Home > Northern National Bank > Performance and Condition Ratios
Northern National 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 | 5.9823% | 2,112 |
| Cost of funding earning assets | 1.6694% | 5,063 |
| Net interest margin | 4.3129% | 1,701 |
| Noninterest income to average assets | 0.5330% | 4,212 |
| Noninterest expense to average assets | 3.6308% | 1,959 |
| Loan and lease loss provision to assets | 0.5653% | 3,125 |
| Net operating income to assets | -0.1846% | 6,033 |
| Return on assets (ROA) | 0.1258% | 5,454 |
| Pretax return on assets | 0.1258% | 5,468 |
| Return on Equity (ROE) | 0.5893% | 5,619 |
| Retained earnings to average equity (ytd only) | 0.5893% | 4,955 |
| Net charge-offs to loans | 1.0979% | 1,817 |
| Credit loss provision to net charge-offs | 72.9167% | 5,923 |
| Earnings coverage of net charge-offs (x) | 0.4911% | 5,540 |
| Efficiency ratio | 90.5091% | 1,645 |
| Assets per employee ($millions) | 4.0808% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7220% | 2,540 |
| Loan loss allowance to noncurrent loans | 65.5483% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 4.8491% | 1,215 |
| Noncurrent loans to loans | 2.6270% | 2,876 |
| Net loans and leases to total assets | 70.4115% | 3,412 |
| Net loans and leases to deposits | 102.9930% | 847 |
| Net loans and leases to core deposits | 124.8817% | 1,827 |
| Total domestic deposits to total assets | 68.3653% | 7,542 |
| Equity capital to assets | 23.1636% | 210 |
| Core capital (leverage) ratio | 10.5996% | 2,712 |
| Tier 1 risk-based capital ratio | 13.4765% | 3,866 |
| Total risk-based capital ratio | 14.7325% | 3,798 |
| Memoranda: | ||
| Average total assets | $115,562,750 | 4,706 |
| Average earning assets | $93,206,500 | 5,064 |
| Average equity | $24,662,000 | 2,664 |
| Average total loans | $81,608,750 | 4,498 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0154% | 2,127 |
| Cost of funding earning assets | 1.7148% | 5,201 |
| Net interest margin | 4.3005% | 1,654 |
| Noninterest income to average assets | 0.4886% | 4,545 |
| Noninterest expense to average assets | 3.5058% | 2,323 |
| Loan and lease loss provision to assets | 0.8255% | 2,031 |
| Net operating income to assets | -0.3487% | 6,392 |
| Return on assets (ROA) | 0.1011% | 5,657 |
| Pretax return on assets | 0.1011% | 5,672 |
| Return on Equity (ROE) | 0.4860% | 5,791 |
| Retained earnings to average equity (ytd only) | 0.4860% | 5,012 |
| Net charge-offs to loans | 1.0662% | 1,691 |
| Credit loss provision to net charge-offs | 110.1124% | 4,210 |
| Earnings coverage of net charge-offs (x) | 0.6360% | 5,064 |
| Efficiency ratio | 88.0288% | 2,014 |
| Assets per employee ($millions) | 4.0792% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9293% | 1,720 |
| Loan loss allowance to noncurrent loans | 269.4737% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 2.4787% | 2,606 |
| Noncurrent loans to loans | 0.7160% | 5,805 |
| Net loans and leases to total assets | 70.8904% | 3,492 |
| Net loans and leases to deposits | 101.8086% | 1,087 |
| Net loans and leases to core deposits | 124.7751% | 1,958 |
| Total domestic deposits to total assets | 69.6311% | 7,507 |
| Equity capital to assets | 22.1003% | 281 |
| Core capital (leverage) ratio | 10.0276% | 3,268 |
| Tier 1 risk-based capital ratio | 12.7318% | 4,329 |
| Total risk-based capital ratio | 13.9904% | 4,241 |
| Memoranda: | ||
| Average total assets | $118,716,330 | 4,670 |
| Average earning assets | $96,453,000 | 4,996 |
| Average equity | $24,690,330 | 2,670 |
