Home > Bank of Elmwood > Performance and Condition Ratios
Bank of Elmwood, Performance and Condition Ratios
| 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 | 5.5214% | 4,313 |
| Cost of funding earning assets | 2.5950% | 1,045 |
| Net interest margin | 2.9264% | 6,787 |
| Noninterest income to average assets | 0.2068% | 6,745 |
| Noninterest expense to average assets | 3.8058% | 1,580 |
| Loan and lease loss provision to assets | 0.9308% | 2,068 |
| Net operating income to assets | -1.7965% | 7,235 |
| Return on assets (ROA) | -1.7152% | 7,197 |
| Pretax return on assets | -1.7152% | 7,053 |
| Return on Equity (ROE) | -54.8685% | 7,868 |
| Retained earnings to average equity (ytd only) | -54.8685% | 7,862 |
| Net charge-offs to loans | 1.5040% | 1,360 |
| Credit loss provision to net charge-offs | 70.5900% | 5,972 |
| Earnings coverage of net charge-offs (x) | -0.6565% | 6,544 |
| Efficiency ratio | 129.4451% | 483 |
| Assets per employee ($millions) | 4.0931% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0857% | 278 |
| Loan loss allowance to noncurrent loans | 34.7816% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 12.0534% | 222 |
| Noncurrent loans to loans | 11.7468% | 284 |
| Net loans and leases to total assets | 82.4758% | 746 |
| Net loans and leases to deposits | 99.0029% | 1,211 |
| Net loans and leases to core deposits | 148.1196% | 626 |
| Total domestic deposits to total assets | 83.3065% | 4,064 |
| Equity capital to assets | 2.2706% | 8,048 |
| Core capital (leverage) ratio | 2.1580% | 8,046 |
| Tier 1 risk-based capital ratio | 2.9377% | 8,047 |
| Total risk-based capital ratio | 4.2309% | 8,049 |
| Memoranda: | ||
| Average total assets | $335,896,250 | 2,040 |
| Average earning assets | $313,728,250 | 2,007 |
| Average equity | $10,500,000 | 5,202 |
| Average total loans | $294,492,750 | 1,648 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6453% | 3,842 |
| Cost of funding earning assets | 2.5898% | 1,315 |
| Net interest margin | 3.0555% | 6,378 |
| Noninterest income to average assets | 0.7658% | 2,616 |
| Noninterest expense to average assets | 3.8150% | 1,631 |
| Loan and lease loss provision to assets | 0.4659% | 3,191 |
| Net operating income to assets | -0.6708% | 6,724 |
| Return on assets (ROA) | -0.5279% | 6,584 |
| Pretax return on assets | -0.5249% | 6,454 |
| Return on Equity (ROE) | -15.5186% | 7,354 |
| Retained earnings to average equity (ytd only) | -15.5186% | 7,268 |
| Net charge-offs to loans | 1.2169% | 1,508 |
| Credit loss provision to net charge-offs | 43.3993% | 5,855 |
| Earnings coverage of net charge-offs (x) | -0.1881% | 5,874 |
| Efficiency ratio | 105.5891% | 979 |
| Assets per employee ($millions) | 4.2129% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9590% | 269 |
| Loan loss allowance to noncurrent loans | 34.0581% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 11.7299% | 196 |
| Noncurrent loans to loans | 11.6243% | 245 |
| Net loans and leases to total assets | 82.4228% | 878 |
| Net loans and leases to deposits | 99.9166% | 1,296 |
| Net loans and leases to core deposits | 140.5860% | 985 |
| Total domestic deposits to total assets | 82.4917% | 4,484 |
| Equity capital to assets | 3.0953% | 8,116 |
| Core capital (leverage) ratio | 2.9954% | 8,127 |
| Tier 1 risk-based capital ratio | 4.0752% | 8,123 |
| Total risk-based capital ratio | 5.3661% | 8,123 |
| Memoranda: | ||
| Average total assets | $338,713,670 | 2,043 |
| Average earning assets | $315,627,330 | 2,019 |
