Home > Deposit Insurance National Bank of New Baltimore > Performance and Condition Ratios
Deposit Insurance National Bank of New Baltimore, Performance and Condition Ratios
| 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 | 6.1430% | 1,396 |
| Cost of funding earning assets | 2.3084% | 1,618 |
| Net interest margin | 3.8346% | 3,554 |
| Noninterest income to average assets | -0.8005% | 7,975 |
| Noninterest expense to average assets | 4.6734% | 669 |
| Loan and lease loss provision to assets | 4.6697% | 242 |
| Net operating income to assets | -7.0211% | 7,894 |
| Return on assets (ROA) | -6.9125% | 7,886 |
| Pretax return on assets | -6.9125% | 7,864 |
| Return on Equity (ROE) | -754.8301% | 8,012 |
| Retained earnings to average equity (ytd only) | -764.8235% | 8,012 |
| Net charge-offs to loans | 4.6275% | 305 |
| Credit loss provision to net charge-offs | 129.7508% | 3,945 |
| Earnings coverage of net charge-offs (x) | -0.6533% | 6,781 |
| Efficiency ratio | 201.2612% | 137 |
| Assets per employee ($millions) | 2.5216% | 7,172 |
| Cash dividends to net income (ytd only)* | -1.3239% | 7,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2831% | 297 |
| Loan loss allowance to noncurrent loans | 56.5686% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 13.3448% | 188 |
| Noncurrent loans to loans | 7.5716% | 692 |
| Net loans and leases to total assets | 74.4428% | 2,155 |
| Net loans and leases to deposits | 318.5074% | 16 |
| Net loans and leases to core deposits | 318.5074% | 31 |
| Total domestic deposits to total assets | 23.3724% | 7,956 |
| Equity capital to assets | 0.9158% | 7,986 |
| Core capital (leverage) ratio | 1.2364% | 7,978 |
| Tier 1 risk-based capital ratio | 1.4084% | 7,981 |
| Total risk-based capital ratio | 2.6899% | 7,983 |
| Memoranda: | ||
| Average total assets | $163,907,000 | 3,698 |
| Average earning assets | $133,470,000 | 4,021 |
| Average equity | $1,501,000 | 7,927 |
| Average total loans | $127,477,000 | 3,319 |