Home > Hamptons State Bank > Performance and Condition Ratios
Hamptons State Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5786% | 5,037 |
| Cost of funding earning assets | 0.7401% | 5,924 |
| Net interest margin | 3.8385% | 3,424 |
| Noninterest income to average assets | 0.2891% | 5,600 |
| Noninterest expense to average assets | 4.2309% | 795 |
| Loan and lease loss provision to assets | 0.0944% | 4,832 |
| Net operating income to assets | -0.4603% | 6,783 |
| Return on assets (ROA) | -0.4603% | 6,792 |
| Pretax return on assets | -0.4249% | 6,707 |
| Return on Equity (ROE) | -6.8219% | 6,908 |
| Retained earnings to average equity (ytd only) | -6.8219% | 6,664 |
| Net charge-offs to loans | 0.0590% | 4,344 |
| Credit loss provision to net charge-offs | 266.6667% | 1,179 |
| Earnings coverage of net charge-offs (x) | -9.3333% | 5,054 |
| Efficiency ratio | 108.4720% | 529 |
| Assets per employee ($millions) | 5.2352% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6744% | 3,429 |
| Loan loss allowance to noncurrent loans | 84.2365% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.1931% | 4,568 |
| Noncurrent loans to loans | 1.9878% | 3,587 |
| Net loans and leases to total assets | 59.0173% | 4,461 |
| Net loans and leases to deposits | 69.4986% | 4,431 |
| Net loans and leases to core deposits | 81.6448% | 3,507 |
| Total domestic deposits to total assets | 84.9187% | 4,071 |
| Equity capital to assets | 6.6943% | 7,167 |
| Core capital (leverage) ratio | 7.3033% | 6,855 |
| Tier 1 risk-based capital ratio | 10.4730% | 6,824 |
| Total risk-based capital ratio | 11.7264% | 6,805 |
| Memoranda: | ||
| Average total assets | $67,787,500 | 5,936 |
| Average earning assets | $63,775,000 | 5,870 |
| Average equity | $4,573,500 | 6,689 |
| Average total loans | $40,653,500 | 5,820 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1874% | 3,671 |
| Cost of funding earning assets | 1.0404% | 5,479 |
| Net interest margin | 4.1470% | 2,378 |
| Noninterest income to average assets | 0.3660% | 5,180 |
| Noninterest expense to average assets | 3.9153% | 1,296 |
| Loan and lease loss provision to assets | 0.2178% | 5,085 |
| Net operating income to assets | 0.0776% | 5,644 |
| Return on assets (ROA) | 0.2329% | 5,323 |
| Pretax return on assets | 0.2692% | 5,313 |
| Return on Equity (ROE) | 3.1138% | 4,910 |
| Retained earnings to average equity (ytd only) | 3.1138% | 3,683 |
| Net charge-offs to loans | 0.3864% | 4,105 |
| Credit loss provision to net charge-offs | 87.2727% | 5,235 |
| Earnings coverage of net charge-offs (x) | 1.2364% | 4,866 |
| Efficiency ratio | 92.6960% | 1,134 |
| Assets per employee ($millions) | 5.1936% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 3,334 |
| Loan loss allowance to noncurrent loans | 79.3184% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.2604% | 4,512 |
| Noncurrent loans to loans | 2.1035% | 3,434 |
| Net loans and leases to total assets | 58.9215% | 4,865 |
| Net loans and leases to deposits | 69.8065% | 4,838 |
| Net loans and leases to core deposits | 82.4395% | 3,831 |
| Total domestic deposits to total assets | 84.4069% | 4,171 |
| Equity capital to assets | 6.7998% | 7,175 |
| Core capital (leverage) ratio | 7.3750% | 6,804 |
| Tier 1 risk-based capital ratio | 10.7234% | 6,552 |
| Total risk-based capital ratio | 11.9763% | 6,518 |
| Memoranda: | ||
| Average total assets | $66,125,200 | 5,996 |
| Average earning assets | $61,514,600 | 5,939 |
