Home > Halifax National Bank > Performance and Condition Ratios
Halifax National Bank, Performance and Condition Ratios
| 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 | 6.4421% | 3,215 |
| Cost of funding earning assets | 2.8422% | 2,515 |
| Net interest margin | 3.5999% | 4,885 |
| Noninterest income to average assets | 0.8555% | 2,195 |
| Noninterest expense to average assets | 3.8590% | 1,642 |
| Loan and lease loss provision to assets | 0.6648% | 2,182 |
| Net operating income to assets | -0.1746% | 6,589 |
| Return on assets (ROA) | -0.1746% | 6,437 |
| Pretax return on assets | -0.4058% | 6,551 |
| Return on Equity (ROE) | -1.4426% | 6,421 |
| Retained earnings to average equity (ytd only) | -3.8883% | 6,301 |
| Net charge-offs to loans | 0.2087% | 4,118 |
| Credit loss provision to net charge-offs | 429.1045% | 1,019 |
| Earnings coverage of net charge-offs (x) | 1.6716% | 5,252 |
| Efficiency ratio | 93.7114% | 1,292 |
| Assets per employee ($millions) | 3.9226% | 3,672 |
| Cash dividends to net income (ytd only)* | -169.5364% | 8,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 3,060 |
| Loan loss allowance to noncurrent loans | 638.8158% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 6,894 |
| Noncurrent loans to loans | 0.2228% | 6,721 |
| Net loans and leases to total assets | 74.5375% | 2,978 |
| Net loans and leases to deposits | 91.3906% | 3,233 |
| Net loans and leases to core deposits | 109.6121% | 3,806 |
| Total domestic deposits to total assets | 81.5593% | 4,385 |
| Equity capital to assets | 10.9755% | 3,061 |
| Core capital (leverage) ratio | 11.0762% | 2,530 |
| Tier 1 risk-based capital ratio | 16.1765% | 2,596 |
| Total risk-based capital ratio | 17.4303% | 2,530 |
| Memoranda: | ||
| Average total assets | $86,498,600 | 5,462 |
| Average earning assets | $78,390,400 | 5,479 |
| Average equity | $10,467,400 | 5,275 |
| Average total loans | $64,212,600 | 5,091 |