Home > Treaty Oak Bank > Performance and Condition Ratios
Treaty Oak 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 | 2.4187% | 7,487 |
| Cost of funding earning assets | 0.4946% | 6,990 |
| Net interest margin | 1.9242% | 7,427 |
| Noninterest income to average assets | 0.4581% | 4,207 |
| Noninterest expense to average assets | 3.2288% | 2,785 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.6945% | 6,911 |
| Return on assets (ROA) | -0.6945% | 6,917 |
| Pretax return on assets | -1.0603% | 7,017 |
| Return on Equity (ROE) | -9.3381% | 7,006 |
| Retained earnings to average equity (ytd only) | -9.3381% | 6,832 |
| Net charge-offs to loans | -0.2094% | 7,265 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.7223% | 172 |
| Assets per employee ($millions) | 2.6081% | 6,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3629% | 679 |
| Loan loss allowance to noncurrent loans | 18,211.1111% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 7,175 |
| Noncurrent loans to loans | 0.0185% | 7,020 |
| Net loans and leases to total assets | 44.0462% | 6,468 |
| Net loans and leases to deposits | 52.0161% | 6,477 |
| Net loans and leases to core deposits | 53.4803% | 6,590 |
| Total domestic deposits to total assets | 84.6780% | 4,195 |
| Equity capital to assets | 10.3366% | 3,361 |
| Core capital (leverage) ratio | 9.8901% | 3,282 |
| Tier 1 risk-based capital ratio | 20.7135% | 1,446 |
| Total risk-based capital ratio | 21.9642% | 1,420 |
| Memoranda: | ||
| Average total assets | $108,274,000 | 4,783 |
| Average earning assets | $96,248,500 | 4,845 |
| Average equity | $8,053,000 | 5,590 |
| Average total loans | $59,220,000 | 5,041 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4276% | 6,564 |
| Cost of funding earning assets | 1.0154% | 5,612 |
| Net interest margin | 3.4122% | 5,584 |
| Noninterest income to average assets | 0.7826% | 2,365 |
| Noninterest expense to average assets | 4.9444% | 435 |
| Loan and lease loss provision to assets | 3.6031% | 204 |
| Net operating income to assets | -4.7468% | 7,516 |
| Return on assets (ROA) | -4.6233% | 7,515 |
| Pretax return on assets | -4.6233% | 7,514 |
| Return on Equity (ROE) | -74.5228% | 7,531 |
| Retained earnings to average equity (ytd only) | -74.5228% | 7,530 |
| Net charge-offs to loans | 3.9225% | 328 |
| Credit loss provision to net charge-offs | 128.4375% | 3,120 |
| Earnings coverage of net charge-offs (x) | -0.4077% | 6,411 |
| Efficiency ratio | 129.6708% | 320 |
| Assets per employee ($millions) | 2.6736% | 6,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1705% | 27 |
| Loan loss allowance to noncurrent loans | 78.3718% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 10.8578% | 357 |
| Noncurrent loans to loans | 11.7012% | 309 |
| Net loans and leases to total assets | 57.7556% | 5,062 |
| Net loans and leases to deposits | 65.5770% | 5,445 |
| Net loans and leases to core deposits | 68.3243% | 5,632 |
| Total domestic deposits to total assets | 88.0730% | 2,207 |
| Equity capital to assets | 4.6097% | 7,470 |
| Core capital (leverage) ratio | 3.4137% | 7,535 |
| Tier 1 risk-based capital ratio | 5.2915% | 7,510 |
| Total risk-based capital ratio | 6.5471% | 7,515 |
| Memoranda: | ||
| Average total assets | $125,474,200 | 4,363 |
| Average earning assets | $110,985,400 | 4,445 |
| Average equity | $7,784,200 | 5,781 |
| Average total loans | $89,738,400 | 4,062 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4611% | 6,687 |
