Home > Bank of Fall River, a Co-operative Bank > Performance and Condition Ratios
Bank of Fall River, a Co-operative Bank, Performance and Condition Ratios
| 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 | 4.9445% | 4,810 |
| Cost of funding earning assets | 1.3396% | 3,644 |
| Net interest margin | 3.6049% | 4,796 |
| Noninterest income to average assets | 0.3690% | 5,151 |
| Noninterest expense to average assets | 3.6537% | 1,802 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1412% | 5,467 |
| Return on assets (ROA) | 0.1234% | 5,673 |
| Pretax return on assets | 0.1623% | 5,567 |
| Return on Equity (ROE) | 1.5378% | 5,549 |
| Retained earnings to average equity (ytd only) | 1.5378% | 4,768 |
| Net charge-offs to loans | 0.0436% | 6,369 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 6.5435% | 2,331 |
| Efficiency ratio | 95.1623% | 1,002 |
| Assets per employee ($millions) | 3.4874% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7873% | 2,905 |
| Loan loss allowance to noncurrent loans | 46.1806% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 2.4599% | 2,815 |
| Noncurrent loans to loans | 3.8703% | 1,896 |
| Net loans and leases to total assets | 62.4234% | 4,194 |
| Net loans and leases to deposits | 71.5468% | 4,600 |
| Net loans and leases to core deposits | 75.8286% | 4,747 |
| Total domestic deposits to total assets | 87.2483% | 2,699 |
| Equity capital to assets | 7.9697% | 6,522 |
| Core capital (leverage) ratio | 7.6432% | 6,585 |
| Tier 1 risk-based capital ratio | 14.1674% | 3,758 |
| Total risk-based capital ratio | 15.4276% | 3,711 |
| Memoranda: | ||
| Average total assets | $162,053,800 | 3,658 |
| Average earning assets | $156,012,000 | 3,524 |
| Average equity | $13,005,600 | 4,359 |
| Average total loans | $105,611,800 | 3,641 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0531% | 4,578 |
| Cost of funding earning assets | 1.3600% | 3,832 |
| Net interest margin | 3.6931% | 4,438 |
| Noninterest income to average assets | 0.3094% | 5,676 |
| Noninterest expense to average assets | 3.3120% | 2,536 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3587% | 4,936 |
| Return on assets (ROA) | 0.3292% | 5,221 |
| Pretax return on assets | 0.5033% | 4,910 |
| Return on Equity (ROE) | 4.0950% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.0950% | 3,593 |
| Net charge-offs to loans | 0.0843% | 5,689 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 9.9254% | 1,940 |
| Efficiency ratio | 85.7876% | 1,657 |
| Assets per employee ($millions) | 3.3589% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 3,124 |
| Loan loss allowance to noncurrent loans | 51.9627% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 2.1867% | 3,222 |
| Noncurrent loans to loans | 3.2911% | 2,404 |
| Net loans and leases to total assets | 64.2542% | 4,071 |
| Net loans and leases to deposits | 73.9854% | 4,513 |
| Net loans and leases to core deposits | 78.6129% | 4,723 |
| Total domestic deposits to total assets | 86.8471% | 2,614 |
| Equity capital to assets | 8.1355% | 6,683 |
| Core capital (leverage) ratio | 7.8317% | 6,544 |
| Tier 1 risk-based capital ratio | 13.7574% | 4,017 |
| Total risk-based capital ratio | 15.0162% | 3,965 |
| Memoranda: | ||
| Average total assets | $161,590,250 | 3,728 |
| Average earning assets | $155,386,000 | 3,586 |
| Average equity | $12,991,250 | 4,443 |
| Average total loans | $105,970,000 | 3,683 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1627% | 4,126 |
| Cost of funding earning assets | 1.3727% | 4,039 |
| Net interest margin | 3.7899% | 3,938 |
| Noninterest income to average assets | 0.3089% | 5,686 |
| Noninterest expense to average assets | 3.3339% | 2,448 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3865% | 4,814 |
| Return on assets (ROA) | 0.3761% | 5,032 |
| Pretax return on assets | 0.5965% | 4,575 |
