Home > New York National Bank > Performance and Condition Ratios
New York National Bank, Performance and Condition Ratios
| 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 | 5.1133% | 6,032 |
| Cost of funding earning assets | 0.6394% | 7,746 |
| Net interest margin | 4.4740% | 1,227 |
| Noninterest income to average assets | 1.1863% | 1,094 |
| Noninterest expense to average assets | 4.8295% | 594 |
| Loan and lease loss provision to assets | 1.0457% | 2,192 |
| Net operating income to assets | -0.3437% | 6,020 |
| Return on assets (ROA) | -0.3437% | 6,010 |
| Pretax return on assets | -0.7449% | 6,235 |
| Return on Equity (ROE) | -4.0081% | 6,108 |
| Retained earnings to average equity (ytd only) | -4.0081% | 5,861 |
| Net charge-offs to loans | 1.4928% | 1,678 |
| Credit loss provision to net charge-offs | 131.9149% | 3,810 |
| Earnings coverage of net charge-offs (x) | 0.3794% | 5,735 |
| Efficiency ratio | 86.4932% | 2,056 |
| Assets per employee ($millions) | 4.5133% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8531% | 879 |
| Loan loss allowance to noncurrent loans | 23.2059% | 6,904 |
| Noncurrent assets plus other real estate owned to assets | 6.1648% | 906 |
| Noncurrent loans to loans | 12.2948% | 268 |
| Net loans and leases to total assets | 47.3279% | 6,868 |
| Net loans and leases to deposits | 54.1842% | 7,040 |
| Net loans and leases to core deposits | 68.8266% | 6,832 |
| Total domestic deposits to total assets | 87.3462% | 2,303 |
| Equity capital to assets | 9.8576% | 3,935 |
| Core capital (leverage) ratio | 8.3043% | 5,605 |
| Tier 1 risk-based capital ratio | 13.4483% | 3,850 |
| Total risk-based capital ratio | 14.6989% | 3,801 |
| Memoranda: | ||
| Average total assets | $142,292,200 | 4,074 |
| Average earning assets | $125,437,000 | 4,182 |
| Average equity | $12,200,200 | 4,705 |
| Average total loans | $75,560,800 | 4,668 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1248% | 6,186 |
| Cost of funding earning assets | 0.6975% | 7,816 |
| Net interest margin | 4.4274% | 1,371 |
| Noninterest income to average assets | 1.2267% | 1,023 |
| Noninterest expense to average assets | 5.0827% | 458 |
| Loan and lease loss provision to assets | 1.3026% | 1,478 |
| Net operating income to assets | -0.6231% | 6,545 |
| Return on assets (ROA) | -0.6231% | 6,553 |
| Pretax return on assets | -1.2563% | 6,841 |
| Return on Equity (ROE) | -7.5319% | 6,698 |
| Retained earnings to average equity (ytd only) | -7.5319% | 6,550 |
| Net charge-offs to loans | 2.0318% | 964 |
| Credit loss provision to net charge-offs | 118.4343% | 4,282 |
| Earnings coverage of net charge-offs (x) | 0.0421% | 6,009 |
| Efficiency ratio | 91.5343% | 1,576 |
| Assets per employee ($millions) | 4.4641% | 2,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1683% | 1,479 |
| Loan loss allowance to noncurrent loans | 27.2927% | 6,642 |
| Noncurrent assets plus other real estate owned to assets | 5.0604% | 1,155 |
| Noncurrent loans to loans | 7.9448% | 615 |
| Net loans and leases to total assets | 58.6539% | 5,782 |
| Net loans and leases to deposits | 66.5061% | 6,259 |
| Net loans and leases to core deposits | 85.4335% | 5,925 |
| Total domestic deposits to total assets | 88.1932% | 1,567 |
| Equity capital to assets | 8.8110% | 5,769 |
| Core capital (leverage) ratio | 7.0266% | 7,418 |
| Tier 1 risk-based capital ratio | 9.5491% | 7,336 |
| Total risk-based capital ratio | 10.8062% | 7,291 |
| Memoranda: | ||
| Average total assets | $144,015,750 | 4,070 |
| Average earning assets | $126,934,500 | 4,186 |
| Average equity | $11,913,500 | 4,818 |
| Average total loans | $77,960,250 | 4,624 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1181% | 6,359 |
| Cost of funding earning assets | 0.7716% | 7,853 |
| Net interest margin | 4.3465% | 1,535 |
| Noninterest income to average assets | 1.2078% | 1,068 |
| Noninterest expense to average assets | 5.4132% | 396 |
| Loan and lease loss provision to assets | 1.5280% | 1,116 |
| Net operating income to assets | -0.9811% | 6,966 |
| Return on assets (ROA) | -0.9811% | 6,966 |
| Pretax return on assets | -1.9039% | 7,250 |
| Return on Equity (ROE) | -12.0991% | 7,180 |
| Retained earnings to average equity (ytd only) | -12.0991% | 7,064 |
| Net charge-offs to loans | 1.9771% | 937 |
| Credit loss provision to net charge-offs | 147.5754% | 3,129 |
| Earnings coverage of net charge-offs (x) | -0.3630% | 6,001 |
