Home > Fortuna Bank > Performance and Condition Ratios
Fortuna Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6093% | 3,744 |
| Cost of funding earning assets | 1.2291% | 3,706 |
| Net interest margin | 3.3802% | 2,600 |
| Noninterest income to average assets | 0.0000% | 4,395 |
| Noninterest expense to average assets | 7.2452% | 141 |
| Loan and lease loss provision to assets | 0.4200% | 233 |
| Net operating income to assets | -4.5265% | 4,428 |
| Return on assets (ROA) | -4.5265% | 4,467 |
| Pretax return on assets | -4.5265% | 4,466 |
| Return on Equity (ROE) | -6.7500% | 4,354 |
| Retained earnings to average equity (ytd only) | -6.7498% | 4,164 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 230.7359% | 47 |
| Assets per employee ($millions) | 4.6393% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 3,032 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 7.9600% | 4,337 |
| Net loans and leases to deposits | 18.1071% | 4,327 |
| Net loans and leases to core deposits | 20.3387% | 4,303 |
| Total domestic deposits to total assets | 43.9600% | 4,337 |
| Equity capital to assets | 52.7213% | 128 |
| Core capital (leverage) ratio | 62.2293% | 77 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $29,426,500 | 4,344 |
| Average earning assets | $27,336,000 | 4,316 |
| Average equity | $19,734,000 | 3,028 |
| Average total loans | $1,492,500 | 4,349 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2618% | 4,490 |
| Cost of funding earning assets | 0.0000% | 4,414 |
| Net interest margin | 0.2618% | 4,443 |
| Noninterest income to average assets | 0.0000% | 4,443 |
| Noninterest expense to average assets | 2.7784% | 1,555 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | -2.5438% | 4,438 |
| Return on assets (ROA) | -2.5438% | 4,475 |
| Pretax return on assets | -2.5438% | 4,474 |
| Return on Equity (ROE) | -2.7800% | 4,306 |
| Retained earnings to average equity (ytd only) | -2.7788% | 4,199 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 1,184.3137% | 27 |
| Assets per employee ($millions) | 3.1056% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,399 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 0.0000% | 4,378 |
| Net loans and leases to deposits | 0.0000% | 4,387 |
| Net loans and leases to core deposits | 0.0000% | 4,400 |
| Total domestic deposits to total assets | 2.6800% | 4,396 |
| Equity capital to assets | 91.5451% | 74 |
| Core capital (leverage) ratio | 125.0849% | 1 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $21,739,000 | 4,410 |
| Average earning assets | $19,479,000 | 4,384 |
| Average equity | $19,901,000 | 2,982 |
| Average total loans | $0 | 4,379 |