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Two Rivers Bank & Trust, Performance and Condition Ratios
| 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 | 5.0250% | 6,687 |
| Cost of funding earning assets | 1.4284% | 6,383 |
| Net interest margin | 3.5966% | 4,375 |
| Noninterest income to average assets | 1.4909% | 668 |
| Noninterest expense to average assets | 3.1514% | 3,496 |
| Loan and lease loss provision to assets | 0.3194% | 4,029 |
| Net operating income to assets | 0.8775% | 2,551 |
| Return on assets (ROA) | 0.8775% | 2,654 |
| Pretax return on assets | 1.3162% | 1,970 |
| Return on Equity (ROE) | 9.0384% | 2,348 |
| Retained earnings to average equity (ytd only) | -2.7129% | 5,910 |
| Net charge-offs to loans | 0.1740% | 4,492 |
| Credit loss provision to net charge-offs | 280.0000% | 1,668 |
| Earnings coverage of net charge-offs (x) | 14.3371% | 1,664 |
| Efficiency ratio | 65.8042% | 5,579 |
| Assets per employee ($millions) | 3.9433% | 3,791 |
| Cash dividends to net income (ytd only)* | 130.0149% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 4,778 |
| Loan loss allowance to noncurrent loans | 205.2369% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.5871% | 5,952 |
| Noncurrent loans to loans | 0.5974% | 6,062 |
| Net loans and leases to total assets | 63.0517% | 5,172 |
| Net loans and leases to deposits | 86.3221% | 3,491 |
| Net loans and leases to core deposits | 97.9876% | 4,700 |
| Total domestic deposits to total assets | 73.0423% | 7,106 |
| Equity capital to assets | 9.4223% | 4,716 |
| Core capital (leverage) ratio | 8.0355% | 6,261 |
| Tier 1 risk-based capital ratio | 11.8588% | 5,037 |
| Total risk-based capital ratio | 13.0315% | 5,035 |
| Memoranda: | ||
| Average total assets | $306,788,670 | 2,220 |
| Average earning assets | $281,156,330 | 2,215 |
| Average equity | $29,784,000 | 2,279 |
| Average total loans | $201,170,330 | 2,342 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 6,533 |
| Cost of funding earning assets | 1.4458% | 6,592 |
| Net interest margin | 3.6914% | 3,928 |
| Noninterest income to average assets | 1.4297% | 688 |
| Noninterest expense to average assets | 3.0669% | 3,501 |
| Loan and lease loss provision to assets | 0.0595% | 6,214 |
| Net operating income to assets | 1.1003% | 1,962 |
| Return on assets (ROA) | 1.1003% | 2,086 |
| Pretax return on assets | 1.6664% | 1,253 |
| Return on Equity (ROE) | 11.1625% | 1,922 |
| Retained earnings to average equity (ytd only) | -8.9622% | 7,010 |
| Net charge-offs to loans | 0.2904% | 2,953 |
| Credit loss provision to net charge-offs | 30.8219% | 4,941 |
| Earnings coverage of net charge-offs (x) | 8.9384% | 2,126 |
| Efficiency ratio | 63.9349% | 5,700 |
| Assets per employee ($millions) | 3.8762% | 3,928 |
| Cash dividends to net income (ytd only)* | 180.2885% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 5,869 |
| Loan loss allowance to noncurrent loans | 418.1263% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 6,303 |
| Noncurrent loans to loans | 0.2485% | 6,828 |
| Net loans and leases to total assets | 60.7737% | 5,541 |
| Net loans and leases to deposits | 80.0507% | 4,602 |
| Net loans and leases to core deposits | 90.8332% | 5,470 |
| Total domestic deposits to total assets | 75.9190% | 6,528 |
| Equity capital to assets | 9.1684% | 5,121 |
| Core capital (leverage) ratio | 7.7945% | 6,755 |
| Tier 1 risk-based capital ratio | 11.3770% | 5,527 |
| Total risk-based capital ratio | 12.3225% | 5,739 |
| Memoranda: | ||
| Average total assets | $302,450,500 | 2,252 |
| Average earning assets | $275,558,500 | 2,261 |
| Average equity | $29,814,000 | 2,294 |
| Average total loans | $201,068,000 | 2,356 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7929% | 6,456 |
| Cost of funding earning assets | 2.1182% | 5,973 |
| Net interest margin | 3.6747% | 4,584 |
| Noninterest income to average assets | 5.1514% | 124 |
| Noninterest expense to average assets | 5.8656% | 424 |
| Loan and lease loss provision to assets | 0.0688% | 6,530 |
| Net operating income to assets | 1.5996% | 837 |
| Return on assets (ROA) | 1.4974% | 985 |
| Pretax return on assets | 2.2803% | 330 |
| Return on Equity (ROE) | 13.5441% | 1,202 |
| Retained earnings to average equity (ytd only) | 7.9619% | 854 |
| Net charge-offs to loans | 0.0478% | 6,104 |
| Credit loss provision to net charge-offs | 209.6774% | 2,304 |
| Earnings coverage of net charge-offs (x) | 76.3441% | 535 |
| Efficiency ratio | 69.9435% | 4,365 |
| Assets per employee ($millions) | 3.4118% | 4,910 |
| Cash dividends to net income (ytd only)* | 41.2153% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 5,602 |
| Loan loss allowance to noncurrent loans | 338.6792% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 5,500 |
| Noncurrent loans to loans | 0.3109% | 6,447 |
| Net loans and leases to total assets | 71.4766% | 3,690 |
| Net loans and leases to deposits | 91.5413% | 3,210 |
| Net loans and leases to core deposits | 102.6498% | 4,535 |
| Total domestic deposits to total assets | 78.0813% | 5,685 |
| Equity capital to assets | 10.6403% | 3,354 |
| Core capital (leverage) ratio | 9.1126% | 4,576 |
| Tier 1 risk-based capital ratio | 12.2692% | 4,613 |
| Total risk-based capital ratio | 13.3109% | 4,658 |
| Memoranda: | ||
| Average total assets | $283,553,600 | 2,295 |
| Average earning assets | $248,321,600 | 2,383 |
| Average equity | $31,349,400 | 2,154 |
| Average total loans | $194,407,400 | 2,353 |