Home > North Houston Bank > Performance and Condition Ratios
North Houston 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 | 5.0876% | 6,312 |
| Cost of funding earning assets | 2.0770% | 3,002 |
| Net interest margin | 3.0106% | 6,577 |
| Noninterest income to average assets | -0.1155% | 7,940 |
| Noninterest expense to average assets | 2.9346% | 4,297 |
| Loan and lease loss provision to assets | 1.0397% | 1,847 |
| Net operating income to assets | -9.1557% | 8,032 |
| Return on assets (ROA) | -9.8323% | 8,043 |
| Pretax return on assets | -2.0675% | 7,212 |
| Return on Equity (ROE) | -104.0388% | 8,020 |
| Retained earnings to average equity (ytd only) | -104.0388% | 8,017 |
| Net charge-offs to loans | 0.2181% | 4,669 |
| Credit loss provision to net charge-offs | 588.7640% | 656 |
| Earnings coverage of net charge-offs (x) | -1.9888% | 6,741 |
| Efficiency ratio | 113.5945% | 702 |
| Assets per employee ($millions) | 5.5165% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4480% | 1,115 |
| Loan loss allowance to noncurrent loans | 19.1684% | 7,130 |
| Noncurrent assets plus other real estate owned to assets | 13.6785% | 159 |
| Noncurrent loans to loans | 12.7713% | 235 |
| Net loans and leases to total assets | 79.5818% | 1,264 |
| Net loans and leases to deposits | 84.3251% | 3,596 |
| Net loans and leases to core deposits | 139.1485% | 958 |
| Total domestic deposits to total assets | 94.3750% | 47 |
| Equity capital to assets | 4.8253% | 7,962 |
| Core capital (leverage) ratio | -2.2255% | 8,092 |
| Tier 1 risk-based capital ratio | -2.6863% | 8,090 |
| Total risk-based capital ratio | -2.6863% | 8,090 |
| Memoranda: | ||
| Average total assets | $335,984,500 | 2,038 |
| Average earning assets | $301,198,250 | 2,082 |
| Average equity | $31,752,750 | 2,130 |
| Average total loans | $272,035,500 | 1,785 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4753% | 4,750 |
| Cost of funding earning assets | 2.2458% | 2,597 |
| Net interest margin | 3.2294% | 5,807 |
| Noninterest income to average assets | 0.2180% | 6,744 |
| Noninterest expense to average assets | 3.0964% | 3,718 |
| Loan and lease loss provision to assets | -0.2356% | 8,177 |
| Net operating income to assets | 0.0942% | 5,584 |
| Return on assets (ROA) | 0.0919% | 5,688 |
| Pretax return on assets | 0.1873% | 5,502 |
| Return on Equity (ROE) | 0.8409% | 5,676 |
| Retained earnings to average equity (ytd only) | 0.8409% | 4,848 |
| Net charge-offs to loans | -0.0007% | 7,461 |
| Credit loss provision to net charge-offs | 40,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4672% | 1,105 |
| Assets per employee ($millions) | 5.0861% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 3,276 |
| Loan loss allowance to noncurrent loans | 49.3712% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 5.8559% | 837 |
| Noncurrent loans to loans | 3.0098% | 2,398 |
| Net loans and leases to total assets | 82.5395% | 860 |
| Net loans and leases to deposits | 95.7077% | 1,843 |
| Net loans and leases to core deposits | 158.8619% | 473 |
| Total domestic deposits to total assets | 86.2412% | 2,653 |
| Equity capital to assets | 11.9011% | 2,259 |
| Core capital (leverage) ratio | 8.1270% | 6,113 |
| Tier 1 risk-based capital ratio | 8.8973% | 7,744 |
| Total risk-based capital ratio | 10.3283% | 7,667 |
| Memoranda: | ||
| Average total assets | $339,488,000 | 2,038 |
| Average earning assets | $297,884,330 | 2,130 |
| Average equity | $37,102,000 | 1,842 |
| Average total loans | $274,208,000 | 1,800 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4556% | 5,146 |
| Cost of funding earning assets | 2.3466% | 2,518 |
| Net interest margin | 3.1090% | 6,170 |
| Noninterest income to average assets | 0.2094% | 6,796 |
| Noninterest expense to average assets | 2.7625% | 4,729 |
| Loan and lease loss provision to assets | -0.4551% | 8,226 |
| Net operating income to assets | 0.3821% | 4,938 |
| Return on assets (ROA) | 0.3777% | 5,138 |
| Pretax return on assets | 0.6235% | 4,681 |
| Return on Equity (ROE) | 3.6000% | 5,130 |
| Retained earnings to average equity (ytd only) | 3.6000% | 3,893 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0356% | 1,431 |
| Assets per employee ($millions) | 5.5005% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 3,173 |
| Loan loss allowance to noncurrent loans | 49.5894% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 5.0251% | 896 |
| Noncurrent loans to loans | 2.9507% | 2,213 |
| Net loans and leases to total assets | 75.0829% | 2,483 |
| Net loans and leases to deposits | 93.6633% | 2,327 |
| Net loans and leases to core deposits | 167.9374% | 375 |
| Total domestic deposits to total assets | 80.1625% | 5,303 |
| Equity capital to assets | 10.3443% | 3,614 |
| Core capital (leverage) ratio | 7.4289% | 7,238 |
| Tier 1 risk-based capital ratio | 8.8987% | 7,843 |
| Total risk-based capital ratio | 10.1899% | 7,864 |
| Memoranda: | ||
| Average total assets | $351,561,500 | 1,975 |
| Average earning assets | $308,527,500 | 2,068 |
| Average equity | $36,888,500 | 1,856 |
| Average total loans | $279,208,500 | 1,783 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1425% | 829 |
| Cost of funding earning assets | 3.1296% | 1,416 |
| Net interest margin | 4.0129% | 3,058 |
| Noninterest income to average assets | 0.1495% | 7,348 |
| Noninterest expense to average assets | 2.4707% | 6,128 |
| Loan and lease loss provision to assets | 0.4531% | 3,023 |
| Net operating income to assets | 0.6495% | 4,111 |
| Return on assets (ROA) | -7.1868% | 8,197 |
| Pretax return on assets | -11.3743% | 8,259 |
| Return on Equity (ROE) | -74.8488% | 8,238 |
| Retained earnings to average equity (ytd only) | -74.8488% | 8,232 |
| Net charge-offs to loans | 0.5207% | 2,282 |
| Credit loss provision to net charge-offs | 110.2519% | 4,890 |
| Earnings coverage of net charge-offs (x) | 3.2197% | 4,476 |
| Efficiency ratio | 65.1247% | 5,295 |
| Assets per employee ($millions) | 5.4858% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 2,743 |
| Loan loss allowance to noncurrent loans | 62.5633% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 4.5498% | 820 |
| Noncurrent loans to loans | 2.3823% | 2,307 |
| Net loans and leases to total assets | 81.4180% | 1,335 |
| Net loans and leases to deposits | 113.7602% | 619 |
| Net loans and leases to core deposits | 183.3489% | 254 |
| Total domestic deposits to total assets | 71.5698% | 7,078 |
| Equity capital to assets | 10.6417% | 3,353 |
| Core capital (leverage) ratio | 6.8499% | 7,798 |
| Tier 1 risk-based capital ratio | 8.7907% | 7,914 |
| Total risk-based capital ratio | 10.0421% | 7,975 |
| Memoranda: | ||
| Average total assets | $415,384,600 | 1,641 |
| Average earning assets | $377,235,000 | 1,646 |
| Average equity | $39,884,400 | 1,689 |
| Average total loans | $327,813,600 | 1,484 |