Home > Delaware National Bank > Performance and Condition Ratios
Delaware National Bank, Performance and Condition Ratios
| 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 | 5.0607% | 4,539 |
| Cost of funding earning assets | 1.3587% | 3,841 |
| Net interest margin | 3.7020% | 4,390 |
| Noninterest income to average assets | 1.1214% | 1,112 |
| Noninterest expense to average assets | 2.7295% | 4,757 |
| Loan and lease loss provision to assets | 0.4695% | 3,126 |
| Net operating income to assets | 0.8436% | 2,829 |
| Return on assets (ROA) | 0.9241% | 2,654 |
| Pretax return on assets | 1.4627% | 1,711 |
| Return on Equity (ROE) | 9.9032% | 2,159 |
| Retained earnings to average equity (ytd only) | 9.9032% | 816 |
| Net charge-offs to loans | 1.5460% | 1,297 |
| Credit loss provision to net charge-offs | 42.5320% | 5,985 |
| Earnings coverage of net charge-offs (x) | 1.6366% | 4,484 |
| Efficiency ratio | 58.8162% | 6,144 |
| Assets per employee ($millions) | 5.1302% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9619% | 2,317 |
| Loan loss allowance to noncurrent loans | 41.4434% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 3.5612% | 1,998 |
| Noncurrent loans to loans | 4.7340% | 1,492 |
| Net loans and leases to total assets | 71.0724% | 2,468 |
| Net loans and leases to deposits | 92.8864% | 1,343 |
| Net loans and leases to core deposits | 98.6481% | 1,975 |
| Total domestic deposits to total assets | 76.5154% | 6,566 |
| Equity capital to assets | 9.7559% | 4,466 |
| Core capital (leverage) ratio | 8.3178% | 5,837 |
| Tier 1 risk-based capital ratio | 11.6063% | 5,824 |
| Total risk-based capital ratio | 12.8661% | 5,802 |
| Memoranda: | ||
| Average total assets | $472,256,500 | 1,434 |
| Average earning assets | $435,609,250 | 1,415 |
| Average equity | $44,065,500 | 1,519 |
| Average total loans | $337,195,250 | 1,339 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0703% | 4,605 |
| Cost of funding earning assets | 1.4343% | 3,646 |
| Net interest margin | 3.6360% | 4,654 |
| Noninterest income to average assets | 1.0907% | 1,125 |
| Noninterest expense to average assets | 2.6845% | 4,973 |
| Loan and lease loss provision to assets | 0.5081% | 2,766 |
| Net operating income to assets | 0.8057% | 2,947 |
| Return on assets (ROA) | 0.8244% | 3,002 |
| Pretax return on assets | 1.3041% | 2,072 |
| Return on Equity (ROE) | 8.9712% | 2,478 |
| Retained earnings to average equity (ytd only) | 8.9712% | 1,117 |
| Net charge-offs to loans | 0.2867% | 3,903 |
| Credit loss provision to net charge-offs | 249.4802% | 1,544 |
| Earnings coverage of net charge-offs (x) | 8.7547% | 2,104 |
| Efficiency ratio | 58.7148% | 6,274 |
| Assets per employee ($millions) | 5.0692% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8543% | 952 |
| Loan loss allowance to noncurrent loans | 74.8594% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 2.9104% | 2,471 |
| Noncurrent loans to loans | 3.8129% | 2,020 |
| Net loans and leases to total assets | 69.9292% | 2,916 |
| Net loans and leases to deposits | 91.6246% | 1,595 |
| Net loans and leases to core deposits | 97.0746% | 2,323 |
| Total domestic deposits to total assets | 76.3214% | 6,621 |
| Equity capital to assets | 9.7060% | 4,400 |
| Core capital (leverage) ratio | 8.0790% | 6,155 |
| Tier 1 risk-based capital ratio | 11.5992% | 5,673 |
| Total risk-based capital ratio | 12.8714% | 5,612 |
| Memoranda: | ||
| Average total assets | $472,348,000 | 1,445 |
| Average earning assets | $438,673,670 | 1,413 |
| Average equity | $43,405,330 | 1,528 |
