Home > Provident Bank of Maryland > Performance and Condition Ratios
Provident Bank of Maryland, 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 | 4.7723% | 7,408 |
| Cost of funding earning assets | 2.0860% | 3,714 |
| Net interest margin | 2.6863% | 7,232 |
| Noninterest income to average assets | 1.5246% | 601 |
| Noninterest expense to average assets | 3.6204% | 1,820 |
| Loan and lease loss provision to assets | 2.2808% | 518 |
| Net operating income to assets | -0.6179% | 6,982 |
| Return on assets (ROA) | -4.1910% | 7,989 |
| Pretax return on assets | -7.5744% | 8,099 |
| Return on Equity (ROE) | -52.5876% | 8,057 |
| Retained earnings to average equity (ytd only) | -58.1331% | 8,065 |
| Net charge-offs to loans | 1.2386% | 1,130 |
| Credit loss provision to net charge-offs | 264.6403% | 1,788 |
| Earnings coverage of net charge-offs (x) | 0.3358% | 4,706 |
| Efficiency ratio | 92.0613% | 1,560 |
| Assets per employee ($millions) | 3.7727% | 4,164 |
| Cash dividends to net income (ytd only)* | -10.5451% | 8,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1983% | 1,083 |
| Loan loss allowance to noncurrent loans | 76.0920% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 3.8815% | 1,348 |
| Noncurrent loans to loans | 2.8890% | 2,262 |
| Net loans and leases to total assets | 68.4484% | 4,029 |
| Net loans and leases to deposits | 87.8908% | 3,309 |
| Net loans and leases to core deposits | 93.1920% | 5,236 |
| Total domestic deposits to total assets | 77.8789% | 6,055 |
| Equity capital to assets | 7.5503% | 7,311 |
| Core capital (leverage) ratio | 7.1002% | 7,559 |
| Tier 1 risk-based capital ratio | 6.3666% | 8,126 |
| Total risk-based capital ratio | 8.3515% | 8,095 |
| Memoranda: | ||
| Average total assets | $6,245,106,500 | 159 |
| Average earning assets | $5,545,202,000 | 161 |
| Average equity | $497,706,500 | 188 |
| Average total loans | $4,345,396,500 | 151 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8784% | 6,145 |
| Cost of funding earning assets | 2.5533% | 3,938 |
| Net interest margin | 3.3251% | 5,948 |
| Noninterest income to average assets | 1.7650% | 436 |
| Noninterest expense to average assets | 3.4300% | 2,580 |
| Loan and lease loss provision to assets | 0.6078% | 2,391 |
| Net operating income to assets | 0.6235% | 4,213 |
| Return on assets (ROA) | -0.5234% | 6,815 |
| Pretax return on assets | -1.0858% | 7,050 |
| Return on Equity (ROE) | -7.5197% | 7,093 |
| Retained earnings to average equity (ytd only) | -13.0779% | 7,337 |
| Net charge-offs to loans | 0.4649% | 2,505 |
| Credit loss provision to net charge-offs | 190.1228% | 2,598 |
| Earnings coverage of net charge-offs (x) | 4.1104% | 4,104 |
| Efficiency ratio | 71.8699% | 3,963 |
| Assets per employee ($millions) | 3.7032% | 4,172 |
| Cash dividends to net income (ytd only)* | -73.9140% | 8,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6774% | 1,973 |
| Loan loss allowance to noncurrent loans | 73.9694% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 2.7768% | 1,694 |
| Noncurrent loans to loans | 2.2677% | 2,432 |
| Net loans and leases to total assets | 68.0212% | 4,461 |
| Net loans and leases to deposits | 90.1333% | 3,429 |
| Net loans and leases to core deposits | 96.5868% | 5,194 |
| Total domestic deposits to total assets | 75.4673% | 6,350 |
| Equity capital to assets | 8.3816% | 6,294 |
| Core capital (leverage) ratio | 9.3969% | 4,160 |
| Tier 1 risk-based capital ratio | 9.2793% | 7,543 |
| Total risk-based capital ratio | 11.2364% | 6,632 |
| Memoranda: | ||
| Average total assets | $6,188,164,600 | 158 |
| Average earning assets | $5,544,119,800 | 158 |
| Average equity | $430,719,600 | 212 |
| Average total loans | $4,255,240,800 | 153 |