| Return on Equity (ROE) | 4.6973% | 4,443 |
| Retained earnings to average equity (ytd only) | 4.6973% | 3,088 |
| Net charge-offs to loans | 0.0930% | 5,204 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 10.0408% | 1,943 |
| Efficiency ratio | 84.4746% | 1,866 |
| Assets per employee ($millions) | 3.2658% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7383% | 2,937 |
| Loan loss allowance to noncurrent loans | 61.4749% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.8703% | 3,661 |
| Noncurrent loans to loans | 2.8277% | 2,831 |
| Net loans and leases to total assets | 64.3538% | 4,188 |
| Net loans and leases to deposits | 74.1255% | 4,660 |
| Net loans and leases to core deposits | 80.7848% | 4,577 |
| Total domestic deposits to total assets | 86.8174% | 2,641 |
| Equity capital to assets | 8.0605% | 6,686 |
| Core capital (leverage) ratio | 7.7619% | 6,543 |
| Tier 1 risk-based capital ratio | 13.4670% | 4,087 |
| Total risk-based capital ratio | 14.7263% | 4,049 |
| Memoranda: | ||
| Average total assets | $160,591,330 | 3,777 |
| Average earning assets | $154,144,670 | 3,634 |
| Average equity | $12,858,330 | 4,469 |
| Average total loans | $105,428,670 | 3,732 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2481% | 3,792 |
| Cost of funding earning assets | 1.3934% | 4,222 |
| Net interest margin | 3.8547% | 3,538 |
| Noninterest income to average assets | 0.2813% | 5,890 |
| Noninterest expense to average assets | 3.3760% | 2,302 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3789% | 4,934 |
| Return on assets (ROA) | 0.3291% | 5,299 |
| Pretax return on assets | 0.5175% | 4,904 |
| Return on Equity (ROE) | 4.1239% | 4,839 |
| Retained earnings to average equity (ytd only) | 4.1239% | 3,677 |
| Net charge-offs to loans | -0.0459% | 7,322 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0095% | 1,908 |
| Assets per employee ($millions) | 3.3942% | 5,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 2,654 |
| Loan loss allowance to noncurrent loans | 73.7894% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.6155% | 4,065 |
| Noncurrent loans to loans | 2.4738% | 3,194 |
| Net loans and leases to total assets | 63.3810% | 4,451 |
| Net loans and leases to deposits | 72.8833% | 4,931 |
| Net loans and leases to core deposits | 79.8498% | 4,779 |
| Total domestic deposits to total assets | 86.9624% | 2,644 |
| Equity capital to assets | 7.8836% | 6,774 |
| Core capital (leverage) ratio | 8.0185% | 6,211 |
| Tier 1 risk-based capital ratio | 13.3067% | 4,120 |
| Total risk-based capital ratio | 14.5673% | 4,064 |
| Memoranda: | ||
| Average total assets | $159,241,500 | 3,857 |
| Average earning assets | $152,437,500 | 3,716 |
| Average equity | $12,706,500 | 4,542 |
| Average total loans | $104,671,500 | 3,806 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6501% | 3,353 |
| Cost of funding earning assets | 1.7487% | 4,257 |
| Net interest margin | 3.9014% | 3,263 |
| Noninterest income to average assets | 0.3912% | 5,285 |
| Noninterest expense to average assets | 3.6968% | 1,921 |
| Loan and lease loss provision to assets | -0.0128% | 7,962 |
| Net operating income to assets | 0.3137% | 4,482 |
| Return on assets (ROA) | 0.2831% | 4,687 |
| Pretax return on assets | 0.3615% | 4,606 |
| Return on Equity (ROE) | 3.2120% | 4,410 |
| Retained earnings to average equity (ytd only) | 3.2120% | 2,909 |
| Net charge-offs to loans | 0.3835% | 4,287 |
| Credit loss provision to net charge-offs | -4.9869% | 7,349 |
| Earnings coverage of net charge-offs (x) | 1.5066% | 4,618 |
| Efficiency ratio | 90.5045% | 1,669 |
| Assets per employee ($millions) | 3.1747% | 5,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8308% | 2,449 |
| Loan loss allowance to noncurrent loans | 82.8410% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.7080% | 3,808 |
