Home > Granite Community Bank, N.A. > Performance and Condition Ratios
Granite Community Bank, N.A., Performance and Condition Ratios
| 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 | 4.8938% | 5,489 |
| Cost of funding earning assets | 1.0693% | 6,046 |
| Net interest margin | 3.8245% | 3,687 |
| Noninterest income to average assets | -0.3787% | 7,839 |
| Noninterest expense to average assets | 3.6999% | 1,521 |
| Loan and lease loss provision to assets | 0.5870% | 2,156 |
| Net operating income to assets | -1.3065% | 7,252 |
| Return on assets (ROA) | -1.3065% | 7,267 |
| Pretax return on assets | -1.3065% | 7,183 |
| Return on Equity (ROE) | -42.7509% | 7,665 |
| Retained earnings to average equity (ytd only) | -42.7509% | 7,650 |
| Net charge-offs to loans | 3.0372% | 506 |
| Credit loss provision to net charge-offs | 23.7366% | 4,906 |
| Earnings coverage of net charge-offs (x) | -0.2910% | 5,205 |
| Efficiency ratio | 124.1423% | 397 |
| Assets per employee ($millions) | 2.9404% | 6,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7289% | 459 |
| Loan loss allowance to noncurrent loans | 30.8736% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 13.8797% | 168 |
| Noncurrent loans to loans | 12.0780% | 290 |
| Net loans and leases to total assets | 77.6685% | 1,212 |
| Net loans and leases to deposits | 84.8056% | 2,799 |
| Net loans and leases to core deposits | 91.5024% | 3,167 |
| Total domestic deposits to total assets | 91.5842% | 349 |
| Equity capital to assets | 2.9734% | 7,850 |
| Core capital (leverage) ratio | 2.8861% | 7,849 |
| Tier 1 risk-based capital ratio | 3.4649% | 7,860 |
| Total risk-based capital ratio | 4.7536% | 7,860 |
| Memoranda: | ||
| Average total assets | $105,625,500 | 4,988 |
| Average earning assets | $92,769,500 | 5,085 |
| Average equity | $3,228,000 | 7,427 |
| Average total loans | $86,001,500 | 4,320 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3047% | 5,154 |
| Cost of funding earning assets | 1.7919% | 4,034 |
| Net interest margin | 3.5128% | 4,898 |
| Noninterest income to average assets | 1.2598% | 951 |
| Noninterest expense to average assets | 6.3528% | 267 |
| Loan and lease loss provision to assets | 2.4530% | 814 |
| Net operating income to assets | -4.4835% | 7,679 |
| Return on assets (ROA) | -4.4835% | 7,678 |
| Pretax return on assets | -4.4827% | 7,640 |
| Return on Equity (ROE) | -76.9045% | 7,848 |
| Retained earnings to average equity (ytd only) | -76.9045% | 7,845 |
| Net charge-offs to loans | 5.6702% | 194 |
| Credit loss provision to net charge-offs | 53.1626% | 6,709 |
| Earnings coverage of net charge-offs (x) | -0.4399% | 6,658 |
| Efficiency ratio | 146.9502% | 339 |
| Assets per employee ($millions) | 2.9281% | 6,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0393% | 353 |
| Loan loss allowance to noncurrent loans | 25.2636% | 6,781 |
| Noncurrent assets plus other real estate owned to assets | 18.7044% | 71 |
| Noncurrent loans to loans | 15.9886% | 146 |
| Net loans and leases to total assets | 78.8108% | 1,225 |
| Net loans and leases to deposits | 83.8830% | 3,297 |
| Net loans and leases to core deposits | 130.1456% | 1,277 |
| Total domestic deposits to total assets | 93.9532% | 76 |
| Equity capital to assets | 3.1346% | 7,910 |
| Core capital (leverage) ratio | 2.8846% | 7,912 |
| Tier 1 risk-based capital ratio | 3.4368% | 7,931 |
| Total risk-based capital ratio | 4.7259% | 7,932 |
| Memoranda: | ||
| Average total assets | $127,802,000 | 4,384 |
