Home > Exchange National Bank of Moore > Performance and Condition Ratios
Exchange National Bank of Moore, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1021% | 7,372 |
| Cost of funding earning assets | 1.3010% | 2,165 |
| Net interest margin | 1.8011% | 7,453 |
| Noninterest income to average assets | 0.5873% | 3,256 |
| Noninterest expense to average assets | 1.8205% | 7,114 |
| Loan and lease loss provision to assets | 0.1660% | 3,967 |
| Net operating income to assets | 0.2298% | 5,681 |
| Return on assets (ROA) | 0.2298% | 5,746 |
| Pretax return on assets | 0.2375% | 5,843 |
| Return on Equity (ROE) | 1.7902% | 5,870 |
| Retained earnings to average equity (ytd only) | 1.7902% | 5,044 |
| Net charge-offs to loans | 0.0533% | 4,407 |
| Credit loss provision to net charge-offs | 1,083.3333% | 355 |
| Earnings coverage of net charge-offs (x) | 26.3333% | 928 |
| Efficiency ratio | 77.2675% | 2,948 |
| Assets per employee ($millions) | 4.8671% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1481% | 7,465 |
| Loan loss allowance to noncurrent loans | 25.4902% | 6,524 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 6,753 |
| Noncurrent loans to loans | 0.5811% | 5,866 |
| Net loans and leases to total assets | 28.1317% | 7,291 |
| Net loans and leases to deposits | 37.6956% | 7,174 |
| Net loans and leases to core deposits | 40.6332% | 7,151 |
| Total domestic deposits to total assets | 74.6286% | 6,841 |
| Equity capital to assets | 13.1271% | 1,326 |
| Core capital (leverage) ratio | 10.0722% | 3,070 |
| Tier 1 risk-based capital ratio | 18.9554% | 1,815 |
| Total risk-based capital ratio | 19.0372% | 2,148 |
| Memoranda: | ||
| Average total assets | $156,661,000 | 3,765 |
| Average earning assets | $142,354,500 | 3,785 |
| Average equity | $20,109,000 | 3,095 |
| Average total loans | $45,004,500 | 5,611 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2236% | 7,638 |
| Cost of funding earning assets | 0.0847% | 7,587 |
| Net interest margin | 0.1389% | 7,641 |
| Noninterest income to average assets | 0.0436% | 7,143 |
| Noninterest expense to average assets | 0.1007% | 7,648 |
| Loan and lease loss provision to assets | 0.0041% | 7,026 |
| Net operating income to assets | 0.0585% | 5,680 |
| Return on assets (ROA) | 0.0585% | 5,830 |
| Pretax return on assets | 0.0694% | 5,759 |
| Return on Equity (ROE) | 0.6046% | 5,810 |
| Retained earnings to average equity (ytd only) | 0.6046% | 5,279 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2969% | 6,778 |
| Assets per employee ($millions) | 4.7750% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0130% | 7,576 |
| Loan loss allowance to noncurrent loans | 16.6667% | 6,922 |
| Noncurrent assets plus other real estate owned to assets | 0.6657% | 5,669 |
| Noncurrent loans to loans | 0.0780% | 6,936 |
| Net loans and leases to total assets | 29.2710% | 7,372 |
| Net loans and leases to deposits | 39.0574% | 7,282 |
| Net loans and leases to core deposits | 42.2753% | 7,248 |
| Total domestic deposits to total assets | 74.9435% | 6,777 |
| Equity capital to assets | 12.5482% | 1,602 |
| Core capital (leverage) ratio | 9.9430% | 3,151 |
| Tier 1 risk-based capital ratio | 18.0419% | 1,986 |
| Total risk-based capital ratio | 18.0492% | 2,392 |
| Memoranda: | ||
| Average total assets | $146,908,000 | 3,931 |
| Average earning assets | $138,210,400 | 3,852 |
| Average equity | $14,224,200 | 4,097 |
| Average total loans | $55,703,800 | 5,252 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9891% | 4,870 |
