Home > Athol-Clinton Co-operative Bank > Performance and Condition Ratios
Athol-Clinton Co-operative Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0693% | 2,780 |
| Cost of funding earning assets | 1.2910% | 2,237 |
| Net interest margin | 3.7782% | 3,716 |
| Noninterest income to average assets | -0.2547% | 7,445 |
| Noninterest expense to average assets | 5.6507% | 235 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -2.4602% | 7,334 |
| Return on assets (ROA) | -2.4602% | 7,332 |
| Pretax return on assets | -2.4602% | 7,316 |
| Return on Equity (ROE) | -25.8782% | 7,288 |
| Retained earnings to average equity (ytd only) | -25.8782% | 7,253 |
| Net charge-offs to loans | 2.5371% | 443 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -1.1011% | 4,905 |
| Efficiency ratio | 177.1084% | 87 |
| Assets per employee ($millions) | 4.5072% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1156% | 2,149 |
| Loan loss allowance to noncurrent loans | 20.1081% | 6,774 |
| Noncurrent assets plus other real estate owned to assets | 11.3843% | 308 |
| Noncurrent loans to loans | 10.5209% | 365 |
| Net loans and leases to total assets | 86.9726% | 101 |
| Net loans and leases to deposits | 106.1979% | 244 |
| Net loans and leases to core deposits | 127.7890% | 297 |
| Total domestic deposits to total assets | 81.8967% | 5,351 |
| Equity capital to assets | 9.4602% | 4,490 |
| Core capital (leverage) ratio | 8.4898% | 5,478 |
| Tier 1 risk-based capital ratio | 10.4552% | 6,831 |
| Total risk-based capital ratio | 11.7327% | 6,802 |
| Memoranda: | ||
| Average total assets | $83,246,500 | 5,487 |
| Average earning assets | $75,908,500 | 5,477 |
| Average equity | $7,914,000 | 5,638 |
| Average total loans | $73,311,500 | 4,498 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3114% | 3,075 |
| Cost of funding earning assets | 1.6859% | 1,660 |
| Net interest margin | 3.6255% | 4,700 |
| Noninterest income to average assets | -0.1532% | 7,439 |
| Noninterest expense to average assets | 3.8917% | 1,328 |
| Loan and lease loss provision to assets | 1.3246% | 1,153 |
| Net operating income to assets | -1.6000% | 6,940 |
| Return on assets (ROA) | -1.4312% | 6,907 |
| Pretax return on assets | -1.7943% | 6,959 |
| Return on Equity (ROE) | -14.5581% | 6,906 |
| Retained earnings to average equity (ytd only) | -14.5581% | 6,868 |
| Net charge-offs to loans | 2.4087% | 786 |
| Credit loss provision to net charge-offs | 61.5901% | 6,059 |
| Earnings coverage of net charge-offs (x) | -0.3165% | 6,366 |
| Efficiency ratio | 121.1964% | 398 |
| Assets per employee ($millions) | 4.4928% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6698% | 1,204 |
| Loan loss allowance to noncurrent loans | 21.6351% | 6,745 |
| Noncurrent assets plus other real estate owned to assets | 12.6212% | 248 |
| Noncurrent loans to loans | 12.3400% | 268 |
| Net loans and leases to total assets | 84.9866% | 240 |
| Net loans and leases to deposits | 106.3535% | 308 |
| Net loans and leases to core deposits | 128.0432% | 357 |
| Total domestic deposits to total assets | 79.9096% | 5,861 |
| Equity capital to assets | 9.5509% | 4,340 |
| Core capital (leverage) ratio | 8.0656% | 6,083 |
| Tier 1 risk-based capital ratio | 10.5159% | 6,692 |
| Total risk-based capital ratio | 11.7661% | 6,672 |
| Memoranda: | ||
| Average total assets | $90,063,400 | 5,285 |
| Average earning assets | $83,575,600 | 5,226 |
| Average equity | $8,854,200 | 5,464 |