| Average earning assets | $111,448,400 | 4,522 |
| Average equity | $7,450,800 | 6,108 |
| Average total loans | $104,000,400 | 3,839 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3886% | 5,008 |
| Cost of funding earning assets | 1.9107% | 3,825 |
| Net interest margin | 3.4779% | 4,959 |
| Noninterest income to average assets | 1.4030% | 771 |
| Noninterest expense to average assets | 4.9134% | 519 |
| Loan and lease loss provision to assets | 1.5075% | 1,273 |
| Net operating income to assets | -1.9808% | 7,312 |
| Return on assets (ROA) | -1.9808% | 7,311 |
| Pretax return on assets | -1.9848% | 7,176 |
| Return on Equity (ROE) | -31.0465% | 7,634 |
| Retained earnings to average equity (ytd only) | -31.0465% | 7,616 |
| Net charge-offs to loans | 5.4665% | 182 |
| Credit loss provision to net charge-offs | 33.9520% | 6,480 |
| Earnings coverage of net charge-offs (x) | -0.1075% | 6,192 |
| Efficiency ratio | 110.7612% | 755 |
| Assets per employee ($millions) | 3.5691% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5640% | 394 |
| Loan loss allowance to noncurrent loans | 28.2150% | 6,586 |
| Noncurrent assets plus other real estate owned to assets | 15.3267% | 113 |
| Noncurrent loans to loans | 12.6317% | 241 |
| Net loans and leases to total assets | 76.6593% | 1,856 |
| Net loans and leases to deposits | 86.0921% | 3,300 |
| Net loans and leases to core deposits | 117.9695% | 2,416 |
| Total domestic deposits to total assets | 89.0433% | 1,175 |
| Equity capital to assets | 5.9291% | 7,868 |
| Core capital (leverage) ratio | 5.4061% | 7,884 |
| Tier 1 risk-based capital ratio | 6.6063% | 7,927 |
| Total risk-based capital ratio | 7.8839% | 7,928 |
| Memoranda: | ||
| Average total assets | $132,668,000 | 4,305 |
| Average earning assets | $115,698,250 | 4,434 |
| Average equity | $8,464,500 | 5,830 |
| Average total loans | $107,756,500 | 3,777 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4241% | 5,020 |
| Cost of funding earning assets | 2.0059% | 3,744 |
| Net interest margin | 3.4182% | 5,101 |
| Noninterest income to average assets | 0.4412% | 4,925 |
| Noninterest expense to average assets | 4.3873% | 863 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.9352% | 6,920 |
| Return on assets (ROA) | -0.9352% | 6,929 |
| Pretax return on assets | -0.9411% | 6,774 |
| Return on Equity (ROE) | -14.3570% | 7,306 |
| Retained earnings to average equity (ytd only) | -14.3570% | 7,207 |
| Net charge-offs to loans | 3.9777% | 356 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -0.2894% | 5,944 |
| Efficiency ratio | 127.3075% | 551 |
| Assets per employee ($millions) | 3.8134% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9079% | 280 |
| Loan loss allowance to noncurrent loans | 32.8100% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 13.7307% | 129 |
| Noncurrent loans to loans | 11.9107% | 231 |
| Net loans and leases to total assets | 74.1164% | 2,673 |
| Net loans and leases to deposits | 84.3195% | 3,820 |
| Net loans and leases to core deposits | 121.2291% | 2,260 |
| Total domestic deposits to total assets | 87.8995% | 1,817 |
| Equity capital to assets | 6.2112% | 7,891 |
| Core capital (leverage) ratio | 6.2657% | 7,865 |
| Tier 1 risk-based capital ratio | 7.1595% | 7,995 |
| Total risk-based capital ratio | 8.4416% | 7,997 |
| Memoranda: | ||
| Average total assets | $136,440,670 | 4,249 |
| Average earning assets | $119,946,670 | 4,367 |
| Average equity | $8,887,670 | 5,724 |