| Cost of funding earning assets | 1.4084% | 3,532 |
| Net interest margin | 3.5808% | 4,970 |
| Noninterest income to average assets | 0.5777% | 3,596 |
| Noninterest expense to average assets | 2.3608% | 6,148 |
| Loan and lease loss provision to assets | 0.0185% | 6,867 |
| Net operating income to assets | 1.6112% | 734 |
| Return on assets (ROA) | 2.0114% | 360 |
| Pretax return on assets | 1.9994% | 619 |
| Return on Equity (ROE) | 22.6008% | 177 |
| Retained earnings to average equity (ytd only) | 9.5139% | 907 |
| Net charge-offs to loans | -0.1469% | 7,597 |
| Credit loss provision to net charge-offs | -31.2500% | 6,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3401% | 6,059 |
| Assets per employee ($millions) | 4.5267% | 2,868 |
| Cash dividends to net income (ytd only)* | 57.9045% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 4,489 |
| Loan loss allowance to noncurrent loans | 65.0284% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 5,694 |
| Noncurrent loans to loans | 2.1444% | 3,520 |
| Net loans and leases to total assets | 32.5668% | 7,392 |
| Net loans and leases to deposits | 43.0717% | 7,267 |
| Net loans and leases to core deposits | 47.9362% | 7,208 |
| Total domestic deposits to total assets | 75.6109% | 6,715 |
| Equity capital to assets | 9.4938% | 4,855 |
| Core capital (leverage) ratio | 7.6930% | 6,678 |
| Tier 1 risk-based capital ratio | 14.6896% | 3,400 |
| Total risk-based capital ratio | 15.5848% | 3,571 |
| Memoranda: | ||
| Average total assets | $144,241,000 | 4,032 |
| Average earning assets | $136,988,250 | 3,918 |
| Average equity | $12,837,000 | 4,470 |
| Average total loans | $58,097,250 | 5,229 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1135% | 4,385 |
| Cost of funding earning assets | 1.4174% | 3,763 |
| Net interest margin | 3.6960% | 4,379 |
| Noninterest income to average assets | 0.7620% | 2,318 |
| Noninterest expense to average assets | 2.6507% | 5,124 |
| Loan and lease loss provision to assets | 0.1263% | 5,622 |
| Net operating income to assets | 1.5085% | 903 |
| Return on assets (ROA) | 1.5085% | 964 |
| Pretax return on assets | 1.4902% | 1,582 |
| Return on Equity (ROE) | 17.3546% | 534 |
| Retained earnings to average equity (ytd only) | 0.0807% | 5,708 |
| Net charge-offs to loans | 0.0787% | 5,349 |
| Credit loss provision to net charge-offs | 375.0000% | 968 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 620 |
| Efficiency ratio | 62.1177% | 5,668 |
| Assets per employee ($millions) | 4.4154% | 3,029 |
| Cash dividends to net income (ytd only)* | 99.5349% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 5,594 |
| Loan loss allowance to noncurrent loans | 52.7144% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 0.8723% | 5,377 |
| Noncurrent loans to loans | 2.2225% | 3,457 |
| Net loans and leases to total assets | 38.7895% | 7,230 |
| Net loans and leases to deposits | 51.9371% | 6,979 |
| Net loans and leases to core deposits | 60.0461% | 6,712 |
| Total domestic deposits to total assets | 74.6855% | 6,888 |
| Equity capital to assets | 8.7230% | 5,853 |
| Core capital (leverage) ratio | 7.3913% | 6,926 |
| Tier 1 risk-based capital ratio | 12.2160% | 5,112 |
| Total risk-based capital ratio | 13.0046% | 5,500 |
| Memoranda: | ||
| Average total assets | $142,527,330 | 4,083 |
| Average earning assets | $135,172,670 | 3,999 |
| Average equity | $12,388,670 | 4,574 |
| Average total loans | $61,017,330 | 5,135 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2252% | 3,898 |
| Cost of funding earning assets | 1.4569% | 3,823 |
