Home > Bayside Savings Bank > Performance and Condition Ratios
Bayside Savings Bank, Performance and Condition Ratios
| 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 | 4.3854% | 6,930 |
| Cost of funding earning assets | 2.5796% | 135 |
| Net interest margin | 1.8057% | 7,693 |
| Noninterest income to average assets | -0.9536% | 7,790 |
| Noninterest expense to average assets | 3.9099% | 1,170 |
| Loan and lease loss provision to assets | 2.9176% | 343 |
| Net operating income to assets | -6.2374% | 7,748 |
| Return on assets (ROA) | -6.2374% | 7,751 |
| Pretax return on assets | -6.2374% | 7,741 |
| Return on Equity (ROE) | -246.7186% | 7,810 |
| Retained earnings to average equity (ytd only) | -246.7186% | 7,810 |
| Net charge-offs to loans | 4.5024% | 258 |
| Credit loss provision to net charge-offs | 106.0672% | 3,843 |
| Earnings coverage of net charge-offs (x) | -1.2069% | 6,147 |
| Efficiency ratio | 620.7071% | 11 |
| Assets per employee ($millions) | 4.0215% | 3,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1790% | 1,805 |
| Loan loss allowance to noncurrent loans | 17.8272% | 7,036 |
| Noncurrent assets plus other real estate owned to assets | 10.7765% | 345 |
| Noncurrent loans to loans | 12.2231% | 274 |
| Net loans and leases to total assets | 59.3031% | 5,196 |
| Net loans and leases to deposits | 72.3786% | 4,932 |
| Net loans and leases to core deposits | 78.2889% | 4,895 |
| Total domestic deposits to total assets | 81.9346% | 5,012 |
| Equity capital to assets | 2.3157% | 7,778 |
| Core capital (leverage) ratio | 1.8995% | 7,783 |
| Tier 1 risk-based capital ratio | 3.2244% | 7,767 |
| Total risk-based capital ratio | 4.4856% | 7,769 |
| Memoranda: | ||
| Average total assets | $67,111,000 | 6,060 |
| Average earning assets | $57,372,330 | 6,189 |
| Average equity | $1,696,670 | 7,717 |
| Average total loans | $41,000,330 | 6,011 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4695% | 6,855 |
| Cost of funding earning assets | 2.6762% | 131 |
| Net interest margin | 1.7932% | 7,778 |
| Noninterest income to average assets | -0.5022% | 7,862 |
| Noninterest expense to average assets | 3.6266% | 1,673 |
| Loan and lease loss provision to assets | 3.6266% | 255 |
| Net operating income to assets | -6.2136% | 7,825 |
| Return on assets (ROA) | -6.2136% | 7,826 |
| Pretax return on assets | -6.2136% | 7,810 |
| Return on Equity (ROE) | -236.4444% | 7,893 |
| Retained earnings to average equity (ytd only) | -236.4444% | 7,892 |
| Net charge-offs to loans | 6.3529% | 163 |
| Credit loss provision to net charge-offs | 93.1034% | 3,585 |
| Earnings coverage of net charge-offs (x) | -0.6642% | 5,331 |
| Efficiency ratio | 325.8427% | 36 |
| Assets per employee ($millions) | 4.1311% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8072% | 2,708 |
| Loan loss allowance to noncurrent loans | 20.0913% | 7,004 |
| Noncurrent assets plus other real estate owned to assets | 8.5630% | 549 |
| Noncurrent loans to loans | 8.9949% | 538 |
| Net loans and leases to total assets | 61.4875% | 4,860 |
| Net loans and leases to deposits | 77.5034% | 4,132 |
| Net loans and leases to core deposits | 83.9728% | 4,200 |
| Total domestic deposits to total assets | 79.3352% | 6,006 |
| Equity capital to assets | 3.8095% | 7,810 |
| Core capital (leverage) ratio | 3.3504% | 7,825 |
| Tier 1 risk-based capital ratio | 5.4006% | 7,778 |
| Total risk-based capital ratio | 6.6577% | 7,779 |
| Memoranda: | ||
| Average total assets | $68,494,500 | 6,089 |
| Average earning assets | $58,888,500 | 6,209 |
| Average equity | $1,800,000 | 7,787 |
| Average total loans | $41,996,500 | 6,027 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2477% | 5,428 |
| Cost of funding earning assets | 3.2750% | 96 |
| Net interest margin | 1.9726% | 7,756 |
| Noninterest income to average assets | 0.0578% | 7,470 |
| Noninterest expense to average assets | 3.1807% | 3,439 |
| Loan and lease loss provision to assets | 6.3350% | 93 |
| Net operating income to assets | -7.8959% | 7,928 |
| Return on assets (ROA) | -7.8959% | 7,921 |
| Pretax return on assets | -7.8959% | 7,908 |
| Return on Equity (ROE) | -59.1710% | 7,751 |
