Home > New Liberty Bank > Performance and Condition Ratios
New Liberty Bank, 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 | 5.1496% | 4,300 |
| Cost of funding earning assets | 2.4471% | 262 |
| Net interest margin | 2.7025% | 7,300 |
| Noninterest income to average assets | -0.7790% | 7,885 |
| Noninterest expense to average assets | 3.2865% | 2,570 |
| Loan and lease loss provision to assets | 4.9796% | 161 |
| Net operating income to assets | -6.5980% | 7,836 |
| Return on assets (ROA) | -6.5980% | 7,839 |
| Pretax return on assets | -6.5980% | 7,827 |
| Return on Equity (ROE) | -710.0478% | 7,923 |
| Retained earnings to average equity (ytd only) | -710.0478% | 7,923 |
| Net charge-offs to loans | 4.9142% | 249 |
| Credit loss provision to net charge-offs | 122.8070% | 2,848 |
| Earnings coverage of net charge-offs (x) | -0.3991% | 5,246 |
| Efficiency ratio | 197.0149% | 97 |
| Assets per employee ($millions) | 6.1799% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3154% | 1,555 |
| Loan loss allowance to noncurrent loans | 19.1317% | 7,054 |
| Noncurrent assets plus other real estate owned to assets | 12.9532% | 209 |
| Noncurrent loans to loans | 12.1025% | 287 |
| Net loans and leases to total assets | 79.7211% | 873 |
| Net loans and leases to deposits | 87.0411% | 2,398 |
| Net loans and leases to core deposits | 99.8829% | 2,145 |
| Total domestic deposits to total assets | 91.5902% | 348 |
| Equity capital to assets | 0.1052% | 7,917 |
| Core capital (leverage) ratio | 0.0951% | 7,917 |
| Tier 1 risk-based capital ratio | 0.1183% | 7,917 |
| Total risk-based capital ratio | 0.2367% | 7,917 |
| Memoranda: | ||
| Average total assets | $112,458,500 | 4,808 |
| Average earning assets | $101,833,500 | 4,818 |
| Average equity | $1,045,000 | 7,885 |
| Average total loans | $92,792,000 | 4,144 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7100% | 3,049 |
| Cost of funding earning assets | 3.1184% | 160 |
| Net interest margin | 2.5915% | 7,341 |
| Noninterest income to average assets | 0.2121% | 6,592 |
| Noninterest expense to average assets | 3.1192% | 3,652 |
| Loan and lease loss provision to assets | 2.7612% | 670 |
| Net operating income to assets | -3.3024% | 7,463 |
| Return on assets (ROA) | -3.3024% | 7,460 |
| Pretax return on assets | -3.3024% | 7,371 |
| Return on Equity (ROE) | -89.3874% | 7,900 |
| Retained earnings to average equity (ytd only) | -89.3874% | 7,898 |
| Net charge-offs to loans | 3.8449% | 443 |
| Credit loss provision to net charge-offs | 85.6354% | 6,144 |
| Earnings coverage of net charge-offs (x) | -0.1679% | 6,408 |
| Efficiency ratio | 120.9937% | 591 |
| Assets per employee ($millions) | 7.1049% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9430% | 2,161 |
| Loan loss allowance to noncurrent loans | 19.3548% | 7,092 |
| Noncurrent assets plus other real estate owned to assets | 11.1314% | 293 |
| Noncurrent loans to loans | 10.0389% | 408 |
| Net loans and leases to total assets | 81.7740% | 722 |
| Net loans and leases to deposits | 94.4533% | 1,541 |
| Net loans and leases to core deposits | 116.8076% | 2,235 |
| Total domestic deposits to total assets | 86.5761% | 2,720 |
| Equity capital to assets | 1.7356% | 7,966 |
| Core capital (leverage) ratio | 1.6840% | 7,964 |
| Tier 1 risk-based capital ratio | 2.0466% | 7,969 |
| Total risk-based capital ratio | 4.0933% | 7,952 |
| Memoranda: | ||
| Average total assets | $117,883,400 | 4,635 |
| Average earning assets | $107,619,000 | 4,643 |
| Average equity | $4,355,200 | 7,160 |
