Home > The Bank of Nashville > Performance and Condition Ratios
The Bank of Nashville, Performance and Condition Ratios
| 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 | 4.4772% | 6,834 |
| Cost of funding earning assets | 1.6232% | 2,812 |
| Net interest margin | 2.8540% | 7,092 |
| Noninterest income to average assets | -0.1757% | 7,795 |
| Noninterest expense to average assets | 2.5489% | 5,554 |
| Loan and lease loss provision to assets | 3.7736% | 240 |
| Net operating income to assets | -4.6302% | 7,763 |
| Return on assets (ROA) | -4.6302% | 7,768 |
| Pretax return on assets | -3.8245% | 7,678 |
| Return on Equity (ROE) | -51.4887% | 7,713 |
| Retained earnings to average equity (ytd only) | -51.4887% | 7,703 |
| Net charge-offs to loans | 4.0700% | 321 |
| Credit loss provision to net charge-offs | 118.1078% | 2,960 |
| Earnings coverage of net charge-offs (x) | -0.0159% | 5,038 |
| Efficiency ratio | 98.8431% | 887 |
| Assets per employee ($millions) | 7.5168% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8152% | 431 |
| Loan loss allowance to noncurrent loans | 76.0406% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 4.6343% | 1,441 |
| Noncurrent loans to loans | 5.0173% | 1,443 |
| Net loans and leases to total assets | 73.7949% | 2,015 |
| Net loans and leases to deposits | 96.8963% | 1,010 |
| Net loans and leases to core deposits | 142.1175% | 307 |
| Total domestic deposits to total assets | 76.1586% | 6,728 |
| Equity capital to assets | 9.3274% | 4,791 |
| Core capital (leverage) ratio | 9.0569% | 4,460 |
| Tier 1 risk-based capital ratio | 10.7064% | 6,434 |
| Total risk-based capital ratio | 11.9849% | 6,390 |
| Memoranda: | ||
| Average total assets | $692,064,500 | 993 |
| Average earning assets | $648,357,000 | 967 |
| Average equity | $62,235,000 | 1,075 |
| Average total loans | $543,293,500 | 862 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7600% | 7,026 |
| Cost of funding earning assets | 1.9501% | 3,209 |
| Net interest margin | 2.8098% | 7,043 |
| Noninterest income to average assets | 0.1121% | 7,196 |
| Noninterest expense to average assets | 2.4955% | 6,144 |
| Loan and lease loss provision to assets | 4.7959% | 220 |
| Net operating income to assets | -3.4046% | 7,485 |
| Return on assets (ROA) | -3.3382% | 7,469 |
| Pretax return on assets | -4.4270% | 7,627 |
| Return on Equity (ROE) | -36.6409% | 7,518 |
| Retained earnings to average equity (ytd only) | -36.6409% | 7,504 |
| Net charge-offs to loans | 5.5902% | 198 |
| Credit loss provision to net charge-offs | 102.1803% | 5,412 |
| Earnings coverage of net charge-offs (x) | 0.0597% | 6,108 |
| Efficiency ratio | 87.2949% | 1,953 |
| Assets per employee ($millions) | 7.5281% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4605% | 546 |
| Loan loss allowance to noncurrent loans | 111.9053% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 3.8231% | 1,741 |
| Noncurrent loans to loans | 3.0923% | 2,469 |
| Net loans and leases to total assets | 77.5038% | 1,481 |
| Net loans and leases to deposits | 103.8458% | 656 |
| Net loans and leases to core deposits | 154.0722% | 425 |
| Total domestic deposits to total assets | 74.6336% | 6,924 |
| Equity capital to assets | 8.6584% | 5,648 |
| Core capital (leverage) ratio | 8.1240% | 5,950 |
| Tier 1 risk-based capital ratio | 9.2561% | 7,356 |
| Total risk-based capital ratio | 10.5304% | 7,339 |
| Memoranda: | ||
| Average total assets | $766,132,200 | 896 |
| Average earning assets | $726,303,400 | 859 |