| Average total loans | $83,472,670 | 4,480 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1189% | 1,879 |
| Cost of funding earning assets | 1.7454% | 5,380 |
| Net interest margin | 4.3735% | 1,414 |
| Noninterest income to average assets | 0.3219% | 5,878 |
| Noninterest expense to average assets | 3.0991% | 3,381 |
| Loan and lease loss provision to assets | 1.1382% | 1,143 |
| Net operating income to assets | -0.3219% | 6,701 |
| Return on assets (ROA) | 0.1561% | 5,972 |
| Pretax return on assets | 0.1561% | 6,037 |
| Return on Equity (ROE) | 0.7722% | 6,200 |
| Retained earnings to average equity (ytd only) | 0.7722% | 5,354 |
| Net charge-offs to loans | 0.0468% | 4,825 |
| Credit loss provision to net charge-offs | 3,500.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 25.1000% | 1,220 |
| Efficiency ratio | 79.1528% | 2,972 |
| Assets per employee ($millions) | 4.1756% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1966% | 1,086 |
| Loan loss allowance to noncurrent loans | 93.7052% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 2.6001% | 2,202 |
| Noncurrent loans to loans | 2.3441% | 2,808 |
| Net loans and leases to total assets | 69.7298% | 3,740 |
| Net loans and leases to deposits | 101.5672% | 1,220 |
| Net loans and leases to core deposits | 128.5534% | 1,742 |
| Total domestic deposits to total assets | 68.6538% | 7,549 |
| Equity capital to assets | 21.2501% | 346 |
| Core capital (leverage) ratio | 8.9682% | 4,762 |
| Tier 1 risk-based capital ratio | 12.3806% | 4,635 |
| Total risk-based capital ratio | 13.6442% | 4,545 |
| Memoranda: | ||
| Average total assets | $123,005,000 | 4,577 |
| Average earning assets | $101,064,000 | 4,883 |
| Average equity | $24,865,000 | 2,667 |
| Average total loans | $85,402,000 | 4,443 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5575% | 8,136 |
| Cost of funding earning assets | 0.9482% | 8,078 |
| Net interest margin | 2.6093% | 7,632 |
| Noninterest income to average assets | 0.4381% | 5,133 |
| Noninterest expense to average assets | 1.6320% | 7,935 |
| Loan and lease loss provision to assets | 0.6413% | 2,266 |
| Net operating income to assets | 0.4575% | 4,918 |
| Return on assets (ROA) | 0.4583% | 4,740 |
| Pretax return on assets | 0.4597% | 5,095 |
| Return on Equity (ROE) | 3.4783% | 5,048 |
| Retained earnings to average equity (ytd only) | 3.4783% | 2,977 |
| Net charge-offs to loans | 1.0350% | 1,195 |
| Credit loss provision to net charge-offs | 85.2490% | 5,781 |
| Earnings coverage of net charge-offs (x) | 1.4626% | 5,380 |
| Efficiency ratio | 59.7310% | 6,400 |
| Assets per employee ($millions) | 4.7812% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7050% | 1,891 |
| Loan loss allowance to noncurrent loans | 53.5176% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 2.7453% | 1,720 |
| Noncurrent loans to loans | 3.1859% | 1,654 |
| Net loans and leases to total assets | 66.5846% | 4,738 |
| Net loans and leases to deposits | 100.3959% | 1,801 |
| Net loans and leases to core deposits | 125.2766% | 2,230 |
| Total domestic deposits to total assets | 66.3220% | 7,637 |
| Equity capital to assets | 19.2768% | 523 |
| Core capital (leverage) ratio | 8.3053% | 5,939 |
| Tier 1 risk-based capital ratio | 11.4195% | 5,319 |
| Total risk-based capital ratio | 12.6751% | 5,216 |
| Memoranda: | ||
| Average total assets | $138,784,000 | 4,108 |
| Average earning assets | $122,022,800 | 4,213 |
| Average equity | $18,284,600 | 3,508 |
| Average total loans | $100,873,000 | 3,923 |