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Dakota Heritage Bank, Performance and Condition Ratios

2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4277%3,286
Cost of funding earning assets2.4311%4,566
Net interest margin3.9966%3,133
Noninterest income to average assets0.7972%2,531
Noninterest expense to average assets2.6739%5,365
Loan and lease loss provision to assets0.0425%6,882
Net operating income to assets1.1720%1,873
Return on assets (ROA)1.1720%1,800
Pretax return on assets1.7043%1,134
Return on Equity (ROE)9.8625%2,311
Retained earnings to average equity (ytd only)-0.1262%5,315
Net charge-offs to loans-0.1089%8,103
Credit loss provision to net charge-offs-54.8387%7,286
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.8643%6,370
Assets per employee ($millions)3.5406%4,567
Cash dividends to net income (ytd only)*101.2793%955
Condition Ratios (%)
Loss allowance to loans1.2902%3,853
Loan loss allowance to noncurrent loans151.1111%2,453
Noncurrent assets plus other real estate owned to assets0.6355%5,307
Noncurrent loans to loans0.8538%4,915
Net loans and leases to total assets73.4672%3,241
Net loans and leases to deposits95.4673%2,533
Net loans and leases to core deposits108.7937%3,883
Total domestic deposits to total assets76.9553%6,004
Equity capital to assets11.2905%2,815
Core capital (leverage) ratio8.3269%5,899
Tier 1 risk-based capital ratio9.7546%7,011
Total risk-based capital ratio10.9119%7,023
Memoranda:
Average total assets$40,016,2007,209
Average earning assets$36,280,6007,231
Average equity$4,755,4007,225
Average total loans$28,469,4006,802