Home > Traders Bank > Performance and Condition Ratios
Traders Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1374% | 2,482 |
| Cost of funding earning assets | 0.8347% | 5,367 |
| Net interest margin | 4.3028% | 1,558 |
| Noninterest income to average assets | -0.0783% | 7,375 |
| Noninterest expense to average assets | 3.0038% | 3,635 |
| Loan and lease loss provision to assets | 0.1516% | 4,129 |
| Net operating income to assets | 0.3638% | 5,104 |
| Return on assets (ROA) | 0.3638% | 5,188 |
| Pretax return on assets | 0.5432% | 4,887 |
| Return on Equity (ROE) | 2.3304% | 5,670 |
| Retained earnings to average equity (ytd only) | 2.3304% | 4,750 |
| Net charge-offs to loans | -0.0082% | 6,315 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7322% | 2,883 |
| Assets per employee ($millions) | 3.2371% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3844% | 1,627 |
| Loan loss allowance to noncurrent loans | 63.2285% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 2.8124% | 2,451 |
| Noncurrent loans to loans | 3.7711% | 1,949 |
| Net loans and leases to total assets | 59.6457% | 4,336 |
| Net loans and leases to deposits | 70.9072% | 4,206 |
| Net loans and leases to core deposits | 71.3768% | 4,874 |
| Total domestic deposits to total assets | 84.1180% | 4,443 |
| Equity capital to assets | 15.6449% | 639 |
| Core capital (leverage) ratio | 10.6456% | 2,477 |
| Tier 1 risk-based capital ratio | 17.4095% | 2,340 |
| Total risk-based capital ratio | 18.6711% | 2,303 |
| Memoranda: | ||
| Average total assets | $158,334,500 | 3,735 |
| Average earning assets | $138,980,000 | 3,841 |
| Average equity | $24,717,000 | 2,571 |
| Average total loans | $97,689,000 | 3,786 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3593% | 2,860 |
| Cost of funding earning assets | 1.0365% | 5,506 |
| Net interest margin | 4.3228% | 1,740 |
| Noninterest income to average assets | 0.5444% | 3,856 |
| Noninterest expense to average assets | 2.8975% | 4,231 |
| Loan and lease loss provision to assets | 0.3221% | 4,240 |
| Net operating income to assets | 1.0204% | 1,967 |
| Return on assets (ROA) | 1.0228% | 2,068 |
| Pretax return on assets | 1.0870% | 2,630 |
| Return on Equity (ROE) | 6.4845% | 3,358 |
| Retained earnings to average equity (ytd only) | 2.7791% | 3,911 |
| Net charge-offs to loans | 0.3061% | 4,487 |
| Credit loss provision to net charge-offs | 169.5652% | 2,002 |
| Earnings coverage of net charge-offs (x) | 7.4047% | 2,138 |
| Efficiency ratio | 64.1033% | 5,336 |
| Assets per employee ($millions) | 3.2255% | 5,612 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2842% | 1,719 |
| Loan loss allowance to noncurrent loans | 90.4302% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 2.2132% | 3,079 |
| Noncurrent loans to loans | 2.5260% | 2,999 |
| Net loans and leases to total assets | 60.8723% | 4,512 |
| Net loans and leases to deposits | 72.2288% | 4,477 |
| Net loans and leases to core deposits | 72.7377% | 5,132 |
| Total domestic deposits to total assets | 84.2770% | 4,232 |
| Equity capital to assets | 15.5762% | 666 |
| Core capital (leverage) ratio | 10.6867% | 2,386 |
| Tier 1 risk-based capital ratio | 17.0877% | 2,320 |
| Total risk-based capital ratio | 18.3563% | 2,282 |
| Memoranda: | ||
| Average total assets | $157,410,800 | 3,749 |
| Average earning assets | $136,902,000 | 3,876 |
| Average equity | $24,828,600 | 2,572 |
| Average total loans | $97,672,400 | 3,864 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3940% | 2,913 |
| Cost of funding earning assets | 1.0831% | 5,531 |
| Net interest margin | 4.3109% | 1,815 |
| Noninterest income to average assets | 0.5452% | 3,824 |
| Noninterest expense to average assets | 2.9837% | 3,806 |
| Loan and lease loss provision to assets | 0.3392% | 3,889 |
| Net operating income to assets | 1.0505% | 2,069 |
| Return on assets (ROA) | 1.0505% | 2,174 |
| Pretax return on assets | 0.9615% | 3,323 |
| Return on Equity (ROE) | 6.6394% | 3,516 |
| Retained earnings to average equity (ytd only) | 4.3887% | 3,405 |
| Net charge-offs to loans | 0.2859% | 4,227 |
| Credit loss provision to net charge-offs | 191.3876% | 1,877 |
| Earnings coverage of net charge-offs (x) | 7.3397% | 2,349 |
| Efficiency ratio | 66.3368% | 4,789 |
| Assets per employee ($millions) | 3.1805% | 5,720 |