| Average equity | $4,945,800 | 6,682 |
| Average total loans | $42,702,400 | 5,808 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3161% | 3,271 |
| Cost of funding earning assets | 1.1131% | 5,363 |
| Net interest margin | 4.2030% | 2,204 |
| Noninterest income to average assets | 0.3791% | 5,124 |
| Noninterest expense to average assets | 3.8999% | 1,205 |
| Loan and lease loss provision to assets | 0.2453% | 4,639 |
| Net operating income to assets | 0.1143% | 5,737 |
| Return on assets (ROA) | 0.2554% | 5,491 |
| Pretax return on assets | 0.2919% | 5,536 |
| Return on Equity (ROE) | 3.3370% | 5,084 |
| Retained earnings to average equity (ytd only) | 3.3370% | 4,100 |
| Net charge-offs to loans | 0.4869% | 3,325 |
| Credit loss provision to net charge-offs | 76.5823% | 5,237 |
| Earnings coverage of net charge-offs (x) | 1.1709% | 4,894 |
| Efficiency ratio | 91.2281% | 1,195 |
| Assets per employee ($millions) | 5.7017% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5850% | 3,596 |
| Loan loss allowance to noncurrent loans | 79.1116% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.2175% | 4,716 |
| Noncurrent loans to loans | 2.0035% | 3,672 |
| Net loans and leases to total assets | 59.8056% | 4,952 |
| Net loans and leases to deposits | 65.3147% | 5,741 |
| Net loans and leases to core deposits | 77.6422% | 4,844 |
| Total domestic deposits to total assets | 91.5653% | 290 |
| Equity capital to assets | 7.8164% | 6,922 |
| Core capital (leverage) ratio | 7.0055% | 7,164 |
| Tier 1 risk-based capital ratio | 10.4162% | 6,822 |
| Total risk-based capital ratio | 11.6691% | 6,818 |
| Memoranda: | ||
| Average total assets | $65,777,250 | 6,075 |
| Average earning assets | $60,970,750 | 6,029 |
| Average equity | $5,034,500 | 6,742 |
| Average total loans | $43,263,750 | 5,861 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4436% | 2,781 |
| Cost of funding earning assets | 1.1327% | 5,497 |
| Net interest margin | 4.3109% | 1,732 |
| Noninterest income to average assets | 0.4068% | 4,853 |
| Noninterest expense to average assets | 3.9417% | 1,113 |
| Loan and lease loss provision to assets | 0.2743% | 4,195 |
| Net operating income to assets | 0.1587% | 5,695 |
| Return on assets (ROA) | 0.2959% | 5,347 |
| Pretax return on assets | 0.3328% | 5,412 |
| Return on Equity (ROE) | 3.8945% | 4,825 |
| Retained earnings to average equity (ytd only) | 3.8945% | 3,610 |
| Net charge-offs to loans | 0.5020% | 3,030 |
| Credit loss provision to net charge-offs | 80.9091% | 4,686 |
| Earnings coverage of net charge-offs (x) | 1.3364% | 4,491 |
| Efficiency ratio | 89.6914% | 1,361 |
| Assets per employee ($millions) | 5.6740% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5372% | 3,728 |
| Loan loss allowance to noncurrent loans | 79.5053% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.2469% | 4,655 |
| Noncurrent loans to loans | 1.9334% | 3,824 |
| Net loans and leases to total assets | 63.5016% | 4,349 |
| Net loans and leases to deposits | 75.3074% | 4,458 |
| Net loans and leases to core deposits | 92.1564% | 2,962 |
| Total domestic deposits to total assets | 84.3232% | 3,944 |
| Equity capital to assets | 7.6856% | 7,005 |
| Core capital (leverage) ratio | 7.2430% | 7,040 |
| Tier 1 risk-based capital ratio | 10.0118% | 7,019 |
| Total risk-based capital ratio | 11.2633% | 6,998 |
| Memoranda: | ||
| Average total assets | $64,896,330 | 6,144 |
