Home > The First National Bank of Gilman > Performance and Condition Ratios
The First National Bank of Gilman, Performance and Condition Ratios
| 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 | 5.4189% | 4,854 |
| Cost of funding earning assets | 0.8913% | 7,576 |
| Net interest margin | 4.5276% | 1,126 |
| Noninterest income to average assets | 0.8701% | 2,101 |
| Noninterest expense to average assets | 4.5361% | 717 |
| Loan and lease loss provision to assets | 0.4492% | 3,668 |
| Net operating income to assets | -0.1256% | 5,932 |
| Return on assets (ROA) | -5.3339% | 7,870 |
| Pretax return on assets | -5.3339% | 7,847 |
| Return on Equity (ROE) | -129.3310% | 8,048 |
| Retained earnings to average equity (ytd only) | -129.3310% | 8,047 |
| Net charge-offs to loans | 0.5760% | 2,947 |
| Credit loss provision to net charge-offs | 144.4444% | 3,372 |
| Earnings coverage of net charge-offs (x) | 1.0404% | 5,014 |
| Efficiency ratio | 93.3420% | 1,442 |
| Assets per employee ($millions) | 2.2798% | 7,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 4,247 |
| Loan loss allowance to noncurrent loans | 20.7326% | 7,055 |
| Noncurrent assets plus other real estate owned to assets | 3.9117% | 1,644 |
| Noncurrent loans to loans | 6.4804% | 890 |
| Net loans and leases to total assets | 56.8402% | 6,048 |
| Net loans and leases to deposits | 60.2956% | 6,812 |
| Net loans and leases to core deposits | 65.9452% | 7,162 |
| Total domestic deposits to total assets | 94.2693% | 49 |
| Equity capital to assets | 3.0163% | 8,031 |
| Core capital (leverage) ratio | 3.0099% | 8,027 |
| Tier 1 risk-based capital ratio | 4.7940% | 8,009 |
| Total risk-based capital ratio | 6.0057% | 8,014 |
| Memoranda: | ||
| Average total assets | $42,444,000 | 7,058 |
| Average earning assets | $37,399,250 | 7,097 |
| Average equity | $1,750,500 | 7,971 |
| Average total loans | $22,916,250 | 7,096 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3790% | 5,255 |
| Cost of funding earning assets | 0.9077% | 7,687 |
| Net interest margin | 4.4712% | 1,243 |
| Noninterest income to average assets | 0.8060% | 2,381 |
| Noninterest expense to average assets | 4.5749% | 720 |
| Loan and lease loss provision to assets | 0.6091% | 2,615 |
| Net operating income to assets | -0.4305% | 6,474 |
| Return on assets (ROA) | -8.6918% | 8,083 |
| Pretax return on assets | -8.6918% | 8,068 |
| Return on Equity (ROE) | -195.2343% | 8,145 |
| Retained earnings to average equity (ytd only) | -195.2343% | 8,144 |
| Net charge-offs to loans | 0.8394% | 2,010 |
| Credit loss provision to net charge-offs | 137.1134% | 3,407 |
| Earnings coverage of net charge-offs (x) | 0.4021% | 5,288 |
| Efficiency ratio | 96.2428% | 1,357 |
| Assets per employee ($millions) | 2.5342% | 7,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 4,332 |
| Loan loss allowance to noncurrent loans | 35.6968% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 2.0612% | 3,114 |
| Noncurrent loans to loans | 3.6100% | 1,928 |
| Net loans and leases to total assets | 51.9185% | 6,697 |
| Net loans and leases to deposits | 54.0488% | 7,267 |
| Net loans and leases to core deposits | 56.8990% | 7,562 |
| Total domestic deposits to total assets | 96.0586% | 25 |
| Equity capital to assets | 2.6044% | 8,129 |
| Core capital (leverage) ratio | 2.2989% | 8,139 |
| Tier 1 risk-based capital ratio | 3.0118% | 8,140 |
| Total risk-based capital ratio | 3.9037% | 8,144 |
| Memoranda: | ||
| Average total assets | $43,673,330 | 7,069 |
| Average earning assets | $38,557,670 | 7,109 |
| Average equity | $1,944,330 | 8,014 |