| Average total loans | $80,416,400 | 4,333 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3508% | 3,117 |
| Cost of funding earning assets | 1.7517% | 1,618 |
| Net interest margin | 3.5991% | 4,881 |
| Noninterest income to average assets | -0.2280% | 7,607 |
| Noninterest expense to average assets | 4.0012% | 1,040 |
| Loan and lease loss provision to assets | 1.7434% | 715 |
| Net operating income to assets | -2.0883% | 7,258 |
| Return on assets (ROA) | -1.8661% | 7,214 |
| Pretax return on assets | -2.3440% | 7,283 |
| Return on Equity (ROE) | -18.8562% | 7,201 |
| Retained earnings to average equity (ytd only) | -18.8562% | 7,181 |
| Net charge-offs to loans | 2.7501% | 591 |
| Credit loss provision to net charge-offs | 70.6335% | 5,401 |
| Earnings coverage of net charge-offs (x) | -0.3558% | 6,271 |
| Efficiency ratio | 128.1235% | 309 |
| Assets per employee ($millions) | 4.4591% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8302% | 981 |
| Loan loss allowance to noncurrent loans | 23.7479% | 6,720 |
| Noncurrent assets plus other real estate owned to assets | 11.5058% | 301 |
| Noncurrent loans to loans | 11.9175% | 297 |
| Net loans and leases to total assets | 86.1607% | 188 |
| Net loans and leases to deposits | 108.8911% | 280 |
| Net loans and leases to core deposits | 130.5565% | 368 |
| Total domestic deposits to total assets | 79.1256% | 5,992 |
| Equity capital to assets | 9.1668% | 5,356 |
| Core capital (leverage) ratio | 8.0829% | 6,221 |
| Tier 1 risk-based capital ratio | 8.8201% | 7,391 |
| Total risk-based capital ratio | 10.1000% | 7,403 |
| Memoranda: | ||
| Average total assets | $91,238,250 | 5,319 |
| Average earning assets | $84,944,250 | 5,241 |
| Average equity | $9,029,500 | 5,492 |
| Average total loans | $81,886,000 | 4,353 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4537% | 2,733 |
| Cost of funding earning assets | 1.8055% | 1,622 |
| Net interest margin | 3.6483% | 4,586 |
| Noninterest income to average assets | 0.1980% | 6,486 |
| Noninterest expense to average assets | 3.8140% | 1,338 |
| Loan and lease loss provision to assets | 1.0683% | 1,352 |
| Net operating income to assets | -0.5657% | 6,717 |
| Return on assets (ROA) | -0.5657% | 6,747 |
| Pretax return on assets | -1.2771% | 6,998 |
| Return on Equity (ROE) | -5.5828% | 6,748 |
| Retained earnings to average equity (ytd only) | -5.5828% | 6,620 |
| Net charge-offs to loans | 3.1972% | 482 |
| Credit loss provision to net charge-offs | 37.0846% | 5,649 |
| Earnings coverage of net charge-offs (x) | -0.0725% | 5,781 |
| Efficiency ratio | 105.7936% | 632 |
| Assets per employee ($millions) | 4.5164% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3383% | 1,526 |
| Loan loss allowance to noncurrent loans | 19.9853% | 6,941 |
| Noncurrent assets plus other real estate owned to assets | 11.2724% | 306 |
| Noncurrent loans to loans | 11.7000% | 309 |
| Net loans and leases to total assets | 87.9471% | 133 |
| Net loans and leases to deposits | 112.8730% | 218 |
| Net loans and leases to core deposits | 128.6103% | 446 |
| Total domestic deposits to total assets | 77.9169% | 6,290 |
| Equity capital to assets | 10.2505% | 3,706 |
| Core capital (leverage) ratio | 10.1411% | 3,007 |
| Tier 1 risk-based capital ratio | 11.1303% | 6,117 |
| Total risk-based capital ratio | 12.4888% | 5,989 |
| Memoranda: | ||
| Average total assets | $91,924,000 | 5,322 |
| Average earning assets | $85,849,330 | 5,242 |
| Average equity | $9,314,330 | 5,409 |