| Cost of funding earning assets | 1.0214% | 5,840 |
| Net interest margin | 3.4397% | 5,531 |
| Noninterest income to average assets | 0.7138% | 2,747 |
| Noninterest expense to average assets | 4.7424% | 472 |
| Loan and lease loss provision to assets | 4.6569% | 113 |
| Net operating income to assets | -5.6365% | 7,681 |
| Return on assets (ROA) | -5.4769% | 7,681 |
| Pretax return on assets | -5.4769% | 7,672 |
| Return on Equity (ROE) | -83.7269% | 7,667 |
| Retained earnings to average equity (ytd only) | -83.7269% | 7,667 |
| Net charge-offs to loans | 4.6818% | 200 |
| Credit loss provision to net charge-offs | 135.8882% | 2,954 |
| Earnings coverage of net charge-offs (x) | -0.2858% | 6,234 |
| Efficiency ratio | 125.6228% | 337 |
| Assets per employee ($millions) | 2.6315% | 6,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3649% | 35 |
| Loan loss allowance to noncurrent loans | 80.5702% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 12.3532% | 254 |
| Noncurrent loans to loans | 10.3821% | 391 |
| Net loans and leases to total assets | 65.2694% | 3,848 |
| Net loans and leases to deposits | 74.2899% | 4,456 |
| Net loans and leases to core deposits | 78.1956% | 4,781 |
| Total domestic deposits to total assets | 87.8576% | 2,049 |
| Equity capital to assets | 5.0289% | 7,575 |
| Core capital (leverage) ratio | 3.8195% | 7,633 |
| Tier 1 risk-based capital ratio | 5.1748% | 7,632 |
| Total risk-based capital ratio | 6.4230% | 7,635 |
| Memoranda: | ||
| Average total assets | $129,438,500 | 4,339 |
| Average earning assets | $114,736,000 | 4,410 |
| Average equity | $8,467,000 | 5,634 |
| Average total loans | $94,747,500 | 4,003 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5373% | 6,620 |
| Cost of funding earning assets | 1.0172% | 6,062 |
| Net interest margin | 3.5200% | 5,163 |
| Noninterest income to average assets | 0.6807% | 2,816 |
| Noninterest expense to average assets | 4.3523% | 677 |
| Loan and lease loss provision to assets | 6.5137% | 63 |
| Net operating income to assets | -7.0294% | 7,774 |
| Return on assets (ROA) | -6.9248% | 7,773 |
| Pretax return on assets | -6.9248% | 7,760 |
| Return on Equity (ROE) | -99.6114% | 7,736 |
| Retained earnings to average equity (ytd only) | -99.6114% | 7,735 |
| Net charge-offs to loans | 3.4449% | 434 |
| Credit loss provision to net charge-offs | 256.4385% | 1,484 |
| Earnings coverage of net charge-offs (x) | -0.2030% | 5,876 |
| Efficiency ratio | 113.0568% | 505 |
| Assets per employee ($millions) | 2.7590% | 6,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1742% | 26 |
| Loan loss allowance to noncurrent loans | 70.3366% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 10.9568% | 326 |
| Noncurrent loans to loans | 13.0433% | 229 |
| Net loans and leases to total assets | 67.4921% | 3,500 |
| Net loans and leases to deposits | 76.6599% | 4,209 |
| Net loans and leases to core deposits | 88.9047% | 3,422 |
| Total domestic deposits to total assets | 88.0410% | 1,977 |
| Equity capital to assets | 5.3296% | 7,608 |
| Core capital (leverage) ratio | 3.8491% | 7,690 |
| Tier 1 risk-based capital ratio | 5.7251% | 7,669 |
| Total risk-based capital ratio | 6.9735% | 7,671 |
| Memoranda: | ||
| Average total assets | $135,744,000 | 4,219 |
| Average earning assets | $121,703,000 | 4,276 |
| Average equity | $9,436,670 | 5,360 |
| Average total loans | $100,089,330 | 3,895 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 6,623 |
