Home > F&M Bank-Iowa Central > Performance and Condition Ratios
F&M Bank-Iowa Central, Performance and Condition Ratios
| 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 | 3.4842% | 7,710 |
| Cost of funding earning assets | 1.3363% | 4,586 |
| Net interest margin | 2.1479% | 7,672 |
| Noninterest income to average assets | 0.7805% | 2,118 |
| Noninterest expense to average assets | 1.8373% | 7,425 |
| Loan and lease loss provision to assets | 0.2083% | 4,421 |
| Net operating income to assets | 0.7286% | 3,317 |
| Return on assets (ROA) | 0.7286% | 3,424 |
| Pretax return on assets | 0.7286% | 4,131 |
| Return on Equity (ROE) | 7.5337% | 3,096 |
| Retained earnings to average equity (ytd only) | 7.5337% | 1,909 |
| Net charge-offs to loans | 1.3094% | 1,307 |
| Credit loss provision to net charge-offs | 55.5556% | 4,388 |
| Earnings coverage of net charge-offs (x) | 2.4989% | 3,291 |
| Efficiency ratio | 66.2274% | 5,069 |
| Assets per employee ($millions) | 6.8110% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9793% | 838 |
| Loan loss allowance to noncurrent loans | 336.5729% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 6,764 |
| Noncurrent loans to loans | 0.8852% | 5,550 |
| Net loans and leases to total assets | 27.3572% | 7,685 |
| Net loans and leases to deposits | 31.3293% | 7,707 |
| Net loans and leases to core deposits | 33.0125% | 7,703 |
| Total domestic deposits to total assets | 87.3215% | 2,449 |
| Equity capital to assets | 9.7815% | 4,135 |
| Core capital (leverage) ratio | 9.5442% | 3,704 |
| Tier 1 risk-based capital ratio | 23.1217% | 1,051 |
| Total risk-based capital ratio | 24.3824% | 1,035 |
| Memoranda: | ||
| Average total assets | $470,474,000 | 1,491 |
| Average earning assets | $436,715,500 | 1,460 |
| Average equity | $45,502,000 | 1,480 |
| Average total loans | $134,722,500 | 3,169 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7470% | 7,773 |
| Cost of funding earning assets | 1.9283% | 3,314 |
| Net interest margin | 1.8186% | 7,801 |
| Noninterest income to average assets | 0.8878% | 1,995 |
| Noninterest expense to average assets | 2.0463% | 7,284 |
| Loan and lease loss provision to assets | 0.5909% | 3,433 |
| Net operating income to assets | 0.0955% | 5,226 |
| Return on assets (ROA) | 0.0955% | 5,264 |
| Pretax return on assets | -0.0590% | 5,532 |
| Return on Equity (ROE) | 1.0015% | 5,231 |
| Retained earnings to average equity (ytd only) | 1.0015% | 4,332 |
| Net charge-offs to loans | 0.8208% | 2,772 |
| Credit loss provision to net charge-offs | 238.5615% | 1,509 |
| Earnings coverage of net charge-offs (x) | 2.1473% | 4,114 |
| Efficiency ratio | 79.3689% | 2,978 |
| Assets per employee ($millions) | 6.5415% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0264% | 755 |
| Loan loss allowance to noncurrent loans | 258.0324% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 6,508 |
| Noncurrent loans to loans | 1.1729% | 4,982 |
| Net loans and leases to total assets | 28.1929% | 7,748 |
| Net loans and leases to deposits | 32.4982% | 7,778 |
| Net loans and leases to core deposits | 39.4402% | 7,766 |
| Total domestic deposits to total assets | 86.7521% | 2,630 |
| Equity capital to assets | 9.5618% | 4,336 |
| Core capital (leverage) ratio | 9.1964% | 4,126 |
| Tier 1 risk-based capital ratio | 21.9483% | 1,158 |
| Total risk-based capital ratio | 23.2097% | 1,138 |
| Memoranda: | ||
| Average total assets | $465,871,800 | 1,489 |
| Average earning assets | $433,015,200 | 1,465 |
| Average equity | $44,432,800 | 1,506 |
