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Keystone State Savings Bank, Performance and Condition Ratios

2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4706%7,937
Cost of funding earning assets1.9046%3,863
Net interest margin1.5659%7,940
Noninterest income to average assets0.0974%7,417
Noninterest expense to average assets4.5236%725
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets-3.2791%7,646
Return on assets (ROA)-3.2791%7,651
Pretax return on assets-2.9003%7,473
Return on Equity (ROE)-23.4929%7,475
Retained earnings to average equity (ytd only)-23.4929%7,448
Net charge-offs to loans0.0000%6,987
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio278.6667%71
Assets per employee ($millions)4.9212%2,241
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.3413%4,257
Loan loss allowance to noncurrent loans71.2121%3,769
Noncurrent assets plus other real estate owned to assets0.2682%6,831
Noncurrent loans to loans1.8836%3,793
Net loans and leases to total assets14.0494%7,998
Net loans and leases to deposits16.3932%8,011
Net loans and leases to core deposits17.3876%8,010
Total domestic deposits to total assets85.7027%2,865
Equity capital to assets12.7896%1,791
Core capital (leverage) ratio12.7105%1,493
Tier 1 risk-based capital ratio60.9117%115
Total risk-based capital ratio61.8235%114
Memoranda:
Average total assets$24,640,5007,720
Average earning assets$24,010,7507,653
Average equity$3,439,2507,531
Average total loans$3,833,2508,003
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6923%7,995
Cost of funding earning assets1.9420%4,050
Net interest margin1.7503%7,957
Noninterest income to average assets0.0974%7,497
Noninterest expense to average assets5.6953%354
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets-4.4621%7,889
Return on assets (ROA)-4.4621%7,887
Pretax return on assets-3.8942%7,728
Return on Equity (ROE)-31.1027%7,729
Retained earnings to average equity (ytd only)-31.1027%7,702
Net charge-offs to loans0.0000%6,628
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio316.2162%76
Assets per employee ($millions)4.9606%2,127
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.2675%4,485
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,675
Noncurrent loans to loans0.0000%7,580
Net loans and leases to total assets14.7603%8,079
Net loans and leases to deposits17.2469%8,095
Net loans and leases to core deposits18.2785%8,098
Total domestic deposits to total assets85.5824%2,973
Equity capital to assets12.8976%1,736
Core capital (leverage) ratio12.9503%1,449
Tier 1 risk-based capital ratio61.2143%133
Total risk-based capital ratio62.1145%132
Memoranda:
Average total assets$24,652,0007,799
Average earning assets$23,996,0007,722
Average equity$3,536,6707,562
Average total loans$3,943,0008,088
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9527%8,003
Cost of funding earning assets1.9763%4,253
Net interest margin1.9763%7,907
Noninterest income to average assets0.0814%7,647
Noninterest expense to average assets3.2551%2,778
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets-1.3834%7,455
Return on assets (ROA)-1.3834%7,469
Pretax return on assets-1.2532%7,276
Return on Equity (ROE)-9.1755%7,312
Retained earnings to average equity (ytd only)-9.1755%7,030
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio162.6016%295
Assets per employee ($millions)4.9112%2,158
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.1797%4,931
Loan loss allowance to noncurrent loans4,700.0000%111
Noncurrent assets plus other real estate owned to assets0.0041%7,644
Noncurrent loans to loans0.0251%7,484
Net loans and leases to total assets16.0327%8,115
Net loans and leases to deposits18.8753%8,138
Net loans and leases to core deposits20.1186%8,140
Total domestic deposits to total assets84.9405%3,236
Equity capital to assets14.9129%1,127
Core capital (leverage) ratio14.8879%993
Tier 1 risk-based capital ratio69.6687%109
Total risk-based capital ratio70.5636%109
Memoranda:
Average total assets$24,576,5007,848
Average earning assets$23,882,5007,771
Average equity$3,705,5007,555
Average total loans$4,060,5008,135
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3196%8,062
Cost of funding earning assets2.6382%3,495
Net interest margin1.6814%8,155
Noninterest income to average assets0.0857%7,709
Noninterest expense to average assets2.1418%7,134
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets-0.3777%6,797
Return on assets (ROA)-0.3777%6,674
Pretax return on assets-0.4206%6,565
Return on Equity (ROE)-2.5530%6,569
Retained earnings to average equity (ytd only)-2.5530%6,004
Net charge-offs to loans0.0000%7,039
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio124.4344%525
Assets per employee ($millions)4.9194%2,033
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.1361%5,018
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,674
Noncurrent loans to loans0.0000%7,569
Net loans and leases to total assets16.6280%8,179
Net loans and leases to deposits19.6417%8,195
Net loans and leases to core deposits20.9250%8,193
Total domestic deposits to total assets84.6567%3,002
Equity capital to assets15.2417%1,101
Core capital (leverage) ratio14.9100%1,060
Tier 1 risk-based capital ratio70.6393%119
Total risk-based capital ratio71.5256%119
Memoranda:
Average total assets$25,679,0007,818
Average earning assets$24,979,0007,743
Average equity$3,799,4007,579
Average total loans$3,380,8008,212