| Average total loans | $82,822,330 | 4,359 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1731% | 4,178 |
| Cost of funding earning assets | 1.8945% | 1,471 |
| Net interest margin | 3.2786% | 6,053 |
| Noninterest income to average assets | 0.2588% | 6,079 |
| Noninterest expense to average assets | 3.4382% | 2,132 |
| Loan and lease loss provision to assets | 1.1432% | 1,073 |
| Net operating income to assets | -1.6091% | 7,363 |
| Return on assets (ROA) | -1.6091% | 7,366 |
| Pretax return on assets | -1.2467% | 7,168 |
| Return on Equity (ROE) | -15.9709% | 7,340 |
| Retained earnings to average equity (ytd only) | -15.9709% | 7,245 |
| Net charge-offs to loans | 4.3656% | 298 |
| Credit loss provision to net charge-offs | 29.0570% | 4,830 |
| Earnings coverage of net charge-offs (x) | -0.0263% | 5,048 |
| Efficiency ratio | 103.1048% | 747 |
| Assets per employee ($millions) | 4.5419% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5308% | 1,253 |
| Loan loss allowance to noncurrent loans | 22.1950% | 6,897 |
| Noncurrent assets plus other real estate owned to assets | 10.8953% | 339 |
| Noncurrent loans to loans | 11.4024% | 329 |
| Net loans and leases to total assets | 88.4860% | 110 |
| Net loans and leases to deposits | 113.2531% | 221 |
| Net loans and leases to core deposits | 118.0779% | 863 |
| Total domestic deposits to total assets | 78.1312% | 6,284 |
| Equity capital to assets | 10.0939% | 3,754 |
| Core capital (leverage) ratio | 9.8827% | 3,302 |
| Tier 1 risk-based capital ratio | 16.1926% | 2,569 |
| Total risk-based capital ratio | 17.6505% | 2,443 |
| Memoranda: | ||
| Average total assets | $92,722,500 | 5,360 |
| Average earning assets | $86,988,000 | 5,274 |
| Average equity | $9,342,000 | 5,443 |
| Average total loans | $83,562,500 | 4,400 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0904% | 6,124 |
| Cost of funding earning assets | 2.5963% | 790 |
| Net interest margin | 2.4942% | 7,434 |
| Noninterest income to average assets | 0.3206% | 5,793 |
| Noninterest expense to average assets | 2.6259% | 5,690 |
| Loan and lease loss provision to assets | 1.9066% | 1,165 |
| Net operating income to assets | -1.3139% | 6,771 |
| Return on assets (ROA) | -1.4396% | 6,832 |
| Pretax return on assets | -2.0204% | 6,951 |
| Return on Equity (ROE) | -14.8342% | 6,926 |
| Retained earnings to average equity (ytd only) | -14.8342% | 6,877 |
| Net charge-offs to loans | 0.1774% | 5,531 |
| Credit loss provision to net charge-offs | 1,243.2258% | 248 |
| Earnings coverage of net charge-offs (x) | 0.4129% | 5,697 |
| Efficiency ratio | 97.6453% | 1,232 |
| Assets per employee ($millions) | 4.5051% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2294% | 646 |
| Loan loss allowance to noncurrent loans | 21.5734% | 6,980 |
| Noncurrent assets plus other real estate owned to assets | 13.3953% | 185 |
| Noncurrent loans to loans | 14.9693% | 176 |
| Net loans and leases to total assets | 86.5952% | 242 |
| Net loans and leases to deposits | 113.2325% | 281 |
| Net loans and leases to core deposits | 147.5161% | 571 |
| Total domestic deposits to total assets | 76.4756% | 6,592 |
| Equity capital to assets | 10.0573% | 3,685 |
| Core capital (leverage) ratio | 9.5795% | 3,626 |
| Tier 1 risk-based capital ratio | 16.2581% | 2,409 |
| Total risk-based capital ratio | 17.6847% | 2,294 |
| Memoranda: | ||
| Average total assets | $101,068,200 | 5,060 |
| Average earning assets | $95,984,400 | 4,948 |