| Average equity | $69,799,000 | 934 |
| Average total loans | $643,248,200 | 730 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8024% | 7,120 |
| Cost of funding earning assets | 2.0417% | 3,159 |
| Net interest margin | 2.7607% | 7,114 |
| Noninterest income to average assets | 0.1105% | 7,353 |
| Noninterest expense to average assets | 2.4065% | 6,395 |
| Loan and lease loss provision to assets | 3.5229% | 371 |
| Net operating income to assets | -2.8296% | 7,552 |
| Return on assets (ROA) | -2.7452% | 7,530 |
| Pretax return on assets | -3.0948% | 7,531 |
| Return on Equity (ROE) | -29.8058% | 7,602 |
| Retained earnings to average equity (ytd only) | -29.8058% | 7,591 |
| Net charge-offs to loans | 4.1952% | 320 |
| Credit loss provision to net charge-offs | 99.0586% | 5,163 |
| Earnings coverage of net charge-offs (x) | 0.0937% | 5,949 |
| Efficiency ratio | 85.2615% | 2,152 |
| Assets per employee ($millions) | 7.8247% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9728% | 681 |
| Loan loss allowance to noncurrent loans | 63.8462% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 4.4345% | 1,386 |
| Noncurrent loans to loans | 4.6562% | 1,480 |
| Net loans and leases to total assets | 83.6986% | 578 |
| Net loans and leases to deposits | 113.5902% | 343 |
| Net loans and leases to core deposits | 172.3560% | 252 |
| Total domestic deposits to total assets | 73.6847% | 7,008 |
| Equity capital to assets | 9.4454% | 4,817 |
| Core capital (leverage) ratio | 8.5602% | 5,374 |
| Tier 1 risk-based capital ratio | 9.8310% | 7,107 |
| Total risk-based capital ratio | 11.1006% | 7,059 |
| Memoranda: | ||
| Average total assets | $784,519,000 | 879 |
| Average earning assets | $747,186,250 | 843 |
| Average equity | $72,257,000 | 920 |
| Average total loans | $665,055,000 | 720 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7759% | 7,267 |
| Cost of funding earning assets | 2.1015% | 3,259 |
| Net interest margin | 2.6744% | 7,258 |
| Noninterest income to average assets | 0.0470% | 7,747 |
| Noninterest expense to average assets | 2.3250% | 6,689 |
| Loan and lease loss provision to assets | 1.8428% | 891 |
| Net operating income to assets | -0.9408% | 6,924 |
| Return on assets (ROA) | -0.9408% | 6,932 |
| Pretax return on assets | -1.5705% | 7,123 |
| Return on Equity (ROE) | -10.2917% | 7,056 |
| Retained earnings to average equity (ytd only) | -10.2917% | 6,899 |
| Net charge-offs to loans | 2.9766% | 551 |
| Credit loss provision to net charge-offs | 73.4089% | 5,356 |
| Earnings coverage of net charge-offs (x) | 0.1085% | 5,565 |
| Efficiency ratio | 86.8787% | 2,133 |
| Assets per employee ($millions) | 8.2157% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3968% | 997 |
| Loan loss allowance to noncurrent loans | 89.5341% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 2.4375% | 2,650 |
| Noncurrent loans to loans | 2.6769% | 2,690 |
| Net loans and leases to total assets | 83.0934% | 774 |
| Net loans and leases to deposits | 118.5180% | 267 |
| Net loans and leases to core deposits | 181.6203% | 210 |
| Total domestic deposits to total assets | 70.1103% | 7,460 |
| Equity capital to assets | 9.3000% | 4,867 |
| Core capital (leverage) ratio | 8.1558% | 6,065 |
| Tier 1 risk-based capital ratio | 9.1544% | 7,616 |
| Total risk-based capital ratio | 10.4178% | 7,616 |
| Memoranda: | ||
| Average total assets | $808,675,330 | 871 |
| Average earning assets | $771,168,000 | 831 |
| Average equity | $73,924,000 | 900 |
