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Old Forge Bank, Performance and Condition Ratios
| 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 | 5.7226% | 3,685 |
| Cost of funding earning assets | 1.7866% | 5,178 |
| Net interest margin | 3.9360% | 2,905 |
| Noninterest income to average assets | 0.3233% | 5,868 |
| Noninterest expense to average assets | 3.1438% | 3,219 |
| Loan and lease loss provision to assets | 0.1370% | 5,208 |
| Net operating income to assets | 0.3927% | 4,887 |
| Return on assets (ROA) | 0.3927% | 5,063 |
| Pretax return on assets | 0.6887% | 4,472 |
| Return on Equity (ROE) | 2.6038% | 5,526 |
| Retained earnings to average equity (ytd only) | 0.2301% | 5,569 |
| Net charge-offs to loans | 1.8540% | 782 |
| Credit loss provision to net charge-offs | 9.6277% | 5,205 |
| Earnings coverage of net charge-offs (x) | 0.5802% | 4,531 |
| Efficiency ratio | 78.6010% | 3,062 |
| Assets per employee ($millions) | 3.6387% | 4,483 |
| Cash dividends to net income (ytd only)* | 91.1628% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4358% | 7,911 |
| Loan loss allowance to noncurrent loans | 33.6896% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 1.0788% | 4,530 |
| Noncurrent loans to loans | 1.2937% | 4,390 |
| Net loans and leases to total assets | 77.1481% | 2,002 |
| Net loans and leases to deposits | 94.0564% | 2,260 |
| Net loans and leases to core deposits | 111.9105% | 3,227 |
| Total domestic deposits to total assets | 82.0232% | 4,537 |
| Equity capital to assets | 15.1750% | 1,051 |
| Core capital (leverage) ratio | 15.4718% | 870 |
| Tier 1 risk-based capital ratio | 20.8006% | 1,477 |
| Total risk-based capital ratio | 21.2410% | 1,578 |
| Memoranda: | ||
| Average total assets | $218,972,000 | 2,998 |
| Average earning assets | $202,844,000 | 2,981 |
| Average equity | $33,028,500 | 2,051 |
| Average total loans | $168,068,500 | 2,729 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9081% | 6,000 |
| Cost of funding earning assets | 2.1710% | 5,727 |
| Net interest margin | 3.7372% | 4,296 |
| Noninterest income to average assets | 0.3562% | 5,879 |
| Noninterest expense to average assets | 2.2849% | 6,744 |
| Loan and lease loss provision to assets | 0.1370% | 5,604 |
| Net operating income to assets | 1.1434% | 1,971 |
| Return on assets (ROA) | 1.1509% | 1,865 |
| Pretax return on assets | 1.4090% | 1,950 |
| Return on Equity (ROE) | 7.4727% | 3,295 |
| Retained earnings to average equity (ytd only) | 2.8319% | 3,412 |
| Net charge-offs to loans | 0.4571% | 2,543 |
| Credit loss provision to net charge-offs | 40.5405% | 6,448 |
| Earnings coverage of net charge-offs (x) | 4.5473% | 3,939 |
| Efficiency ratio | 59.1898% | 6,498 |
| Assets per employee ($millions) | 3.7210% | 4,129 |
| Cash dividends to net income (ytd only)* | 62.1032% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8410% | 6,936 |
| Loan loss allowance to noncurrent loans | 49.4802% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 1.3867% | 3,412 |
| Noncurrent loans to loans | 1.6998% | 3,222 |
| Net loans and leases to total assets | 75.4096% | 2,778 |
| Net loans and leases to deposits | 93.2970% | 2,904 |
| Net loans and leases to core deposits | 113.1093% | 3,435 |
| Total domestic deposits to total assets | 80.8275% | 4,724 |
| Equity capital to assets | 14.9954% | 1,162 |
| Core capital (leverage) ratio | 15.4287% | 937 |
| Tier 1 risk-based capital ratio | 20.3178% | 1,567 |
| Total risk-based capital ratio | 21.1659% | 1,593 |
| Memoranda: | ||
| Average total assets | $218,956,600 | 2,886 |
| Average earning assets | $203,041,600 | 2,865 |
| Average equity | $33,722,800 | 2,007 |
| Average total loans | $161,904,400 | 2,748 |