Home > Pinehurst Bank > Performance and Condition Ratios
Pinehurst 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 | 5.8710% | 1,268 |
| Cost of funding earning assets | 2.0377% | 985 |
| Net interest margin | 3.8333% | 3,654 |
| Noninterest income to average assets | 0.4407% | 4,558 |
| Noninterest expense to average assets | 4.3062% | 716 |
| Loan and lease loss provision to assets | 7.3091% | 78 |
| Net operating income to assets | -7.5861% | 7,858 |
| Return on assets (ROA) | -7.5861% | 7,860 |
| Pretax return on assets | -7.5861% | 7,849 |
| Return on Equity (ROE) | -3,119.7411% | 7,932 |
| Retained earnings to average equity (ytd only) | -3,119.7411% | 7,932 |
| Net charge-offs to loans | 2.5763% | 629 |
| Credit loss provision to net charge-offs | 309.6000% | 1,272 |
| Earnings coverage of net charge-offs (x) | -0.1173% | 5,113 |
| Efficiency ratio | 106.8750% | 661 |
| Assets per employee ($millions) | 5.1013% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0280% | 29 |
| Loan loss allowance to noncurrent loans | 90.1217% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 11.4090% | 304 |
| Noncurrent loans to loans | 10.0176% | 422 |
| Net loans and leases to total assets | 85.3010% | 267 |
| Net loans and leases to deposits | 89.5845% | 1,968 |
| Net loans and leases to core deposits | 91.5317% | 3,165 |
| Total domestic deposits to total assets | 95.2185% | 42 |
| Equity capital to assets | -0.7286% | 7,924 |
| Core capital (leverage) ratio | -0.6910% | 7,923 |
| Tier 1 risk-based capital ratio | -0.8834% | 7,923 |
| Total risk-based capital ratio | -0.8834% | 7,923 |
| Memoranda: | ||
| Average total assets | $63,537,000 | 6,259 |
| Average earning assets | $59,479,000 | 6,192 |
| Average equity | $154,500 | 7,925 |
| Average total loans | $58,222,500 | 5,328 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2269% | 1,170 |
| Cost of funding earning assets | 2.6108% | 757 |
| Net interest margin | 3.6161% | 4,494 |
| Noninterest income to average assets | 0.1678% | 6,879 |
| Noninterest expense to average assets | 3.2874% | 3,054 |
| Loan and lease loss provision to assets | 8.4811% | 33 |
| Net operating income to assets | -8.1501% | 7,935 |
| Return on assets (ROA) | -8.1501% | 7,930 |
| Pretax return on assets | -8.1470% | 7,922 |
| Return on Equity (ROE) | -120.3653% | 7,968 |
| Retained earnings to average equity (ytd only) | -120.3653% | 7,967 |
| Net charge-offs to loans | 3.8068% | 462 |
| Credit loss provision to net charge-offs | 238.6970% | 1,507 |
| Earnings coverage of net charge-offs (x) | 0.0940% | 6,062 |
| Efficiency ratio | 90.7765% | 1,651 |
| Assets per employee ($millions) | 4.3906% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4450% | 52 |
| Loan loss allowance to noncurrent loans | 113.4452% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 7.7575% | 601 |
| Noncurrent loans to loans | 6.5627% | 904 |
| Net loans and leases to total assets | 82.9803% | 546 |
| Net loans and leases to deposits | 92.7749% | 1,772 |
| Net loans and leases to core deposits | 159.8374% | 346 |
| Total domestic deposits to total assets | 89.4426% | 1,246 |
| Equity capital to assets | 1.1464% | 7,982 |
| Core capital (leverage) ratio | 1.0950% | 7,980 |
| Tier 1 risk-based capital ratio | 1.3851% | 7,983 |
| Total risk-based capital ratio | 2.7207% | 7,982 |
| Memoranda: | ||
| Average total assets | $64,367,000 | 6,184 |
| Average earning assets | $61,474,800 | 6,080 |
