Home > Bramble Savings Bank > Performance and Condition Ratios
Bramble 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 | 5.7942% | 1,441 |
| Cost of funding earning assets | 3.3909% | 17 |
| Net interest margin | 2.4033% | 7,475 |
| Noninterest income to average assets | -0.5485% | 7,755 |
| Noninterest expense to average assets | 4.8256% | 429 |
| Loan and lease loss provision to assets | 1.6945% | 744 |
| Net operating income to assets | -4.9770% | 7,696 |
| Return on assets (ROA) | -4.9770% | 7,698 |
| Pretax return on assets | -4.9770% | 7,679 |
| Return on Equity (ROE) | -268.0392% | 7,817 |
| Retained earnings to average equity (ytd only) | -268.0392% | 7,817 |
| Net charge-offs to loans | 0.4258% | 3,292 |
| Credit loss provision to net charge-offs | 517.5000% | 715 |
| Earnings coverage of net charge-offs (x) | -10.0250% | 6,324 |
| Efficiency ratio | 310.0796% | 35 |
| Assets per employee ($millions) | 4.7523% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3849% | 598 |
| Loan loss allowance to noncurrent loans | 41.5329% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 15.0958% | 144 |
| Noncurrent loans to loans | 8.1498% | 630 |
| Net loans and leases to total assets | 76.1589% | 1,469 |
| Net loans and leases to deposits | 87.1050% | 2,318 |
| Net loans and leases to core deposits | 99.7547% | 2,048 |
| Total domestic deposits to total assets | 87.4335% | 2,299 |
| Equity capital to assets | 0.9848% | 7,812 |
| Core capital (leverage) ratio | 0.7599% | 7,814 |
| Tier 1 risk-based capital ratio | 1.2111% | 7,812 |
| Total risk-based capital ratio | 2.4221% | 7,812 |
| Memoranda: | ||
| Average total assets | $48,864,330 | 6,701 |
| Average earning assets | $42,525,000 | 6,758 |
| Average equity | $907,330 | 7,809 |
| Average total loans | $37,579,330 | 6,156 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6774% | 1,862 |
| Cost of funding earning assets | 3.3898% | 19 |
| Net interest margin | 2.2876% | 7,601 |
| Noninterest income to average assets | -1.8007% | 7,919 |
| Noninterest expense to average assets | 5.8464% | 235 |
| Loan and lease loss provision to assets | 3.3431% | 282 |
| Net operating income to assets | -8.9957% | 7,881 |
| Return on assets (ROA) | -8.9957% | 7,884 |
| Pretax return on assets | -8.9957% | 7,879 |
| Return on Equity (ROE) | -395.3860% | 7,910 |
| Retained earnings to average equity (ytd only) | -395.3860% | 7,910 |
| Net charge-offs to loans | 0.8502% | 1,837 |
| Credit loss provision to net charge-offs | 517.5000% | 814 |
| Earnings coverage of net charge-offs (x) | -8.7500% | 5,556 |
| Efficiency ratio | 2,995.8333% | 7 |
| Assets per employee ($millions) | 4.5070% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3361% | 615 |
| Loan loss allowance to noncurrent loans | 67.0545% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 12.1629% | 250 |
| Noncurrent loans to loans | 4.9753% | 1,461 |
| Net loans and leases to total assets | 74.1069% | 1,947 |
| Net loans and leases to deposits | 84.4210% | 2,868 |
| Net loans and leases to core deposits | 94.7762% | 2,733 |
| Total domestic deposits to total assets | 87.7826% | 2,191 |
| Equity capital to assets | 1.1497% | 7,905 |
| Core capital (leverage) ratio | 0.9440% | 7,908 |
| Tier 1 risk-based capital ratio | 1.5334% | 7,906 |
| Total risk-based capital ratio | 2.8206% | 7,905 |
| Memoranda: | ||
| Average total assets | $49,535,000 | 6,745 |
| Average earning assets | $43,188,500 | 6,813 |
| Average equity | $1,127,000 | 7,878 |
| Average total loans | $37,638,500 | 6,225 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1012% | 1,515 |
| Cost of funding earning assets | 3.6562% | 30 |
| Net interest margin | 2.4450% | 7,477 |
| Noninterest income to average assets | 0.9104% | 1,906 |
| Noninterest expense to average assets | 4.4953% | 801 |
| Loan and lease loss provision to assets | 0.5861% | 3,447 |
| Net operating income to assets | -3.6474% | 7,540 |
| Return on assets (ROA) | -3.6474% | 7,547 |
| Pretax return on assets | -2.0494% | 6,959 |