| Net interest margin | 3.7682% | 3,925 |
| Noninterest income to average assets | 0.7549% | 2,270 |
| Noninterest expense to average assets | 2.8921% | 4,088 |
| Loan and lease loss provision to assets | 0.1277% | 5,300 |
| Net operating income to assets | 1.3396% | 1,204 |
| Return on assets (ROA) | 1.3396% | 1,276 |
| Pretax return on assets | 1.3027% | 2,042 |
| Return on Equity (ROE) | 15.4400% | 810 |
| Retained earnings to average equity (ytd only) | -10.5986% | 6,994 |
| Net charge-offs to loans | 0.0763% | 4,652 |
| Credit loss provision to net charge-offs | 375.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 657 |
| Efficiency ratio | 66.9074% | 4,937 |
| Assets per employee ($millions) | 4.3106% | 3,273 |
| Cash dividends to net income (ytd only)* | 168.6441% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 6,497 |
| Loan loss allowance to noncurrent loans | 1,225.0000% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 7,404 |
| Noncurrent loans to loans | 0.0812% | 7,188 |
| Net loans and leases to total assets | 44.5522% | 6,946 |
| Net loans and leases to deposits | 59.0705% | 6,546 |
| Net loans and leases to core deposits | 61.2165% | 6,659 |
| Total domestic deposits to total assets | 75.4220% | 6,842 |
| Equity capital to assets | 8.5526% | 5,932 |
| Core capital (leverage) ratio | 7.2240% | 7,087 |
| Tier 1 risk-based capital ratio | 11.5865% | 5,586 |
| Total risk-based capital ratio | 12.3209% | 6,065 |
| Memoranda: | ||
| Average total assets | $140,937,500 | 4,176 |
| Average earning assets | $133,431,500 | 4,090 |
| Average equity | $12,228,000 | 4,652 |
| Average total loans | $62,931,500 | 5,135 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6249% | 3,466 |
| Cost of funding earning assets | 1.6403% | 4,844 |
| Net interest margin | 3.9846% | 2,916 |
| Noninterest income to average assets | 0.9172% | 1,879 |
| Noninterest expense to average assets | 2.7244% | 5,278 |
| Loan and lease loss provision to assets | 0.5088% | 3,832 |
| Net operating income to assets | 1.4447% | 777 |
| Return on assets (ROA) | 1.4447% | 832 |
| Pretax return on assets | 1.4447% | 1,325 |
| Return on Equity (ROE) | 17.0699% | 453 |
| Retained earnings to average equity (ytd only) | 5.7727% | 1,437 |
| Net charge-offs to loans | 1.1095% | 2,205 |
| Credit loss provision to net charge-offs | 97.6119% | 5,700 |
| Earnings coverage of net charge-offs (x) | 3.7478% | 3,219 |
| Efficiency ratio | 58.2405% | 6,729 |
| Assets per employee ($millions) | 4.2311% | 3,376 |
| Cash dividends to net income (ytd only)* | 66.1820% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 6,502 |
| Loan loss allowance to noncurrent loans | 974.1935% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.2521% | 6,825 |
| Noncurrent loans to loans | 0.1002% | 7,165 |
| Net loans and leases to total assets | 43.8650% | 7,124 |
| Net loans and leases to deposits | 59.1136% | 6,697 |
| Net loans and leases to core deposits | 87.1769% | 5,417 |
| Total domestic deposits to total assets | 74.2047% | 6,990 |
| Equity capital to assets | 8.8021% | 5,435 |
| Core capital (leverage) ratio | 7.7132% | 6,545 |
| Tier 1 risk-based capital ratio | 12.4149% | 4,580 |
| Total risk-based capital ratio | 13.1377% | 5,007 |
| Memoranda: | ||
| Average total assets | $128,541,200 | 4,372 |
| Average earning assets | $121,317,000 | 4,282 |
| Average equity | $10,878,800 | 5,052 |
| Average total loans | $60,390,000 | 5,234 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6837% | 3,420 |
| Cost of funding earning assets | 1.6815% | 4,990 |
