Home > North Penn Bank > Performance and Condition Ratios
North Penn Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9461% | 3,345 |
| Cost of funding earning assets | 1.3752% | 1,742 |
| Net interest margin | 3.5709% | 4,715 |
| Noninterest income to average assets | 0.2077% | 6,250 |
| Noninterest expense to average assets | 2.5903% | 5,264 |
| Loan and lease loss provision to assets | 0.1100% | 4,639 |
| Net operating income to assets | 0.5731% | 4,164 |
| Return on assets (ROA) | 0.5596% | 4,311 |
| Pretax return on assets | 0.8064% | 3,880 |
| Return on Equity (ROE) | 5.1197% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.1197% | 3,106 |
| Net charge-offs to loans | 0.0098% | 4,962 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 127.6667% | 249 |
| Efficiency ratio | 73.3195% | 3,633 |
| Assets per employee ($millions) | 4.3307% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 5,189 |
| Loan loss allowance to noncurrent loans | 84.0363% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.7026% | 3,699 |
| Noncurrent loans to loans | 1.5333% | 4,168 |
| Net loans and leases to total assets | 73.2688% | 1,466 |
| Net loans and leases to deposits | 87.4951% | 1,516 |
| Net loans and leases to core deposits | 88.7771% | 2,508 |
| Total domestic deposits to total assets | 83.7405% | 4,601 |
| Equity capital to assets | 10.9857% | 2,701 |
| Core capital (leverage) ratio | 10.8051% | 2,351 |
| Tier 1 risk-based capital ratio | 13.6774% | 4,305 |
| Total risk-based capital ratio | 14.8921% | 4,298 |
| Memoranda: | ||
| Average total assets | $163,686,500 | 3,644 |
| Average earning assets | $152,119,500 | 3,612 |
| Average equity | $17,891,500 | 3,414 |
| Average total loans | $121,978,000 | 3,217 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3338% | 2,963 |
| Cost of funding earning assets | 1.7237% | 1,491 |
| Net interest margin | 3.6101% | 4,770 |
| Noninterest income to average assets | 0.3167% | 5,529 |
| Noninterest expense to average assets | 2.6433% | 5,251 |
| Loan and lease loss provision to assets | 0.2413% | 4,870 |
| Net operating income to assets | 0.6003% | 3,665 |
| Return on assets (ROA) | 0.5731% | 3,950 |
| Pretax return on assets | 0.7189% | 3,907 |
| Return on Equity (ROE) | 5.2588% | 3,965 |
| Retained earnings to average equity (ytd only) | 5.2588% | 2,272 |
| Net charge-offs to loans | 0.2799% | 4,623 |
| Credit loss provision to net charge-offs | 114.2857% | 3,796 |
| Earnings coverage of net charge-offs (x) | 4.7083% | 2,837 |
| Efficiency ratio | 72.5639% | 3,690 |
| Assets per employee ($millions) | 4.0701% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 5,210 |
| Loan loss allowance to noncurrent loans | 121.2025% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 1.3470% | 4,321 |
| Noncurrent loans to loans | 1.0377% | 4,995 |
| Net loans and leases to total assets | 73.8755% | 1,682 |
| Net loans and leases to deposits | 88.1237% | 1,767 |
| Net loans and leases to core deposits | 89.4223% | 2,840 |
| Total domestic deposits to total assets | 83.8316% | 4,434 |
| Equity capital to assets | 10.8744% | 2,799 |
| Core capital (leverage) ratio | 10.6844% | 2,389 |
| Tier 1 risk-based capital ratio | 13.5560% | 4,160 |
| Total risk-based capital ratio | 14.7462% | 4,179 |
| Memoranda: | ||
| Average total assets | $159,122,000 | 3,714 |
| Average earning assets | $146,368,200 | 3,696 |
| Average equity | $17,342,400 | 3,528 |