| Average equity | $9,808,400 | 5,353 |
| Average total loans | $87,389,800 | 4,292 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1552% | 6,086 |
| Cost of funding earning assets | 2.6738% | 855 |
| Net interest margin | 2.4814% | 7,483 |
| Noninterest income to average assets | 0.2960% | 6,107 |
| Noninterest expense to average assets | 2.4281% | 6,322 |
| Loan and lease loss provision to assets | 2.5242% | 657 |
| Net operating income to assets | -2.3100% | 7,412 |
| Return on assets (ROA) | -2.5424% | 7,477 |
| Pretax return on assets | -2.5281% | 7,354 |
| Return on Equity (ROE) | -26.4184% | 7,537 |
| Retained earnings to average equity (ytd only) | -26.4184% | 7,519 |
| Net charge-offs to loans | 1.6895% | 1,198 |
| Credit loss provision to net charge-offs | 174.1935% | 2,660 |
| Earnings coverage of net charge-offs (x) | 0.1577% | 5,867 |
| Efficiency ratio | 91.3978% | 1,584 |
| Assets per employee ($millions) | 4.5718% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0977% | 1,599 |
| Loan loss allowance to noncurrent loans | 18.2188% | 7,187 |
| Noncurrent assets plus other real estate owned to assets | 9.8857% | 350 |
| Noncurrent loans to loans | 11.5140% | 300 |
| Net loans and leases to total assets | 83.0593% | 662 |
| Net loans and leases to deposits | 119.7514% | 209 |
| Net loans and leases to core deposits | 154.3255% | 487 |
| Total domestic deposits to total assets | 69.3597% | 7,463 |
| Equity capital to assets | 8.9690% | 5,527 |
| Core capital (leverage) ratio | 8.5297% | 5,432 |
| Tier 1 risk-based capital ratio | 15.7965% | 2,705 |
| Total risk-based capital ratio | 17.2199% | 2,574 |
| Memoranda: | ||
| Average total assets | $102,683,250 | 5,053 |
| Average earning assets | $97,685,500 | 4,934 |
| Average equity | $9,881,750 | 5,368 |
| Average total loans | $88,072,250 | 4,306 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1312% | 6,313 |
| Cost of funding earning assets | 2.7300% | 961 |
| Net interest margin | 2.4012% | 7,573 |
| Noninterest income to average assets | 0.3327% | 5,848 |
| Noninterest expense to average assets | 2.3659% | 6,569 |
| Loan and lease loss provision to assets | 3.6156% | 381 |
| Net operating income to assets | -3.3738% | 7,742 |
| Return on assets (ROA) | -3.7201% | 7,792 |
| Pretax return on assets | -3.7066% | 7,706 |
| Return on Equity (ROE) | -37.8221% | 7,821 |
| Retained earnings to average equity (ytd only) | -37.8221% | 7,804 |
| Net charge-offs to loans | 2.5779% | 656 |
| Credit loss provision to net charge-offs | 162.9468% | 2,820 |
| Earnings coverage of net charge-offs (x) | 0.1151% | 5,555 |
| Efficiency ratio | 90.2583% | 1,781 |
| Assets per employee ($millions) | 4.8934% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9495% | 1,675 |
| Loan loss allowance to noncurrent loans | 19.3519% | 7,164 |
| Noncurrent assets plus other real estate owned to assets | 8.1102% | 461 |
| Noncurrent loans to loans | 10.0737% | 345 |
| Net loans and leases to total assets | 78.6763% | 1,599 |
| Net loans and leases to deposits | 125.1389% | 161 |
| Net loans and leases to core deposits | 160.3055% | 446 |
| Total domestic deposits to total assets | 62.8712% | 7,868 |
| Equity capital to assets | 8.3712% | 6,241 |
| Core capital (leverage) ratio | 8.4277% | 5,569 |
| Tier 1 risk-based capital ratio | 15.5059% | 2,809 |
| Total risk-based capital ratio | 16.8467% | 2,704 |
| Memoranda: | ||
| Average total assets | $103,384,330 | 5,069 |
