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Lincoln Park Savings 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 | 4.2983% | 7,133 |
| Cost of funding earning assets | 2.0484% | 946 |
| Net interest margin | 2.2498% | 7,624 |
| Noninterest income to average assets | 0.6594% | 2,884 |
| Noninterest expense to average assets | 4.4212% | 629 |
| Loan and lease loss provision to assets | 0.0641% | 5,998 |
| Net operating income to assets | -1.8338% | 7,421 |
| Return on assets (ROA) | -1.8338% | 7,423 |
| Pretax return on assets | -1.8338% | 7,361 |
| Return on Equity (ROE) | -110.8419% | 7,841 |
| Retained earnings to average equity (ytd only) | -110.8419% | 7,838 |
| Net charge-offs to loans | 0.4992% | 2,567 |
| Credit loss provision to net charge-offs | 15.7635% | 4,986 |
| Earnings coverage of net charge-offs (x) | -4.3498% | 5,525 |
| Efficiency ratio | 166.7423% | 156 |
| Assets per employee ($millions) | 4.2308% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8812% | 913 |
| Loan loss allowance to noncurrent loans | 14.2587% | 7,226 |
| Noncurrent assets plus other real estate owned to assets | 19.0851% | 65 |
| Noncurrent loans to loans | 20.2063% | 73 |
| Net loans and leases to total assets | 78.3566% | 1,083 |
| Net loans and leases to deposits | 93.7704% | 1,375 |
| Net loans and leases to core deposits | 95.3166% | 2,662 |
| Total domestic deposits to total assets | 83.5622% | 4,357 |
| Equity capital to assets | 1.4721% | 7,898 |
| Core capital (leverage) ratio | 1.3432% | 7,899 |
| Tier 1 risk-based capital ratio | 1.8497% | 7,901 |
| Total risk-based capital ratio | 2.7791% | 7,907 |
| Memoranda: | ||
| Average total assets | $199,583,500 | 3,223 |
| Average earning assets | $176,723,000 | 3,299 |
| Average equity | $3,302,000 | 7,404 |
| Average total loans | $162,645,500 | 2,730 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0942% | 6,112 |
| Cost of funding earning assets | 2.8015% | 444 |
| Net interest margin | 2.2926% | 7,601 |
| Noninterest income to average assets | 1.5149% | 627 |
| Noninterest expense to average assets | 5.3399% | 428 |
| Loan and lease loss provision to assets | 2.4860% | 798 |
| Net operating income to assets | -4.2652% | 7,644 |
| Return on assets (ROA) | -4.2131% | 7,640 |
| Pretax return on assets | -4.2268% | 7,578 |
| Return on Equity (ROE) | -104.4364% | 7,940 |
| Retained earnings to average equity (ytd only) | -104.4364% | 7,940 |
| Net charge-offs to loans | 2.7901% | 798 |
| Credit loss provision to net charge-offs | 113.6981% | 4,820 |
| Earnings coverage of net charge-offs (x) | -0.8200% | 6,844 |
| Efficiency ratio | 150.5470% | 311 |
| Assets per employee ($millions) | 2.7273% | 6,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7901% | 939 |
| Loan loss allowance to noncurrent loans | 15.6495% | 7,229 |
| Noncurrent assets plus other real estate owned to assets | 16.4337% | 107 |
| Noncurrent loans to loans | 17.8290% | 104 |
| Net loans and leases to total assets | 79.9691% | 995 |
| Net loans and leases to deposits | 95.3968% | 1,404 |
| Net loans and leases to core deposits | 109.7892% | 2,915 |
| Total domestic deposits to total assets | 83.8278% | 4,110 |
| Equity capital to assets | 1.8279% | 7,962 |
| Core capital (leverage) ratio | 1.6678% | 7,965 |
| Tier 1 risk-based capital ratio | 2.4331% | 7,959 |
| Total risk-based capital ratio | 3.7066% | 7,961 |
| Memoranda: | ||
| Average total assets | $219,029,800 | 2,958 |
| Average earning assets | $194,144,000 | 3,048 |
| Average equity | $8,836,000 | 5,655 |
