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Providence 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 | 4.8940% | 7,191 |
| Cost of funding earning assets | 2.5553% | 1,722 |
| Net interest margin | 2.3386% | 7,680 |
| Noninterest income to average assets | 0.0774% | 7,666 |
| Noninterest expense to average assets | 3.8516% | 1,378 |
| Loan and lease loss provision to assets | 0.3009% | 3,541 |
| Net operating income to assets | -1.1482% | 7,331 |
| Return on assets (ROA) | -1.1262% | 7,332 |
| Pretax return on assets | -1.8140% | 7,477 |
| Return on Equity (ROE) | -10.3886% | 7,387 |
| Retained earnings to average equity (ytd only) | -10.3886% | 7,147 |
| Net charge-offs to loans | 0.9241% | 1,436 |
| Credit loss provision to net charge-offs | 43.7500% | 4,768 |
| Earnings coverage of net charge-offs (x) | -2.2500% | 5,483 |
| Efficiency ratio | 167.1642% | 284 |
| Assets per employee ($millions) | 4.5738% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 3,564 |
| Loan loss allowance to noncurrent loans | 72.7407% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 2.0512% | 2,823 |
| Noncurrent loans to loans | 1.9096% | 3,395 |
| Net loans and leases to total assets | 69.2797% | 3,850 |
| Net loans and leases to deposits | 87.5977% | 3,357 |
| Net loans and leases to core deposits | 147.8014% | 788 |
| Total domestic deposits to total assets | 79.0885% | 5,688 |
| Equity capital to assets | 9.9360% | 4,070 |
| Core capital (leverage) ratio | 10.2362% | 3,165 |
| Tier 1 risk-based capital ratio | 12.9687% | 4,203 |
| Total risk-based capital ratio | 14.2196% | 4,127 |
| Memoranda: | ||
| Average total assets | $46,526,500 | 7,010 |
| Average earning assets | $44,299,500 | 6,914 |
| Average equity | $5,044,000 | 7,095 |
| Average total loans | $34,626,500 | 6,516 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7048% | 6,762 |
| Cost of funding earning assets | 3.1775% | 1,261 |
| Net interest margin | 2.5272% | 7,724 |
| Noninterest income to average assets | 0.1285% | 7,469 |
| Noninterest expense to average assets | 4.7450% | 740 |
| Loan and lease loss provision to assets | 0.7763% | 1,927 |
| Net operating income to assets | -2.1156% | 7,630 |
| Return on assets (ROA) | -2.1156% | 7,591 |
| Pretax return on assets | -2.9602% | 7,698 |
| Return on Equity (ROE) | -15.0111% | 7,590 |
| Retained earnings to average equity (ytd only) | -15.0111% | 7,459 |
| Net charge-offs to loans | 0.0733% | 5,714 |
| Credit loss provision to net charge-offs | 1,494.7368% | 301 |
| Earnings coverage of net charge-offs (x) | -42.0526% | 6,976 |
| Efficiency ratio | 185.2721% | 232 |
| Assets per employee ($millions) | 3.8855% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5808% | 2,327 |
| Loan loss allowance to noncurrent loans | 53.2274% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 2.3561% | 2,064 |
| Noncurrent loans to loans | 2.9700% | 1,807 |
| Net loans and leases to total assets | 78.0749% | 2,119 |
| Net loans and leases to deposits | 105.9096% | 1,130 |
| Net loans and leases to core deposits | 169.3307% | 415 |
| Total domestic deposits to total assets | 73.7184% | 6,698 |
| Equity capital to assets | 11.9066% | 2,352 |
| Core capital (leverage) ratio | 11.4264% | 2,298 |
| Tier 1 risk-based capital ratio | 14.8740% | 3,114 |
| Total risk-based capital ratio | 16.1264% | 3,028 |
| Memoranda: | ||
| Average total assets | $36,585,800 | 7,359 |
| Average earning assets | $35,216,200 | 7,276 |
| Average equity | $5,156,200 | 7,097 |
| Average total loans | $25,929,000 | 6,971 |