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Twin City Bank, Performance and Condition Ratios
| 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 | 5.0994% | 6,648 |
| Cost of funding earning assets | 1.1790% | 7,341 |
| Net interest margin | 3.9204% | 2,973 |
| Noninterest income to average assets | 0.9541% | 1,623 |
| Noninterest expense to average assets | 2.3111% | 6,501 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4347% | 1,070 |
| Return on assets (ROA) | 1.4347% | 1,153 |
| Pretax return on assets | 2.2207% | 422 |
| Return on Equity (ROE) | 14.4750% | 1,075 |
| Retained earnings to average equity (ytd only) | 14.4750% | 472 |
| Net charge-offs to loans | 0.0277% | 5,140 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 108.8919% | 403 |
| Efficiency ratio | 49.5500% | 7,617 |
| Assets per employee ($millions) | 6.1734% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 2,736 |
| Loan loss allowance to noncurrent loans | 294.7462% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 5,382 |
| Noncurrent loans to loans | 0.5243% | 6,111 |
| Net loans and leases to total assets | 72.6122% | 3,091 |
| Net loans and leases to deposits | 94.6438% | 2,161 |
| Net loans and leases to core deposits | 116.3667% | 2,765 |
| Total domestic deposits to total assets | 76.7216% | 6,355 |
| Equity capital to assets | 10.1260% | 3,858 |
| Core capital (leverage) ratio | 9.7923% | 3,642 |
| Tier 1 risk-based capital ratio | 11.0277% | 5,889 |
| Total risk-based capital ratio | 12.2781% | 5,785 |
| Memoranda: | ||
| Average total assets | $725,705,500 | 965 |
| Average earning assets | $662,276,000 | 966 |
| Average equity | $71,931,000 | 932 |
| Average total loans | $533,792,500 | 937 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6809% | 6,834 |
| Cost of funding earning assets | 1.9569% | 6,547 |
| Net interest margin | 3.7241% | 4,365 |
| Noninterest income to average assets | 0.9599% | 1,725 |
| Noninterest expense to average assets | 2.4367% | 6,270 |
| Loan and lease loss provision to assets | 0.3888% | 3,356 |
| Net operating income to assets | 0.9977% | 2,569 |
| Return on assets (ROA) | 0.9977% | 2,447 |
| Pretax return on assets | 1.5096% | 1,658 |
| Return on Equity (ROE) | 10.8341% | 1,955 |
| Retained earnings to average equity (ytd only) | 10.8341% | 344 |
| Net charge-offs to loans | 0.4754% | 2,457 |
| Credit loss provision to net charge-offs | 113.7510% | 4,744 |
| Earnings coverage of net charge-offs (x) | 5.5537% | 3,610 |
| Efficiency ratio | 54.6837% | 7,188 |
| Assets per employee ($millions) | 6.1790% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5726% | 2,353 |
| Loan loss allowance to noncurrent loans | 234.6652% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.5061% | 5,667 |
| Noncurrent loans to loans | 0.6702% | 5,355 |
| Net loans and leases to total assets | 72.2028% | 3,536 |
| Net loans and leases to deposits | 99.7876% | 1,850 |
| Net loans and leases to core deposits | 126.2194% | 2,146 |
| Total domestic deposits to total assets | 72.3565% | 6,935 |
| Equity capital to assets | 9.6961% | 4,427 |
| Core capital (leverage) ratio | 9.5256% | 3,981 |
| Tier 1 risk-based capital ratio | 10.7270% | 5,976 |
| Total risk-based capital ratio | 11.9761% | 5,886 |
| Memoranda: | ||
| Average total assets | $719,044,800 | 929 |
| Average earning assets | $651,708,200 | 931 |
| Average equity | $66,217,000 | 1,007 |
| Average total loans | $517,059,400 | 919 |