| Average total loans | $335,539,670 | 1,356 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0636% | 4,716 |
| Cost of funding earning assets | 1.5968% | 2,983 |
| Net interest margin | 3.4668% | 5,300 |
| Noninterest income to average assets | 1.0081% | 1,277 |
| Noninterest expense to average assets | 2.6566% | 5,120 |
| Loan and lease loss provision to assets | 0.7574% | 1,677 |
| Net operating income to assets | 0.5369% | 4,200 |
| Return on assets (ROA) | 0.5369% | 4,338 |
| Pretax return on assets | 0.8390% | 3,713 |
| Return on Equity (ROE) | 6.0082% | 3,882 |
| Retained earnings to average equity (ytd only) | 6.0082% | 2,621 |
| Net charge-offs to loans | 0.2122% | 3,651 |
| Credit loss provision to net charge-offs | 505.6180% | 825 |
| Earnings coverage of net charge-offs (x) | 10.6573% | 1,723 |
| Efficiency ratio | 61.0210% | 6,001 |
| Assets per employee ($millions) | 5.0484% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8643% | 927 |
| Loan loss allowance to noncurrent loans | 98.4619% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 2.2360% | 3,230 |
| Noncurrent loans to loans | 2.9090% | 2,773 |
| Net loans and leases to total assets | 69.6441% | 3,022 |
| Net loans and leases to deposits | 92.1962% | 1,584 |
| Net loans and leases to core deposits | 98.0797% | 2,336 |
| Total domestic deposits to total assets | 75.5390% | 6,825 |
| Equity capital to assets | 9.2628% | 4,890 |
| Core capital (leverage) ratio | 7.5428% | 6,807 |
| Tier 1 risk-based capital ratio | 11.1700% | 5,986 |
| Total risk-based capital ratio | 12.4417% | 5,927 |
| Memoranda: | ||
| Average total assets | $475,340,500 | 1,473 |
| Average earning assets | $444,902,500 | 1,428 |
| Average equity | $42,475,500 | 1,578 |
| Average total loans | $335,456,500 | 1,396 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1425% | 5,909 |
| Cost of funding earning assets | 2.0631% | 2,667 |
| Net interest margin | 3.0795% | 6,436 |
| Noninterest income to average assets | 1.0913% | 1,293 |
| Noninterest expense to average assets | 2.6596% | 5,554 |
| Loan and lease loss provision to assets | 1.1921% | 1,932 |
| Net operating income to assets | 0.0751% | 5,278 |
| Return on assets (ROA) | 0.2004% | 4,966 |
| Pretax return on assets | 0.2679% | 4,851 |
| Return on Equity (ROE) | 2.4225% | 4,741 |
| Retained earnings to average equity (ytd only) | 1.3236% | 4,116 |
| Net charge-offs to loans | 0.7569% | 2,930 |
| Credit loss provision to net charge-offs | 223.7391% | 1,678 |
| Earnings coverage of net charge-offs (x) | 2.4266% | 3,914 |
| Efficiency ratio | 65.8010% | 5,430 |
| Assets per employee ($millions) | 5.0127% | 2,199 |
| Cash dividends to net income (ytd only)* | 45.3629% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6516% | 1,068 |
| Loan loss allowance to noncurrent loans | 122.4211% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 1.6488% | 3,903 |
| Noncurrent loans to loans | 2.1659% | 3,435 |
| Net loans and leases to total assets | 67.6536% | 3,784 |
| Net loans and leases to deposits | 93.7605% | 1,626 |
| Net loans and leases to core deposits | 117.7878% | 2,151 |
| Total domestic deposits to total assets | 72.1558% | 7,228 |
| Equity capital to assets | 8.6235% | 5,701 |
| Core capital (leverage) ratio | 7.0528% | 7,195 |
| Tier 1 risk-based capital ratio | 10.6509% | 6,252 |
| Total risk-based capital ratio | 11.9195% | 6,211 |
| Memoranda: | ||
| Average total assets | $494,925,400 | 1,395 |
| Average earning assets | $459,849,800 | 1,367 |
| Average equity | $40,949,200 | 1,632 |
| Average total loans | $348,389,800 | 1,388 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1771% | 5,975 |
