Home > The Hoisington National Bank > Performance and Condition Ratios
The Hoisington National Bank, Performance and Condition Ratios
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7600% | 5,930 |
| Cost of funding earning assets | 0.5817% | 7,436 |
| Net interest margin | 4.1783% | 2,233 |
| Noninterest income to average assets | 0.3669% | 5,205 |
| Noninterest expense to average assets | 3.3649% | 2,355 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8233% | 2,859 |
| Return on assets (ROA) | 0.8233% | 3,008 |
| Pretax return on assets | 0.8591% | 3,664 |
| Return on Equity (ROE) | 5.7125% | 3,933 |
| Retained earnings to average equity (ytd only) | -3.6014% | 6,386 |
| Net charge-offs to loans | 0.4114% | 3,341 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 5.6471% | 2,623 |
| Efficiency ratio | 79.6610% | 2,483 |
| Assets per employee ($millions) | 2.4823% | 7,122 |
| Cash dividends to net income (ytd only)* | 163.0435% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6831% | 7,279 |
| Loan loss allowance to noncurrent loans | 5,700.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 7,416 |
| Noncurrent loans to loans | 0.0120% | 7,301 |
| Net loans and leases to total assets | 37.0932% | 7,313 |
| Net loans and leases to deposits | 43.7563% | 7,329 |
| Net loans and leases to core deposits | 43.7563% | 7,406 |
| Total domestic deposits to total assets | 84.7724% | 3,741 |
| Equity capital to assets | 14.7173% | 947 |
| Core capital (leverage) ratio | 12.5969% | 1,367 |
| Tier 1 risk-based capital ratio | 23.5403% | 990 |
| Total risk-based capital ratio | 24.0543% | 1,070 |
| Memoranda: | ||
| Average total assets | $22,348,330 | 7,572 |
| Average earning assets | $20,630,330 | 7,541 |
| Average equity | $3,221,000 | 7,350 |
| Average total loans | $8,264,000 | 7,617 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7884% | 5,932 |
| Cost of funding earning assets | 0.6010% | 7,536 |
| Net interest margin | 4.1875% | 2,094 |
| Noninterest income to average assets | 0.4116% | 4,802 |
| Noninterest expense to average assets | 3.4180% | 2,185 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8232% | 2,870 |
| Return on assets (ROA) | 0.8232% | 2,963 |
| Pretax return on assets | 0.8590% | 3,629 |
| Return on Equity (ROE) | 5.7725% | 3,978 |
| Retained earnings to average equity (ytd only) | -13.0510% | 7,123 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9163% | 2,576 |
| Assets per employee ($millions) | 3.2613% | 5,627 |
| Cash dividends to net income (ytd only)* | 326.0870% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 6,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 35.1658% | 7,458 |
| Net loans and leases to deposits | 41.0702% | 7,482 |
| Net loans and leases to core deposits | 41.0702% | 7,549 |
| Total domestic deposits to total assets | 85.6235% | 3,354 |
| Equity capital to assets | 13.8508% | 1,191 |
| Core capital (leverage) ratio | 12.4750% | 1,415 |
| Tier 1 risk-based capital ratio | 23.6835% | 994 |
| Total risk-based capital ratio | 24.3558% | 1,038 |
| Memoranda: | ||
| Average total assets | $22,352,000 | 7,667 |
| Average earning assets | $20,633,000 | 7,631 |
| Average equity | $3,187,500 | 7,441 |
| Average total loans | $8,224,000 | 7,720 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3239% | 5,068 |
| Cost of funding earning assets | 0.7591% | 7,611 |
| Net interest margin | 4.5648% | 1,047 |
| Noninterest income to average assets | 0.4781% | 4,588 |
| Noninterest expense to average assets | 3.6551% | 2,018 |
| Loan and lease loss provision to assets | 0.1793% | 5,911 |
| Net operating income to assets | 0.8368% | 2,396 |
| Return on assets (ROA) | 0.8368% | 2,480 |
| Pretax return on assets | 0.8735% | 3,008 |
| Return on Equity (ROE) | 5.6694% | 3,347 |
