Home > Graham National Bank > Performance and Condition Ratios
Graham 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 | 4.7180% | 5,953 |
| Cost of funding earning assets | 0.7042% | 7,048 |
| Net interest margin | 4.0137% | 3,034 |
| Noninterest income to average assets | 0.9925% | 1,482 |
| Noninterest expense to average assets | 3.0687% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.7067% | 614 |
| Return on assets (ROA) | 1.7067% | 667 |
| Pretax return on assets | 1.7067% | 1,106 |
| Return on Equity (ROE) | 16.6407% | 630 |
| Retained earnings to average equity (ytd only) | 10.0373% | 785 |
| Net charge-offs to loans | 0.0057% | 6,590 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 346.7073% | 90 |
| Efficiency ratio | 64.2599% | 5,197 |
| Assets per employee ($millions) | 4.7227% | 2,562 |
| Cash dividends to net income (ytd only)* | 39.6829% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 6,775 |
| Loan loss allowance to noncurrent loans | 22.8740% | 6,764 |
| Noncurrent assets plus other real estate owned to assets | 4.4140% | 1,538 |
| Noncurrent loans to loans | 3.8913% | 1,952 |
| Net loans and leases to total assets | 87.7276% | 117 |
| Net loans and leases to deposits | 97.8402% | 807 |
| Net loans and leases to core deposits | 99.1663% | 1,930 |
| Total domestic deposits to total assets | 89.6642% | 1,040 |
| Equity capital to assets | 10.1761% | 3,915 |
| Core capital (leverage) ratio | 10.2411% | 2,993 |
| Tier 1 risk-based capital ratio | 11.1835% | 6,209 |
| Total risk-based capital ratio | 12.0494% | 6,532 |
| Memoranda: | ||
| Average total assets | $108,274,500 | 4,828 |
| Average earning assets | $102,047,000 | 4,726 |
| Average equity | $11,105,000 | 4,898 |
| Average total loans | $93,630,250 | 4,032 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6981% | 6,149 |
| Cost of funding earning assets | 0.7002% | 7,192 |
| Net interest margin | 3.9979% | 3,021 |
| Noninterest income to average assets | 1.0095% | 1,355 |
| Noninterest expense to average assets | 3.0943% | 3,351 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6757% | 610 |
| Return on assets (ROA) | 1.6757% | 657 |
| Pretax return on assets | 1.6757% | 1,103 |
| Return on Equity (ROE) | 16.2926% | 665 |
| Retained earnings to average equity (ytd only) | 6.2580% | 2,197 |
| Net charge-offs to loans | 0.0088% | 6,234 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 223.2500% | 150 |
| Efficiency ratio | 64.8702% | 5,176 |
| Assets per employee ($millions) | 4.5888% | 2,743 |
| Cash dividends to net income (ytd only)* | 61.5901% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8722% | 6,847 |
| Loan loss allowance to noncurrent loans | 51.7681% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 2.5642% | 2,827 |
| Noncurrent loans to loans | 1.6847% | 4,164 |
| Net loans and leases to total assets | 92.1594% | 29 |
| Net loans and leases to deposits | 102.5813% | 563 |
| Net loans and leases to core deposits | 104.0035% | 1,643 |
| Total domestic deposits to total assets | 89.8404% | 995 |
| Equity capital to assets | 10.0252% | 3,994 |
| Core capital (leverage) ratio | 10.2577% | 2,884 |
| Tier 1 risk-based capital ratio | 10.4573% | 6,716 |
| Total risk-based capital ratio | 11.3031% | 6,975 |
| Memoranda: | ||
| Average total assets | $106,584,670 | 4,899 |
| Average earning assets | $100,253,670 | 4,801 |
| Average equity | $10,962,000 | 4,933 |
| Average total loans | $91,398,000 | 4,116 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6824% | 6,307 |
| Cost of funding earning assets | 0.6904% | 7,353 |
| Net interest margin | 3.9920% | 2,901 |
| Noninterest income to average assets | 1.0266% | 1,217 |
| Noninterest expense to average assets | 3.0684% | 3,399 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7097% | 605 |
| Return on assets (ROA) | 1.7097% | 657 |
| Pretax return on assets | 1.7097% | 1,043 |
| Return on Equity (ROE) | 16.4065% | 667 |
| Retained earnings to average equity (ytd only) | 16.4065% | 312 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2173% | 5,454 |
| Assets per employee ($millions) | 4.2006% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 6,110 |
| Loan loss allowance to noncurrent loans | 67.2414% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 2.3739% | 3,056 |
| Noncurrent loans to loans | 1.6038% | 4,339 |
| Net loans and leases to total assets | 78.3498% | 1,084 |
| Net loans and leases to deposits | 87.7521% | 2,267 |
| Net loans and leases to core deposits | 88.5520% | 3,558 |
