Home > First Keystone Bank > Performance and Condition Ratios
First Keystone 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 | 4.6243% | 6,391 |
| Cost of funding earning assets | 1.9114% | 1,196 |
| Net interest margin | 2.7129% | 7,243 |
| Noninterest income to average assets | 0.4026% | 4,893 |
| Noninterest expense to average assets | 2.7841% | 4,559 |
| Loan and lease loss provision to assets | 0.7743% | 1,856 |
| Net operating income to assets | -0.6797% | 6,794 |
| Return on assets (ROA) | -1.5750% | 7,190 |
| Pretax return on assets | -1.5750% | 7,107 |
| Return on Equity (ROE) | -18.8524% | 7,251 |
| Retained earnings to average equity (ytd only) | -18.8524% | 7,226 |
| Net charge-offs to loans | 2.5950% | 645 |
| Credit loss provision to net charge-offs | 48.7680% | 5,448 |
| Earnings coverage of net charge-offs (x) | 0.0595% | 5,659 |
| Efficiency ratio | 96.7157% | 929 |
| Assets per employee ($millions) | 5.7287% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 5,312 |
| Loan loss allowance to noncurrent loans | 95.3785% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.7824% | 5,553 |
| Noncurrent loans to loans | 1.2865% | 4,810 |
| Net loans and leases to total assets | 60.0705% | 5,044 |
| Net loans and leases to deposits | 89.6429% | 1,922 |
| Net loans and leases to core deposits | 94.7341% | 2,614 |
| Total domestic deposits to total assets | 67.0109% | 7,483 |
| Equity capital to assets | 8.3235% | 6,394 |
| Core capital (leverage) ratio | 8.0051% | 6,270 |
| Tier 1 risk-based capital ratio | 12.3346% | 5,011 |
| Total risk-based capital ratio | 13.5205% | 5,035 |
| Memoranda: | ||
| Average total assets | $490,789,000 | 1,392 |
| Average earning assets | $447,934,000 | 1,385 |
| Average equity | $41,002,670 | 1,611 |
| Average total loans | $300,274,000 | 1,528 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8885% | 5,518 |
| Cost of funding earning assets | 1.9485% | 1,248 |
| Net interest margin | 2.9400% | 6,953 |
| Noninterest income to average assets | 0.4068% | 4,857 |
| Noninterest expense to average assets | 2.5538% | 5,537 |
| Loan and lease loss provision to assets | 0.8071% | 1,564 |
| Net operating income to assets | -0.2712% | 6,628 |
| Return on assets (ROA) | -2.3843% | 7,539 |
| Pretax return on assets | -2.3843% | 7,495 |
| Return on Equity (ROE) | -28.4881% | 7,547 |
| Retained earnings to average equity (ytd only) | -28.4881% | 7,516 |
| Net charge-offs to loans | -0.1131% | 7,544 |
| Credit loss provision to net charge-offs | -1,162.7907% | 6,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6541% | 2,183 |
| Assets per employee ($millions) | 5.6614% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2098% | 1,730 |
| Loan loss allowance to noncurrent loans | 92.1441% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 1.5636% | 4,160 |
| Noncurrent loans to loans | 2.3982% | 3,272 |
| Net loans and leases to total assets | 60.6611% | 5,004 |
| Net loans and leases to deposits | 88.4357% | 2,151 |
| Net loans and leases to core deposits | 93.7264% | 2,875 |
| Total domestic deposits to total assets | 68.5935% | 7,494 |
| Equity capital to assets | 8.3680% | 6,197 |
| Core capital (leverage) ratio | 8.1104% | 6,057 |
| Tier 1 risk-based capital ratio | 12.9832% | 4,346 |
| Total risk-based capital ratio | 14.2633% | 4,299 |
| Memoranda: | ||
| Average total assets | $495,577,000 | 1,403 |
| Average earning assets | $452,245,500 | 1,401 |
| Average equity | $41,477,000 | 1,609 |
| Average total loans | $304,082,000 | 1,550 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9690% | 6,530 |
| Cost of funding earning assets | 2.2227% | 1,933 |
| Net interest margin | 2.7464% | 7,146 |
| Noninterest income to average assets | 0.4007% | 5,193 |
| Noninterest expense to average assets | 2.5725% | 5,889 |
| Loan and lease loss provision to assets | 0.7754% | 2,791 |
| Net operating income to assets | -0.2537% | 5,901 |
| Return on assets (ROA) | -0.3997% | 6,068 |
| Pretax return on assets | -0.6394% | 6,131 |
| Return on Equity (ROE) | -4.8659% | 6,196 |
