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Partners 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 | 4.6145% | 7,401 |
| Cost of funding earning assets | 3.4677% | 84 |
| Net interest margin | 1.1469% | 7,998 |
| Noninterest income to average assets | -1.7023% | 8,085 |
| Noninterest expense to average assets | 5.1580% | 438 |
| Loan and lease loss provision to assets | 3.4178% | 395 |
| Net operating income to assets | -15.2957% | 8,079 |
| Return on assets (ROA) | -15.0265% | 8,078 |
| Pretax return on assets | -9.0440% | 8,028 |
| Return on Equity (ROE) | -336.8896% | 8,087 |
| Retained earnings to average equity (ytd only) | -336.8896% | 8,087 |
| Net charge-offs to loans | 5.7406% | 163 |
| Credit loss provision to net charge-offs | 80.1333% | 5,763 |
| Earnings coverage of net charge-offs (x) | -1.3822% | 6,688 |
| Efficiency ratio | -699.4859% | 8,094 |
| Assets per employee ($millions) | 3.8528% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 6,976 |
| Loan loss allowance to noncurrent loans | 3.5333% | 7,516 |
| Noncurrent assets plus other real estate owned to assets | 20.4128% | 44 |
| Noncurrent loans to loans | 23.8568% | 31 |
| Net loans and leases to total assets | 77.7673% | 1,617 |
| Net loans and leases to deposits | 78.6074% | 4,636 |
| Net loans and leases to core deposits | 105.0855% | 3,808 |
| Total domestic deposits to total assets | 98.9313% | 9 |
| Equity capital to assets | 0.6443% | 8,078 |
| Core capital (leverage) ratio | 0.6322% | 8,078 |
| Tier 1 risk-based capital ratio | 0.7987% | 8,078 |
| Total risk-based capital ratio | 1.5974% | 8,078 |
| Memoranda: | ||
| Average total assets | $70,336,000 | 6,030 |
| Average earning assets | $59,174,000 | 6,204 |
| Average equity | $3,137,250 | 7,622 |
| Average total loans | $52,258,500 | 5,627 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7279% | 7,353 |
| Cost of funding earning assets | 3.5684% | 86 |
| Net interest margin | 1.1595% | 8,081 |
| Noninterest income to average assets | -2.5212% | 8,181 |
| Noninterest expense to average assets | 4.7784% | 602 |
| Loan and lease loss provision to assets | 5.0119% | 202 |
| Net operating income to assets | -20.1171% | 8,172 |
| Return on assets (ROA) | -19.9281% | 8,171 |
| Pretax return on assets | -11.1552% | 8,124 |
| Return on Equity (ROE) | -354.6964% | 8,171 |
| Retained earnings to average equity (ytd only) | -354.6964% | 8,171 |
| Net charge-offs to loans | 7.2001% | 126 |
| Credit loss provision to net charge-offs | 95.2960% | 4,761 |
| Earnings coverage of net charge-offs (x) | -1.2040% | 6,271 |
| Efficiency ratio | -307.5134% | 8,185 |
| Assets per employee ($millions) | 3.8196% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 3,016 |
| Loan loss allowance to noncurrent loans | 11.9342% | 7,457 |
| Noncurrent assets plus other real estate owned to assets | 11.2577% | 221 |
| Noncurrent loans to loans | 12.8457% | 186 |
| Net loans and leases to total assets | 73.8964% | 2,731 |
| Net loans and leases to deposits | 75.5244% | 5,240 |
| Net loans and leases to core deposits | 100.1557% | 4,493 |
| Total domestic deposits to total assets | 97.8445% | 15 |
| Equity capital to assets | 1.7163% | 8,152 |
| Core capital (leverage) ratio | 1.7049% | 8,151 |
| Tier 1 risk-based capital ratio | 2.2898% | 8,149 |
| Total risk-based capital ratio | 3.5441% | 8,151 |
| Memoranda: | ||
| Average total assets | $71,948,670 | 6,033 |
| Average earning assets | $60,026,670 | 6,222 |
| Average equity | $4,042,330 | 7,398 |
