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Golf 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 | 4.9304% | 5,268 |
| Cost of funding earning assets | 2.2944% | 342 |
| Net interest margin | 2.6360% | 7,318 |
| Noninterest income to average assets | 7.6148% | 92 |
| Noninterest expense to average assets | 7.9898% | 116 |
| Loan and lease loss provision to assets | 2.0259% | 607 |
| Net operating income to assets | 0.0049% | 6,076 |
| Return on assets (ROA) | 0.2162% | 5,637 |
| Pretax return on assets | 0.3093% | 5,471 |
| Return on Equity (ROE) | 1.9796% | 5,640 |
| Retained earnings to average equity (ytd only) | 1.9796% | 4,873 |
| Net charge-offs to loans | 2.7464% | 601 |
| Credit loss provision to net charge-offs | 88.8326% | 4,455 |
| Earnings coverage of net charge-offs (x) | 0.8915% | 4,876 |
| Efficiency ratio | 79.6237% | 2,488 |
| Assets per employee ($millions) | 1.0161% | 7,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 4,238 |
| Loan loss allowance to noncurrent loans | 20.0768% | 6,938 |
| Noncurrent assets plus other real estate owned to assets | 8.2610% | 580 |
| Noncurrent loans to loans | 7.1696% | 773 |
| Net loans and leases to total assets | 83.8945% | 365 |
| Net loans and leases to deposits | 110.1972% | 268 |
| Net loans and leases to core deposits | 163.3200% | 155 |
| Total domestic deposits to total assets | 76.1312% | 6,665 |
| Equity capital to assets | 11.1736% | 2,708 |
| Core capital (leverage) ratio | 11.1818% | 2,114 |
| Tier 1 risk-based capital ratio | 19.4508% | 1,617 |
| Total risk-based capital ratio | 20.7196% | 1,585 |
| Memoranda: | ||
| Average total assets | $571,704,330 | 1,192 |
| Average earning assets | $522,312,000 | 1,184 |
| Average equity | $62,436,670 | 1,065 |
| Average total loans | $474,732,670 | 968 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7039% | 6,229 |
| Cost of funding earning assets | 2.3280% | 393 |
| Net interest margin | 2.3759% | 7,545 |
| Noninterest income to average assets | 7.5528% | 90 |
| Noninterest expense to average assets | 7.7104% | 131 |
| Loan and lease loss provision to assets | 2.0066% | 553 |
| Net operating income to assets | 0.0069% | 6,268 |
| Return on assets (ROA) | 0.0569% | 6,251 |
| Pretax return on assets | 0.0555% | 6,241 |
| Return on Equity (ROE) | 0.5273% | 6,257 |
| Retained earnings to average equity (ytd only) | 0.5273% | 5,616 |
| Net charge-offs to loans | 2.6386% | 618 |
| Credit loss provision to net charge-offs | 92.7174% | 3,594 |
| Earnings coverage of net charge-offs (x) | 0.9297% | 4,216 |
| Efficiency ratio | 79.2116% | 2,683 |
| Assets per employee ($millions) | 0.9829% | 7,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 3,232 |
| Loan loss allowance to noncurrent loans | 22.5414% | 6,876 |
| Noncurrent assets plus other real estate owned to assets | 8.5081% | 558 |
| Noncurrent loans to loans | 7.3403% | 786 |
| Net loans and leases to total assets | 78.7716% | 1,015 |
| Net loans and leases to deposits | 103.9502% | 530 |
| Net loans and leases to core deposits | 161.0847% | 189 |
| Total domestic deposits to total assets | 75.7782% | 6,793 |
| Equity capital to assets | 11.1598% | 2,625 |
| Core capital (leverage) ratio | 11.2269% | 2,074 |
| Tier 1 risk-based capital ratio | 19.4549% | 1,625 |
| Total risk-based capital ratio | 20.7226% | 1,599 |
| Memoranda: | ||
| Average total assets | $576,103,000 | 1,207 |
| Average earning assets | $526,119,500 | 1,210 |
| Average equity | $62,206,500 | 1,076 |
| Average total loans | $472,526,500 | 998 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6170% | 3,517 |
| Cost of funding earning assets | 2.5346% | 935 |
| Net interest margin | 3.0824% | 6,421 |
| Noninterest income to average assets | 8.3544% | 83 |
| Noninterest expense to average assets | 6.2393% | 284 |
| Loan and lease loss provision to assets | 4.1037% | 317 |
| Net operating income to assets | 0.5873% | 3,376 |
| Return on assets (ROA) | 0.7324% | 2,882 |
| Pretax return on assets | 1.0997% | 2,256 |
| Return on Equity (ROE) | 6.8088% | 2,866 |
| Retained earnings to average equity (ytd only) | 5.8297% | 1,415 |
| Net charge-offs to loans | 4.4899% | 327 |