| Cash dividends to net income (ytd only)* | 33.8985% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2317% | 1,738 |
| Loan loss allowance to noncurrent loans | 69.6629% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 2.7271% | 2,661 |
| Noncurrent loans to loans | 3.2036% | 2,482 |
| Net loans and leases to total assets | 62.7414% | 4,376 |
| Net loans and leases to deposits | 75.0716% | 4,335 |
| Net loans and leases to core deposits | 75.7714% | 5,085 |
| Total domestic deposits to total assets | 83.5755% | 4,335 |
| Equity capital to assets | 16.2385% | 632 |
| Core capital (leverage) ratio | 11.1008% | 2,191 |
| Tier 1 risk-based capital ratio | 17.1250% | 2,296 |
| Total risk-based capital ratio | 18.3888% | 2,256 |
| Memoranda: | ||
| Average total assets | $157,251,250 | 3,811 |
| Average earning assets | $136,395,750 | 3,935 |
| Average equity | $24,881,250 | 2,603 |
| Average total loans | $97,476,250 | 3,932 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4516% | 2,742 |
| Cost of funding earning assets | 1.1357% | 5,483 |
| Net interest margin | 4.3159% | 1,715 |
| Noninterest income to average assets | 0.5415% | 3,777 |
| Noninterest expense to average assets | 3.0294% | 3,600 |
| Loan and lease loss provision to assets | 0.2600% | 4,332 |
| Net operating income to assets | 1.2795% | 1,361 |
| Return on assets (ROA) | 1.2795% | 1,418 |
| Pretax return on assets | 0.9916% | 3,148 |
| Return on Equity (ROE) | 8.1571% | 2,826 |
| Retained earnings to average equity (ytd only) | 4.7616% | 3,033 |
| Net charge-offs to loans | 0.2070% | 4,372 |
| Credit loss provision to net charge-offs | 205.0000% | 1,899 |
| Earnings coverage of net charge-offs (x) | 9.8700% | 1,964 |
| Efficiency ratio | 67.2986% | 4,712 |
| Assets per employee ($millions) | 3.1770% | 5,725 |
| Cash dividends to net income (ytd only)* | 41.6254% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1664% | 1,835 |
| Loan loss allowance to noncurrent loans | 66.5014% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 2.7731% | 2,608 |
| Noncurrent loans to loans | 3.2576% | 2,463 |
| Net loans and leases to total assets | 62.2541% | 4,630 |
| Net loans and leases to deposits | 74.4713% | 4,601 |
| Net loans and leases to core deposits | 74.8013% | 5,349 |
| Total domestic deposits to total assets | 83.5947% | 4,294 |
| Equity capital to assets | 16.1317% | 649 |
| Core capital (leverage) ratio | 10.3855% | 2,730 |
| Tier 1 risk-based capital ratio | 16.0997% | 2,628 |
| Total risk-based capital ratio | 17.3616% | 2,588 |
| Memoranda: | ||
| Average total assets | $157,719,670 | 3,833 |
| Average earning assets | $136,658,000 | 3,958 |
| Average equity | $24,739,330 | 2,618 |
| Average total loans | $96,631,000 | 3,995 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4933% | 2,617 |
| Cost of funding earning assets | 1.1836% | 5,490 |
| Net interest margin | 4.3097% | 1,657 |
| Noninterest income to average assets | 0.4687% | 4,309 |
| Noninterest expense to average assets | 2.9028% | 4,048 |
| Loan and lease loss provision to assets | 0.1512% | 5,032 |
| Net operating income to assets | 0.7484% | 3,219 |
| Return on assets (ROA) | 0.7484% | 3,326 |
| Pretax return on assets | 1.1490% | 2,556 |
| Return on Equity (ROE) | 4.8386% | 4,456 |
| Retained earnings to average equity (ytd only) | 4.8386% | 3,249 |
| Net charge-offs to loans | -0.0252% | 7,134 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3477% | 5,244 |
| Assets per employee ($millions) | 3.1228% | 5,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2468% | 1,666 |
| Loan loss allowance to noncurrent loans | 65.5773% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 2.7244% | 2,672 |
| Noncurrent loans to loans | 3.4262% | 2,327 |
| Net loans and leases to total assets | 57.5586% | 5,516 |
| Net loans and leases to deposits | 68.2711% | 5,559 |
| Net loans and leases to core deposits | 68.7550% | 6,028 |
| Total domestic deposits to total assets | 84.3089% | 3,994 |
| Equity capital to assets | 15.4915% | 765 |
| Core capital (leverage) ratio | 10.1859% | 2,944 |
| Tier 1 risk-based capital ratio | 16.4893% | 2,456 |
| Total risk-based capital ratio | 17.7522% | 2,398 |
| Memoranda: | ||
| Average total assets | $158,742,000 | 3,868 |
