Ratios

     

Sample Bank
  Sep 2001 Dec 2000 Dec 1999
       
CAPITAL ADEQUACY      
       
Capital Category 1 1 1
1: Well Capitalized      
2: Adequately Capitalized      
3: Undercapitalized      
4: Significantly Undercapitalized      
5: Critically Undercapitalized      
       
Core Capital/Adjusted Total Assets 13.1 12.62 11.32
Tangible Equity Ratio 13.1 12.62 11.32
Total Capital/Adj Total Assets 13.91 13.4 12.12
Core Capital/Risk Weighted Assets 17.52 17.51 15.59
Risk-Adjusted Capital Ratio 18.77 18.76 16.84
       
Risk-Based Capital (Actual?) No No Yes
Total Capital (Tier 1 + 2) 37072 38027 36749
Core Capital(Tier 1) 34601 35491 34020
Supplementary Capital(Tier 2) 2471 2536 2729
       
Net Risk-Weighted Assets 197546 202695 218280
RWA:0% Cash & Equivalents 25274 26370 27707
RWA:20% Interbank Claims 42775 59549 57247
RWA:50% Residential RE & Bonds 39781 40829 38970
RWA:100% Standard Risk Assets 171900 170586 187376
Gross Off-B/S Credit Equivalent Amt 13914 4468 9356
Risk-Weighted Asst/Tot Recorded Asst 74.32 69.21 72.29
Risk-Weighted Off-B/S Assets/RWA 6.98 2.2 3.35
       
Core Capital & Loan Loss Reserve/TL 19.94 19.58 17.53
Core Cap-Losses on AFS Secs/Adj TA 13.02 12.62 11.18
Equity Capital/AA 12.46 12.37 11.16
Total Equity Capital/Total Capital 92.74 93.6 91.44
Debt/Total Equity Capital 0 0 0
Unrealized Gn(Ls)/Tot Equity Cap -0.64 0.29 -1.24
       
% Change in Core Capital 0.3 4.32 0.06
Internal Growth Rate of Eqty Capital -2.5 4.38 0.06
Dividend Payout 134.15 62.96 99.23
       
ASSET QUALITY      
       
Adjusted Nonperf Assets/TA 0.96 0.87 0.93
Nonperf Assets/TL & Repo RE 1.4 1.31 1.32
Nonperforming Loans/GL 1.36 1.29 1.2
OREO/TA 0.01 0 0.07
       
PastDue 90 Days:Loans & Leases/GL 0.19 0.14 0.06
Nonaccruing:Loans & Leases/GL 1.17 1.15 1.14
Restructured:Loans & Leases/GL 0.33 0 0.04
OREO/TL & OREO 0.01 0 0.1
       
Nonperforming RE Loans/RE Loans 1.68 2.07 1.53
Nonperf Consumer Lns/Consumer Lns 0.43 0.37 0.2
Nonperf Comml & Other/Comml & Other 1.5 0.75 1.75
Nonperf Agric Loans/Agric Loans 0 0.28 0
Nonperf Lns & Repo RE/TL & Repo RE 1.34 1.27 1.3
Domestic "Risk" RE Lns/Domestic Lns 30.13 28.75 22.78
Other Nonperf Lns & Debt Secs/TA 0.02 0.02 0.01
       
Nonperf RE Loans/Nonperf Loans 67.94 77.98 56.27
Nonperf Consumer Lns/Nonperf Loans 6.96 7.86 4.85
Nonperf Comml & Other/Nonperf Loans 25.1 14.17 38.88
Nonperf Agric Loans/Nonperf Loans 0 1.23 0
       
