Home > Dakota County State Bank > Performance and Condition Ratios
Dakota County State Bank, Performance and Condition Ratios
| 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 | 4.5594% | 6,563 |
| Cost of funding earning assets | 1.1340% | 5,493 |
| Net interest margin | 3.4254% | 5,534 |
| Noninterest income to average assets | 1.6325% | 484 |
| Noninterest expense to average assets | 2.9811% | 3,776 |
| Loan and lease loss provision to assets | 0.3252% | 3,796 |
| Net operating income to assets | 1.4786% | 948 |
| Return on assets (ROA) | 1.4786% | 1,009 |
| Pretax return on assets | 1.5155% | 1,518 |
| Return on Equity (ROE) | 16.3210% | 661 |
| Retained earnings to average equity (ytd only) | 16.3210% | 182 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8255% | 5,721 |
| Assets per employee ($millions) | 3.3462% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2571% | 1,657 |
| Loan loss allowance to noncurrent loans | 90.8055% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.4846% | 4,233 |
| Noncurrent loans to loans | 2.4857% | 3,166 |
| Net loans and leases to total assets | 55.2309% | 5,814 |
| Net loans and leases to deposits | 64.7579% | 5,941 |
| Net loans and leases to core deposits | 73.3130% | 5,520 |
| Total domestic deposits to total assets | 85.2883% | 3,471 |
| Equity capital to assets | 9.3507% | 4,928 |
| Core capital (leverage) ratio | 8.9039% | 4,746 |
| Tier 1 risk-based capital ratio | 14.7349% | 3,311 |
| Total risk-based capital ratio | 15.9943% | 3,276 |
| Memoranda: | ||
| Average total assets | $92,248,670 | 5,304 |
| Average earning assets | $85,889,000 | 5,240 |
| Average equity | $8,357,330 | 5,682 |
| Average total loans | $52,375,670 | 5,497 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 6,952 |
| Cost of funding earning assets | 1.1682% | 5,562 |
| Net interest margin | 3.2569% | 6,111 |
| Noninterest income to average assets | 1.3024% | 712 |
| Noninterest expense to average assets | 2.8451% | 4,301 |
| Loan and lease loss provision to assets | 0.3278% | 3,436 |
| Net operating income to assets | 1.1363% | 1,725 |
| Return on assets (ROA) | 1.1363% | 1,799 |
| Pretax return on assets | 1.1756% | 2,454 |
| Return on Equity (ROE) | 12.7521% | 1,313 |
| Retained earnings to average equity (ytd only) | 12.7521% | 657 |
| Net charge-offs to loans | -0.0154% | 7,004 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4271% | 5,237 |
| Assets per employee ($millions) | 3.3724% | 5,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1852% | 1,784 |
| Loan loss allowance to noncurrent loans | 82.9268% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 1.5123% | 4,236 |
| Noncurrent loans to loans | 2.6351% | 3,033 |
| Net loans and leases to total assets | 53.1882% | 6,132 |
| Net loans and leases to deposits | 62.0693% | 6,269 |
| Net loans and leases to core deposits | 72.3293% | 5,675 |
| Total domestic deposits to total assets | 85.6916% | 3,319 |
| Equity capital to assets | 8.7613% | 5,623 |
| Core capital (leverage) ratio | 8.9330% | 4,674 |
| Tier 1 risk-based capital ratio | 14.6129% | 3,309 |
| Total risk-based capital ratio | 15.8709% | 3,271 |
| Memoranda: | ||
| Average total assets | $91,526,000 | 5,402 |
| Average earning assets | $85,604,000 | 5,317 |
| Average equity | $8,155,500 | 5,791 |
| Average total loans | $52,092,000 | 5,579 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9840% | 6,488 |
| Cost of funding earning assets | 1.3607% | 6,091 |
| Net interest margin | 3.6233% | 4,456 |
| Noninterest income to average assets | 0.9753% | 1,650 |
| Noninterest expense to average assets | 2.9886% | 4,191 |
| Loan and lease loss provision to assets | 0.3202% | 4,897 |
| Net operating income to assets | 1.0118% | 1,796 |
| Return on assets (ROA) | 1.0118% | 1,854 |
| Pretax return on assets | 1.0494% | 2,415 |
| Return on Equity (ROE) | 11.6953% | 1,236 |
| Retained earnings to average equity (ytd only) | 11.6953% | 233 |
| Net charge-offs to loans | 0.1445% | 5,793 |
| Credit loss provision to net charge-offs | 355.6962% | 906 |