| Total domestic deposits to total assets | 89.2853% | 1,374 |
| Equity capital to assets | 10.6147% | 3,132 |
| Core capital (leverage) ratio | 10.7145% | 2,446 |
| Tier 1 risk-based capital ratio | 12.5722% | 4,671 |
| Total risk-based capital ratio | 13.5839% | 4,832 |
| Memoranda: | ||
| Average total assets | $104,811,000 | 5,015 |
| Average earning assets | $98,497,500 | 4,918 |
| Average equity | $10,922,500 | 5,002 |
| Average total loans | $85,902,000 | 4,324 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9590% | 6,557 |
| Cost of funding earning assets | 0.7912% | 7,571 |
| Net interest margin | 4.1677% | 2,193 |
| Noninterest income to average assets | 1.3501% | 817 |
| Noninterest expense to average assets | 2.9560% | 4,322 |
| Loan and lease loss provision to assets | 0.2424% | 5,443 |
| Net operating income to assets | 1.9471% | 254 |
| Return on assets (ROA) | 1.9471% | 266 |
| Pretax return on assets | 1.9471% | 451 |
| Return on Equity (ROE) | 18.2206% | 349 |
| Retained earnings to average equity (ytd only) | -10.6974% | 6,567 |
| Net charge-offs to loans | 0.4191% | 4,127 |
| Credit loss provision to net charge-offs | 68.0108% | 6,528 |
| Earnings coverage of net charge-offs (x) | 6.1425% | 2,429 |
| Efficiency ratio | 57.4488% | 6,841 |
| Assets per employee ($millions) | 4.1843% | 3,468 |
| Cash dividends to net income (ytd only)* | 158.7106% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 6,307 |
| Loan loss allowance to noncurrent loans | 65.7143% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 2.4358% | 2,856 |
| Noncurrent loans to loans | 1.5401% | 4,344 |
| Net loans and leases to total assets | 83.8672% | 447 |
| Net loans and leases to deposits | 93.5039% | 1,660 |
| Net loans and leases to core deposits | 104.7409% | 3,482 |
| Total domestic deposits to total assets | 89.6938% | 1,112 |
| Equity capital to assets | 10.2268% | 3,484 |
| Core capital (leverage) ratio | 10.3287% | 2,765 |
| Tier 1 risk-based capital ratio | 11.3812% | 5,534 |
| Total risk-based capital ratio | 12.3355% | 5,793 |
| Memoranda: | ||
| Average total assets | $104,362,400 | 4,974 |
| Average earning assets | $95,039,800 | 4,972 |
| Average equity | $11,152,200 | 4,980 |
| Average total loans | $88,752,000 | 4,247 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9743% | 6,681 |
| Cost of funding earning assets | 0.8222% | 7,666 |
| Net interest margin | 4.1521% | 2,207 |
| Noninterest income to average assets | 1.1224% | 1,257 |
| Noninterest expense to average assets | 2.9440% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.9290% | 337 |
| Return on assets (ROA) | 1.9290% | 366 |
| Pretax return on assets | 1.9290% | 622 |
| Return on Equity (ROE) | 17.8590% | 472 |
| Retained earnings to average equity (ytd only) | -10.2491% | 6,828 |
| Net charge-offs to loans | -0.0120% | 7,708 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4145% | 6,354 |
| Assets per employee ($millions) | 4.3416% | 3,136 |
| Cash dividends to net income (ytd only)* | 157.3891% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 5,518 |
| Loan loss allowance to noncurrent loans | 98.5563% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 2.1469% | 3,162 |
| Noncurrent loans to loans | 1.1501% | 5,021 |
| Net loans and leases to total assets | 85.7185% | 368 |
| Net loans and leases to deposits | 96.0449% | 1,570 |
| Net loans and leases to core deposits | 108.1202% | 3,455 |
| Total domestic deposits to total assets | 89.2484% | 1,083 |
| Equity capital to assets | 10.5808% | 3,426 |
| Core capital (leverage) ratio | 10.7819% | 2,570 |
| Tier 1 risk-based capital ratio | 11.5668% | 5,372 |
| Total risk-based capital ratio | 12.6411% | 5,489 |
| Memoranda: | ||
| Average total assets | $104,301,250 | 5,006 |
| Average earning assets | $94,215,500 | 5,033 |
| Average equity | $11,265,750 | 4,997 |
| Average total loans | $88,783,000 | 4,289 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9887% | 6,810 |
| Cost of funding earning assets | 0.8645% | 7,735 |
| Net interest margin | 4.1242% | 2,243 |
| Noninterest income to average assets | 1.1252% | 1,248 |
| Noninterest expense to average assets | 2.9405% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8517% | 413 |
| Return on assets (ROA) | 1.8517% | 448 |
| Pretax return on assets | 1.8517% | 772 |
| Return on Equity (ROE) | 17.0280% | 576 |
| Retained earnings to average equity (ytd only) | -16.0233% | 7,297 |