Unreserved Nonperf Loans/GL -0.06 -0.14 -0.12
US Grntd Nonperf Loans/Nonperf Loans 2.95 1.47 0.44
Nonperf Assets/Core Capital 7.54 7.22 8.16
Nonperf Ln&Debt Sec/CoreCap&LnLsRsrv 6.95 6.7 6.97
Loan Loss Reserve/TL 1.38 1.41 1.32
Loan Loss Reserve/Nonperf Loans 101.53 109.21 109.57
Ln Loss Reserve/Nonperf Assets 98.93 107.33 99.39
Nonaccural Lns/Loan Loss Reserve 84.42 81.94 86.84
Nonperf Loans/Loan Loss Reserve 98.49 91.57 91.26
Net Charge-Offs(YTD)/Loan Loss Rsrv 36.81 45.24 37.08
       
Net Charge-Offs(YTD)/Average Loans 0.5 0.61 0.51
Loan Loss Provision/Average Loans 0.54 0.61 0.32
Loan Loss Provision/NCO 82 99.44 63.34
Earnings Coverage of NCO 5.17 4.95 6.1
Tot Recoveries(YTD)/Prior Yr ChgOff 37.88 98.4 21.38
       
EARNINGS      
       
Return on Average Assets 1.26 1.38 0.86
Return on Average Equity 10.02 11.46 7.68
       
Interest Income/AA 7.52 7.49 6.95
Interest Expense/AA 2.81 2.86 2.17
Net Interest Margin/AA 4.7 4.63 4.78
Tot Noninterest Income/AA 0.93 0.76 0.7
Total Overhead Expense/AA 3.2 3.19 3.34
Net Noninterest Margin/AA -2.28 -2.44 -2.64
Net Overhead Expense/AA 2.28 2.44 2.64
Provision for Loan Losses/AA 0.38 0.43 0.22
Operating Profit/AA 2 1.71 1.86
Occupancy Expense/AA 0.36 0.36 0.33
Tax-exempt Income Adjustment/AA 0.05 0.05 0.07
       
Yield on Avg Earning Assets(Tax Adj) 8.03 8.13 7.58
Yield on Avg Earning Assets 7.97 8.07 7.5
Rate on Funds/AEA 3 3.1 2.36
Net Interest Spread/AEA 5.02 5.03 5.22
Noninterest Income/AEA 0.99 0.82 0.76
Total Overhead Expense/AEA 3.42 3.47 3.64
Net Overhead Expense/AEA 2.43 2.65 2.88
       
Yield on Loans (Tax Adj) 8.75 8.81 8.16
Yield on Loans 8.73 8.78 8.13
Yield on Leases 8.09 8.41 N/A
Yield on Securities (Tax Adj) 6.35 6.25 5.98
Yield on Securities 6.15 6.06 5.76
Yield on Bal Due from Dep Inst N/A N/A N/A
Yield on US Treas Agy&Oth Debt Secs 6.27 8.06 N/A
Yield on Debt Securities 6.12 7.67 N/A
Yield on Municipal Securities 4.58 4.43 N/A
Yield on Equity Securities 8.61 11.05 N/A
Yield on Trading Accounts N/A N/A N/A
Yield on Fed Fnds Sld&Secs Purchased 5.39 5.89 N/A
       
Cost of Funds 3.95 3.99 3.04
Cost of Funds - Fed Funds Rate -1.35 -1.85 -1.16
Cost of Deposits 3.93 3.86 2.92
Cost of Borrowings 4.47 6.14 5.6
Yield/Cost Spread 4.07 4.14 4.54
RatePaid:Fed Fnds Purch&Secs Sold 3.91 5.22 N/A
       
Interest Income (Tax Adjusted) 15546 21549 20933
Interest Expense 5820 8222 6524
Net Interest Income (Tax Adjusted) 9726 13327 14409
Noninterest Income 1915 2181 2096
Overhead Expense 6624 9192 10050
Net Overhead Expense 4709 7011 7954
Occupancy Expense 752 1043 990
       
$ Change in Yield -657 615 -1063
$ Change in Rate -320 1698 135
$ Change in Spread -337 -1082 -1199
       
