Home > Pamrapo Savings Bank, SLA > Performance and Condition Ratios
Pamrapo Savings Bank, SLA, 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 | 5.6081% | 2,113 |
| Cost of funding earning assets | 1.6283% | 2,490 |
| Net interest margin | 3.9798% | 3,116 |
| Noninterest income to average assets | 0.1762% | 6,643 |
| Noninterest expense to average assets | 3.8331% | 1,299 |
| Loan and lease loss provision to assets | 0.6594% | 2,186 |
| Net operating income to assets | -0.5568% | 6,704 |
| Return on assets (ROA) | -0.5568% | 6,735 |
| Pretax return on assets | -0.4985% | 6,586 |
| Return on Equity (ROE) | -6.4050% | 6,796 |
| Retained earnings to average equity (ytd only) | -6.4050% | 6,686 |
| Net charge-offs to loans | 0.6926% | 2,486 |
| Credit loss provision to net charge-offs | 123.1190% | 3,281 |
| Earnings coverage of net charge-offs (x) | 0.3003% | 5,425 |
| Efficiency ratio | 95.9736% | 969 |
| Assets per employee ($millions) | 6.2932% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 5,873 |
| Loan loss allowance to noncurrent loans | 20.9748% | 6,895 |
| Noncurrent assets plus other real estate owned to assets | 4.3214% | 1,546 |
| Noncurrent loans to loans | 5.3116% | 1,267 |
| Net loans and leases to total assets | 77.6719% | 1,169 |
| Net loans and leases to deposits | 94.3708% | 1,226 |
| Net loans and leases to core deposits | 101.5970% | 1,859 |
| Total domestic deposits to total assets | 82.3050% | 4,866 |
| Equity capital to assets | 8.7761% | 5,782 |
| Core capital (leverage) ratio | 9.1008% | 4,460 |
| Tier 1 risk-based capital ratio | 13.5144% | 4,057 |
| Total risk-based capital ratio | 14.7645% | 4,021 |
| Memoranda: | ||
| Average total assets | $545,985,330 | 1,249 |
| Average earning assets | $523,743,330 | 1,182 |
| Average equity | $47,463,000 | 1,414 |
| Average total loans | $422,203,670 | 1,080 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6131% | 2,097 |
| Cost of funding earning assets | 1.6472% | 2,669 |
| Net interest margin | 3.9658% | 3,022 |
| Noninterest income to average assets | 0.1817% | 6,656 |
| Noninterest expense to average assets | 3.2467% | 2,712 |
| Loan and lease loss provision to assets | 0.5048% | 2,474 |
| Net operating income to assets | 0.1803% | 5,754 |
| Return on assets (ROA) | 0.1803% | 5,883 |
| Pretax return on assets | 0.2344% | 5,785 |
| Return on Equity (ROE) | 2.0834% | 5,734 |
| Retained earnings to average equity (ytd only) | 2.0834% | 4,883 |
| Net charge-offs to loans | 0.4820% | 2,614 |
| Credit loss provision to net charge-offs | 136.4522% | 2,586 |
| Earnings coverage of net charge-offs (x) | 1.9981% | 3,544 |
| Efficiency ratio | 81.4547% | 2,357 |
| Assets per employee ($millions) | 6.4799% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 6,217 |
| Loan loss allowance to noncurrent loans | 20.3086% | 6,991 |
| Noncurrent assets plus other real estate owned to assets | 4.1439% | 1,647 |
| Noncurrent loans to loans | 5.1794% | 1,384 |
| Net loans and leases to total assets | 76.4279% | 1,450 |
| Net loans and leases to deposits | 95.6762% | 1,150 |
| Net loans and leases to core deposits | 103.3657% | 1,789 |
| Total domestic deposits to total assets | 79.8818% | 5,825 |
| Equity capital to assets | 8.7398% | 5,670 |
| Core capital (leverage) ratio | 9.0561% | 4,463 |
| Tier 1 risk-based capital ratio | 13.4955% | 3,985 |
| Total risk-based capital ratio | 14.7087% | 3,978 |
| Memoranda: | ||
| Average total assets | $554,663,500 | 1,249 |
| Average earning assets | $532,045,000 | 1,192 |
| Average equity | $47,998,000 | 1,401 |
| Average total loans | $425,694,500 | 1,105 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7367% | 2,925 |
| Cost of funding earning assets | 2.0659% | 2,652 |
| Net interest margin | 3.6709% | 4,252 |
| Noninterest income to average assets | 0.3094% | 5,868 |
| Noninterest expense to average assets | 4.0700% | 1,273 |
| Loan and lease loss provision to assets | 0.6938% | 3,047 |
| Net operating income to assets | -0.8704% | 6,489 |
| Return on assets (ROA) | -0.8704% | 6,490 |
| Pretax return on assets | -0.9340% | 6,367 |
| Return on Equity (ROE) | -10.1182% | 6,636 |
