Home > Bank of Minto > Performance and Condition Ratios
Bank of Minto, Performance and Condition Ratios
| 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 | 5.1489% | 5,883 |
| Cost of funding earning assets | 1.1972% | 6,668 |
| Net interest margin | 3.9517% | 3,071 |
| Noninterest income to average assets | 0.2879% | 6,052 |
| Noninterest expense to average assets | 2.3876% | 6,502 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.5070% | 664 |
| Return on assets (ROA) | 1.5070% | 713 |
| Pretax return on assets | 1.6171% | 927 |
| Return on Equity (ROE) | 12.7562% | 1,013 |
| Retained earnings to average equity (ytd only) | 3.6190% | 2,650 |
| Net charge-offs to loans | -0.0088% | 7,741 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6195% | 6,538 |
| Assets per employee ($millions) | 3.1051% | 5,977 |
| Cash dividends to net income (ytd only)* | 71.6292% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7877% | 2,590 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.9863% | 5,137 |
| Noncurrent loans to loans | 1.7877% | 3,961 |
| Net loans and leases to total assets | 43.3477% | 7,156 |
| Net loans and leases to deposits | 49.1488% | 7,307 |
| Net loans and leases to core deposits | 53.7620% | 7,475 |
| Total domestic deposits to total assets | 88.1969% | 1,885 |
| Equity capital to assets | 11.2073% | 2,526 |
| Core capital (leverage) ratio | 11.3663% | 2,000 |
| Tier 1 risk-based capital ratio | 21.8515% | 1,171 |
| Total risk-based capital ratio | 23.1027% | 1,147 |
| Memoranda: | ||
| Average total assets | $23,622,400 | 7,678 |
| Average earning assets | $22,218,200 | 7,647 |
| Average equity | $2,790,800 | 7,651 |
| Average total loans | $11,397,200 | 7,635 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2008% | 5,873 |
| Cost of funding earning assets | 1.2383% | 6,765 |
| Net interest margin | 3.9625% | 2,983 |
| Noninterest income to average assets | 0.2802% | 6,230 |
| Noninterest expense to average assets | 2.3901% | 6,446 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5267% | 769 |
| Return on assets (ROA) | 1.5267% | 821 |
| Pretax return on assets | 1.6411% | 1,090 |
| Return on Equity (ROE) | 12.7481% | 1,158 |
| Retained earnings to average equity (ytd only) | 10.1221% | 620 |
| Net charge-offs to loans | -0.0232% | 7,776 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2908% | 6,516 |
| Assets per employee ($millions) | 2.7889% | 6,663 |
| Cash dividends to net income (ytd only)* | 20.5989% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 2,842 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 1.1026% | 4,875 |
| Noncurrent loans to loans | 1.6419% | 4,184 |
| Net loans and leases to total assets | 52.8932% | 6,513 |
| Net loans and leases to deposits | 61.3964% | 6,727 |
| Net loans and leases to core deposits | 68.0330% | 7,072 |
| Total domestic deposits to total assets | 86.1503% | 2,616 |
| Equity capital to assets | 13.0160% | 1,688 |
| Core capital (leverage) ratio | 12.1826% | 1,715 |
| Tier 1 risk-based capital ratio | 23.3885% | 1,063 |
| Total risk-based capital ratio | 24.6407% | 1,036 |
| Memoranda: | ||
| Average total assets | $23,317,750 | 7,758 |
| Average earning assets | $22,073,000 | 7,718 |
| Average equity | $2,792,500 | 7,721 |
| Average total loans | $11,505,500 | 7,702 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1021% | 6,428 |
| Cost of funding earning assets | 1.2464% | 6,973 |
| Net interest margin | 3.8557% | 3,315 |
| Noninterest income to average assets | 0.2621% | 6,401 |
| Noninterest expense to average assets | 2.2576% | 6,898 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5220% | 803 |
| Return on assets (ROA) | 1.5220% | 856 |
| Pretax return on assets | 1.6404% | 1,130 |
| Return on Equity (ROE) | 13.0656% | 1,171 |
| Retained earnings to average equity (ytd only) | 10.8880% | 581 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9176% | 6,877 |
| Assets per employee ($millions) | 2.8626% | 6,487 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7403% | 2,207 |
