Home > TransAtlantic Bank > Performance and Condition Ratios
TransAtlantic 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 | 4.5157% | 6,670 |
| Cost of funding earning assets | 0.8419% | 6,778 |
| Net interest margin | 3.6738% | 4,483 |
| Noninterest income to average assets | 0.7488% | 2,402 |
| Noninterest expense to average assets | 2.9537% | 3,880 |
| Loan and lease loss provision to assets | 0.4657% | 2,990 |
| Net operating income to assets | 0.6000% | 3,878 |
| Return on assets (ROA) | 0.5231% | 4,384 |
| Pretax return on assets | 0.7146% | 4,182 |
| Return on Equity (ROE) | 5.1978% | 4,188 |
| Retained earnings to average equity (ytd only) | 5.1978% | 2,780 |
| Net charge-offs to loans | 1.5098% | 1,268 |
| Credit loss provision to net charge-offs | 52.8095% | 5,359 |
| Earnings coverage of net charge-offs (x) | 1.4580% | 4,393 |
| Efficiency ratio | 69.6722% | 4,251 |
| Assets per employee ($millions) | 5.1155% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9634% | 2,271 |
| Loan loss allowance to noncurrent loans | 122.6577% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.9613% | 5,211 |
| Noncurrent loans to loans | 1.6007% | 4,311 |
| Net loans and leases to total assets | 56.3979% | 5,639 |
| Net loans and leases to deposits | 66.0597% | 5,795 |
| Net loans and leases to core deposits | 114.7378% | 888 |
| Total domestic deposits to total assets | 85.3740% | 3,431 |
| Equity capital to assets | 10.5090% | 3,401 |
| Core capital (leverage) ratio | 10.1608% | 2,989 |
| Tier 1 risk-based capital ratio | 14.9559% | 3,172 |
| Total risk-based capital ratio | 16.2123% | 3,140 |
| Memoranda: | ||
| Average total assets | $536,825,330 | 1,271 |
| Average earning assets | $510,040,330 | 1,215 |
| Average equity | $54,022,670 | 1,231 |
| Average total loans | $313,550,000 | 1,464 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4526% | 6,891 |
| Cost of funding earning assets | 0.9080% | 6,741 |
| Net interest margin | 3.5446% | 4,971 |
| Noninterest income to average assets | 0.7492% | 2,308 |
| Noninterest expense to average assets | 2.9286% | 3,956 |
| Loan and lease loss provision to assets | 0.5563% | 2,277 |
| Net operating income to assets | 0.4600% | 4,572 |
| Return on assets (ROA) | 0.4443% | 4,775 |
| Pretax return on assets | 0.6075% | 4,570 |
| Return on Equity (ROE) | 4.5140% | 4,651 |
| Retained earnings to average equity (ytd only) | 4.5140% | 3,449 |
| Net charge-offs to loans | 3.1327% | 481 |
| Credit loss provision to net charge-offs | 30.1811% | 4,810 |
| Earnings coverage of net charge-offs (x) | 0.6431% | 4,454 |
| Efficiency ratio | 71.1864% | 4,087 |
| Assets per employee ($millions) | 5.1918% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7503% | 2,894 |
| Loan loss allowance to noncurrent loans | 122.9366% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.9510% | 5,246 |
| Noncurrent loans to loans | 1.4238% | 4,597 |
| Net loans and leases to total assets | 56.0550% | 5,735 |
| Net loans and leases to deposits | 65.0550% | 5,936 |
| Net loans and leases to core deposits | 110.3811% | 1,245 |
| Total domestic deposits to total assets | 86.1654% | 3,054 |
| Equity capital to assets | 9.9371% | 3,942 |
| Core capital (leverage) ratio | 9.9408% | 3,241 |
| Tier 1 risk-based capital ratio | 15.5064% | 2,862 |
| Total risk-based capital ratio | 16.7617% | 2,810 |
| Memoranda: | ||
| Average total assets | $539,231,500 | 1,298 |
| Average earning assets | $511,875,500 | 1,242 |
| Average equity | $53,079,500 | 1,261 |
| Average total loans | $317,298,500 | 1,487 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 7,401 |
| Cost of funding earning assets | 1.2155% | 6,606 |
| Net interest margin | 3.2634% | 5,880 |
| Noninterest income to average assets | 0.7556% | 2,639 |
| Noninterest expense to average assets | 3.2245% | 3,299 |
| Loan and lease loss provision to assets | 1.2571% | 1,839 |
| Net operating income to assets | -0.3345% | 6,016 |
| Return on assets (ROA) | -0.4460% | 6,120 |
| Pretax return on assets | -0.8061% | 6,267 |
| Return on Equity (ROE) | -4.4659% | 6,156 |