| Average total loans | $681,994,670 | 724 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 7,457 |
| Cost of funding earning assets | 2.1951% | 3,190 |
| Net interest margin | 2.5367% | 7,456 |
| Noninterest income to average assets | 0.3604% | 5,558 |
| Noninterest expense to average assets | 2.2286% | 6,768 |
| Loan and lease loss provision to assets | 1.6762% | 738 |
| Net operating income to assets | -0.6671% | 7,023 |
| Return on assets (ROA) | -0.6671% | 7,062 |
| Pretax return on assets | -1.1267% | 7,213 |
| Return on Equity (ROE) | -7.3571% | 7,180 |
| Retained earnings to average equity (ytd only) | -7.3571% | 6,837 |
| Net charge-offs to loans | 1.8783% | 769 |
| Credit loss provision to net charge-offs | 106.2883% | 3,585 |
| Earnings coverage of net charge-offs (x) | 0.3485% | 4,696 |
| Efficiency ratio | 77.8165% | 3,197 |
| Assets per employee ($millions) | 8.3531% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7281% | 612 |
| Loan loss allowance to noncurrent loans | 124.9213% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 2.1315% | 2,704 |
| Noncurrent loans to loans | 2.1838% | 3,004 |
| Net loans and leases to total assets | 82.9795% | 847 |
| Net loans and leases to deposits | 111.2235% | 559 |
| Net loans and leases to core deposits | 178.0099% | 254 |
| Total domestic deposits to total assets | 74.6061% | 6,783 |
| Equity capital to assets | 9.2668% | 4,986 |
| Core capital (leverage) ratio | 8.0085% | 6,433 |
| Tier 1 risk-based capital ratio | 9.2323% | 7,645 |
| Total risk-based capital ratio | 10.4995% | 7,610 |
| Memoranda: | ||
| Average total assets | $826,875,000 | 851 |
| Average earning assets | $788,120,000 | 809 |
| Average equity | $74,975,000 | 889 |
| Average total loans | $694,258,000 | 715 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9628% | 5,738 |
| Cost of funding earning assets | 2.9722% | 1,973 |
| Net interest margin | 2.9906% | 6,939 |
| Noninterest income to average assets | 0.1454% | 7,374 |
| Noninterest expense to average assets | 8.0603% | 217 |
| Loan and lease loss provision to assets | 2.5103% | 412 |
| Net operating income to assets | -6.9608% | 8,194 |
| Return on assets (ROA) | -6.9608% | 8,189 |
| Pretax return on assets | -7.7042% | 8,190 |
| Return on Equity (ROE) | -53.9312% | 8,174 |
| Retained earnings to average equity (ytd only) | -55.0256% | 8,164 |
| Net charge-offs to loans | 1.9719% | 548 |
| Credit loss provision to net charge-offs | 156.9710% | 3,317 |
| Earnings coverage of net charge-offs (x) | -3.2477% | 6,775 |
| Efficiency ratio | 76.4978% | 3,150 |
| Assets per employee ($millions) | 8.3515% | 412 |
| Cash dividends to net income (ytd only)* | -2.0291% | 7,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6201% | 601 |
| Loan loss allowance to noncurrent loans | 234.6129% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 1.0550% | 4,176 |
| Noncurrent loans to loans | 1.1168% | 4,314 |
| Net loans and leases to total assets | 80.5288% | 1,543 |
| Net loans and leases to deposits | 106.0934% | 1,115 |
| Net loans and leases to core deposits | 170.2282% | 393 |
| Total domestic deposits to total assets | 75.9037% | 6,268 |
| Equity capital to assets | 8.8794% | 5,529 |
| Core capital (leverage) ratio | 7.8872% | 6,671 |
| Tier 1 risk-based capital ratio | 9.6870% | 7,101 |
| Total risk-based capital ratio | 10.9523% | 6,984 |
| Memoranda: | ||
| Average total assets | $940,945,800 | 705 |
| Average earning assets | $856,143,400 | 705 |
| Average equity | $121,445,400 | 558 |
| Average total loans | $763,117,200 | 627 |