| Average earning assets | $137,549,000 | 4,002 |
| Average equity | $24,552,500 | 2,658 |
| Average total loans | $95,416,500 | 4,087 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6210% | 3,494 |
| Cost of funding earning assets | 1.5751% | 5,153 |
| Net interest margin | 4.0459% | 2,668 |
| Noninterest income to average assets | 0.2372% | 6,399 |
| Noninterest expense to average assets | 6.5971% | 238 |
| Loan and lease loss provision to assets | 0.3402% | 4,763 |
| Net operating income to assets | -3.3293% | 7,468 |
| Return on assets (ROA) | -3.3293% | 7,464 |
| Pretax return on assets | -3.2763% | 7,361 |
| Return on Equity (ROE) | -18.9577% | 7,108 |
| Retained earnings to average equity (ytd only) | -20.6718% | 7,129 |
| Net charge-offs to loans | 0.8613% | 2,675 |
| Credit loss provision to net charge-offs | 65.3935% | 6,560 |
| Earnings coverage of net charge-offs (x) | -5.6447% | 7,119 |
| Efficiency ratio | 80.5460% | 2,805 |
| Assets per employee ($millions) | 2.9853% | 6,258 |
| Cash dividends to net income (ytd only)* | -9.0416% | 7,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1029% | 1,821 |
| Loan loss allowance to noncurrent loans | 53.9376% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 2.4579% | 2,832 |
| Noncurrent loans to loans | 3.8987% | 1,903 |
| Net loans and leases to total assets | 60.0523% | 5,328 |
| Net loans and leases to deposits | 71.1853% | 5,445 |
| Net loans and leases to core deposits | 80.3756% | 6,055 |
| Total domestic deposits to total assets | 84.3606% | 3,858 |
| Equity capital to assets | 15.4422% | 805 |
| Core capital (leverage) ratio | 9.3871% | 3,846 |
| Tier 1 risk-based capital ratio | 15.3713% | 2,774 |
| Total risk-based capital ratio | 16.6326% | 2,724 |
| Memoranda: | ||
| Average total assets | $166,102,800 | 3,671 |
| Average earning assets | $140,562,800 | 3,891 |
| Average equity | $29,170,200 | 2,284 |
| Average total loans | $100,310,200 | 3,943 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6151% | 3,774 |
| Cost of funding earning assets | 1.6199% | 5,310 |
| Net interest margin | 3.9952% | 2,845 |
| Noninterest income to average assets | 0.4585% | 4,837 |
| Noninterest expense to average assets | 3.0581% | 3,813 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5077% | 3,949 |
| Return on assets (ROA) | 0.5077% | 4,034 |
| Pretax return on assets | 0.7655% | 3,645 |
| Return on Equity (ROE) | 2.8111% | 4,871 |
| Retained earnings to average equity (ytd only) | 0.6149% | 4,943 |
| Net charge-offs to loans | 0.0883% | 5,802 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 14.4031% | 1,602 |
| Efficiency ratio | 75.7054% | 3,563 |
| Assets per employee ($millions) | 3.0983% | 5,912 |
| Cash dividends to net income (ytd only)* | 78.1252% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2313% | 1,372 |
| Loan loss allowance to noncurrent loans | 81.1786% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 2.0675% | 3,255 |
| Noncurrent loans to loans | 2.7487% | 2,759 |
| Net loans and leases to total assets | 60.6514% | 5,478 |
| Net loans and leases to deposits | 74.8908% | 5,231 |
| Net loans and leases to core deposits | 84.4147% | 6,011 |
| Total domestic deposits to total assets | 80.9864% | 5,087 |
| Equity capital to assets | 18.6263% | 452 |
| Core capital (leverage) ratio | 10.0054% | 3,275 |
| Tier 1 risk-based capital ratio | 15.7612% | 2,714 |
| Total risk-based capital ratio | 17.0249% | 2,646 |
| Memoranda: | ||
| Average total assets | $168,073,000 | 3,662 |
| Average earning assets | $141,566,750 | 3,898 |
| Average equity | $30,354,500 | 2,227 |
| Average total loans | $101,123,500 | 3,956 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5607% | 4,280 |
| Cost of funding earning assets | 1.6517% | 5,504 |
| Net interest margin | 3.9090% | 3,070 |
| Noninterest income to average assets | 0.3873% | 5,400 |
| Noninterest expense to average assets | 2.9523% | 4,281 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4842% | 4,147 |
| Return on assets (ROA) | 0.4842% | 4,262 |
| Pretax return on assets | 0.7274% | 3,913 |
| Return on Equity (ROE) | 2.7083% | 5,010 |
| Retained earnings to average equity (ytd only) | 1.0569% | 4,736 |
| Net charge-offs to loans | 0.0555% | 5,711 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,241 |
