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Commercial National Bank of L'Anse, Performance and Condition Ratios

2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1823%4,603
Cost of funding earning assets2.2525%5,358
Net interest margin3.9298%3,448
Noninterest income to average assets0.3452%5,976
Noninterest expense to average assets2.5967%5,667
Loan and lease loss provision to assets0.1136%5,920
Net operating income to assets1.0463%2,373
Return on assets (ROA)1.0463%2,266
Pretax return on assets1.2961%2,322
Return on Equity (ROE)8.7557%2,729
Retained earnings to average equity (ytd only)2.8637%3,393
Net charge-offs to loans0.3367%3,149
Credit loss provision to net charge-offs60.0000%6,230
Earnings coverage of net charge-offs (x)7.4480%3,112
Efficiency ratio64.8148%5,367
Assets per employee ($millions)3.8572%3,838
Cash dividends to net income (ytd only)*67.2938%2,311
Condition Ratios (%)
Loss allowance to loans1.3461%3,500
Loan loss allowance to noncurrent loans343.7500%1,182
Noncurrent assets plus other real estate owned to assets0.9608%4,428
Noncurrent loans to loans0.3916%6,170
Net loans and leases to total assets55.3254%6,517
Net loans and leases to deposits63.9711%6,796
Net loans and leases to core deposits73.7838%6,980
Total domestic deposits to total assets86.4851%2,176
Equity capital to assets12.5770%1,976
Core capital (leverage) ratio11.5593%2,214
Tier 1 risk-based capital ratio21.4458%1,402
Total risk-based capital ratio22.6962%1,365
Memoranda:
Average total assets$66,044,6006,160
Average earning assets$61,530,6006,108
Average equity$7,892,0006,127
Average total loans$37,130,4006,309