% Change:Interest Income (Tax Adj) -4.06 2.94 -4.84
% Change:Interest Expense -5.21 26.03 2.11
% Change:Net Interest Inc (Tax Adj) -3.35 -7.51 -7.68
% Change:Noninterest Income 18.72 4.06 -6.09
% Change:Net Income 17.21 53.03 -46.09
% Change:Overhead Expense -4.54 -8.54 11.2
% Change:Net Overhead Expense -11.58 -11.86 16.87
% Change:Occupancy Expense -5.05 5.35 -5.8
       
Change in Spread:Volume $(000) -228 -584 -45
Change in Spread:Rate $(000) -112 -519 -1157
Change in Spread:Rate/Volume $(000) 3 21 3
       
Total Overhead Exp/TOI - Int Exp 56.9 59.27 60.89
Salaries & Benefits/TOI - Int Exp 20.18 23.82 26.85
Occupancy Expense/TOI - Int Exp 6.46 6.73 6
Other Expenses/TOI - Int Exp 30.26 28.73 28.04
Loan Loss Provision/TOI - Int Exp 6.69 7.98 3.93
Noninterest Income/TOI - Int Exp 16.45 14.06 12.7
Inc bef Taxes & Extra/TOI - Int Exp 35.48 40.43 23.42
Net Overhead Expense/NII 48.96 53.24 56.04
       
Salaries & Benefits/Overhead Exp 35.46 40.19 44.1
Occupancy Expense/Overhead Exp 11.35 11.35 9.85
Other Expenses/Overhead Exp 53.19 48.47 46.05
Noninterest Income/Overhead Exp 28.91 23.73 20.86
       
Operating Income/Salaries & Benefits 2.09 1.67 1.41
Service Chrgs on Deps/Sal & Benefits 58.54 46.48 35.83
Salaries & Benefits/Avg Employees 23212 25724 27190
Operating Profit per Employee $(000) 40811 34262 34301
Total Deposits per Employee $(000) 1598 1801 1641
Domestic IPC Deps Per Employee$(000) 1507 1646 1514
       
Gain (Loss) on Sec/Inc bef Tax&Extra 0 21.52 -44.62
Effective Tax Rate 36.83 36.66 32.88
       
LIQUIDITY      
       
Liquid Assets/Total Liabilities 21.13 29.09 28.49
Liquid Assets-Large Liabilities/TA 13.7 17.92 18.23
Liquid Assets/Purchased Funds 419.79 335.79 361.23
Liquid Assets/Short Term Liabilities 92.95 120.13 63.44
Liquid Assets/Total Assets 18.36 25.52 25.29
Liquidity Ratio 20.08 22.33 21.26
Short Term Money Market Assets/TA 14.39 19.2 19.16
Large Liability Dependence Ratio -17.49 -25.01 -25.7
Total Loans/Total Deposits 85.19 80.96 83.54
Total Loans/TD - Public Funds 89.3 88.21 90.01
       
Purchased Funds/TA 4.37 7.6 7
$100,000+ Time Deposits/TA 3.05 4.8 4.24
Net Federal Funds Purchased/TA -4.74 -6.04 2.4
Brokered Deposits/TA 0 0 0
Core Deposits & Equity/TA 93.3 90.58 91.13
       
Avg Int-Bear Asset/Avg Int-Bear Liab 131.49 128.58 128.53
Total Earning Assets/TA 92.9 91.03 90.5
Total Nonearning Assets/TA 7.1 8.97 9.5
       
TotDueUSBanks+NetFedFunds Purch/TL N/A N/A 3.71
Net Federal Funds Purchased/Dom TL -6.68 -8.97 3.41
Pledged Securities/Total Securities 56.89 71.91 40.57
Temporary Investments 37832 55743 57193
       
Tot Secs:Fair Val to Amrtzd Cost 99.17 100.41 98.33
Tot Secs:FairVal-AmrtCst HTM/TA 0 0.01 -0.12
       