| Average total loans | $120,054,200 | 3,312 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5172% | 2,366 |
| Cost of funding earning assets | 1.7536% | 1,610 |
| Net interest margin | 3.7636% | 4,118 |
| Noninterest income to average assets | 0.3455% | 5,402 |
| Noninterest expense to average assets | 2.5444% | 5,544 |
| Loan and lease loss provision to assets | 0.2815% | 4,327 |
| Net operating income to assets | 0.7146% | 3,355 |
| Return on assets (ROA) | 0.7054% | 3,543 |
| Pretax return on assets | 0.9599% | 3,330 |
| Return on Equity (ROE) | 6.4686% | 3,593 |
| Retained earnings to average equity (ytd only) | 6.4686% | 2,108 |
| Net charge-offs to loans | 0.1683% | 4,963 |
| Credit loss provision to net charge-offs | 221.1921% | 1,560 |
| Earnings coverage of net charge-offs (x) | 9.8542% | 1,950 |
| Efficiency ratio | 66.8959% | 4,679 |
| Assets per employee ($millions) | 3.8853% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 4,600 |
| Loan loss allowance to noncurrent loans | 90.2545% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.3758% | 4,417 |
| Noncurrent loans to loans | 1.5234% | 4,353 |
| Net loans and leases to total assets | 73.2771% | 1,961 |
| Net loans and leases to deposits | 87.5456% | 2,071 |
| Net loans and leases to core deposits | 88.8300% | 3,260 |
| Total domestic deposits to total assets | 83.7016% | 4,271 |
| Equity capital to assets | 10.9675% | 2,991 |
| Core capital (leverage) ratio | 10.8201% | 2,396 |
| Tier 1 risk-based capital ratio | 13.5143% | 4,200 |
| Total risk-based capital ratio | 14.7650% | 4,147 |
| Memoranda: | ||
| Average total assets | $158,201,250 | 3,795 |
| Average earning assets | $145,142,750 | 3,764 |
| Average equity | $17,252,000 | 3,598 |
| Average total loans | $119,616,500 | 3,377 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5899% | 2,174 |
| Cost of funding earning assets | 1.8745% | 1,323 |
| Net interest margin | 3.7154% | 4,291 |
| Noninterest income to average assets | 0.3654% | 5,215 |
| Noninterest expense to average assets | 2.4977% | 5,726 |
| Loan and lease loss provision to assets | 0.2568% | 4,369 |
| Net operating income to assets | 0.7892% | 3,015 |
| Return on assets (ROA) | 0.7653% | 3,273 |
| Pretax return on assets | 0.9787% | 3,207 |
| Return on Equity (ROE) | 7.0318% | 3,284 |
| Retained earnings to average equity (ytd only) | 7.0318% | 1,816 |
| Net charge-offs to loans | 0.2032% | 4,396 |
| Credit loss provision to net charge-offs | 166.1157% | 2,371 |
| Earnings coverage of net charge-offs (x) | 8.1901% | 2,175 |
| Efficiency ratio | 66.2593% | 4,938 |
| Assets per employee ($millions) | 4.0138% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 4,975 |
| Loan loss allowance to noncurrent loans | 124.3243% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.8384% | 5,443 |
| Noncurrent loans to loans | 1.0397% | 5,229 |
| Net loans and leases to total assets | 74.3894% | 1,830 |
| Net loans and leases to deposits | 92.1530% | 1,507 |
| Net loans and leases to core deposits | 92.9830% | 2,850 |
| Total domestic deposits to total assets | 80.7239% | 5,502 |
| Equity capital to assets | 10.8582% | 3,011 |
| Core capital (leverage) ratio | 10.7786% | 2,412 |
| Tier 1 risk-based capital ratio | 12.9496% | 4,492 |
| Total risk-based capital ratio | 14.1418% | 4,481 |
| Memoranda: | ||
| Average total assets | $156,541,000 | 3,847 |
| Average earning assets | $143,187,000 | 3,836 |
| Average equity | $17,037,000 | 3,626 |
