Home > Rosemount National Bank > Performance and Condition Ratios
Rosemount National 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 | 4.4535% | 5,504 |
| Cost of funding earning assets | 0.8787% | 5,070 |
| Net interest margin | 3.5748% | 4,688 |
| Noninterest income to average assets | 3.1294% | 210 |
| Noninterest expense to average assets | 12.8698% | 56 |
| Loan and lease loss provision to assets | -0.0813% | 7,481 |
| Net operating income to assets | -7.2342% | 7,529 |
| Return on assets (ROA) | -7.2342% | 7,529 |
| Pretax return on assets | -7.2342% | 7,526 |
| Return on Equity (ROE) | -339.0476% | 7,554 |
| Retained earnings to average equity (ytd only) | -339.0476% | 7,554 |
| Net charge-offs to loans | 0.4966% | 2,235 |
| Credit loss provision to net charge-offs | -31.5789% | 5,626 |
| Earnings coverage of net charge-offs (x) | -28.4211% | 5,084 |
| Efficiency ratio | 178.0488% | 86 |
| Assets per employee ($millions) | 1.6503% | 7,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6076% | 556 |
| Loan loss allowance to noncurrent loans | 46.7230% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 11.9651% | 275 |
| Noncurrent loans to loans | 7.7212% | 664 |
| Net loans and leases to total assets | 55.0480% | 5,152 |
| Net loans and leases to deposits | 56.2917% | 6,103 |
| Net loans and leases to core deposits | 56.2917% | 6,392 |
| Total domestic deposits to total assets | 97.7906% | 7 |
| Equity capital to assets | 1.6827% | 7,544 |
| Core capital (leverage) ratio | 1.1148% | 7,554 |
| Tier 1 risk-based capital ratio | 2.2963% | 7,542 |
| Total risk-based capital ratio | 3.5627% | 7,543 |
| Memoranda: | ||
| Average total assets | $29,526,500 | 7,163 |
| Average earning assets | $20,029,000 | 7,340 |
| Average equity | $630,000 | 7,561 |
| Average total loans | $15,305,500 | 7,074 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 6,604 |
| Cost of funding earning assets | 0.9300% | 6,031 |
| Net interest margin | 3.4773% | 5,334 |
| Noninterest income to average assets | 0.8363% | 2,113 |
| Noninterest expense to average assets | 7.2089% | 147 |
| Loan and lease loss provision to assets | 1.6620% | 859 |
| Net operating income to assets | -5.3035% | 7,556 |
| Return on assets (ROA) | -4.7874% | 7,525 |
| Pretax return on assets | -4.7874% | 7,524 |
| Return on Equity (ROE) | -91.1243% | 7,580 |
| Retained earnings to average equity (ytd only) | -91.1243% | 7,580 |
| Net charge-offs to loans | 4.7192% | 209 |
| Credit loss provision to net charge-offs | 63.9511% | 6,010 |
| Earnings coverage of net charge-offs (x) | -1.4012% | 6,666 |
| Efficiency ratio | 202.0772% | 91 |
| Assets per employee ($millions) | 2.3499% | 7,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5437% | 1,359 |
| Loan loss allowance to noncurrent loans | 27.1828% | 6,471 |
| Noncurrent assets plus other real estate owned to assets | 7.4576% | 700 |
| Noncurrent loans to loans | 9.3578% | 472 |
| Net loans and leases to total assets | 47.5864% | 6,429 |
| Net loans and leases to deposits | 48.9521% | 6,907 |
| Net loans and leases to core deposits | 50.3291% | 6,966 |
| Total domestic deposits to total assets | 97.2100% | 16 |
| Equity capital to assets | 2.3910% | 7,594 |
| Core capital (leverage) ratio | 1.8673% | 7,614 |
| Tier 1 risk-based capital ratio | 2.8971% | 7,609 |
| Total risk-based capital ratio | 4.1547% | 7,609 |
| Memoranda: | ||
| Average total assets | $37,786,600 | 6,945 |
| Average earning assets | $29,678,200 | 7,101 |
| Average equity | $1,985,200 | 7,504 |