| Cost of funding earning assets | 2.1516% | 2,641 |
| Net interest margin | 3.0255% | 6,534 |
| Noninterest income to average assets | 1.0970% | 1,324 |
| Noninterest expense to average assets | 2.6787% | 5,415 |
| Loan and lease loss provision to assets | 1.4215% | 1,352 |
| Net operating income to assets | -0.1861% | 6,038 |
| Return on assets (ROA) | 0.0357% | 5,683 |
| Pretax return on assets | 0.0220% | 5,665 |
| Return on Equity (ROE) | 0.4357% | 5,656 |
| Retained earnings to average equity (ytd only) | -1.0384% | 5,496 |
| Net charge-offs to loans | 0.8152% | 2,333 |
| Credit loss provision to net charge-offs | 246.9711% | 1,752 |
| Earnings coverage of net charge-offs (x) | 2.1226% | 4,230 |
| Efficiency ratio | 67.1778% | 5,144 |
| Assets per employee ($millions) | 5.2109% | 1,874 |
| Cash dividends to net income (ytd only)* | 338.3466% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5540% | 1,012 |
| Loan loss allowance to noncurrent loans | 130.3188% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 1.3915% | 4,313 |
| Noncurrent loans to loans | 1.9598% | 3,690 |
| Net loans and leases to total assets | 65.3527% | 4,566 |
| Net loans and leases to deposits | 89.8822% | 2,606 |
| Net loans and leases to core deposits | 114.5567% | 2,773 |
| Total domestic deposits to total assets | 72.7093% | 7,119 |
| Equity capital to assets | 8.1095% | 6,730 |
| Core capital (leverage) ratio | 6.6642% | 7,605 |
| Tier 1 risk-based capital ratio | 10.0717% | 6,907 |
| Total risk-based capital ratio | 11.3413% | 6,836 |
| Memoranda: | ||
| Average total assets | $497,099,000 | 1,403 |
| Average earning assets | $460,604,000 | 1,385 |
| Average equity | $40,704,000 | 1,659 |
| Average total loans | $351,009,000 | 1,391 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2642% | 5,811 |
| Cost of funding earning assets | 2.2115% | 2,740 |
| Net interest margin | 3.0527% | 6,390 |
| Noninterest income to average assets | 1.1146% | 1,279 |
| Noninterest expense to average assets | 2.7139% | 5,334 |
| Loan and lease loss provision to assets | 1.7865% | 926 |
| Net operating income to assets | -0.3387% | 6,373 |
| Return on assets (ROA) | -0.1563% | 6,139 |
| Pretax return on assets | -0.2867% | 6,224 |
| Return on Equity (ROE) | -1.9028% | 6,207 |
| Retained earnings to average equity (ytd only) | -4.1268% | 6,162 |
| Net charge-offs to loans | 0.8026% | 2,074 |
| Credit loss provision to net charge-offs | 309.8592% | 1,503 |
| Earnings coverage of net charge-offs (x) | 2.1070% | 4,018 |
| Efficiency ratio | 67.5796% | 5,233 |
| Assets per employee ($millions) | 5.2000% | 1,856 |
| Cash dividends to net income (ytd only)* | -116.8831% | 8,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4296% | 960 |
| Loan loss allowance to noncurrent loans | 164.8784% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 1.1344% | 4,682 |
| Noncurrent loans to loans | 1.4736% | 4,284 |
| Net loans and leases to total assets | 67.3320% | 4,289 |
| Net loans and leases to deposits | 92.8855% | 2,295 |
| Net loans and leases to core deposits | 122.1992% | 2,195 |
| Total domestic deposits to total assets | 72.4892% | 7,192 |
| Equity capital to assets | 7.8436% | 6,924 |
| Core capital (leverage) ratio | 6.7993% | 7,655 |
| Tier 1 risk-based capital ratio | 9.5283% | 7,365 |
| Total risk-based capital ratio | 10.7934% | 7,316 |
| Memoranda: | ||
| Average total assets | $492,574,670 | 1,435 |
| Average earning assets | $454,084,000 | 1,418 |
| Average equity | $40,467,670 | 1,679 |
| Average total loans | $353,850,330 | 1,413 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2471% | 6,126 |