| Average total loans | $23,112,000 | 7,142 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6536% | 4,026 |
| Cost of funding earning assets | 1.0032% | 7,666 |
| Net interest margin | 4.6504% | 866 |
| Noninterest income to average assets | 0.7369% | 2,673 |
| Noninterest expense to average assets | 3.7662% | 1,534 |
| Loan and lease loss provision to assets | 0.1910% | 4,527 |
| Net operating income to assets | 0.8278% | 3,011 |
| Return on assets (ROA) | -10.2799% | 8,169 |
| Pretax return on assets | -10.2799% | 8,158 |
| Return on Equity (ROE) | -191.8913% | 8,194 |
| Retained earnings to average equity (ytd only) | -191.8913% | 8,192 |
| Net charge-offs to loans | 0.3256% | 2,789 |
| Credit loss provision to net charge-offs | 110.5263% | 3,488 |
| Earnings coverage of net charge-offs (x) | 5.8947% | 2,587 |
| Efficiency ratio | 78.7072% | 3,044 |
| Assets per employee ($millions) | 2.5861% | 7,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 5,277 |
| Loan loss allowance to noncurrent loans | 72.6761% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.8493% | 3,144 |
| Noncurrent loans to loans | 1.5514% | 3,953 |
| Net loans and leases to total assets | 51.4637% | 6,738 |
| Net loans and leases to deposits | 55.0085% | 7,221 |
| Net loans and leases to core deposits | 58.7556% | 7,504 |
| Total domestic deposits to total assets | 93.5559% | 59 |
| Equity capital to assets | 4.5970% | 8,139 |
| Core capital (leverage) ratio | 3.8562% | 8,172 |
| Tier 1 risk-based capital ratio | 5.2380% | 8,165 |
| Total risk-based capital ratio | 6.0081% | 8,178 |
| Memoranda: | ||
| Average total assets | $43,969,500 | 7,103 |
| Average earning assets | $38,276,500 | 7,155 |
| Average equity | $2,355,500 | 7,966 |
| Average total loans | $23,338,500 | 7,169 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3237% | 3,834 |
| Cost of funding earning assets | 1.8047% | 6,991 |
| Net interest margin | 4.5190% | 1,377 |
| Noninterest income to average assets | 1.0122% | 1,539 |
| Noninterest expense to average assets | 3.3937% | 2,698 |
| Loan and lease loss provision to assets | 2.0728% | 569 |
| Net operating income to assets | -0.4998% | 6,926 |
| Return on assets (ROA) | -1.5373% | 7,430 |
| Pretax return on assets | -1.5373% | 7,274 |
| Return on Equity (ROE) | -24.7917% | 7,859 |
| Retained earnings to average equity (ytd only) | -28.1447% | 7,876 |
| Net charge-offs to loans | 3.3087% | 248 |
| Credit loss provision to net charge-offs | 112.8000% | 4,786 |
| Earnings coverage of net charge-offs (x) | 0.8560% | 5,712 |
| Efficiency ratio | 68.3298% | 4,668 |
| Assets per employee ($millions) | 2.5868% | 7,039 |
| Cash dividends to net income (ytd only)* | -13.5246% | 7,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 5,446 |
| Loan loss allowance to noncurrent loans | 56.5121% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 2.4900% | 1,954 |
| Noncurrent loans to loans | 1.9038% | 2,894 |
| Net loans and leases to total assets | 53.5246% | 6,703 |
| Net loans and leases to deposits | 57.3608% | 7,242 |
| Net loans and leases to core deposits | 61.6307% | 7,521 |
| Total domestic deposits to total assets | 93.3123% | 41 |
| Equity capital to assets | 6.1170% | 8,040 |
| Core capital (leverage) ratio | 6.2167% | 8,014 |
| Tier 1 risk-based capital ratio | 10.1800% | 6,538 |
| Total risk-based capital ratio | 11.0833% | 6,804 |
| Memoranda: | ||
| Average total assets | $47,617,200 | 6,876 |
| Average earning assets | $41,668,400 | 6,963 |
| Average equity | $2,952,600 | 7,849 |
| Average total loans | $26,445,400 | 6,936 |