Home > Maritime Savings Bank > Performance and Condition Ratios
Maritime Savings Bank, Performance and Condition Ratios
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 7,401 |
| Cost of funding earning assets | 2.3714% | 264 |
| Net interest margin | 1.5730% | 7,730 |
| Noninterest income to average assets | 1.5942% | 512 |
| Noninterest expense to average assets | 2.9244% | 3,984 |
| Loan and lease loss provision to assets | 1.5854% | 827 |
| Net operating income to assets | -1.5865% | 7,183 |
| Return on assets (ROA) | -1.5871% | 7,196 |
| Pretax return on assets | -1.5871% | 7,113 |
| Return on Equity (ROE) | -50.2195% | 7,611 |
| Retained earnings to average equity (ytd only) | -50.2195% | 7,606 |
| Net charge-offs to loans | 1.6691% | 1,125 |
| Credit loss provision to net charge-offs | 134.4011% | 2,985 |
| Earnings coverage of net charge-offs (x) | -0.0009% | 5,717 |
| Efficiency ratio | 100.0375% | 799 |
| Assets per employee ($millions) | 5.3104% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3891% | 1,440 |
| Loan loss allowance to noncurrent loans | 16.7562% | 7,080 |
| Noncurrent assets plus other real estate owned to assets | 13.9660% | 180 |
| Noncurrent loans to loans | 14.2579% | 194 |
| Net loans and leases to total assets | 69.1156% | 3,101 |
| Net loans and leases to deposits | 97.6255% | 911 |
| Net loans and leases to core deposits | 103.6982% | 1,669 |
| Total domestic deposits to total assets | 70.7967% | 7,278 |
| Equity capital to assets | 2.6880% | 7,770 |
| Core capital (leverage) ratio | 2.5676% | 7,757 |
| Tier 1 risk-based capital ratio | 3.2418% | 7,766 |
| Total risk-based capital ratio | 4.5027% | 7,767 |
| Memoranda: | ||
| Average total assets | $365,204,000 | 1,833 |
| Average earning assets | $308,591,000 | 1,973 |
| Average equity | $11,541,330 | 4,793 |
| Average total loans | $258,096,330 | 1,763 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7453% | 7,614 |
| Cost of funding earning assets | 2.5894% | 167 |
| Net interest margin | 1.1559% | 7,868 |
| Noninterest income to average assets | 2.5768% | 247 |
| Noninterest expense to average assets | 2.8580% | 4,238 |
| Loan and lease loss provision to assets | -0.0891% | 7,867 |
| Net operating income to assets | 0.7870% | 3,027 |
| Return on assets (ROA) | 0.7859% | 3,148 |
| Pretax return on assets | 0.7859% | 3,929 |
| Return on Equity (ROE) | 23.2353% | 217 |
| Retained earnings to average equity (ytd only) | 23.2353% | 128 |
| Net charge-offs to loans | 0.9428% | 1,710 |
| Credit loss provision to net charge-offs | -13.3871% | 5,960 |
| Earnings coverage of net charge-offs (x) | 1.0484% | 4,137 |
| Efficiency ratio | 80.3744% | 2,510 |
| Assets per employee ($millions) | 4.7117% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1960% | 1,764 |
| Loan loss allowance to noncurrent loans | 14.0526% | 7,233 |
| Noncurrent assets plus other real estate owned to assets | 15.0334% | 135 |
| Noncurrent loans to loans | 15.6267% | 160 |
| Net loans and leases to total assets | 68.5570% | 3,266 |
| Net loans and leases to deposits | 96.3329% | 1,069 |
| Net loans and leases to core deposits | 103.7194% | 1,768 |
| Total domestic deposits to total assets | 71.1667% | 7,333 |
| Equity capital to assets | 3.5305% | 7,826 |
| Core capital (leverage) ratio | 3.4365% | 7,820 |
| Tier 1 risk-based capital ratio | 4.1875% | 7,836 |
| Total risk-based capital ratio | 5.4487% | 7,839 |
| Memoranda: | ||
| Average total assets | $372,562,000 | 1,841 |
| Average earning assets | $315,595,500 | 1,979 |
| Average equity | $12,601,500 | 4,562 |
| Average total loans | $263,059,000 | 1,783 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6553% | 7,204 |
| Cost of funding earning assets | 2.8859% | 325 |
| Net interest margin | 1.7694% | 7,817 |
| Noninterest income to average assets | 0.9175% | 1,878 |
| Noninterest expense to average assets | 2.5995% | 5,799 |
| Loan and lease loss provision to assets | 5.5983% | 140 |
| Net operating income to assets | -5.3810% | 7,789 |
| Return on assets (ROA) | -5.3661% | 7,779 |
| Pretax return on assets | -5.7347% | 7,780 |