| Average total loans | $171,641,200 | 2,604 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1770% | 5,977 |
| Cost of funding earning assets | 2.9098% | 442 |
| Net interest margin | 2.2672% | 7,677 |
| Noninterest income to average assets | 1.6031% | 575 |
| Noninterest expense to average assets | 5.0056% | 487 |
| Loan and lease loss provision to assets | 1.6156% | 1,169 |
| Net operating income to assets | -2.9928% | 7,582 |
| Return on assets (ROA) | -2.9732% | 7,585 |
| Pretax return on assets | -2.9912% | 7,498 |
| Return on Equity (ROE) | -65.4764% | 7,916 |
| Retained earnings to average equity (ytd only) | -65.4764% | 7,914 |
| Net charge-offs to loans | 1.4061% | 1,465 |
| Credit loss provision to net charge-offs | 148.3233% | 3,253 |
| Earnings coverage of net charge-offs (x) | -1.2809% | 6,678 |
| Efficiency ratio | 138.6465% | 397 |
| Assets per employee ($millions) | 2.9101% | 6,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8153% | 778 |
| Loan loss allowance to noncurrent loans | 17.6811% | 7,209 |
| Noncurrent assets plus other real estate owned to assets | 14.8609% | 123 |
| Noncurrent loans to loans | 15.9229% | 125 |
| Net loans and leases to total assets | 78.8335% | 1,417 |
| Net loans and leases to deposits | 95.5761% | 1,639 |
| Net loans and leases to core deposits | 113.7779% | 2,853 |
| Total domestic deposits to total assets | 82.4825% | 4,462 |
| Equity capital to assets | 3.7274% | 8,009 |
| Core capital (leverage) ratio | 3.5538% | 8,005 |
| Tier 1 risk-based capital ratio | 4.9658% | 7,997 |
| Total risk-based capital ratio | 6.2389% | 8,001 |
| Memoranda: | ||
| Average total assets | $222,650,000 | 2,920 |
| Average earning assets | $197,123,750 | 3,027 |
| Average equity | $10,110,250 | 5,310 |
| Average total loans | $172,483,750 | 2,628 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3984% | 5,165 |
| Cost of funding earning assets | 2.9453% | 547 |
| Net interest margin | 2.4531% | 7,522 |
| Noninterest income to average assets | 1.5959% | 589 |
| Noninterest expense to average assets | 5.2425% | 443 |
| Loan and lease loss provision to assets | 1.9379% | 842 |
| Net operating income to assets | -3.4147% | 7,753 |
| Return on assets (ROA) | -3.3854% | 7,746 |
| Pretax return on assets | -3.3854% | 7,659 |
| Return on Equity (ROE) | -70.5251% | 8,020 |
| Retained earnings to average equity (ytd only) | -70.5251% | 8,016 |
| Net charge-offs to loans | 2.1182% | 869 |
| Credit loss provision to net charge-offs | 119.9010% | 3,876 |
| Earnings coverage of net charge-offs (x) | -0.9137% | 6,213 |
| Efficiency ratio | 139.2166% | 439 |
| Assets per employee ($millions) | 3.0597% | 5,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5429% | 865 |
| Loan loss allowance to noncurrent loans | 21.1029% | 7,070 |
| Noncurrent assets plus other real estate owned to assets | 11.0895% | 228 |
| Noncurrent loans to loans | 12.0500% | 223 |
| Net loans and leases to total assets | 75.5161% | 2,309 |
| Net loans and leases to deposits | 92.3611% | 2,402 |
| Net loans and leases to core deposits | 109.6749% | 3,410 |
| Total domestic deposits to total assets | 81.7618% | 4,790 |
| Equity capital to assets | 4.0415% | 8,097 |
| Core capital (leverage) ratio | 4.0411% | 8,093 |
| Tier 1 risk-based capital ratio | 5.6081% | 8,074 |
| Total risk-based capital ratio | 6.8765% | 8,080 |
| Memoranda: | ||
| Average total assets | $225,083,330 | 2,914 |
| Average earning assets | $199,096,000 | 3,014 |
| Average equity | $10,804,670 | 5,135 |