| Retained earnings to average equity (ytd only) | -4.8659% | 6,003 |
| Net charge-offs to loans | 0.5769% | 3,485 |
| Credit loss provision to net charge-offs | 231.8548% | 1,579 |
| Earnings coverage of net charge-offs (x) | 1.0732% | 5,038 |
| Efficiency ratio | 87.7571% | 1,904 |
| Assets per employee ($millions) | 5.7963% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8253% | 2,467 |
| Loan loss allowance to noncurrent loans | 112.5478% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 1.0580% | 4,983 |
| Noncurrent loans to loans | 1.6218% | 4,212 |
| Net loans and leases to total assets | 59.6015% | 5,399 |
| Net loans and leases to deposits | 85.7308% | 2,960 |
| Net loans and leases to core deposits | 104.3355% | 3,532 |
| Total domestic deposits to total assets | 69.5217% | 7,460 |
| Equity capital to assets | 8.3708% | 6,101 |
| Core capital (leverage) ratio | 8.4013% | 5,433 |
| Tier 1 risk-based capital ratio | 12.4714% | 4,550 |
| Total risk-based capital ratio | 13.7377% | 4,479 |
| Memoranda: | ||
| Average total assets | $519,110,400 | 1,329 |
| Average earning assets | $478,341,400 | 1,321 |
| Average equity | $42,643,600 | 1,566 |
| Average total loans | $300,900,800 | 1,593 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9656% | 6,717 |
| Cost of funding earning assets | 2.2470% | 2,198 |
| Net interest margin | 2.7186% | 7,185 |
| Noninterest income to average assets | 0.3950% | 5,331 |
| Noninterest expense to average assets | 2.5454% | 5,913 |
| Loan and lease loss provision to assets | 0.7459% | 2,504 |
| Net operating income to assets | -0.2321% | 6,115 |
| Return on assets (ROA) | -0.2859% | 6,191 |
| Pretax return on assets | -0.4654% | 6,258 |
| Return on Equity (ROE) | -3.4961% | 6,297 |
| Retained earnings to average equity (ytd only) | -3.4961% | 6,031 |
| Net charge-offs to loans | 0.6978% | 2,605 |
| Credit loss provision to net charge-offs | 186.5434% | 2,442 |
| Earnings coverage of net charge-offs (x) | 0.8992% | 5,157 |
| Efficiency ratio | 87.6218% | 1,904 |
| Assets per employee ($millions) | 5.5405% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 3,469 |
| Loan loss allowance to noncurrent loans | 85.9701% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.0292% | 5,017 |
| Noncurrent loans to loans | 1.7406% | 4,020 |
| Net loans and leases to total assets | 58.2426% | 5,855 |
| Net loans and leases to deposits | 87.9192% | 2,975 |
| Net loans and leases to core deposits | 106.7264% | 3,619 |
| Total domestic deposits to total assets | 66.2456% | 7,671 |
| Equity capital to assets | 8.2314% | 6,598 |
| Core capital (leverage) ratio | 8.2299% | 5,967 |
| Tier 1 risk-based capital ratio | 12.7654% | 4,340 |
| Total risk-based capital ratio | 14.0355% | 4,271 |
| Memoranda: | ||
| Average total assets | $522,819,500 | 1,332 |
| Average earning assets | $482,695,250 | 1,327 |
| Average equity | $42,751,500 | 1,584 |
| Average total loans | $299,590,250 | 1,620 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9690% | 6,877 |
| Cost of funding earning assets | 2.2844% | 2,422 |
| Net interest margin | 2.6846% | 7,238 |
| Noninterest income to average assets | 0.3945% | 5,336 |
| Noninterest expense to average assets | 2.5535% | 5,933 |
| Loan and lease loss provision to assets | 0.5559% | 2,794 |
| Net operating income to assets | -0.1486% | 6,101 |
| Return on assets (ROA) | -0.3224% | 6,366 |
| Pretax return on assets | -0.5061% | 6,431 |
| Return on Equity (ROE) | -3.9521% | 6,476 |
| Retained earnings to average equity (ytd only) | -3.9521% | 6,131 |
| Net charge-offs to loans | 0.8508% | 1,991 |
| Credit loss provision to net charge-offs | 115.2623% | 4,016 |
| Earnings coverage of net charge-offs (x) | 0.6590% | 5,044 |
| Efficiency ratio | 88.9304% | 1,911 |
| Assets per employee ($millions) | 5.2314% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 5,326 |
| Loan loss allowance to noncurrent loans | 108.8556% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.6130% | 5,887 |
| Noncurrent loans to loans | 1.0483% | 5,118 |
| Net loans and leases to total assets | 57.8128% | 5,991 |