| Average total loans | $119,074,670 | 3,420 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4853% | 2,656 |
| Cost of funding earning assets | 2.0000% | 1,085 |
| Net interest margin | 3.4853% | 5,220 |
| Noninterest income to average assets | 0.2485% | 6,163 |
| Noninterest expense to average assets | 2.4849% | 5,787 |
| Loan and lease loss provision to assets | 0.1009% | 5,618 |
| Net operating income to assets | 0.5762% | 3,999 |
| Return on assets (ROA) | 0.5358% | 4,342 |
| Pretax return on assets | 0.8257% | 3,762 |
| Return on Equity (ROE) | 4.9172% | 4,407 |
| Retained earnings to average equity (ytd only) | 4.9172% | 3,195 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5350% | 4,016 |
| Assets per employee ($millions) | 3.8496% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 5,110 |
| Loan loss allowance to noncurrent loans | 92.6399% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 1.1248% | 4,908 |
| Noncurrent loans to loans | 1.3678% | 4,688 |
| Net loans and leases to total assets | 77.0685% | 1,317 |
| Net loans and leases to deposits | 96.2006% | 1,080 |
| Net loans and leases to core deposits | 97.1082% | 2,448 |
| Total domestic deposits to total assets | 80.1123% | 5,744 |
| Equity capital to assets | 11.0452% | 2,717 |
| Core capital (leverage) ratio | 10.9554% | 2,257 |
| Tier 1 risk-based capital ratio | 13.3789% | 4,063 |
| Total risk-based capital ratio | 14.6081% | 4,042 |
| Memoranda: | ||
| Average total assets | $154,536,000 | 3,936 |
| Average earning assets | $143,001,500 | 3,890 |
| Average equity | $16,839,000 | 3,688 |
| Average total loans | $118,113,500 | 3,492 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6527% | 3,337 |
| Cost of funding earning assets | 2.3502% | 1,458 |
| Net interest margin | 3.3025% | 5,735 |
| Noninterest income to average assets | 0.6032% | 3,611 |
| Noninterest expense to average assets | 2.6983% | 5,402 |
| Loan and lease loss provision to assets | 0.3245% | 4,866 |
| Net operating income to assets | 0.5829% | 3,390 |
| Return on assets (ROA) | 0.5642% | 3,546 |
| Pretax return on assets | 0.6230% | 3,836 |
| Return on Equity (ROE) | 5.1557% | 3,600 |
| Retained earnings to average equity (ytd only) | 5.1557% | 1,736 |
| Net charge-offs to loans | 0.1467% | 5,772 |
| Credit loss provision to net charge-offs | 295.0311% | 1,132 |
| Earnings coverage of net charge-offs (x) | 8.8012% | 1,892 |
| Efficiency ratio | 73.5606% | 3,983 |
| Assets per employee ($millions) | 3.7826% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 4,879 |
| Loan loss allowance to noncurrent loans | 83.6056% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 1.2013% | 4,696 |
| Noncurrent loans to loans | 1.5298% | 4,355 |
| Net loans and leases to total assets | 73.8592% | 2,303 |
| Net loans and leases to deposits | 91.7124% | 1,931 |
| Net loans and leases to core deposits | 106.0091% | 3,330 |
| Total domestic deposits to total assets | 80.5335% | 5,499 |
| Equity capital to assets | 10.7488% | 2,928 |
| Core capital (leverage) ratio | 11.2003% | 2,106 |
| Tier 1 risk-based capital ratio | 13.6130% | 3,747 |
| Total risk-based capital ratio | 14.8426% | 3,706 |
| Memoranda: | ||
| Average total assets | $146,390,600 | 4,009 |
| Average earning assets | $135,775,800 | 3,983 |
| Average equity | $16,021,200 | 3,867 |
| Average total loans | $109,755,200 | 3,700 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6889% | 3,398 |
