Home > The Peoples Bank of Elkton > Performance and Condition Ratios
The Peoples Bank of Elkton, 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 | 5.1053% | 6,414 |
| Cost of funding earning assets | 1.6998% | 5,276 |
| Net interest margin | 3.4055% | 5,141 |
| Noninterest income to average assets | 1.1383% | 1,213 |
| Noninterest expense to average assets | 2.2863% | 6,791 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3526% | 1,122 |
| Return on assets (ROA) | 1.4787% | 936 |
| Pretax return on assets | 2.2960% | 300 |
| Return on Equity (ROE) | 23.5041% | 176 |
| Retained earnings to average equity (ytd only) | 16.9326% | 133 |
| Net charge-offs to loans | 0.0900% | 5,289 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 42.3056% | 781 |
| Efficiency ratio | 52.1370% | 7,505 |
| Assets per employee ($millions) | 7.0626% | 753 |
| Cash dividends to net income (ytd only)* | 27.9590% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6617% | 2,483 |
| Loan loss allowance to noncurrent loans | 202.8919% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 6,346 |
| Noncurrent loans to loans | 0.8190% | 5,586 |
| Net loans and leases to total assets | 53.1878% | 6,550 |
| Net loans and leases to deposits | 60.2912% | 6,864 |
| Net loans and leases to core deposits | 89.2991% | 5,596 |
| Total domestic deposits to total assets | 88.2182% | 1,661 |
| Equity capital to assets | 6.4451% | 7,830 |
| Core capital (leverage) ratio | 5.7941% | 7,956 |
| Tier 1 risk-based capital ratio | 10.3737% | 6,505 |
| Total risk-based capital ratio | 11.6295% | 6,436 |
| Memoranda: | ||
| Average total assets | $145,124,000 | 4,081 |
| Average earning assets | $138,365,330 | 3,986 |
| Average equity | $9,130,330 | 5,640 |
| Average total loans | $80,028,000 | 4,583 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0767% | 6,720 |
| Cost of funding earning assets | 1.6980% | 5,608 |
| Net interest margin | 3.3786% | 5,219 |
| Noninterest income to average assets | 1.1454% | 1,125 |
| Noninterest expense to average assets | 2.1598% | 6,979 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4361% | 1,068 |
| Return on assets (ROA) | 1.6136% | 840 |
| Pretax return on assets | 2.4971% | 264 |
| Return on Equity (ROE) | 25.9758% | 165 |
| Retained earnings to average equity (ytd only) | 12.5168% | 706 |
| Net charge-offs to loans | 0.0500% | 4,774 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 79.8000% | 525 |
| Efficiency ratio | 49.2689% | 7,647 |
| Assets per employee ($millions) | 6.6890% | 884 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7016% | 2,144 |
| Loan loss allowance to noncurrent loans | 241.7407% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 6,357 |
| Noncurrent loans to loans | 0.7039% | 5,655 |
| Net loans and leases to total assets | 53.4276% | 6,533 |
| Net loans and leases to deposits | 60.3048% | 6,869 |
| Net loans and leases to core deposits | 87.9659% | 5,742 |
| Total domestic deposits to total assets | 88.5959% | 1,429 |
| Equity capital to assets | 6.2463% | 7,944 |
| Core capital (leverage) ratio | 5.6908% | 8,055 |
| Tier 1 risk-based capital ratio | 10.0300% | 6,883 |
| Total risk-based capital ratio | 11.2865% | 6,793 |
| Memoranda: | ||
| Average total assets | $143,529,000 | 4,117 |
| Average earning assets | $137,571,000 | 4,002 |
| Average equity | $8,916,000 | 5,731 |
| Average total loans | $79,933,000 | 4,621 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9024% | 6,023 |
| Cost of funding earning assets | 2.0150% | 6,363 |
| Net interest margin | 3.8874% | 3,630 |
| Noninterest income to average assets | 1.3235% | 831 |
| Noninterest expense to average assets | 2.5018% | 5,996 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.7425% | 621 |
| Return on assets (ROA) | 1.7914% | 538 |
| Pretax return on assets | 2.5733% | 169 |
| Return on Equity (ROE) | 28.8073% | 77 |
| Retained earnings to average equity (ytd only) | 7.7888% | 903 |
| Net charge-offs to loans | 0.0838% | 5,561 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 49.8281% | 762 |
| Efficiency ratio | 49.9843% | 7,665 |
| Assets per employee ($millions) | 6.3591% | 952 |
| Cash dividends to net income (ytd only)* | 72.9623% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7138% | 1,870 |
| Loan loss allowance to noncurrent loans | 195.8512% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 5,703 |
| Noncurrent loans to loans | 0.8750% | 4,865 |
| Net loans and leases to total assets | 56.1208% | 6,423 |
| Net loans and leases to deposits | 63.8135% | 6,817 |
| Net loans and leases to core deposits | 83.8232% | 6,302 |
| Total domestic deposits to total assets | 87.9450% | 1,492 |
| Equity capital to assets | 6.1758% | 8,027 |
| Core capital (leverage) ratio | 5.9649% | 8,088 |
| Tier 1 risk-based capital ratio | 9.7685% | 6,990 |
| Total risk-based capital ratio | 11.0253% | 6,874 |
| Memoranda: | ||
| Average total assets | $127,386,400 | 4,338 |
| Average earning assets | $120,646,000 | 4,242 |
| Average equity | $7,921,600 | 6,117 |
| Average total loans | $76,330,000 | 4,640 |