| Average earning assets | $98,533,670 | 4,938 |
| Average equity | $10,168,670 | 5,313 |
| Average total loans | $88,986,000 | 4,305 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3820% | 5,521 |
| Cost of funding earning assets | 2.7304% | 1,177 |
| Net interest margin | 2.6516% | 7,293 |
| Noninterest income to average assets | 0.2647% | 6,332 |
| Noninterest expense to average assets | 2.4771% | 5,929 |
| Loan and lease loss provision to assets | 0.7664% | 1,678 |
| Net operating income to assets | -0.5847% | 6,954 |
| Return on assets (ROA) | -0.5847% | 7,002 |
| Pretax return on assets | -0.4543% | 6,788 |
| Return on Equity (ROE) | -5.5085% | 7,020 |
| Retained earnings to average equity (ytd only) | -5.5085% | 6,621 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8102% | 1,823 |
| Assets per employee ($millions) | 4.7299% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 4,147 |
| Loan loss allowance to noncurrent loans | 29.5048% | 6,585 |
| Noncurrent assets plus other real estate owned to assets | 3.7652% | 1,403 |
| Noncurrent loans to loans | 4.3627% | 1,336 |
| Net loans and leases to total assets | 85.1947% | 527 |
| Net loans and leases to deposits | 143.8626% | 78 |
| Net loans and leases to core deposits | 179.0242% | 247 |
| Total domestic deposits to total assets | 59.2195% | 7,984 |
| Equity capital to assets | 10.2405% | 3,720 |
| Core capital (leverage) ratio | 10.7091% | 2,731 |
| Tier 1 risk-based capital ratio | 18.5618% | 1,913 |
| Total risk-based capital ratio | 19.8205% | 1,865 |
| Memoranda: | ||
| Average total assets | $101,249,000 | 5,142 |
| Average earning assets | $96,395,000 | 5,016 |
| Average equity | $10,747,000 | 5,169 |
| Average total loans | $90,287,500 | 4,298 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9852% | 5,618 |
| Cost of funding earning assets | 2.9834% | 1,924 |
| Net interest margin | 3.0018% | 6,914 |
| Noninterest income to average assets | 0.1935% | 7,071 |
| Noninterest expense to average assets | 2.3418% | 6,587 |
| Loan and lease loss provision to assets | 0.1925% | 4,960 |
| Net operating income to assets | 0.2550% | 5,693 |
| Return on assets (ROA) | 0.1338% | 5,855 |
| Pretax return on assets | 0.3212% | 5,463 |
| Return on Equity (ROE) | 1.1852% | 5,861 |
| Retained earnings to average equity (ytd only) | 1.1852% | 4,523 |
| Net charge-offs to loans | 0.1195% | 5,055 |
| Credit loss provision to net charge-offs | 176.4151% | 2,873 |
| Earnings coverage of net charge-offs (x) | 6.4434% | 3,359 |
| Efficiency ratio | 76.9101% | 3,093 |
| Assets per employee ($millions) | 4.4746% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 5,548 |
| Loan loss allowance to noncurrent loans | 31.1528% | 6,650 |
| Noncurrent assets plus other real estate owned to assets | 3.1369% | 1,460 |
| Noncurrent loans to loans | 3.4021% | 1,506 |
| Net loans and leases to total assets | 91.2282% | 120 |
| Net loans and leases to deposits | 168.0942% | 57 |
| Net loans and leases to core deposits | 194.7647% | 189 |
| Total domestic deposits to total assets | 54.2721% | 8,085 |
| Equity capital to assets | 11.0096% | 3,032 |
| Core capital (leverage) ratio | 11.3461% | 2,341 |
| Tier 1 risk-based capital ratio | 17.4486% | 2,195 |
| Total risk-based capital ratio | 18.7016% | 2,135 |
| Memoranda: | ||
| Average total assets | $97,146,400 | 5,133 |
| Average earning assets | $92,278,200 | 5,019 |
| Average equity | $10,968,200 | 5,135 |
| Average total loans | $88,708,400 | 4,268 |