| Average earning assets | $60,034,330 | 6,100 |
| Average equity | $4,930,000 | 6,801 |
| Average total loans | $43,825,670 | 5,873 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4943% | 2,608 |
| Cost of funding earning assets | 1.1725% | 5,543 |
| Net interest margin | 4.3218% | 1,622 |
| Noninterest income to average assets | 0.4171% | 4,756 |
| Noninterest expense to average assets | 4.0316% | 986 |
| Loan and lease loss provision to assets | 0.3981% | 2,986 |
| Net operating income to assets | -0.0040% | 6,296 |
| Return on assets (ROA) | 0.2654% | 5,558 |
| Pretax return on assets | 0.3033% | 5,592 |
| Return on Equity (ROE) | 3.5157% | 5,103 |
| Retained earnings to average equity (ytd only) | 3.5157% | 4,035 |
| Net charge-offs to loans | 1.0598% | 1,572 |
| Credit loss provision to net charge-offs | 54.3103% | 4,416 |
| Earnings coverage of net charge-offs (x) | 0.5345% | 4,556 |
| Efficiency ratio | 91.1429% | 1,342 |
| Assets per employee ($millions) | 4.9077% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 4,166 |
| Loan loss allowance to noncurrent loans | 204.7771% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 6,256 |
| Noncurrent loans to loans | 0.7086% | 5,917 |
| Net loans and leases to total assets | 68.4483% | 3,287 |
| Net loans and leases to deposits | 82.5083% | 3,194 |
| Net loans and leases to core deposits | 105.8410% | 1,588 |
| Total domestic deposits to total assets | 82.9592% | 4,649 |
| Equity capital to assets | 7.9138% | 6,743 |
| Core capital (leverage) ratio | 7.4918% | 6,861 |
| Tier 1 risk-based capital ratio | 9.9629% | 7,059 |
| Total risk-based capital ratio | 11.2138% | 7,044 |
| Memoranda: | ||
| Average total assets | $63,300,500 | 6,264 |
| Average earning assets | $58,679,000 | 6,217 |
| Average equity | $4,778,500 | 6,921 |
| Average total loans | $43,782,500 | 5,945 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5894% | 3,660 |
| Cost of funding earning assets | 1.3617% | 6,087 |
| Net interest margin | 4.2277% | 1,979 |
| Noninterest income to average assets | 0.3785% | 5,387 |
| Noninterest expense to average assets | 3.8673% | 1,559 |
| Loan and lease loss provision to assets | 0.3009% | 5,026 |
| Net operating income to assets | 0.0378% | 5,370 |
| Return on assets (ROA) | 0.0388% | 5,420 |
| Pretax return on assets | 0.0745% | 5,269 |
| Return on Equity (ROE) | 0.5457% | 5,371 |
| Retained earnings to average equity (ytd only) | 0.5457% | 4,599 |
| Net charge-offs to loans | 0.0271% | 6,866 |
| Credit loss provision to net charge-offs | 1,616.6667% | 196 |
| Earnings coverage of net charge-offs (x) | 20.0833% | 1,057 |
| Efficiency ratio | 91.1851% | 1,625 |
| Assets per employee ($millions) | 4.8308% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 3,246 |
| Loan loss allowance to noncurrent loans | 241.6667% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 6,310 |
| Noncurrent loans to loans | 0.6659% | 5,911 |
| Net loans and leases to total assets | 67.7633% | 3,758 |
| Net loans and leases to deposits | 78.6181% | 4,253 |
| Net loans and leases to core deposits | 126.9873% | 1,452 |
| Total domestic deposits to total assets | 86.1929% | 2,910 |
| Equity capital to assets | 7.1782% | 7,274 |
| Core capital (leverage) ratio | 6.6781% | 7,420 |
| Tier 1 risk-based capital ratio | 8.9351% | 7,497 |
| Total risk-based capital ratio | 10.3690% | 7,435 |
| Memoranda: | ||
| Average total assets | $64,464,000 | 6,180 |