| Return on Equity (ROE) | -70.2196% | 7,810 |
| Retained earnings to average equity (ytd only) | -70.2196% | 7,808 |
| Net charge-offs to loans | 0.5614% | 3,536 |
| Credit loss provision to net charge-offs | 139.5349% | 3,502 |
| Earnings coverage of net charge-offs (x) | -3.4837% | 7,073 |
| Efficiency ratio | 147.2294% | 335 |
| Assets per employee ($millions) | 4.4994% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5061% | 1,217 |
| Loan loss allowance to noncurrent loans | 34.0379% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 14.1273% | 167 |
| Noncurrent loans to loans | 7.3627% | 726 |
| Net loans and leases to total assets | 73.4144% | 2,400 |
| Net loans and leases to deposits | 85.8172% | 2,947 |
| Net loans and leases to core deposits | 127.8951% | 1,400 |
| Total domestic deposits to total assets | 85.5475% | 3,263 |
| Equity capital to assets | 3.4025% | 7,896 |
| Core capital (leverage) ratio | 3.4797% | 7,876 |
| Tier 1 risk-based capital ratio | 5.3064% | 7,855 |
| Total risk-based capital ratio | 6.5783% | 7,855 |
| Memoranda: | ||
| Average total assets | $51,186,600 | 6,660 |
| Average earning assets | $44,417,600 | 6,746 |
| Average equity | $2,658,800 | 7,687 |
| Average total loans | $38,299,400 | 6,187 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1681% | 1,450 |
| Cost of funding earning assets | 3.7318% | 24 |
| Net interest margin | 2.4363% | 7,533 |
| Noninterest income to average assets | 0.9068% | 1,957 |
| Noninterest expense to average assets | 4.6450% | 638 |
| Loan and lease loss provision to assets | 0.7750% | 2,436 |
| Net operating income to assets | -4.5132% | 7,794 |
| Return on assets (ROA) | -4.5132% | 7,799 |
| Pretax return on assets | -2.4000% | 7,315 |
| Return on Equity (ROE) | -80.2508% | 7,964 |
| Retained earnings to average equity (ytd only) | -80.2508% | 7,962 |
| Net charge-offs to loans | 0.7400% | 2,514 |
| Credit loss provision to net charge-offs | 140.1869% | 3,512 |
| Earnings coverage of net charge-offs (x) | -2.9392% | 6,802 |
| Efficiency ratio | 152.8657% | 302 |
| Assets per employee ($millions) | 3.9403% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4701% | 1,094 |
| Loan loss allowance to noncurrent loans | 54.7104% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 12.5965% | 200 |
| Noncurrent loans to loans | 4.5150% | 1,548 |
| Net loans and leases to total assets | 78.0767% | 1,555 |
| Net loans and leases to deposits | 92.3988% | 2,169 |
| Net loans and leases to core deposits | 127.5772% | 1,614 |
| Total domestic deposits to total assets | 84.4997% | 3,478 |
| Equity capital to assets | 3.8153% | 8,005 |
| Core capital (leverage) ratio | 3.6153% | 8,002 |
| Tier 1 risk-based capital ratio | 5.7329% | 7,962 |
| Total risk-based capital ratio | 7.0048% | 7,968 |
| Memoranda: | ||
| Average total assets | $51,610,000 | 6,700 |
| Average earning assets | $44,766,750 | 6,782 |
| Average equity | $2,902,500 | 7,690 |
| Average total loans | $38,557,000 | 6,223 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2410% | 1,355 |
| Cost of funding earning assets | 3.8279% | 36 |
| Net interest margin | 2.4131% | 7,559 |
| Noninterest income to average assets | 0.9500% | 1,760 |
| Noninterest expense to average assets | 4.6482% | 668 |
| Loan and lease loss provision to assets | 1.1310% | 1,518 |
| Net operating income to assets | -2.5937% | 7,589 |
| Return on assets (ROA) | -2.5937% | 7,580 |
| Pretax return on assets | -2.7332% | 7,481 |
| Return on Equity (ROE) | -42.0966% | 7,862 |
| Retained earnings to average equity (ytd only) | -42.0966% | 7,849 |
| Net charge-offs to loans | 0.7012% | 2,300 |
| Credit loss provision to net charge-offs | 220.5882% | 2,085 |
| Earnings coverage of net charge-offs (x) | -3.1250% | 6,409 |
| Efficiency ratio | 151.7327% | 361 |
| Assets per employee ($millions) | 4.1784% | 3,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6699% | 769 |
| Loan loss allowance to noncurrent loans | 77.6245% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 9.9394% | 298 |