| Retained earnings to average equity (ytd only) | -59.1710% | 7,747 |
| Net charge-offs to loans | 10.2291% | 33 |
| Credit loss provision to net charge-offs | 99.0218% | 5,630 |
| Earnings coverage of net charge-offs (x) | -0.2440% | 6,499 |
| Efficiency ratio | 183.3581% | 177 |
| Assets per employee ($millions) | 4.4307% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 2,363 |
| Loan loss allowance to noncurrent loans | 25.9308% | 6,737 |
| Noncurrent assets plus other real estate owned to assets | 7.5285% | 639 |
| Noncurrent loans to loans | 7.1873% | 758 |
| Net loans and leases to total assets | 58.9765% | 5,493 |
| Net loans and leases to deposits | 71.2394% | 5,437 |
| Net loans and leases to core deposits | 99.1040% | 4,100 |
| Total domestic deposits to total assets | 82.7862% | 4,622 |
| Equity capital to assets | 1.5263% | 7,975 |
| Core capital (leverage) ratio | 1.0293% | 7,982 |
| Tier 1 risk-based capital ratio | 1.7010% | 7,977 |
| Total risk-based capital ratio | 2.9592% | 7,978 |
| Memoranda: | ||
| Average total assets | $83,093,800 | 5,627 |
| Average earning assets | $65,800,800 | 5,935 |
| Average equity | $11,088,200 | 5,000 |
| Average total loans | $51,969,600 | 5,588 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4282% | 4,802 |
| Cost of funding earning assets | 3.3207% | 124 |
| Net interest margin | 2.1075% | 7,757 |
| Noninterest income to average assets | 0.1238% | 7,270 |
| Noninterest expense to average assets | 3.0707% | 3,765 |
| Loan and lease loss provision to assets | 4.3244% | 244 |
| Net operating income to assets | -5.6338% | 7,899 |
| Return on assets (ROA) | -5.6338% | 7,897 |
| Pretax return on assets | -5.6338% | 7,880 |
| Return on Equity (ROE) | -35.7123% | 7,710 |
| Retained earnings to average equity (ytd only) | -35.7123% | 7,702 |
| Net charge-offs to loans | 7.1046% | 104 |
| Credit loss provision to net charge-offs | 96.5446% | 5,286 |
| Earnings coverage of net charge-offs (x) | -0.2923% | 6,352 |
| Efficiency ratio | 162.6538% | 261 |
| Assets per employee ($millions) | 5.0628% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5696% | 999 |
| Loan loss allowance to noncurrent loans | 24.5556% | 6,809 |
| Noncurrent assets plus other real estate owned to assets | 8.0402% | 534 |
| Noncurrent loans to loans | 10.4644% | 366 |
| Net loans and leases to total assets | 52.3365% | 6,572 |
| Net loans and leases to deposits | 73.2094% | 5,481 |
| Net loans and leases to core deposits | 98.9174% | 4,494 |
| Total domestic deposits to total assets | 71.4888% | 7,279 |
| Equity capital to assets | 14.4595% | 1,154 |
| Core capital (leverage) ratio | 4.6692% | 7,947 |
| Tier 1 risk-based capital ratio | 6.7787% | 7,918 |
| Total risk-based capital ratio | 8.0420% | 7,921 |
| Memoranda: | ||
| Average total assets | $86,144,500 | 5,549 |
| Average earning assets | $66,932,750 | 5,937 |
| Average equity | $13,589,750 | 4,395 |
| Average total loans | $54,311,250 | 5,546 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6700% | 3,716 |
| Cost of funding earning assets | 3.4296% | 136 |
| Net interest margin | 2.2404% | 7,725 |
| Noninterest income to average assets | 0.3041% | 6,090 |
| Noninterest expense to average assets | 3.3979% | 2,641 |
| Loan and lease loss provision to assets | 5.9487% | 140 |
| Net operating income to assets | -7.3111% | 8,067 |
| Return on assets (ROA) | -7.3111% | 8,056 |
| Pretax return on assets | -7.3111% | 8,037 |
| Return on Equity (ROE) | -45.0923% | 7,886 |
| Retained earnings to average equity (ytd only) | -45.0923% | 7,876 |
| Net charge-offs to loans | 8.2240% | 99 |
| Credit loss provision to net charge-offs | 109.3430% | 4,231 |
| Earnings coverage of net charge-offs (x) | -0.2504% | 5,921 |
| Efficiency ratio | 156.4424% | 341 |
| Assets per employee ($millions) | 5.0194% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7379% | 721 |
| Loan loss allowance to noncurrent loans | 42.1656% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 7.9902% | 474 |
| Noncurrent loans to loans | 6.4932% | 816 |
| Net loans and leases to total assets | 62.7395% | 5,227 |