| Average total loans | $111,520,670 | 3,731 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5027% | 4,897 |
| Cost of funding earning assets | 2.1770% | 3,281 |
| Net interest margin | 3.3256% | 5,418 |
| Noninterest income to average assets | 0.4411% | 4,865 |
| Noninterest expense to average assets | 3.9436% | 1,253 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.5764% | 6,947 |
| Return on assets (ROA) | -0.5764% | 6,992 |
| Pretax return on assets | -0.5734% | 6,883 |
| Return on Equity (ROE) | -8.6458% | 7,280 |
| Retained earnings to average equity (ytd only) | -8.6458% | 6,978 |
| Net charge-offs to loans | 0.0910% | 4,265 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -7.5000% | 5,601 |
| Efficiency ratio | 117.0157% | 678 |
| Assets per employee ($millions) | 3.7088% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6287% | 78 |
| Loan loss allowance to noncurrent loans | 75.1960% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 9.7700% | 237 |
| Noncurrent loans to loans | 7.4854% | 503 |
| Net loans and leases to total assets | 77.3388% | 1,962 |
| Net loans and leases to deposits | 88.3157% | 3,232 |
| Net loans and leases to core deposits | 129.7056% | 1,678 |
| Total domestic deposits to total assets | 87.5709% | 1,936 |
| Equity capital to assets | 6.5367% | 7,858 |
| Core capital (leverage) ratio | 6.4760% | 7,890 |
| Tier 1 risk-based capital ratio | 7.2477% | 8,079 |
| Total risk-based capital ratio | 8.5534% | 8,087 |
| Memoranda: | ||
| Average total assets | $136,019,000 | 4,284 |
| Average earning assets | $119,796,500 | 4,391 |
| Average equity | $9,068,000 | 5,685 |
| Average total loans | $114,337,000 | 3,692 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5054% | 2,928 |
| Cost of funding earning assets | 2.5842% | 3,766 |
| Net interest margin | 3.9212% | 3,477 |
| Noninterest income to average assets | 0.6544% | 3,437 |
| Noninterest expense to average assets | 3.4666% | 2,482 |
| Loan and lease loss provision to assets | 5.4424% | 83 |
| Net operating income to assets | -4.3573% | 8,032 |
| Return on assets (ROA) | -4.3573% | 8,018 |
| Pretax return on assets | -4.6652% | 7,983 |
| Return on Equity (ROE) | -44.3911% | 8,110 |
| Retained earnings to average equity (ytd only) | -44.7292% | 8,088 |
| Net charge-offs to loans | 3.8564% | 180 |
| Credit loss provision to net charge-offs | 168.9676% | 3,042 |
| Earnings coverage of net charge-offs (x) | 0.2413% | 6,087 |
| Efficiency ratio | 81.6860% | 2,343 |
| Assets per employee ($millions) | 3.3703% | 5,035 |
| Cash dividends to net income (ytd only)* | -0.7616% | 7,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4692% | 75 |
| Loan loss allowance to noncurrent loans | 89.1820% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 8.9873% | 224 |
| Noncurrent loans to loans | 6.1326% | 568 |
| Net loans and leases to total assets | 81.4905% | 1,320 |
| Net loans and leases to deposits | 98.3950% | 2,070 |
| Net loans and leases to core deposits | 138.8353% | 1,326 |
| Total domestic deposits to total assets | 82.8198% | 3,846 |
| Equity capital to assets | 6.7991% | 7,832 |
| Core capital (leverage) ratio | 6.2169% | 8,013 |
| Tier 1 risk-based capital ratio | 7.2808% | 8,153 |
| Total risk-based capital ratio | 8.5858% | 8,164 |
| Memoranda: | ||
| Average total assets | $150,668,400 | 3,885 |
| Average earning assets | $137,915,400 | 3,892 |
| Average equity | $14,789,000 | 4,180 |
| Average total loans | $125,841,800 | 3,331 |