Home > Dryades Savings Bank, F.S.B. > Performance and Condition Ratios
Dryades Savings Bank, F.S.B., 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 | 6.2429% | 564 |
| Cost of funding earning assets | 1.6293% | 2,222 |
| Net interest margin | 4.6136% | 1,013 |
| Noninterest income to average assets | 1.7920% | 456 |
| Noninterest expense to average assets | 6.1082% | 214 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.2252% | 6,351 |
| Return on assets (ROA) | -0.2252% | 6,407 |
| Pretax return on assets | -0.3937% | 6,486 |
| Return on Equity (ROE) | -2.6061% | 6,461 |
| Retained earnings to average equity (ytd only) | -2.6061% | 6,301 |
| Net charge-offs to loans | -0.0534% | 7,480 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3794% | 594 |
| Assets per employee ($millions) | 2.3989% | 7,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8797% | 931 |
| Loan loss allowance to noncurrent loans | 838.7755% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 6,765 |
| Noncurrent loans to loans | 0.3433% | 6,510 |
| Net loans and leases to total assets | 67.9781% | 3,222 |
| Net loans and leases to deposits | 75.6340% | 4,239 |
| Net loans and leases to core deposits | 93.3716% | 2,611 |
| Total domestic deposits to total assets | 89.8778% | 940 |
| Equity capital to assets | 8.7282% | 5,970 |
| Core capital (leverage) ratio | 8.5084% | 5,491 |
| Tier 1 risk-based capital ratio | 11.7257% | 5,709 |
| Total risk-based capital ratio | 12.9944% | 5,662 |
| Memoranda: | ||
| Average total assets | $82,291,500 | 5,584 |
| Average earning assets | $69,966,000 | 5,736 |
| Average equity | $7,111,500 | 6,070 |
| Average total loans | $59,968,250 | 5,147 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2233% | 594 |
| Cost of funding earning assets | 1.6237% | 2,521 |
| Net interest margin | 4.5996% | 996 |
| Noninterest income to average assets | 1.6623% | 464 |
| Noninterest expense to average assets | 6.0508% | 219 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.2859% | 6,459 |
| Return on assets (ROA) | -0.2859% | 6,507 |
| Pretax return on assets | -0.4895% | 6,578 |
| Return on Equity (ROE) | -3.3197% | 6,547 |
| Retained earnings to average equity (ytd only) | -3.3197% | 6,342 |
| Net charge-offs to loans | -0.1576% | 7,614 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.2789% | 581 |
| Assets per employee ($millions) | 2.3550% | 7,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6940% | 1,098 |
| Loan loss allowance to noncurrent loans | 675.3036% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 6,657 |
| Noncurrent loans to loans | 0.3989% | 6,443 |
| Net loans and leases to total assets | 73.0931% | 2,143 |
| Net loans and leases to deposits | 81.0131% | 3,429 |
| Net loans and leases to core deposits | 99.6147% | 2,061 |
| Total domestic deposits to total assets | 90.2238% | 813 |
| Equity capital to assets | 8.5981% | 6,019 |
| Core capital (leverage) ratio | 8.3925% | 5,592 |
| Tier 1 risk-based capital ratio | 10.9791% | 6,254 |
| Total risk-based capital ratio | 12.2453% | 6,224 |
| Memoranda: | ||
| Average total assets | $82,534,330 | 5,607 |
| Average earning assets | $69,962,670 | 5,774 |
| Average equity | $7,109,000 | 6,107 |
| Average total loans | $60,928,000 | 5,138 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2096% | 632 |
| Cost of funding earning assets | 1.6116% | 2,887 |
| Net interest margin | 4.5980% | 955 |
| Noninterest income to average assets | 1.7436% | 424 |
| Noninterest expense to average assets | 6.0638% | 218 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.2712% | 6,630 |
| Return on assets (ROA) | -0.2712% | 6,689 |
| Pretax return on assets | -0.4650% | 6,756 |
| Return on Equity (ROE) | -3.1461% | 6,750 |
| Retained earnings to average equity (ytd only) | -3.1461% | 6,380 |
| Net charge-offs to loans | -0.1059% | 7,525 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7855% | 643 |
| Assets per employee ($millions) | 2.5003% | 7,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7296% | 1,057 |
| Loan loss allowance to noncurrent loans | 720.7048% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 6,790 |
| Noncurrent loans to loans | 0.3787% | 6,528 |
| Net loans and leases to total assets | 70.6581% | 2,767 |
| Net loans and leases to deposits | 79.0841% | 3,823 |
