Home > Croydon Savings Bank > Performance and Condition Ratios
Croydon 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 | 5.7211% | 1,683 |
| Cost of funding earning assets | 1.6241% | 2,518 |
| Net interest margin | 4.0971% | 2,569 |
| Noninterest income to average assets | 0.0169% | 7,474 |
| Noninterest expense to average assets | 2.4863% | 5,759 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8457% | 2,749 |
| Return on assets (ROA) | 0.8457% | 2,903 |
| Pretax return on assets | 1.2854% | 2,138 |
| Return on Equity (ROE) | 10.3734% | 1,971 |
| Retained earnings to average equity (ytd only) | 10.3734% | 771 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9193% | 4,994 |
| Assets per employee ($millions) | 5.7870% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2847% | 1,612 |
| Loan loss allowance to noncurrent loans | 16.5837% | 7,085 |
| Noncurrent assets plus other real estate owned to assets | 10.4199% | 370 |
| Noncurrent loans to loans | 13.7766% | 205 |
| Net loans and leases to total assets | 73.9070% | 1,928 |
| Net loans and leases to deposits | 82.3054% | 3,220 |
| Net loans and leases to core deposits | 84.4256% | 4,083 |
| Total domestic deposits to total assets | 89.7961% | 1,023 |
| Equity capital to assets | 8.5709% | 6,061 |
| Core capital (leverage) ratio | 7.8834% | 6,402 |
| Tier 1 risk-based capital ratio | 14.1534% | 3,632 |
| Total risk-based capital ratio | 15.4190% | 3,579 |
| Memoranda: | ||
| Average total assets | $11,825,000 | 7,778 |
| Average earning assets | $10,837,000 | 7,763 |
| Average equity | $964,000 | 7,803 |
| Average total loans | $9,204,000 | 7,584 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2817% | 3,636 |
| Cost of funding earning assets | 1.4109% | 4,110 |
| Net interest margin | 3.8709% | 3,453 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 2.5104% | 5,689 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5355% | 4,205 |
| Return on assets (ROA) | 0.5355% | 4,345 |
| Pretax return on assets | 1.0711% | 2,835 |
| Return on Equity (ROE) | 6.7368% | 3,482 |
| Retained earnings to average equity (ytd only) | 6.7368% | 2,246 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0935% | 4,285 |
| Assets per employee ($millions) | 5.9195% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1279% | 1,892 |
| Loan loss allowance to noncurrent loans | 13.0719% | 7,263 |
| Noncurrent assets plus other real estate owned to assets | 12.9234% | 210 |
| Noncurrent loans to loans | 16.2783% | 142 |
| Net loans and leases to total assets | 77.7008% | 1,206 |
| Net loans and leases to deposits | 86.0927% | 2,571 |
| Net loans and leases to core deposits | 88.2313% | 3,598 |
| Total domestic deposits to total assets | 90.2526% | 856 |
| Equity capital to assets | 8.0919% | 6,553 |
| Core capital (leverage) ratio | 7.3031% | 7,026 |
| Tier 1 risk-based capital ratio | 12.0832% | 5,103 |
| Total risk-based capital ratio | 13.3529% | 5,053 |
| Memoranda: | ||
| Average total assets | $11,950,500 | 7,878 |
| Average earning assets | $11,057,000 | 7,865 |
| Average equity | $950,000 | 7,894 |
| Average total loans | $9,429,000 | 7,673 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9960% | 6,446 |
| Cost of funding earning assets | 3.0206% | 217 |
| Net interest margin | 1.9753% | 7,754 |
| Noninterest income to average assets | 0.0154% | 7,636 |
| Noninterest expense to average assets | 2.4182% | 6,409 |
| Loan and lease loss provision to assets | 2.6638% | 717 |
| Net operating income to assets | -2.2953% | 7,196 |
| Return on assets (ROA) | -2.2953% | 7,197 |
| Pretax return on assets | -3.2242% | 7,351 |
| Return on Equity (ROE) | -29.5163% | 7,398 |
| Retained earnings to average equity (ytd only) | -29.5163% | 7,379 |
| Net charge-offs to loans | 1.6423% | 1,542 |
| Credit loss provision to net charge-offs | 198.2857% | 1,982 |