| Average total loans | $98,858,600 | 3,987 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7114% | 3,286 |
| Cost of funding earning assets | 3.2298% | 172 |
| Net interest margin | 2.4816% | 7,482 |
| Noninterest income to average assets | 0.3172% | 5,941 |
| Noninterest expense to average assets | 3.1568% | 3,442 |
| Loan and lease loss provision to assets | 1.4630% | 1,313 |
| Net operating income to assets | -2.0347% | 7,336 |
| Return on assets (ROA) | -2.0347% | 7,332 |
| Pretax return on assets | -2.0347% | 7,198 |
| Return on Equity (ROE) | -48.8803% | 7,822 |
| Retained earnings to average equity (ytd only) | -48.8803% | 7,819 |
| Net charge-offs to loans | 1.9237% | 1,034 |
| Credit loss provision to net charge-offs | 90.5621% | 5,469 |
| Earnings coverage of net charge-offs (x) | -0.3539% | 6,389 |
| Efficiency ratio | 122.1162% | 559 |
| Assets per employee ($millions) | 5.9211% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2986% | 1,300 |
| Loan loss allowance to noncurrent loans | 21.0921% | 7,032 |
| Noncurrent assets plus other real estate owned to assets | 12.3440% | 208 |
| Noncurrent loans to loans | 10.8979% | 335 |
| Net loans and leases to total assets | 85.0853% | 429 |
| Net loans and leases to deposits | 100.9843% | 1,015 |
| Net loans and leases to core deposits | 121.8413% | 2,087 |
| Total domestic deposits to total assets | 84.2560% | 3,600 |
| Equity capital to assets | 3.6000% | 8,016 |
| Core capital (leverage) ratio | 3.3138% | 8,018 |
| Tier 1 risk-based capital ratio | 4.0370% | 8,027 |
| Total risk-based capital ratio | 6.3474% | 7,995 |
| Memoranda: | ||
| Average total assets | $118,934,750 | 4,629 |
| Average earning assets | $108,692,500 | 4,630 |
| Average equity | $4,950,750 | 7,018 |
| Average total loans | $99,873,000 | 3,986 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6297% | 3,915 |
| Cost of funding earning assets | 3.2535% | 232 |
| Net interest margin | 2.3762% | 7,596 |
| Noninterest income to average assets | 0.3419% | 5,772 |
| Noninterest expense to average assets | 3.2557% | 3,134 |
| Loan and lease loss provision to assets | 1.1860% | 1,451 |
| Net operating income to assets | -1.9210% | 7,410 |
| Return on assets (ROA) | -1.9210% | 7,399 |
| Pretax return on assets | -1.9210% | 7,262 |
| Return on Equity (ROE) | -44.2963% | 7,877 |
| Retained earnings to average equity (ytd only) | -44.2963% | 7,864 |
| Net charge-offs to loans | 1.4208% | 1,323 |
| Credit loss provision to net charge-offs | 100.5602% | 4,538 |
| Earnings coverage of net charge-offs (x) | -0.6232% | 6,128 |
| Efficiency ratio | 129.1612% | 534 |
| Assets per employee ($millions) | 6.1629% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4462% | 946 |
| Loan loss allowance to noncurrent loans | 25.6021% | 6,803 |
| Noncurrent assets plus other real estate owned to assets | 9.7754% | 312 |
| Noncurrent loans to loans | 9.5548% | 380 |
| Net loans and leases to total assets | 77.3913% | 1,884 |
| Net loans and leases to deposits | 93.7016% | 2,139 |
| Net loans and leases to core deposits | 112.8567% | 3,031 |
| Total domestic deposits to total assets | 82.5934% | 4,429 |
| Equity capital to assets | 3.8164% | 8,104 |
| Core capital (leverage) ratio | 3.7861% | 8,104 |
| Tier 1 risk-based capital ratio | 4.5873% | 8,112 |
| Total risk-based capital ratio | 6.8766% | 8,079 |
| Memoranda: | ||
| Average total assets | $121,079,670 | 4,601 |
| Average earning assets | $111,019,330 | 4,601 |
| Average equity | $5,251,000 | 6,980 |
