Home > Town Community Bank and Trust > Performance and Condition Ratios
Town Community Bank and Trust, Performance and Condition Ratios
| 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 | 4.9587% | 6,558 |
| Cost of funding earning assets | 2.8208% | 418 |
| Net interest margin | 2.1379% | 7,682 |
| Noninterest income to average assets | 0.1055% | 7,237 |
| Noninterest expense to average assets | 3.1647% | 3,493 |
| Loan and lease loss provision to assets | 2.9430% | 600 |
| Net operating income to assets | -4.0246% | 7,609 |
| Return on assets (ROA) | -4.0246% | 7,607 |
| Pretax return on assets | -4.0246% | 7,530 |
| Return on Equity (ROE) | -92.2728% | 7,910 |
| Retained earnings to average equity (ytd only) | -92.2728% | 7,908 |
| Net charge-offs to loans | 7.1223% | 113 |
| Credit loss provision to net charge-offs | 49.6061% | 6,751 |
| Earnings coverage of net charge-offs (x) | -0.1823% | 6,421 |
| Efficiency ratio | 151.9231% | 305 |
| Assets per employee ($millions) | 5.8965% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6488% | 1,073 |
| Loan loss allowance to noncurrent loans | 15.7714% | 7,223 |
| Noncurrent assets plus other real estate owned to assets | 13.4373% | 183 |
| Noncurrent loans to loans | 16.7948% | 119 |
| Net loans and leases to total assets | 76.2514% | 1,736 |
| Net loans and leases to deposits | 78.9690% | 4,178 |
| Net loans and leases to core deposits | 140.1803% | 806 |
| Total domestic deposits to total assets | 96.5587% | 27 |
| Equity capital to assets | 2.5467% | 7,940 |
| Core capital (leverage) ratio | 2.2308% | 7,947 |
| Tier 1 risk-based capital ratio | 2.7834% | 7,953 |
| Total risk-based capital ratio | 4.0503% | 7,953 |
| Memoranda: | ||
| Average total assets | $74,888,800 | 5,875 |
| Average earning assets | $69,272,200 | 5,831 |
| Average equity | $3,266,400 | 7,510 |
| Average total loans | $62,381,200 | 5,157 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0998% | 6,267 |
| Cost of funding earning assets | 2.9465% | 387 |
| Net interest margin | 2.1533% | 7,734 |
| Noninterest income to average assets | 0.1106% | 7,348 |
| Noninterest expense to average assets | 3.0680% | 3,776 |
| Loan and lease loss provision to assets | 4.3623% | 240 |
| Net operating income to assets | -5.3317% | 7,874 |
| Return on assets (ROA) | -5.3317% | 7,869 |
| Pretax return on assets | -5.3317% | 7,846 |
| Return on Equity (ROE) | -111.4357% | 8,029 |
| Retained earnings to average equity (ytd only) | -111.4357% | 8,028 |
| Net charge-offs to loans | 9.1325% | 59 |
| Credit loss provision to net charge-offs | 56.5574% | 6,220 |
| Earnings coverage of net charge-offs (x) | -0.1257% | 6,215 |
| Efficiency ratio | 146.1925% | 335 |
| Assets per employee ($millions) | 5.8010% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1293% | 599 |
| Loan loss allowance to noncurrent loans | 18.5407% | 7,168 |
| Noncurrent assets plus other real estate owned to assets | 14.2260% | 140 |
| Noncurrent loans to loans | 16.8783% | 105 |
| Net loans and leases to total assets | 79.9991% | 1,168 |
| Net loans and leases to deposits | 82.8483% | 3,859 |
| Net loans and leases to core deposits | 121.4141% | 2,129 |
| Total domestic deposits to total assets | 96.5609% | 20 |
| Equity capital to assets | 2.5556% | 8,042 |
| Core capital (leverage) ratio | 2.1464% | 8,047 |
| Tier 1 risk-based capital ratio | 2.6305% | 8,052 |
| Total risk-based capital ratio | 3.9182% | 8,053 |
| Memoranda: | ||
| Average total assets | $75,921,500 | 5,877 |
| Average earning assets | $70,092,000 | 5,841 |
| Average equity | $3,632,500 | 7,467 |
| Average total loans | $64,121,000 | 5,132 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2616% | 5,819 |
| Cost of funding earning assets | 3.0686% | 388 |
| Net interest margin | 2.1930% | 7,752 |
| Noninterest income to average assets | 0.1025% | 7,466 |
| Noninterest expense to average assets | 2.6812% | 5,450 |
| Loan and lease loss provision to assets | 3.4784% | 415 |
| Net operating income to assets | -4.0346% | 7,837 |
| Return on assets (ROA) | -4.0346% | 7,835 |
| Pretax return on assets | -4.0346% | 7,755 |
| Return on Equity (ROE) | -74.0648% | 8,025 |
| Retained earnings to average equity (ytd only) | -74.0648% | 8,024 |
| Net charge-offs to loans | 9.7751% | 59 |
