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Trust One Bank, Performance and Condition Ratios
| 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 | 4.9975% | 5,031 |
| Cost of funding earning assets | 1.4101% | 4,114 |
| Net interest margin | 3.5874% | 4,783 |
| Noninterest income to average assets | 0.4293% | 4,669 |
| Noninterest expense to average assets | 3.2297% | 2,762 |
| Loan and lease loss provision to assets | -0.1395% | 7,875 |
| Net operating income to assets | 0.5252% | 4,261 |
| Return on assets (ROA) | 0.5252% | 4,399 |
| Pretax return on assets | 0.5492% | 4,787 |
| Return on Equity (ROE) | 4.5686% | 4,613 |
| Retained earnings to average equity (ytd only) | 4.5686% | 3,409 |
| Net charge-offs to loans | 1.0101% | 1,629 |
| Credit loss provision to net charge-offs | -19.5122% | 5,969 |
| Earnings coverage of net charge-offs (x) | 0.5732% | 4,520 |
| Efficiency ratio | 84.5210% | 1,977 |
| Assets per employee ($millions) | 5.1398% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5667% | 1,216 |
| Loan loss allowance to noncurrent loans | 94.0307% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 2.0448% | 3,448 |
| Noncurrent loans to loans | 2.7296% | 2,923 |
| Net loans and leases to total assets | 69.8061% | 2,984 |
| Net loans and leases to deposits | 84.8414% | 2,794 |
| Net loans and leases to core deposits | 111.9181% | 1,170 |
| Total domestic deposits to total assets | 82.2783% | 4,940 |
| Equity capital to assets | 11.7990% | 2,164 |
| Core capital (leverage) ratio | 10.7633% | 2,403 |
| Tier 1 risk-based capital ratio | 14.4776% | 3,390 |
| Total risk-based capital ratio | 15.7459% | 3,346 |
| Memoranda: | ||
| Average total assets | $367,098,000 | 1,866 |
| Average earning assets | $328,485,500 | 1,904 |
| Average equity | $42,201,000 | 1,587 |
| Average total loans | $259,787,000 | 1,802 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0821% | 6,157 |
| Cost of funding earning assets | 1.7247% | 4,377 |
| Net interest margin | 3.3574% | 5,535 |
| Noninterest income to average assets | 0.2038% | 6,653 |
| Noninterest expense to average assets | 3.0967% | 3,760 |
| Loan and lease loss provision to assets | 2.9654% | 589 |
| Net operating income to assets | -2.5229% | 7,275 |
| Return on assets (ROA) | -2.5227% | 7,271 |
| Pretax return on assets | -2.8417% | 7,251 |
| Return on Equity (ROE) | -24.6711% | 7,279 |
| Retained earnings to average equity (ytd only) | -24.6711% | 7,254 |
| Net charge-offs to loans | 3.6955% | 502 |
| Credit loss provision to net charge-offs | 105.3799% | 5,255 |
| Earnings coverage of net charge-offs (x) | 0.0439% | 6,135 |
| Efficiency ratio | 91.5850% | 1,597 |
| Assets per employee ($millions) | 5.4263% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8265% | 910 |
| Loan loss allowance to noncurrent loans | 82.6446% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 2.5240% | 2,771 |
| Noncurrent loans to loans | 3.4201% | 2,233 |
| Net loans and leases to total assets | 67.9484% | 3,711 |
| Net loans and leases to deposits | 84.2899% | 3,205 |
| Net loans and leases to core deposits | 121.6496% | 1,816 |
| Total domestic deposits to total assets | 80.6128% | 5,468 |
| Equity capital to assets | 11.2045% | 2,529 |
| Core capital (leverage) ratio | 9.8788% | 3,227 |
| Tier 1 risk-based capital ratio | 14.0430% | 3,474 |
| Total risk-based capital ratio | 15.3291% | 3,404 |
| Memoranda: | ||
| Average total assets | $418,128,400 | 1,650 |
| Average earning assets | $375,651,200 | 1,674 |