| Retained earnings to average equity (ytd only) | -3.6758% | 5,817 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6367% | 3,252 |
| Assets per employee ($millions) | 2.4306% | 7,315 |
| Cash dividends to net income (ytd only)* | 164.8352% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 6,872 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 7,509 |
| Noncurrent loans to loans | 0.0240% | 7,380 |
| Net loans and leases to total assets | 37.8149% | 7,454 |
| Net loans and leases to deposits | 45.8029% | 7,451 |
| Net loans and leases to core deposits | 48.9207% | 7,614 |
| Total domestic deposits to total assets | 82.5600% | 4,721 |
| Equity capital to assets | 14.6880% | 978 |
| Core capital (leverage) ratio | 13.3277% | 1,151 |
| Tier 1 risk-based capital ratio | 25.0813% | 836 |
| Total risk-based capital ratio | 25.7673% | 875 |
| Memoranda: | ||
| Average total assets | $21,750,600 | 7,728 |
| Average earning assets | $20,154,400 | 7,710 |
| Average equity | $3,210,200 | 7,529 |
| Average total loans | $8,739,800 | 7,755 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3152% | 5,342 |
| Cost of funding earning assets | 0.7979% | 7,694 |
| Net interest margin | 4.5173% | 1,151 |
| Noninterest income to average assets | 0.5095% | 4,409 |
| Noninterest expense to average assets | 3.5482% | 2,151 |
| Loan and lease loss provision to assets | 0.2394% | 5,053 |
| Net operating income to assets | 0.8901% | 2,452 |
| Return on assets (ROA) | 0.8901% | 2,530 |
| Pretax return on assets | 0.9270% | 3,142 |
| Return on Equity (ROE) | 6.0237% | 3,522 |
| Retained earnings to average equity (ytd only) | -6.4390% | 6,438 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2604% | 3,644 |
| Assets per employee ($millions) | 2.7483% | 6,739 |
| Cash dividends to net income (ytd only)* | 206.8949% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 7,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 40.2256% | 7,457 |
| Net loans and leases to deposits | 49.5740% | 7,428 |
| Net loans and leases to core deposits | 53.0152% | 7,625 |
| Total domestic deposits to total assets | 81.1425% | 5,016 |
| Equity capital to assets | 14.6047% | 1,115 |
| Core capital (leverage) ratio | 13.0441% | 1,364 |
| Tier 1 risk-based capital ratio | 24.0801% | 993 |
| Total risk-based capital ratio | 24.7476% | 1,029 |
| Memoranda: | ||
| Average total assets | $21,719,500 | 7,806 |
| Average earning assets | $20,218,250 | 7,779 |
| Average equity | $3,209,500 | 7,593 |
| Average total loans | $8,838,250 | 7,829 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3621% | 5,342 |
| Cost of funding earning assets | 0.8787% | 7,719 |
| Net interest margin | 4.4834% | 1,207 |
| Noninterest income to average assets | 0.5918% | 3,763 |
| Noninterest expense to average assets | 3.4858% | 2,380 |
| Loan and lease loss provision to assets | 0.3606% | 3,763 |
| Net operating income to assets | 0.8599% | 2,610 |
| Return on assets (ROA) | 0.8599% | 2,714 |
| Pretax return on assets | 0.8969% | 3,348 |
| Return on Equity (ROE) | 5.7962% | 3,749 |
| Retained earnings to average equity (ytd only) | -3.5525% | 6,050 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4893% | 4,111 |
| Assets per employee ($millions) | 2.7003% | 6,831 |
| Cash dividends to net income (ytd only)* | 161.2903% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8543% | 6,963 |
| Loan loss allowance to noncurrent loans | 672.7273% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.1620% | 7,147 |
| Noncurrent loans to loans | 0.1270% | 7,199 |
| Net loans and leases to total assets | 39.7556% | 7,564 |
| Net loans and leases to deposits | 46.9572% | 7,599 |
| Net loans and leases to core deposits | 52.0138% | 7,708 |
| Total domestic deposits to total assets | 84.6635% | 3,412 |
| Equity capital to assets | 14.7394% | 1,100 |