| Return on Equity (ROE) | -89.9709% | 7,902 |
| Retained earnings to average equity (ytd only) | -89.9709% | 7,900 |
| Net charge-offs to loans | 3.9770% | 421 |
| Credit loss provision to net charge-offs | 179.9229% | 2,313 |
| Earnings coverage of net charge-offs (x) | -0.0489% | 6,272 |
| Efficiency ratio | 106.2226% | 903 |
| Assets per employee ($millions) | 4.6051% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3705% | 1,388 |
| Loan loss allowance to noncurrent loans | 20.5774% | 7,037 |
| Noncurrent assets plus other real estate owned to assets | 10.6219% | 330 |
| Noncurrent loans to loans | 11.5200% | 308 |
| Net loans and leases to total assets | 69.4207% | 3,383 |
| Net loans and leases to deposits | 99.3478% | 960 |
| Net loans and leases to core deposits | 139.9350% | 817 |
| Total domestic deposits to total assets | 69.8765% | 7,437 |
| Equity capital to assets | 3.2382% | 7,906 |
| Core capital (leverage) ratio | 3.1502% | 7,901 |
| Tier 1 risk-based capital ratio | 3.7775% | 7,916 |
| Total risk-based capital ratio | 5.0348% | 7,917 |
| Memoranda: | ||
| Average total assets | $392,032,800 | 1,755 |
| Average earning assets | $338,928,200 | 1,839 |
| Average equity | $23,382,000 | 2,792 |
| Average total loans | $306,716,600 | 1,564 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7685% | 7,174 |
| Cost of funding earning assets | 2.9841% | 346 |
| Net interest margin | 1.7844% | 7,887 |
| Noninterest income to average assets | 0.9466% | 1,792 |
| Noninterest expense to average assets | 2.4385% | 6,282 |
| Loan and lease loss provision to assets | 6.5392% | 85 |
| Net operating income to assets | -6.8142% | 7,972 |
| Return on assets (ROA) | -6.7933% | 7,969 |
| Pretax return on assets | -6.4613% | 7,937 |
| Return on Equity (ROE) | -102.6983% | 8,017 |
| Retained earnings to average equity (ytd only) | -102.6983% | 8,015 |
| Net charge-offs to loans | 4.4594% | 288 |
| Credit loss provision to net charge-offs | 183.4373% | 2,490 |
| Earnings coverage of net charge-offs (x) | 0.0160% | 6,042 |
| Efficiency ratio | 97.7178% | 1,178 |
| Assets per employee ($millions) | 4.4292% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9820% | 1,843 |
| Loan loss allowance to noncurrent loans | 19.2175% | 7,128 |
| Noncurrent assets plus other real estate owned to assets | 9.4434% | 387 |
| Noncurrent loans to loans | 10.3134% | 377 |
| Net loans and leases to total assets | 77.1762% | 1,748 |
| Net loans and leases to deposits | 111.8925% | 394 |
| Net loans and leases to core deposits | 138.4339% | 991 |
| Total domestic deposits to total assets | 68.9735% | 7,498 |
| Equity capital to assets | 3.5415% | 8,021 |
| Core capital (leverage) ratio | 3.4343% | 8,011 |
| Tier 1 risk-based capital ratio | 3.8337% | 8,031 |
| Total risk-based capital ratio | 5.0927% | 8,034 |
| Memoranda: | ||
| Average total assets | $395,637,250 | 1,749 |
| Average earning assets | $343,409,750 | 1,836 |
| Average equity | $26,170,500 | 2,546 |
| Average total loans | $316,268,750 | 1,535 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8872% | 7,064 |
| Cost of funding earning assets | 3.0744% | 380 |
| Net interest margin | 1.8128% | 7,935 |
| Noninterest income to average assets | 1.0087% | 1,565 |
| Noninterest expense to average assets | 2.3499% | 6,625 |
| Loan and lease loss provision to assets | 3.1430% | 474 |
| Net operating income to assets | -1.7124% | 7,329 |
| Return on assets (ROA) | -1.6927% | 7,318 |
| Pretax return on assets | -2.8823% | 7,535 |
| Return on Equity (ROE) | -22.3920% | 7,573 |
| Retained earnings to average equity (ytd only) | -22.3920% | 7,530 |
| Net charge-offs to loans | 0.8301% | 2,035 |
| Credit loss provision to net charge-offs | 471.4498% | 984 |
| Earnings coverage of net charge-offs (x) | 0.3450% | 5,339 |
| Efficiency ratio | 91.0855% | 1,721 |
| Assets per employee ($millions) | 4.5553% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 5,957 |
| Loan loss allowance to noncurrent loans | 11.1130% | 7,476 |
| Noncurrent assets plus other real estate owned to assets | 8.9559% | 382 |
| Noncurrent loans to loans | 9.3751% | 403 |