| Average equity | $4,358,400 | 7,159 |
| Average total loans | $60,077,400 | 5,247 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2507% | 1,246 |
| Cost of funding earning assets | 2.6465% | 918 |
| Net interest margin | 3.6042% | 4,468 |
| Noninterest income to average assets | 0.1792% | 6,939 |
| Noninterest expense to average assets | 3.2752% | 3,008 |
| Loan and lease loss provision to assets | 6.0796% | 104 |
| Net operating income to assets | -5.7275% | 7,910 |
| Return on assets (ROA) | -5.7275% | 7,908 |
| Pretax return on assets | -5.7254% | 7,888 |
| Return on Equity (ROE) | -69.6913% | 7,932 |
| Retained earnings to average equity (ytd only) | -69.6913% | 7,929 |
| Net charge-offs to loans | 2.4021% | 769 |
| Credit loss provision to net charge-offs | 268.4453% | 1,578 |
| Earnings coverage of net charge-offs (x) | 0.1564% | 5,870 |
| Efficiency ratio | 90.2411% | 1,666 |
| Assets per employee ($millions) | 4.3791% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0653% | 133 |
| Loan loss allowance to noncurrent loans | 93.1971% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 6.2296% | 840 |
| Noncurrent loans to loans | 5.4351% | 1,152 |
| Net loans and leases to total assets | 87.1677% | 259 |
| Net loans and leases to deposits | 108.3859% | 534 |
| Net loans and leases to core deposits | 154.1238% | 492 |
| Total domestic deposits to total assets | 80.4235% | 5,282 |
| Equity capital to assets | 4.9326% | 7,954 |
| Core capital (leverage) ratio | 5.0098% | 7,920 |
| Tier 1 risk-based capital ratio | 5.6792% | 7,964 |
| Total risk-based capital ratio | 6.9956% | 7,969 |
| Memoranda: | ||
| Average total assets | $63,994,000 | 6,249 |
| Average earning assets | $61,260,750 | 6,134 |
| Average equity | $5,259,250 | 6,921 |
| Average total loans | $60,335,250 | 5,272 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2735% | 1,274 |
| Cost of funding earning assets | 2.7290% | 966 |
| Net interest margin | 3.5445% | 4,595 |
| Noninterest income to average assets | 0.1797% | 7,011 |
| Noninterest expense to average assets | 3.3328% | 2,842 |
| Loan and lease loss provision to assets | 0.6401% | 2,511 |
| Net operating income to assets | -0.3973% | 6,447 |
| Return on assets (ROA) | -0.3973% | 6,453 |
| Pretax return on assets | -0.3941% | 6,317 |
| Return on Equity (ROE) | -4.2479% | 6,511 |
| Retained earnings to average equity (ytd only) | -4.2479% | 6,178 |
| Net charge-offs to loans | 0.0630% | 5,617 |
| Credit loss provision to net charge-offs | 1,068.4211% | 463 |
| Earnings coverage of net charge-offs (x) | 4.1053% | 3,214 |
| Efficiency ratio | 93.1278% | 1,559 |
| Assets per employee ($millions) | 4.6105% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2772% | 1,130 |
| Loan loss allowance to noncurrent loans | 29.7423% | 6,504 |
| Noncurrent assets plus other real estate owned to assets | 7.6224% | 516 |
| Noncurrent loans to loans | 7.6566% | 603 |
| Net loans and leases to total assets | 93.6078% | 30 |
| Net loans and leases to deposits | 123.3913% | 186 |
| Net loans and leases to core deposits | 161.3593% | 433 |
| Total domestic deposits to total assets | 75.8625% | 6,582 |
| Equity capital to assets | 9.0663% | 5,221 |
| Core capital (leverage) ratio | 8.9717% | 4,679 |
| Tier 1 risk-based capital ratio | 9.8731% | 7,062 |
| Total risk-based capital ratio | 11.1368% | 6,980 |
| Memoranda: | ||
| Average total assets | $63,430,000 | 6,314 |
