Home > Jennings State Bank > Performance and Condition Ratios
Jennings State Bank, Performance and Condition Ratios
| 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 | 5.9577% | 2,205 |
| Cost of funding earning assets | 2.7772% | 636 |
| Net interest margin | 3.1805% | 6,086 |
| Noninterest income to average assets | 0.7074% | 2,969 |
| Noninterest expense to average assets | 6.7105% | 223 |
| Loan and lease loss provision to assets | 1.9961% | 906 |
| Net operating income to assets | -5.0434% | 7,844 |
| Return on assets (ROA) | -5.0434% | 7,847 |
| Pretax return on assets | -5.5801% | 7,875 |
| Return on Equity (ROE) | -134.1028% | 8,053 |
| Retained earnings to average equity (ytd only) | -134.1028% | 8,052 |
| Net charge-offs to loans | 2.0811% | 937 |
| Credit loss provision to net charge-offs | 156.6990% | 3,041 |
| Earnings coverage of net charge-offs (x) | -2.8136% | 6,795 |
| Efficiency ratio | 214.6361% | 124 |
| Assets per employee ($millions) | 2.0939% | 7,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0226% | 136 |
| Loan loss allowance to noncurrent loans | 38.0825% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 14.3523% | 137 |
| Noncurrent loans to loans | 13.1886% | 212 |
| Net loans and leases to total assets | 56.6795% | 6,071 |
| Net loans and leases to deposits | 58.4044% | 6,939 |
| Net loans and leases to core deposits | 68.9071% | 7,022 |
| Total domestic deposits to total assets | 97.0466% | 17 |
| Equity capital to assets | 1.9180% | 8,057 |
| Core capital (leverage) ratio | -0.0647% | 8,087 |
| Tier 1 risk-based capital ratio | -0.0858% | 8,087 |
| Total risk-based capital ratio | -0.0858% | 8,087 |
| Memoranda: | ||
| Average total assets | $53,904,500 | 6,608 |
| Average earning assets | $40,999,250 | 6,957 |
| Average equity | $2,027,250 | 7,917 |
| Average total loans | $32,994,750 | 6,512 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0934% | 1,810 |
| Cost of funding earning assets | 2.8208% | 745 |
| Net interest margin | 3.2725% | 5,651 |
| Noninterest income to average assets | 0.4741% | 4,683 |
| Noninterest expense to average assets | 7.1623% | 207 |
| Loan and lease loss provision to assets | 2.2343% | 716 |
| Net operating income to assets | -5.6226% | 7,982 |
| Return on assets (ROA) | -5.6226% | 7,974 |
| Pretax return on assets | -6.4200% | 7,977 |
| Return on Equity (ROE) | -129.2050% | 8,111 |
| Retained earnings to average equity (ytd only) | -129.2050% | 8,109 |
| Net charge-offs to loans | 2.6742% | 632 |
| Credit loss provision to net charge-offs | 135.4120% | 3,439 |
| Earnings coverage of net charge-offs (x) | -2.5367% | 6,387 |
| Efficiency ratio | 240.6173% | 128 |
| Assets per employee ($millions) | 2.3163% | 7,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3964% | 188 |
| Loan loss allowance to noncurrent loans | 31.9751% | 6,333 |
| Noncurrent assets plus other real estate owned to assets | 14.1297% | 117 |
| Noncurrent loans to loans | 13.7495% | 163 |
| Net loans and leases to total assets | 56.1718% | 6,187 |
| Net loans and leases to deposits | 58.3322% | 6,998 |
| Net loans and leases to core deposits | 68.1663% | 7,108 |
| Total domestic deposits to total assets | 96.2962% | 23 |
| Equity capital to assets | 2.7216% | 8,126 |
| Core capital (leverage) ratio | 0.8282% | 8,168 |
| Tier 1 risk-based capital ratio | 1.1077% | 8,166 |
| Total risk-based capital ratio | 2.2155% | 8,166 |
| Memoranda: | ||
| Average total assets | $54,423,670 | 6,661 |
| Average earning assets | $41,619,000 | 6,990 |
