Home > The First National Bank of Greencastle > Performance and Condition Ratios
The First National Bank of Greencastle, Performance and Condition Ratios
| 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 | 6.4724% | 3,105 |
| Cost of funding earning assets | 2.0943% | 6,074 |
| Net interest margin | 4.3781% | 1,755 |
| Noninterest income to average assets | 0.8177% | 2,416 |
| Noninterest expense to average assets | 3.1815% | 3,409 |
| Loan and lease loss provision to assets | 0.2563% | 4,351 |
| Net operating income to assets | 0.9219% | 2,907 |
| Return on assets (ROA) | 0.9235% | 2,754 |
| Pretax return on assets | 1.2311% | 2,546 |
| Return on Equity (ROE) | 7.8740% | 3,122 |
| Retained earnings to average equity (ytd only) | 1.6085% | 4,247 |
| Net charge-offs to loans | 0.1554% | 4,641 |
| Credit loss provision to net charge-offs | 217.5633% | 2,207 |
| Earnings coverage of net charge-offs (x) | 12.6060% | 2,231 |
| Efficiency ratio | 66.7399% | 4,962 |
| Assets per employee ($millions) | 3.0860% | 5,820 |
| Cash dividends to net income (ytd only)* | 79.5721% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 5,376 |
| Loan loss allowance to noncurrent loans | 98.3316% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.9270% | 4,514 |
| Noncurrent loans to loans | 1.1044% | 4,351 |
| Net loans and leases to total assets | 77.5293% | 2,256 |
| Net loans and leases to deposits | 99.3661% | 1,928 |
| Net loans and leases to core deposits | 107.7065% | 3,997 |
| Total domestic deposits to total assets | 78.0239% | 5,703 |
| Equity capital to assets | 11.6260% | 2,551 |
| Core capital (leverage) ratio | 8.6296% | 5,323 |
| Tier 1 risk-based capital ratio | 11.6547% | 5,091 |
| Total risk-based capital ratio | 12.8668% | 5,029 |
| Memoranda: | ||
| Average total assets | $536,414,800 | 1,266 |
| Average earning assets | $471,602,600 | 1,312 |
| Average equity | $62,915,600 | 1,067 |
| Average total loans | $406,778,400 | 1,188 |