Home > The Bank of Tuscaloosa > Performance and Condition Ratios
The Bank of Tuscaloosa, Performance and Condition Ratios
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8129% | 5,848 |
| Cost of funding earning assets | 1.0839% | 5,977 |
| Net interest margin | 3.7290% | 4,102 |
| Noninterest income to average assets | 0.5514% | 3,642 |
| Noninterest expense to average assets | 2.4185% | 6,019 |
| Loan and lease loss provision to assets | 1.3234% | 908 |
| Net operating income to assets | 0.1376% | 5,895 |
| Return on assets (ROA) | 0.1376% | 6,021 |
| Pretax return on assets | 0.2753% | 5,672 |
| Return on Equity (ROE) | 1.6417% | 5,906 |
| Retained earnings to average equity (ytd only) | 1.6417% | 5,115 |
| Net charge-offs to loans | 0.6210% | 2,267 |
| Credit loss provision to net charge-offs | 270.5975% | 1,466 |
| Earnings coverage of net charge-offs (x) | 3.2689% | 2,960 |
| Efficiency ratio | 60.2029% | 6,129 |
| Assets per employee ($millions) | 6.2250% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7885% | 1,004 |
| Loan loss allowance to noncurrent loans | 119.6107% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 1.9145% | 3,610 |
| Noncurrent loans to loans | 2.3314% | 3,351 |
| Net loans and leases to total assets | 74.5014% | 1,859 |
| Net loans and leases to deposits | 84.8392% | 2,795 |
| Net loans and leases to core deposits | 103.0717% | 1,817 |
| Total domestic deposits to total assets | 87.8149% | 2,165 |
| Equity capital to assets | 8.7516% | 5,649 |
| Core capital (leverage) ratio | 9.0298% | 4,511 |
| Tier 1 risk-based capital ratio | 10.8650% | 6,280 |
| Total risk-based capital ratio | 12.1329% | 6,242 |
| Memoranda: | ||
| Average total assets | $520,167,000 | 1,341 |
| Average earning assets | $483,451,500 | 1,321 |
| Average equity | $43,614,000 | 1,535 |
| Average total loans | $409,650,000 | 1,151 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9916% | 6,461 |
| Cost of funding earning assets | 1.2893% | 6,343 |
| Net interest margin | 3.7023% | 4,136 |
| Noninterest income to average assets | 0.5893% | 3,717 |
| Noninterest expense to average assets | 2.2081% | 6,973 |
| Loan and lease loss provision to assets | 2.0867% | 1,015 |
| Net operating income to assets | -0.1242% | 5,714 |
| Return on assets (ROA) | -0.0449% | 5,600 |
| Pretax return on assets | -0.0870% | 5,584 |
| Return on Equity (ROE) | -0.5608% | 5,630 |
| Retained earnings to average equity (ytd only) | -2.2673% | 5,576 |
| Net charge-offs to loans | 2.2874% | 1,019 |
| Credit loss provision to net charge-offs | 108.8827% | 5,078 |
| Earnings coverage of net charge-offs (x) | 0.9787% | 5,136 |
| Efficiency ratio | 54.0700% | 7,221 |
| Assets per employee ($millions) | 6.1591% | 1,154 |
| Cash dividends to net income (ytd only)* | -304.2735% | 7,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4706% | 1,268 |
| Loan loss allowance to noncurrent loans | 111.3617% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 1.8783% | 3,557 |
| Noncurrent loans to loans | 2.2185% | 3,376 |
| Net loans and leases to total assets | 78.9429% | 1,196 |
| Net loans and leases to deposits | 89.8373% | 2,238 |
| Net loans and leases to core deposits | 125.5420% | 1,549 |
| Total domestic deposits to total assets | 87.8732% | 2,027 |
| Equity capital to assets | 8.0048% | 6,575 |
| Core capital (leverage) ratio | 7.7755% | 6,478 |
| Tier 1 risk-based capital ratio | 9.5892% | 7,172 |
| Total risk-based capital ratio | 10.8537% | 7,140 |
| Memoranda: | ||
| Average total assets | $521,631,400 | 1,318 |
| Average earning assets | $492,346,000 | 1,281 |