| Average equity | $42,754,400 | 1,561 |
| Average total loans | $318,391,000 | 1,510 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0801% | 6,340 |
| Cost of funding earning assets | 1.7818% | 4,468 |
| Net interest margin | 3.2984% | 5,647 |
| Noninterest income to average assets | 0.2955% | 6,112 |
| Noninterest expense to average assets | 2.9310% | 4,312 |
| Loan and lease loss provision to assets | 3.4506% | 385 |
| Net operating income to assets | -2.6280% | 7,492 |
| Return on assets (ROA) | -2.6280% | 7,498 |
| Pretax return on assets | -3.1171% | 7,534 |
| Return on Equity (ROE) | -26.2499% | 7,534 |
| Retained earnings to average equity (ytd only) | -26.2499% | 7,517 |
| Net charge-offs to loans | 4.2797% | 309 |
| Credit loss provision to net charge-offs | 104.0285% | 4,887 |
| Earnings coverage of net charge-offs (x) | 0.1005% | 5,940 |
| Efficiency ratio | 85.3118% | 2,149 |
| Assets per employee ($millions) | 6.3522% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7329% | 853 |
| Loan loss allowance to noncurrent loans | 43.5293% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 5.2709% | 1,100 |
| Noncurrent loans to loans | 6.2784% | 931 |
| Net loans and leases to total assets | 67.6165% | 4,046 |
| Net loans and leases to deposits | 82.4147% | 3,935 |
| Net loans and leases to core deposits | 125.3160% | 1,786 |
| Total domestic deposits to total assets | 82.0443% | 4,658 |
| Equity capital to assets | 10.5639% | 3,437 |
| Core capital (leverage) ratio | 9.8250% | 3,489 |
| Tier 1 risk-based capital ratio | 12.7217% | 4,371 |
| Total risk-based capital ratio | 13.9872% | 4,312 |
| Memoranda: | ||
| Average total assets | $429,057,500 | 1,628 |
| Average earning assets | $386,202,000 | 1,653 |
| Average equity | $42,955,250 | 1,574 |
| Average total loans | $332,537,000 | 1,473 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1838% | 6,137 |
| Cost of funding earning assets | 1.8334% | 4,591 |
| Net interest margin | 3.3504% | 5,361 |
| Noninterest income to average assets | 0.4506% | 4,843 |
| Noninterest expense to average assets | 2.9390% | 4,341 |
| Loan and lease loss provision to assets | 2.4250% | 654 |
| Net operating income to assets | -1.1140% | 7,061 |
| Return on assets (ROA) | -1.1140% | 7,061 |
| Pretax return on assets | -1.8902% | 7,245 |
| Return on Equity (ROE) | -11.3289% | 7,132 |
| Retained earnings to average equity (ytd only) | -11.3289% | 6,995 |
| Net charge-offs to loans | 1.8964% | 988 |
| Credit loss provision to net charge-offs | 159.6710% | 2,877 |
| Earnings coverage of net charge-offs (x) | 0.3521% | 5,334 |
| Efficiency ratio | 80.3569% | 2,987 |
| Assets per employee ($millions) | 5.8848% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8338% | 659 |
| Loan loss allowance to noncurrent loans | 38.1991% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 6.7643% | 652 |
| Noncurrent loans to loans | 7.4185% | 633 |
| Net loans and leases to total assets | 77.9115% | 1,761 |
| Net loans and leases to deposits | 94.3232% | 2,045 |
| Net loans and leases to core deposits | 142.8355% | 899 |
| Total domestic deposits to total assets | 82.6005% | 4,425 |
| Equity capital to assets | 9.8415% | 4,163 |
| Core capital (leverage) ratio | 8.5742% | 5,306 |
| Tier 1 risk-based capital ratio | 9.7348% | 7,197 |
| Total risk-based capital ratio | 11.0025% | 7,123 |
| Memoranda: | ||
| Average total assets | $432,327,330 | 1,634 |
| Average earning assets | $390,100,000 | 1,664 |
| Average equity | $42,510,670 | 1,606 |
