| Financial Ratios - Trends and Comparisons with Peers |
| Bank Name: |
| Amounts In: | | | | | | | Comparison |
| Period: | | | | | | | of Bank |
| Statement Type: | | | | YTD 6/30/2020 | | Peer | Ratios to the |
| Date: | 2017 | 2018 | 2019 | 2020 | Trend | Norm | Peer Norms |
| Financial Summary |
| Total Gross Loans & Leases (1) |
| Less Loan & Lease Loss Allowance (2) |
| Net Loans & Leases (3:1-2) | - 0 | - 0 | - 0 | - 0 |
| Total Investments (4) |
| Total Earning Assets (5:3+4) | - 0 | - 0 | - 0 | - 0 |
| Noninterest Cash & Due from Banks (6) |
| Other Assets (7) |
| Total Assets (8:5+6+7) | - 0 | - 0 | - 0 | - 0 |
|
|
| Core Deposits (9) |
| Other Deposits (10) |
| Total Deposits (11:9+10) | - 0 | - 0 | - 0 | - 0 |
| Other Borrowings (12) |
| Total Liabilities (13:11+12) | - 0 | - 0 | - 0 | - 0 |
| Total Equity Capital (14) |
| Total Liabilities & Capital | - 0 | - 0 | - 0 | - 0 |
|
|
| Income on Loans & Leases (15) |
| Investment Interest Income (16) |
| Interest Income from Other Sources (17) |
| Total Interest Income (18:15+16+17) | - 0 | - 0 | - 0 | - 0 |
| Total Interest Expense on Deposits (19) |
| Total Other Interest Expense (20) |
| Total Interest Expense (21:19+20) | - 0 | - 0 | - 0 | - 0 |
| Net Interest Income (22:18-21) | - 0 | - 0 | - 0 | - 0 |
| Total Noninterest Income (23) |
| Total Noninterest Expense (24) |
| Provision for Loan & Lease Losses (25) |
| Realized Gain(Loss) on Secs (26) |
| Pretax Net Operating Income (27:22+23-24-25+26) | - 0 | - 0 | - 0 | - 0 |
| Applicable Income Taxes (28) |
| Net Operating Income (29:27-28) | - 0 | - 0 | - 0 | - 0 |
| Net Extraordinary Items (30) | - 0 | - 0 | - 0 | - 0 |
| Net Income (31:29+30) | - 0 | - 0 | - 0 | - 0 |
| Total Revenue/Total Operating Income (32:18+23+26) | - 0 | - 0 | - 0 | - 0 |
| Total Operating Expense (33:21+24+25) | - 0 | - 0 | - 0 | - 0 |
| Supplemental Data |
| Average total assets |
| Average total equity |
| Domestic Banking Offices |
| Foreign Branches |
| Personnel Expenses |
| Risk-based Capital |
| Net Tier 1 Capital |
| Net eligible Tier 2 |
| Tier 3 |
| Deductions |
| Total risk-based-capital |
| Total risk-weighted assets |
| Loan Loss Account |
| Credit Allowance Beginning Balance |
| Gross Credit Losses |
| Loans HFS writedowns |
| Recoveries |
| Net Credit Losses | - 0 | - 0 | - 0 | - 0 |
| Provisions for Credit Losses |
| Other adjustments |
| Credit Allowance Ending Balance | - 0 | - 0 | - 0 | - 0 |
| Average total loans & leases |
| Noncurrent Loans & Leases |
| 90 days and over past due |
| Total nonaccrual ln&ls |
| Total non-current ln&ls | - 0 | - 0 | - 0 | - 0 |
| Ln&Ls 30-89 days past due |
| Misc restructured ln&ls |
| All other real estate owned |
|
|
|
|
| Capital Adequacy |
| Tier 1 Leverage Capital Ratio | 0.00% | 0.00% | 0.00% | 0.00% |
| Tier 1 Risk-Based Capital Ratio | 0.00% | 0.00% | 0.00% | 0.00% |