| Net charge-offs to loans | -0.0204% | 7,702 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3600% | 6,335 |
| Assets per employee ($millions) | 4.1777% | 3,337 |
| Cash dividends to net income (ytd only)* | 194.0994% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 4,759 |
| Loan loss allowance to noncurrent loans | 97.8988% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 2.4296% | 2,656 |
| Noncurrent loans to loans | 1.2541% | 4,696 |
| Net loans and leases to total assets | 82.2460% | 916 |
| Net loans and leases to deposits | 92.5169% | 2,364 |
| Net loans and leases to core deposits | 105.8275% | 3,857 |
| Total domestic deposits to total assets | 88.8984% | 1,318 |
| Equity capital to assets | 10.9530% | 2,961 |
| Core capital (leverage) ratio | 10.7154% | 2,650 |
| Tier 1 risk-based capital ratio | 12.2845% | 4,689 |
| Total risk-based capital ratio | 13.4311% | 4,684 |
| Memoranda: | ||
| Average total assets | $104,335,670 | 5,036 |
| Average earning assets | $92,769,000 | 5,101 |
| Average equity | $11,346,000 | 4,991 |
| Average total loans | $88,263,670 | 4,327 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9850% | 6,965 |
| Cost of funding earning assets | 0.9371% | 7,765 |
| Net interest margin | 4.0479% | 2,461 |
| Noninterest income to average assets | 1.1845% | 1,041 |
| Noninterest expense to average assets | 2.8166% | 4,492 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8765% | 455 |
| Return on assets (ROA) | 1.8765% | 507 |
| Pretax return on assets | 1.8765% | 843 |
| Return on Equity (ROE) | 17.3144% | 656 |
| Retained earnings to average equity (ytd only) | -25.1908% | 7,773 |
| Net charge-offs to loans | -0.0044% | 7,166 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0160% | 6,401 |
| Assets per employee ($millions) | 4.3801% | 2,921 |
| Cash dividends to net income (ytd only)* | 245.4910% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 4,390 |
| Loan loss allowance to noncurrent loans | 46.0181% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 2.1023% | 2,746 |
| Noncurrent loans to loans | 2.7249% | 2,409 |
| Net loans and leases to total assets | 76.1831% | 2,231 |
| Net loans and leases to deposits | 85.3404% | 3,748 |
| Net loans and leases to core deposits | 96.6837% | 4,879 |
| Total domestic deposits to total assets | 89.2697% | 1,112 |
| Equity capital to assets | 10.6209% | 3,356 |
| Core capital (leverage) ratio | 10.5698% | 2,847 |
| Tier 1 risk-based capital ratio | 13.1112% | 4,112 |
| Total risk-based capital ratio | 14.3055% | 4,067 |
| Memoranda: | ||
| Average total assets | $106,371,000 | 4,996 |
| Average earning assets | $92,196,000 | 5,140 |
| Average equity | $11,528,000 | 4,971 |
| Average total loans | $90,651,000 | 4,289 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6827% | 6,830 |
| Cost of funding earning assets | 1.4686% | 7,657 |
| Net interest margin | 4.2141% | 2,263 |
| Noninterest income to average assets | 1.4428% | 685 |
| Noninterest expense to average assets | 2.5145% | 5,950 |
| Loan and lease loss provision to assets | 0.5200% | 2,735 |
| Net operating income to assets | 2.3194% | 187 |
| Return on assets (ROA) | 2.3194% | 179 |
| Pretax return on assets | 2.3194% | 299 |
| Return on Equity (ROE) | 22.9435% | 216 |
| Retained earnings to average equity (ytd only) | 11.7949% | 241 |
| Net charge-offs to loans | 0.1775% | 4,426 |
| Credit loss provision to net charge-offs | 341.0714% | 1,330 |
| Earnings coverage of net charge-offs (x) | 18.6250% | 1,692 |
| Efficiency ratio | 46.9661% | 7,876 |
| Assets per employee ($millions) | 4.1392% | 3,235 |
| Cash dividends to net income (ytd only)* | 48.5915% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 5,895 |
| Loan loss allowance to noncurrent loans | 36.5468% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 2.5832% | 1,867 |
| Noncurrent loans to loans | 2.7745% | 1,960 |
| Net loans and leases to total assets | 92.1612% | 78 |
| Net loans and leases to deposits | 103.7609% | 1,366 |
| Net loans and leases to core deposits | 118.1298% | 2,870 |
| Total domestic deposits to total assets | 88.8207% | 1,104 |
| Equity capital to assets | 11.0492% | 3,004 |
| Core capital (leverage) ratio | 10.6651% | 2,851 |
| Tier 1 risk-based capital ratio | 11.5442% | 5,202 |
| Total risk-based capital ratio | 12.5306% | 5,346 |
| Memoranda: | ||
| Average total assets | $110,202,000 | 4,774 |
| Average earning assets | $102,276,200 | 4,740 |
| Average equity | $11,140,400 | 5,087 |
| Average total loans | $94,647,200 | 4,092 |