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Pennsylvania Business Bank, Performance and Condition Ratios
| 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 | 5.5883% | 4,428 |
| Cost of funding earning assets | 2.6139% | 1,520 |
| Net interest margin | 2.9744% | 6,547 |
| Noninterest income to average assets | 0.3761% | 5,420 |
| Noninterest expense to average assets | 3.0021% | 3,759 |
| Loan and lease loss provision to assets | 0.0513% | 6,319 |
| Net operating income to assets | 0.0299% | 6,186 |
| Return on assets (ROA) | 0.8240% | 3,185 |
| Pretax return on assets | 0.8411% | 3,924 |
| Return on Equity (ROE) | 6.7108% | 3,710 |
| Retained earnings to average equity (ytd only) | 6.7108% | 2,323 |
| Net charge-offs to loans | 0.3928% | 2,525 |
| Credit loss provision to net charge-offs | 17.0455% | 5,109 |
| Earnings coverage of net charge-offs (x) | 0.2727% | 4,755 |
| Efficiency ratio | 97.3392% | 1,250 |
| Assets per employee ($millions) | 7.7421% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5718% | 2,637 |
| Loan loss allowance to noncurrent loans | 40.8587% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 3.6743% | 1,440 |
| Noncurrent loans to loans | 3.8469% | 1,596 |
| Net loans and leases to total assets | 77.4877% | 1,935 |
| Net loans and leases to deposits | 100.4173% | 1,352 |
| Net loans and leases to core deposits | 129.5276% | 1,694 |
| Total domestic deposits to total assets | 77.1656% | 6,235 |
| Equity capital to assets | 12.4522% | 2,003 |
| Core capital (leverage) ratio | 8.3885% | 5,734 |
| Tier 1 risk-based capital ratio | 9.2137% | 7,663 |
| Total risk-based capital ratio | 10.4668% | 7,650 |
| Memoranda: | ||
| Average total assets | $116,985,500 | 4,729 |
| Average earning assets | $106,508,500 | 4,734 |
| Average equity | $14,365,000 | 4,251 |
| Average total loans | $89,612,000 | 4,324 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8547% | 8,266 |
| Cost of funding earning assets | 0.4070% | 8,203 |
| Net interest margin | 0.4477% | 8,269 |
| Noninterest income to average assets | 0.0278% | 7,992 |
| Noninterest expense to average assets | 0.5486% | 8,255 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.1007% | 6,496 |
| Return on assets (ROA) | -0.1007% | 6,349 |
| Pretax return on assets | -0.1007% | 6,270 |
| Return on Equity (ROE) | -1.2547% | 6,397 |
| Retained earnings to average equity (ytd only) | -1.2547% | 5,669 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.4806% | 544 |
| Assets per employee ($millions) | 5.6114% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7198% | 1,847 |
| Loan loss allowance to noncurrent loans | 38.7577% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 3.9418% | 1,055 |
| Noncurrent loans to loans | 4.4374% | 1,075 |
| Net loans and leases to total assets | 73.2262% | 3,304 |
| Net loans and leases to deposits | 88.5797% | 3,707 |
| Net loans and leases to core deposits | 112.5416% | 3,507 |
| Total domestic deposits to total assets | 82.6670% | 3,915 |
| Equity capital to assets | 12.1089% | 2,226 |
| Core capital (leverage) ratio | 8.4638% | 5,635 |
| Tier 1 risk-based capital ratio | 9.4344% | 7,380 |
| Total risk-based capital ratio | 10.6886% | 7,291 |
| Memoranda: | ||
| Average total assets | $115,192,800 | 4,633 |
| Average earning assets | $108,114,200 | 4,559 |
| Average equity | $9,245,400 | 5,654 |
| Average total loans | $88,812,600 | 4,263 |