| Credit loss provision to net charge-offs | 103.2221% | 5,349 |
| Earnings coverage of net charge-offs (x) | 1.2544% | 4,871 |
| Efficiency ratio | 55.4979% | 7,071 |
| Assets per employee ($millions) | 0.9736% | 7,951 |
| Cash dividends to net income (ytd only)* | 14.3806% | 3,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 3,564 |
| Loan loss allowance to noncurrent loans | 22.3041% | 6,947 |
| Noncurrent assets plus other real estate owned to assets | 8.5347% | 490 |
| Noncurrent loans to loans | 6.8673% | 832 |
| Net loans and leases to total assets | 82.5460% | 604 |
| Net loans and leases to deposits | 120.7567% | 169 |
| Net loans and leases to core deposits | 122.3396% | 1,753 |
| Total domestic deposits to total assets | 68.3573% | 7,521 |
| Equity capital to assets | 10.4575% | 3,231 |
| Core capital (leverage) ratio | 11.1973% | 2,108 |
| Tier 1 risk-based capital ratio | 17.7505% | 1,958 |
| Total risk-based capital ratio | 19.0147% | 1,908 |
| Memoranda: | ||
| Average total assets | $575,340,200 | 1,207 |
| Average earning assets | $536,014,800 | 1,181 |
| Average equity | $61,890,400 | 1,070 |
| Average total loans | $509,434,200 | 938 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6421% | 3,621 |
| Cost of funding earning assets | 2.5865% | 1,065 |
| Net interest margin | 3.0556% | 6,443 |
| Noninterest income to average assets | 8.8402% | 82 |
| Noninterest expense to average assets | 5.8633% | 323 |
| Loan and lease loss provision to assets | 4.1924% | 265 |
| Net operating income to assets | 1.0771% | 1,805 |
| Return on assets (ROA) | 1.1611% | 1,621 |
| Pretax return on assets | 1.7725% | 848 |
| Return on Equity (ROE) | 10.7163% | 1,702 |
| Retained earnings to average equity (ytd only) | 9.4096% | 745 |
| Net charge-offs to loans | 4.8234% | 248 |
| Credit loss provision to net charge-offs | 96.8221% | 5,275 |
| Earnings coverage of net charge-offs (x) | 1.3482% | 4,772 |
| Efficiency ratio | 50.0319% | 7,551 |
| Assets per employee ($millions) | 1.0676% | 8,032 |
| Cash dividends to net income (ytd only)* | 12.1932% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 4,853 |
| Loan loss allowance to noncurrent loans | 23.0381% | 6,910 |
| Noncurrent assets plus other real estate owned to assets | 7.6252% | 584 |
| Noncurrent loans to loans | 5.4140% | 1,160 |
| Net loans and leases to total assets | 85.7279% | 365 |
| Net loans and leases to deposits | 137.1766% | 80 |
| Net loans and leases to core deposits | 139.2480% | 951 |
| Total domestic deposits to total assets | 62.4946% | 7,810 |
| Equity capital to assets | 10.9340% | 3,077 |
| Core capital (leverage) ratio | 11.4174% | 2,116 |
| Tier 1 risk-based capital ratio | 18.0329% | 1,979 |
| Total risk-based capital ratio | 19.2739% | 1,928 |
| Memoranda: | ||
| Average total assets | $570,696,250 | 1,227 |
| Average earning assets | $534,299,250 | 1,201 |
| Average equity | $61,835,750 | 1,089 |
| Average total loans | $512,322,750 | 946 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8672% | 2,730 |
| Cost of funding earning assets | 2.6412% | 1,180 |
| Net interest margin | 3.2260% | 5,820 |
| Noninterest income to average assets | 9.4980% | 76 |
| Noninterest expense to average assets | 5.3984% | 399 |
| Loan and lease loss provision to assets | 4.7864% | 226 |
| Net operating income to assets | 1.5248% | 796 |
| Return on assets (ROA) | 1.6498% | 682 |
| Pretax return on assets | 2.5447% | 195 |
| Return on Equity (ROE) | 15.2739% | 784 |
| Retained earnings to average equity (ytd only) | 13.2949% | 298 |
| Net charge-offs to loans | 5.3208% | 227 |
| Credit loss provision to net charge-offs | 99.0872% | 4,646 |
| Earnings coverage of net charge-offs (x) | 1.4779% | 4,426 |
| Efficiency ratio | 42.9858% | 7,955 |
| Assets per employee ($millions) | 1.2413% | 8,106 |
| Cash dividends to net income (ytd only)* | 12.9570% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 4,869 |
| Loan loss allowance to noncurrent loans | 24.5946% | 6,866 |
| Noncurrent assets plus other real estate owned to assets | 6.5084% | 702 |
| Noncurrent loans to loans | 4.9182% | 1,258 |