| Retained earnings to average equity (ytd only) | -4.4659% | 5,937 |
| Net charge-offs to loans | 1.6757% | 1,509 |
| Credit loss provision to net charge-offs | 120.5266% | 4,440 |
| Earnings coverage of net charge-offs (x) | 0.5995% | 5,508 |
| Efficiency ratio | 83.7587% | 2,380 |
| Assets per employee ($millions) | 5.1287% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1826% | 1,679 |
| Loan loss allowance to noncurrent loans | 52.2967% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 2.6697% | 2,628 |
| Noncurrent loans to loans | 4.1735% | 1,751 |
| Net loans and leases to total assets | 59.3132% | 5,446 |
| Net loans and leases to deposits | 70.9901% | 5,470 |
| Net loans and leases to core deposits | 143.1615% | 701 |
| Total domestic deposits to total assets | 83.5513% | 4,256 |
| Equity capital to assets | 9.7497% | 4,068 |
| Core capital (leverage) ratio | 9.8021% | 3,323 |
| Tier 1 risk-based capital ratio | 16.2391% | 2,419 |
| Total risk-based capital ratio | 17.5021% | 2,354 |
| Memoranda: | ||
| Average total assets | $517,070,000 | 1,335 |
| Average earning assets | $490,262,000 | 1,288 |
| Average equity | $51,635,600 | 1,293 |
| Average total loans | $321,843,000 | 1,494 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 7,477 |
| Cost of funding earning assets | 1.2607% | 6,680 |
| Net interest margin | 3.2673% | 5,764 |
| Noninterest income to average assets | 0.7512% | 2,703 |
| Noninterest expense to average assets | 3.6470% | 1,931 |
| Loan and lease loss provision to assets | 1.5243% | 1,252 |
| Net operating income to assets | -1.3674% | 7,048 |
| Return on assets (ROA) | -1.3672% | 7,045 |
| Pretax return on assets | -1.3223% | 6,873 |
| Return on Equity (ROE) | -13.6057% | 7,110 |
| Retained earnings to average equity (ytd only) | -13.6057% | 7,047 |
| Net charge-offs to loans | 1.6340% | 1,242 |
| Credit loss provision to net charge-offs | 148.8550% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.1969% | 5,827 |
| Efficiency ratio | 94.7600% | 1,352 |
| Assets per employee ($millions) | 5.0421% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4997% | 1,061 |
| Loan loss allowance to noncurrent loans | 60.4860% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 2.6052% | 2,676 |
| Noncurrent loans to loans | 4.1326% | 1,760 |
| Net loans and leases to total assets | 57.4054% | 5,976 |
| Net loans and leases to deposits | 69.0879% | 6,020 |
| Net loans and leases to core deposits | 141.2213% | 863 |
| Total domestic deposits to total assets | 83.0904% | 4,176 |
| Equity capital to assets | 9.3961% | 4,889 |
| Core capital (leverage) ratio | 9.4155% | 4,029 |
| Tier 1 risk-based capital ratio | 15.9233% | 2,658 |
| Total risk-based capital ratio | 17.1907% | 2,585 |
| Memoranda: | ||
| Average total assets | $511,708,000 | 1,360 |
| Average earning assets | $485,111,500 | 1,319 |
| Average equity | $51,418,500 | 1,317 |
| Average total loans | $320,669,000 | 1,521 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 7,440 |
| Cost of funding earning assets | 1.3388% | 6,676 |
| Net interest margin | 3.3238% | 5,459 |
| Noninterest income to average assets | 0.7503% | 2,703 |
| Noninterest expense to average assets | 3.5327% | 2,239 |
| Loan and lease loss provision to assets | 2.0699% | 773 |
| Net operating income to assets | -1.7654% | 7,349 |
| Return on assets (ROA) | -1.7654% | 7,339 |
| Pretax return on assets | -1.7116% | 7,176 |
| Return on Equity (ROE) | -17.1697% | 7,425 |
| Retained earnings to average equity (ytd only) | -17.1697% | 7,354 |
| Net charge-offs to loans | 2.0437% | 908 |
| Credit loss provision to net charge-offs | 158.1990% | 2,909 |
| Earnings coverage of net charge-offs (x) | 0.2738% | 5,398 |
| Efficiency ratio | 90.7928% | 1,743 |
| Assets per employee ($millions) | 4.5487% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5477% | 860 |
| Loan loss allowance to noncurrent loans | 71.9220% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 2.2466% | 2,896 |
| Noncurrent loans to loans | 3.5423% | 1,974 |
| Net loans and leases to total assets | 57.5099% | 6,034 |
