Home > The Beverly National Bank > Performance and Condition Ratios
The Beverly National Bank, Performance and Condition Ratios
| 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 | 0.7934% | 7,982 |
| Cost of funding earning assets | 0.2092% | 7,936 |
| Net interest margin | 0.5841% | 7,964 |
| Noninterest income to average assets | 0.1252% | 7,124 |
| Noninterest expense to average assets | 0.4333% | 7,987 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1927% | 4,919 |
| Return on assets (ROA) | 0.1930% | 4,991 |
| Pretax return on assets | 0.2300% | 4,938 |
| Return on Equity (ROE) | 2.5321% | 4,696 |
| Retained earnings to average equity (ytd only) | -0.0623% | 4,949 |
| Net charge-offs to loans | 0.0545% | 6,553 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 6.4860% | 2,354 |
| Efficiency ratio | 65.3640% | 5,526 |
| Assets per employee ($millions) | 5.8833% | 1,332 |
| Cash dividends to net income (ytd only)* | 102.4590% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 4,249 |
| Loan loss allowance to noncurrent loans | 271.5881% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 6,691 |
| Noncurrent loans to loans | 0.5148% | 6,222 |
| Net loans and leases to total assets | 57.6726% | 5,714 |
| Net loans and leases to deposits | 74.7943% | 4,908 |
| Net loans and leases to core deposits | 79.8153% | 6,119 |
| Total domestic deposits to total assets | 77.1083% | 6,448 |
| Equity capital to assets | 6.1997% | 7,629 |
| Core capital (leverage) ratio | 6.0831% | 7,616 |
| Tier 1 risk-based capital ratio | 9.6474% | 7,128 |
| Total risk-based capital ratio | 10.8989% | 7,103 |
| Memoranda: | ||
| Average total assets | $505,654,800 | 1,362 |
| Average earning assets | $465,476,000 | 1,354 |
| Average equity | $38,544,400 | 1,742 |
| Average total loans | $328,189,600 | 1,468 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3422% | 5,212 |
| Cost of funding earning assets | 1.3766% | 6,311 |
| Net interest margin | 3.9656% | 2,961 |
| Noninterest income to average assets | 0.7804% | 2,544 |
| Noninterest expense to average assets | 3.4824% | 2,323 |
| Loan and lease loss provision to assets | 0.1151% | 6,214 |
| Net operating income to assets | 0.6144% | 3,561 |
| Return on assets (ROA) | 0.6201% | 3,583 |
| Pretax return on assets | 0.8454% | 3,400 |
| Return on Equity (ROE) | 7.7459% | 2,751 |
| Retained earnings to average equity (ytd only) | 4.4028% | 2,813 |
| Net charge-offs to loans | 0.0719% | 5,969 |
| Credit loss provision to net charge-offs | 240.2235% | 1,823 |
| Earnings coverage of net charge-offs (x) | 19.8883% | 1,261 |
| Efficiency ratio | 78.5193% | 3,076 |
| Assets per employee ($millions) | 5.0463% | 2,093 |
| Cash dividends to net income (ytd only)* | 43.1592% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 4,239 |
| Loan loss allowance to noncurrent loans | 1,128.3505% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 7,376 |
| Noncurrent loans to loans | 0.1192% | 7,175 |
| Net loans and leases to total assets | 60.6112% | 5,486 |
| Net loans and leases to deposits | 81.3062% | 4,150 |
| Net loans and leases to core deposits | 87.5426% | 5,684 |
| Total domestic deposits to total assets | 74.5469% | 6,856 |
| Equity capital to assets | 7.8156% | 7,023 |
| Core capital (leverage) ratio | 7.9000% | 6,503 |
| Tier 1 risk-based capital ratio | 11.1085% | 5,845 |
| Total risk-based capital ratio | 12.3334% | 5,827 |
| Memoranda: | ||
| Average total assets | $498,223,250 | 1,399 |
| Average earning assets | $459,175,500 | 1,390 |
| Average equity | $39,882,500 | 1,703 |
| Average total loans | $331,950,500 | 1,475 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5519% | 4,329 |
| Cost of funding earning assets | 1.4106% | 6,443 |
| Net interest margin | 4.1413% | 2,190 |
| Noninterest income to average assets | 0.7907% | 2,460 |
| Noninterest expense to average assets | 3.5770% | 2,133 |
| Loan and lease loss provision to assets | 0.1538% | 5,532 |
| Net operating income to assets | 0.6361% | 3,528 |
| Return on assets (ROA) | 0.6361% | 3,638 |
| Pretax return on assets | 0.8657% | 3,459 |
| Return on Equity (ROE) | 7.8786% | 2,824 |
| Retained earnings to average equity (ytd only) | 2.7989% | 3,766 |
| Net charge-offs to loans | 0.0048% | 6,540 |
| Credit loss provision to net charge-offs | 4,687.5000% | 107 |
| Earnings coverage of net charge-offs (x) | 310.7500% | 123 |
