Home > Town Center Bank > Performance and Condition Ratios
Town Center Bank, Performance and Condition Ratios
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1472% | 4,205 |
| Cost of funding earning assets | 1.9588% | 1,019 |
| Net interest margin | 3.1884% | 6,358 |
| Noninterest income to average assets | 0.2915% | 5,816 |
| Noninterest expense to average assets | 6.1817% | 211 |
| Loan and lease loss provision to assets | 0.1055% | 5,860 |
| Net operating income to assets | -3.4025% | 7,566 |
| Return on assets (ROA) | -3.4025% | 7,569 |
| Pretax return on assets | -3.4025% | 7,530 |
| Return on Equity (ROE) | -42.3301% | 7,547 |
| Retained earnings to average equity (ytd only) | -42.9554% | 7,547 |
| Net charge-offs to loans | 0.7618% | 2,335 |
| Credit loss provision to net charge-offs | 20.0000% | 5,850 |
| Earnings coverage of net charge-offs (x) | -6.2476% | 6,296 |
| Efficiency ratio | 214.2857% | 82 |
| Assets per employee ($millions) | 2.9513% | 6,242 |
| Cash dividends to net income (ytd only)* | -1.4771% | 7,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0981% | 342 |
| Loan loss allowance to noncurrent loans | 57.7961% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 10.5464% | 357 |
| Noncurrent loans to loans | 7.0907% | 796 |
| Net loans and leases to total assets | 69.3153% | 3,059 |
| Net loans and leases to deposits | 78.8767% | 3,821 |
| Net loans and leases to core deposits | 81.1692% | 4,532 |
| Total domestic deposits to total assets | 87.8780% | 2,064 |
| Equity capital to assets | 8.1209% | 6,630 |
| Core capital (leverage) ratio | 7.6771% | 6,639 |
| Tier 1 risk-based capital ratio | 10.0209% | 7,011 |
| Total risk-based capital ratio | 11.2997% | 6,977 |
| Memoranda: | ||
| Average total assets | $39,794,670 | 7,006 |
| Average earning assets | $32,367,330 | 7,141 |
| Average equity | $3,198,670 | 7,358 |
| Average total loans | $27,566,000 | 6,658 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 5,582 |
| Cost of funding earning assets | 2.0402% | 973 |
| Net interest margin | 2.8355% | 7,130 |
| Noninterest income to average assets | 0.3239% | 5,562 |
| Noninterest expense to average assets | 6.2404% | 195 |
| Loan and lease loss provision to assets | 0.2001% | 4,500 |
| Net operating income to assets | -3.7728% | 7,702 |
| Return on assets (ROA) | -3.7728% | 7,705 |
| Pretax return on assets | -3.7728% | 7,671 |
| Return on Equity (ROE) | -47.1429% | 7,700 |
| Retained earnings to average equity (ytd only) | -48.3333% | 7,694 |
| Net charge-offs to loans | -0.6585% | 7,825 |
| Credit loss provision to net charge-offs | -44.6809% | 6,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 233.9286% | 73 |
| Assets per employee ($millions) | 3.3467% | 5,438 |
| Cash dividends to net income (ytd only)* | -2.5253% | 7,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4275% | 268 |
| Loan loss allowance to noncurrent loans | 56.6509% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 10.0598% | 393 |
| Noncurrent loans to loans | 7.8154% | 707 |
| Net loans and leases to total assets | 64.5543% | 4,204 |
| Net loans and leases to deposits | 72.9583% | 4,912 |
| Net loans and leases to core deposits | 75.6184% | 5,306 |
| Total domestic deposits to total assets | 88.4811% | 1,801 |
| Equity capital to assets | 7.8611% | 6,797 |
| Core capital (leverage) ratio | 7.5118% | 6,840 |
| Tier 1 risk-based capital ratio | 10.3603% | 6,749 |
| Total risk-based capital ratio | 11.6435% | 6,720 |
| Memoranda: | ||
| Average total assets | $41,984,500 | 7,018 |
| Average earning assets | $34,702,500 | 7,139 |
| Average equity | $3,360,000 | 7,386 |
| Average total loans | $28,550,500 | 6,685 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0967% | 6,100 |
| Cost of funding earning assets | 2.5283% | 955 |
| Net interest margin | 2.5684% | 7,359 |
| Noninterest income to average assets | 0.2367% | 6,406 |
| Noninterest expense to average assets | 5.2760% | 439 |
| Loan and lease loss provision to assets | 1.7317% | 1,317 |
| Net operating income to assets | -4.6994% | 7,702 |
| Return on assets (ROA) | -4.6994% | 7,702 |
