Home > Earthstar Bank > Performance and Condition Ratios
Earthstar Bank, 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 | 4.6494% | 6,192 |
| Cost of funding earning assets | 1.6003% | 2,384 |
| Net interest margin | 3.0491% | 6,734 |
| Noninterest income to average assets | 0.2343% | 6,206 |
| Noninterest expense to average assets | 3.9923% | 1,054 |
| Loan and lease loss provision to assets | 0.7491% | 2,045 |
| Net operating income to assets | -1.5365% | 7,116 |
| Return on assets (ROA) | -1.5365% | 7,127 |
| Pretax return on assets | -1.7168% | 7,112 |
| Return on Equity (ROE) | -63.0207% | 7,612 |
| Retained earnings to average equity (ytd only) | -63.0207% | 7,611 |
| Net charge-offs to loans | 1.2973% | 1,572 |
| Credit loss provision to net charge-offs | 83.0212% | 5,038 |
| Earnings coverage of net charge-offs (x) | -1.0724% | 6,452 |
| Efficiency ratio | 131.9926% | 285 |
| Assets per employee ($millions) | 3.7548% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9120% | 891 |
| Loan loss allowance to noncurrent loans | 30.8433% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 8.1736% | 605 |
| Noncurrent loans to loans | 9.4412% | 481 |
| Net loans and leases to total assets | 66.3601% | 3,606 |
| Net loans and leases to deposits | 71.5277% | 4,904 |
| Net loans and leases to core deposits | 74.4188% | 5,245 |
| Total domestic deposits to total assets | 92.7754% | 117 |
| Equity capital to assets | 2.0170% | 7,725 |
| Core capital (leverage) ratio | 1.9065% | 7,720 |
| Tier 1 risk-based capital ratio | 2.8375% | 7,714 |
| Total risk-based capital ratio | 4.0577% | 7,716 |
| Memoranda: | ||
| Average total assets | $118,357,750 | 4,573 |
| Average earning assets | $108,312,500 | 4,561 |
| Average equity | $2,885,750 | 7,402 |
| Average total loans | $82,323,750 | 4,337 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6747% | 6,233 |
| Cost of funding earning assets | 1.6055% | 2,626 |
| Net interest margin | 3.0692% | 6,679 |
| Noninterest income to average assets | 0.2378% | 6,205 |
| Noninterest expense to average assets | 4.3505% | 680 |
| Loan and lease loss provision to assets | 0.1663% | 5,221 |
| Net operating income to assets | -1.2024% | 7,031 |
| Return on assets (ROA) | -1.2024% | 7,048 |
| Pretax return on assets | -1.4685% | 7,068 |
| Return on Equity (ROE) | -46.7911% | 7,592 |
| Retained earnings to average equity (ytd only) | -46.7911% | 7,587 |
| Net charge-offs to loans | -0.1760% | 7,630 |
| Credit loss provision to net charge-offs | -135.1351% | 6,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.7169% | 240 |
| Assets per employee ($millions) | 3.9063% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1483% | 736 |
| Loan loss allowance to noncurrent loans | 26.1824% | 6,601 |
| Noncurrent assets plus other real estate owned to assets | 8.8988% | 507 |
| Noncurrent loans to loans | 12.0244% | 286 |
| Net loans and leases to total assets | 64.8317% | 4,077 |
| Net loans and leases to deposits | 69.7973% | 5,312 |
| Net loans and leases to core deposits | 72.7472% | 5,591 |
| Total domestic deposits to total assets | 92.8858% | 119 |
| Equity capital to assets | 2.3717% | 7,776 |
| Core capital (leverage) ratio | 2.3311% | 7,765 |
| Tier 1 risk-based capital ratio | 3.5550% | 7,758 |
| Total risk-based capital ratio | 4.7892% | 7,761 |
| Memoranda: | ||
| Average total assets | $120,262,670 | 4,560 |
| Average earning assets | $110,124,670 | 4,553 |