| Average total loans | $100,506,330 | 3,999 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9094% | 2,750 |
| Cost of funding earning assets | 3.2972% | 271 |
| Net interest margin | 2.6122% | 7,354 |
| Noninterest income to average assets | 0.3634% | 5,530 |
| Noninterest expense to average assets | 2.8736% | 4,252 |
| Loan and lease loss provision to assets | 1.8935% | 646 |
| Net operating income to assets | -2.0135% | 7,665 |
| Return on assets (ROA) | -2.0135% | 7,661 |
| Pretax return on assets | -2.0135% | 7,538 |
| Return on Equity (ROE) | -43.7325% | 8,018 |
| Retained earnings to average equity (ytd only) | -43.7325% | 8,000 |
| Net charge-offs to loans | 1.1780% | 1,172 |
| Credit loss provision to net charge-offs | 189.3333% | 2,319 |
| Earnings coverage of net charge-offs (x) | -0.1200% | 5,091 |
| Efficiency ratio | 104.3584% | 973 |
| Assets per employee ($millions) | 5.7889% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6018% | 690 |
| Loan loss allowance to noncurrent loans | 40.0181% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 6.5964% | 546 |
| Noncurrent loans to loans | 6.5015% | 682 |
| Net loans and leases to total assets | 81.7893% | 1,049 |
| Net loans and leases to deposits | 99.7712% | 1,443 |
| Net loans and leases to core deposits | 118.7824% | 2,528 |
| Total domestic deposits to total assets | 81.9769% | 4,555 |
| Equity capital to assets | 4.3277% | 8,152 |
| Core capital (leverage) ratio | 4.3721% | 8,156 |
| Tier 1 risk-based capital ratio | 5.1249% | 8,168 |
| Total risk-based capital ratio | 7.4153% | 8,141 |
| Memoranda: | ||
| Average total assets | $119,990,500 | 4,655 |
| Average earning assets | $109,790,500 | 4,646 |
| Average equity | $5,524,500 | 6,939 |
| Average total loans | $101,868,000 | 3,983 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4814% | 3,053 |
| Cost of funding earning assets | 3.6280% | 344 |
| Net interest margin | 2.8534% | 7,246 |
| Noninterest income to average assets | 0.2964% | 6,340 |
| Noninterest expense to average assets | 3.0677% | 3,831 |
| Loan and lease loss provision to assets | 3.6962% | 197 |
| Net operating income to assets | -3.8566% | 7,967 |
| Return on assets (ROA) | -3.8566% | 7,946 |
| Pretax return on assets | -3.8566% | 7,868 |
| Return on Equity (ROE) | -54.9879% | 8,178 |
| Retained earnings to average equity (ytd only) | -54.9879% | 8,163 |
| Net charge-offs to loans | 3.3856% | 237 |
| Credit loss provision to net charge-offs | 129.5844% | 4,109 |
| Earnings coverage of net charge-offs (x) | -0.0562% | 6,290 |
| Efficiency ratio | 87.8861% | 1,688 |
| Assets per employee ($millions) | 5.9208% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3492% | 800 |
| Loan loss allowance to noncurrent loans | 41.7483% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 5.2612% | 637 |
| Noncurrent loans to loans | 5.6270% | 693 |
| Net loans and leases to total assets | 83.8272% | 914 |
| Net loans and leases to deposits | 103.3429% | 1,421 |
| Net loans and leases to core deposits | 201.3754% | 163 |
| Total domestic deposits to total assets | 81.1156% | 4,586 |
| Equity capital to assets | 4.8879% | 8,202 |
| Core capital (leverage) ratio | 4.9031% | 8,218 |
| Tier 1 risk-based capital ratio | 5.6285% | 8,248 |
| Total risk-based capital ratio | 7.9140% | 8,206 |
| Memoranda: | ||
| Average total assets | $114,712,000 | 4,652 |
| Average earning assets | $104,961,800 | 4,647 |
| Average equity | $8,045,400 | 6,073 |
| Average total loans | $96,645,000 | 4,045 |