| Net loans and leases to deposits | 68.7697% | 6,117 |
| Net loans and leases to core deposits | 137.5453% | 1,127 |
| Total domestic deposits to total assets | 83.6268% | 3,953 |
| Equity capital to assets | 9.4225% | 4,715 |
| Core capital (leverage) ratio | 9.6871% | 3,648 |
| Tier 1 risk-based capital ratio | 16.1209% | 2,582 |
| Total risk-based capital ratio | 17.3882% | 2,526 |
| Memoranda: | ||
| Average total assets | $502,443,000 | 1,415 |
| Average earning assets | $474,764,670 | 1,366 |
| Average equity | $51,660,670 | 1,318 |
| Average total loans | $321,677,330 | 1,547 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0003% | 6,930 |
| Cost of funding earning assets | 1.4957% | 6,412 |
| Net interest margin | 3.5046% | 4,713 |
| Noninterest income to average assets | 0.7905% | 2,380 |
| Noninterest expense to average assets | 3.4526% | 2,225 |
| Loan and lease loss provision to assets | 3.5930% | 286 |
| Net operating income to assets | -1.8030% | 7,603 |
| Return on assets (ROA) | -1.8030% | 7,606 |
| Pretax return on assets | -2.9642% | 7,746 |
| Return on Equity (ROE) | -16.7807% | 7,666 |
| Retained earnings to average equity (ytd only) | -16.7807% | 7,523 |
| Net charge-offs to loans | 4.2078% | 285 |
| Credit loss provision to net charge-offs | 127.9814% | 3,122 |
| Earnings coverage of net charge-offs (x) | 0.2240% | 4,804 |
| Efficiency ratio | 84.5938% | 2,242 |
| Assets per employee ($millions) | 4.4999% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1812% | 1,103 |
| Loan loss allowance to noncurrent loans | 62.6357% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 2.3353% | 2,453 |
| Noncurrent loans to loans | 3.4824% | 1,829 |
| Net loans and leases to total assets | 59.4721% | 5,741 |
| Net loans and leases to deposits | 71.4620% | 5,811 |
| Net loans and leases to core deposits | 142.2490% | 1,000 |
| Total domestic deposits to total assets | 83.2220% | 4,031 |
| Equity capital to assets | 9.7399% | 4,319 |
| Core capital (leverage) ratio | 10.8711% | 2,605 |
| Tier 1 risk-based capital ratio | 15.2760% | 2,949 |
| Total risk-based capital ratio | 16.5369% | 2,885 |
| Memoranda: | ||
| Average total assets | $489,839,500 | 1,452 |
| Average earning assets | $459,971,000 | 1,413 |
| Average equity | $52,632,000 | 1,296 |
| Average total loans | $326,824,000 | 1,538 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3354% | 3,761 |
| Cost of funding earning assets | 2.3455% | 4,945 |
| Net interest margin | 3.9898% | 3,165 |
| Noninterest income to average assets | 0.8893% | 2,003 |
| Noninterest expense to average assets | 3.4083% | 2,648 |
| Loan and lease loss provision to assets | 2.2894% | 493 |
| Net operating income to assets | -0.6116% | 7,010 |
| Return on assets (ROA) | -0.6116% | 6,905 |
| Pretax return on assets | -1.0821% | 7,048 |
| Return on Equity (ROE) | -5.5726% | 6,918 |
| Retained earnings to average equity (ytd only) | -5.5726% | 6,597 |
| Net charge-offs to loans | 2.9549% | 301 |
| Credit loss provision to net charge-offs | 105.9998% | 5,052 |
| Earnings coverage of net charge-offs (x) | 0.5590% | 5,894 |
| Efficiency ratio | 73.8432% | 3,607 |
| Assets per employee ($millions) | 3.8734% | 3,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8348% | 1,561 |
| Loan loss allowance to noncurrent loans | 48.6757% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 3.0129% | 1,523 |
| Noncurrent loans to loans | 3.7695% | 1,323 |
| Net loans and leases to total assets | 72.2506% | 3,529 |
| Net loans and leases to deposits | 90.5198% | 3,362 |
| Net loans and leases to core deposits | 146.3429% | 1,004 |
| Total domestic deposits to total assets | 79.8175% | 5,093 |
| Equity capital to assets | 11.9121% | 2,349 |
| Core capital (leverage) ratio | 11.7290% | 2,109 |
| Tier 1 risk-based capital ratio | 15.3393% | 2,906 |
| Total risk-based capital ratio | 16.5958% | 2,838 |
| Memoranda: | ||
| Average total assets | $528,614,800 | 1,282 |
| Average earning assets | $493,705,800 | 1,250 |
| Average equity | $58,016,200 | 1,155 |
| Average total loans | $386,380,400 | 1,256 |