| Average equity | $41,723,800 | 1,599 |
| Average total loans | $437,050,600 | 1,099 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9663% | 6,712 |
| Cost of funding earning assets | 1.3225% | 6,483 |
| Net interest margin | 3.6438% | 4,308 |
| Noninterest income to average assets | 0.6305% | 3,488 |
| Noninterest expense to average assets | 2.1832% | 7,019 |
| Loan and lease loss provision to assets | 2.2437% | 767 |
| Net operating income to assets | -0.2116% | 6,084 |
| Return on assets (ROA) | -0.1063% | 5,932 |
| Pretax return on assets | -0.1778% | 5,947 |
| Return on Equity (ROE) | -1.3293% | 5,989 |
| Retained earnings to average equity (ytd only) | -3.5937% | 6,044 |
| Net charge-offs to loans | 2.4615% | 747 |
| Credit loss provision to net charge-offs | 107.9012% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.9144% | 5,142 |
| Efficiency ratio | 53.4496% | 7,294 |
| Assets per employee ($millions) | 6.6548% | 916 |
| Cash dividends to net income (ytd only)* | -170.3348% | 8,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3230% | 1,270 |
| Loan loss allowance to noncurrent loans | 134.7509% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 1.4557% | 4,202 |
| Noncurrent loans to loans | 1.7239% | 4,049 |
| Net loans and leases to total assets | 79.8263% | 1,206 |
| Net loans and leases to deposits | 90.2255% | 2,535 |
| Net loans and leases to core deposits | 125.7353% | 1,760 |
| Total domestic deposits to total assets | 88.4742% | 1,446 |
| Equity capital to assets | 7.7319% | 7,120 |
| Core capital (leverage) ratio | 7.4937% | 6,982 |
| Tier 1 risk-based capital ratio | 9.0437% | 7,607 |
| Total risk-based capital ratio | 10.3063% | 7,604 |
| Memoranda: | ||
| Average total assets | $524,237,750 | 1,327 |
| Average earning assets | $496,941,000 | 1,283 |
| Average equity | $41,924,500 | 1,609 |
| Average total loans | $442,867,250 | 1,103 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8952% | 7,038 |
| Cost of funding earning assets | 1.3571% | 6,624 |
| Net interest margin | 3.5381% | 4,623 |
| Noninterest income to average assets | 0.6175% | 3,553 |
| Noninterest expense to average assets | 2.1411% | 7,191 |
| Loan and lease loss provision to assets | 2.0560% | 783 |
| Net operating income to assets | -0.1256% | 6,056 |
| Return on assets (ROA) | -0.1256% | 6,090 |
| Pretax return on assets | -0.2077% | 6,133 |
| Return on Equity (ROE) | -1.5537% | 6,155 |
| Retained earnings to average equity (ytd only) | -3.7970% | 6,096 |
| Net charge-offs to loans | 1.6500% | 1,145 |
| Credit loss provision to net charge-offs | 145.9079% | 3,170 |
| Earnings coverage of net charge-offs (x) | 1.3117% | 4,540 |
| Efficiency ratio | 53.6709% | 7,363 |
| Assets per employee ($millions) | 6.7985% | 844 |
| Cash dividends to net income (ytd only)* | -144.3769% | 8,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4781% | 923 |
| Loan loss allowance to noncurrent loans | 129.9823% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 1.6256% | 3,773 |
| Noncurrent loans to loans | 1.9065% | 3,661 |
| Net loans and leases to total assets | 80.8123% | 1,169 |
| Net loans and leases to deposits | 93.7419% | 2,133 |
| Net loans and leases to core deposits | 129.9110% | 1,572 |
| Total domestic deposits to total assets | 86.2072% | 2,672 |
| Equity capital to assets | 7.6987% | 7,076 |
| Core capital (leverage) ratio | 7.7646% | 6,655 |
| Tier 1 risk-based capital ratio | 8.9530% | 7,721 |
| Total risk-based capital ratio | 10.2179% | 7,734 |
| Memoranda: | ||
| Average total assets | $523,739,330 | 1,348 |
| Average earning assets | $499,141,330 | 1,292 |
