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Butler 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 | 5.3794% | 3,142 |
| Cost of funding earning assets | 2.6815% | 127 |
| Net interest margin | 2.6979% | 7,305 |
| Noninterest income to average assets | -0.9347% | 7,896 |
| Noninterest expense to average assets | 4.6904% | 480 |
| Loan and lease loss provision to assets | 5.9958% | 117 |
| Net operating income to assets | -9.5646% | 7,893 |
| Return on assets (ROA) | -9.2717% | 7,888 |
| Pretax return on assets | -9.2717% | 7,883 |
| Return on Equity (ROE) | -863.8607% | 7,925 |
| Retained earnings to average equity (ytd only) | -863.8607% | 7,925 |
| Net charge-offs to loans | 8.7258% | 74 |
| Credit loss provision to net charge-offs | 93.4904% | 3,579 |
| Earnings coverage of net charge-offs (x) | -0.5565% | 5,300 |
| Efficiency ratio | 418.1944% | 22 |
| Assets per employee ($millions) | 4.2333% | 3,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9733% | 6,583 |
| Loan loss allowance to noncurrent loans | 12.3970% | 7,279 |
| Noncurrent assets plus other real estate owned to assets | 13.4735% | 190 |
| Noncurrent loans to loans | 7.8514% | 697 |
| Net loans and leases to total assets | 72.3061% | 2,385 |
| Net loans and leases to deposits | 78.0653% | 4,026 |
| Net loans and leases to core deposits | 85.2735% | 3,996 |
| Total domestic deposits to total assets | 92.6226% | 155 |
| Equity capital to assets | -0.1104% | 7,918 |
| Core capital (leverage) ratio | -0.1053% | 7,919 |
| Tier 1 risk-based capital ratio | -0.1486% | 7,919 |
| Total risk-based capital ratio | -0.1486% | 7,919 |
| Memoranda: | ||
| Average total assets | $256,780,500 | 2,588 |
| Average earning assets | $195,709,000 | 3,051 |
| Average equity | $2,756,000 | 7,565 |
| Average total loans | $188,728,500 | 2,392 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0480% | 6,277 |
| Cost of funding earning assets | 3.0495% | 202 |
| Net interest margin | 1.9985% | 7,746 |
| Noninterest income to average assets | -0.3581% | 7,907 |
| Noninterest expense to average assets | 3.8649% | 1,560 |
| Loan and lease loss provision to assets | 1.0841% | 2,104 |
| Net operating income to assets | -3.1338% | 7,429 |
| Return on assets (ROA) | -3.1338% | 7,433 |
| Pretax return on assets | -3.5913% | 7,442 |
| Return on Equity (ROE) | -100.2560% | 7,928 |
| Retained earnings to average equity (ytd only) | -100.2560% | 7,928 |
| Net charge-offs to loans | 2.3561% | 978 |
| Credit loss provision to net charge-offs | 59.4569% | 6,647 |
| Earnings coverage of net charge-offs (x) | -1.3751% | 6,940 |
| Efficiency ratio | 284.6653% | 68 |
| Assets per employee ($millions) | 4.6212% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 6,286 |
| Loan loss allowance to noncurrent loans | 7.6155% | 7,398 |
| Noncurrent assets plus other real estate owned to assets | 16.8136% | 99 |
| Noncurrent loans to loans | 13.3381% | 226 |
| Net loans and leases to total assets | 73.1878% | 2,454 |
| Net loans and leases to deposits | 84.1100% | 3,238 |
| Net loans and leases to core deposits | 121.6515% | 1,814 |
| Total domestic deposits to total assets | 87.0144% | 2,500 |
| Equity capital to assets | 2.1576% | 7,955 |
| Core capital (leverage) ratio | 2.0976% | 7,949 |
| Tier 1 risk-based capital ratio | 2.8024% | 7,952 |
| Total risk-based capital ratio | 3.7953% | 7,960 |
| Memoranda: | ||
| Average total assets | $294,909,800 | 2,247 |
| Average earning assets | $253,187,400 | 2,377 |
| Average equity | $9,218,400 | 5,543 |