| Efficiency ratio | 99.9461% | 1,177 |
| Assets per employee ($millions) | 4.5233% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2541% | 1,159 |
| Loan loss allowance to noncurrent loans | 57.9109% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 2.5460% | 2,527 |
| Noncurrent loans to loans | 3.8923% | 1,747 |
| Net loans and leases to total assets | 58.2940% | 5,925 |
| Net loans and leases to deposits | 66.0203% | 6,392 |
| Net loans and leases to core deposits | 89.8549% | 5,545 |
| Total domestic deposits to total assets | 88.2971% | 1,629 |
| Equity capital to assets | 8.2491% | 6,416 |
| Core capital (leverage) ratio | 6.1429% | 7,892 |
| Tier 1 risk-based capital ratio | 9.1214% | 7,629 |
| Total risk-based capital ratio | 10.3807% | 7,632 |
| Memoranda: | ||
| Average total assets | $147,380,000 | 4,042 |
| Average earning assets | $129,853,000 | 4,135 |
| Average equity | $11,951,330 | 4,823 |
| Average total loans | $77,183,000 | 4,688 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8019% | 7,366 |
| Cost of funding earning assets | 0.7883% | 7,921 |
| Net interest margin | 4.0136% | 2,591 |
| Noninterest income to average assets | 0.6068% | 3,501 |
| Noninterest expense to average assets | 3.8686% | 1,349 |
| Loan and lease loss provision to assets | 1.5898% | 793 |
| Net operating income to assets | -0.7499% | 7,097 |
| Return on assets (ROA) | -0.7499% | 7,130 |
| Pretax return on assets | -1.3037% | 7,302 |
| Return on Equity (ROE) | -9.3219% | 7,319 |
| Retained earnings to average equity (ytd only) | -9.3219% | 7,042 |
| Net charge-offs to loans | 2.8609% | 455 |
| Credit loss provision to net charge-offs | 113.4216% | 3,424 |
| Earnings coverage of net charge-offs (x) | 0.2042% | 4,818 |
| Efficiency ratio | 84.1837% | 2,280 |
| Assets per employee ($millions) | 3.7381% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1573% | 1,132 |
| Loan loss allowance to noncurrent loans | 48.3020% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 2.1006% | 2,749 |
| Noncurrent loans to loans | 4.4664% | 1,290 |
| Net loans and leases to total assets | 46.0172% | 7,186 |
| Net loans and leases to deposits | 51.1940% | 7,451 |
| Net loans and leases to core deposits | 65.5679% | 7,254 |
| Total domestic deposits to total assets | 89.8880% | 847 |
| Equity capital to assets | 7.6961% | 7,184 |
| Core capital (leverage) ratio | 6.2234% | 7,964 |
| Tier 1 risk-based capital ratio | 10.0487% | 6,855 |
| Total risk-based capital ratio | 11.2925% | 6,786 |
| Memoranda: | ||
| Average total assets | $150,959,000 | 3,995 |
| Average earning assets | $133,447,000 | 4,083 |
| Average equity | $12,143,500 | 4,799 |
| Average total loans | $73,961,500 | 4,834 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5997% | 7,067 |
| Cost of funding earning assets | 1.3448% | 7,799 |
| Net interest margin | 4.2549% | 2,109 |
| Noninterest income to average assets | 1.1824% | 1,093 |
| Noninterest expense to average assets | 4.8993% | 664 |
| Loan and lease loss provision to assets | 1.0526% | 1,387 |
| Net operating income to assets | -0.5975% | 7,001 |
| Return on assets (ROA) | -0.5975% | 6,893 |
| Pretax return on assets | -1.0463% | 7,029 |
| Return on Equity (ROE) | -6.7548% | 7,022 |
| Retained earnings to average equity (ytd only) | -6.7548% | 6,756 |
| Net charge-offs to loans | 1.8164% | 604 |
| Credit loss provision to net charge-offs | 121.1461% | 4,428 |
| Earnings coverage of net charge-offs (x) | 0.0073% | 6,240 |
| Efficiency ratio | 91.8942% | 1,386 |
| Assets per employee ($millions) | 3.2935% | 5,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0545% | 1,139 |
| Loan loss allowance to noncurrent loans | 65.7168% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 1.8155% | 2,711 |
| Noncurrent loans to loans | 3.1263% | 1,694 |
| Net loans and leases to total assets | 50.0704% | 7,027 |
| Net loans and leases to deposits | 56.2847% | 7,301 |
| Net loans and leases to core deposits | 83.1996% | 6,363 |
| Total domestic deposits to total assets | 88.9591% | 1,060 |
| Equity capital to assets | 8.4214% | 6,219 |
| Core capital (leverage) ratio | 6.5341% | 7,924 |
| Tier 1 risk-based capital ratio | 10.1318% | 6,592 |
| Total risk-based capital ratio | 11.3857% | 6,455 |
| Memoranda: | ||
| Average total assets | $142,592,800 | 4,032 |
| Average earning assets | $124,775,200 | 4,162 |
| Average equity | $12,613,200 | 4,672 |
| Average total loans | $68,212,800 | 4,936 |