| Average equity | $11,521,670 | 4,946 |
| Average total loans | $298,801,670 | 1,659 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8584% | 2,991 |
| Cost of funding earning assets | 2.6199% | 1,499 |
| Net interest margin | 3.2385% | 5,728 |
| Noninterest income to average assets | 0.1296% | 7,363 |
| Noninterest expense to average assets | 2.0709% | 7,189 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0631% | 2,097 |
| Return on assets (ROA) | 1.1120% | 2,042 |
| Pretax return on assets | 1.1179% | 2,919 |
| Return on Equity (ROE) | 31.2932% | 88 |
| Retained earnings to average equity (ytd only) | 31.2932% | 47 |
| Net charge-offs to loans | 0.2016% | 3,427 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.9281% | 2,580 |
| Efficiency ratio | 65.9662% | 5,342 |
| Assets per employee ($millions) | 4.0594% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1130% | 202 |
| Loan loss allowance to noncurrent loans | 47.5212% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 8.5232% | 321 |
| Noncurrent loans to loans | 8.6551% | 386 |
| Net loans and leases to total assets | 85.2945% | 522 |
| Net loans and leases to deposits | 104.2474% | 993 |
| Net loans and leases to core deposits | 142.3980% | 990 |
| Total domestic deposits to total assets | 81.8193% | 4,627 |
| Equity capital to assets | 3.7922% | 8,172 |
| Core capital (leverage) ratio | 3.5353% | 8,183 |
| Tier 1 risk-based capital ratio | 4.7098% | 8,185 |
| Total risk-based capital ratio | 6.0043% | 8,179 |
| Memoranda: | ||
| Average total assets | $339,556,500 | 2,048 |
| Average earning assets | $315,581,500 | 2,024 |
| Average equity | $12,066,500 | 4,816 |
| Average total loans | $303,583,000 | 1,646 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4712% | 3,110 |
| Cost of funding earning assets | 2.9781% | 1,949 |
| Net interest margin | 3.4931% | 5,320 |
| Noninterest income to average assets | 0.4136% | 5,362 |
| Noninterest expense to average assets | 3.5061% | 2,381 |
| Loan and lease loss provision to assets | 4.3053% | 142 |
| Net operating income to assets | -4.1214% | 8,001 |
| Return on assets (ROA) | -4.0600% | 7,984 |
| Pretax return on assets | -4.0545% | 7,900 |
| Return on Equity (ROE) | -64.9735% | 8,221 |
| Retained earnings to average equity (ytd only) | -66.7828% | 8,218 |
| Net charge-offs to loans | 2.0912% | 508 |
| Credit loss provision to net charge-offs | 238.7246% | 1,978 |
| Earnings coverage of net charge-offs (x) | 0.1051% | 6,182 |
| Efficiency ratio | 94.8733% | 1,229 |
| Assets per employee ($millions) | 3.3547% | 5,080 |
| Cash dividends to net income (ytd only)* | -2.7848% | 7,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0594% | 178 |
| Loan loss allowance to noncurrent loans | 56.8119% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 7.0851% | 365 |
| Noncurrent loans to loans | 7.1454% | 418 |
| Net loans and leases to total assets | 86.2039% | 580 |
| Net loans and leases to deposits | 118.1260% | 441 |
| Net loans and leases to core deposits | 159.4043% | 587 |
| Total domestic deposits to total assets | 72.9762% | 6,833 |
| Equity capital to assets | 3.3187% | 8,272 |
| Core capital (leverage) ratio | 3.1370% | 8,273 |
| Tier 1 risk-based capital ratio | 4.2931% | 8,272 |
| Total risk-based capital ratio | 5.5898% | 8,273 |
| Memoranda: | ||
| Average total assets | $359,971,800 | 1,863 |
| Average earning assets | $338,206,000 | 1,819 |
| Average equity | $22,493,800 | 2,909 |
| Average total loans | $310,449,000 | 1,559 |