Home > The First National Bank of Brewster > Performance and Condition Ratios
The First National Bank of Brewster, 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 | 5.3440% | 5,692 |
| Cost of funding earning assets | 1.1900% | 7,324 |
| Net interest margin | 4.1539% | 2,078 |
| Noninterest income to average assets | 0.3719% | 5,447 |
| Noninterest expense to average assets | 3.2357% | 2,838 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2789% | 5,372 |
| Return on assets (ROA) | 0.2789% | 5,542 |
| Pretax return on assets | 0.5765% | 4,825 |
| Return on Equity (ROE) | 1.5924% | 5,923 |
| Retained earnings to average equity (ytd only) | 1.5924% | 4,959 |
| Net charge-offs to loans | -0.0902% | 7,850 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0244% | 2,995 |
| Assets per employee ($millions) | 3.0650% | 5,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4466% | 3,250 |
| Loan loss allowance to noncurrent loans | 344.4444% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.2517% | 6,757 |
| Noncurrent loans to loans | 0.4200% | 6,371 |
| Net loans and leases to total assets | 59.0632% | 5,802 |
| Net loans and leases to deposits | 73.1978% | 5,587 |
| Net loans and leases to core deposits | 77.1836% | 6,597 |
| Total domestic deposits to total assets | 80.6898% | 5,095 |
| Equity capital to assets | 17.5996% | 657 |
| Core capital (leverage) ratio | 12.6288% | 1,633 |
| Tier 1 risk-based capital ratio | 17.2016% | 2,272 |
| Total risk-based capital ratio | 18.4504% | 2,214 |
| Memoranda: | ||
| Average total assets | $21,510,000 | 7,937 |
| Average earning assets | $17,814,500 | 7,971 |
| Average equity | $3,768,000 | 7,533 |
| Average total loans | $13,298,500 | 7,733 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5239% | 7,238 |
| Cost of funding earning assets | 1.6891% | 7,283 |
| Net interest margin | 3.8348% | 3,874 |
| Noninterest income to average assets | 0.5007% | 4,608 |
| Noninterest expense to average assets | 3.1744% | 3,431 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4154% | 5,092 |
| Return on assets (ROA) | 0.4226% | 4,880 |
| Pretax return on assets | 0.5375% | 4,888 |
| Return on Equity (ROE) | 2.4780% | 5,430 |
| Retained earnings to average equity (ytd only) | 2.4780% | 3,653 |
| Net charge-offs to loans | 0.0082% | 6,818 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 388 |
| Efficiency ratio | 79.6526% | 2,647 |
| Assets per employee ($millions) | 3.0807% | 5,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 3,581 |
| Loan loss allowance to noncurrent loans | 326.7857% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 6,541 |
| Noncurrent loans to loans | 0.4076% | 6,120 |
| Net loans and leases to total assets | 62.8611% | 5,480 |
| Net loans and leases to deposits | 77.9618% | 5,342 |
| Net loans and leases to core deposits | 82.1775% | 6,446 |
| Total domestic deposits to total assets | 80.6307% | 4,796 |
| Equity capital to assets | 17.4357% | 724 |
| Core capital (leverage) ratio | 12.6075% | 1,705 |
| Tier 1 risk-based capital ratio | 17.0650% | 2,287 |
| Total risk-based capital ratio | 18.2969% | 2,251 |
| Memoranda: | ||
| Average total assets | $21,767,600 | 7,957 |
| Average earning assets | $18,175,600 | 8,001 |
| Average equity | $3,712,600 | 7,600 |
| Average total loans | $12,186,000 | 7,826 |