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Harbourside Community Bank, Performance and Condition Ratios
| 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 | 5.3514% | 5,391 |
| Cost of funding earning assets | 2.9016% | 605 |
| Net interest margin | 2.4498% | 7,525 |
| Noninterest income to average assets | 0.4757% | 4,669 |
| Noninterest expense to average assets | 3.8164% | 1,628 |
| Loan and lease loss provision to assets | 4.6790% | 234 |
| Net operating income to assets | -3.7913% | 7,801 |
| Return on assets (ROA) | -3.6412% | 7,782 |
| Pretax return on assets | -5.5102% | 7,919 |
| Return on Equity (ROE) | -50.7099% | 7,918 |
| Retained earnings to average equity (ytd only) | -50.7099% | 7,915 |
| Net charge-offs to loans | 3.8713% | 372 |
| Credit loss provision to net charge-offs | 141.0559% | 3,306 |
| Earnings coverage of net charge-offs (x) | -0.3191% | 5,968 |
| Efficiency ratio | 138.3886% | 448 |
| Assets per employee ($millions) | 4.4124% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0258% | 251 |
| Loan loss allowance to noncurrent loans | 61.2065% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 4.9885% | 1,067 |
| Noncurrent loans to loans | 6.5775% | 791 |
| Net loans and leases to total assets | 72.7887% | 3,005 |
| Net loans and leases to deposits | 81.3930% | 4,322 |
| Net loans and leases to core deposits | 121.9153% | 2,214 |
| Total domestic deposits to total assets | 89.4288% | 1,073 |
| Equity capital to assets | 6.2753% | 7,875 |
| Core capital (leverage) ratio | 6.2194% | 7,877 |
| Tier 1 risk-based capital ratio | 9.1764% | 7,604 |
| Total risk-based capital ratio | 10.4669% | 7,581 |
| Memoranda: | ||
| Average total assets | $76,512,330 | 5,900 |
| Average earning assets | $71,271,000 | 5,845 |
| Average equity | $5,494,000 | 6,903 |
| Average total loans | $65,559,330 | 5,123 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5136% | 4,837 |
| Cost of funding earning assets | 2.9307% | 715 |
| Net interest margin | 2.5829% | 7,393 |
| Noninterest income to average assets | 0.4690% | 4,600 |
| Noninterest expense to average assets | 5.6117% | 345 |
| Loan and lease loss provision to assets | 4.6631% | 186 |
| Net operating income to assets | -4.8931% | 8,034 |
| Return on assets (ROA) | -4.8017% | 8,018 |
| Pretax return on assets | -7.2532% | 8,087 |
| Return on Equity (ROE) | -62.6892% | 8,095 |
| Retained earnings to average equity (ytd only) | -62.6892% | 8,079 |
| Net charge-offs to loans | 2.9786% | 427 |
| Credit loss provision to net charge-offs | 172.2441% | 2,487 |
| Earnings coverage of net charge-offs (x) | -1.0079% | 5,360 |
| Efficiency ratio | 194.6396% | 202 |
| Assets per employee ($millions) | 4.2488% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4395% | 336 |
| Loan loss allowance to noncurrent loans | 60.7707% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 5.1738% | 854 |
| Noncurrent loans to loans | 5.6598% | 880 |
| Net loans and leases to total assets | 88.2680% | 242 |
| Net loans and leases to deposits | 101.3899% | 1,245 |
| Net loans and leases to core deposits | 154.0707% | 597 |
| Total domestic deposits to total assets | 87.0580% | 2,184 |
| Equity capital to assets | 7.3252% | 7,473 |
| Core capital (leverage) ratio | 7.2463% | 7,430 |
| Tier 1 risk-based capital ratio | 8.9916% | 7,795 |
| Total risk-based capital ratio | 10.2749% | 7,807 |
| Memoranda: | ||
| Average total assets | $75,057,000 | 5,972 |
| Average earning assets | $70,154,000 | 5,908 |
| Average equity | $5,749,000 | 6,859 |
| Average total loans | $68,221,000 | 5,045 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3698% | 3,578 |
| Cost of funding earning assets | 3.5100% | 499 |
| Net interest margin | 2.8598% | 7,235 |
| Noninterest income to average assets | 0.4171% | 5,325 |
| Noninterest expense to average assets | 5.0821% | 598 |
| Loan and lease loss provision to assets | 2.4481% | 431 |
| Net operating income to assets | -2.9560% | 7,816 |
| Return on assets (ROA) | -2.8924% | 7,768 |
| Pretax return on assets | -4.3601% | 7,950 |
| Return on Equity (ROE) | -33.7495% | 8,009 |
| Retained earnings to average equity (ytd only) | -33.7495% | 7,970 |
| Net charge-offs to loans | 3.2608% | 257 |
| Credit loss provision to net charge-offs | 86.2275% | 5,754 |
| Earnings coverage of net charge-offs (x) | -0.7074% | 6,545 |
| Efficiency ratio | 165.3392% | 294 |
| Assets per employee ($millions) | 4.3269% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7040% | 560 |
| Loan loss allowance to noncurrent loans | 79.9664% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 3.2561% | 1,398 |
| Noncurrent loans to loans | 3.3814% | 1,523 |
| Net loans and leases to total assets | 87.9654% | 374 |
| Net loans and leases to deposits | 104.2897% | 1,314 |
| Net loans and leases to core deposits | 138.1577% | 1,364 |
| Total domestic deposits to total assets | 84.3472% | 3,153 |
| Equity capital to assets | 7.9695% | 6,889 |
| Core capital (leverage) ratio | 7.8802% | 6,684 |
| Tier 1 risk-based capital ratio | 9.4818% | 7,328 |
| Total risk-based capital ratio | 10.7382% | 7,240 |
| Memoranda: | ||
| Average total assets | $88,232,000 | 5,411 |
| Average earning assets | $81,964,800 | 5,376 |
| Average equity | $7,561,600 | 6,252 |
| Average total loans | $76,822,800 | 4,618 |