| Total Risk-Based Capital Ratio | 0.00% | 0.00% | 0.00% | 0.00% |
| Total Equity/Total Assets | 0.00% | 0.00% | 0.00% | 0.00% |
| Growth in equity | | 0.00% | 0.00% | 0.00% |
|
|
| Asset Quality |
| Asset Growth Rate | | 0.0% | 0.0% | 0.0% |
| Non-current Loans and Leases to Gross Loans and Leases | 0.00% | 0.00% | 0.00% | 0.00% |
| Net Credit Losses to Average Total Loans and Leases | 0.00% | 0.00% | 0.00% | 0.00% |
| Loan and Lease Allowance to Total Loans | 0.00% | 0.00% | 0.00% | 0.00% |
|
|
|
|
| Management |
| Assets per employee (in millions) |
| Loans per employee (=Loans to assets x Assets per employee) | $0.00 | $0.00 | $0.00 | $0.00 |
| Net income per employee (in thous - ROA x Assets per employee) | $0.00 | $0.00 | $0.00 | $0.00 |
|
|
| Earnings Record |
| Net Income/Average Total Assets (ROA) | 0.00% | 0.00% | 0.00% | 0 | | | | * |
| Interest Income/Average Total Assets | 0.00% | 0.00% | 0.00% | 0 | | | | * |
| Interest Expense/Average Total Assets | 0.00% | 0.00% | 0.00% | 0 | | | | * |
| Net Interest Margin(Net Int Inc/Av Earning Assets) | 0.00% | 0.00% | 0.00% | 0.00% | | | | * |
| Non-Interest Income/Average Total Assets | 0.00% | 0.00% | 0.00% | 0 | | | | * |
| Non-interest Expenses/Average Total Assets | 0.00% | 0.00% | 0.00% | 0 | | | | * |
| Provision for Loan Losses/Average Total Assets | 0.00% | 0.00% | 0.00% | 0 | | | | * |
| Personnel Expenses/Average Total Assets | 0.00% | 0.00% | 0.00% | 0 | | | | * |
| Yield on Total Loans & Leases | 0.00% | 0.00% | 0.00% | 0 | | | | * |
| Average Earning Assets/Average Total Assets | 0.00% | 0.00% | 0.00% | 0.00% |
| Return on Equity (ROE) | 0.00% | 0.00% | 0.00% | 0.00% | | | | * |
| Net Profit Margin (NPM) | 0.00% | 0.00% | 0.00% | 0.00% |
| Degree of Asset Utilization (AU) | 0.00% | 0.00% | 0.00% | 0 | | | | * |
| Equity Multiplier (EM) | - 0 | - 0 | - 0 | - 0 |
| Efficiency ratio | 0.00% | 0.00% | 0.00% | 0.00% |
|
|
| Liquidity |
| Net Non-Core Funding Dependence Ratio |
| Average Net Loans to Average Total Assets | 0.00% | 0.00% | 0.00% | 0.00% |
| Average Core Deposit/Average Total Assets | 0.00% | 0.00% | 0.00% | 0.00% |
| Net Loans to Total Deposits | 0.00% | 0.00% | 0.00% | 0.00% |
|
|
| Sensitivity to Market Risk |
| Net Position Gap 1 year |
| Net Position Gap 3 year |
|
|
|
|
| Average Data |
| Average Equity Capital | | 0 | 0 | 0 |
| Average Earning Assets | | 0 | 0 | 0 |
| Average Total Assets | | 0 | 0 | 0 |
| Average Core Deposits | | 0 | 0 | 0 |
| Average Net Loans & leases | | 0 | 0 | 0 |
| Average Gross Loans & Leases | | 0 | 0 | 0 |
| Average Total Deposits | | 0 | 0 | 0 |
| Average Tier 1 Capital | | 0 | 0 | 0 |
| Average Total risk-based-capital | | 0 | 0 | 0 |
| Average total risk-weighted assets | | 0 | 0 | 0 |
|
|
|
|
| | - 0 | - 0 | - 0 | - 0 |
| *Formula has been adjusted for the interim period |
Ratche93
BankFinancialAnalysis-1.xls