| Average earning assets | $58,896,800 | 6,171 |
| Average equity | $4,581,200 | 7,087 |
| Average total loans | $44,286,200 | 5,918 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5981% | 3,873 |
| Cost of funding earning assets | 1.4018% | 6,223 |
| Net interest margin | 4.1963% | 2,076 |
| Noninterest income to average assets | 0.3555% | 5,648 |
| Noninterest expense to average assets | 3.8347% | 1,528 |
| Loan and lease loss provision to assets | 0.1028% | 6,346 |
| Net operating income to assets | 0.2038% | 5,140 |
| Return on assets (ROA) | 0.2055% | 5,222 |
| Pretax return on assets | 0.2404% | 5,209 |
| Return on Equity (ROE) | 2.8988% | 4,839 |
| Retained earnings to average equity (ytd only) | 2.8988% | 3,704 |
| Net charge-offs to loans | 0.0299% | 6,467 |
| Credit loss provision to net charge-offs | 500.0000% | 781 |
| Earnings coverage of net charge-offs (x) | 16.6039% | 1,464 |
| Efficiency ratio | 91.8307% | 1,553 |
| Assets per employee ($millions) | 5.1278% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 4,654 |
| Loan loss allowance to noncurrent loans | 90.8197% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.9151% | 5,242 |
| Noncurrent loans to loans | 1.4033% | 4,570 |
| Net loans and leases to total assets | 64.3795% | 4,779 |
| Net loans and leases to deposits | 76.0086% | 5,040 |
| Net loans and leases to core deposits | 126.0900% | 1,724 |
| Total domestic deposits to total assets | 84.7002% | 3,372 |
| Equity capital to assets | 7.0356% | 7,577 |
| Core capital (leverage) ratio | 6.6355% | 7,614 |
| Tier 1 risk-based capital ratio | 8.8086% | 7,679 |
| Total risk-based capital ratio | 9.9149% | 7,743 |
| Memoranda: | ||
| Average total assets | $64,879,750 | 6,211 |
| Average earning assets | $59,066,000 | 6,210 |
| Average equity | $4,599,500 | 7,147 |
| Average total loans | $44,544,750 | 5,947 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6848% | 3,638 |
| Cost of funding earning assets | 1.4709% | 6,254 |
| Net interest margin | 4.2139% | 1,945 |
| Noninterest income to average assets | 0.3764% | 5,497 |
| Noninterest expense to average assets | 3.8733% | 1,530 |
| Loan and lease loss provision to assets | 0.1151% | 5,991 |
| Net operating income to assets | 0.1773% | 5,336 |
| Return on assets (ROA) | 0.1773% | 5,433 |
| Pretax return on assets | 0.2116% | 5,436 |
| Return on Equity (ROE) | 2.4949% | 5,101 |
| Retained earnings to average equity (ytd only) | 2.4949% | 3,943 |
| Net charge-offs to loans | 0.0445% | 5,841 |
| Credit loss provision to net charge-offs | 370.0000% | 1,255 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,986 |
| Efficiency ratio | 92.2222% | 1,623 |
| Assets per employee ($millions) | 5.2766% | 1,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 4,972 |
| Loan loss allowance to noncurrent loans | 54,100.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 7,670 |
| Noncurrent loans to loans | 0.0022% | 7,572 |
| Net loans and leases to total assets | 65.1102% | 4,741 |
| Net loans and leases to deposits | 79.4885% | 4,622 |
| Net loans and leases to core deposits | 129.0689% | 1,643 |
| Total domestic deposits to total assets | 81.9115% | 4,724 |
| Equity capital to assets | 6.7088% | 7,749 |
| Core capital (leverage) ratio | 6.6646% | 7,716 |
| Tier 1 risk-based capital ratio | 8.5464% | 7,840 |
| Total risk-based capital ratio | 9.6050% | 7,901 |
| Memoranda: | ||
| Average total assets | $64,286,000 | 6,292 |
