Home > Bay-Hermann-Berger Bank > Performance and Condition Ratios
Bay-Hermann-Berger Bank, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0708% | 4,232 |
| Cost of funding earning assets | 1.1896% | 4,624 |
| Net interest margin | 3.8812% | 3,581 |
| Noninterest income to average assets | 0.4426% | 4,576 |
| Noninterest expense to average assets | 2.8134% | 4,547 |
| Loan and lease loss provision to assets | 1.1547% | 1,372 |
| Net operating income to assets | 0.0110% | 5,807 |
| Return on assets (ROA) | 0.0110% | 5,938 |
| Pretax return on assets | 0.0416% | 5,808 |
| Return on Equity (ROE) | 0.1177% | 5,935 |
| Retained earnings to average equity (ytd only) | -4.2135% | 6,220 |
| Net charge-offs to loans | 0.7944% | 2,651 |
| Credit loss provision to net charge-offs | 234.2222% | 1,252 |
| Earnings coverage of net charge-offs (x) | 2.4267% | 3,917 |
| Efficiency ratio | 70.1639% | 4,143 |
| Assets per employee ($millions) | 2.5071% | 7,001 |
| Cash dividends to net income (ytd only)* | 3,680.0000% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2693% | 1,743 |
| Loan loss allowance to noncurrent loans | 19,800.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 6,074 |
| Noncurrent loans to loans | 0.0115% | 7,130 |
| Net loans and leases to total assets | 56.6854% | 5,232 |
| Net loans and leases to deposits | 62.1637% | 5,833 |
| Net loans and leases to core deposits | 63.7199% | 6,077 |
| Total domestic deposits to total assets | 91.1873% | 512 |
| Equity capital to assets | 8.6509% | 5,652 |
| Core capital (leverage) ratio | 8.6139% | 5,174 |
| Tier 1 risk-based capital ratio | 14.5481% | 3,511 |
| Total risk-based capital ratio | 15.8095% | 3,466 |
| Memoranda: | ||
| Average total assets | $45,639,400 | 6,678 |
| Average earning assets | $41,946,000 | 6,642 |
| Average equity | $4,248,200 | 6,902 |
| Average total loans | $28,322,400 | 6,483 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0424% | 4,616 |
| Cost of funding earning assets | 1.2243% | 4,720 |
| Net interest margin | 3.8181% | 3,891 |
| Noninterest income to average assets | 0.4253% | 4,760 |
| Noninterest expense to average assets | 2.7617% | 4,634 |
| Loan and lease loss provision to assets | 0.3379% | 3,902 |
| Net operating income to assets | 0.8186% | 2,924 |
| Return on assets (ROA) | 0.8186% | 3,068 |
| Pretax return on assets | 0.8507% | 3,730 |
| Return on Equity (ROE) | 8.6442% | 2,632 |
| Retained earnings to average equity (ytd only) | 4.2143% | 3,524 |
| Net charge-offs to loans | 0.0323% | 6,237 |
| Credit loss provision to net charge-offs | 1,657.1429% | 188 |
| Earnings coverage of net charge-offs (x) | 58.3055% | 497 |
| Efficiency ratio | 69.9115% | 4,087 |
| Assets per employee ($millions) | 2.6149% | 6,915 |
| Cash dividends to net income (ytd only)* | 51.2465% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 4,403 |
| Loan loss allowance to noncurrent loans | 1,670.8333% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 6,160 |
| Noncurrent loans to loans | 0.0844% | 7,025 |
| Net loans and leases to total assets | 59.5649% | 4,986 |
| Net loans and leases to deposits | 66.1492% | 5,654 |
| Net loans and leases to core deposits | 68.5075% | 5,890 |
| Total domestic deposits to total assets | 90.0463% | 855 |
| Equity capital to assets | 9.7434% | 4,478 |
| Core capital (leverage) ratio | 9.3921% | 4,069 |
| Tier 1 risk-based capital ratio | 14.4389% | 3,542 |
| Total risk-based capital ratio | 15.6898% | 3,516 |
| Memoranda: | ||
| Average total assets | $45,767,250 | 6,752 |
| Average earning assets | $42,254,000 | 6,714 |
| Average equity | $4,334,250 | 6,968 |
| Average total loans | $28,859,250 | 6,538 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0497% | 4,707 |
| Cost of funding earning assets | 1.2588% | 4,771 |
| Net interest margin | 3.7908% | 3,934 |
| Noninterest income to average assets | 0.4147% | 4,797 |
| Noninterest expense to average assets | 2.7353% | 4,759 |