| Cost of funding earning assets | 2.2404% | 2,959 |
| Net interest margin | 3.0067% | 6,465 |
| Noninterest income to average assets | 1.0247% | 1,415 |
| Noninterest expense to average assets | 2.6236% | 5,348 |
| Loan and lease loss provision to assets | 1.8179% | 678 |
| Net operating income to assets | -0.3698% | 6,754 |
| Return on assets (ROA) | -0.1165% | 6,546 |
| Pretax return on assets | -0.2264% | 6,600 |
| Return on Equity (ROE) | -1.3852% | 6,596 |
| Retained earnings to average equity (ytd only) | -5.8061% | 6,656 |
| Net charge-offs to loans | 1.0898% | 1,247 |
| Credit loss provision to net charge-offs | 227.5078% | 2,008 |
| Earnings coverage of net charge-offs (x) | 1.4964% | 3,986 |
| Efficiency ratio | 67.1138% | 5,121 |
| Assets per employee ($millions) | 5.0973% | 1,967 |
| Cash dividends to net income (ytd only)* | -319.1489% | 8,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9145% | 1,591 |
| Loan loss allowance to noncurrent loans | 140.0501% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 1.0664% | 4,557 |
| Noncurrent loans to loans | 1.3670% | 4,271 |
| Net loans and leases to total assets | 68.7871% | 3,955 |
| Net loans and leases to deposits | 96.6107% | 1,852 |
| Net loans and leases to core deposits | 125.8180% | 1,926 |
| Total domestic deposits to total assets | 71.2003% | 7,308 |
| Equity capital to assets | 8.1021% | 6,674 |
| Core capital (leverage) ratio | 7.0386% | 7,608 |
| Tier 1 risk-based capital ratio | 9.8098% | 7,134 |
| Total risk-based capital ratio | 11.0696% | 7,031 |
| Memoranda: | ||
| Average total assets | $484,063,500 | 1,466 |
| Average earning assets | $449,922,000 | 1,435 |
| Average equity | $40,716,000 | 1,668 |
| Average total loans | $354,942,500 | 1,418 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9524% | 5,801 |
| Cost of funding earning assets | 2.4344% | 4,551 |
| Net interest margin | 3.5180% | 5,238 |
| Noninterest income to average assets | 1.2131% | 1,011 |
| Noninterest expense to average assets | 2.5992% | 5,654 |
| Loan and lease loss provision to assets | 0.9649% | 1,526 |
| Net operating income to assets | 0.5886% | 4,356 |
| Return on assets (ROA) | 0.6257% | 4,053 |
| Pretax return on assets | 0.9830% | 3,435 |
| Return on Equity (ROE) | 7.2452% | 3,403 |
| Retained earnings to average equity (ytd only) | 1.8317% | 4,094 |
| Net charge-offs to loans | 0.3708% | 2,986 |
| Credit loss provision to net charge-offs | 351.2044% | 1,282 |
| Earnings coverage of net charge-offs (x) | 6.8796% | 3,249 |
| Efficiency ratio | 56.5145% | 6,940 |
| Assets per employee ($millions) | 4.8308% | 2,141 |
| Cash dividends to net income (ytd only)* | 74.7185% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 3,080 |
| Loan loss allowance to noncurrent loans | 170.6845% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.7617% | 4,939 |
| Noncurrent loans to loans | 0.8330% | 4,970 |
| Net loans and leases to total assets | 75.6417% | 2,723 |
| Net loans and leases to deposits | 110.9318% | 772 |
| Net loans and leases to core deposits | 136.9219% | 1,439 |
| Total domestic deposits to total assets | 68.1876% | 7,452 |
| Equity capital to assets | 8.7410% | 5,746 |
| Core capital (leverage) ratio | 7.2393% | 7,486 |
| Tier 1 risk-based capital ratio | 10.0038% | 6,731 |
| Total risk-based capital ratio | 11.2592% | 6,605 |
| Memoranda: | ||
| Average total assets | $468,457,400 | 1,475 |
| Average earning assets | $436,241,200 | 1,438 |
| Average equity | $40,454,400 | 1,659 |
| Average total loans | $347,055,000 | 1,397 |