| Pretax return on assets | -4.6994% | 7,665 |
| Return on Equity (ROE) | -46.9066% | 7,652 |
| Retained earnings to average equity (ytd only) | -47.2094% | 7,647 |
| Net charge-offs to loans | 2.8266% | 780 |
| Credit loss provision to net charge-offs | 87.7949% | 6,074 |
| Earnings coverage of net charge-offs (x) | -1.5046% | 6,959 |
| Efficiency ratio | 228.5714% | 101 |
| Assets per employee ($millions) | 3.3699% | 5,326 |
| Cash dividends to net income (ytd only)* | -0.6457% | 7,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7798% | 417 |
| Loan loss allowance to noncurrent loans | 110.6445% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 6.7201% | 780 |
| Noncurrent loans to loans | 3.4162% | 2,235 |
| Net loans and leases to total assets | 65.8358% | 4,195 |
| Net loans and leases to deposits | 74.3600% | 4,975 |
| Net loans and leases to core deposits | 98.3094% | 4,194 |
| Total domestic deposits to total assets | 88.5366% | 1,710 |
| Equity capital to assets | 8.1330% | 6,424 |
| Core capital (leverage) ratio | 7.8325% | 6,409 |
| Tier 1 risk-based capital ratio | 10.8179% | 6,098 |
| Total risk-based capital ratio | 12.0992% | 6,037 |
| Memoranda: | ||
| Average total assets | $49,431,400 | 6,734 |
| Average earning assets | $39,869,000 | 6,946 |
| Average equity | $4,952,400 | 6,958 |
| Average total loans | $34,494,200 | 6,377 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 6,174 |
| Cost of funding earning assets | 2.7118% | 769 |
| Net interest margin | 2.4170% | 7,550 |
| Noninterest income to average assets | 0.1810% | 6,931 |
| Noninterest expense to average assets | 5.0539% | 467 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -2.9374% | 7,570 |
| Return on assets (ROA) | -2.9374% | 7,572 |
| Pretax return on assets | -2.9374% | 7,481 |
| Return on Equity (ROE) | -28.1768% | 7,565 |
| Retained earnings to average equity (ytd only) | -28.5542% | 7,562 |
| Net charge-offs to loans | 1.4746% | 1,394 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -2.8426% | 6,796 |
| Efficiency ratio | 238.7856% | 97 |
| Assets per employee ($millions) | 4.5406% | 2,797 |
| Cash dividends to net income (ytd only)* | -1.3393% | 7,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6304% | 940 |
| Loan loss allowance to noncurrent loans | 38.3893% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 8.2632% | 505 |
| Noncurrent loans to loans | 6.8518% | 796 |
| Net loans and leases to total assets | 69.9489% | 3,526 |
| Net loans and leases to deposits | 81.4197% | 4,128 |
| Net loans and leases to core deposits | 106.2774% | 3,672 |
| Total domestic deposits to total assets | 85.9116% | 2,741 |
| Equity capital to assets | 10.4964% | 3,519 |
| Core capital (leverage) ratio | 9.9213% | 3,375 |
| Tier 1 risk-based capital ratio | 13.1505% | 4,085 |
| Total risk-based capital ratio | 14.4142% | 4,012 |
| Memoranda: | ||
| Average total assets | $50,837,000 | 6,725 |
| Average earning assets | $40,710,250 | 6,971 |
| Average equity | $5,299,750 | 6,904 |
| Average total loans | $35,624,000 | 6,369 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0598% | 6,581 |
| Cost of funding earning assets | 2.8488% | 693 |
| Net interest margin | 2.2110% | 7,745 |
| Noninterest income to average assets | 0.1785% | 7,019 |
| Noninterest expense to average assets | 5.1361% | 468 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -3.1796% | 7,709 |
| Return on assets (ROA) | -3.1796% | 7,707 |
| Pretax return on assets | -3.1796% | 7,610 |
| Return on Equity (ROE) | -30.5604% | 7,716 |
| Retained earnings to average equity (ytd only) | -31.1081% | 7,703 |
| Net charge-offs to loans | 2.4901% | 695 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -1.8355% | 6,338 |
| Efficiency ratio | 262.5243% | 105 |
| Assets per employee ($millions) | 4.9947% | 2,081 |
| Cash dividends to net income (ytd only)* | -1.7921% | 7,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3590% | 1,033 |
| Loan loss allowance to noncurrent loans | 28.3274% | 6,608 |
| Noncurrent assets plus other real estate owned to assets | 8.4930% | 419 |
| Noncurrent loans to loans | 8.3277% | 512 |