ASSET MIX      
       
Real Estate Loans/GDL 55.06 48.51 44.1
Construction Loans/GDL 3.32 2.74 2.4
Farmland Loans/GDL 2.07 1.95 2.06
Home Mortgage Loans/GDL 16.66 16.37 19.77
Home Equity Loans/GDL 8.28 3.38 1.55
5+ Family Residential Loans/GDL 7.46 6.72 2.02
Commercial RE Loans/GDL 17.28 17.34 16.3
       
Commercial & Industrial Loans/GDL 14.47 16.49 18.87
Consumer Loans/GDL 22.15 27.2 29.26
Credit Card Loans/GL 0.4 0.35 0.33
Agricultural Production Loans/GDL 5.29 5.61 4.94
Agric Prod & Agric RE Loans/GDL 7.36 7.56 7.01
Municipal Loans/GDL 1.02 0.63 0.76
Depository Institution Loans/GDL 0 0 0
Other Loans/GDL 1.43 1.23 1.69
Lease Financing Receivables/GDL 0.57 0.33 0.37
       
Loan Commitments/TL 18.91 16.6 16.63
Letters of Credit/TL 1.92 0.37 0.37
% Change in Nonretail Lns -4.36 0.01 -0.42
       
Commercial & Industrial Loans(C)/EA 10.93 12.07 14.52
Home Mortgage Loans/EA 18.84 14.46 16.41
Commercial RE Loans/EA 13.06 12.7 12.54
Agricultural Lns (incl Farmland)/EA 5.56 5.54 5.39
Consumer Loans(C)/EA 16.74 19.91 22.52
       
Commercial & Industrial Loans/TA 10.26 11.1 13.28
Real Estate Loans/TA 37.59 31.34 29.57
Commercial RE Loans/TA 21.37 19.36 16.02
Home Mortgage Loans/TA 11.82 11.02 13.91
Agric Prod & Agric RE Loans/TA 5.22 5.09 4.93
Consumer Loans/TA 15.72 18.32 20.58
Earning Assets/TA 92.9 91.03 90.5
Borrowing & Foreign Deposits/TA 0.04 0.01 0
% Change in Earning Assets -5.79 -2.16 -2.3
% Change in Total Assets -6.14 -2.75 -1.76
       
LIABILITY MIX      
       
Total Int-Bearing Liabilities/TA 70.24 69.96 70.59
Int-Bearing Deposits/TA 68.62 67.17 67.78
NOW & Other Transaction Accounts/TA 3.53 2.51 20.71
Money Market Deposit Accounts/TA 32.91 31.83 13.16
Other Savings Deposits/TA 6.67 6.69 7.18
Time Deposits/TA 25.53 26.15 26.73
       
Total Nonint-Bearing Liabilities/TA 16.68 17.77 18.15
Demand Deposits/TA 14.65 15.95 16.34
       
Noninterest-Bearing Deposits/TDD 17.59 19.19 19.42
Transaction Accounts/TDD 21.83 22.21 44.05
NOW & Other Transaction Accounts/TDD 4.24 3.02 24.62
Money Market Deposit Accounts/TDD 39.52 38.29 15.65
Other Savings Deposits/TDD 8 8.04 8.53
Time Deposits/TDD 30.65 31.46 31.77
       
Demand IPC Deposits/TDD 16.31 17.92 17
Other Noninterest-Bearing Deps/TDD 1.28 1.27 2.42
$100,000+ Time Deposits/TDD 3.66 5.78 5.04
Other Interest-Bearing Deps/TDD 78.75 75.03 75.53
Public Funds/TDD 4.61 8.22 7.19
Core Deposits/TDD 96.34 94.22 94.96
Core Deposits $(000) 210888 227338 238424
% Change in Core Deposits -3.71 -4.65 -2.45
       
IPC Deposits/TD 94.34 91.41 92.23
Public Funds/TD 4.61 8.22 7.19
$100,000+ Time Deposits/TD 3.66 5.78 5.04
Brokered Deposits/TD 0 0 0
       