| Efficiency ratio | 75.6098% | 3,761 |
| Assets per employee ($millions) | 3.2754% | 5,380 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3367% | 1,063 |
| Loan loss allowance to noncurrent loans | 80.8392% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 2.0683% | 3,103 |
| Noncurrent loans to loans | 2.8905% | 2,497 |
| Net loans and leases to total assets | 57.8479% | 5,985 |
| Net loans and leases to deposits | 71.5575% | 5,801 |
| Net loans and leases to core deposits | 81.0637% | 6,317 |
| Total domestic deposits to total assets | 80.8411% | 5,131 |
| Equity capital to assets | 18.1161% | 538 |
| Core capital (leverage) ratio | 9.6950% | 3,637 |
| Tier 1 risk-based capital ratio | 15.9113% | 2,659 |
| Total risk-based capital ratio | 17.1764% | 2,595 |
| Memoranda: | ||
| Average total assets | $169,361,000 | 3,659 |
| Average earning assets | $142,644,670 | 3,884 |
| Average equity | $30,277,330 | 2,246 |
| Average total loans | $100,875,330 | 3,990 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4298% | 5,271 |
| Cost of funding earning assets | 1.6754% | 5,715 |
| Net interest margin | 3.7544% | 3,635 |
| Noninterest income to average assets | 0.2768% | 6,206 |
| Noninterest expense to average assets | 2.9580% | 3,946 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3308% | 5,159 |
| Return on assets (ROA) | 0.3308% | 5,348 |
| Pretax return on assets | 0.4832% | 5,130 |
| Return on Equity (ROE) | 1.8623% | 5,821 |
| Retained earnings to average equity (ytd only) | 1.8623% | 4,819 |
| Net charge-offs to loans | 0.0668% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 12.1176% | 1,825 |
| Efficiency ratio | 80.7089% | 2,707 |
| Assets per employee ($millions) | 3.7962% | 4,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3016% | 945 |
| Loan loss allowance to noncurrent loans | 64.7978% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 2.4826% | 2,312 |
| Noncurrent loans to loans | 3.5519% | 1,780 |
| Net loans and leases to total assets | 57.7232% | 5,990 |
| Net loans and leases to deposits | 71.0719% | 5,860 |
| Net loans and leases to core deposits | 80.8335% | 6,322 |
| Total domestic deposits to total assets | 81.2181% | 4,884 |
| Equity capital to assets | 17.7792% | 634 |
| Core capital (leverage) ratio | 9.5969% | 3,872 |
| Tier 1 risk-based capital ratio | 15.3172% | 2,934 |
| Total risk-based capital ratio | 16.5811% | 2,864 |
| Memoranda: | ||
| Average total assets | $170,519,000 | 3,641 |
| Average earning assets | $143,724,500 | 3,879 |
| Average equity | $30,285,000 | 2,247 |
| Average total loans | $101,841,000 | 3,986 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9354% | 8,108 |
| Cost of funding earning assets | 1.1574% | 7,974 |
| Net interest margin | 2.7780% | 7,371 |
| Noninterest income to average assets | 0.3938% | 5,522 |
| Noninterest expense to average assets | 1.9916% | 7,454 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5160% | 4,661 |
| Return on assets (ROA) | 0.5160% | 4,514 |
| Pretax return on assets | 0.8195% | 3,994 |
| Return on Equity (ROE) | 3.5210% | 5,030 |
| Retained earnings to average equity (ytd only) | 1.1500% | 4,541 |
| Net charge-offs to loans | 0.4005% | 2,813 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 3.5375% | 4,321 |
| Efficiency ratio | 66.6461% | 4,992 |
| Assets per employee ($millions) | 3.7824% | 3,994 |
| Cash dividends to net income (ytd only)* | 67.3401% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2774% | 877 |
| Loan loss allowance to noncurrent loans | 78.7614% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 2.2231% | 2,198 |
| Noncurrent loans to loans | 2.8915% | 1,860 |
| Net loans and leases to total assets | 58.9928% | 6,056 |
| Net loans and leases to deposits | 72.6101% | 5,992 |
| Net loans and leases to core deposits | 82.4257% | 6,420 |
| Total domestic deposits to total assets | 81.2460% | 4,532 |
| Equity capital to assets | 17.7417% | 685 |
| Core capital (leverage) ratio | 9.0899% | 4,606 |
| Tier 1 risk-based capital ratio | 14.8076% | 3,144 |
| Total risk-based capital ratio | 16.0731% | 3,053 |
| Memoranda: | ||
| Average total assets | $172,672,800 | 3,509 |
| Average earning assets | $150,250,000 | 3,652 |
| Average equity | $25,305,400 | 2,620 |
| Average total loans | $99,882,600 | 3,954 |