| Net loans and leases to deposits | 84.5288% | 3,790 |
| Net loans and leases to core deposits | 101.5857% | 4,330 |
| Total domestic deposits to total assets | 68.3942% | 7,596 |
| Equity capital to assets | 8.1047% | 6,623 |
| Core capital (leverage) ratio | 8.3114% | 5,779 |
| Tier 1 risk-based capital ratio | 12.6399% | 4,404 |
| Total risk-based capital ratio | 13.6631% | 4,515 |
| Memoranda: | ||
| Average total assets | $521,642,000 | 1,355 |
| Average earning assets | $481,265,670 | 1,341 |
| Average equity | $42,560,000 | 1,604 |
| Average total loans | $295,714,330 | 1,678 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9118% | 7,146 |
| Cost of funding earning assets | 2.3094% | 2,656 |
| Net interest margin | 2.6024% | 7,366 |
| Noninterest income to average assets | 0.3786% | 5,400 |
| Noninterest expense to average assets | 2.4589% | 5,995 |
| Loan and lease loss provision to assets | 0.5375% | 2,320 |
| Net operating income to assets | -0.1442% | 6,473 |
| Return on assets (ROA) | -0.4961% | 6,925 |
| Pretax return on assets | -0.7426% | 6,993 |
| Return on Equity (ROE) | -6.0600% | 7,069 |
| Retained earnings to average equity (ytd only) | -6.0600% | 6,693 |
| Net charge-offs to loans | 0.0028% | 5,698 |
| Credit loss provision to net charge-offs | 35,000.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 208.5000% | 202 |
| Efficiency ratio | 88.4775% | 1,850 |
| Assets per employee ($millions) | 5.1701% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 3,731 |
| Loan loss allowance to noncurrent loans | 103.7643% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 5,320 |
| Noncurrent loans to loans | 1.3109% | 4,357 |
| Net loans and leases to total assets | 55.5070% | 6,307 |
| Net loans and leases to deposits | 84.4428% | 3,906 |
| Net loans and leases to core deposits | 98.4719% | 4,699 |
| Total domestic deposits to total assets | 65.7333% | 7,751 |
| Equity capital to assets | 8.1693% | 6,569 |
| Core capital (leverage) ratio | 8.3488% | 5,817 |
| Tier 1 risk-based capital ratio | 13.3492% | 3,958 |
| Total risk-based capital ratio | 14.5769% | 3,894 |
| Memoranda: | ||
| Average total assets | $520,891,000 | 1,360 |
| Average earning assets | $480,476,000 | 1,348 |
| Average equity | $42,640,500 | 1,602 |
| Average total loans | $290,604,000 | 1,708 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4535% | 7,389 |
| Cost of funding earning assets | 2.9162% | 2,193 |
| Net interest margin | 2.5373% | 7,713 |
| Noninterest income to average assets | 0.5207% | 4,463 |
| Noninterest expense to average assets | 2.4394% | 6,261 |
| Loan and lease loss provision to assets | 0.0635% | 6,606 |
| Net operating income to assets | 0.3111% | 5,504 |
| Return on assets (ROA) | -0.1149% | 6,370 |
| Pretax return on assets | -0.0815% | 6,249 |
| Return on Equity (ROE) | -1.3152% | 6,406 |
| Retained earnings to average equity (ytd only) | -12.1464% | 7,253 |
| Net charge-offs to loans | 0.1423% | 4,793 |
| Credit loss provision to net charge-offs | 80.8354% | 5,884 |
| Earnings coverage of net charge-offs (x) | 5.1916% | 3,727 |
| Efficiency ratio | 85.6717% | 1,891 |
| Assets per employee ($millions) | 5.0447% | 1,910 |
| Cash dividends to net income (ytd only)* | -823.5294% | 8,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 4,932 |
| Loan loss allowance to noncurrent loans | 86.5687% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 5,022 |
| Noncurrent loans to loans | 1.3265% | 3,860 |
| Net loans and leases to total assets | 54.6696% | 6,587 |
| Net loans and leases to deposits | 87.2959% | 3,894 |
| Net loans and leases to core deposits | 102.1434% | 4,589 |
| Total domestic deposits to total assets | 62.6256% | 7,853 |
| Equity capital to assets | 8.2030% | 6,546 |
| Core capital (leverage) ratio | 8.5028% | 5,578 |
| Tier 1 risk-based capital ratio | 14.3096% | 3,389 |
| Total risk-based capital ratio | 15.3794% | 3,403 |
| Memoranda: | ||
| Average total assets | $517,908,200 | 1,297 |
| Average earning assets | $474,906,800 | 1,301 |
| Average equity | $45,239,800 | 1,496 |
| Average total loans | $286,099,600 | 1,692 |