| Average equity | $42,349,670 | 1,607 |
| Average total loans | $447,271,670 | 1,122 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8773% | 7,227 |
| Cost of funding earning assets | 1.4057% | 6,714 |
| Net interest margin | 3.4716% | 4,845 |
| Noninterest income to average assets | 0.6885% | 2,959 |
| Noninterest expense to average assets | 1.9657% | 7,422 |
| Loan and lease loss provision to assets | 0.9175% | 1,420 |
| Net operating income to assets | 0.7086% | 3,510 |
| Return on assets (ROA) | 0.7086% | 3,706 |
| Pretax return on assets | 1.1202% | 2,909 |
| Return on Equity (ROE) | 8.5507% | 2,908 |
| Retained earnings to average equity (ytd only) | 8.5507% | 1,617 |
| Net charge-offs to loans | 0.2105% | 3,375 |
| Credit loss provision to net charge-offs | 502.5424% | 1,070 |
| Earnings coverage of net charge-offs (x) | 11.1610% | 1,893 |
| Efficiency ratio | 49.1014% | 7,658 |
| Assets per employee ($millions) | 5.9780% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2766% | 976 |
| Loan loss allowance to noncurrent loans | 204.2701% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 1.0594% | 4,570 |
| Noncurrent loans to loans | 1.1145% | 4,753 |
| Net loans and leases to total assets | 84.8863% | 563 |
| Net loans and leases to deposits | 97.1276% | 1,783 |
| Net loans and leases to core deposits | 132.1276% | 1,530 |
| Total domestic deposits to total assets | 87.3967% | 2,016 |
| Equity capital to assets | 8.3038% | 6,388 |
| Core capital (leverage) ratio | 8.1271% | 6,232 |
| Tier 1 risk-based capital ratio | 9.2979% | 7,591 |
| Total risk-based capital ratio | 10.5605% | 7,556 |
| Memoranda: | ||
| Average total assets | $517,070,000 | 1,374 |
| Average earning assets | $493,720,500 | 1,317 |
| Average equity | $42,850,500 | 1,596 |
| Average total loans | $448,380,500 | 1,125 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9061% | 6,009 |
| Cost of funding earning assets | 2.2258% | 5,477 |
| Net interest margin | 3.6803% | 4,546 |
| Noninterest income to average assets | 0.6847% | 3,213 |
| Noninterest expense to average assets | 1.9531% | 7,536 |
| Loan and lease loss provision to assets | 0.9705% | 1,519 |
| Net operating income to assets | 0.7851% | 3,504 |
| Return on assets (ROA) | 0.7851% | 3,347 |
| Pretax return on assets | 1.2381% | 2,518 |
| Return on Equity (ROE) | 9.0613% | 2,623 |
| Retained earnings to average equity (ytd only) | -5.2948% | 6,554 |
| Net charge-offs to loans | 0.2635% | 3,648 |
| Credit loss provision to net charge-offs | 431.7073% | 1,012 |
| Earnings coverage of net charge-offs (x) | 9.8248% | 2,629 |
| Efficiency ratio | 46.9308% | 7,878 |
| Assets per employee ($millions) | 5.8415% | 1,239 |
| Cash dividends to net income (ytd only)* | 158.4325% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0978% | 1,077 |
| Loan loss allowance to noncurrent loans | 323.9070% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6433% | 5,289 |
| Noncurrent loans to loans | 0.6476% | 5,424 |
| Net loans and leases to total assets | 84.7497% | 772 |
| Net loans and leases to deposits | 101.4706% | 1,648 |
| Net loans and leases to core deposits | 138.2544% | 1,359 |
| Total domestic deposits to total assets | 83.5214% | 3,566 |
| Equity capital to assets | 8.2703% | 6,457 |
| Core capital (leverage) ratio | 8.2387% | 6,081 |
| Tier 1 risk-based capital ratio | 9.1149% | 7,701 |
| Total risk-based capital ratio | 10.3751% | 7,657 |
| Memoranda: | ||
| Average total assets | $492,444,000 | 1,380 |
| Average earning assets | $465,229,200 | 1,340 |
| Average equity | $42,664,800 | 1,569 |
| Average total loans | $420,043,600 | 1,140 |