| Net loans and leases to core deposits | 96.9082% | 2,470 |
| Total domestic deposits to total assets | 89.3455% | 1,332 |
| Equity capital to assets | 8.5917% | 5,880 |
| Core capital (leverage) ratio | 8.4341% | 5,490 |
| Tier 1 risk-based capital ratio | 11.3330% | 5,824 |
| Total risk-based capital ratio | 12.5924% | 5,791 |
| Memoranda: | ||
| Average total assets | $82,589,000 | 5,677 |
| Average earning assets | $69,247,500 | 5,870 |
| Average equity | $7,120,000 | 6,149 |
| Average total loans | $60,434,500 | 5,230 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3472% | 165 |
| Cost of funding earning assets | 1.6014% | 5,015 |
| Net interest margin | 5.7459% | 141 |
| Noninterest income to average assets | 1.5173% | 624 |
| Noninterest expense to average assets | 6.3432% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0255% | 5,411 |
| Return on assets (ROA) | 0.2459% | 4,815 |
| Pretax return on assets | 0.2217% | 4,956 |
| Return on Equity (ROE) | 2.7565% | 4,606 |
| Retained earnings to average equity (ytd only) | 2.7565% | 3,230 |
| Net charge-offs to loans | -0.4414% | 7,942 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6386% | 1,121 |
| Assets per employee ($millions) | 2.6667% | 6,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6587% | 1,061 |
| Loan loss allowance to noncurrent loans | 635.2941% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.3085% | 6,667 |
| Noncurrent loans to loans | 0.4185% | 6,438 |
| Net loans and leases to total assets | 71.7484% | 2,826 |
| Net loans and leases to deposits | 84.0223% | 3,267 |
| Net loans and leases to core deposits | 125.4319% | 1,557 |
| Total domestic deposits to total assets | 85.3922% | 3,364 |
| Equity capital to assets | 8.6503% | 5,663 |
| Core capital (leverage) ratio | 8.3865% | 5,465 |
| Tier 1 risk-based capital ratio | 11.2805% | 5,630 |
| Total risk-based capital ratio | 12.5483% | 5,566 |
| Memoranda: | ||
| Average total assets | $78,493,600 | 5,771 |
| Average earning assets | $65,943,200 | 5,933 |
| Average equity | $7,001,600 | 6,268 |
| Average total loans | $53,915,000 | 5,509 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4897% | 148 |
| Cost of funding earning assets | 1.6014% | 5,396 |
| Net interest margin | 5.8883% | 123 |
| Noninterest income to average assets | 1.3565% | 823 |
| Noninterest expense to average assets | 6.2404% | 284 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.0654% | 5,566 |
| Return on assets (ROA) | 0.0654% | 5,606 |
| Pretax return on assets | 0.0723% | 5,580 |
| Return on Equity (ROE) | 0.7276% | 5,572 |
| Retained earnings to average equity (ytd only) | 0.7276% | 4,882 |
| Net charge-offs to loans | -0.6620% | 8,030 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5547% | 1,136 |
| Assets per employee ($millions) | 2.4107% | 7,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7830% | 805 |
| Loan loss allowance to noncurrent loans | 364.6667% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 6,167 |
| Noncurrent loans to loans | 0.7632% | 5,781 |
| Net loans and leases to total assets | 66.0533% | 4,421 |
| Net loans and leases to deposits | 86.1201% | 3,294 |
| Net loans and leases to core deposits | 110.6404% | 3,169 |
| Total domestic deposits to total assets | 76.6990% | 6,425 |
| Equity capital to assets | 8.1949% | 6,647 |
| Core capital (leverage) ratio | 7.8007% | 6,608 |
| Tier 1 risk-based capital ratio | 11.1595% | 5,800 |
| Total risk-based capital ratio | 12.4276% | 5,724 |
| Memoranda: | ||
| Average total assets | $77,450,000 | 5,833 |
| Average earning assets | $65,190,250 | 5,995 |
| Average equity | $6,964,250 | 6,326 |
| Average total loans | $52,160,500 | 5,631 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7452% | 497 |
| Cost of funding earning assets | 1.6171% | 5,680 |
| Net interest margin | 5.1282% | 341 |
| Noninterest income to average assets | 1.3667% | 818 |
| Noninterest expense to average assets | 6.3548% | 286 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.4332% | 6,480 |
| Return on assets (ROA) | -0.4332% | 6,488 |
| Pretax return on assets | -0.7049% | 6,607 |
| Return on Equity (ROE) | -4.6565% | 6,568 |
| Retained earnings to average equity (ytd only) | -4.6565% | 6,251 |
| Net charge-offs to loans | -0.8418% | 8,122 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.2381% | 790 |