| Average total loans | $20,808,400 | 6,879 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4977% | 6,612 |
| Cost of funding earning assets | 0.9405% | 6,226 |
| Net interest margin | 3.5573% | 5,073 |
| Noninterest income to average assets | 0.8388% | 2,036 |
| Noninterest expense to average assets | 7.1963% | 139 |
| Loan and lease loss provision to assets | 1.5753% | 830 |
| Net operating income to assets | -5.0536% | 7,648 |
| Return on assets (ROA) | -4.3664% | 7,608 |
| Pretax return on assets | -4.3664% | 7,595 |
| Return on Equity (ROE) | -73.2008% | 7,644 |
| Retained earnings to average equity (ytd only) | -73.2008% | 7,643 |
| Net charge-offs to loans | 3.9462% | 314 |
| Credit loss provision to net charge-offs | 70.5047% | 5,404 |
| Earnings coverage of net charge-offs (x) | -1.5568% | 6,510 |
| Efficiency ratio | 193.5545% | 95 |
| Assets per employee ($millions) | 2.9988% | 6,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2036% | 693 |
| Loan loss allowance to noncurrent loans | 23.0098% | 6,755 |
| Noncurrent assets plus other real estate owned to assets | 10.1515% | 397 |
| Noncurrent loans to loans | 13.9228% | 188 |
| Net loans and leases to total assets | 53.1499% | 5,964 |
| Net loans and leases to deposits | 55.7366% | 6,633 |
| Net loans and leases to core deposits | 57.4096% | 6,770 |
| Total domestic deposits to total assets | 95.3592% | 34 |
| Equity capital to assets | 4.0850% | 7,637 |
| Core capital (leverage) ratio | 3.3729% | 7,651 |
| Tier 1 risk-based capital ratio | 5.1897% | 7,631 |
| Total risk-based capital ratio | 6.4569% | 7,634 |
| Memoranda: | ||
| Average total assets | $37,833,500 | 7,024 |
| Average earning assets | $30,622,250 | 7,150 |
| Average equity | $2,256,750 | 7,555 |
| Average total loans | $21,420,750 | 6,942 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7100% | 6,114 |
| Cost of funding earning assets | 0.9810% | 6,235 |
| Net interest margin | 3.7290% | 4,239 |
| Noninterest income to average assets | 0.7854% | 2,205 |
| Noninterest expense to average assets | 6.2679% | 199 |
| Loan and lease loss provision to assets | 1.4929% | 888 |
| Net operating income to assets | -3.9896% | 7,620 |
| Return on assets (ROA) | -3.9896% | 7,625 |
| Pretax return on assets | -3.9896% | 7,598 |
| Return on Equity (ROE) | -60.8972% | 7,658 |
| Retained earnings to average equity (ytd only) | -60.8972% | 7,656 |
| Net charge-offs to loans | 4.8510% | 221 |
| Credit loss provision to net charge-offs | 53.8462% | 5,343 |
| Earnings coverage of net charge-offs (x) | -0.9006% | 6,101 |
| Efficiency ratio | 166.2069% | 160 |
| Assets per employee ($millions) | 2.6354% | 6,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7746% | 1,022 |
| Loan loss allowance to noncurrent loans | 24.6141% | 6,692 |
| Noncurrent assets plus other real estate owned to assets | 9.2668% | 467 |
| Noncurrent loans to loans | 11.2722% | 343 |
| Net loans and leases to total assets | 54.5169% | 5,913 |
| Net loans and leases to deposits | 58.2238% | 6,560 |
| Net loans and leases to core deposits | 60.7215% | 6,658 |
| Total domestic deposits to total assets | 93.6333% | 87 |
| Equity capital to assets | 5.8572% | 7,559 |
| Core capital (leverage) ratio | 4.5354% | 7,650 |
| Tier 1 risk-based capital ratio | 6.7750% | 7,622 |
| Total risk-based capital ratio | 8.0377% | 7,624 |
| Memoranda: | ||
| Average total assets | $38,449,670 | 7,050 |
| Average earning assets | $30,785,670 | 7,199 |
| Average equity | $2,519,000 | 7,542 |