| Noncurrent loans to loans | 2.2100% | 3,382 |
| Net loans and leases to total assets | 65.7326% | 4,225 |
| Net loans and leases to deposits | 76.8320% | 4,601 |
| Net loans and leases to core deposits | 100.9617% | 3,905 |
| Total domestic deposits to total assets | 85.5537% | 3,255 |
| Equity capital to assets | 8.0797% | 6,491 |
| Core capital (leverage) ratio | 7.7222% | 6,535 |
| Tier 1 risk-based capital ratio | 12.8537% | 4,244 |
| Total risk-based capital ratio | 14.1140% | 4,189 |
| Memoranda: | ||
| Average total assets | $147,994,200 | 3,986 |
| Average earning assets | $140,104,200 | 3,902 |
| Average equity | $13,044,800 | 4,500 |
| Average total loans | $99,341,800 | 3,969 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6751% | 3,452 |
| Cost of funding earning assets | 1.7769% | 4,495 |
| Net interest margin | 3.8983% | 3,241 |
| Noninterest income to average assets | 0.4034% | 5,250 |
| Noninterest expense to average assets | 3.8146% | 1,566 |
| Loan and lease loss provision to assets | -0.0137% | 8,041 |
| Net operating income to assets | 0.2270% | 5,067 |
| Return on assets (ROA) | 0.2053% | 5,225 |
| Pretax return on assets | 0.2610% | 5,167 |
| Return on Equity (ROE) | 2.2789% | 5,068 |
| Retained earnings to average equity (ytd only) | 2.2789% | 4,053 |
| Net charge-offs to loans | 0.4810% | 3,306 |
| Credit loss provision to net charge-offs | -4.2373% | 7,168 |
| Earnings coverage of net charge-offs (x) | 0.8503% | 5,208 |
| Efficiency ratio | 93.2827% | 1,449 |
| Assets per employee ($millions) | 3.1284% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8593% | 2,135 |
| Loan loss allowance to noncurrent loans | 99.3849% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 1.4551% | 4,207 |
| Noncurrent loans to loans | 1.8708% | 3,809 |
| Net loans and leases to total assets | 65.4307% | 4,549 |
| Net loans and leases to deposits | 75.8326% | 5,078 |
| Net loans and leases to core deposits | 101.9423% | 4,163 |
| Total domestic deposits to total assets | 86.2830% | 2,552 |
| Equity capital to assets | 8.6492% | 6,033 |
| Core capital (leverage) ratio | 8.4539% | 5,571 |
| Tier 1 risk-based capital ratio | 13.6567% | 3,743 |
| Total risk-based capital ratio | 14.9173% | 3,678 |
| Memoranda: | ||
| Average total assets | $146,102,250 | 4,039 |
| Average earning assets | $138,143,500 | 3,962 |
| Average equity | $13,163,750 | 4,496 |
| Average total loans | $98,136,750 | 4,038 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8032% | 3,028 |
| Cost of funding earning assets | 1.7792% | 4,864 |
| Net interest margin | 4.0240% | 2,603 |
| Noninterest income to average assets | 0.3925% | 5,353 |
| Noninterest expense to average assets | 3.9688% | 1,372 |
| Loan and lease loss provision to assets | -0.0168% | 8,146 |
| Net operating income to assets | 0.2005% | 5,258 |
| Return on assets (ROA) | 0.2005% | 5,344 |
| Pretax return on assets | 0.2327% | 5,377 |
| Return on Equity (ROE) | 2.1929% | 5,221 |
| Retained earnings to average equity (ytd only) | 2.1929% | 4,121 |
| Net charge-offs to loans | 0.4163% | 3,132 |
| Credit loss provision to net charge-offs | -6.0000% | 6,886 |
| Earnings coverage of net charge-offs (x) | 0.7700% | 4,960 |
| Efficiency ratio | 94.8409% | 1,458 |
| Assets per employee ($millions) | 2.9253% | 6,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1171% | 1,361 |
| Loan loss allowance to noncurrent loans | 115.5543% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 1.4959% | 3,991 |
| Noncurrent loans to loans | 1.8321% | 3,762 |
| Net loans and leases to total assets | 66.2248% | 4,525 |
| Net loans and leases to deposits | 77.3462% | 4,966 |
| Net loans and leases to core deposits | 100.3741% | 4,470 |
| Total domestic deposits to total assets | 85.6212% | 2,952 |
| Equity capital to assets | 9.0337% | 5,266 |