| Cost of funding earning assets | 2.3656% | 1,756 |
| Net interest margin | 3.3233% | 5,549 |
| Noninterest income to average assets | 0.3032% | 6,056 |
| Noninterest expense to average assets | 2.6940% | 5,354 |
| Loan and lease loss provision to assets | 0.1248% | 6,103 |
| Net operating income to assets | 0.4234% | 4,307 |
| Return on assets (ROA) | 0.4234% | 4,411 |
| Pretax return on assets | 0.5704% | 4,298 |
| Return on Equity (ROE) | 3.8505% | 4,439 |
| Retained earnings to average equity (ytd only) | 3.8505% | 3,140 |
| Net charge-offs to loans | 0.0752% | 5,938 |
| Credit loss provision to net charge-offs | 221.3115% | 1,977 |
| Earnings coverage of net charge-offs (x) | 12.3280% | 1,770 |
| Efficiency ratio | 79.4599% | 2,929 |
| Assets per employee ($millions) | 3.4936% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 5,570 |
| Loan loss allowance to noncurrent loans | 83.4339% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.9925% | 5,084 |
| Noncurrent loans to loans | 1.3470% | 4,680 |
| Net loans and leases to total assets | 72.8584% | 2,833 |
| Net loans and leases to deposits | 90.8246% | 2,425 |
| Net loans and leases to core deposits | 104.9498% | 3,829 |
| Total domestic deposits to total assets | 80.2187% | 5,359 |
| Equity capital to assets | 10.9417% | 3,068 |
| Core capital (leverage) ratio | 10.6528% | 2,665 |
| Tier 1 risk-based capital ratio | 14.0818% | 3,497 |
| Total risk-based capital ratio | 15.1693% | 3,541 |
| Memoranda: | ||
| Average total assets | $144,216,500 | 4,066 |
| Average earning assets | $133,918,750 | 4,042 |
| Average equity | $15,859,000 | 3,943 |
| Average total loans | $108,186,500 | 3,768 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7823% | 3,127 |
| Cost of funding earning assets | 2.4090% | 1,932 |
| Net interest margin | 3.3733% | 5,273 |
| Noninterest income to average assets | 0.3052% | 6,077 |
| Noninterest expense to average assets | 2.8169% | 4,886 |
| Loan and lease loss provision to assets | 0.1266% | 5,845 |
| Net operating income to assets | 0.3924% | 4,542 |
| Return on assets (ROA) | 0.3924% | 4,648 |
| Pretax return on assets | 0.4908% | 4,654 |
| Return on Equity (ROE) | 3.5618% | 4,681 |
| Retained earnings to average equity (ytd only) | 3.5618% | 3,319 |
| Net charge-offs to loans | 0.1025% | 5,136 |
| Credit loss provision to net charge-offs | 163.6364% | 2,803 |
| Earnings coverage of net charge-offs (x) | 7.9818% | 2,344 |
| Efficiency ratio | 81.9820% | 2,726 |
| Assets per employee ($millions) | 3.5472% | 4,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 5,493 |
| Loan loss allowance to noncurrent loans | 94.9567% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.8518% | 5,281 |
| Noncurrent loans to loans | 1.1740% | 4,870 |
| Net loans and leases to total assets | 71.7464% | 3,289 |
| Net loans and leases to deposits | 89.0921% | 2,977 |
| Net loans and leases to core deposits | 102.3733% | 4,249 |
| Total domestic deposits to total assets | 80.5307% | 5,263 |
| Equity capital to assets | 10.6200% | 3,280 |
| Core capital (leverage) ratio | 10.7852% | 2,580 |
| Tier 1 risk-based capital ratio | 14.2135% | 3,395 |
| Total risk-based capital ratio | 15.3006% | 3,429 |
| Memoranda: | ||
| Average total assets | $142,214,330 | 4,133 |
| Average earning assets | $131,920,000 | 4,104 |
| Average equity | $15,666,330 | 3,987 |
| Average total loans | $107,350,670 | 3,825 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0066% | 2,336 |