| Average total loans | $21,974,670 | 6,963 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7018% | 6,235 |
| Cost of funding earning assets | 1.0039% | 6,356 |
| Net interest margin | 3.6979% | 4,258 |
| Noninterest income to average assets | 0.6934% | 2,644 |
| Noninterest expense to average assets | 5.4452% | 279 |
| Loan and lease loss provision to assets | 2.4269% | 436 |
| Net operating income to assets | -4.2114% | 7,731 |
| Return on assets (ROA) | -4.2114% | 7,737 |
| Pretax return on assets | -4.2114% | 7,707 |
| Return on Equity (ROE) | -61.2305% | 7,747 |
| Retained earnings to average equity (ytd only) | -61.2305% | 7,739 |
| Net charge-offs to loans | 8.8071% | 72 |
| Credit loss provision to net charge-offs | 47.7912% | 4,522 |
| Earnings coverage of net charge-offs (x) | -0.3514% | 5,230 |
| Efficiency ratio | 148.7465% | 216 |
| Assets per employee ($millions) | 2.5871% | 7,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4976% | 1,297 |
| Loan loss allowance to noncurrent loans | 18.2320% | 7,096 |
| Noncurrent assets plus other real estate owned to assets | 10.6347% | 353 |
| Noncurrent loans to loans | 13.6987% | 222 |
| Net loans and leases to total assets | 56.4357% | 5,681 |
| Net loans and leases to deposits | 60.6810% | 6,394 |
| Net loans and leases to core deposits | 64.5800% | 6,415 |
| Total domestic deposits to total assets | 93.0038% | 121 |
| Equity capital to assets | 6.4293% | 7,544 |
| Core capital (leverage) ratio | 5.3353% | 7,674 |
| Tier 1 risk-based capital ratio | 7.6837% | 7,646 |
| Total risk-based capital ratio | 8.9421% | 7,653 |
| Memoranda: | ||
| Average total assets | $39,227,000 | 7,109 |
| Average earning assets | $31,477,000 | 7,267 |
| Average equity | $2,698,000 | 7,582 |
| Average total loans | $22,618,000 | 7,013 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7174% | 7,111 |
| Cost of funding earning assets | 1.1887% | 6,691 |
| Net interest margin | 3.5287% | 4,825 |
| Noninterest income to average assets | 0.9369% | 1,801 |
| Noninterest expense to average assets | 7.1702% | 194 |
| Loan and lease loss provision to assets | 2.7438% | 678 |
| Net operating income to assets | -6.0541% | 7,840 |
| Return on assets (ROA) | -6.0541% | 7,831 |
| Pretax return on assets | -6.0541% | 7,809 |
| Return on Equity (ROE) | -62.1992% | 7,767 |
| Retained earnings to average equity (ytd only) | -62.1992% | 7,764 |
| Net charge-offs to loans | 3.3288% | 601 |
| Credit loss provision to net charge-offs | 146.0560% | 3,245 |
| Earnings coverage of net charge-offs (x) | -1.7621% | 6,986 |
| Efficiency ratio | 185.7585% | 173 |
| Assets per employee ($millions) | 2.6431% | 6,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6050% | 486 |
| Loan loss allowance to noncurrent loans | 26.2049% | 6,722 |
| Noncurrent assets plus other real estate owned to assets | 10.5683% | 333 |
| Noncurrent loans to loans | 13.7569% | 215 |
| Net loans and leases to total assets | 55.3712% | 6,037 |
| Net loans and leases to deposits | 60.0942% | 6,628 |
| Net loans and leases to core deposits | 66.9952% | 6,929 |
| Total domestic deposits to total assets | 92.1406% | 237 |
| Equity capital to assets | 7.3171% | 7,186 |
| Core capital (leverage) ratio | 6.1925% | 7,588 |
| Tier 1 risk-based capital ratio | 9.0347% | 7,456 |
| Total risk-based capital ratio | 10.3077% | 7,466 |
| Memoranda: | ||
| Average total assets | $41,839,600 | 7,028 |
| Average earning assets | $34,658,600 | 7,155 |
| Average equity | $4,072,400 | 7,260 |
| Average total loans | $23,612,000 | 6,997 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6965% | 7,292 |
