Home > Harvard State Bank > Performance and Condition Ratios
Harvard State Bank, 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 | 5.3844% | 3,116 |
| Cost of funding earning assets | 1.4787% | 3,699 |
| Net interest margin | 3.9056% | 3,300 |
| Noninterest income to average assets | -0.6208% | 7,874 |
| Noninterest expense to average assets | 2.2517% | 6,537 |
| Loan and lease loss provision to assets | 0.0526% | 6,142 |
| Net operating income to assets | 0.0105% | 6,259 |
| Return on assets (ROA) | 0.0105% | 6,368 |
| Pretax return on assets | 0.7155% | 4,182 |
| Return on Equity (ROE) | 0.0828% | 6,384 |
| Retained earnings to average equity (ytd only) | 0.0828% | 5,791 |
| Net charge-offs to loans | 3.9070% | 344 |
| Credit loss provision to net charge-offs | 1.5823% | 5,111 |
| Earnings coverage of net charge-offs (x) | 0.2310% | 4,834 |
| Efficiency ratio | 74.5645% | 3,476 |
| Assets per employee ($millions) | 5.1916% | 1,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0063% | 7,857 |
| Loan loss allowance to noncurrent loans | 0.3650% | 7,406 |
| Noncurrent assets plus other real estate owned to assets | 1.5079% | 4,242 |
| Noncurrent loans to loans | 1.7159% | 4,170 |
| Net loans and leases to total assets | 87.8760% | 132 |
| Net loans and leases to deposits | 107.7138% | 353 |
| Net loans and leases to core deposits | 111.2989% | 1,200 |
| Total domestic deposits to total assets | 81.5828% | 5,238 |
| Equity capital to assets | 13.2880% | 1,400 |
| Core capital (leverage) ratio | 12.7932% | 1,296 |
| Tier 1 risk-based capital ratio | 14.7269% | 3,242 |
| Total risk-based capital ratio | 14.7330% | 3,962 |
| Memoranda: | ||
| Average total assets | $38,016,000 | 7,161 |
| Average earning assets | $35,436,000 | 7,110 |
| Average equity | $4,831,500 | 6,897 |
| Average total loans | $32,352,000 | 6,492 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3034% | 1,023 |
| Cost of funding earning assets | 1.8134% | 3,921 |
| Net interest margin | 4.4900% | 1,198 |
| Noninterest income to average assets | 0.3902% | 5,293 |
| Noninterest expense to average assets | 3.1586% | 3,516 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8573% | 2,318 |
| Return on assets (ROA) | 0.8573% | 2,395 |
| Pretax return on assets | 1.3325% | 1,608 |
| Return on Equity (ROE) | 6.7177% | 2,903 |
| Retained earnings to average equity (ytd only) | 2.3502% | 3,477 |
| Net charge-offs to loans | 0.1321% | 5,876 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 11.9524% | 1,554 |
| Efficiency ratio | 70.3310% | 4,556 |
| Assets per employee ($millions) | 5.6701% | 1,495 |
| Cash dividends to net income (ytd only)* | 65.0155% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 6,611 |
| Loan loss allowance to noncurrent loans | 88.9205% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 1.6704% | 3,864 |
| Noncurrent loans to loans | 1.0743% | 5,171 |
| Net loans and leases to total assets | 81.7666% | 724 |
| Net loans and leases to deposits | 107.5562% | 480 |
| Net loans and leases to core deposits | 115.5852% | 2,365 |
| Total domestic deposits to total assets | 76.0223% | 6,677 |
| Equity capital to assets | 12.1791% | 1,923 |
| Core capital (leverage) ratio | 12.2931% | 1,531 |
| Tier 1 risk-based capital ratio | 13.7934% | 3,636 |
| Total risk-based capital ratio | 14.6893% | 3,807 |
| Memoranda: | ||
| Average total assets | $37,674,400 | 7,183 |
| Average earning assets | $34,409,800 | 7,168 |
| Average equity | $4,808,200 | 7,020 |
| Average total loans | $31,805,200 | 6,536 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2356% | 1,279 |
| Cost of funding earning assets | 1.8632% | 4,083 |
| Net interest margin | 4.3724% | 1,521 |
| Noninterest income to average assets | 0.5201% | 4,318 |
| Noninterest expense to average assets | 3.0741% | 3,750 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9828% | 2,116 |
| Return on assets (ROA) | 0.9828% | 2,179 |
| Pretax return on assets | 1.4527% | 1,549 |
| Return on Equity (ROE) | 7.6081% | 2,813 |
| Retained earnings to average equity (ytd only) | 3.8596% | 3,134 |
| Net charge-offs to loans | 0.0591% | 6,115 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 28.9229% | 955 |
| Efficiency ratio | 67.9081% | 4,999 |
| Assets per employee ($millions) | 5.7914% | 1,359 |
| Cash dividends to net income (ytd only)* | 49.2719% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 6,411 |
| Loan loss allowance to noncurrent loans | 179.0576% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.8140% | 5,470 |
| Noncurrent loans to loans | 0.5455% | 6,222 |
| Net loans and leases to total assets | 85.5229% | 388 |
| Net loans and leases to deposits | 113.4262% | 349 |
| Net loans and leases to core deposits | 121.7594% | 2,093 |
| Total domestic deposits to total assets | 75.3996% | 6,696 |
| Equity capital to assets | 12.0005% | 2,238 |
| Core capital (leverage) ratio | 12.5388% | 1,565 |
| Tier 1 risk-based capital ratio | 13.1858% | 4,061 |
| Total risk-based capital ratio | 14.1166% | 4,224 |
| Memoranda: | ||
| Average total assets | $37,170,250 | 7,266 |