| Retained earnings to average equity (ytd only) | -10.1182% | 6,533 |
| Net charge-offs to loans | 0.7682% | 2,904 |
| Credit loss provision to net charge-offs | 121.4911% | 4,377 |
| Earnings coverage of net charge-offs (x) | -0.4205% | 6,647 |
| Efficiency ratio | 106.2700% | 902 |
| Assets per employee ($millions) | 6.4200% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 6,334 |
| Loan loss allowance to noncurrent loans | 21.1774% | 7,007 |
| Noncurrent assets plus other real estate owned to assets | 3.6939% | 1,804 |
| Noncurrent loans to loans | 4.7535% | 1,459 |
| Net loans and leases to total assets | 75.4952% | 1,920 |
| Net loans and leases to deposits | 93.8423% | 1,609 |
| Net loans and leases to core deposits | 118.9335% | 2,042 |
| Total domestic deposits to total assets | 80.4491% | 5,536 |
| Equity capital to assets | 8.5685% | 5,770 |
| Core capital (leverage) ratio | 8.8855% | 4,615 |
| Tier 1 risk-based capital ratio | 13.4631% | 3,846 |
| Total risk-based capital ratio | 14.6287% | 3,838 |
| Memoranda: | ||
| Average total assets | $580,099,600 | 1,194 |
| Average earning assets | $556,326,400 | 1,132 |
| Average equity | $49,900,000 | 1,348 |
| Average total loans | $431,240,000 | 1,111 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7200% | 3,239 |
| Cost of funding earning assets | 2.1522% | 2,633 |
| Net interest margin | 3.5678% | 4,603 |
| Noninterest income to average assets | 0.3475% | 5,718 |
| Noninterest expense to average assets | 3.7663% | 1,669 |
| Loan and lease loss provision to assets | 0.5067% | 3,359 |
| Net operating income to assets | -0.5903% | 6,518 |
| Return on assets (ROA) | -0.5903% | 6,516 |
| Pretax return on assets | -0.5049% | 6,304 |
| Return on Equity (ROE) | -6.8555% | 6,649 |
| Retained earnings to average equity (ytd only) | -6.8555% | 6,494 |
| Net charge-offs to loans | 0.4346% | 3,504 |
| Credit loss provision to net charge-offs | 157.8014% | 3,021 |
| Earnings coverage of net charge-offs (x) | 0.0057% | 6,058 |
| Efficiency ratio | 99.9517% | 1,064 |
| Assets per employee ($millions) | 6.5064% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 6,112 |
| Loan loss allowance to noncurrent loans | 22.7596% | 6,930 |
| Noncurrent assets plus other real estate owned to assets | 3.5308% | 1,876 |
| Noncurrent loans to loans | 4.5232% | 1,540 |
| Net loans and leases to total assets | 73.7279% | 2,614 |
| Net loans and leases to deposits | 93.2793% | 2,005 |
| Net loans and leases to core deposits | 119.0434% | 2,332 |
| Total domestic deposits to total assets | 79.0400% | 5,789 |
| Equity capital to assets | 8.5760% | 6,143 |
| Core capital (leverage) ratio | 9.1101% | 4,475 |
| Tier 1 risk-based capital ratio | 13.9182% | 3,595 |
| Total risk-based capital ratio | 15.0938% | 3,588 |
| Memoranda: | ||
| Average total assets | $585,490,500 | 1,190 |
| Average earning assets | $561,337,250 | 1,135 |
| Average equity | $50,410,500 | 1,351 |
| Average total loans | $432,561,000 | 1,127 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7972% | 3,057 |
| Cost of funding earning assets | 2.2477% | 2,590 |
| Net interest margin | 3.5495% | 4,573 |
| Noninterest income to average assets | 0.4093% | 5,205 |
| Noninterest expense to average assets | 4.1662% | 1,109 |
| Loan and lease loss provision to assets | 0.4663% | 3,188 |
| Net operating income to assets | -0.9213% | 6,911 |
| Return on assets (ROA) | -0.9213% | 6,922 |
| Pretax return on assets | -0.8216% | 6,693 |
| Return on Equity (ROE) | -10.6871% | 7,086 |
| Retained earnings to average equity (ytd only) | -10.6871% | 6,943 |
| Net charge-offs to loans | 0.3465% | 3,452 |
| Credit loss provision to net charge-offs | 182.6029% | 2,516 |
| Earnings coverage of net charge-offs (x) | -1.3918% | 6,305 |
| Efficiency ratio | 109.3255% | 864 |
| Assets per employee ($millions) | 6.4847% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 6,359 |
| Loan loss allowance to noncurrent loans | 23.4460% | 6,941 |
| Noncurrent assets plus other real estate owned to assets | 3.1762% | 1,977 |
| Noncurrent loans to loans | 4.1915% | 1,584 |
| Net loans and leases to total assets | 73.2887% | 2,885 |
