Home > The First National Bank of Ekalaka > Performance and Condition Ratios
The First National Bank of Ekalaka, Performance and Condition Ratios
| 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 | 4.4492% | 7,672 |
| Cost of funding earning assets | 1.5599% | 5,887 |
| Net interest margin | 2.8892% | 6,825 |
| Noninterest income to average assets | 0.1507% | 7,191 |
| Noninterest expense to average assets | 2.2673% | 6,857 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4325% | 4,365 |
| Return on assets (ROA) | 0.4325% | 4,482 |
| Pretax return on assets | 0.6749% | 4,082 |
| Return on Equity (ROE) | 6.0811% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.0811% | 1,981 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0601% | 3,501 |
| Assets per employee ($millions) | 3.4874% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 3,451 |
| Loan loss allowance to noncurrent loans | 348.4848% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 6,980 |
| Noncurrent loans to loans | 0.4166% | 6,466 |
| Net loans and leases to total assets | 49.7403% | 6,898 |
| Net loans and leases to deposits | 54.0152% | 7,271 |
| Net loans and leases to core deposits | 59.5855% | 7,464 |
| Total domestic deposits to total assets | 92.0859% | 198 |
| Equity capital to assets | 7.0252% | 7,606 |
| Core capital (leverage) ratio | 7.0937% | 7,459 |
| Tier 1 risk-based capital ratio | 9.3113% | 7,528 |
| Total risk-based capital ratio | 10.3247% | 7,670 |
| Memoranda: | ||
| Average total assets | $30,521,000 | 7,582 |
| Average earning assets | $29,488,670 | 7,501 |
| Average equity | $2,170,670 | 7,967 |
| Average total loans | $14,622,330 | 7,614 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4856% | 7,731 |
| Cost of funding earning assets | 1.6099% | 5,989 |
| Net interest margin | 2.8757% | 6,814 |
| Noninterest income to average assets | 0.1329% | 7,338 |
| Noninterest expense to average assets | 2.3132% | 6,493 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3855% | 4,918 |
| Return on assets (ROA) | 0.3855% | 5,102 |
| Pretax return on assets | 0.5982% | 4,753 |
| Return on Equity (ROE) | 5.3866% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.3866% | 2,915 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4521% | 2,918 |
| Assets per employee ($millions) | 3.3531% | 5,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5534% | 2,707 |
| Loan loss allowance to noncurrent loans | 353.8462% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 6,876 |
| Noncurrent loans to loans | 0.4390% | 6,327 |
| Net loans and leases to total assets | 48.3001% | 7,000 |
| Net loans and leases to deposits | 52.6666% | 7,360 |
| Net loans and leases to core deposits | 60.6449% | 7,430 |
| Total domestic deposits to total assets | 91.7092% | 226 |
| Equity capital to assets | 7.1840% | 7,579 |
| Core capital (leverage) ratio | 7.0658% | 7,589 |
| Tier 1 risk-based capital ratio | 10.0097% | 6,906 |
| Total risk-based capital ratio | 11.1178% | 6,963 |
| Memoranda: | ||
| Average total assets | $30,088,000 | 7,643 |
| Average earning assets | $29,071,000 | 7,566 |
| Average equity | $2,153,500 | 8,024 |
| Average total loans | $14,012,500 | 7,691 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8835% | 6,120 |
| Cost of funding earning assets | 2.3021% | 5,142 |
| Net interest margin | 3.5814% | 4,972 |
| Noninterest income to average assets | 0.2356% | 6,756 |
| Noninterest expense to average assets | 2.4752% | 6,106 |
| Loan and lease loss provision to assets | 0.2426% | 4,485 |
| Net operating income to assets | 0.6504% | 4,106 |
| Return on assets (ROA) | 0.6504% | 3,956 |
| Pretax return on assets | 0.9036% | 3,707 |
| Return on Equity (ROE) | 8.2619% | 2,951 |
| Retained earnings to average equity (ytd only) | -2.3223% | 5,957 |
| Net charge-offs to loans | 0.7454% | 1,661 |
| Credit loss provision to net charge-offs | 69.6970% | 6,078 |
| Earnings coverage of net charge-offs (x) | 3.2929% | 4,435 |
| Efficiency ratio | 68.3495% | 4,662 |
| Assets per employee ($millions) | 3.3331% | 5,135 |
| Cash dividends to net income (ytd only)* | 128.1081% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7399% | 1,799 |
| Loan loss allowance to noncurrent loans | 353.8462% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 6,705 |
| Noncurrent loans to loans | 0.4917% | 5,877 |
| Net loans and leases to total assets | 43.2996% | 7,510 |
| Net loans and leases to deposits | 47.2276% | 7,745 |
| Net loans and leases to core deposits | 55.3737% | 7,756 |
| Total domestic deposits to total assets | 91.6828% | 180 |
| Equity capital to assets | 7.1305% | 7,664 |
| Core capital (leverage) ratio | 7.1122% | 7,603 |
| Tier 1 risk-based capital ratio | 9.6660% | 7,126 |
| Total risk-based capital ratio | 10.7506% | 7,226 |
| Memoranda: | ||
| Average total assets | $28,442,000 | 7,707 |
| Average earning assets | $26,888,800 | 7,666 |
| Average equity | $2,239,200 | 8,061 |
| Average total loans | $13,281,200 | 7,755 |