| Average earning assets | $58,330,670 | 6,298 |
| Average equity | $4,569,330 | 7,214 |
| Average total loans | $44,903,000 | 5,983 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6910% | 3,852 |
| Cost of funding earning assets | 1.5401% | 6,279 |
| Net interest margin | 4.1508% | 2,090 |
| Noninterest income to average assets | 0.3605% | 5,555 |
| Noninterest expense to average assets | 3.8049% | 1,462 |
| Loan and lease loss provision to assets | 0.1352% | 5,226 |
| Net operating income to assets | 0.2640% | 5,421 |
| Return on assets (ROA) | 0.2640% | 5,588 |
| Pretax return on assets | 0.2897% | 5,702 |
| Return on Equity (ROE) | 3.6020% | 5,128 |
| Retained earnings to average equity (ytd only) | 3.6020% | 3,892 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9543% | 1,722 |
| Assets per employee ($millions) | 4.8862% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 4,957 |
| Loan loss allowance to noncurrent loans | 17,833.3333% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 7,642 |
| Noncurrent loans to loans | 0.0066% | 7,555 |
| Net loans and leases to total assets | 70.7546% | 3,526 |
| Net loans and leases to deposits | 84.8544% | 3,842 |
| Net loans and leases to core deposits | 155.0221% | 581 |
| Total domestic deposits to total assets | 83.3834% | 3,959 |
| Equity capital to assets | 7.1976% | 7,562 |
| Core capital (leverage) ratio | 6.8230% | 7,752 |
| Tier 1 risk-based capital ratio | 8.4859% | 7,947 |
| Total risk-based capital ratio | 9.5288% | 8,014 |
| Memoranda: | ||
| Average total assets | $62,131,000 | 6,396 |
| Average earning assets | $57,916,500 | 6,343 |
| Average equity | $4,553,000 | 7,271 |
| Average total loans | $44,752,500 | 6,028 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9395% | 5,855 |
| Cost of funding earning assets | 2.0867% | 6,106 |
| Net interest margin | 3.8527% | 3,782 |
| Noninterest income to average assets | 0.4087% | 5,400 |
| Noninterest expense to average assets | 3.7571% | 1,841 |
| Loan and lease loss provision to assets | 0.2289% | 4,604 |
| Net operating income to assets | -0.0516% | 6,445 |
| Return on assets (ROA) | -0.0213% | 6,259 |
| Pretax return on assets | 0.0441% | 6,065 |
| Return on Equity (ROE) | -0.3044% | 6,270 |
| Retained earnings to average equity (ytd only) | -0.3044% | 5,379 |
| Net charge-offs to loans | 0.0385% | 6,253 |
| Credit loss provision to net charge-offs | 875.0000% | 504 |
| Earnings coverage of net charge-offs (x) | 8.6250% | 2,850 |
| Efficiency ratio | 94.3350% | 1,258 |
| Assets per employee ($millions) | 4.6724% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 4,798 |
| Loan loss allowance to noncurrent loans | 7,342.8571% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 7,576 |
| Noncurrent loans to loans | 0.0159% | 7,471 |
| Net loans and leases to total assets | 71.6353% | 3,666 |
| Net loans and leases to deposits | 86.5273% | 4,027 |
| Net loans and leases to core deposits | 154.0302% | 714 |
| Total domestic deposits to total assets | 82.7892% | 3,861 |
| Equity capital to assets | 7.4645% | 7,413 |
| Core capital (leverage) ratio | 6.9169% | 7,745 |
| Tier 1 risk-based capital ratio | 8.6795% | 7,949 |
| Total risk-based capital ratio | 9.7142% | 8,052 |
| Memoranda: | ||
| Average total assets | $61,163,400 | 6,346 |
| Average earning assets | $56,739,200 | 6,312 |
| Average equity | $4,270,400 | 7,403 |
| Average total loans | $41,602,600 | 6,093 |