Home > Cherryville Federal Savings and Loan Association > Performance and Condition Ratios
Cherryville Federal Savings and Loan Association, Performance and Condition Ratios
| 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 | 4.8625% | 5,429 |
| Cost of funding earning assets | 2.1535% | 443 |
| Net interest margin | 2.7090% | 7,223 |
| Noninterest income to average assets | 0.1436% | 6,828 |
| Noninterest expense to average assets | 2.4717% | 5,816 |
| Loan and lease loss provision to assets | 0.2003% | 5,050 |
| Net operating income to assets | -0.1471% | 6,244 |
| Return on assets (ROA) | -0.0830% | 6,259 |
| Pretax return on assets | 0.1225% | 5,878 |
| Return on Equity (ROE) | -0.5834% | 6,232 |
| Retained earnings to average equity (ytd only) | -0.5834% | 5,936 |
| Net charge-offs to loans | 0.2709% | 4,322 |
| Credit loss provision to net charge-offs | 125.6198% | 3,258 |
| Earnings coverage of net charge-offs (x) | 1.3967% | 4,688 |
| Efficiency ratio | 91.7359% | 1,148 |
| Assets per employee ($millions) | 8.0182% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 6,856 |
| Loan loss allowance to noncurrent loans | 23.9608% | 6,709 |
| Noncurrent assets plus other real estate owned to assets | 2.9318% | 2,474 |
| Noncurrent loans to loans | 3.6025% | 2,173 |
| Net loans and leases to total assets | 56.5237% | 5,479 |
| Net loans and leases to deposits | 68.7604% | 5,316 |
| Net loans and leases to core deposits | 71.1081% | 5,625 |
| Total domestic deposits to total assets | 82.2038% | 4,912 |
| Equity capital to assets | 13.7764% | 1,246 |
| Core capital (leverage) ratio | 13.6787% | 999 |
| Tier 1 risk-based capital ratio | 27.4101% | 667 |
| Total risk-based capital ratio | 28.3974% | 676 |
| Memoranda: | ||
| Average total assets | $101,198,250 | 5,006 |
| Average earning assets | $95,285,000 | 4,920 |
| Average equity | $14,397,250 | 4,112 |
| Average total loans | $59,544,500 | 5,166 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0053% | 4,919 |
| Cost of funding earning assets | 2.1918% | 481 |
| Net interest margin | 2.8135% | 7,125 |
| Noninterest income to average assets | 0.1278% | 6,955 |
| Noninterest expense to average assets | 1.6549% | 7,533 |
| Loan and lease loss provision to assets | 0.2555% | 4,378 |
| Net operating income to assets | 0.3965% | 4,772 |
| Return on assets (ROA) | 0.4412% | 4,735 |
| Pretax return on assets | 0.9343% | 3,367 |
| Return on Equity (ROE) | 3.0674% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.0674% | 4,149 |
| Net charge-offs to loans | 0.1578% | 4,678 |
| Credit loss provision to net charge-offs | 272.3404% | 1,379 |
| Earnings coverage of net charge-offs (x) | 11.9362% | 1,717 |
| Efficiency ratio | 59.6403% | 6,111 |
| Assets per employee ($millions) | 7.8215% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 6,633 |
| Loan loss allowance to noncurrent loans | 27.2771% | 6,528 |
| Noncurrent assets plus other real estate owned to assets | 3.0085% | 2,368 |
| Noncurrent loans to loans | 3.4426% | 2,307 |
| Net loans and leases to total assets | 58.4103% | 5,352 |
| Net loans and leases to deposits | 71.4805% | 5,078 |
| Net loans and leases to core deposits | 73.4810% | 5,499 |
| Total domestic deposits to total assets | 81.7150% | 5,107 |
| Equity capital to assets | 14.4169% | 1,035 |
| Core capital (leverage) ratio | 14.3048% | 854 |
| Tier 1 risk-based capital ratio | 27.9395% | 633 |