| Net loans and leases to total assets | 65.9639% | 4,569 |
| Net loans and leases to deposits | 76.2697% | 5,127 |
| Net loans and leases to core deposits | 99.4386% | 4,563 |
| Total domestic deposits to total assets | 86.4877% | 2,514 |
| Equity capital to assets | 10.1347% | 3,784 |
| Core capital (leverage) ratio | 10.0353% | 3,258 |
| Tier 1 risk-based capital ratio | 13.8465% | 3,604 |
| Total risk-based capital ratio | 15.1075% | 3,538 |
| Memoranda: | ||
| Average total assets | $52,647,330 | 6,717 |
| Average earning assets | $42,333,330 | 6,959 |
| Average equity | $5,477,670 | 6,908 |
| Average total loans | $36,625,670 | 6,369 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0468% | 6,804 |
| Cost of funding earning assets | 3.0553% | 518 |
| Net interest margin | 1.9914% | 7,898 |
| Noninterest income to average assets | 0.1778% | 7,031 |
| Noninterest expense to average assets | 4.9928% | 493 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -3.1927% | 7,870 |
| Return on assets (ROA) | -3.1927% | 7,873 |
| Pretax return on assets | -3.1927% | 7,789 |
| Return on Equity (ROE) | -30.3228% | 7,906 |
| Retained earnings to average equity (ytd only) | -30.3228% | 7,857 |
| Net charge-offs to loans | 4.3082% | 271 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -1.0512% | 5,369 |
| Efficiency ratio | 277.3663% | 103 |
| Assets per employee ($millions) | 5.1471% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3116% | 930 |
| Loan loss allowance to noncurrent loans | 14.7461% | 7,406 |
| Noncurrent assets plus other real estate owned to assets | 11.2374% | 168 |
| Noncurrent loans to loans | 15.6760% | 87 |
| Net loans and leases to total assets | 69.1321% | 3,886 |
| Net loans and leases to deposits | 80.3899% | 4,549 |
| Net loans and leases to core deposits | 104.6128% | 4,070 |
| Total domestic deposits to total assets | 85.9960% | 2,730 |
| Equity capital to assets | 10.6273% | 3,349 |
| Core capital (leverage) ratio | 9.4135% | 4,087 |
| Tier 1 risk-based capital ratio | 14.6936% | 3,207 |
| Total risk-based capital ratio | 15.9562% | 3,135 |
| Memoranda: | ||
| Average total assets | $53,997,500 | 6,708 |
| Average earning assets | $43,988,500 | 6,932 |
| Average equity | $5,685,500 | 6,884 |
| Average total loans | $38,067,000 | 6,330 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5286% | 2,816 |
| Cost of funding earning assets | 3.6270% | 346 |
| Net interest margin | 2.9016% | 7,152 |
| Noninterest income to average assets | 0.1125% | 7,562 |
| Noninterest expense to average assets | 4.6060% | 814 |
| Loan and lease loss provision to assets | 1.4084% | 983 |
| Net operating income to assets | -3.4061% | 7,893 |
| Return on assets (ROA) | -3.4061% | 7,878 |
| Pretax return on assets | -3.4061% | 7,791 |
| Return on Equity (ROE) | -40.4354% | 8,079 |
| Retained earnings to average equity (ytd only) | -43.6970% | 8,079 |
| Net charge-offs to loans | 1.1072% | 1,097 |
| Credit loss provision to net charge-offs | 164.6035% | 3,127 |
| Earnings coverage of net charge-offs (x) | -2.3346% | 6,724 |
| Efficiency ratio | 176.5863% | 256 |
| Assets per employee ($millions) | 4.0374% | 3,438 |
| Cash dividends to net income (ytd only)* | -8.0661% | 7,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1529% | 381 |
| Loan loss allowance to noncurrent loans | 27.2529% | 6,879 |
| Noncurrent assets plus other real estate owned to assets | 8.8723% | 233 |
| Noncurrent loans to loans | 11.5692% | 145 |
| Net loans and leases to total assets | 68.0366% | 4,458 |
| Net loans and leases to deposits | 78.8344% | 5,221 |
| Net loans and leases to core deposits | 89.4432% | 5,849 |
| Total domestic deposits to total assets | 86.3032% | 2,259 |
| Equity capital to assets | 10.4398% | 3,569 |
| Core capital (leverage) ratio | 9.1155% | 4,567 |
| Tier 1 risk-based capital ratio | 14.5102% | 3,289 |
| Total risk-based capital ratio | 15.7839% | 3,201 |
| Memoranda: | ||
| Average total assets | $60,421,200 | 6,372 |
| Average earning assets | $51,971,200 | 6,506 |
| Average equity | $5,089,600 | 7,113 |
| Average total loans | $46,693,800 | 5,835 |