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Keystone State Savings Bank, Performance and Condition Ratios
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 | 3.4706% | 7,937 |
Cost of funding earning assets | 1.9046% | 3,863 |
Net interest margin | 1.5659% | 7,940 |
Noninterest income to average assets | 0.0974% | 7,417 |
Noninterest expense to average assets | 4.5236% | 725 |
Loan and lease loss provision to assets | 0.0000% | 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 loans | 0.0000% | 6,987 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 278.6667% | 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 loans | 1.3413% | 4,257 |
Loan loss allowance to noncurrent loans | 71.2121% | 3,769 |
Noncurrent assets plus other real estate owned to assets | 0.2682% | 6,831 |
Noncurrent loans to loans | 1.8836% | 3,793 |
Net loans and leases to total assets | 14.0494% | 7,998 |
Net loans and leases to deposits | 16.3932% | 8,011 |
Net loans and leases to core deposits | 17.3876% | 8,010 |
Total domestic deposits to total assets | 85.7027% | 2,865 |
Equity capital to assets | 12.7896% | 1,791 |
Core capital (leverage) ratio | 12.7105% | 1,493 |
Tier 1 risk-based capital ratio | 60.9117% | 115 |
Total risk-based capital ratio | 61.8235% | 114 |
Memoranda: | ||
Average total assets | $24,640,500 | 7,720 |
Average earning assets | $24,010,750 | 7,653 |
Average equity | $3,439,250 | 7,531 |
Average total loans | $3,833,250 | 8,003 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6923% | 7,995 |
Cost of funding earning assets | 1.9420% | 4,050 |
Net interest margin | 1.7503% | 7,957 |
Noninterest income to average assets | 0.0974% | 7,497 |
Noninterest expense to average assets | 5.6953% | 354 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | -4.4621% | 7,889 |
Return on assets (ROA) | -4.4621% | 7,887 |
Pretax return on assets | -3.8942% | 7,728 |
Return on Equity (ROE) | -31.1027% | 7,729 |
Retained earnings to average equity (ytd only) | -31.1027% | 7,702 |
Net charge-offs to loans | 0.0000% | 6,628 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 316.2162% | 76 |
Assets per employee ($millions) | 4.9606% | 2,127 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2675% | 4,485 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
Noncurrent loans to loans | 0.0000% | 7,580 |
Net loans and leases to total assets | 14.7603% | 8,079 |
Net loans and leases to deposits | 17.2469% | 8,095 |
Net loans and leases to core deposits | 18.2785% | 8,098 |
Total domestic deposits to total assets | 85.5824% | 2,973 |
Equity capital to assets | 12.8976% | 1,736 |
Core capital (leverage) ratio | 12.9503% | 1,449 |
Tier 1 risk-based capital ratio | 61.2143% | 133 |
Total risk-based capital ratio | 62.1145% | 132 |
Memoranda: | ||
Average total assets | $24,652,000 | 7,799 |
Average earning assets | $23,996,000 | 7,722 |
Average equity | $3,536,670 | 7,562 |
Average total loans | $3,943,000 | 8,088 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9527% | 8,003 |
Cost of funding earning assets | 1.9763% | 4,253 |
Net interest margin | 1.9763% | 7,907 |
Noninterest income to average assets | 0.0814% | 7,647 |
Noninterest expense to average assets | 3.2551% | 2,778 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | -1.3834% | 7,455 |
Return on assets (ROA) | -1.3834% | 7,469 |
Pretax return on assets | -1.2532% | 7,276 |
Return on Equity (ROE) | -9.1755% | 7,312 |
Retained earnings to average equity (ytd only) | -9.1755% | 7,030 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 162.6016% | 295 |
Assets per employee ($millions) | 4.9112% | 2,158 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1797% | 4,931 |
Loan loss allowance to noncurrent loans | 4,700.0000% | 111 |
Noncurrent assets plus other real estate owned to assets | 0.0041% | 7,644 |
Noncurrent loans to loans | 0.0251% | 7,484 |
Net loans and leases to total assets | 16.0327% | 8,115 |
Net loans and leases to deposits | 18.8753% | 8,138 |
Net loans and leases to core deposits | 20.1186% | 8,140 |
Total domestic deposits to total assets | 84.9405% | 3,236 |
Equity capital to assets | 14.9129% | 1,127 |
Core capital (leverage) ratio | 14.8879% | 993 |
Tier 1 risk-based capital ratio | 69.6687% | 109 |
Total risk-based capital ratio | 70.5636% | 109 |
Memoranda: | ||
Average total assets | $24,576,500 | 7,848 |
Average earning assets | $23,882,500 | 7,771 |
Average equity | $3,705,500 | 7,555 |
Average total loans | $4,060,500 | 8,135 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3196% | 8,062 |
Cost of funding earning assets | 2.6382% | 3,495 |
Net interest margin | 1.6814% | 8,155 |
Noninterest income to average assets | 0.0857% | 7,709 |
Noninterest expense to average assets | 2.1418% | 7,134 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | -0.3777% | 6,797 |
Return on assets (ROA) | -0.3777% | 6,674 |
Pretax return on assets | -0.4206% | 6,565 |
Return on Equity (ROE) | -2.5530% | 6,569 |
Retained earnings to average equity (ytd only) | -2.5530% | 6,004 |
Net charge-offs to loans | 0.0000% | 7,039 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 124.4344% | 525 |
Assets per employee ($millions) | 4.9194% | 2,033 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1361% | 5,018 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | 0.0000% | 7,569 |
Net loans and leases to total assets | 16.6280% | 8,179 |
Net loans and leases to deposits | 19.6417% | 8,195 |
Net loans and leases to core deposits | 20.9250% | 8,193 |
Total domestic deposits to total assets | 84.6567% | 3,002 |
Equity capital to assets | 15.2417% | 1,101 |
Core capital (leverage) ratio | 14.9100% | 1,060 |
Tier 1 risk-based capital ratio | 70.6393% | 119 |
Total risk-based capital ratio | 71.5256% | 119 |
Memoranda: | ||
Average total assets | $25,679,000 | 7,818 |
Average earning assets | $24,979,000 | 7,743 |
Average equity | $3,799,400 | 7,579 |
Average total loans | $3,380,800 | 8,212 |