| Earnings coverage of net charge-offs (x) | -0.4171% | 6,644 |
| Efficiency ratio | 130.1653% | 476 |
| Assets per employee ($millions) | 6.0310% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1144% | 1,801 |
| Loan loss allowance to noncurrent loans | 13.0548% | 7,308 |
| Noncurrent assets plus other real estate owned to assets | 12.7010% | 219 |
| Noncurrent loans to loans | 16.1962% | 136 |
| Net loans and leases to total assets | 76.7617% | 1,635 |
| Net loans and leases to deposits | 84.3184% | 3,203 |
| Net loans and leases to core deposits | 107.7881% | 3,124 |
| Total domestic deposits to total assets | 91.0380% | 522 |
| Equity capital to assets | 7.8097% | 6,756 |
| Core capital (leverage) ratio | 6.8932% | 7,317 |
| Tier 1 risk-based capital ratio | 12.2251% | 4,747 |
| Total risk-based capital ratio | 13.4961% | 4,686 |
| Memoranda: | ||
| Average total assets | $13,026,400 | 7,935 |
| Average earning assets | $12,149,800 | 7,911 |
| Average equity | $1,013,000 | 7,977 |
| Average total loans | $10,655,600 | 7,670 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1333% | 6,160 |
| Cost of funding earning assets | 3.3076% | 135 |
| Net interest margin | 1.8256% | 7,878 |
| Noninterest income to average assets | 0.0100% | 7,804 |
| Noninterest expense to average assets | 2.4320% | 6,305 |
| Loan and lease loss provision to assets | 3.8187% | 325 |
| Net operating income to assets | -3.2359% | 7,638 |
| Return on assets (ROA) | -3.2359% | 7,640 |
| Pretax return on assets | -4.5323% | 7,759 |
| Return on Equity (ROE) | -41.6512% | 7,769 |
| Retained earnings to average equity (ytd only) | -41.6512% | 7,765 |
| Net charge-offs to loans | 2.1299% | 907 |
| Credit loss provision to net charge-offs | 217.1429% | 2,024 |
| Earnings coverage of net charge-offs (x) | -0.4057% | 6,432 |
| Efficiency ratio | 141.5205% | 366 |
| Assets per employee ($millions) | 6.4730% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3858% | 1,188 |
| Loan loss allowance to noncurrent loans | 15.1495% | 7,326 |
| Noncurrent assets plus other real estate owned to assets | 11.8801% | 231 |
| Noncurrent loans to loans | 15.7485% | 128 |
| Net loans and leases to total assets | 73.6366% | 2,634 |
| Net loans and leases to deposits | 79.9078% | 4,404 |
| Net loans and leases to core deposits | 105.8282% | 3,717 |
| Total domestic deposits to total assets | 92.1520% | 155 |
| Equity capital to assets | 7.0987% | 7,549 |
| Core capital (leverage) ratio | 6.4277% | 7,694 |
| Tier 1 risk-based capital ratio | 11.4870% | 5,439 |
| Total risk-based capital ratio | 12.7571% | 5,372 |
| Memoranda: | ||
| Average total assets | $13,267,500 | 8,010 |
| Average earning assets | $12,415,500 | 7,987 |
| Average equity | $1,030,750 | 8,060 |
| Average total loans | $10,954,750 | 7,736 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3439% | 5,426 |
| Cost of funding earning assets | 3.3279% | 188 |
| Net interest margin | 2.0159% | 7,858 |
| Noninterest income to average assets | 0.0150% | 7,895 |
| Noninterest expense to average assets | 2.2580% | 6,897 |
| Loan and lease loss provision to assets | 5.2936% | 179 |
| Net operating income to assets | -3.8879% | 7,814 |
| Return on assets (ROA) | -3.8879% | 7,809 |
| Pretax return on assets | -5.6525% | 7,932 |
| Return on Equity (ROE) | -48.6891% | 7,905 |
| Retained earnings to average equity (ytd only) | -48.6891% | 7,899 |
| Net charge-offs to loans | 2.5548% | 671 |
| Credit loss provision to net charge-offs | 244.1379% | 1,903 |
| Earnings coverage of net charge-offs (x) | -0.1655% | 5,858 |
| Efficiency ratio | 118.8976% | 683 |
| Assets per employee ($millions) | 6.5575% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1549% | 1,307 |
| Loan loss allowance to noncurrent loans | 17.2113% | 7,268 |
| Noncurrent assets plus other real estate owned to assets | 10.4994% | 253 |