| Average total loans | $52,555,000 | 5,654 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8586% | 7,269 |
| Cost of funding earning assets | 3.5725% | 123 |
| Net interest margin | 1.2861% | 8,113 |
| Noninterest income to average assets | -4.2150% | 8,240 |
| Noninterest expense to average assets | 4.6284% | 638 |
| Loan and lease loss provision to assets | 7.6305% | 76 |
| Net operating income to assets | -32.5617% | 8,238 |
| Return on assets (ROA) | -32.1919% | 8,237 |
| Pretax return on assets | -15.0272% | 8,201 |
| Return on Equity (ROE) | -432.5569% | 8,230 |
| Retained earnings to average equity (ytd only) | -432.5569% | 8,230 |
| Net charge-offs to loans | 11.3663% | 47 |
| Credit loss provision to net charge-offs | 93.0989% | 3,942 |
| Earnings coverage of net charge-offs (x) | -0.9476% | 5,349 |
| Efficiency ratio | -147.4870% | 8,235 |
| Assets per employee ($millions) | 3.9382% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 3,156 |
| Loan loss allowance to noncurrent loans | 20.6109% | 7,133 |
| Noncurrent assets plus other real estate owned to assets | 6.4088% | 587 |
| Noncurrent loans to loans | 7.1203% | 559 |
| Net loans and leases to total assets | 73.4987% | 2,888 |
| Net loans and leases to deposits | 78.8680% | 4,791 |
| Net loans and leases to core deposits | 101.0022% | 4,437 |
| Total domestic deposits to total assets | 93.1920% | 71 |
| Equity capital to assets | 3.5578% | 8,184 |
| Core capital (leverage) ratio | 3.4202% | 8,189 |
| Tier 1 risk-based capital ratio | 4.7424% | 8,184 |
| Total risk-based capital ratio | 5.9961% | 8,180 |
| Memoranda: | ||
| Average total assets | $73,546,500 | 6,014 |
| Average earning assets | $61,581,000 | 6,193 |
| Average equity | $5,473,500 | 6,956 |
| Average total loans | $53,034,000 | 5,669 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5828% | 7,126 |
| Cost of funding earning assets | 3.4674% | 570 |
| Net interest margin | 2.1154% | 8,009 |
| Noninterest income to average assets | 0.0832% | 7,722 |
| Noninterest expense to average assets | 5.3400% | 545 |
| Loan and lease loss provision to assets | 1.8211% | 693 |
| Net operating income to assets | -3.3333% | 7,885 |
| Return on assets (ROA) | -3.2170% | 7,847 |
| Pretax return on assets | -5.1459% | 8,041 |
| Return on Equity (ROE) | -22.5798% | 7,815 |
| Retained earnings to average equity (ytd only) | -22.5798% | 7,748 |
| Net charge-offs to loans | 1.5108% | 769 |
| Credit loss provision to net charge-offs | 172.8070% | 2,956 |
| Earnings coverage of net charge-offs (x) | -3.3275% | 6,781 |
| Efficiency ratio | 291.2605% | 110 |
| Assets per employee ($millions) | 3.6289% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6544% | 2,044 |
| Loan loss allowance to noncurrent loans | 27.5603% | 6,856 |
| Noncurrent assets plus other real estate owned to assets | 5.7843% | 536 |
| Noncurrent loans to loans | 6.0029% | 592 |
| Net loans and leases to total assets | 68.6442% | 4,334 |
| Net loans and leases to deposits | 84.4121% | 4,356 |
| Net loans and leases to core deposits | 108.9132% | 3,870 |
| Total domestic deposits to total assets | 81.3204% | 4,502 |
| Equity capital to assets | 11.0556% | 2,996 |
| Core capital (leverage) ratio | 7.1709% | 7,551 |
| Tier 1 risk-based capital ratio | 10.0258% | 6,706 |
| Total risk-based capital ratio | 11.2762% | 6,589 |
| Memoranda: | ||
| Average total assets | $64,905,800 | 6,195 |
| Average earning assets | $53,700,800 | 6,426 |
| Average equity | $9,247,200 | 5,653 |
| Average total loans | $45,273,800 | 5,918 |