| Loan and lease loss provision to assets | 0.4853% | 2,873 |
| Net operating income to assets | 0.6706% | 3,527 |
| Return on assets (ROA) | 0.6706% | 3,674 |
| Pretax return on assets | 0.7015% | 4,234 |
| Return on Equity (ROE) | 7.1524% | 3,231 |
| Retained earnings to average equity (ytd only) | 2.3057% | 4,691 |
| Net charge-offs to loans | 0.0414% | 5,797 |
| Credit loss provision to net charge-offs | 1,833.3333% | 219 |
| Earnings coverage of net charge-offs (x) | 44.8333% | 660 |
| Efficiency ratio | 69.7413% | 4,233 |
| Assets per employee ($millions) | 2.5458% | 7,038 |
| Cash dividends to net income (ytd only)* | 67.7632% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3906% | 4,471 |
| Loan loss allowance to noncurrent loans | 132.4415% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 5,862 |
| Noncurrent loans to loans | 1.0500% | 5,213 |
| Net loans and leases to total assets | 61.2801% | 4,828 |
| Net loans and leases to deposits | 67.7483% | 5,583 |
| Net loans and leases to core deposits | 68.5337% | 6,016 |
| Total domestic deposits to total assets | 90.4526% | 701 |
| Equity capital to assets | 9.3968% | 4,866 |
| Core capital (leverage) ratio | 9.3216% | 4,078 |
| Tier 1 risk-based capital ratio | 13.8839% | 3,813 |
| Total risk-based capital ratio | 15.1343% | 3,775 |
| Memoranda: | ||
| Average total assets | $45,333,670 | 6,819 |
| Average earning assets | $41,943,330 | 6,782 |
| Average equity | $4,250,330 | 7,029 |
| Average total loans | $29,000,000 | 6,579 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9438% | 5,257 |
| Cost of funding earning assets | 1.2550% | 5,088 |
| Net interest margin | 3.6888% | 4,308 |
| Noninterest income to average assets | 0.4170% | 4,758 |
| Noninterest expense to average assets | 2.8389% | 4,323 |
| Loan and lease loss provision to assets | 0.1065% | 5,563 |
| Net operating income to assets | 0.8960% | 2,557 |
| Return on assets (ROA) | 0.8960% | 2,631 |
| Pretax return on assets | 0.9138% | 3,417 |
| Return on Equity (ROE) | 9.5678% | 2,263 |
| Retained earnings to average equity (ytd only) | 5.3049% | 2,982 |
| Net charge-offs to loans | 0.0683% | 4,728 |
| Credit loss provision to net charge-offs | 240.0000% | 1,600 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,067 |
| Efficiency ratio | 73.5632% | 3,647 |
| Assets per employee ($millions) | 2.5383% | 7,142 |
| Cash dividends to net income (ytd only)* | 44.5545% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 6,427 |
| Loan loss allowance to noncurrent loans | 102.0478% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 5,917 |
| Noncurrent loans to loans | 0.9868% | 5,350 |
| Net loans and leases to total assets | 64.3350% | 4,254 |
| Net loans and leases to deposits | 71.0498% | 5,193 |
| Net loans and leases to core deposits | 71.0498% | 5,824 |
| Total domestic deposits to total assets | 90.5491% | 714 |
| Equity capital to assets | 9.3261% | 4,794 |
| Core capital (leverage) ratio | 9.6034% | 3,638 |
| Tier 1 risk-based capital ratio | 13.4702% | 4,003 |
| Total risk-based capital ratio | 14.4106% | 4,193 |
| Memoranda: | ||
| Average total assets | $45,088,500 | 6,907 |
| Average earning assets | $42,073,000 | 6,856 |
| Average equity | $4,222,500 | 7,105 |
| Average total loans | $29,261,500 | 6,647 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6491% | 3,355 |
| Cost of funding earning assets | 1.6335% | 4,873 |
| Net interest margin | 4.0157% | 2,805 |
| Noninterest income to average assets | 0.4952% | 4,454 |
| Noninterest expense to average assets | 3.1751% | 3,462 |
| Loan and lease loss provision to assets | 0.0329% | 7,204 |
| Net operating income to assets | 0.9131% | 2,137 |
| Return on assets (ROA) | 0.9176% | 2,183 |
| Pretax return on assets | 0.9669% | 2,704 |
| Return on Equity (ROE) | 9.8922% | 1,723 |
| Retained earnings to average equity (ytd only) | 4.7058% | 1,970 |
| Net charge-offs to loans | 0.0173% | 6,977 |