| Assets per employee ($millions) | 2.1511% | 7,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8566% | 644 |
| Loan loss allowance to noncurrent loans | 75.1298% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 2.6624% | 2,412 |
| Noncurrent loans to loans | 3.8022% | 1,801 |
| Net loans and leases to total assets | 68.0215% | 4,148 |
| Net loans and leases to deposits | 84.6729% | 3,766 |
| Net loans and leases to core deposits | 105.1181% | 3,944 |
| Total domestic deposits to total assets | 80.3345% | 5,341 |
| Equity capital to assets | 8.5437% | 5,985 |
| Core capital (leverage) ratio | 8.7842% | 4,965 |
| Tier 1 risk-based capital ratio | 12.7508% | 4,320 |
| Total risk-based capital ratio | 14.0217% | 4,216 |
| Memoranda: | ||
| Average total assets | $74,338,000 | 5,970 |
| Average earning assets | $62,088,330 | 6,142 |
| Average equity | $6,915,000 | 6,400 |
| Average total loans | $49,892,000 | 5,772 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2438% | 241 |
| Cost of funding earning assets | 1.5455% | 6,259 |
| Net interest margin | 5.6983% | 138 |
| Noninterest income to average assets | 1.1881% | 1,026 |
| Noninterest expense to average assets | 6.2138% | 268 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.1729% | 6,512 |
| Return on assets (ROA) | -0.1729% | 6,606 |
| Pretax return on assets | -0.2956% | 6,671 |
| Return on Equity (ROE) | -1.7784% | 6,636 |
| Retained earnings to average equity (ytd only) | -1.7784% | 6,055 |
| Net charge-offs to loans | -1.7542% | 8,177 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9953% | 952 |
| Assets per employee ($millions) | 1.9394% | 7,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2831% | 380 |
| Loan loss allowance to noncurrent loans | 78.2652% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 2.7532% | 2,062 |
| Noncurrent loans to loans | 4.1948% | 1,415 |
| Net loans and leases to total assets | 63.4783% | 5,078 |
| Net loans and leases to deposits | 81.8809% | 4,312 |
| Net loans and leases to core deposits | 97.2699% | 4,819 |
| Total domestic deposits to total assets | 77.5252% | 6,139 |
| Equity capital to assets | 9.3709% | 4,843 |
| Core capital (leverage) ratio | 9.6555% | 3,813 |
| Tier 1 risk-based capital ratio | 15.1085% | 3,011 |
| Total risk-based capital ratio | 16.3841% | 2,944 |
| Memoranda: | ||
| Average total assets | $71,711,500 | 6,077 |
| Average earning assets | $59,527,000 | 6,281 |
| Average equity | $6,972,500 | 6,423 |
| Average total loans | $46,972,500 | 5,916 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2380% | 4,311 |
| Cost of funding earning assets | 2.1325% | 5,917 |
| Net interest margin | 4.1055% | 2,684 |
| Noninterest income to average assets | 1.4229% | 707 |
| Noninterest expense to average assets | 5.8175% | 437 |
| Loan and lease loss provision to assets | 0.6630% | 2,186 |
| Net operating income to assets | -1.0370% | 7,266 |
| Return on assets (ROA) | -1.0370% | 7,186 |
| Pretax return on assets | -1.5780% | 7,291 |
| Return on Equity (ROE) | -11.4465% | 7,386 |
| Retained earnings to average equity (ytd only) | -11.4465% | 7,204 |
| Net charge-offs to loans | 0.1179% | 5,085 |
| Credit loss provision to net charge-offs | 980.3922% | 458 |
| Earnings coverage of net charge-offs (x) | -13.5294% | 6,917 |
| Efficiency ratio | 118.6638% | 583 |
| Assets per employee ($millions) | 2.0508% | 7,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0323% | 419 |
| Loan loss allowance to noncurrent loans | 58.3861% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 3.3947% | 1,318 |
| Noncurrent loans to loans | 5.1935% | 822 |
| Net loans and leases to total assets | 63.3815% | 5,387 |
| Net loans and leases to deposits | 85.4634% | 4,186 |
| Net loans and leases to core deposits | 95.0633% | 5,343 |
| Total domestic deposits to total assets | 74.1621% | 6,630 |
| Equity capital to assets | 10.0951% | 3,923 |
| Core capital (leverage) ratio | 10.2642% | 3,203 |
| Tier 1 risk-based capital ratio | 16.1599% | 2,602 |
| Total risk-based capital ratio | 17.4321% | 2,529 |
| Memoranda: | ||
| Average total assets | $75,410,600 | 5,860 |
| Average earning assets | $63,914,600 | 6,021 |
| Average equity | $6,831,800 | 6,514 |
| Average total loans | $43,240,800 | 6,012 |