| Average total loans | $346,234,000 | 1,440 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3334% | 5,736 |
| Cost of funding earning assets | 1.9861% | 4,200 |
| Net interest margin | 3.3473% | 5,335 |
| Noninterest income to average assets | 0.3130% | 5,940 |
| Noninterest expense to average assets | 2.8382% | 4,390 |
| Loan and lease loss provision to assets | 2.1175% | 560 |
| Net operating income to assets | -0.9482% | 7,220 |
| Return on assets (ROA) | -0.9482% | 7,247 |
| Pretax return on assets | -1.6152% | 7,408 |
| Return on Equity (ROE) | -9.6468% | 7,340 |
| Retained earnings to average equity (ytd only) | -9.6468% | 7,077 |
| Net charge-offs to loans | 0.9016% | 1,458 |
| Credit loss provision to net charge-offs | 293.4426% | 1,656 |
| Earnings coverage of net charge-offs (x) | 0.6961% | 4,452 |
| Efficiency ratio | 80.5503% | 2,738 |
| Assets per employee ($millions) | 5.3115% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5994% | 693 |
| Loan loss allowance to noncurrent loans | 44.4145% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 5.8178% | 703 |
| Noncurrent loans to loans | 5.8527% | 835 |
| Net loans and leases to total assets | 80.9838% | 1,204 |
| Net loans and leases to deposits | 104.5611% | 974 |
| Net loans and leases to core deposits | 169.3595% | 358 |
| Total domestic deposits to total assets | 77.4512% | 6,164 |
| Equity capital to assets | 10.1657% | 3,804 |
| Core capital (leverage) ratio | 8.8416% | 4,920 |
| Tier 1 risk-based capital ratio | 10.3785% | 6,516 |
| Total risk-based capital ratio | 11.6440% | 6,409 |
| Memoranda: | ||
| Average total assets | $439,579,500 | 1,615 |
| Average earning assets | $397,570,000 | 1,640 |
| Average equity | $43,206,000 | 1,582 |
| Average total loans | $351,838,000 | 1,437 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8719% | 6,172 |
| Cost of funding earning assets | 2.9605% | 2,025 |
| Net interest margin | 2.9114% | 7,131 |
| Noninterest income to average assets | 0.1189% | 7,528 |
| Noninterest expense to average assets | 16.6888% | 64 |
| Loan and lease loss provision to assets | 2.4530% | 429 |
| Net operating income to assets | -15.5891% | 8,294 |
| Return on assets (ROA) | -15.7188% | 8,293 |
| Pretax return on assets | -16.7663% | 8,295 |
| Return on Equity (ROE) | -91.7575% | 8,262 |
| Retained earnings to average equity (ytd only) | -91.7575% | 8,258 |
| Net charge-offs to loans | 3.0132% | 293 |
| Credit loss provision to net charge-offs | 109.8964% | 4,903 |
| Earnings coverage of net charge-offs (x) | -6.3507% | 6,859 |
| Efficiency ratio | 91.6519% | 1,401 |
| Assets per employee ($millions) | 5.8917% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1238% | 1,032 |
| Loan loss allowance to noncurrent loans | 90.7722% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 2.4644% | 1,969 |
| Noncurrent loans to loans | 2.3397% | 2,361 |
| Net loans and leases to total assets | 75.5645% | 2,744 |
| Net loans and leases to deposits | 93.0717% | 2,945 |
| Net loans and leases to core deposits | 157.1073% | 640 |
| Total domestic deposits to total assets | 81.1895% | 4,565 |
| Equity capital to assets | 9.5214% | 4,655 |
| Core capital (leverage) ratio | 7.4243% | 7,289 |
| Tier 1 risk-based capital ratio | 9.9977% | 6,737 |
| Total risk-based capital ratio | 11.2570% | 6,610 |
| Memoranda: | ||
| Average total assets | $514,716,200 | 1,309 |
| Average earning assets | $423,341,400 | 1,474 |
| Average equity | $88,174,800 | 756 |
| Average total loans | $381,295,000 | 1,270 |