| Core capital (leverage) ratio | 13.5090% | 1,268 |
| Tier 1 risk-based capital ratio | 25.3990% | 907 |
| Total risk-based capital ratio | 26.0619% | 942 |
| Memoranda: | ||
| Average total assets | $21,630,670 | 7,885 |
| Average earning assets | $20,029,330 | 7,857 |
| Average equity | $3,209,000 | 7,659 |
| Average total loans | $8,811,670 | 7,913 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3772% | 5,542 |
| Cost of funding earning assets | 0.9195% | 7,790 |
| Net interest margin | 4.4577% | 1,215 |
| Noninterest income to average assets | 0.7207% | 2,761 |
| Noninterest expense to average assets | 3.3079% | 2,636 |
| Loan and lease loss provision to assets | 0.7207% | 1,778 |
| Net operating income to assets | 0.7762% | 3,227 |
| Return on assets (ROA) | 0.7762% | 3,399 |
| Pretax return on assets | 0.8131% | 4,030 |
| Return on Equity (ROE) | 5.2150% | 4,376 |
| Retained earnings to average equity (ytd only) | -13.4099% | 7,350 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3206% | 4,905 |
| Assets per employee ($millions) | 2.6896% | 6,908 |
| Cash dividends to net income (ytd only)* | 357.1429% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8549% | 6,942 |
| Loan loss allowance to noncurrent loans | 740.0000% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 7,082 |
| Noncurrent loans to loans | 0.1155% | 7,196 |
| Net loans and leases to total assets | 39.8847% | 7,575 |
| Net loans and leases to deposits | 47.1901% | 7,616 |
| Net loans and leases to core deposits | 52.2687% | 7,725 |
| Total domestic deposits to total assets | 84.5192% | 3,452 |
| Equity capital to assets | 14.8394% | 1,148 |
| Core capital (leverage) ratio | 13.4133% | 1,354 |
| Tier 1 risk-based capital ratio | 25.9592% | 896 |
| Total risk-based capital ratio | 26.6485% | 914 |
| Memoranda: | ||
| Average total assets | $21,645,000 | 7,934 |
| Average earning assets | $20,010,500 | 7,904 |
| Average equity | $3,221,500 | 7,712 |
| Average total loans | $8,886,500 | 7,959 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9548% | 5,785 |
| Cost of funding earning assets | 1.3238% | 7,822 |
| Net interest margin | 4.6309% | 1,095 |
| Noninterest income to average assets | 0.4869% | 4,727 |
| Noninterest expense to average assets | 3.8003% | 1,753 |
| Loan and lease loss provision to assets | 0.0898% | 6,258 |
| Net operating income to assets | 0.8508% | 3,219 |
| Return on assets (ROA) | 0.8508% | 3,058 |
| Pretax return on assets | 0.8792% | 3,805 |
| Return on Equity (ROE) | 5.7919% | 4,032 |
| Retained earnings to average equity (ytd only) | -3.8613% | 6,291 |
| Net charge-offs to loans | 0.0112% | 6,766 |
| Credit loss provision to net charge-offs | 1,900.0000% | 237 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 233 |
| Efficiency ratio | 79.6829% | 2,642 |
| Assets per employee ($millions) | 2.7216% | 6,735 |
| Cash dividends to net income (ytd only)* | 166.6667% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3839% | 8,003 |
| Loan loss allowance to noncurrent loans | 70.0000% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 6,243 |
| Noncurrent loans to loans | 0.5484% | 5,721 |
| Net loans and leases to total assets | 41.7122% | 7,603 |
| Net loans and leases to deposits | 49.3667% | 7,655 |
| Net loans and leases to core deposits | 52.8515% | 7,830 |
| Total domestic deposits to total assets | 84.4946% | 3,082 |
| Equity capital to assets | 14.9267% | 1,180 |
| Core capital (leverage) ratio | 13.6193% | 1,353 |
| Tier 1 risk-based capital ratio | 26.0074% | 899 |
| Total risk-based capital ratio | 26.3315% | 962 |
| Memoranda: | ||
| Average total assets | $21,156,000 | 7,981 |
| Average earning assets | $19,564,200 | 7,955 |
| Average equity | $3,107,800 | 7,804 |
| Average total loans | $8,897,800 | 7,992 |