| Noncurrent loans to loans | 12.5205% | 200 |
| Net loans and leases to total assets | 82.0511% | 949 |
| Net loans and leases to deposits | 89.1549% | 2,964 |
| Net loans and leases to core deposits | 118.6831% | 2,486 |
| Total domestic deposits to total assets | 92.0320% | 204 |
| Equity capital to assets | 7.4800% | 7,286 |
| Core capital (leverage) ratio | 6.9723% | 7,557 |
| Tier 1 risk-based capital ratio | 11.8466% | 5,052 |
| Total risk-based capital ratio | 13.1206% | 4,937 |
| Memoranda: | ||
| Average total assets | $13,374,670 | 8,098 |
| Average earning assets | $12,500,330 | 8,075 |
| Average equity | $1,068,000 | 8,149 |
| Average total loans | $11,351,000 | 7,791 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7465% | 7,443 |
| Cost of funding earning assets | 3.3767% | 214 |
| Net interest margin | 1.3698% | 8,092 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 2.2215% | 6,799 |
| Loan and lease loss provision to assets | 10.0707% | 43 |
| Net operating income to assets | -7.6715% | 8,138 |
| Return on assets (ROA) | -7.6715% | 8,126 |
| Pretax return on assets | -11.0185% | 8,166 |
| Return on Equity (ROE) | -93.2074% | 8,146 |
| Retained earnings to average equity (ytd only) | -93.2074% | 8,141 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 174.4186% | 265 |
| Assets per employee ($millions) | 6.4585% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1784% | 413 |
| Loan loss allowance to noncurrent loans | 24.5007% | 6,939 |
| Noncurrent assets plus other real estate owned to assets | 11.6281% | 158 |
| Noncurrent loans to loans | 12.9729% | 149 |
| Net loans and leases to total assets | 86.7849% | 357 |
| Net loans and leases to deposits | 96.7297% | 1,833 |
| Net loans and leases to core deposits | 128.7470% | 1,731 |
| Total domestic deposits to total assets | 89.7190% | 923 |
| Equity capital to assets | 7.6024% | 7,259 |
| Core capital (leverage) ratio | 7.2746% | 7,402 |
| Tier 1 risk-based capital ratio | 12.3460% | 4,663 |
| Total risk-based capital ratio | 13.6409% | 4,549 |
| Memoranda: | ||
| Average total assets | $13,504,500 | 8,151 |
| Average earning assets | $12,556,500 | 8,125 |
| Average equity | $1,111,500 | 8,196 |
| Average total loans | $11,527,500 | 7,829 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6053% | 2,463 |
| Cost of funding earning assets | 3.3458% | 818 |
| Net interest margin | 3.2595% | 6,180 |
| Noninterest income to average assets | 0.0324% | 7,972 |
| Noninterest expense to average assets | 2.1535% | 7,106 |
| Loan and lease loss provision to assets | 0.0971% | 6,143 |
| Net operating income to assets | 0.5910% | 4,343 |
| Return on assets (ROA) | 0.5910% | 4,210 |
| Pretax return on assets | 0.8420% | 3,924 |
| Return on Equity (ROE) | 6.0591% | 3,916 |
| Retained earnings to average equity (ytd only) | 6.0591% | 1,503 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6335% | 4,423 |
| Assets per employee ($millions) | 7.0460% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2440% | 8,130 |
| Loan loss allowance to noncurrent loans | 10.4478% | 7,500 |
| Noncurrent assets plus other real estate owned to assets | 1.9018% | 2,584 |
| Noncurrent loans to loans | 2.3351% | 2,365 |
| Net loans and leases to total assets | 81.2447% | 1,375 |
| Net loans and leases to deposits | 92.8398% | 2,987 |
| Net loans and leases to core deposits | 120.6682% | 2,625 |
| Total domestic deposits to total assets | 87.5106% | 1,701 |
| Equity capital to assets | 8.8064% | 5,643 |
| Core capital (leverage) ratio | 8.8687% | 4,937 |
| Tier 1 risk-based capital ratio | 14.9608% | 3,066 |
| Total risk-based capital ratio | 15.2984% | 3,444 |
| Memoranda: | ||
| Average total assets | $12,352,200 | 8,214 |
| Average earning assets | $11,596,800 | 8,194 |
| Average equity | $1,204,800 | 8,249 |
| Average total loans | $10,083,200 | 7,935 |