| Cost of funding earning assets | 2.4270% | 2,187 |
| Net interest margin | 3.5797% | 4,411 |
| Noninterest income to average assets | 0.3313% | 5,798 |
| Noninterest expense to average assets | 2.4404% | 6,058 |
| Loan and lease loss provision to assets | 0.1498% | 5,011 |
| Net operating income to assets | 0.7434% | 3,377 |
| Return on assets (ROA) | 0.7434% | 3,557 |
| Pretax return on assets | 1.0516% | 3,168 |
| Return on Equity (ROE) | 6.6203% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.6203% | 2,367 |
| Net charge-offs to loans | 0.0262% | 5,168 |
| Credit loss provision to net charge-offs | 742.8571% | 818 |
| Earnings coverage of net charge-offs (x) | 59.5714% | 652 |
| Efficiency ratio | 67.0095% | 5,144 |
| Assets per employee ($millions) | 3.5887% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 5,149 |
| Loan loss allowance to noncurrent loans | 243.0000% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.3572% | 6,441 |
| Noncurrent loans to loans | 0.4717% | 6,238 |
| Net loans and leases to total assets | 74.8662% | 2,536 |
| Net loans and leases to deposits | 94.3005% | 2,220 |
| Net loans and leases to core deposits | 108.0082% | 3,679 |
| Total domestic deposits to total assets | 79.3911% | 5,576 |
| Equity capital to assets | 11.2797% | 2,741 |
| Core capital (leverage) ratio | 11.3747% | 2,230 |
| Tier 1 risk-based capital ratio | 15.1119% | 3,010 |
| Total risk-based capital ratio | 16.2823% | 2,992 |
| Memoranda: | ||
| Average total assets | $138,830,000 | 4,209 |
| Average earning assets | $128,391,500 | 4,185 |
| Average equity | $15,588,500 | 4,024 |
| Average total loans | $106,978,500 | 3,861 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3124% | 3,898 |
| Cost of funding earning assets | 2.7175% | 3,076 |
| Net interest margin | 3.5949% | 4,912 |
| Noninterest income to average assets | 0.2565% | 6,619 |
| Noninterest expense to average assets | 3.0725% | 3,811 |
| Loan and lease loss provision to assets | 0.0235% | 7,102 |
| Net operating income to assets | 0.3759% | 5,248 |
| Return on assets (ROA) | 0.3765% | 5,058 |
| Pretax return on assets | 0.4858% | 5,009 |
| Return on Equity (ROE) | 3.2730% | 5,130 |
| Retained earnings to average equity (ytd only) | 3.2730% | 3,120 |
| Net charge-offs to loans | 0.0317% | 6,378 |
| Credit loss provision to net charge-offs | 96.8750% | 5,486 |
| Earnings coverage of net charge-offs (x) | 20.9375% | 1,553 |
| Efficiency ratio | 85.7567% | 1,880 |
| Assets per employee ($millions) | 3.5308% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 5,386 |
| Loan loss allowance to noncurrent loans | 105.6911% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 4,842 |
| Noncurrent loans to loans | 1.0254% | 4,536 |
| Net loans and leases to total assets | 77.5521% | 2,248 |
| Net loans and leases to deposits | 105.0710% | 1,223 |
| Net loans and leases to core deposits | 117.6827% | 2,924 |
| Total domestic deposits to total assets | 73.8092% | 6,685 |
| Equity capital to assets | 11.1764% | 2,895 |
| Core capital (leverage) ratio | 11.5690% | 2,210 |
| Tier 1 risk-based capital ratio | 14.8912% | 3,099 |
| Total risk-based capital ratio | 16.0134% | 3,090 |
| Memoranda: | ||
| Average total assets | $131,750,400 | 4,237 |
| Average earning assets | $121,839,000 | 4,216 |
| Average equity | $15,154,400 | 4,111 |
| Average total loans | $100,842,800 | 3,927 |