| Loan loss allowance to noncurrent loans | 367.9245% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 6,334 |
| Noncurrent loans to loans | 0.4730% | 6,341 |
| Net loans and leases to total assets | 48.0765% | 7,025 |
| Net loans and leases to deposits | 55.2988% | 7,200 |
| Net loans and leases to core deposits | 60.1639% | 7,446 |
| Total domestic deposits to total assets | 86.9394% | 2,284 |
| Equity capital to assets | 12.3182% | 2,019 |
| Core capital (leverage) ratio | 12.1399% | 1,777 |
| Tier 1 risk-based capital ratio | 19.9326% | 1,594 |
| Total risk-based capital ratio | 20.9139% | 1,602 |
| Memoranda: | ||
| Average total assets | $23,653,330 | 7,830 |
| Average earning assets | $22,304,670 | 7,778 |
| Average equity | $2,755,330 | 7,804 |
| Average total loans | $11,341,330 | 7,794 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1358% | 6,540 |
| Cost of funding earning assets | 1.2795% | 7,083 |
| Net interest margin | 3.8563% | 3,225 |
| Noninterest income to average assets | 0.2330% | 6,602 |
| Noninterest expense to average assets | 2.2306% | 6,757 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5148% | 912 |
| Return on assets (ROA) | 1.5148% | 982 |
| Pretax return on assets | 1.6147% | 1,371 |
| Return on Equity (ROE) | 13.3701% | 1,297 |
| Retained earnings to average equity (ytd only) | 13.3701% | 585 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0087% | 6,701 |
| Assets per employee ($millions) | 2.8221% | 6,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8403% | 1,757 |
| Loan loss allowance to noncurrent loans | 240.7407% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 6,431 |
| Noncurrent loans to loans | 0.7644% | 5,520 |
| Net loans and leases to total assets | 46.0690% | 7,183 |
| Net loans and leases to deposits | 52.9717% | 7,343 |
| Net loans and leases to core deposits | 57.3690% | 7,549 |
| Total domestic deposits to total assets | 86.9690% | 2,232 |
| Equity capital to assets | 12.2736% | 2,094 |
| Core capital (leverage) ratio | 11.4735% | 2,163 |
| Tier 1 risk-based capital ratio | 23.9134% | 1,096 |
| Total risk-based capital ratio | 25.1706% | 1,066 |
| Memoranda: | ||
| Average total assets | $24,029,500 | 7,866 |
| Average earning assets | $22,508,500 | 7,821 |
| Average equity | $2,722,500 | 7,866 |
| Average total loans | $11,409,500 | 7,837 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7062% | 6,755 |
| Cost of funding earning assets | 1.7464% | 7,142 |
| Net interest margin | 3.9598% | 3,309 |
| Noninterest income to average assets | 0.2944% | 6,355 |
| Noninterest expense to average assets | 2.3340% | 6,608 |
| Loan and lease loss provision to assets | 0.1051% | 6,028 |
| Net operating income to assets | 1.4551% | 1,116 |
| Return on assets (ROA) | 1.4551% | 1,066 |
| Pretax return on assets | 1.5644% | 1,503 |
| Return on Equity (ROE) | 12.8912% | 1,359 |
| Retained earnings to average equity (ytd only) | 2.5708% | 3,587 |
| Net charge-offs to loans | 0.1973% | 4,219 |
| Credit loss provision to net charge-offs | 113.6364% | 4,749 |
| Earnings coverage of net charge-offs (x) | 18.0455% | 1,727 |
| Efficiency ratio | 58.2983% | 6,644 |
| Assets per employee ($millions) | 3.1853% | 5,527 |
| Cash dividends to net income (ytd only)* | 80.0578% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 2,264 |
| Loan loss allowance to noncurrent loans | 243.7500% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 6,353 |
| Noncurrent loans to loans | 0.6545% | 5,404 |
| Net loans and leases to total assets | 47.2019% | 7,242 |
| Net loans and leases to deposits | 53.1507% | 7,481 |
| Net loans and leases to core deposits | 57.2271% | 7,700 |
| Total domestic deposits to total assets | 88.8078% | 1,108 |
| Equity capital to assets | 10.4937% | 3,510 |
| Core capital (leverage) ratio | 11.5274% | 2,239 |
| Tier 1 risk-based capital ratio | 20.1868% | 1,586 |
| Total risk-based capital ratio | 21.4426% | 1,555 |
| Memoranda: | ||
| Average total assets | $23,779,000 | 7,880 |
| Average earning assets | $22,274,000 | 7,852 |
| Average equity | $2,684,000 | 7,933 |
| Average total loans | $11,147,800 | 7,883 |