| Earnings coverage of net charge-offs (x) | 15.2152% | 1,320 |
| Efficiency ratio | 68.5752% | 4,907 |
| Assets per employee ($millions) | 3.1652% | 5,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9777% | 2,082 |
| Loan loss allowance to noncurrent loans | 76.0553% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.6350% | 3,920 |
| Noncurrent loans to loans | 2.6004% | 2,957 |
| Net loans and leases to total assets | 58.4406% | 5,589 |
| Net loans and leases to deposits | 68.1308% | 5,807 |
| Net loans and leases to core deposits | 86.0821% | 5,512 |
| Total domestic deposits to total assets | 85.7772% | 3,122 |
| Equity capital to assets | 9.0697% | 5,029 |
| Core capital (leverage) ratio | 9.1372% | 4,218 |
| Tier 1 risk-based capital ratio | 14.0310% | 3,482 |
| Total risk-based capital ratio | 15.2960% | 3,426 |
| Memoranda: | ||
| Average total assets | $87,766,600 | 5,459 |
| Average earning assets | $81,942,200 | 5,398 |
| Average equity | $7,592,800 | 6,056 |
| Average total loans | $54,662,400 | 5,474 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0159% | 6,559 |
| Cost of funding earning assets | 1.4026% | 6,216 |
| Net interest margin | 3.6133% | 4,429 |
| Noninterest income to average assets | 1.0020% | 1,602 |
| Noninterest expense to average assets | 3.0503% | 3,842 |
| Loan and lease loss provision to assets | 0.3137% | 4,465 |
| Net operating income to assets | 0.9777% | 2,139 |
| Return on assets (ROA) | 0.9777% | 2,195 |
| Pretax return on assets | 1.0158% | 2,855 |
| Return on Equity (ROE) | 11.4413% | 1,499 |
| Retained earnings to average equity (ytd only) | 11.4413% | 423 |
| Net charge-offs to loans | 0.1959% | 4,840 |
| Credit loss provision to net charge-offs | 254.3210% | 1,682 |
| Earnings coverage of net charge-offs (x) | 10.7775% | 1,922 |
| Efficiency ratio | 69.6453% | 4,661 |
| Assets per employee ($millions) | 3.3111% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7742% | 2,370 |
| Loan loss allowance to noncurrent loans | 69.2418% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.6958% | 3,835 |
| Noncurrent loans to loans | 2.5624% | 2,943 |
| Net loans and leases to total assets | 59.9459% | 5,590 |
| Net loans and leases to deposits | 69.7709% | 5,945 |
| Net loans and leases to core deposits | 85.5389% | 5,912 |
| Total domestic deposits to total assets | 85.9182% | 2,735 |
| Equity capital to assets | 8.7618% | 5,864 |
| Core capital (leverage) ratio | 8.7034% | 5,118 |
| Tier 1 risk-based capital ratio | 13.0557% | 4,150 |
| Total risk-based capital ratio | 14.3092% | 4,085 |
| Memoranda: | ||
| Average total assets | $87,552,000 | 5,497 |
| Average earning assets | $81,844,750 | 5,425 |
| Average equity | $7,481,500 | 6,160 |
| Average total loans | $55,118,500 | 5,507 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0189% | 6,708 |
| Cost of funding earning assets | 1.4642% | 6,279 |
| Net interest margin | 3.5546% | 4,554 |
| Noninterest income to average assets | 0.9961% | 1,605 |
| Noninterest expense to average assets | 3.0413% | 3,913 |
| Loan and lease loss provision to assets | 0.2439% | 4,631 |
| Net operating income to assets | 0.9892% | 2,146 |
| Return on assets (ROA) | 0.9892% | 2,244 |
| Pretax return on assets | 1.0283% | 2,889 |
| Return on Equity (ROE) | 11.6779% | 1,512 |
| Retained earnings to average equity (ytd only) | 11.6779% | 486 |
| Net charge-offs to loans | 0.3255% | 3,554 |
| Credit loss provision to net charge-offs | 117.7778% | 3,942 |
| Earnings coverage of net charge-offs (x) | 6.1444% | 2,679 |
| Efficiency ratio | 70.5067% | 4,681 |
| Assets per employee ($millions) | 3.3204% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 3,005 |
| Loan loss allowance to noncurrent loans | 35.8814% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 2.8019% | 2,294 |
| Noncurrent loans to loans | 4.2815% | 1,536 |
| Net loans and leases to total assets | 61.4108% | 5,454 |
| Net loans and leases to deposits | 71.2478% | 5,841 |