| Net loans and leases to deposits | 93.1050% | 2,251 |
| Net loans and leases to core deposits | 118.5712% | 2,493 |
| Total domestic deposits to total assets | 78.7161% | 5,895 |
| Equity capital to assets | 8.4723% | 6,088 |
| Core capital (leverage) ratio | 9.0162% | 4,599 |
| Tier 1 risk-based capital ratio | 13.8263% | 3,610 |
| Total risk-based capital ratio | 14.9455% | 3,619 |
| Memoranda: | ||
| Average total assets | $589,798,670 | 1,208 |
| Average earning assets | $565,205,000 | 1,148 |
| Average equity | $50,846,330 | 1,347 |
| Average total loans | $434,570,670 | 1,149 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8701% | 2,939 |
| Cost of funding earning assets | 2.3088% | 2,658 |
| Net interest margin | 3.5612% | 4,483 |
| Noninterest income to average assets | 0.5784% | 3,699 |
| Noninterest expense to average assets | 2.9363% | 4,028 |
| Loan and lease loss provision to assets | 0.3523% | 3,202 |
| Net operating income to assets | 0.4489% | 4,654 |
| Return on assets (ROA) | 0.4489% | 4,826 |
| Pretax return on assets | 0.7032% | 4,428 |
| Return on Equity (ROE) | 5.1639% | 4,402 |
| Retained earnings to average equity (ytd only) | 5.1639% | 3,033 |
| Net charge-offs to loans | 0.1323% | 3,901 |
| Credit loss provision to net charge-offs | 362.0690% | 1,404 |
| Earnings coverage of net charge-offs (x) | 10.8483% | 1,911 |
| Efficiency ratio | 73.5586% | 3,906 |
| Assets per employee ($millions) | 6.8941% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 6,704 |
| Loan loss allowance to noncurrent loans | 26.7009% | 6,791 |
| Noncurrent assets plus other real estate owned to assets | 2.5708% | 2,230 |
| Noncurrent loans to loans | 3.4056% | 1,880 |
| Net loans and leases to total assets | 72.7095% | 3,070 |
| Net loans and leases to deposits | 97.9409% | 1,675 |
| Net loans and leases to core deposits | 126.4172% | 1,893 |
| Total domestic deposits to total assets | 74.2381% | 6,846 |
| Equity capital to assets | 8.8014% | 5,623 |
| Core capital (leverage) ratio | 9.3490% | 4,174 |
| Tier 1 risk-based capital ratio | 14.5208% | 3,299 |
| Total risk-based capital ratio | 15.5606% | 3,349 |
| Memoranda: | ||
| Average total assets | $596,127,500 | 1,197 |
| Average earning assets | $571,375,000 | 1,143 |
| Average equity | $51,821,000 | 1,319 |
| Average total loans | $438,267,500 | 1,152 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9396% | 5,853 |
| Cost of funding earning assets | 2.5812% | 3,785 |
| Net interest margin | 3.3583% | 5,830 |
| Noninterest income to average assets | 0.3492% | 5,939 |
| Noninterest expense to average assets | 2.5041% | 5,983 |
| Loan and lease loss provision to assets | 0.2618% | 4,310 |
| Net operating income to assets | 0.4818% | 4,818 |
| Return on assets (ROA) | 0.4818% | 4,639 |
| Pretax return on assets | 0.8032% | 4,060 |
| Return on Equity (ROE) | 5.4632% | 4,174 |
| Retained earnings to average equity (ytd only) | -1.4592% | 5,725 |
| Net charge-offs to loans | 0.1158% | 5,104 |
| Credit loss provision to net charge-offs | 321.4990% | 1,405 |
| Earnings coverage of net charge-offs (x) | 13.0769% | 2,173 |
| Efficiency ratio | 70.1593% | 4,322 |
| Assets per employee ($millions) | 6.8892% | 745 |
| Cash dividends to net income (ytd only)* | 126.7089% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8100% | 7,062 |
| Loan loss allowance to noncurrent loans | 36.7750% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 1.6935% | 2,866 |
| Noncurrent loans to loans | 2.2025% | 2,507 |
| Net loans and leases to total assets | 73.0632% | 3,345 |
| Net loans and leases to deposits | 97.1331% | 2,267 |
| Net loans and leases to core deposits | 127.3757% | 2,049 |
| Total domestic deposits to total assets | 75.2197% | 6,398 |
| Equity capital to assets | 8.5856% | 5,956 |
| Core capital (leverage) ratio | 9.1367% | 4,545 |
| Tier 1 risk-based capital ratio | 14.3084% | 3,390 |
| Total risk-based capital ratio | 15.2459% | 3,470 |
| Memoranda: | ||
| Average total assets | $622,511,400 | 1,077 |
| Average earning assets | $596,843,800 | 1,023 |
| Average equity | $54,894,800 | 1,228 |
| Average total loans | $437,882,600 | 1,095 |