| Average earning assets | $34,061,750 | 7,243 |
| Average equity | $4,801,750 | 7,082 |
| Average total loans | $31,564,750 | 6,592 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2523% | 1,327 |
| Cost of funding earning assets | 1.9243% | 4,141 |
| Net interest margin | 4.3281% | 1,582 |
| Noninterest income to average assets | 0.5992% | 3,703 |
| Noninterest expense to average assets | 3.3845% | 2,674 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7990% | 2,861 |
| Return on assets (ROA) | 0.7990% | 2,958 |
| Pretax return on assets | 1.1707% | 2,390 |
| Return on Equity (ROE) | 6.0243% | 3,636 |
| Retained earnings to average equity (ytd only) | 2.8866% | 3,723 |
| Net charge-offs to loans | 0.0986% | 5,180 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 14.0667% | 1,685 |
| Efficiency ratio | 74.2996% | 3,993 |
| Assets per employee ($millions) | 5.3240% | 1,745 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 5,761 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.7486% | 5,532 |
| Noncurrent loans to loans | 0.5366% | 6,196 |
| Net loans and leases to total assets | 84.0936% | 622 |
| Net loans and leases to deposits | 105.9356% | 768 |
| Net loans and leases to core deposits | 116.2032% | 2,693 |
| Total domestic deposits to total assets | 79.3818% | 5,693 |
| Equity capital to assets | 12.8716% | 1,754 |
| Core capital (leverage) ratio | 13.1567% | 1,382 |
| Tier 1 risk-based capital ratio | 14.3165% | 3,346 |
| Total risk-based capital ratio | 15.3357% | 3,405 |
| Memoranda: | ||
| Average total assets | $36,047,000 | 7,376 |
| Average earning assets | $32,947,670 | 7,362 |
| Average equity | $4,780,670 | 7,144 |
| Average total loans | $30,415,330 | 6,716 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2668% | 1,394 |
| Cost of funding earning assets | 1.9445% | 4,402 |
| Net interest margin | 4.3224% | 1,541 |
| Noninterest income to average assets | 0.8127% | 2,267 |
| Noninterest expense to average assets | 3.3976% | 2,365 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9143% | 2,639 |
| Return on assets (ROA) | 0.9143% | 2,782 |
| Pretax return on assets | 1.3545% | 2,105 |
| Return on Equity (ROE) | 6.7889% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.7889% | 2,293 |
| Net charge-offs to loans | -0.0269% | 7,524 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4964% | 4,272 |
| Assets per employee ($millions) | 4.3685% | 2,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 4,751 |
| Loan loss allowance to noncurrent loans | 134.2105% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 1.5623% | 3,589 |
| Noncurrent loans to loans | 0.8999% | 5,202 |
| Net loans and leases to total assets | 83.5556% | 758 |
| Net loans and leases to deposits | 108.7277% | 689 |
| Net loans and leases to core deposits | 119.6517% | 2,447 |
| Total domestic deposits to total assets | 76.8485% | 6,319 |
| Equity capital to assets | 13.7576% | 1,434 |
| Core capital (leverage) ratio | 13.6010% | 1,297 |
| Tier 1 risk-based capital ratio | 15.3282% | 2,929 |
| Total risk-based capital ratio | 16.4713% | 2,913 |
| Memoranda: | ||
| Average total assets | $35,436,500 | 7,430 |
| Average earning assets | $32,297,000 | 7,428 |
| Average equity | $4,772,500 | 7,196 |
| Average total loans | $29,783,000 | 6,782 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0446% | 1,018 |
| Cost of funding earning assets | 2.6995% | 3,159 |
| Net interest margin | 4.3451% | 1,836 |
| Noninterest income to average assets | 0.7593% | 2,726 |
| Noninterest expense to average assets | 4.2272% | 1,120 |
| Loan and lease loss provision to assets | 0.0425% | 6,881 |
| Net operating income to assets | 0.3485% | 5,357 |
| Return on assets (ROA) | 0.3485% | 5,171 |
| Pretax return on assets | 0.4845% | 5,015 |
| Return on Equity (ROE) | 2.6404% | 5,368 |
| Retained earnings to average equity (ytd only) | -2.4043% | 5,980 |
| Net charge-offs to loans | -0.0737% | 8,059 |
| Credit loss provision to net charge-offs | -68.1818% | 7,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9154% | 1,592 |
| Assets per employee ($millions) | 4.4906% | 2,632 |
| Cash dividends to net income (ytd only)* | 191.0569% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 4,680 |
| Loan loss allowance to noncurrent loans | 35,500.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 7,651 |
| Noncurrent loans to loans | 0.0033% | 7,551 |
| Net loans and leases to total assets | 82.5414% | 1,131 |
| Net loans and leases to deposits | 117.1916% | 471 |
| Net loans and leases to core deposits | 129.5740% | 1,880 |
| Total domestic deposits to total assets | 70.4328% | 7,228 |
| Equity capital to assets | 13.1858% | 1,713 |
| Core capital (leverage) ratio | 13.0363% | 1,529 |
| Tier 1 risk-based capital ratio | 14.7634% | 3,164 |
| Total risk-based capital ratio | 15.8768% | 3,159 |
| Memoranda: | ||
| Average total assets | $35,295,000 | 7,409 |
| Average earning assets | $32,450,200 | 7,388 |
| Average equity | $4,658,400 | 7,270 |
| Average total loans | $29,870,400 | 6,717 |