Home > Rossville Bank > Performance and Condition Ratios
Rossville Bank, Performance and Condition Ratios
| 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 | 6.7410% | 1,900 |
| Cost of funding earning assets | 1.7796% | 7,059 |
| Net interest margin | 4.9615% | 555 |
| Noninterest income to average assets | 0.8296% | 2,350 |
| Noninterest expense to average assets | 4.0244% | 1,381 |
| Loan and lease loss provision to assets | 0.3065% | 3,921 |
| Net operating income to assets | 1.0452% | 2,380 |
| Return on assets (ROA) | 0.3474% | 5,179 |
| Pretax return on assets | 0.3555% | 5,372 |
| Return on Equity (ROE) | 3.0979% | 5,194 |
| Retained earnings to average equity (ytd only) | -6.0864% | 6,674 |
| Net charge-offs to loans | 0.3112% | 3,309 |
| Credit loss provision to net charge-offs | 141.5094% | 3,749 |
| Earnings coverage of net charge-offs (x) | 6.3443% | 3,376 |
| Efficiency ratio | 74.5458% | 3,485 |
| Assets per employee ($millions) | 2.5339% | 7,140 |
| Cash dividends to net income (ytd only)* | 296.4706% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 5,970 |
| Loan loss allowance to noncurrent loans | 110.0890% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 4,908 |
| Noncurrent loans to loans | 0.9148% | 4,788 |
| Net loans and leases to total assets | 75.7465% | 2,694 |
| Net loans and leases to deposits | 87.2583% | 3,900 |
| Net loans and leases to core deposits | 114.1913% | 3,320 |
| Total domestic deposits to total assets | 86.8071% | 2,029 |
| Equity capital to assets | 11.4668% | 2,659 |
| Core capital (leverage) ratio | 11.1369% | 2,476 |
| Tier 1 risk-based capital ratio | 14.6896% | 3,207 |
| Total risk-based capital ratio | 15.6853% | 3,237 |
| Memoranda: | ||
| Average total assets | $97,878,000 | 5,118 |
| Average earning assets | $90,134,400 | 5,076 |
| Average equity | $10,975,200 | 5,130 |
| Average total loans | $68,127,200 | 4,941 |