| Total risk-based capital ratio | 29.0223% | 630 |
| Memoranda: | ||
| Average total assets | $100,185,670 | 5,072 |
| Average earning assets | $94,260,670 | 4,981 |
| Average equity | $14,409,670 | 4,112 |
| Average total loans | $59,582,330 | 5,198 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1737% | 4,173 |
| Cost of funding earning assets | 2.2112% | 569 |
| Net interest margin | 2.9625% | 6,913 |
| Noninterest income to average assets | 0.2172% | 6,407 |
| Noninterest expense to average assets | 1.6171% | 7,643 |
| Loan and lease loss provision to assets | 0.3701% | 3,148 |
| Net operating income to assets | 0.5331% | 4,218 |
| Return on assets (ROA) | 0.5511% | 4,268 |
| Pretax return on assets | 1.0499% | 2,904 |
| Return on Equity (ROE) | 3.8362% | 4,965 |
| Retained earnings to average equity (ytd only) | 3.8362% | 3,837 |
| Net charge-offs to loans | 0.1347% | 4,140 |
| Credit loss provision to net charge-offs | 460.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 17.3000% | 1,291 |
| Efficiency ratio | 53.7433% | 6,995 |
| Assets per employee ($millions) | 7.7458% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 6,725 |
| Loan loss allowance to noncurrent loans | 42.1935% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 1.5015% | 4,253 |
| Noncurrent loans to loans | 2.2151% | 3,509 |
| Net loans and leases to total assets | 58.3151% | 5,381 |
| Net loans and leases to deposits | 71.4185% | 5,135 |
| Net loans and leases to core deposits | 72.9517% | 5,613 |
| Total domestic deposits to total assets | 81.6527% | 5,216 |
| Equity capital to assets | 14.3571% | 1,049 |
| Core capital (leverage) ratio | 14.3443% | 887 |
| Tier 1 risk-based capital ratio | 28.4577% | 605 |
| Total risk-based capital ratio | 29.5494% | 605 |
| Memoranda: | ||
| Average total assets | $99,439,000 | 5,164 |
| Average earning assets | $93,704,500 | 5,061 |
| Average equity | $14,285,000 | 4,168 |
| Average total loans | $59,396,500 | 5,276 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5695% | 3,756 |
| Cost of funding earning assets | 2.6014% | 773 |
| Net interest margin | 2.9680% | 6,719 |
| Noninterest income to average assets | 0.1712% | 6,855 |
| Noninterest expense to average assets | 1.6850% | 7,710 |
| Loan and lease loss provision to assets | 0.1177% | 6,467 |
| Net operating income to assets | 0.7243% | 2,835 |
| Return on assets (ROA) | 0.7681% | 2,738 |
| Pretax return on assets | 1.2260% | 1,886 |
| Return on Equity (ROE) | 5.1371% | 3,610 |
| Retained earnings to average equity (ytd only) | 5.1371% | 1,746 |
| Net charge-offs to loans | 0.0827% | 6,283 |
| Credit loss provision to net charge-offs | 224.4898% | 1,669 |
| Earnings coverage of net charge-offs (x) | 24.3265% | 911 |
| Efficiency ratio | 56.9209% | 6,898 |
| Assets per employee ($millions) | 7.5525% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8098% | 7,104 |
| Loan loss allowance to noncurrent loans | 34.6264% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 1.4840% | 4,161 |
| Noncurrent loans to loans | 2.3388% | 3,249 |
| Net loans and leases to total assets | 60.1291% | 5,316 |
| Net loans and leases to deposits | 73.8125% | 5,072 |
| Net loans and leases to core deposits | 103.4032% | 3,638 |
| Total domestic deposits to total assets | 81.4620% | 5,170 |
| Equity capital to assets | 14.3743% | 1,055 |
| Core capital (leverage) ratio | 14.5414% | 872 |
| Tier 1 risk-based capital ratio | 28.2150% | 625 |