| Net loans and leases to total assets | 89.1864% | 175 |
| Net loans and leases to deposits | 160.6133% | 49 |
| Net loans and leases to core deposits | 162.9792% | 404 |
| Total domestic deposits to total assets | 55.5286% | 8,013 |
| Equity capital to assets | 10.1648% | 3,756 |
| Core capital (leverage) ratio | 10.8800% | 2,505 |
| Tier 1 risk-based capital ratio | 17.0074% | 2,300 |
| Total risk-based capital ratio | 18.2662% | 2,246 |
| Memoranda: | ||
| Average total assets | $566,983,000 | 1,251 |
| Average earning assets | $534,152,670 | 1,209 |
| Average equity | $61,241,670 | 1,114 |
| Average total loans | $514,731,670 | 967 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2017% | 1,598 |
| Cost of funding earning assets | 2.8753% | 818 |
| Net interest margin | 3.3264% | 5,414 |
| Noninterest income to average assets | 9.5182% | 71 |
| Noninterest expense to average assets | 4.7687% | 567 |
| Loan and lease loss provision to assets | 5.0779% | 158 |
| Net operating income to assets | 1.8327% | 498 |
| Return on assets (ROA) | 2.0948% | 336 |
| Pretax return on assets | 3.2331% | 99 |
| Return on Equity (ROE) | 18.7606% | 526 |
| Retained earnings to average equity (ytd only) | 17.1707% | 265 |
| Net charge-offs to loans | 6.3350% | 142 |
| Credit loss provision to net charge-offs | 88.0128% | 4,044 |
| Earnings coverage of net charge-offs (x) | 1.3706% | 4,049 |
| Efficiency ratio | 37.5423% | 8,089 |
| Assets per employee ($millions) | 1.3943% | 8,135 |
| Cash dividends to net income (ytd only)* | 8.4746% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 5,013 |
| Loan loss allowance to noncurrent loans | 27.3818% | 6,737 |
| Noncurrent assets plus other real estate owned to assets | 5.2515% | 834 |
| Noncurrent loans to loans | 4.2551% | 1,384 |
| Net loans and leases to total assets | 89.9010% | 141 |
| Net loans and leases to deposits | 147.4892% | 70 |
| Net loans and leases to core deposits | 149.6645% | 720 |
| Total domestic deposits to total assets | 60.9543% | 7,947 |
| Equity capital to assets | 11.0199% | 2,947 |
| Core capital (leverage) ratio | 11.1437% | 2,380 |
| Tier 1 risk-based capital ratio | 18.2070% | 1,999 |
| Total risk-based capital ratio | 19.4640% | 1,952 |
| Memoranda: | ||
| Average total assets | $540,773,000 | 1,309 |
| Average earning assets | $513,468,000 | 1,262 |
| Average equity | $60,382,000 | 1,137 |
| Average total loans | $492,504,000 | 1,021 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8518% | 1,530 |
| Cost of funding earning assets | 3.8835% | 146 |
| Net interest margin | 2.9682% | 6,992 |
| Noninterest income to average assets | 4.6640% | 135 |
| Noninterest expense to average assets | 5.9178% | 414 |
| Loan and lease loss provision to assets | 1.3859% | 1,004 |
| Net operating income to assets | -0.0486% | 6,442 |
| Return on assets (ROA) | -0.0486% | 6,291 |
| Pretax return on assets | 0.2083% | 5,709 |
| Return on Equity (ROE) | -0.5893% | 6,306 |
| Retained earnings to average equity (ytd only) | -0.5893% | 5,466 |
| Net charge-offs to loans | 0.2296% | 3,945 |
| Credit loss provision to net charge-offs | 634.4660% | 673 |
| Earnings coverage of net charge-offs (x) | 7.2981% | 3,146 |
| Efficiency ratio | 71.9093% | 3,955 |
| Assets per employee ($millions) | 1.4355% | 8,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 2,900 |
| Loan loss allowance to noncurrent loans | 24.6883% | 7,022 |
| Noncurrent assets plus other real estate owned to assets | 5.7671% | 538 |
| Noncurrent loans to loans | 5.8890% | 626 |
| Net loans and leases to total assets | 89.8707% | 205 |
| Net loans and leases to deposits | 131.6148% | 192 |
| Net loans and leases to core deposits | 134.0042% | 1,598 |
| Total domestic deposits to total assets | 68.2831% | 7,440 |
| Equity capital to assets | 11.3238% | 2,778 |
| Core capital (leverage) ratio | 12.5606% | 1,724 |
| Tier 1 risk-based capital ratio | 17.8303% | 2,082 |
| Total risk-based capital ratio | 19.0915% | 2,019 |
| Memoranda: | ||
| Average total assets | $471,522,800 | 1,460 |
| Average earning assets | $452,422,000 | 1,373 |
| Average equity | $38,862,200 | 1,737 |
| Average total loans | $448,599,600 | 1,072 |