| Average total loans | $228,212,800 | 2,038 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9605% | 6,733 |
| Cost of funding earning assets | 3.1524% | 214 |
| Net interest margin | 1.8081% | 7,882 |
| Noninterest income to average assets | -0.3877% | 8,029 |
| Noninterest expense to average assets | 3.8293% | 1,541 |
| Loan and lease loss provision to assets | 1.4132% | 1,364 |
| Net operating income to assets | -3.8939% | 7,734 |
| Return on assets (ROA) | -3.8939% | 7,736 |
| Pretax return on assets | -4.0481% | 7,696 |
| Return on Equity (ROE) | -116.5501% | 8,037 |
| Retained earnings to average equity (ytd only) | -116.5501% | 8,036 |
| Net charge-offs to loans | 2.8592% | 610 |
| Credit loss provision to net charge-offs | 63.2443% | 6,117 |
| Earnings coverage of net charge-offs (x) | -1.1792% | 6,653 |
| Efficiency ratio | 320.6144% | 61 |
| Assets per employee ($millions) | 4.4794% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 5,799 |
| Loan loss allowance to noncurrent loans | 7.2737% | 7,487 |
| Noncurrent assets plus other real estate owned to assets | 17.6555% | 71 |
| Noncurrent loans to loans | 14.9642% | 145 |
| Net loans and leases to total assets | 77.6557% | 1,642 |
| Net loans and leases to deposits | 89.3481% | 2,707 |
| Net loans and leases to core deposits | 129.6551% | 1,455 |
| Total domestic deposits to total assets | 86.9136% | 2,221 |
| Equity capital to assets | 2.2430% | 8,049 |
| Core capital (leverage) ratio | 1.7291% | 8,055 |
| Tier 1 risk-based capital ratio | 2.2035% | 8,056 |
| Total risk-based capital ratio | 3.2678% | 8,061 |
| Memoranda: | ||
| Average total assets | $301,630,500 | 2,218 |
| Average earning assets | $263,918,750 | 2,303 |
| Average equity | $10,077,250 | 5,316 |
| Average total loans | $235,722,000 | 2,014 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9652% | 6,884 |
| Cost of funding earning assets | 3.2556% | 229 |
| Net interest margin | 1.7096% | 7,964 |
| Noninterest income to average assets | -0.6410% | 8,138 |
| Noninterest expense to average assets | 3.5771% | 2,132 |
| Loan and lease loss provision to assets | 2.0553% | 784 |
| Net operating income to assets | -4.5382% | 7,898 |
| Return on assets (ROA) | -4.5382% | 7,897 |
| Pretax return on assets | -4.7626% | 7,833 |
| Return on Equity (ROE) | -123.9146% | 8,104 |
| Retained earnings to average equity (ytd only) | -123.9146% | 8,103 |
| Net charge-offs to loans | 3.8486% | 377 |
| Credit loss provision to net charge-offs | 68.4289% | 5,446 |
| Earnings coverage of net charge-offs (x) | -0.9013% | 6,207 |
| Efficiency ratio | 411.2343% | 53 |
| Assets per employee ($millions) | 4.5792% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 4,978 |
| Loan loss allowance to noncurrent loans | 6.9573% | 7,530 |
| Noncurrent assets plus other real estate owned to assets | 18.4481% | 56 |
| Noncurrent loans to loans | 17.1816% | 92 |
| Net loans and leases to total assets | 76.6569% | 2,022 |
| Net loans and leases to deposits | 88.0550% | 3,160 |
| Net loans and leases to core deposits | 134.1472% | 1,309 |
| Total domestic deposits to total assets | 87.0557% | 2,226 |
| Equity capital to assets | 2.5755% | 8,130 |
| Core capital (leverage) ratio | 2.0892% | 8,145 |
| Tier 1 risk-based capital ratio | 2.6962% | 8,143 |
| Total risk-based capital ratio | 3.8576% | 8,145 |
| Memoranda: | ||
| Average total assets | $311,092,000 | 2,191 |
| Average earning assets | $274,910,670 | 2,251 |
| Average equity | $11,393,330 | 4,978 |
| Average total loans | $242,787,330 | 1,986 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8460% | 7,297 |
