Home > East Bridgewater Savings Bank > Performance and Condition Ratios
East Bridgewater Savings Bank, Performance and Condition Ratios
| 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 | 4.0888% | 7,656 |
| Cost of funding earning assets | 2.0964% | 2,477 |
| Net interest margin | 1.9923% | 7,749 |
| Noninterest income to average assets | 0.1666% | 6,888 |
| Noninterest expense to average assets | 2.7673% | 5,099 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.5642% | 6,239 |
| Return on assets (ROA) | 0.3157% | 4,556 |
| Pretax return on assets | 0.6395% | 3,779 |
| Return on Equity (ROE) | 3.6542% | 4,229 |
| Retained earnings to average equity (ytd only) | 3.6542% | 2,629 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.1976% | 412 |
| Assets per employee ($millions) | 5.3679% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 5,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 23.0300% | 7,826 |
| Net loans and leases to deposits | 36.9899% | 7,704 |
| Net loans and leases to core deposits | 44.0627% | 7,702 |
| Total domestic deposits to total assets | 62.2601% | 7,750 |
| Equity capital to assets | 8.9592% | 5,205 |
| Core capital (leverage) ratio | 9.2079% | 4,105 |
| Tier 1 risk-based capital ratio | 30.0066% | 524 |
| Total risk-based capital ratio | 30.8681% | 531 |
| Memoranda: | ||
| Average total assets | $137,460,400 | 4,177 |
| Average earning assets | $128,693,800 | 4,112 |
| Average equity | $11,876,600 | 4,776 |
| Average total loans | $29,649,800 | 6,645 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2514% | 7,694 |
| Cost of funding earning assets | 2.1585% | 2,608 |
| Net interest margin | 2.0929% | 7,770 |
| Noninterest income to average assets | 0.1597% | 7,056 |
| Noninterest expense to average assets | 2.4566% | 6,223 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.3379% | 6,251 |
| Return on assets (ROA) | -0.2171% | 6,103 |
| Pretax return on assets | -0.2171% | 6,005 |
| Return on Equity (ROE) | -2.5370% | 6,169 |
| Retained earnings to average equity (ytd only) | -2.5370% | 5,824 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.9467% | 656 |
| Assets per employee ($millions) | 5.3213% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 5,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 22.4542% | 7,924 |
| Net loans and leases to deposits | 35.8767% | 7,828 |
| Net loans and leases to core deposits | 42.9878% | 7,812 |
| Total domestic deposits to total assets | 62.5870% | 7,806 |
| Equity capital to assets | 8.3554% | 6,437 |
| Core capital (leverage) ratio | 8.6433% | 5,238 |
| Tier 1 risk-based capital ratio | 29.7319% | 580 |
| Total risk-based capital ratio | 30.6429% | 592 |
| Memoranda: | ||
| Average total assets | $136,934,000 | 4,213 |
| Average earning assets | $128,174,750 | 4,144 |
| Average equity | $11,719,750 | 4,863 |
| Average total loans | $28,935,250 | 6,747 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3579% | 7,747 |
| Cost of funding earning assets | 2.2166% | 2,712 |
| Net interest margin | 2.1413% | 7,787 |
| Noninterest income to average assets | 0.1539% | 7,167 |
| Noninterest expense to average assets | 2.4857% | 6,164 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.3298% | 6,357 |
| Return on assets (ROA) | -0.1700% | 6,158 |
| Pretax return on assets | -0.1700% | 6,086 |
| Return on Equity (ROE) | -1.9706% | 6,219 |
| Retained earnings to average equity (ytd only) | -1.9706% | 5,736 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.2957% | 750 |
| Assets per employee ($millions) | 5.3245% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 4,297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 20.1368% | 8,033 |
| Net loans and leases to deposits | 31.4593% | 7,976 |
| Net loans and leases to core deposits | 38.2542% | 7,949 |
| Total domestic deposits to total assets | 64.0092% | 7,828 |
| Equity capital to assets | 8.4218% | 6,165 |
| Core capital (leverage) ratio | 8.7251% | 5,050 |
| Tier 1 risk-based capital ratio | 30.7679% | 556 |
| Total risk-based capital ratio | 31.7021% | 559 |
| Memoranda: | ||
| Average total assets | $136,461,000 | 4,247 |
| Average earning assets | $127,583,670 | 4,189 |
| Average equity | $11,773,000 | 4,876 |
| Average total loans | $28,103,000 | 6,837 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5605% | 7,658 |
| Cost of funding earning assets | 2.2723% | 2,828 |
| Net interest margin | 2.2882% | 7,728 |
| Noninterest income to average assets | 0.1447% | 7,259 |
| Noninterest expense to average assets | 2.3444% | 6,391 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0458% | 6,329 |
| Return on assets (ROA) | 0.1329% | 6,046 |
| Pretax return on assets | 0.1949% | 5,952 |
| Return on Equity (ROE) | 1.5216% | 5,952 |
| Retained earnings to average equity (ytd only) | 1.5216% | 4,998 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9831% | 1,016 |
| Assets per employee ($millions) | 5.2587% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 4,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 20.1394% | 8,079 |
| Net loans and leases to deposits | 31.9343% | 8,016 |
| Net loans and leases to core deposits | 38.7673% | 7,992 |
| Total domestic deposits to total assets | 63.0651% | 7,880 |
| Equity capital to assets | 8.6559% | 5,832 |
| Core capital (leverage) ratio | 8.9098% | 4,848 |
| Tier 1 risk-based capital ratio | 31.2187% | 572 |
| Total risk-based capital ratio | 32.1687% | 569 |
| Memoranda: | ||
| Average total assets | $135,472,500 | 4,302 |
| Average earning assets | $126,215,000 | 4,239 |
| Average equity | $11,830,000 | 4,893 |
| Average total loans | $28,033,000 | 6,881 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7629% | 7,954 |
| Cost of funding earning assets | 2.4772% | 4,325 |
| Net interest margin | 2.2857% | 7,919 |
| Noninterest income to average assets | 0.1686% | 7,216 |
| Noninterest expense to average assets | 2.3125% | 6,660 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.2050% | 6,625 |
| Return on assets (ROA) | -0.1679% | 6,427 |
| Pretax return on assets | 0.0450% | 6,063 |
| Return on Equity (ROE) | -1.7312% | 6,466 |
| Retained earnings to average equity (ytd only) | -1.7312% | 5,798 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5640% | 963 |
| Assets per employee ($millions) | 5.1622% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 3,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 20.7111% | 8,145 |
| Net loans and leases to deposits | 33.1782% | 8,077 |
| Net loans and leases to core deposits | 40.2071% | 8,050 |
| Total domestic deposits to total assets | 62.4238% | 7,863 |
| Equity capital to assets | 8.8103% | 5,634 |
| Core capital (leverage) ratio | 8.8686% | 4,938 |
| Tier 1 risk-based capital ratio | 30.8862% | 597 |
| Total risk-based capital ratio | 31.8297% | 601 |
| Memoranda: | ||
| Average total assets | $131,068,000 | 4,253 |
| Average earning assets | $122,193,800 | 4,209 |
| Average equity | $12,707,600 | 4,644 |
| Average total loans | $27,860,800 | 6,853 |