| Average equity | $3,090,330 | 7,390 |
| Average total loans | $84,101,000 | 4,320 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 6,400 |
| Cost of funding earning assets | 1.6316% | 2,763 |
| Net interest margin | 3.0212% | 6,779 |
| Noninterest income to average assets | 0.2770% | 5,929 |
| Noninterest expense to average assets | 4.4891% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.4619% | 7,318 |
| Return on assets (ROA) | -1.4619% | 7,330 |
| Pretax return on assets | -1.4619% | 7,247 |
| Return on Equity (ROE) | -54.7586% | 7,728 |
| Retained earnings to average equity (ytd only) | -54.7586% | 7,718 |
| Net charge-offs to loans | -0.0327% | 7,218 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.2911% | 219 |
| Assets per employee ($millions) | 3.7216% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8369% | 945 |
| Loan loss allowance to noncurrent loans | 25.1928% | 6,723 |
| Noncurrent assets plus other real estate owned to assets | 8.5454% | 551 |
| Noncurrent loans to loans | 11.2606% | 339 |
| Net loans and leases to total assets | 66.5128% | 3,745 |
| Net loans and leases to deposits | 75.2591% | 4,534 |
| Net loans and leases to core deposits | 78.1709% | 5,004 |
| Total domestic deposits to total assets | 88.3784% | 1,863 |
| Equity capital to assets | 2.5616% | 7,870 |
| Core capital (leverage) ratio | 2.6026% | 7,861 |
| Tier 1 risk-based capital ratio | 3.6828% | 7,853 |
| Total risk-based capital ratio | 4.9514% | 7,853 |
| Memoranda: | ||
| Average total assets | $119,846,500 | 4,630 |
| Average earning assets | $109,094,000 | 4,629 |
| Average equity | $3,199,500 | 7,438 |
| Average total loans | $85,621,500 | 4,335 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9935% | 6,458 |
| Cost of funding earning assets | 2.8997% | 308 |
| Net interest margin | 2.0937% | 7,703 |
| Noninterest income to average assets | 0.2849% | 6,066 |
| Noninterest expense to average assets | 4.6058% | 713 |
| Loan and lease loss provision to assets | 2.5896% | 755 |
| Net operating income to assets | -5.0054% | 7,750 |
| Return on assets (ROA) | -4.9871% | 7,742 |
| Pretax return on assets | -4.9871% | 7,708 |
| Return on Equity (ROE) | -103.0739% | 7,938 |
| Retained earnings to average equity (ytd only) | -103.0739% | 7,938 |
| Net charge-offs to loans | 4.8576% | 286 |
| Credit loss provision to net charge-offs | 78.2215% | 6,332 |
| Earnings coverage of net charge-offs (x) | -0.7297% | 6,821 |
| Efficiency ratio | 210.3069% | 121 |
| Assets per employee ($millions) | 3.3394% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7280% | 994 |
| Loan loss allowance to noncurrent loans | 26.5847% | 6,704 |
| Noncurrent assets plus other real estate owned to assets | 8.7937% | 463 |
| Noncurrent loans to loans | 10.2614% | 391 |
| Net loans and leases to total assets | 72.5477% | 2,621 |
| Net loans and leases to deposits | 82.5051% | 3,543 |
| Net loans and leases to core deposits | 104.5988% | 3,507 |
| Total domestic deposits to total assets | 87.9311% | 1,999 |
| Equity capital to assets | 2.7832% | 7,926 |
| Core capital (leverage) ratio | 3.0002% | 7,908 |
| Tier 1 risk-based capital ratio | 3.9613% | 7,910 |
| Total risk-based capital ratio | 5.2280% | 7,914 |
| Memoranda: | ||
| Average total assets | $136,893,400 | 4,193 |
| Average earning assets | $124,562,600 | 4,202 |
| Average equity | $6,623,400 | 6,385 |
| Average total loans | $93,296,600 | 4,123 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8932% | 6,902 |