| Total risk-based capital ratio | 29.1657% | 633 |
| Memoranda: | ||
| Average total assets | $93,473,400 | 5,286 |
| Average earning assets | $87,836,000 | 5,203 |
| Average equity | $13,976,800 | 4,258 |
| Average total loans | $59,215,000 | 5,288 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6379% | 3,649 |
| Cost of funding earning assets | 2.6503% | 909 |
| Net interest margin | 2.9876% | 6,637 |
| Noninterest income to average assets | 0.1748% | 6,965 |
| Noninterest expense to average assets | 1.6223% | 7,811 |
| Loan and lease loss provision to assets | 0.1127% | 6,242 |
| Net operating income to assets | 0.7954% | 2,835 |
| Return on assets (ROA) | 0.8509% | 2,681 |
| Pretax return on assets | 1.3290% | 1,880 |
| Return on Equity (ROE) | 5.6324% | 3,677 |
| Retained earnings to average equity (ytd only) | 5.6324% | 2,137 |
| Net charge-offs to loans | 0.1105% | 5,576 |
| Credit loss provision to net charge-offs | 159.1837% | 2,981 |
| Earnings coverage of net charge-offs (x) | 19.1434% | 1,309 |
| Efficiency ratio | 54.4881% | 7,180 |
| Assets per employee ($millions) | 7.3855% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7544% | 7,249 |
| Loan loss allowance to noncurrent loans | 56.9075% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 1.0863% | 4,908 |
| Noncurrent loans to loans | 1.3257% | 4,719 |
| Net loans and leases to total assets | 61.5194% | 5,321 |
| Net loans and leases to deposits | 76.2604% | 4,995 |
| Net loans and leases to core deposits | 113.2140% | 2,914 |
| Total domestic deposits to total assets | 80.6701% | 5,197 |
| Equity capital to assets | 14.8304% | 1,058 |
| Core capital (leverage) ratio | 14.7745% | 902 |
| Tier 1 risk-based capital ratio | 28.2610% | 672 |
| Total risk-based capital ratio | 29.1561% | 676 |
| Memoranda: | ||
| Average total assets | $92,296,250 | 5,355 |
| Average earning assets | $86,579,250 | 5,286 |
| Average equity | $13,942,750 | 4,308 |
| Average total loans | $59,139,250 | 5,328 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6583% | 3,778 |
| Cost of funding earning assets | 2.6860% | 1,067 |
| Net interest margin | 2.9724% | 6,628 |
| Noninterest income to average assets | 0.1823% | 6,990 |
| Noninterest expense to average assets | 1.6341% | 7,890 |
| Loan and lease loss provision to assets | 0.0703% | 6,497 |
| Net operating income to assets | 0.8402% | 2,698 |
| Return on assets (ROA) | 0.9005% | 2,560 |
| Pretax return on assets | 1.3486% | 1,878 |
| Return on Equity (ROE) | 5.9231% | 3,689 |
| Retained earnings to average equity (ytd only) | 5.9231% | 2,062 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1520% | 7,212 |
| Assets per employee ($millions) | 7.2111% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7546% | 7,290 |
| Loan loss allowance to noncurrent loans | 34.9612% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 1.5297% | 3,930 |
| Noncurrent loans to loans | 2.1583% | 3,299 |
| Net loans and leases to total assets | 63.2766% | 5,125 |
| Net loans and leases to deposits | 78.3324% | 4,811 |
| Net loans and leases to core deposits | 113.0319% | 3,016 |
| Total domestic deposits to total assets | 80.7796% | 5,158 |
| Equity capital to assets | 14.9258% | 1,046 |
| Core capital (leverage) ratio | 14.9303% | 939 |
| Tier 1 risk-based capital ratio | 28.2608% | 698 |
| Total risk-based capital ratio | 29.1714% | 706 |
| Memoranda: | ||
| Average total assets | $91,057,670 | 5,430 |
