Earning Assets to Total AssetsEarni

Earning Assets to Total Assets
Earning assets includes loans, leases, investment securities, and money market assets. It excludes
cash and nonearning deposits plus fixed assets. This ratio shows how well bank management puts
bank assets to work. High-performance banks have a high ratio.
Interest Margin to Average Earning Assets
This is a key determinant of bank profitability, for it provides an indication of management’s ability
to control the spread between interest income and interest expense.
Loan Loss Coverage Ratio
The loan loss coverage ratio, computed by dividing pretax income plus provision for loan losses by net
charge-offs, helps determine the asset quality and the level of protection of loans.
Equity Capital to Total Assets
This ratio, also called funds to total assets, measures the extent of equity ownership in the bank.
Deposits Times Capital
The ratio of deposits times capital concerns both depositors and stockholders. To some extent, it is a
type of debt/equity ratio, indicating a bank’s debt position. More capital implies a greater margin of
safety, while a larger deposit base gives a prospect of higher return to stockholders, since more
money is available for investment purposes.
Loans to Deposits
Average total loans to average deposits is a type of asset to liability ratio. Loans make up a large portion
of the bank’s assets, and its principal obligations are the deposits that can be withdrawn on
request—within time limitations.

Results (Indonesian) 1:

Earning Assets to Total AssetsEarning assets includes loans, leases, investment securities, and money market assets. It excludescash and nonearning deposits plus fixed assets. This ratio shows how well bank management putsbank assets to work. High-performance banks have a high ratio.Interest Margin to Average Earning AssetsThis is a key determinant of bank profitability, for it provides an indication of management’s abilityto control the spread between interest income and interest expense.Loan Loss Coverage RatioThe loan loss coverage ratio, computed by dividing pretax income plus provision for loan losses by netcharge-offs, helps determine the asset quality and the level of protection of loans.Equity Capital to Total AssetsThis ratio, also called funds to total assets, measures the extent of equity ownership in the bank.Deposits Times CapitalThe ratio of deposits times capital concerns both depositors and stockholders. To some extent, it is atype of debt/equity ratio, indicating a bank’s debt position. More capital implies a greater margin ofsafety, while a larger deposit base gives a prospect of higher return to stockholders, since moremoney is available for investment purposes.Loans to DepositsAverage total loans to average deposits is a type of asset to liability ratio. Loans make up a large portionof the bank’s assets, and its principal obligations are the deposits that can be withdrawn onpermintaan — dalam keterbatasan waktu.