| Cost of funding earning assets | 3.1473% | 220 |
| Net interest margin | 1.7459% | 7,903 |
| Noninterest income to average assets | 0.2960% | 6,108 |
| Noninterest expense to average assets | 4.3270% | 879 |
| Loan and lease loss provision to assets | 0.5083% | 3,352 |
| Net operating income to assets | -2.9485% | 7,573 |
| Return on assets (ROA) | -2.9485% | 7,579 |
| Pretax return on assets | -2.9485% | 7,487 |
| Return on Equity (ROE) | -56.0394% | 7,877 |
| Retained earnings to average equity (ytd only) | -56.0394% | 7,873 |
| Net charge-offs to loans | 2.3031% | 817 |
| Credit loss provision to net charge-offs | 33.0281% | 6,486 |
| Earnings coverage of net charge-offs (x) | -1.5855% | 6,705 |
| Efficiency ratio | 229.3327% | 106 |
| Assets per employee ($millions) | 3.1788% | 5,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4696% | 1,095 |
| Loan loss allowance to noncurrent loans | 21.5262% | 7,008 |
| Noncurrent assets plus other real estate owned to assets | 9.2271% | 413 |
| Noncurrent loans to loans | 11.4724% | 302 |
| Net loans and leases to total assets | 72.2502% | 2,972 |
| Net loans and leases to deposits | 83.7095% | 3,692 |
| Net loans and leases to core deposits | 109.3878% | 3,304 |
| Total domestic deposits to total assets | 86.3106% | 2,535 |
| Equity capital to assets | 5.0140% | 7,947 |
| Core capital (leverage) ratio | 4.8516% | 7,933 |
| Tier 1 risk-based capital ratio | 7.0313% | 7,890 |
| Total risk-based capital ratio | 8.2867% | 7,896 |
| Memoranda: | ||
| Average total assets | $141,897,000 | 4,097 |
| Average earning assets | $129,292,500 | 4,120 |
| Average equity | $7,466,000 | 6,170 |
| Average total loans | $94,828,000 | 4,126 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7691% | 7,279 |
| Cost of funding earning assets | 3.3301% | 186 |
| Net interest margin | 1.4390% | 8,029 |
| Noninterest income to average assets | 0.2921% | 6,181 |
| Noninterest expense to average assets | 3.8533% | 1,570 |
| Loan and lease loss provision to assets | 0.5329% | 2,897 |
| Net operating income to assets | -2.7808% | 7,624 |
| Return on assets (ROA) | -2.7808% | 7,619 |
| Pretax return on assets | -2.7808% | 7,500 |
| Return on Equity (ROE) | -52.1651% | 7,925 |
| Retained earnings to average equity (ytd only) | -52.1651% | 7,922 |
| Net charge-offs to loans | 1.2669% | 1,459 |
| Credit loss provision to net charge-offs | 64.9094% | 5,511 |
| Earnings coverage of net charge-offs (x) | -2.7381% | 6,397 |
| Efficiency ratio | 240.0168% | 129 |
| Assets per employee ($millions) | 3.5508% | 4,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3439% | 430 |
| Loan loss allowance to noncurrent loans | 23.2106% | 6,954 |
| Noncurrent assets plus other real estate owned to assets | 10.7265% | 242 |
| Noncurrent loans to loans | 14.4070% | 149 |
| Net loans and leases to total assets | 65.7915% | 4,608 |
| Net loans and leases to deposits | 72.3884% | 5,687 |
| Net loans and leases to core deposits | 96.9812% | 4,792 |
| Total domestic deposits to total assets | 90.8868% | 497 |
| Equity capital to assets | 5.1466% | 8,027 |
| Core capital (leverage) ratio | 5.0319% | 8,025 |
| Tier 1 risk-based capital ratio | 8.1390% | 7,899 |
| Total risk-based capital ratio | 9.4047% | 7,920 |
| Memoranda: | ||
| Average total assets | $147,872,000 | 4,033 |
| Average earning assets | $134,951,330 | 4,050 |
| Average equity | $7,882,670 | 6,060 |