| Net loans and leases to total assets | 75.8835% | 2,209 |
| Net loans and leases to deposits | 115.9820% | 331 |
| Net loans and leases to core deposits | 144.6655% | 811 |
| Total domestic deposits to total assets | 65.4270% | 7,772 |
| Equity capital to assets | 7.3040% | 7,409 |
| Core capital (leverage) ratio | 6.6125% | 7,738 |
| Tier 1 risk-based capital ratio | 8.0717% | 7,905 |
| Total risk-based capital ratio | 9.1145% | 7,943 |
| Memoranda: | ||
| Average total assets | $403,499,670 | 1,741 |
| Average earning assets | $349,729,330 | 1,820 |
| Average equity | $30,502,000 | 2,232 |
| Average total loans | $324,045,000 | 1,536 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0457% | 6,811 |
| Cost of funding earning assets | 3.2025% | 343 |
| Net interest margin | 1.8432% | 7,960 |
| Noninterest income to average assets | 1.0205% | 1,428 |
| Noninterest expense to average assets | 2.8439% | 4,365 |
| Loan and lease loss provision to assets | 6.1201% | 122 |
| Net operating income to assets | -3.7875% | 7,963 |
| Return on assets (ROA) | -3.7442% | 7,948 |
| Pretax return on assets | -6.2752% | 8,063 |
| Return on Equity (ROE) | -48.7026% | 8,041 |
| Retained earnings to average equity (ytd only) | -48.7026% | 8,024 |
| Net charge-offs to loans | 1.6054% | 903 |
| Credit loss provision to net charge-offs | 464.1296% | 1,147 |
| Earnings coverage of net charge-offs (x) | -0.1688% | 5,116 |
| Efficiency ratio | 108.4913% | 849 |
| Assets per employee ($millions) | 4.3437% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 6,161 |
| Loan loss allowance to noncurrent loans | 9.5994% | 7,517 |
| Noncurrent assets plus other real estate owned to assets | 10.0181% | 227 |
| Noncurrent loans to loans | 10.4375% | 261 |
| Net loans and leases to total assets | 80.9153% | 1,220 |
| Net loans and leases to deposits | 128.3687% | 158 |
| Net loans and leases to core deposits | 167.8115% | 377 |
| Total domestic deposits to total assets | 63.0335% | 7,881 |
| Equity capital to assets | 7.3716% | 7,439 |
| Core capital (leverage) ratio | 6.6559% | 7,816 |
| Tier 1 risk-based capital ratio | 7.6185% | 8,044 |
| Total risk-based capital ratio | 8.6222% | 8,081 |
| Memoranda: | ||
| Average total assets | $402,539,500 | 1,747 |
| Average earning assets | $349,603,000 | 1,832 |
| Average equity | $30,947,000 | 2,193 |
| Average total loans | $330,624,500 | 1,521 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9596% | 5,756 |
| Cost of funding earning assets | 3.5863% | 407 |
| Net interest margin | 2.3733% | 7,870 |
| Noninterest income to average assets | 0.8577% | 2,177 |
| Noninterest expense to average assets | 2.7194% | 5,176 |
| Loan and lease loss provision to assets | 0.3650% | 3,500 |
| Net operating income to assets | 0.0278% | 6,290 |
| Return on assets (ROA) | 0.0278% | 6,141 |
| Pretax return on assets | -0.1284% | 6,300 |
| Return on Equity (ROE) | 0.3380% | 6,123 |
| Retained earnings to average equity (ytd only) | 0.3380% | 5,038 |
| Net charge-offs to loans | 0.2929% | 3,440 |
| Credit loss provision to net charge-offs | 151.8248% | 3,452 |
| Earnings coverage of net charge-offs (x) | 0.9844% | 5,636 |
| Efficiency ratio | 91.9939% | 1,379 |
| Assets per employee ($millions) | 4.4544% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4149% | 7,959 |
| Loan loss allowance to noncurrent loans | 18.2968% | 7,303 |
| Noncurrent assets plus other real estate owned to assets | 3.2252% | 1,413 |
| Noncurrent loans to loans | 2.2675% | 2,433 |
| Net loans and leases to total assets | 82.1786% | 1,196 |
| Net loans and leases to deposits | 135.0356% | 149 |
| Net loans and leases to core deposits | 167.3310% | 455 |
| Total domestic deposits to total assets | 60.8570% | 7,932 |
| Equity capital to assets | 7.9931% | 6,852 |
| Core capital (leverage) ratio | 8.0275% | 6,446 |
| Tier 1 risk-based capital ratio | 9.6941% | 7,092 |
| Total risk-based capital ratio | 10.1073% | 7,908 |
| Memoranda: | ||
| Average total assets | $398,877,200 | 1,702 |
| Average earning assets | $352,675,400 | 1,756 |
| Average equity | $32,839,600 | 2,060 |
| Average total loans | $327,446,000 | 1,486 |