| Average total loans | $140,602,600 | 3,069 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7628% | 7,879 |
| Cost of funding earning assets | 2.0470% | 3,133 |
| Net interest margin | 1.7158% | 7,909 |
| Noninterest income to average assets | 0.9106% | 1,934 |
| Noninterest expense to average assets | 2.1182% | 7,158 |
| Loan and lease loss provision to assets | 0.7051% | 2,615 |
| Net operating income to assets | 0.0261% | 5,655 |
| Return on assets (ROA) | 0.0261% | 5,703 |
| Pretax return on assets | -0.3142% | 6,110 |
| Return on Equity (ROE) | 0.2740% | 5,693 |
| Retained earnings to average equity (ytd only) | 0.2740% | 5,085 |
| Net charge-offs to loans | 0.8564% | 2,256 |
| Credit loss provision to net charge-offs | 270.2970% | 1,573 |
| Earnings coverage of net charge-offs (x) | 1.4983% | 4,661 |
| Efficiency ratio | 84.4218% | 2,247 |
| Assets per employee ($millions) | 6.4280% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9304% | 707 |
| Loan loss allowance to noncurrent loans | 233.6187% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 6,528 |
| Noncurrent loans to loans | 1.2543% | 4,845 |
| Net loans and leases to total assets | 29.2948% | 7,821 |
| Net loans and leases to deposits | 33.6609% | 7,863 |
| Net loans and leases to core deposits | 41.6267% | 7,832 |
| Total domestic deposits to total assets | 87.0292% | 2,171 |
| Equity capital to assets | 9.7968% | 4,356 |
| Core capital (leverage) ratio | 9.4275% | 4,009 |
| Tier 1 risk-based capital ratio | 21.6403% | 1,267 |
| Total risk-based capital ratio | 22.9011% | 1,246 |
| Memoranda: | ||
| Average total assets | $464,592,750 | 1,504 |
| Average earning assets | $432,824,500 | 1,475 |
| Average equity | $44,282,250 | 1,535 |
| Average total loans | $141,521,000 | 3,087 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7106% | 7,988 |
| Cost of funding earning assets | 2.1293% | 3,130 |
| Net interest margin | 1.5813% | 7,997 |
| Noninterest income to average assets | 0.8762% | 2,072 |
| Noninterest expense to average assets | 2.0422% | 7,390 |
| Loan and lease loss provision to assets | 0.7184% | 2,280 |
| Net operating income to assets | -0.1333% | 6,073 |
| Return on assets (ROA) | -0.1333% | 6,103 |
| Pretax return on assets | -0.4020% | 6,328 |
| Return on Equity (ROE) | -1.4114% | 6,132 |
| Retained earnings to average equity (ytd only) | -1.4114% | 5,595 |
| Net charge-offs to loans | 1.1116% | 1,631 |
| Credit loss provision to net charge-offs | 211.5190% | 2,167 |
| Earnings coverage of net charge-offs (x) | 0.9316% | 4,834 |
| Efficiency ratio | 86.5840% | 2,169 |
| Assets per employee ($millions) | 5.8651% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5324% | 870 |
| Loan loss allowance to noncurrent loans | 136.7665% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5754% | 5,980 |
| Noncurrent loans to loans | 1.8516% | 3,732 |
| Net loans and leases to total assets | 29.5825% | 7,895 |
| Net loans and leases to deposits | 34.0766% | 7,938 |
| Net loans and leases to core deposits | 42.9950% | 7,891 |
| Total domestic deposits to total assets | 86.8118% | 2,355 |
| Equity capital to assets | 9.8863% | 4,097 |
| Core capital (leverage) ratio | 9.1642% | 4,357 |
| Tier 1 risk-based capital ratio | 22.0060% | 1,254 |
| Total risk-based capital ratio | 23.2636% | 1,226 |
| Memoranda: | ||
| Average total assets | $465,185,000 | 1,529 |
| Average earning assets | $436,103,000 | 1,480 |
| Average equity | $43,929,330 | 1,551 |
