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Crosby State Bank, Performance and Condition Ratios
| 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 | 4.8667% | 6,965 |
| Cost of funding earning assets | 1.6761% | 5,028 |
| Net interest margin | 3.1907% | 6,055 |
| Noninterest income to average assets | 1.5805% | 589 |
| Noninterest expense to average assets | 3.7019% | 1,815 |
| Loan and lease loss provision to assets | 0.2062% | 5,337 |
| Net operating income to assets | 0.4886% | 4,033 |
| Return on assets (ROA) | 0.4886% | 4,128 |
| Pretax return on assets | 0.2508% | 5,187 |
| Return on Equity (ROE) | 2.6956% | 4,918 |
| Retained earnings to average equity (ytd only) | 2.6956% | 3,821 |
| Net charge-offs to loans | 0.0825% | 5,858 |
| Credit loss provision to net charge-offs | 462.3288% | 846 |
| Earnings coverage of net charge-offs (x) | 10.2467% | 1,985 |
| Efficiency ratio | 83.3456% | 2,378 |
| Assets per employee ($millions) | 3.8830% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 4,766 |
| Loan loss allowance to noncurrent loans | 81.3972% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.9488% | 5,166 |
| Noncurrent loans to loans | 1.5467% | 4,325 |
| Net loans and leases to total assets | 55.6075% | 6,183 |
| Net loans and leases to deposits | 69.8288% | 5,937 |
| Net loans and leases to core deposits | 91.5869% | 5,271 |
| Total domestic deposits to total assets | 79.6341% | 5,585 |
| Equity capital to assets | 18.3316% | 483 |
| Core capital (leverage) ratio | 7.7925% | 6,615 |
| Tier 1 risk-based capital ratio | 11.6812% | 5,259 |
| Total risk-based capital ratio | 12.8785% | 5,245 |
| Memoranda: | ||
| Average total assets | $436,379,750 | 1,597 |
| Average earning assets | $352,644,250 | 1,787 |
| Average equity | $79,090,500 | 831 |
| Average total loans | $235,973,000 | 2,011 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 7,034 |
| Cost of funding earning assets | 1.7029% | 5,259 |
| Net interest margin | 3.1941% | 5,937 |
| Noninterest income to average assets | 0.6047% | 3,649 |
| Noninterest expense to average assets | 2.7673% | 5,102 |
| Loan and lease loss provision to assets | 0.1492% | 5,580 |
| Net operating income to assets | 0.2158% | 5,202 |
| Return on assets (ROA) | 0.2158% | 5,286 |
| Pretax return on assets | 0.2521% | 5,320 |
| Return on Equity (ROE) | 1.1953% | 5,572 |
| Retained earnings to average equity (ytd only) | 1.1953% | 4,678 |
| Net charge-offs to loans | 0.0379% | 5,931 |
| Credit loss provision to net charge-offs | 738.6364% | 641 |
| Earnings coverage of net charge-offs (x) | 19.8636% | 1,338 |
| Efficiency ratio | 79.7421% | 3,088 |
| Assets per employee ($millions) | 4.0077% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 4,998 |
| Loan loss allowance to noncurrent loans | 590.3093% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 7,292 |
| Noncurrent loans to loans | 0.2021% | 7,008 |
| Net loans and leases to total assets | 54.2900% | 6,411 |
| Net loans and leases to deposits | 68.2800% | 6,157 |
| Net loans and leases to core deposits | 90.1318% | 5,523 |
| Total domestic deposits to total assets | 79.5109% | 5,640 |
| Equity capital to assets | 18.0743% | 542 |
| Core capital (leverage) ratio | 7.4939% | 7,026 |
| Tier 1 risk-based capital ratio | 11.3674% | 5,539 |
| Total risk-based capital ratio | 12.4795% | 5,576 |
| Memoranda: | ||
| Average total assets | $435,580,670 | 1,624 |
| Average earning assets | $349,644,000 | 1,822 |
| Average equity | $78,642,330 | 845 |
| Average total loans | $232,262,670 | 2,065 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8369% | 7,313 |
| Cost of funding earning assets | 1.7101% | 5,560 |
| Net interest margin | 3.1268% | 6,116 |
| Noninterest income to average assets | 0.5555% | 3,874 |
| Noninterest expense to average assets | 2.6072% | 5,424 |
| Loan and lease loss provision to assets | 0.0920% | 5,780 |
| Net operating income to assets | 0.2777% | 5,375 |
| Return on assets (ROA) | 0.2777% | 5,545 |
| Pretax return on assets | 0.3449% | 5,547 |
| Return on Equity (ROE) | 1.5391% | 5,946 |
| Retained earnings to average equity (ytd only) | 1.5391% | 4,988 |
| Net charge-offs to loans | 0.0158% | 5,357 |
| Credit loss provision to net charge-offs | 1,111.1111% | 569 |
| Earnings coverage of net charge-offs (x) | 52.7778% | 690 |
| Efficiency ratio | 77.6133% | 3,233 |
| Assets per employee ($millions) | 4.3947% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 5,082 |
| Loan loss allowance to noncurrent loans | 5,568.7500% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 7,542 |
| Noncurrent loans to loans | 0.0208% | 7,495 |
| Net loans and leases to total assets | 52.0151% | 6,679 |
| Net loans and leases to deposits | 65.3382% | 6,436 |
| Net loans and leases to core deposits | 85.8385% | 5,917 |
| Total domestic deposits to total assets | 79.6090% | 5,501 |
| Equity capital to assets | 17.9458% | 609 |
| Core capital (leverage) ratio | 7.2714% | 7,406 |
| Tier 1 risk-based capital ratio | 10.3315% | 6,563 |
| Total risk-based capital ratio | 11.3290% | 6,748 |
| Memoranda: | ||
| Average total assets | $434,950,500 | 1,639 |
| Average earning assets | $346,171,000 | 1,850 |
| Average equity | $78,485,500 | 837 |
| Average total loans | $228,382,000 | 2,114 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2245% | 8,294 |
| Cost of funding earning assets | 0.0789% | 8,266 |
| Net interest margin | 0.1456% | 8,290 |
| Noninterest income to average assets | 0.0276% | 7,994 |
| Noninterest expense to average assets | 0.1345% | 8,289 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0225% | 6,307 |
| Return on assets (ROA) | 0.0225% | 6,161 |
| Pretax return on assets | 0.0225% | 6,111 |
| Return on Equity (ROE) | 0.2245% | 6,155 |
| Retained earnings to average equity (ytd only) | 0.2245% | 5,093 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6897% | 1,889 |
| Assets per employee ($millions) | 4.3043% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 4,959 |
| Loan loss allowance to noncurrent loans | 5,164.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 7,481 |
| Noncurrent loans to loans | 0.0222% | 7,429 |
| Net loans and leases to total assets | 51.7895% | 6,860 |
| Net loans and leases to deposits | 64.3935% | 6,761 |
| Net loans and leases to core deposits | 83.6244% | 6,331 |
| Total domestic deposits to total assets | 80.4266% | 4,859 |
| Equity capital to assets | 18.1457% | 630 |
| Core capital (leverage) ratio | 8.9743% | 4,779 |
| Tier 1 risk-based capital ratio | 11.1785% | 5,560 |
| Total risk-based capital ratio | 12.1875% | 5,698 |
| Memoranda: | ||
| Average total assets | $369,380,000 | 1,819 |
| Average earning assets | $328,339,600 | 1,862 |
| Average equity | $36,964,600 | 1,836 |
| Average total loans | $195,497,200 | 2,345 |