| Net interest margin | 4.0022% | 2,812 |
| Noninterest income to average assets | 0.9435% | 1,803 |
| Noninterest expense to average assets | 2.7648% | 5,041 |
| Loan and lease loss provision to assets | 0.6127% | 2,943 |
| Net operating income to assets | 1.3432% | 1,134 |
| Return on assets (ROA) | 1.3432% | 1,198 |
| Pretax return on assets | 1.3432% | 1,838 |
| Return on Equity (ROE) | 16.0487% | 648 |
| Retained earnings to average equity (ytd only) | 0.4814% | 5,003 |
| Net charge-offs to loans | 1.4771% | 1,390 |
| Credit loss provision to net charge-offs | 86.9173% | 5,569 |
| Earnings coverage of net charge-offs (x) | 2.7745% | 3,840 |
| Efficiency ratio | 58.5673% | 6,636 |
| Assets per employee ($millions) | 3.9910% | 3,751 |
| Cash dividends to net income (ytd only)* | 97.0011% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8941% | 6,781 |
| Loan loss allowance to noncurrent loans | 3,135.2941% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.2521% | 6,880 |
| Noncurrent loans to loans | 0.0285% | 7,448 |
| Net loans and leases to total assets | 46.2588% | 7,089 |
| Net loans and leases to deposits | 64.5654% | 6,444 |
| Net loans and leases to core deposits | 88.9033% | 5,542 |
| Total domestic deposits to total assets | 71.6464% | 7,256 |
| Equity capital to assets | 9.1565% | 5,246 |
| Core capital (leverage) ratio | 7.6488% | 6,799 |
| Tier 1 risk-based capital ratio | 12.5227% | 4,525 |
| Total risk-based capital ratio | 13.2049% | 4,949 |
| Memoranda: | ||
| Average total assets | $125,770,000 | 4,452 |
| Average earning assets | $118,699,250 | 4,371 |
| Average equity | $10,526,000 | 5,190 |
| Average total loans | $60,024,750 | 5,285 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6440% | 3,849 |
| Cost of funding earning assets | 1.7249% | 5,152 |
| Net interest margin | 3.9191% | 3,021 |
| Noninterest income to average assets | 0.9479% | 1,768 |
| Noninterest expense to average assets | 2.6758% | 5,469 |
| Loan and lease loss provision to assets | 0.8663% | 1,944 |
| Net operating income to assets | 1.1029% | 1,762 |
| Return on assets (ROA) | 1.1029% | 1,841 |
| Pretax return on assets | 1.1029% | 2,629 |
| Return on Equity (ROE) | 13.6139% | 1,057 |
| Retained earnings to average equity (ytd only) | -6.1559% | 6,472 |
| Net charge-offs to loans | 2.2007% | 826 |
| Credit loss provision to net charge-offs | 81.8731% | 5,144 |
| Earnings coverage of net charge-offs (x) | 1.8610% | 4,176 |
| Efficiency ratio | 57.6050% | 6,925 |
| Assets per employee ($millions) | 4.0220% | 3,635 |
| Cash dividends to net income (ytd only)* | 145.2174% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8443% | 7,001 |
| Loan loss allowance to noncurrent loans | 3,846.1538% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 6,828 |
| Noncurrent loans to loans | 0.0220% | 7,488 |
| Net loans and leases to total assets | 45.6222% | 7,221 |
| Net loans and leases to deposits | 62.2586% | 6,714 |
| Net loans and leases to core deposits | 84.3516% | 6,068 |
| Total domestic deposits to total assets | 73.2784% | 7,070 |
| Equity capital to assets | 7.7099% | 7,063 |
| Core capital (leverage) ratio | 7.3548% | 7,186 |
| Tier 1 risk-based capital ratio | 12.1720% | 4,784 |
| Total risk-based capital ratio | 12.8171% | 5,251 |
| Memoranda: | ||
| Average total assets | $125,122,670 | 4,506 |
| Average earning assets | $118,037,330 | 4,411 |
| Average equity | $10,136,670 | 5,324 |
| Average total loans | $60,162,670 | 5,321 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5369% | 4,716 |