| Credit loss provision to net charge-offs | 280.0000% | 1,215 |
| Earnings coverage of net charge-offs (x) | 84.8000% | 323 |
| Efficiency ratio | 76.1396% | 3,501 |
| Assets per employee ($millions) | 2.4716% | 7,242 |
| Cash dividends to net income (ytd only)* | 52.4297% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 6,302 |
| Loan loss allowance to noncurrent loans | 1,327.2727% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 7,382 |
| Noncurrent loans to loans | 0.0763% | 7,228 |
| Net loans and leases to total assets | 64.1476% | 4,575 |
| Net loans and leases to deposits | 71.1068% | 5,453 |
| Net loans and leases to core deposits | 83.7235% | 5,745 |
| Total domestic deposits to total assets | 90.2131% | 875 |
| Equity capital to assets | 9.4048% | 4,547 |
| Core capital (leverage) ratio | 9.6745% | 3,494 |
| Tier 1 risk-based capital ratio | 13.7048% | 3,681 |
| Total risk-based capital ratio | 14.6517% | 3,826 |
| Memoranda: | ||
| Average total assets | $42,612,200 | 7,008 |
| Average earning assets | $38,997,200 | 6,977 |
| Average equity | $3,952,600 | 7,314 |
| Average total loans | $28,844,200 | 6,697 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7662% | 3,038 |
| Cost of funding earning assets | 1.7011% | 4,895 |
| Net interest margin | 4.0651% | 2,529 |
| Noninterest income to average assets | 0.4999% | 4,481 |
| Noninterest expense to average assets | 3.2397% | 3,157 |
| Loan and lease loss provision to assets | 0.0253% | 7,101 |
| Net operating income to assets | 0.9145% | 2,367 |
| Return on assets (ROA) | 0.9206% | 2,414 |
| Pretax return on assets | 0.9460% | 3,073 |
| Return on Equity (ROE) | 9.9619% | 1,925 |
| Retained earnings to average equity (ytd only) | 5.5115% | 2,196 |
| Net charge-offs to loans | -0.0046% | 7,625 |
| Credit loss provision to net charge-offs | -800.0000% | 7,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0504% | 3,309 |
| Assets per employee ($millions) | 2.1779% | 7,632 |
| Cash dividends to net income (ytd only)* | 44.6738% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 6,292 |
| Loan loss allowance to noncurrent loans | 941.9355% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 7,370 |
| Noncurrent loans to loans | 0.1061% | 7,210 |
| Net loans and leases to total assets | 69.8775% | 3,548 |
| Net loans and leases to deposits | 78.1134% | 4,726 |
| Net loans and leases to core deposits | 90.2581% | 5,407 |
| Total domestic deposits to total assets | 89.4565% | 990 |
| Equity capital to assets | 10.3163% | 3,712 |
| Core capital (leverage) ratio | 10.1221% | 3,146 |
| Tier 1 risk-based capital ratio | 13.4733% | 3,867 |
| Total risk-based capital ratio | 14.4094% | 4,015 |
| Memoranda: | ||
| Average total assets | $42,143,250 | 7,074 |
| Average earning assets | $38,406,750 | 7,056 |
| Average equity | $3,894,750 | 7,387 |
| Average total loans | $28,847,750 | 6,751 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7557% | 3,271 |
| Cost of funding earning assets | 1.7371% | 5,075 |
| Net interest margin | 4.0186% | 2,624 |
| Noninterest income to average assets | 0.4623% | 4,763 |
| Noninterest expense to average assets | 3.2030% | 3,334 |
| Loan and lease loss provision to assets | 0.0094% | 7,112 |
| Net operating income to assets | 0.8684% | 2,579 |
| Return on assets (ROA) | 0.8774% | 2,656 |
| Pretax return on assets | 0.9152% | 3,289 |
| Return on Equity (ROE) | 9.8674% | 2,067 |
| Retained earnings to average equity (ytd only) | 4.7215% | 2,675 |
| Net charge-offs to loans | 0.0627% | 5,619 |
| Credit loss provision to net charge-offs | 22.2222% | 6,106 |
| Earnings coverage of net charge-offs (x) | 21.5556% | 1,258 |
| Efficiency ratio | 77.7778% | 3,381 |
| Assets per employee ($millions) | 2.1774% | 7,700 |
| Cash dividends to net income (ytd only)* | 52.1505% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 6,606 |
| Loan loss allowance to noncurrent loans | 2,123.0769% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 7,536 |