| Cost of funding earning assets | 3.3989% | 199 |
| Net interest margin | 1.4471% | 8,072 |
| Noninterest income to average assets | -0.3037% | 8,182 |
| Noninterest expense to average assets | 3.3714% | 2,443 |
| Loan and lease loss provision to assets | 0.7410% | 1,737 |
| Net operating income to assets | -2.6866% | 7,799 |
| Return on assets (ROA) | -2.6866% | 7,796 |
| Pretax return on assets | -3.1227% | 7,783 |
| Return on Equity (ROE) | -64.5840% | 8,099 |
| Retained earnings to average equity (ytd only) | -64.5840% | 8,084 |
| Net charge-offs to loans | 0.3705% | 2,608 |
| Credit loss provision to net charge-offs | 255.6034% | 1,842 |
| Earnings coverage of net charge-offs (x) | -8.2155% | 5,606 |
| Efficiency ratio | 340.6566% | 66 |
| Assets per employee ($millions) | 4.5144% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7645% | 1,943 |
| Loan loss allowance to noncurrent loans | 8.4523% | 7,528 |
| Noncurrent assets plus other real estate owned to assets | 19.5061% | 35 |
| Noncurrent loans to loans | 20.8755% | 41 |
| Net loans and leases to total assets | 76.6738% | 2,120 |
| Net loans and leases to deposits | 88.8762% | 3,129 |
| Net loans and leases to core deposits | 134.9207% | 1,363 |
| Total domestic deposits to total assets | 86.2703% | 2,575 |
| Equity capital to assets | 3.8638% | 8,167 |
| Core capital (leverage) ratio | 3.4046% | 8,191 |
| Tier 1 risk-based capital ratio | 4.4163% | 8,191 |
| Total risk-based capital ratio | 5.6726% | 8,191 |
| Memoranda: | ||
| Average total assets | $320,102,500 | 2,164 |
| Average earning assets | $286,091,000 | 2,207 |
| Average equity | $13,316,000 | 4,499 |
| Average total loans | $250,492,500 | 1,962 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9380% | 5,866 |
| Cost of funding earning assets | 3.4662% | 572 |
| Net interest margin | 2.4717% | 7,787 |
| Noninterest income to average assets | -0.3584% | 8,252 |
| Noninterest expense to average assets | 3.1731% | 3,437 |
| Loan and lease loss provision to assets | 3.3977% | 246 |
| Net operating income to assets | -3.9971% | 7,988 |
| Return on assets (ROA) | -4.3363% | 8,016 |
| Pretax return on assets | -5.0707% | 8,032 |
| Return on Equity (ROE) | -57.0433% | 8,188 |
| Retained earnings to average equity (ytd only) | -58.0732% | 8,179 |
| Net charge-offs to loans | 3.3179% | 247 |
| Credit loss provision to net charge-offs | 126.1663% | 4,231 |
| Earnings coverage of net charge-offs (x) | -0.4748% | 6,476 |
| Efficiency ratio | 167.4836% | 287 |
| Assets per employee ($millions) | 4.5027% | 2,613 |
| Cash dividends to net income (ytd only)* | -1.8056% | 7,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 2,072 |
| Loan loss allowance to noncurrent loans | 8.2691% | 7,524 |
| Noncurrent assets plus other real estate owned to assets | 18.9537% | 33 |
| Noncurrent loans to loans | 19.9369% | 36 |
| Net loans and leases to total assets | 77.1583% | 2,338 |
| Net loans and leases to deposits | 94.4967% | 2,688 |
| Net loans and leases to core deposits | 148.0755% | 936 |
| Total domestic deposits to total assets | 81.6518% | 4,342 |
| Equity capital to assets | 4.4485% | 8,232 |
| Core capital (leverage) ratio | 4.0747% | 8,256 |
| Tier 1 risk-based capital ratio | 5.0279% | 8,264 |
| Total risk-based capital ratio | 6.2822% | 8,264 |
| Memoranda: | ||
| Average total assets | $329,517,600 | 2,027 |
| Average earning assets | $300,354,400 | 2,036 |
| Average equity | $25,049,400 | 2,634 |
| Average total loans | $267,457,200 | 1,786 |