| Cost of funding earning assets | 1.7757% | 5,238 |
| Net interest margin | 3.7612% | 3,612 |
| Noninterest income to average assets | 0.9633% | 1,594 |
| Noninterest expense to average assets | 2.6595% | 5,186 |
| Loan and lease loss provision to assets | 1.6411% | 759 |
| Net operating income to assets | 0.2076% | 5,639 |
| Return on assets (ROA) | 0.2076% | 5,801 |
| Pretax return on assets | 0.2076% | 5,919 |
| Return on Equity (ROE) | 2.4991% | 5,572 |
| Retained earnings to average equity (ytd only) | -29.9897% | 7,856 |
| Net charge-offs to loans | 4.3935% | 263 |
| Credit loss provision to net charge-offs | 75.9760% | 4,255 |
| Earnings coverage of net charge-offs (x) | 0.8559% | 4,338 |
| Efficiency ratio | 58.9928% | 6,553 |
| Assets per employee ($millions) | 4.0313% | 3,597 |
| Cash dividends to net income (ytd only)* | 1,300.0000% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7666% | 7,262 |
| Loan loss allowance to noncurrent loans | 1,393.9394% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.2853% | 6,655 |
| Noncurrent loans to loans | 0.0550% | 7,380 |
| Net loans and leases to total assets | 46.1578% | 7,179 |
| Net loans and leases to deposits | 62.8410% | 6,661 |
| Net loans and leases to core deposits | 83.3602% | 6,109 |
| Total domestic deposits to total assets | 73.4518% | 6,976 |
| Equity capital to assets | 7.7215% | 7,161 |
| Core capital (leverage) ratio | 7.3540% | 7,317 |
| Tier 1 risk-based capital ratio | 11.6930% | 5,212 |
| Total risk-based capital ratio | 12.2921% | 5,775 |
| Memoranda: | ||
| Average total assets | $123,331,500 | 4,565 |
| Average earning assets | $116,238,500 | 4,474 |
| Average equity | $10,243,500 | 5,309 |
| Average total loans | $60,635,000 | 5,338 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0273% | 5,423 |
| Cost of funding earning assets | 2.2253% | 5,479 |
| Net interest margin | 3.8020% | 4,008 |
| Noninterest income to average assets | 1.1938% | 1,060 |
| Noninterest expense to average assets | 3.0763% | 3,799 |
| Loan and lease loss provision to assets | 0.2476% | 4,438 |
| Net operating income to assets | 1.3954% | 1,242 |
| Return on assets (ROA) | 1.4252% | 1,134 |
| Pretax return on assets | 1.4252% | 1,889 |
| Return on Equity (ROE) | 19.1100% | 447 |
| Retained earnings to average equity (ytd only) | 11.8306% | 238 |
| Net charge-offs to loans | 0.3441% | 3,106 |
| Credit loss provision to net charge-offs | 150.2732% | 3,492 |
| Earnings coverage of net charge-offs (x) | 9.9727% | 2,599 |
| Efficiency ratio | 65.1850% | 5,280 |
| Assets per employee ($millions) | 3.5655% | 4,512 |
| Cash dividends to net income (ytd only)* | 38.0922% | 3,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 5,916 |
| Loan loss allowance to noncurrent loans | 88.0682% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 4,610 |
| Noncurrent loans to loans | 1.1491% | 4,241 |
| Net loans and leases to total assets | 51.5426% | 6,890 |
| Net loans and leases to deposits | 72.3446% | 6,019 |
| Net loans and leases to core deposits | 93.3129% | 5,517 |
| Total domestic deposits to total assets | 71.2460% | 7,129 |
| Equity capital to assets | 8.9461% | 5,436 |
| Core capital (leverage) ratio | 8.4002% | 5,763 |
| Tier 1 risk-based capital ratio | 12.9596% | 4,136 |
| Total risk-based capital ratio | 13.7840% | 4,319 |
| Memoranda: | ||
| Average total assets | $111,075,400 | 4,747 |
| Average earning assets | $102,998,200 | 4,713 |
| Average equity | $8,283,600 | 5,982 |
| Average total loans | $53,189,800 | 5,568 |