| Net loans and leases to deposits | 88.3883% | 3,111 |
| Net loans and leases to core deposits | 112.2751% | 3,103 |
| Total domestic deposits to total assets | 70.9817% | 7,369 |
| Equity capital to assets | 14.6316% | 1,129 |
| Core capital (leverage) ratio | 4.7156% | 8,042 |
| Tier 1 risk-based capital ratio | 5.9579% | 8,058 |
| Total risk-based capital ratio | 7.2238% | 8,065 |
| Memoranda: | ||
| Average total assets | $86,170,000 | 5,580 |
| Average earning assets | $66,596,330 | 5,988 |
| Average equity | $13,971,330 | 4,311 |
| Average total loans | $57,004,000 | 5,467 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8166% | 3,216 |
| Cost of funding earning assets | 3.5294% | 140 |
| Net interest margin | 2.2872% | 7,729 |
| Noninterest income to average assets | 0.2264% | 6,651 |
| Noninterest expense to average assets | 2.9934% | 3,799 |
| Loan and lease loss provision to assets | 2.8872% | 380 |
| Net operating income to assets | -3.8850% | 7,970 |
| Return on assets (ROA) | -3.8850% | 7,963 |
| Pretax return on assets | -3.8850% | 7,887 |
| Return on Equity (ROE) | -22.8618% | 7,807 |
| Retained earnings to average equity (ytd only) | -22.8618% | 7,718 |
| Net charge-offs to loans | 12.4515% | 37 |
| Credit loss provision to net charge-offs | 34.6260% | 4,893 |
| Earnings coverage of net charge-offs (x) | -0.1197% | 5,090 |
| Efficiency ratio | 139.3519% | 415 |
| Assets per employee ($millions) | 5.2262% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1931% | 8,111 |
| Loan loss allowance to noncurrent loans | 3.5445% | 7,561 |
| Noncurrent assets plus other real estate owned to assets | 7.6335% | 412 |
| Noncurrent loans to loans | 5.4467% | 951 |
| Net loans and leases to total assets | 62.8443% | 5,181 |
| Net loans and leases to deposits | 90.1159% | 2,911 |
| Net loans and leases to core deposits | 113.1228% | 3,089 |
| Total domestic deposits to total assets | 69.7372% | 7,449 |
| Equity capital to assets | 16.6515% | 773 |
| Core capital (leverage) ratio | 7.3424% | 7,329 |
| Tier 1 risk-based capital ratio | 9.1667% | 7,695 |
| Total risk-based capital ratio | 9.3355% | 8,031 |
| Memoranda: | ||
| Average total assets | $86,590,500 | 5,584 |
| Average earning assets | $66,980,500 | 6,005 |
| Average equity | $14,714,500 | 4,191 |
| Average total loans | $57,985,000 | 5,453 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6454% | 2,267 |
| Cost of funding earning assets | 3.8248% | 186 |
| Net interest margin | 2.8206% | 7,297 |
| Noninterest income to average assets | 0.2031% | 6,992 |
| Noninterest expense to average assets | 2.6581% | 5,418 |
| Loan and lease loss provision to assets | 1.8005% | 701 |
| Net operating income to assets | -2.0510% | 7,612 |
| Return on assets (ROA) | -2.0510% | 7,574 |
| Pretax return on assets | -2.0510% | 7,449 |
| Return on Equity (ROE) | -11.0095% | 7,344 |
| Retained earnings to average equity (ytd only) | -26.4984% | 7,840 |
| Net charge-offs to loans | 1.4506% | 803 |
| Credit loss provision to net charge-offs | 175.2809% | 2,902 |
| Earnings coverage of net charge-offs (x) | -0.2438% | 6,394 |
| Efficiency ratio | 101.0067% | 944 |
| Assets per employee ($millions) | 4.9609% | 1,983 |
| Cash dividends to net income (ytd only)* | -140.6866% | 8,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1457% | 1,004 |
| Loan loss allowance to noncurrent loans | 30.0093% | 6,707 |
| Noncurrent assets plus other real estate owned to assets | 8.0986% | 281 |
| Noncurrent loans to loans | 7.1500% | 417 |
| Net loans and leases to total assets | 69.6500% | 4,107 |
| Net loans and leases to deposits | 103.6582% | 1,376 |
| Net loans and leases to core deposits | 132.0712% | 1,719 |
| Total domestic deposits to total assets | 67.1919% | 7,552 |
| Equity capital to assets | 17.3532% | 736 |
| Core capital (leverage) ratio | 7.5142% | 7,193 |
| Tier 1 risk-based capital ratio | 8.8592% | 7,872 |
| Total risk-based capital ratio | 10.1092% | 7,906 |
| Memoranda: | ||
| Average total assets | $86,641,800 | 5,456 |
| Average earning assets | $67,715,800 | 5,904 |
| Average equity | $16,140,600 | 3,904 |
| Average total loans | $61,352,600 | 5,207 |