| Efficiency ratio | 77.8194% | 3,376 |
| Assets per employee ($millions) | 4.2733% | 3,157 |
| Cash dividends to net income (ytd only)* | 64.4745% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3774% | 3,850 |
| Loan loss allowance to noncurrent loans | 1,616.1871% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 7,456 |
| Noncurrent loans to loans | 0.0852% | 7,313 |
| Net loans and leases to total assets | 64.8970% | 4,781 |
| Net loans and leases to deposits | 86.8118% | 3,387 |
| Net loans and leases to core deposits | 93.9379% | 5,126 |
| Total domestic deposits to total assets | 74.7560% | 6,810 |
| Equity capital to assets | 7.9734% | 6,783 |
| Core capital (leverage) ratio | 7.9349% | 6,436 |
| Tier 1 risk-based capital ratio | 10.9488% | 5,930 |
| Total risk-based capital ratio | 12.1969% | 5,873 |
| Memoranda: | ||
| Average total assets | $487,676,330 | 1,452 |
| Average earning assets | $448,172,670 | 1,443 |
| Average equity | $39,372,670 | 1,729 |
| Average total loans | $334,089,000 | 1,490 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6585% | 4,005 |
| Cost of funding earning assets | 1.4088% | 6,699 |
| Net interest margin | 4.2497% | 1,749 |
| Noninterest income to average assets | 0.8006% | 2,321 |
| Noninterest expense to average assets | 3.4859% | 2,137 |
| Loan and lease loss provision to assets | 0.1861% | 4,579 |
| Net operating income to assets | 0.7410% | 3,384 |
| Return on assets (ROA) | 0.7410% | 3,566 |
| Pretax return on assets | 1.0379% | 3,213 |
| Return on Equity (ROE) | 9.1203% | 2,659 |
| Retained earnings to average equity (ytd only) | 9.1203% | 1,436 |
| Net charge-offs to loans | -0.0390% | 7,633 |
| Credit loss provision to net charge-offs | -681.8182% | 6,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0123% | 3,820 |
| Assets per employee ($millions) | 4.3534% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 4,078 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 68.8961% | 3,940 |
| Net loans and leases to deposits | 95.1283% | 2,089 |
| Net loans and leases to core deposits | 102.9446% | 4,247 |
| Total domestic deposits to total assets | 72.4244% | 7,149 |
| Equity capital to assets | 8.2540% | 6,460 |
| Core capital (leverage) ratio | 8.8260% | 4,940 |
| Tier 1 risk-based capital ratio | 11.6413% | 5,257 |
| Total risk-based capital ratio | 12.8578% | 5,204 |
| Memoranda: | ||
| Average total assets | $483,664,000 | 1,468 |
| Average earning assets | $444,924,000 | 1,455 |
| Average equity | $39,297,000 | 1,728 |
| Average total loans | $338,039,500 | 1,485 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9342% | 5,885 |
| Cost of funding earning assets | 2.0348% | 6,302 |
| Net interest margin | 3.8994% | 3,570 |
| Noninterest income to average assets | 0.9360% | 1,828 |
| Noninterest expense to average assets | 3.2736% | 3,061 |
| Loan and lease loss provision to assets | 0.1682% | 5,229 |
| Net operating income to assets | 0.8840% | 3,073 |
| Return on assets (ROA) | -0.0391% | 6,278 |
| Pretax return on assets | -0.3352% | 6,491 |
| Return on Equity (ROE) | -0.4522% | 6,290 |
| Retained earnings to average equity (ytd only) | -5.2373% | 6,548 |
| Net charge-offs to loans | 0.0899% | 5,458 |
| Credit loss provision to net charge-offs | 271.0000% | 1,697 |
| Earnings coverage of net charge-offs (x) | 20.5467% | 1,568 |
| Efficiency ratio | 71.9640% | 3,946 |
| Assets per employee ($millions) | 4.3612% | 2,858 |
| Cash dividends to net income (ytd only)* | -1,058.2011% | 8,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 4,395 |
| Loan loss allowance to noncurrent loans | 2,218.8172% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 7,437 |
| Noncurrent loans to loans | 0.0549% | 7,289 |
| Net loans and leases to total assets | 69.1266% | 4,221 |
| Net loans and leases to deposits | 98.3370% | 2,080 |
| Net loans and leases to core deposits | 105.6941% | 4,223 |
| Total domestic deposits to total assets | 70.2956% | 7,243 |
| Equity capital to assets | 7.9959% | 6,848 |
| Core capital (leverage) ratio | 8.6916% | 5,212 |
| Tier 1 risk-based capital ratio | 11.4545% | 5,283 |
| Total risk-based capital ratio | 12.6069% | 5,281 |
| Memoranda: | ||
| Average total assets | $483,317,000 | 1,418 |
| Average earning assets | $447,813,400 | 1,387 |
| Average equity | $41,796,600 | 1,604 |
| Average total loans | $333,761,000 | 1,457 |