| Net loans and leases to core deposits | 87.4446% | 5,772 |
| Total domestic deposits to total assets | 86.1933% | 2,681 |
| Equity capital to assets | 8.4861% | 6,068 |
| Core capital (leverage) ratio | 8.3754% | 5,666 |
| Tier 1 risk-based capital ratio | 12.4701% | 4,543 |
| Total risk-based capital ratio | 13.6962% | 4,490 |
| Memoranda: | ||
| Average total assets | $86,936,330 | 5,557 |
| Average earning assets | $81,134,000 | 5,492 |
| Average equity | $7,364,330 | 6,240 |
| Average total loans | $55,305,000 | 5,545 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0636% | 6,752 |
| Cost of funding earning assets | 1.5337% | 6,296 |
| Net interest margin | 3.5300% | 4,614 |
| Noninterest income to average assets | 1.0657% | 1,307 |
| Noninterest expense to average assets | 3.1784% | 3,080 |
| Loan and lease loss provision to assets | 0.1870% | 4,567 |
| Net operating income to assets | 0.9442% | 2,533 |
| Return on assets (ROA) | 0.9442% | 2,662 |
| Pretax return on assets | 0.9816% | 3,415 |
| Return on Equity (ROE) | 11.1564% | 1,925 |
| Retained earnings to average equity (ytd only) | 11.1564% | 940 |
| Net charge-offs to loans | 0.6691% | 1,844 |
| Credit loss provision to net charge-offs | 43.4783% | 4,769 |
| Earnings coverage of net charge-offs (x) | 2.7174% | 3,400 |
| Efficiency ratio | 73.1183% | 3,986 |
| Assets per employee ($millions) | 3.2196% | 5,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4447% | 3,259 |
| Loan loss allowance to noncurrent loans | 62.2835% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 1.6220% | 3,485 |
| Noncurrent loans to loans | 2.3195% | 2,833 |
| Net loans and leases to total assets | 62.0759% | 5,303 |
| Net loans and leases to deposits | 72.1224% | 5,731 |
| Net loans and leases to core deposits | 89.6304% | 5,593 |
| Total domestic deposits to total assets | 86.0702% | 2,671 |
| Equity capital to assets | 8.4897% | 6,087 |
| Core capital (leverage) ratio | 8.7003% | 5,146 |
| Tier 1 risk-based capital ratio | 11.9442% | 5,008 |
| Total risk-based capital ratio | 13.1949% | 4,915 |
| Memoranda: | ||
| Average total assets | $85,578,500 | 5,625 |
| Average earning assets | $79,547,500 | 5,561 |
| Average equity | $7,242,500 | 6,321 |
| Average total loans | $55,000,000 | 5,593 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4411% | 3,222 |
| Cost of funding earning assets | 2.2526% | 5,357 |
| Net interest margin | 4.1885% | 2,357 |
| Noninterest income to average assets | 1.1537% | 1,159 |
| Noninterest expense to average assets | 3.1114% | 3,652 |
| Loan and lease loss provision to assets | 0.0605% | 6,650 |
| Net operating income to assets | 1.7846% | 567 |
| Return on assets (ROA) | 1.7846% | 548 |
| Pretax return on assets | 1.8249% | 894 |
| Return on Equity (ROE) | 20.7827% | 319 |
| Retained earnings to average equity (ytd only) | 1.4500% | 4,349 |
| Net charge-offs to loans | 0.1978% | 4,216 |
| Credit loss provision to net charge-offs | 42.8571% | 6,427 |
| Earnings coverage of net charge-offs (x) | 13.3613% | 2,134 |
| Efficiency ratio | 62.2686% | 5,900 |
| Assets per employee ($millions) | 2.9044% | 6,290 |
| Cash dividends to net income (ytd only)* | 93.0233% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 2,563 |
| Loan loss allowance to noncurrent loans | 197.4239% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6732% | 5,202 |
| Noncurrent loans to loans | 0.7729% | 5,095 |
| Net loans and leases to total assets | 64.5913% | 5,154 |
| Net loans and leases to deposits | 78.2240% | 5,307 |
| Net loans and leases to core deposits | 95.6823% | 5,281 |
| Total domestic deposits to total assets | 82.5723% | 3,963 |
| Equity capital to assets | 8.4354% | 6,196 |
| Core capital (leverage) ratio | 8.5303% | 5,516 |
| Tier 1 risk-based capital ratio | 11.4524% | 5,286 |
| Total risk-based capital ratio | 12.7035% | 5,181 |
| Memoranda: | ||
| Average total assets | $84,334,600 | 5,546 |
| Average earning assets | $77,378,400 | 5,531 |
| Average equity | $7,241,600 | 6,369 |
| Average total loans | $60,174,000 | 5,255 |