| Noncurrent loans to loans | 0.0442% | 7,429 |
| Net loans and leases to total assets | 70.4399% | 3,599 |
| Net loans and leases to deposits | 79.2564% | 4,665 |
| Net loans and leases to core deposits | 92.0203% | 5,350 |
| Total domestic deposits to total assets | 88.8760% | 1,330 |
| Equity capital to assets | 9.6640% | 4,404 |
| Core capital (leverage) ratio | 9.7220% | 3,605 |
| Tier 1 risk-based capital ratio | 13.7593% | 3,648 |
| Total risk-based capital ratio | 14.6788% | 3,798 |
| Memoranda: | ||
| Average total assets | $42,397,330 | 7,118 |
| Average earning assets | $38,570,330 | 7,108 |
| Average equity | $3,770,000 | 7,489 |
| Average total loans | $28,727,670 | 6,808 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7253% | 3,668 |
| Cost of funding earning assets | 1.7846% | 5,184 |
| Net interest margin | 3.9406% | 2,880 |
| Noninterest income to average assets | 0.4195% | 5,057 |
| Noninterest expense to average assets | 3.1134% | 3,326 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8110% | 3,083 |
| Return on assets (ROA) | 0.8110% | 3,243 |
| Pretax return on assets | 0.8669% | 3,839 |
| Return on Equity (ROE) | 9.5186% | 2,521 |
| Retained earnings to average equity (ytd only) | 4.0481% | 3,648 |
| Net charge-offs to loans | -0.0141% | 7,358 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2201% | 3,131 |
| Assets per employee ($millions) | 2.2642% | 7,632 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 6,248 |
| Loan loss allowance to noncurrent loans | 916.1290% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 7,380 |
| Noncurrent loans to loans | 0.1083% | 7,221 |
| Net loans and leases to total assets | 65.8755% | 4,609 |
| Net loans and leases to deposits | 76.3484% | 5,169 |
| Net loans and leases to core deposits | 87.7124% | 5,766 |
| Total domestic deposits to total assets | 86.2828% | 2,565 |
| Equity capital to assets | 8.9007% | 5,477 |
| Core capital (leverage) ratio | 9.7637% | 3,677 |
| Tier 1 risk-based capital ratio | 13.6160% | 3,792 |
| Total risk-based capital ratio | 14.5643% | 3,907 |
| Memoranda: | ||
| Average total assets | $42,911,000 | 7,134 |
| Average earning assets | $38,775,500 | 7,134 |
| Average equity | $3,656,000 | 7,574 |
| Average total loans | $28,383,000 | 6,857 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3170% | 3,870 |
| Cost of funding earning assets | 2.8060% | 2,682 |
| Net interest margin | 3.5111% | 5,262 |
| Noninterest income to average assets | 0.5729% | 4,064 |
| Noninterest expense to average assets | 2.9045% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8556% | 3,202 |
| Return on assets (ROA) | 0.8850% | 2,907 |
| Pretax return on assets | 0.9407% | 3,586 |
| Return on Equity (ROE) | 10.3932% | 2,129 |
| Retained earnings to average equity (ytd only) | 4.5029% | 2,325 |
| Net charge-offs to loans | -0.0035% | 7,770 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1543% | 3,215 |
| Assets per employee ($millions) | 2.2528% | 7,625 |
| Cash dividends to net income (ytd only)* | 56.6751% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 5,988 |
| Loan loss allowance to noncurrent loans | 1,088.4615% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 7,322 |
| Noncurrent loans to loans | 0.0924% | 7,146 |
| Net loans and leases to total assets | 65.0889% | 5,038 |
| Net loans and leases to deposits | 74.8583% | 5,753 |
| Net loans and leases to core deposits | 88.5456% | 5,927 |
| Total domestic deposits to total assets | 86.9495% | 1,957 |
| Equity capital to assets | 8.1373% | 6,644 |
| Core capital (leverage) ratio | 9.1818% | 4,472 |
| Tier 1 risk-based capital ratio | 13.3835% | 3,880 |
| Total risk-based capital ratio | 14.2147% | 4,056 |
| Memoranda: | ||
| Average total assets | $44,860,800 | 6,994 |
| Average earning assets | $41,411,800 | 6,973 |
| Average equity | $3,819,800 | 7,571 |
| Average total loans | $28,296,600 | 6,820 |