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Bradford Bank, Performance and Condition Ratios
| 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 | 4.9332% | 6,957 |
| Cost of funding earning assets | 3.1316% | 320 |
| Net interest margin | 1.8016% | 7,942 |
| Noninterest income to average assets | 0.2267% | 6,668 |
| Noninterest expense to average assets | 2.8695% | 4,642 |
| Loan and lease loss provision to assets | 6.0960% | 129 |
| Net operating income to assets | -7.0188% | 8,057 |
| Return on assets (ROA) | -7.2700% | 8,055 |
| Pretax return on assets | -7.3220% | 8,038 |
| Return on Equity (ROE) | -240.8913% | 8,156 |
| Retained earnings to average equity (ytd only) | -240.8913% | 8,155 |
| Net charge-offs to loans | 9.3796% | 66 |
| Credit loss provision to net charge-offs | 84.8631% | 5,066 |
| Earnings coverage of net charge-offs (x) | -0.1354% | 5,828 |
| Efficiency ratio | 149.3090% | 376 |
| Assets per employee ($millions) | 5.1351% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 5,485 |
| Loan loss allowance to noncurrent loans | 9.3235% | 7,505 |
| Noncurrent assets plus other real estate owned to assets | 9.7772% | 311 |
| Noncurrent loans to loans | 11.9717% | 227 |
| Net loans and leases to total assets | 74.0073% | 2,697 |
| Net loans and leases to deposits | 87.5107% | 3,263 |
| Net loans and leases to core deposits | 114.0815% | 2,901 |
| Total domestic deposits to total assets | 84.5694% | 3,467 |
| Equity capital to assets | 0.3729% | 8,170 |
| Core capital (leverage) ratio | 0.9900% | 8,163 |
| Tier 1 risk-based capital ratio | 1.5466% | 8,159 |
| Total risk-based capital ratio | 2.7971% | 8,159 |
| Memoranda: | ||
| Average total assets | $472,901,670 | 1,502 |
| Average earning assets | $438,502,000 | 1,472 |
| Average equity | $14,272,000 | 4,249 |
| Average total loans | $362,169,670 | 1,381 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9194% | 7,127 |
| Cost of funding earning assets | 3.1629% | 383 |
| Net interest margin | 1.7565% | 7,986 |
| Noninterest income to average assets | 0.2491% | 6,463 |
| Noninterest expense to average assets | 2.7538% | 4,765 |
| Loan and lease loss provision to assets | 10.2721% | 39 |
| Net operating income to assets | -11.0482% | 8,180 |
| Return on assets (ROA) | -11.5397% | 8,175 |
| Pretax return on assets | -11.6415% | 8,171 |
| Return on Equity (ROE) | -271.2504% | 8,214 |
| Retained earnings to average equity (ytd only) | -271.2504% | 8,213 |
| Net charge-offs to loans | 16.6649% | 24 |
| Credit loss provision to net charge-offs | 79.6382% | 4,196 |
| Earnings coverage of net charge-offs (x) | -0.0677% | 5,039 |
| Efficiency ratio | 142.5869% | 394 |
| Assets per employee ($millions) | 5.4404% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 6,788 |
| Loan loss allowance to noncurrent loans | 8.9433% | 7,525 |
| Noncurrent assets plus other real estate owned to assets | 8.4672% | 327 |
| Noncurrent loans to loans | 9.9745% | 295 |
| Net loans and leases to total assets | 76.2093% | 2,224 |
| Net loans and leases to deposits | 90.5023% | 2,851 |
| Net loans and leases to core deposits | 117.0704% | 2,675 |
| Total domestic deposits to total assets | 84.2070% | 3,601 |
| Equity capital to assets | 1.1489% | 8,232 |
| Core capital (leverage) ratio | 1.6692% | 8,224 |
| Tier 1 risk-based capital ratio | 2.5506% | 8,221 |
| Total risk-based capital ratio | 3.5978% | 8,225 |
| Memoranda: | ||
| Average total assets | $483,408,500 | 1,470 |
| Average earning assets | $449,076,000 | 1,441 |
| Average equity | $20,565,500 | 3,174 |
| Average total loans | $374,152,000 | 1,339 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7882% | 6,472 |
| Cost of funding earning assets | 3.4781% | 557 |
| Net interest margin | 2.3101% | 7,904 |
| Noninterest income to average assets | 0.3012% | 6,303 |
| Noninterest expense to average assets | 2.4882% | 6,054 |
| Loan and lease loss provision to assets | 2.0437% | 578 |
| Net operating income to assets | -1.2308% | 7,356 |
| Return on assets (ROA) | -1.2955% | 7,329 |
| Pretax return on assets | -2.1746% | 7,496 |
| Return on Equity (ROE) | -17.3416% | 7,678 |
| Retained earnings to average equity (ytd only) | -17.3416% | 7,585 |
| Net charge-offs to loans | 1.8530% | 593 |
| Credit loss provision to net charge-offs | 141.5141% | 3,748 |
| Earnings coverage of net charge-offs (x) | -0.0206% | 6,258 |
| Efficiency ratio | 98.4743% | 1,042 |
| Assets per employee ($millions) | 5.4235% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 2,177 |
| Loan loss allowance to noncurrent loans | 18.2855% | 7,306 |
| Noncurrent assets plus other real estate owned to assets | 6.9550% | 380 |
| Noncurrent loans to loans | 8.8372% | 277 |
| Net loans and leases to total assets | 76.6022% | 2,471 |
| Net loans and leases to deposits | 96.2453% | 2,410 |
| Net loans and leases to core deposits | 121.9914% | 2,507 |
| Total domestic deposits to total assets | 79.5906% | 5,168 |
| Equity capital to assets | 7.1013% | 7,682 |
| Core capital (leverage) ratio | 4.6115% | 8,236 |
| Tier 1 risk-based capital ratio | 6.8200% | 8,186 |
| Total risk-based capital ratio | 8.0781% | 8,197 |
| Memoranda: | ||
| Average total assets | $533,236,200 | 1,273 |
| Average earning assets | $497,948,200 | 1,242 |
| Average equity | $39,834,800 | 1,692 |
| Average total loans | $415,587,400 | 1,158 |