| Average total loans | $142,136,670 | 3,109 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6451% | 8,072 |
| Cost of funding earning assets | 2.1387% | 3,471 |
| Net interest margin | 1.5063% | 8,055 |
| Noninterest income to average assets | 0.8465% | 2,095 |
| Noninterest expense to average assets | 1.9002% | 7,543 |
| Loan and lease loss provision to assets | 0.5214% | 2,383 |
| Net operating income to assets | 0.0236% | 6,194 |
| Return on assets (ROA) | 0.0236% | 6,353 |
| Pretax return on assets | -0.1567% | 6,524 |
| Return on Equity (ROE) | 0.2554% | 6,351 |
| Retained earnings to average equity (ytd only) | 0.2554% | 5,554 |
| Net charge-offs to loans | 0.2940% | 2,934 |
| Credit loss provision to net charge-offs | 578.5047% | 978 |
| Earnings coverage of net charge-offs (x) | 4.0467% | 2,991 |
| Efficiency ratio | 83.8974% | 2,321 |
| Assets per employee ($millions) | 6.2420% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1535% | 1,140 |
| Loan loss allowance to noncurrent loans | 165.6013% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.4071% | 6,277 |
| Noncurrent loans to loans | 1.3004% | 4,376 |
| Net loans and leases to total assets | 29.6698% | 7,919 |
| Net loans and leases to deposits | 33.7571% | 7,985 |
| Net loans and leases to core deposits | 43.1500% | 7,921 |
| Total domestic deposits to total assets | 87.8919% | 1,794 |
| Equity capital to assets | 9.3810% | 4,834 |
| Core capital (leverage) ratio | 9.1124% | 4,534 |
| Tier 1 risk-based capital ratio | 20.7235% | 1,489 |
| Total risk-based capital ratio | 21.9773% | 1,461 |
| Memoranda: | ||
| Average total assets | $474,904,500 | 1,505 |
| Average earning assets | $447,180,000 | 1,450 |
| Average equity | $43,860,000 | 1,551 |
| Average total loans | $145,560,500 | 3,078 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7283% | 7,966 |
| Cost of funding earning assets | 2.5648% | 3,881 |
| Net interest margin | 2.1635% | 7,980 |
| Noninterest income to average assets | 1.2003% | 1,039 |
| Noninterest expense to average assets | 2.3945% | 6,413 |
| Loan and lease loss provision to assets | 0.2891% | 4,070 |
| Net operating income to assets | 0.3453% | 5,373 |
| Return on assets (ROA) | 0.3453% | 5,190 |
| Pretax return on assets | 0.4907% | 4,999 |
| Return on Equity (ROE) | 3.5476% | 5,017 |
| Retained earnings to average equity (ytd only) | 2.3596% | 3,734 |
| Net charge-offs to loans | 0.3084% | 3,334 |
| Credit loss provision to net charge-offs | 241.3127% | 1,937 |
| Earnings coverage of net charge-offs (x) | 6.5097% | 3,345 |
| Efficiency ratio | 75.4335% | 3,336 |
| Assets per employee ($millions) | 5.8031% | 1,264 |
| Cash dividends to net income (ytd only)* | 33.4896% | 3,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7062% | 1,890 |
| Loan loss allowance to noncurrent loans | 154.2424% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 6,179 |
| Noncurrent loans to loans | 1.1062% | 4,342 |
| Net loans and leases to total assets | 30.4406% | 7,979 |
| Net loans and leases to deposits | 34.7302% | 8,049 |
| Net loans and leases to core deposits | 46.3568% | 7,963 |
| Total domestic deposits to total assets | 87.6489% | 1,638 |
| Equity capital to assets | 9.0942% | 5,236 |
| Core capital (leverage) ratio | 9.3914% | 4,167 |
| Tier 1 risk-based capital ratio | 19.8666% | 1,642 |
| Total risk-based capital ratio | 21.1131% | 1,602 |
| Memoranda: | ||
| Average total assets | $432,408,200 | 1,578 |
| Average earning assets | $394,537,400 | 1,579 |
| Average equity | $42,084,200 | 1,588 |
| Average total loans | $167,984,400 | 2,644 |