| Noncurrent loans to loans | 3.4395% | 2,046 |
| Net loans and leases to total assets | 67.9854% | 4,152 |
| Net loans and leases to deposits | 80.2177% | 4,513 |
| Net loans and leases to core deposits | 105.4572% | 3,906 |
| Total domestic deposits to total assets | 84.7512% | 3,378 |
| Equity capital to assets | 5.2707% | 8,023 |
| Core capital (leverage) ratio | 5.1837% | 8,008 |
| Tier 1 risk-based capital ratio | 8.5588% | 7,835 |
| Total risk-based capital ratio | 9.8308% | 7,868 |
| Memoranda: | ||
| Average total assets | $53,052,330 | 6,697 |
| Average earning assets | $46,082,670 | 6,799 |
| Average equity | $3,268,670 | 7,642 |
| Average total loans | $38,792,000 | 6,258 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6438% | 644 |
| Cost of funding earning assets | 3.8002% | 63 |
| Net interest margin | 2.8436% | 6,892 |
| Noninterest income to average assets | 0.7783% | 2,437 |
| Noninterest expense to average assets | 4.7540% | 572 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.2209% | 7,374 |
| Return on assets (ROA) | -1.2209% | 7,392 |
| Pretax return on assets | -1.5033% | 7,362 |
| Return on Equity (ROE) | -18.4358% | 7,722 |
| Retained earnings to average equity (ytd only) | -18.4358% | 7,602 |
| Net charge-offs to loans | 1.1220% | 1,219 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -1.7909% | 5,460 |
| Efficiency ratio | 145.7746% | 380 |
| Assets per employee ($millions) | 4.2370% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8891% | 1,640 |
| Loan loss allowance to noncurrent loans | 66.4568% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 8.9141% | 285 |
| Noncurrent loans to loans | 2.8426% | 2,298 |
| Net loans and leases to total assets | 69.6792% | 3,754 |
| Net loans and leases to deposits | 82.9999% | 4,133 |
| Net loans and leases to core deposits | 109.3260% | 3,524 |
| Total domestic deposits to total assets | 83.9509% | 3,737 |
| Equity capital to assets | 6.1582% | 7,966 |
| Core capital (leverage) ratio | 6.6543% | 7,818 |
| Tier 1 risk-based capital ratio | 9.9938% | 6,931 |
| Total risk-based capital ratio | 11.2545% | 6,822 |
| Memoranda: | ||
| Average total assets | $52,419,000 | 6,765 |
| Average earning assets | $45,576,000 | 6,853 |
| Average equity | $3,471,500 | 7,633 |
| Average total loans | $39,217,000 | 6,266 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2653% | 4,156 |
| Cost of funding earning assets | 4.0560% | 83 |
| Net interest margin | 2.2093% | 7,955 |
| Noninterest income to average assets | 0.7242% | 2,949 |
| Noninterest expense to average assets | 4.8142% | 703 |
| Loan and lease loss provision to assets | 1.5253% | 878 |
| Net operating income to assets | -2.4503% | 7,697 |
| Return on assets (ROA) | -2.4503% | 7,667 |
| Pretax return on assets | -3.6266% | 7,829 |
| Return on Equity (ROE) | -31.6238% | 7,984 |
| Retained earnings to average equity (ytd only) | -31.6238% | 7,940 |
| Net charge-offs to loans | 2.6954% | 348 |
| Credit loss provision to net charge-offs | 73.7081% | 6,015 |
| Earnings coverage of net charge-offs (x) | -1.0154% | 6,595 |
| Efficiency ratio | 176.4869% | 257 |
| Assets per employee ($millions) | 3.3171% | 5,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1595% | 991 |
| Loan loss allowance to noncurrent loans | 52.4722% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 10.2619% | 148 |
| Noncurrent loans to loans | 4.1155% | 1,183 |
| Net loans and leases to total assets | 77.3077% | 2,307 |
| Net loans and leases to deposits | 94.1341% | 2,738 |
| Net loans and leases to core deposits | 123.8601% | 2,337 |
| Total domestic deposits to total assets | 82.1251% | 4,151 |
| Equity capital to assets | 7.1367% | 7,661 |
| Core capital (leverage) ratio | 7.2019% | 7,522 |
| Tier 1 risk-based capital ratio | 10.7189% | 5,984 |
| Total risk-based capital ratio | 11.9851% | 5,881 |
| Memoranda: | ||
| Average total assets | $53,300,200 | 6,647 |
| Average earning assets | $47,978,800 | 6,669 |
| Average equity | $4,129,800 | 7,460 |
| Average total loans | $40,922,200 | 6,122 |