| Average total loans | $95,824,670 | 4,122 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5849% | 7,629 |
| Cost of funding earning assets | 3.3890% | 207 |
| Net interest margin | 1.1959% | 8,129 |
| Noninterest income to average assets | 0.2229% | 6,688 |
| Noninterest expense to average assets | 3.8488% | 1,386 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -2.5222% | 7,768 |
| Return on assets (ROA) | -2.5222% | 7,769 |
| Pretax return on assets | -2.5222% | 7,665 |
| Return on Equity (ROE) | -46.5831% | 8,032 |
| Retained earnings to average equity (ytd only) | -46.5831% | 8,017 |
| Net charge-offs to loans | 0.0414% | 4,907 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -96.2000% | 5,708 |
| Efficiency ratio | 290.1186% | 90 |
| Assets per employee ($millions) | 3.8768% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5027% | 318 |
| Loan loss allowance to noncurrent loans | 30.5083% | 6,513 |
| Noncurrent assets plus other real estate owned to assets | 8.2692% | 341 |
| Noncurrent loans to loans | 11.4810% | 193 |
| Net loans and leases to total assets | 59.6047% | 5,720 |
| Net loans and leases to deposits | 65.7755% | 6,397 |
| Net loans and leases to core deposits | 89.2827% | 5,624 |
| Total domestic deposits to total assets | 90.6184% | 550 |
| Equity capital to assets | 5.0674% | 8,112 |
| Core capital (leverage) ratio | 5.4357% | 8,087 |
| Tier 1 risk-based capital ratio | 8.7170% | 7,904 |
| Total risk-based capital ratio | 9.9944% | 7,961 |
| Memoranda: | ||
| Average total assets | $152,568,000 | 3,968 |
| Average earning assets | $140,809,500 | 3,937 |
| Average equity | $8,260,500 | 5,968 |
| Average total loans | $96,607,000 | 4,127 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8338% | 6,320 |
| Cost of funding earning assets | 3.5797% | 419 |
| Net interest margin | 2.2541% | 7,932 |
| Noninterest income to average assets | 0.2724% | 6,505 |
| Noninterest expense to average assets | 3.2425% | 3,175 |
| Loan and lease loss provision to assets | 1.9446% | 636 |
| Net operating income to assets | -3.3475% | 7,887 |
| Return on assets (ROA) | -3.3475% | 7,869 |
| Pretax return on assets | -2.8348% | 7,667 |
| Return on Equity (ROE) | -43.5716% | 8,107 |
| Retained earnings to average equity (ytd only) | -43.5716% | 8,078 |
| Net charge-offs to loans | 2.8204% | 330 |
| Credit loss provision to net charge-offs | 101.9760% | 5,224 |
| Earnings coverage of net charge-offs (x) | -0.4668% | 6,471 |
| Efficiency ratio | 137.8414% | 413 |
| Assets per employee ($millions) | 3.4899% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4538% | 291 |
| Loan loss allowance to noncurrent loans | 36.0163% | 6,333 |
| Noncurrent assets plus other real estate owned to assets | 7.4394% | 329 |
| Noncurrent loans to loans | 9.5894% | 228 |
| Net loans and leases to total assets | 62.6824% | 5,513 |
| Net loans and leases to deposits | 74.5199% | 5,786 |
| Net loans and leases to core deposits | 98.5882% | 4,978 |
| Total domestic deposits to total assets | 84.1150% | 3,267 |
| Equity capital to assets | 5.7728% | 8,099 |
| Core capital (leverage) ratio | 6.1837% | 8,025 |
| Tier 1 risk-based capital ratio | 9.3348% | 7,483 |
| Total risk-based capital ratio | 10.5782% | 7,415 |
| Memoranda: | ||
| Average total assets | $161,882,400 | 3,687 |
| Average earning assets | $149,370,200 | 3,667 |
| Average equity | $12,437,000 | 4,716 |
| Average total loans | $109,453,200 | 3,689 |