| Cost of funding earning assets | 1.0351% | 6,202 |
| Net interest margin | 3.5396% | 4,994 |
| Noninterest income to average assets | 0.6265% | 3,110 |
| Noninterest expense to average assets | 3.8393% | 1,260 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0277% | 6,346 |
| Return on assets (ROA) | 0.1691% | 5,916 |
| Pretax return on assets | 0.1691% | 5,971 |
| Return on Equity (ROE) | 2.2195% | 5,669 |
| Retained earnings to average equity (ytd only) | 2.2195% | 4,796 |
| Net charge-offs to loans | 0.2225% | 3,599 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.1695% | 5,145 |
| Efficiency ratio | 100.3636% | 823 |
| Assets per employee ($millions) | 3.4530% | 5,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2934% | 144 |
| Loan loss allowance to noncurrent loans | 44.8482% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 8.9904% | 500 |
| Noncurrent loans to loans | 11.8028% | 300 |
| Net loans and leases to total assets | 67.3843% | 3,533 |
| Net loans and leases to deposits | 80.2500% | 3,614 |
| Net loans and leases to core deposits | 90.3596% | 3,318 |
| Total domestic deposits to total assets | 83.9680% | 4,161 |
| Equity capital to assets | 7.8179% | 6,833 |
| Core capital (leverage) ratio | 6.6421% | 7,416 |
| Tier 1 risk-based capital ratio | 9.1974% | 7,428 |
| Total risk-based capital ratio | 10.4476% | 7,435 |
| Memoranda: | ||
| Average total assets | $144,296,500 | 4,123 |
| Average earning assets | $129,844,500 | 4,152 |
| Average equity | $10,993,500 | 4,974 |
| Average total loans | $106,054,000 | 3,775 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 6,768 |
| Cost of funding earning assets | 1.2224% | 6,581 |
| Net interest margin | 3.6533% | 4,340 |
| Noninterest income to average assets | 0.5457% | 4,057 |
| Noninterest expense to average assets | 3.7153% | 1,876 |
| Loan and lease loss provision to assets | 5.1401% | 177 |
| Net operating income to assets | -4.9243% | 7,738 |
| Return on assets (ROA) | -4.9243% | 7,733 |
| Pretax return on assets | -4.9243% | 7,692 |
| Return on Equity (ROE) | -54.5033% | 7,721 |
| Retained earnings to average equity (ytd only) | -54.5033% | 7,716 |
| Net charge-offs to loans | 2.8891% | 752 |
| Credit loss provision to net charge-offs | 217.5814% | 1,748 |
| Earnings coverage of net charge-offs (x) | 0.0914% | 6,065 |
| Efficiency ratio | 94.3277% | 1,395 |
| Assets per employee ($millions) | 3.8689% | 4,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8403% | 191 |
| Loan loss allowance to noncurrent loans | 124.9652% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 3.1227% | 2,216 |
| Noncurrent loans to loans | 3.8733% | 1,920 |
| Net loans and leases to total assets | 72.0902% | 2,738 |
| Net loans and leases to deposits | 84.7611% | 3,128 |
| Net loans and leases to core deposits | 113.6821% | 2,531 |
| Total domestic deposits to total assets | 85.0510% | 3,527 |
| Equity capital to assets | 7.4269% | 7,100 |
| Core capital (leverage) ratio | 6.6548% | 7,428 |
| Tier 1 risk-based capital ratio | 8.3194% | 7,610 |
| Total risk-based capital ratio | 9.5712% | 7,629 |
| Memoranda: | ||
| Average total assets | $140,365,800 | 4,119 |
| Average earning assets | $130,072,600 | 4,085 |
| Average equity | $12,681,800 | 4,593 |
| Average total loans | $114,777,600 | 3,588 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9062% | 6,869 |