| Cost of funding earning assets | 1.2193% | 6,839 |
| Net interest margin | 3.4772% | 4,962 |
| Noninterest income to average assets | 0.9531% | 1,769 |
| Noninterest expense to average assets | 7.5712% | 169 |
| Loan and lease loss provision to assets | 3.0165% | 485 |
| Net operating income to assets | -6.7282% | 7,970 |
| Return on assets (ROA) | -6.7282% | 7,966 |
| Pretax return on assets | -6.7282% | 7,952 |
| Return on Equity (ROE) | -65.3326% | 7,915 |
| Retained earnings to average equity (ytd only) | -65.3326% | 7,913 |
| Net charge-offs to loans | 3.8060% | 380 |
| Credit loss provision to net charge-offs | 141.0294% | 3,483 |
| Earnings coverage of net charge-offs (x) | -1.7353% | 6,720 |
| Efficiency ratio | 196.1695% | 164 |
| Assets per employee ($millions) | 2.3934% | 7,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0648% | 639 |
| Loan loss allowance to noncurrent loans | 22.2557% | 6,959 |
| Noncurrent assets plus other real estate owned to assets | 10.8214% | 290 |
| Noncurrent loans to loans | 13.7708% | 189 |
| Net loans and leases to total assets | 57.3683% | 5,982 |
| Net loans and leases to deposits | 62.9029% | 6,595 |
| Net loans and leases to core deposits | 70.2797% | 6,957 |
| Total domestic deposits to total assets | 91.2013% | 344 |
| Equity capital to assets | 8.2088% | 6,630 |
| Core capital (leverage) ratio | 6.9578% | 7,460 |
| Tier 1 risk-based capital ratio | 10.0478% | 6,931 |
| Total risk-based capital ratio | 11.3156% | 6,863 |
| Memoranda: | ||
| Average total assets | $42,387,750 | 7,066 |
| Average earning assets | $35,429,500 | 7,188 |
| Average equity | $4,365,250 | 7,229 |
| Average total loans | $23,821,500 | 7,043 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 7,311 |
| Cost of funding earning assets | 1.2432% | 6,981 |
| Net interest margin | 3.5086% | 4,761 |
| Noninterest income to average assets | 0.9545% | 1,740 |
| Noninterest expense to average assets | 7.1890% | 203 |
| Loan and lease loss provision to assets | 1.7041% | 983 |
| Net operating income to assets | -4.9867% | 7,931 |
| Return on assets (ROA) | -4.9867% | 7,924 |
| Pretax return on assets | -4.9820% | 7,855 |
| Return on Equity (ROE) | -45.5067% | 7,889 |
| Retained earnings to average equity (ytd only) | -45.5067% | 7,880 |
| Net charge-offs to loans | 2.9660% | 554 |
| Credit loss provision to net charge-offs | 103.9773% | 4,418 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 6,350 |
| Efficiency ratio | 183.8095% | 239 |
| Assets per employee ($millions) | 2.4547% | 7,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0191% | 1,530 |
| Loan loss allowance to noncurrent loans | 18.8973% | 7,190 |
| Noncurrent assets plus other real estate owned to assets | 9.2619% | 356 |
| Noncurrent loans to loans | 10.6847% | 304 |
| Net loans and leases to total assets | 55.0036% | 6,338 |
| Net loans and leases to deposits | 61.7498% | 6,747 |
| Net loans and leases to core deposits | 69.1897% | 7,064 |
| Total domestic deposits to total assets | 89.0750% | 1,230 |
| Equity capital to assets | 10.4361% | 3,481 |
| Core capital (leverage) ratio | 9.2817% | 4,195 |
| Tier 1 risk-based capital ratio | 13.5758% | 3,771 |
| Total risk-based capital ratio | 14.8319% | 3,695 |
| Memoranda: | ||
| Average total assets | $42,954,330 | 7,098 |
| Average earning assets | $36,196,330 | 7,214 |
| Average equity | $4,707,000 | 7,170 |
| Average total loans | $23,735,330 | 7,104 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4749% | 7,740 |