| Average equity | $2,368,330 | 7,914 |
| Average total loans | $33,580,000 | 6,530 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2021% | 1,597 |
| Cost of funding earning assets | 2.8655% | 839 |
| Net interest margin | 3.3366% | 5,379 |
| Noninterest income to average assets | 0.5201% | 4,131 |
| Noninterest expense to average assets | 5.6687% | 339 |
| Loan and lease loss provision to assets | 2.0134% | 598 |
| Net operating income to assets | -3.7965% | 7,964 |
| Return on assets (ROA) | -3.7965% | 7,956 |
| Pretax return on assets | -4.6360% | 7,960 |
| Return on Equity (ROE) | -73.1044% | 8,110 |
| Retained earnings to average equity (ytd only) | -73.1044% | 8,099 |
| Net charge-offs to loans | 2.8203% | 464 |
| Credit loss provision to net charge-offs | 112.9167% | 3,433 |
| Earnings coverage of net charge-offs (x) | -1.4708% | 5,425 |
| Efficiency ratio | 186.0976% | 221 |
| Assets per employee ($millions) | 1.9610% | 7,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9590% | 230 |
| Loan loss allowance to noncurrent loans | 36.2729% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 13.0845% | 118 |
| Noncurrent loans to loans | 10.9144% | 232 |
| Net loans and leases to total assets | 55.7967% | 6,269 |
| Net loans and leases to deposits | 58.9303% | 6,980 |
| Net loans and leases to core deposits | 70.7397% | 6,978 |
| Total domestic deposits to total assets | 94.6825% | 25 |
| Equity capital to assets | 4.4646% | 8,146 |
| Core capital (leverage) ratio | 3.1186% | 8,203 |
| Tier 1 risk-based capital ratio | 4.4073% | 8,193 |
| Total risk-based capital ratio | 5.6872% | 8,190 |
| Memoranda: | ||
| Average total assets | $53,839,500 | 6,716 |
| Average earning assets | $40,760,500 | 7,068 |
| Average equity | $2,796,000 | 7,835 |
| Average total loans | $34,038,500 | 6,540 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9133% | 1,364 |
| Cost of funding earning assets | 2.8372% | 2,544 |
| Net interest margin | 4.0761% | 2,804 |
| Noninterest income to average assets | 0.7230% | 2,960 |
| Noninterest expense to average assets | 6.2917% | 363 |
| Loan and lease loss provision to assets | 2.1121% | 552 |
| Net operating income to assets | -2.5427% | 7,721 |
| Return on assets (ROA) | -2.5427% | 7,690 |
| Pretax return on assets | -4.2730% | 7,940 |
| Return on Equity (ROE) | -34.1312% | 8,011 |
| Retained earnings to average equity (ytd only) | -34.1312% | 7,972 |
| Net charge-offs to loans | 1.9910% | 543 |
| Credit loss provision to net charge-offs | 143.4483% | 3,683 |
| Earnings coverage of net charge-offs (x) | -1.4676% | 6,657 |
| Efficiency ratio | 152.3107% | 339 |
| Assets per employee ($millions) | 1.7521% | 8,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6446% | 248 |
| Loan loss allowance to noncurrent loans | 29.7808% | 6,715 |
| Noncurrent assets plus other real estate owned to assets | 15.1191% | 59 |
| Noncurrent loans to loans | 12.2381% | 124 |
| Net loans and leases to total assets | 66.4456% | 4,764 |
| Net loans and leases to deposits | 71.4337% | 6,120 |
| Net loans and leases to core deposits | 82.2436% | 6,438 |
| Total domestic deposits to total assets | 93.0171% | 53 |
| Equity capital to assets | 6.0087% | 8,059 |
| Core capital (leverage) ratio | 4.4771% | 8,244 |
| Tier 1 risk-based capital ratio | 5.7865% | 8,239 |
| Total risk-based capital ratio | 7.0621% | 8,241 |
| Memoranda: | ||
| Average total assets | $49,239,400 | 6,812 |
| Average earning assets | $41,166,800 | 6,985 |
| Average equity | $3,668,200 | 7,623 |
| Average total loans | $36,414,600 | 6,345 |