Home > Texas First Bank - Winnie > Performance and Condition Ratios
Texas First Bank - Winnie, Performance and Condition Ratios
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6836% | 7,414 |
| Cost of funding earning assets | 0.8257% | 7,788 |
| Net interest margin | 3.8580% | 3,305 |
| Noninterest income to average assets | 0.9683% | 1,699 |
| Noninterest expense to average assets | 3.1606% | 3,467 |
| Loan and lease loss provision to assets | 0.0288% | 6,957 |
| Net operating income to assets | 0.6912% | 3,293 |
| Return on assets (ROA) | 0.6912% | 3,408 |
| Pretax return on assets | 1.1177% | 2,570 |
| Return on Equity (ROE) | 5.0677% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.0677% | 2,471 |
| Net charge-offs to loans | 0.1136% | 5,025 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 39.8125% | 812 |
| Efficiency ratio | 73.3807% | 4,130 |
| Assets per employee ($millions) | 4.0714% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6640% | 2,474 |
| Loan loss allowance to noncurrent loans | 14,700.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 7,592 |
| Noncurrent loans to loans | 0.0113% | 7,534 |
| Net loans and leases to total assets | 24.6191% | 7,985 |
| Net loans and leases to deposits | 29.1038% | 8,006 |
| Net loans and leases to core deposits | 32.9003% | 8,013 |
| Total domestic deposits to total assets | 84.5905% | 3,453 |
| Equity capital to assets | 14.4450% | 1,179 |
| Core capital (leverage) ratio | 7.6790% | 6,789 |
| Tier 1 risk-based capital ratio | 16.0611% | 2,603 |
| Total risk-based capital ratio | 16.9277% | 2,671 |
| Memoranda: | ||
| Average total assets | $111,118,000 | 4,854 |
| Average earning assets | $96,164,670 | 5,003 |
| Average equity | $15,154,670 | 4,089 |
| Average total loans | $28,167,670 | 6,835 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8373% | 7,311 |
| Cost of funding earning assets | 0.8512% | 7,864 |
| Net interest margin | 3.9860% | 2,701 |
| Noninterest income to average assets | 0.9354% | 1,715 |
| Noninterest expense to average assets | 2.9644% | 3,917 |
| Loan and lease loss provision to assets | 0.0316% | 6,536 |
| Net operating income to assets | 0.8791% | 2,799 |
| Return on assets (ROA) | 0.8791% | 2,942 |
| Pretax return on assets | 1.3644% | 2,067 |
| Return on Equity (ROE) | 6.6284% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.6284% | 2,362 |
| Net charge-offs to loans | 0.0828% | 4,339 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 66.1667% | 605 |
| Efficiency ratio | 67.9839% | 4,970 |
| Assets per employee ($millions) | 4.3949% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 2,818 |
| Loan loss allowance to noncurrent loans | 14,800.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 7,659 |
| Noncurrent loans to loans | 0.0103% | 7,540 |
| Net loans and leases to total assets | 25.0149% | 8,024 |
| Net loans and leases to deposits | 29.2321% | 8,052 |
| Net loans and leases to core deposits | 32.5169% | 8,064 |
| Total domestic deposits to total assets | 85.5734% | 2,934 |
| Equity capital to assets | 13.3826% | 1,581 |
| Core capital (leverage) ratio | 7.5778% | 7,053 |
| Tier 1 risk-based capital ratio | 14.7029% | 3,201 |
| Total risk-based capital ratio | 15.5147% | 3,376 |
| Memoranda: | ||
| Average total assets | $113,748,500 | 4,805 |
| Average earning assets | $97,741,000 | 4,978 |
| Average equity | $15,086,500 | 4,122 |
| Average total loans | $29,000,500 | 6,819 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7996% | 6,436 |
| Cost of funding earning assets | 1.1872% | 7,957 |
| Net interest margin | 4.6124% | 1,142 |
| Noninterest income to average assets | 1.1451% | 1,178 |
| Noninterest expense to average assets | 3.9028% | 1,557 |
| Loan and lease loss provision to assets | 0.0304% | 7,023 |
| Net operating income to assets | 0.7155% | 3,824 |
| Return on assets (ROA) | 0.7155% | 3,655 |
| Pretax return on assets | 1.0776% | 3,109 |
| Return on Equity (ROE) | 4.6447% | 4,540 |
| Retained earnings to average equity (ytd only) | 4.6447% | 2,234 |
| Net charge-offs to loans | 0.1017% | 5,295 |
| Credit loss provision to net charge-offs | 96.5517% | 5,493 |
| Earnings coverage of net charge-offs (x) | 35.1379% | 1,030 |
| Efficiency ratio | 77.8863% | 2,936 |
| Assets per employee ($millions) | 4.3550% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 2,581 |
| Loan loss allowance to noncurrent loans | 38.2149% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 1.0192% | 4,281 |
| Noncurrent loans to loans | 3.9830% | 1,238 |
| Net loans and leases to total assets | 25.1985% | 8,085 |
| Net loans and leases to deposits | 29.3237% | 8,122 |
| Net loans and leases to core deposits | 32.1447% | 8,138 |
| Total domestic deposits to total assets | 85.9320% | 2,431 |
| Equity capital to assets | 13.1424% | 1,733 |
| Core capital (leverage) ratio | 7.7390% | 6,875 |
| Tier 1 risk-based capital ratio | 13.9649% | 3,563 |
| Total risk-based capital ratio | 13.9649% | 4,195 |
| Memoranda: | ||
| Average total assets | $91,960,200 | 5,292 |
| Average earning assets | $77,074,200 | 5,544 |
| Average equity | $14,166,600 | 4,303 |
| Average total loans | $28,509,400 | 6,798 |