| Credit loss provision to net charge-offs | 41.8569% | 5,876 |
| Earnings coverage of net charge-offs (x) | -0.0669% | 5,766 |
| Efficiency ratio | 126.1761% | 569 |
| Assets per employee ($millions) | 5.1729% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9146% | 607 |
| Loan loss allowance to noncurrent loans | 24.8398% | 6,855 |
| Noncurrent assets plus other real estate owned to assets | 10.4046% | 259 |
| Noncurrent loans to loans | 11.7336% | 241 |
| Net loans and leases to total assets | 83.8042% | 663 |
| Net loans and leases to deposits | 88.5108% | 3,087 |
| Net loans and leases to core deposits | 128.2728% | 1,693 |
| Total domestic deposits to total assets | 94.6824% | 44 |
| Equity capital to assets | 4.4725% | 8,076 |
| Core capital (leverage) ratio | 3.7238% | 8,108 |
| Tier 1 risk-based capital ratio | 4.6604% | 8,108 |
| Total risk-based capital ratio | 5.9219% | 8,111 |
| Memoranda: | ||
| Average total assets | $78,024,670 | 5,864 |
| Average earning assets | $71,954,670 | 5,829 |
| Average equity | $4,250,330 | 7,320 |
| Average total loans | $66,332,000 | 5,092 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3038% | 5,879 |
| Cost of funding earning assets | 3.1769% | 367 |
| Net interest margin | 2.1269% | 7,836 |
| Noninterest income to average assets | 0.0940% | 7,579 |
| Noninterest expense to average assets | 2.5932% | 5,480 |
| Loan and lease loss provision to assets | 0.0792% | 5,961 |
| Net operating income to assets | -0.6137% | 6,978 |
| Return on assets (ROA) | -0.6137% | 7,021 |
| Pretax return on assets | -0.6137% | 6,917 |
| Return on Equity (ROE) | -10.4289% | 7,391 |
| Retained earnings to average equity (ytd only) | -10.4289% | 7,153 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.9615% | 548 |
| Assets per employee ($millions) | 5.3653% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4530% | 87 |
| Loan loss allowance to noncurrent loans | 93.2615% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 4.9602% | 910 |
| Noncurrent loans to loans | 5.8470% | 836 |
| Net loans and leases to total assets | 80.2075% | 1,342 |
| Net loans and leases to deposits | 85.8974% | 3,649 |
| Net loans and leases to core deposits | 116.6612% | 2,724 |
| Total domestic deposits to total assets | 93.3760% | 65 |
| Equity capital to assets | 5.8288% | 8,028 |
| Core capital (leverage) ratio | 5.2269% | 8,111 |
| Tier 1 risk-based capital ratio | 6.4256% | 8,124 |
| Total risk-based capital ratio | 7.7240% | 8,130 |
| Memoranda: | ||
| Average total assets | $80,827,000 | 5,793 |
| Average earning assets | $74,663,000 | 5,749 |
| Average equity | $4,756,000 | 7,205 |
| Average total loans | $68,241,500 | 5,043 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0265% | 5,426 |
| Cost of funding earning assets | 3.4492% | 603 |
| Net interest margin | 2.5772% | 7,664 |
| Noninterest income to average assets | 0.1243% | 7,493 |
| Noninterest expense to average assets | 6.1959% | 377 |
| Loan and lease loss provision to assets | 4.8199% | 116 |
| Net operating income to assets | -8.6151% | 8,234 |
| Return on assets (ROA) | -8.5294% | 8,230 |
| Pretax return on assets | -8.5294% | 8,217 |
| Return on Equity (ROE) | -64.7313% | 8,220 |
| Retained earnings to average equity (ytd only) | -64.7313% | 8,210 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.6667% | 683 |
| Assets per employee ($millions) | 5.4116% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4348% | 77 |
| Loan loss allowance to noncurrent loans | 263.8434% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 1.7308% | 2,818 |
| Noncurrent loans to loans | 2.0598% | 2,682 |
| Net loans and leases to total assets | 79.4614% | 1,786 |
| Net loans and leases to deposits | 85.1849% | 4,229 |
| Net loans and leases to core deposits | 111.2008% | 3,654 |
| Total domestic deposits to total assets | 93.2811% | 43 |
| Equity capital to assets | 5.9391% | 8,072 |
| Core capital (leverage) ratio | 5.4228% | 8,170 |
| Tier 1 risk-based capital ratio | 5.9395% | 8,232 |
| Total risk-based capital ratio | 7.2336% | 8,233 |
| Memoranda: | ||
| Average total assets | $69,981,400 | 6,040 |
| Average earning assets | $61,810,800 | 6,095 |
| Average equity | $9,221,200 | 5,664 |
| Average total loans | $53,080,600 | 5,574 |