| Cost of funding earning assets | 1.2512% | 6,720 |
| Net interest margin | 3.6549% | 4,256 |
| Noninterest income to average assets | 0.5595% | 4,016 |
| Noninterest expense to average assets | 3.7586% | 1,690 |
| Loan and lease loss provision to assets | 2.1830% | 797 |
| Net operating income to assets | -1.9677% | 7,303 |
| Return on assets (ROA) | -1.9677% | 7,307 |
| Pretax return on assets | -1.9677% | 7,167 |
| Return on Equity (ROE) | -20.7984% | 7,403 |
| Retained earnings to average equity (ytd only) | -20.7984% | 7,373 |
| Net charge-offs to loans | 1.9926% | 988 |
| Credit loss provision to net charge-offs | 131.4236% | 3,807 |
| Earnings coverage of net charge-offs (x) | 0.1296% | 5,903 |
| Efficiency ratio | 94.3880% | 1,379 |
| Assets per employee ($millions) | 3.4264% | 5,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7847% | 2,325 |
| Loan loss allowance to noncurrent loans | 46.2710% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 3.1591% | 2,156 |
| Noncurrent loans to loans | 3.8570% | 1,922 |
| Net loans and leases to total assets | 79.7191% | 1,230 |
| Net loans and leases to deposits | 95.0365% | 1,706 |
| Net loans and leases to core deposits | 130.2721% | 1,421 |
| Total domestic deposits to total assets | 83.8826% | 3,779 |
| Equity capital to assets | 10.1878% | 3,863 |
| Core capital (leverage) ratio | 9.2608% | 4,249 |
| Tier 1 risk-based capital ratio | 11.0241% | 5,929 |
| Total risk-based capital ratio | 12.2777% | 5,889 |
| Memoranda: | ||
| Average total assets | $138,702,250 | 4,168 |
| Average earning assets | $129,575,000 | 4,110 |
| Average equity | $13,122,500 | 4,506 |
| Average total loans | $115,627,500 | 3,604 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8588% | 7,119 |
| Cost of funding earning assets | 1.2788% | 6,874 |
| Net interest margin | 3.5800% | 4,450 |
| Noninterest income to average assets | 0.4953% | 4,485 |
| Noninterest expense to average assets | 3.7608% | 1,723 |
| Loan and lease loss provision to assets | 3.1352% | 477 |
| Net operating income to assets | -3.0642% | 7,692 |
| Return on assets (ROA) | -3.0642% | 7,688 |
| Pretax return on assets | -3.0642% | 7,584 |
| Return on Equity (ROE) | -33.2548% | 7,758 |
| Retained earnings to average equity (ytd only) | -33.2548% | 7,735 |
| Net charge-offs to loans | 1.4153% | 1,329 |
| Credit loss provision to net charge-offs | 263.3820% | 1,769 |
| Earnings coverage of net charge-offs (x) | 0.0596% | 5,615 |
| Efficiency ratio | 97.9592% | 1,268 |
| Assets per employee ($millions) | 3.2307% | 5,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4031% | 985 |
| Loan loss allowance to noncurrent loans | 124.5606% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 1.6744% | 3,678 |
| Noncurrent loans to loans | 1.9293% | 3,631 |
| Net loans and leases to total assets | 82.8813% | 802 |
| Net loans and leases to deposits | 97.7975% | 1,552 |
| Net loans and leases to core deposits | 141.0474% | 970 |
| Total domestic deposits to total assets | 84.7478% | 3,383 |
| Equity capital to assets | 9.1378% | 5,112 |
| Core capital (leverage) ratio | 8.1429% | 6,093 |
| Tier 1 risk-based capital ratio | 9.4569% | 7,428 |
| Total risk-based capital ratio | 10.7218% | 7,370 |
| Memoranda: | ||
| Average total assets | $138,109,000 | 4,215 |
| Average earning assets | $128,715,330 | 4,168 |
| Average equity | $12,726,000 | 4,619 |
| Average total loans | $116,161,330 | 3,620 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7563% | 7,426 |