| Core capital (leverage) ratio | 8.8804% | 4,817 |
| Tier 1 risk-based capital ratio | 14.0174% | 3,512 |
| Total risk-based capital ratio | 15.2815% | 3,444 |
| Memoranda: | ||
| Average total assets | $142,663,330 | 4,122 |
| Average earning assets | $134,444,000 | 4,060 |
| Average equity | $13,042,000 | 4,528 |
| Average total loans | $96,087,330 | 4,116 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9387% | 2,609 |
| Cost of funding earning assets | 1.7460% | 5,373 |
| Net interest margin | 4.1927% | 1,922 |
| Noninterest income to average assets | 0.3834% | 5,354 |
| Noninterest expense to average assets | 4.1004% | 1,061 |
| Loan and lease loss provision to assets | -0.0256% | 8,184 |
| Net operating income to assets | 0.2130% | 5,622 |
| Return on assets (ROA) | 0.2130% | 5,783 |
| Pretax return on assets | 0.2499% | 5,822 |
| Return on Equity (ROE) | 2.3154% | 5,657 |
| Retained earnings to average equity (ytd only) | 2.3154% | 4,588 |
| Net charge-offs to loans | 0.5916% | 1,994 |
| Credit loss provision to net charge-offs | -6.4286% | 6,134 |
| Earnings coverage of net charge-offs (x) | 0.5643% | 4,542 |
| Efficiency ratio | 94.8129% | 1,388 |
| Assets per employee ($millions) | 2.7035% | 6,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2517% | 1,008 |
| Loan loss allowance to noncurrent loans | 119.6785% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.3188% | 4,028 |
| Noncurrent loans to loans | 1.8814% | 3,438 |
| Net loans and leases to total assets | 66.6709% | 4,420 |
| Net loans and leases to deposits | 77.9316% | 4,932 |
| Net loans and leases to core deposits | 101.4417% | 4,401 |
| Total domestic deposits to total assets | 85.5506% | 2,945 |
| Equity capital to assets | 9.2716% | 4,979 |
| Core capital (leverage) ratio | 8.9601% | 4,778 |
| Tier 1 risk-based capital ratio | 14.3215% | 3,419 |
| Total risk-based capital ratio | 15.5870% | 3,327 |
| Memoranda: | ||
| Average total assets | $140,863,000 | 4,174 |
| Average earning assets | $132,420,500 | 4,100 |
| Average equity | $12,956,500 | 4,587 |
| Average total loans | $94,652,000 | 4,185 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0827% | 5,131 |
| Cost of funding earning assets | 2.0595% | 6,200 |
| Net interest margin | 4.0232% | 3,012 |
| Noninterest income to average assets | 0.4317% | 5,199 |
| Noninterest expense to average assets | 3.7940% | 1,764 |
| Loan and lease loss provision to assets | 0.0192% | 7,146 |
| Net operating income to assets | 0.2576% | 5,683 |
| Return on assets (ROA) | -0.5511% | 6,845 |
| Pretax return on assets | -0.8730% | 6,924 |
| Return on Equity (ROE) | -5.6031% | 6,923 |
| Retained earnings to average equity (ytd only) | -5.6031% | 6,605 |
| Net charge-offs to loans | 0.0548% | 6,001 |
| Credit loss provision to net charge-offs | 53.0612% | 6,318 |
| Earnings coverage of net charge-offs (x) | 11.3469% | 2,381 |
| Efficiency ratio | 90.2559% | 1,497 |
| Assets per employee ($millions) | 2.7143% | 6,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4695% | 708 |
| Loan loss allowance to noncurrent loans | 92.3539% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.8477% | 2,677 |
| Noncurrent loans to loans | 2.6740% | 2,028 |
| Net loans and leases to total assets | 64.5516% | 5,162 |
| Net loans and leases to deposits | 78.1708% | 5,318 |
| Net loans and leases to core deposits | 101.6365% | 4,656 |
| Total domestic deposits to total assets | 82.5776% | 3,959 |
| Equity capital to assets | 9.1246% | 5,187 |
| Core capital (leverage) ratio | 9.4882% | 4,025 |
| Tier 1 risk-based capital ratio | 14.6022% | 3,255 |
| Total risk-based capital ratio | 15.8698% | 3,164 |
| Memoranda: | ||
| Average total assets | $135,739,400 | 4,167 |
| Average earning assets | $127,262,600 | 4,104 |
| Average equity | $13,349,800 | 4,486 |
| Average total loans | $89,454,600 | 4,246 |