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Canisteo Savings and Loan Association, Performance and Condition Ratios
| 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 | 5.6684% | 6,870 |
| Cost of funding earning assets | 3.4640% | 576 |
| Net interest margin | 2.2044% | 7,958 |
| Noninterest income to average assets | 0.0150% | 8,049 |
| Noninterest expense to average assets | 2.1772% | 7,026 |
| Loan and lease loss provision to assets | 0.2402% | 4,501 |
| Net operating income to assets | -0.3003% | 6,735 |
| Return on assets (ROA) | -0.3003% | 6,594 |
| Pretax return on assets | -0.3003% | 6,465 |
| Return on Equity (ROE) | -3.5162% | 6,689 |
| Retained earnings to average equity (ytd only) | -3.5162% | 6,234 |
| Net charge-offs to loans | -0.1078% | 8,100 |
| Credit loss provision to net charge-offs | -320.0000% | 7,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8369% | 893 |
| Assets per employee ($millions) | 3.4450% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8148% | 7,045 |
| Loan loss allowance to noncurrent loans | 14.0152% | 7,423 |
| Noncurrent assets plus other real estate owned to assets | 4.2380% | 938 |
| Noncurrent loans to loans | 5.8137% | 644 |
| Net loans and leases to total assets | 65.3701% | 4,974 |
| Net loans and leases to deposits | 71.6285% | 6,098 |
| Net loans and leases to core deposits | 100.3118% | 4,796 |
| Total domestic deposits to total assets | 91.2627% | 260 |
| Equity capital to assets | 8.0697% | 6,747 |
| Core capital (leverage) ratio | 8.0697% | 6,376 |
| Tier 1 risk-based capital ratio | 15.0759% | 3,002 |
| Total risk-based capital ratio | 16.0792% | 3,049 |
| Memoranda: | ||
| Average total assets | $6,659,800 | 8,287 |
| Average earning assets | $6,351,000 | 8,273 |
| Average equity | $568,800 | 8,299 |
| Average total loans | $4,636,200 | 8,176 |