| Average earning assets | $85,184,000 | 5,372 |
| Average equity | $13,844,000 | 4,341 |
| Average total loans | $59,014,000 | 5,378 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8726% | 2,925 |
| Cost of funding earning assets | 2.7622% | 1,079 |
| Net interest margin | 3.1104% | 6,166 |
| Noninterest income to average assets | 0.1873% | 6,951 |
| Noninterest expense to average assets | 1.7255% | 7,793 |
| Loan and lease loss provision to assets | 0.0936% | 5,757 |
| Net operating income to assets | 0.7722% | 3,247 |
| Return on assets (ROA) | 0.8293% | 3,152 |
| Pretax return on assets | 1.3643% | 2,068 |
| Return on Equity (ROE) | 5.4031% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.4031% | 2,905 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7637% | 7,002 |
| Assets per employee ($millions) | 6.9840% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7441% | 7,328 |
| Loan loss allowance to noncurrent loans | 86.9565% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.7159% | 5,370 |
| Noncurrent loans to loans | 0.8557% | 5,312 |
| Net loans and leases to total assets | 64.6467% | 4,871 |
| Net loans and leases to deposits | 79.6931% | 4,664 |
| Net loans and leases to core deposits | 115.7490% | 2,823 |
| Total domestic deposits to total assets | 81.1195% | 4,915 |
| Equity capital to assets | 15.2513% | 1,027 |
| Core capital (leverage) ratio | 15.1901% | 926 |
| Tier 1 risk-based capital ratio | 28.1001% | 746 |
| Total risk-based capital ratio | 28.9978% | 752 |
| Memoranda: | ||
| Average total assets | $89,714,500 | 5,496 |
| Average earning assets | $83,847,500 | 5,432 |
| Average equity | $13,770,000 | 4,385 |
| Average total loans | $58,636,500 | 5,421 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1815% | 4,609 |
| Cost of funding earning assets | 3.2930% | 946 |
| Net interest margin | 2.8885% | 7,173 |
| Noninterest income to average assets | 0.2013% | 7,010 |
| Noninterest expense to average assets | 1.7318% | 7,835 |
| Loan and lease loss provision to assets | 0.0796% | 6,402 |
| Net operating income to assets | 0.7789% | 3,528 |
| Return on assets (ROA) | 0.8437% | 3,080 |
| Pretax return on assets | 1.1982% | 2,647 |
| Return on Equity (ROE) | 5.4390% | 4,189 |
| Retained earnings to average equity (ytd only) | 5.4390% | 1,790 |
| Net charge-offs to loans | 0.1574% | 4,628 |
| Credit loss provision to net charge-offs | 79.0698% | 5,920 |
| Earnings coverage of net charge-offs (x) | 11.7791% | 2,333 |
| Efficiency ratio | 59.3662% | 6,461 |
| Assets per employee ($millions) | 6.8182% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 7,375 |
| Loan loss allowance to noncurrent loans | 83.9357% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 0.7220% | 5,062 |
| Noncurrent loans to loans | 0.8566% | 4,908 |
| Net loans and leases to total assets | 65.1207% | 5,028 |
| Net loans and leases to deposits | 80.8474% | 4,898 |
| Net loans and leases to core deposits | 109.8297% | 3,793 |
| Total domestic deposits to total assets | 80.5476% | 4,822 |
| Equity capital to assets | 15.4484% | 1,062 |
| Core capital (leverage) ratio | 15.3590% | 952 |
| Tier 1 risk-based capital ratio | 27.9775% | 762 |
| Total risk-based capital ratio | 28.8382% | 767 |
| Memoranda: | ||
| Average total assets | $85,461,800 | 5,499 |
| Average earning assets | $80,352,200 | 5,422 |
| Average equity | $13,256,200 | 4,507 |
| Average total loans | $54,642,200 | 5,505 |