| Average earning assets | $60,827,330 | 6,191 |
| Average equity | $5,932,330 | 6,748 |
| Average total loans | $60,343,000 | 5,312 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5098% | 848 |
| Cost of funding earning assets | 2.7672% | 1,065 |
| Net interest margin | 3.7427% | 3,691 |
| Noninterest income to average assets | 0.1654% | 7,120 |
| Noninterest expense to average assets | 3.1302% | 3,268 |
| Loan and lease loss provision to assets | 0.4772% | 2,567 |
| Net operating income to assets | 0.1463% | 5,834 |
| Return on assets (ROA) | 0.1463% | 6,004 |
| Pretax return on assets | 0.1463% | 6,060 |
| Return on Equity (ROE) | 1.5404% | 5,945 |
| Retained earnings to average equity (ytd only) | 1.5404% | 4,987 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3898% | 2,372 |
| Assets per employee ($millions) | 5.1058% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1015% | 1,235 |
| Loan loss allowance to noncurrent loans | 312.2596% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.9296% | 4,867 |
| Noncurrent loans to loans | 0.6730% | 5,725 |
| Net loans and leases to total assets | 91.1699% | 88 |
| Net loans and leases to deposits | 122.0311% | 252 |
| Net loans and leases to core deposits | 156.7598% | 552 |
| Total domestic deposits to total assets | 74.7104% | 6,761 |
| Equity capital to assets | 9.0245% | 5,324 |
| Core capital (leverage) ratio | 9.7017% | 3,756 |
| Tier 1 risk-based capital ratio | 10.1077% | 6,803 |
| Total risk-based capital ratio | 11.3462% | 6,726 |
| Memoranda: | ||
| Average total assets | $62,871,500 | 6,363 |
| Average earning assets | $60,278,000 | 6,250 |
| Average equity | $5,972,500 | 6,773 |
| Average total loans | $59,600,000 | 5,380 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1910% | 761 |
| Cost of funding earning assets | 3.1096% | 1,476 |
| Net interest margin | 4.0814% | 2,786 |
| Noninterest income to average assets | 0.1178% | 7,534 |
| Noninterest expense to average assets | 4.2267% | 1,122 |
| Loan and lease loss provision to assets | 1.3580% | 1,032 |
| Net operating income to assets | -1.5181% | 7,473 |
| Return on assets (ROA) | -1.5181% | 7,418 |
| Pretax return on assets | -1.5181% | 7,264 |
| Return on Equity (ROE) | -12.5601% | 7,468 |
| Retained earnings to average equity (ytd only) | -12.5601% | 7,293 |
| Net charge-offs to loans | 0.1085% | 5,198 |
| Credit loss provision to net charge-offs | 1,341.8182% | 337 |
| Earnings coverage of net charge-offs (x) | -1.5818% | 6,673 |
| Efficiency ratio | 103.9367% | 870 |
| Assets per employee ($millions) | 5.9368% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1329% | 1,026 |
| Loan loss allowance to noncurrent loans | 177.6488% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 1.4991% | 3,220 |
| Noncurrent loans to loans | 1.2006% | 4,113 |
| Net loans and leases to total assets | 94.6015% | 20 |
| Net loans and leases to deposits | 131.8287% | 187 |
| Net loans and leases to core deposits | 161.5969% | 544 |
| Total domestic deposits to total assets | 71.7609% | 7,044 |
| Equity capital to assets | 10.0307% | 3,997 |
| Core capital (leverage) ratio | 10.0807% | 3,372 |
| Tier 1 risk-based capital ratio | 11.0906% | 5,649 |
| Total risk-based capital ratio | 12.3533% | 5,522 |
| Memoranda: | ||
| Average total assets | $54,344,600 | 6,608 |
| Average earning assets | $52,579,800 | 6,482 |
| Average equity | $6,568,400 | 6,614 |
| Average total loans | $50,699,400 | 5,677 |