| Average total loans | $171,749,670 | 2,667 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8205% | 3,196 |
| Cost of funding earning assets | 3.0533% | 526 |
| Net interest margin | 2.7671% | 7,058 |
| Noninterest income to average assets | 0.9914% | 1,507 |
| Noninterest expense to average assets | 4.4825% | 722 |
| Loan and lease loss provision to assets | 3.1848% | 340 |
| Net operating income to assets | -4.2452% | 8,001 |
| Return on assets (ROA) | -4.1868% | 7,988 |
| Pretax return on assets | -4.1868% | 7,925 |
| Return on Equity (ROE) | -80.8996% | 8,125 |
| Retained earnings to average equity (ytd only) | -80.8996% | 8,116 |
| Net charge-offs to loans | 4.2364% | 281 |
| Credit loss provision to net charge-offs | 99.2826% | 3,818 |
| Earnings coverage of net charge-offs (x) | -0.3306% | 5,195 |
| Efficiency ratio | 130.9881% | 495 |
| Assets per employee ($millions) | 3.7097% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3568% | 893 |
| Loan loss allowance to noncurrent loans | 19.2918% | 7,205 |
| Noncurrent assets plus other real estate owned to assets | 12.0609% | 141 |
| Noncurrent loans to loans | 12.2165% | 169 |
| Net loans and leases to total assets | 76.2089% | 2,225 |
| Net loans and leases to deposits | 94.2986% | 2,221 |
| Net loans and leases to core deposits | 114.4174% | 2,968 |
| Total domestic deposits to total assets | 80.8166% | 5,033 |
| Equity capital to assets | 4.7996% | 8,127 |
| Core capital (leverage) ratio | 4.5388% | 8,146 |
| Tier 1 risk-based capital ratio | 6.3624% | 8,127 |
| Total risk-based capital ratio | 7.6276% | 8,132 |
| Memoranda: | ||
| Average total assets | $225,947,500 | 2,917 |
| Average earning assets | $198,472,000 | 3,035 |
| Average equity | $11,693,500 | 4,924 |
| Average total loans | $171,089,500 | 2,690 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4451% | 3,206 |
| Cost of funding earning assets | 3.5696% | 433 |
| Net interest margin | 2.8755% | 7,201 |
| Noninterest income to average assets | 0.6285% | 3,645 |
| Noninterest expense to average assets | 4.0593% | 1,332 |
| Loan and lease loss provision to assets | 1.3706% | 1,018 |
| Net operating income to assets | -2.8831% | 7,797 |
| Return on assets (ROA) | -3.1051% | 7,819 |
| Pretax return on assets | -2.5078% | 7,594 |
| Return on Equity (ROE) | -40.5145% | 8,081 |
| Retained earnings to average equity (ytd only) | -40.5145% | 8,054 |
| Net charge-offs to loans | 0.5884% | 2,064 |
| Credit loss provision to net charge-offs | 319.1022% | 1,416 |
| Earnings coverage of net charge-offs (x) | -2.1309% | 6,715 |
| Efficiency ratio | 129.1101% | 471 |
| Assets per employee ($millions) | 3.6410% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3571% | 794 |
| Loan loss allowance to noncurrent loans | 47.1185% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 6.3329% | 449 |
| Noncurrent loans to loans | 5.0025% | 881 |
| Net loans and leases to total assets | 71.8015% | 3,629 |
| Net loans and leases to deposits | 90.3589% | 3,394 |
| Net loans and leases to core deposits | 114.7692% | 3,259 |
| Total domestic deposits to total assets | 79.4625% | 5,218 |
| Equity capital to assets | 5.5282% | 8,131 |
| Core capital (leverage) ratio | 5.3684% | 8,180 |
| Tier 1 risk-based capital ratio | 7.6643% | 8,117 |
| Total risk-based capital ratio | 8.9290% | 8,147 |
| Memoranda: | ||
| Average total assets | $243,762,800 | 2,616 |
| Average earning assets | $213,246,200 | 2,733 |
| Average equity | $18,682,200 | 3,446 |
| Average total loans | $177,926,400 | 2,525 |