| Cost of funding earning assets | 1.3196% | 6,961 |
| Net interest margin | 3.4367% | 4,985 |
| Noninterest income to average assets | 0.4880% | 4,424 |
| Noninterest expense to average assets | 3.7094% | 1,636 |
| Loan and lease loss provision to assets | 0.6565% | 1,927 |
| Net operating income to assets | -0.6855% | 7,042 |
| Return on assets (ROA) | -0.6855% | 7,079 |
| Pretax return on assets | -0.6855% | 6,960 |
| Return on Equity (ROE) | -7.4086% | 7,183 |
| Retained earnings to average equity (ytd only) | -7.4086% | 6,842 |
| Net charge-offs to loans | 0.0868% | 4,296 |
| Credit loss provision to net charge-offs | 904.0000% | 678 |
| Earnings coverage of net charge-offs (x) | -0.4000% | 5,219 |
| Efficiency ratio | 100.5525% | 1,108 |
| Assets per employee ($millions) | 3.4005% | 5,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 3,308 |
| Loan loss allowance to noncurrent loans | 44.3310% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 2.7751% | 2,042 |
| Noncurrent loans to loans | 3.2429% | 1,987 |
| Net loans and leases to total assets | 83.2534% | 819 |
| Net loans and leases to deposits | 98.5967% | 1,586 |
| Net loans and leases to core deposits | 145.6550% | 879 |
| Total domestic deposits to total assets | 84.4383% | 3,494 |
| Equity capital to assets | 9.5927% | 4,539 |
| Core capital (leverage) ratio | 8.6902% | 5,171 |
| Tier 1 risk-based capital ratio | 9.7151% | 7,237 |
| Total risk-based capital ratio | 10.9665% | 7,145 |
| Memoranda: | ||
| Average total assets | $137,704,500 | 4,235 |
| Average earning assets | $127,914,000 | 4,193 |
| Average equity | $12,742,000 | 4,644 |
| Average total loans | $115,256,000 | 3,667 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0112% | 5,494 |
| Cost of funding earning assets | 1.8093% | 6,981 |
| Net interest margin | 4.2018% | 2,305 |
| Noninterest income to average assets | 0.4743% | 4,842 |
| Noninterest expense to average assets | 4.1029% | 1,276 |
| Loan and lease loss provision to assets | 0.6483% | 2,247 |
| Net operating income to assets | -0.4160% | 6,842 |
| Return on assets (ROA) | -0.4160% | 6,717 |
| Pretax return on assets | -0.4160% | 6,560 |
| Return on Equity (ROE) | -4.4652% | 6,805 |
| Retained earnings to average equity (ytd only) | -4.4652% | 6,410 |
| Net charge-offs to loans | 0.1398% | 4,824 |
| Credit loss provision to net charge-offs | 560.2837% | 785 |
| Earnings coverage of net charge-offs (x) | 2.0071% | 5,069 |
| Efficiency ratio | 94.4539% | 1,246 |
| Assets per employee ($millions) | 3.3168% | 5,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 3,641 |
| Loan loss allowance to noncurrent loans | 119.4712% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 1.1324% | 4,010 |
| Noncurrent loans to loans | 1.1069% | 4,341 |
| Net loans and leases to total assets | 81.8126% | 1,263 |
| Net loans and leases to deposits | 96.2839% | 2,402 |
| Net loans and leases to core deposits | 111.0660% | 3,677 |
| Total domestic deposits to total assets | 84.9702% | 2,857 |
| Equity capital to assets | 8.9051% | 5,495 |
| Core capital (leverage) ratio | 8.4129% | 5,732 |
| Tier 1 risk-based capital ratio | 8.9807% | 7,795 |
| Total risk-based capital ratio | 10.2200% | 7,805 |
| Memoranda: | ||
| Average total assets | $121,864,600 | 4,469 |
| Average earning assets | $111,975,000 | 4,476 |
| Average equity | $11,354,400 | 5,021 |
| Average total loans | $100,892,000 | 3,921 |