Nonint-Bear Dep from US Bks/TDD 2.55 1.12 0.08
Int-Bearing Dep from US Bks/TDD 0 0 0
Net Federal Funds Sold/TDD 5.69 7.26 N/A
Nonint-Bear Bal Due to USBk/TDD 0.08 0.06 0.25
Int-Bearing Bal Due to USBk/TDD 0 0 0
Net Federal Funds Purchased/TDD N/A N/A 2.85
TotDueUSBanks+NetFedFunds Purch/TDD N/A N/A 3.1
       
REPRICING ANALYSIS      
       
Gap/TA:3 Month -11.38 -13.03 -13.56
Rate Sensitive Assets/Liab:3 Month 74.82 72.47 71.79
Gap/TA:1 Year -10.33 -5.12 0.57
Rate Sensitive Assets/Liab:1 Year 82.14 91.1 101.01
       
Reprice:1 Yr Ln & Lse/Tot Ln & Lse 47.26 49.83 54
Reprice:1-5 Yr Ln & Lse/Tot Ln & Lse 48.21 47.13 43.62
Reprice:Over 5Yr Ln & Lse/Tot Ln&Lse 4.52 3.04 2.39
       
Reprice:1 Yr Debt Sec/Tot Debt Sec 49.13 66.18 92.21
Reprice:1-5 Yr Debt Sec/Tot Debt Sec 26.6 25.73 3.55
Reprice:Over 5Yr Debt Sec/TotDebtSec 24.27 8.09 4.24
       
Repriceable:3 Month Deposits/TDD 51.18 51.05 51.39
Repriceable:1 Yr $100,000+ CDs/TDD 2.96 5.15 3.48
Repriceable:> 1 Yr $100,000+ CDs/TDD 0.69 0.63 1.5
       
Repriceable:1 Yr Loans & Leases/TA 33.13 33.16 37.55
Repriceable:1 Yr Debt Securities/TA 8.07 10.38 18.75
Repriceable:1 Yr $100,000+ CDs/TA 2.47 4.28 2.93
       
5 YEAR AVERAGES      
       
5 Yr Avg:Return On Assets(LYE) 1.43 N/A N/A
5 Yr Avg:Return on Equity (LYE) 13.71 N/A N/A
5 Yr Avg:Net Interest Inc/AEA(LYE) 5.38 N/A N/A
5 Yr Avg:Net Overhead Exp/AEA(LYE) 2.62 N/A N/A
       
5 Yr Avg:Equity & Reserve/TA(LYE) 11.84 N/A N/A
5 Yr Avg:Total Loans/Total Deps(LYE) 75.4 N/A N/A
5 Yr Avg:Total Loans/TD-PF(LYE) 80.94 N/A N/A
5 Yr Avg:Net Charge Offs/ATL(LYE) 0.57 N/A N/A
       
5 Yr CAGR:Total Assets(LYE) 4.95 N/A N/A
5 Yr CAGR:Total Loans(LYE) 8.52 N/A N/A
5 Yr CAGR:Total Deposits(LYE) 3.31 N/A N/A
5 Yr CAGR:IPC Deposits(LYE) 3.13 N/A N/A
5 Yr CAGR:Core Capital(LYE) 14.27 N/A N/A
5 Yr CAGR:Total Equity(LYE) 14.34 N/A N/A
       
5 Yr CAGR:Inc Bef Extra Items(LYE) 7.39 N/A N/A
5 Yr CAGR:Net Interest Income(LYE) 8 N/A N/A
5 Yr CAGR:Service Charges(LYE) 10.44 N/A N/A
5 Yr CAGR:Noninterest Income(LYE) 4.35 N/A N/A
5 Yr CAGR:Overhead Expense(LYE) 7.98 N/A N/A
       
SHESHUNOFF RATINGS      
       
Bank's Rating Within Nation 72 69 71
Bank's Rating Within Region 74 70 71
Bank's Rating Within Peer Group 73 70 73
       
Peer Group Category 10 10 10