| Cost of funding earning assets | 1.2525% | 7,168 |
| Net interest margin | 3.2224% | 5,786 |
| Noninterest income to average assets | 0.8814% | 1,925 |
| Noninterest expense to average assets | 5.4078% | 380 |
| Loan and lease loss provision to assets | 1.4415% | 880 |
| Net operating income to assets | -3.2043% | 7,873 |
| Return on assets (ROA) | -3.2043% | 7,876 |
| Pretax return on assets | -3.2043% | 7,792 |
| Return on Equity (ROE) | -28.5890% | 7,894 |
| Retained earnings to average equity (ytd only) | -28.5890% | 7,839 |
| Net charge-offs to loans | 3.0975% | 412 |
| Credit loss provision to net charge-offs | 84.8649% | 4,110 |
| Earnings coverage of net charge-offs (x) | -1.0378% | 5,365 |
| Efficiency ratio | 148.3627% | 361 |
| Assets per employee ($millions) | 2.4313% | 7,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7820% | 1,895 |
| Loan loss allowance to noncurrent loans | 17.1850% | 7,304 |
| Noncurrent assets plus other real estate owned to assets | 9.1813% | 268 |
| Noncurrent loans to loans | 10.3696% | 267 |
| Net loans and leases to total assets | 54.2810% | 6,436 |
| Net loans and leases to deposits | 61.5957% | 6,769 |
| Net loans and leases to core deposits | 68.8710% | 7,088 |
| Total domestic deposits to total assets | 88.1247% | 1,688 |
| Equity capital to assets | 11.4023% | 2,656 |
| Core capital (leverage) ratio | 10.5304% | 2,887 |
| Tier 1 risk-based capital ratio | 14.6139% | 3,250 |
| Total risk-based capital ratio | 15.8647% | 3,183 |
| Memoranda: | ||
| Average total assets | $43,566,500 | 7,115 |
| Average earning assets | $37,364,000 | 7,201 |
| Average equity | $4,883,000 | 7,157 |
| Average total loans | $23,890,000 | 7,138 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6653% | 6,885 |
| Cost of funding earning assets | 1.7817% | 7,055 |
| Net interest margin | 3.8835% | 3,645 |
| Noninterest income to average assets | 0.9009% | 1,951 |
| Noninterest expense to average assets | 5.4460% | 513 |
| Loan and lease loss provision to assets | 0.7515% | 1,986 |
| Net operating income to assets | -1.9577% | 7,596 |
| Return on assets (ROA) | -1.9577% | 7,557 |
| Pretax return on assets | -1.9555% | 7,430 |
| Return on Equity (ROE) | -17.4500% | 7,685 |
| Retained earnings to average equity (ytd only) | -18.3635% | 7,634 |
| Net charge-offs to loans | 1.0334% | 1,199 |
| Credit loss provision to net charge-offs | 139.1304% | 3,814 |
| Earnings coverage of net charge-offs (x) | -2.2292% | 6,718 |
| Efficiency ratio | 128.3845% | 478 |
| Assets per employee ($millions) | 2.4094% | 7,387 |
| Cash dividends to net income (ytd only)* | -5.2345% | 7,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9412% | 1,332 |
| Loan loss allowance to noncurrent loans | 21.2825% | 7,174 |
| Noncurrent assets plus other real estate owned to assets | 8.3168% | 268 |
| Noncurrent loans to loans | 9.1210% | 252 |
| Net loans and leases to total assets | 53.3456% | 6,721 |
| Net loans and leases to deposits | 60.3128% | 7,060 |
| Net loans and leases to core deposits | 67.4539% | 7,310 |
| Total domestic deposits to total assets | 88.4482% | 1,274 |
| Equity capital to assets | 11.0122% | 3,030 |
| Core capital (leverage) ratio | 9.9144% | 3,535 |
| Tier 1 risk-based capital ratio | 14.2983% | 3,396 |
| Total risk-based capital ratio | 15.5818% | 3,300 |
| Memoranda: | ||
| Average total assets | $46,841,600 | 6,905 |
| Average earning assets | $40,298,200 | 7,029 |
| Average equity | $5,255,000 | 7,062 |
| Average total loans | $24,481,600 | 7,057 |