Home > San Luis Trust Bank, FSB > Performance and Condition Ratios
San Luis Trust Bank, FSB, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 5,779 |
| Cost of funding earning assets | 1.9740% | 668 |
| Net interest margin | 2.7328% | 7,100 |
| Noninterest income to average assets | 0.0279% | 7,200 |
| Noninterest expense to average assets | 3.5285% | 2,104 |
| Loan and lease loss provision to assets | 7.2007% | 23 |
| Net operating income to assets | -8.5448% | 7,626 |
| Return on assets (ROA) | -8.5448% | 7,627 |
| Pretax return on assets | -8.2105% | 7,624 |
| Return on Equity (ROE) | -171.5398% | 7,640 |
| Retained earnings to average equity (ytd only) | -171.5398% | 7,640 |
| Net charge-offs to loans | 10.3518% | 13 |
| Credit loss provision to net charge-offs | 93.9693% | 4,946 |
| Earnings coverage of net charge-offs (x) | -0.1318% | 6,247 |
| Efficiency ratio | 140.0936% | 256 |
| Assets per employee ($millions) | 12.7922% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6886% | 1,187 |
| Loan loss allowance to noncurrent loans | 9.1148% | 7,099 |
| Noncurrent assets plus other real estate owned to assets | 24.5123% | 31 |
| Noncurrent loans to loans | 29.4975% | 15 |
| Net loans and leases to total assets | 59.9713% | 4,691 |
| Net loans and leases to deposits | 73.2734% | 4,315 |
| Net loans and leases to core deposits | 80.1925% | 4,183 |
| Total domestic deposits to total assets | 81.8458% | 5,232 |
| Equity capital to assets | -0.5583% | 7,652 |
| Core capital (leverage) ratio | -0.5583% | 7,652 |
| Tier 1 risk-based capital ratio | -0.8517% | 7,652 |
| Total risk-based capital ratio | -0.8517% | 7,652 |
| Memoranda: | ||
| Average total assets | $322,428,400 | 2,016 |
| Average earning assets | $293,873,600 | 2,023 |
| Average equity | $16,061,000 | 3,749 |
| Average total loans | $238,672,800 | 1,828 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0845% | 4,404 |
| Cost of funding earning assets | 2.0569% | 619 |
| Net interest margin | 3.0276% | 6,773 |
| Noninterest income to average assets | 0.0250% | 7,381 |
| Noninterest expense to average assets | 3.4053% | 2,275 |
| Loan and lease loss provision to assets | 9.6769% | 8 |
| Net operating income to assets | -6.0532% | 7,694 |
| Return on assets (ROA) | -6.0532% | 7,697 |
| Pretax return on assets | -10.2934% | 7,745 |
| Return on Equity (ROE) | -94.2700% | 7,685 |
| Retained earnings to average equity (ytd only) | -94.2700% | 7,685 |
| Net charge-offs to loans | 11.0895% | 18 |
| Credit loss provision to net charge-offs | 112.9671% | 3,726 |
| Earnings coverage of net charge-offs (x) | -0.0720% | 6,088 |
| Efficiency ratio | 122.1043% | 373 |
| Assets per employee ($millions) | 10.6217% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4342% | 262 |
| Loan loss allowance to noncurrent loans | 13.9616% | 7,099 |
| Noncurrent assets plus other real estate owned to assets | 29.2636% | 11 |
| Noncurrent loans to loans | 31.7600% | 13 |
| Net loans and leases to total assets | 70.0461% | 2,722 |
| Net loans and leases to deposits | 86.1123% | 2,314 |
| Net loans and leases to core deposits | 96.9702% | 2,150 |
| Total domestic deposits to total assets | 81.3427% | 5,254 |
| Equity capital to assets | 3.7561% | 7,655 |
| Core capital (leverage) ratio | 0.3648% | 7,749 |
| Tier 1 risk-based capital ratio | 0.4799% | 7,749 |
| Total risk-based capital ratio | 0.9598% | 7,749 |
| Memoranda: | ||
| Average total assets | $319,886,500 | 2,066 |
| Average earning assets | $292,018,000 | 2,061 |
| Average equity | $20,540,500 | 3,113 |
| Average total loans | $247,097,750 | 1,800 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0860% | 4,529 |
| Cost of funding earning assets | 2.0661% | 743 |
| Net interest margin | 3.0198% | 6,789 |
| Noninterest income to average assets | 0.0208% | 7,460 |
| Noninterest expense to average assets | 2.1822% | 6,689 |
| Loan and lease loss provision to assets | 3.7534% | 217 |
| Net operating income to assets | -1.8388% | 7,267 |
| Return on assets (ROA) | -1.8388% | 7,270 |
| Pretax return on assets | -3.1138% | 7,487 |
| Return on Equity (ROE) | -25.4398% | 7,377 |
| Retained earnings to average equity (ytd only) | -25.4398% | 7,361 |
| Net charge-offs to loans | 3.6931% | 378 |
| Credit loss provision to net charge-offs | 129.5656% | 3,106 |
| Earnings coverage of net charge-offs (x) | 0.2208% | 5,505 |
| Efficiency ratio | 77.3328% | 2,841 |
| Assets per employee ($millions) | 10.4471% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3803% | 602 |
| Loan loss allowance to noncurrent loans | 27.9578% | 6,492 |
| Noncurrent assets plus other real estate owned to assets | 13.3838% | 203 |
| Noncurrent loans to loans | 12.0908% | 284 |
| Net loans and leases to total assets | 74.1624% | 1,873 |
| Net loans and leases to deposits | 93.4772% | 1,339 |
| Net loans and leases to core deposits | 104.6499% | 1,572 |
| Total domestic deposits to total assets | 79.3374% | 5,934 |
| Equity capital to assets | 7.0036% | 7,350 |
| Core capital (leverage) ratio | 6.6997% | 7,325 |
| Tier 1 risk-based capital ratio | 8.8957% | 7,434 |
| Total risk-based capital ratio | 10.1728% | 7,441 |
| Memoranda: | ||
| Average total assets | $327,379,670 | 2,029 |
| Average earning assets | $303,658,330 | 2,004 |
| Average equity | $23,663,670 | 2,727 |
| Average total loans | $256,801,000 | 1,772 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0135% | 4,956 |
| Cost of funding earning assets | 2.0603% | 913 |
| Net interest margin | 2.9531% | 6,933 |
| Noninterest income to average assets | 0.0194% | 7,596 |
| Noninterest expense to average assets | 2.2775% | 6,454 |
| Loan and lease loss provision to assets | 7.4668% | 71 |
| Net operating income to assets | -4.1016% | 7,722 |
| Return on assets (ROA) | -4.1016% | 7,725 |
| Pretax return on assets | -6.9551% | 7,835 |
| Return on Equity (ROE) | -55.8902% | 7,735 |
| Retained earnings to average equity (ytd only) | -55.8902% | 7,726 |
| Net charge-offs to loans | 6.6046% | 152 |
| Credit loss provision to net charge-offs | 142.6184% | 2,498 |
| Earnings coverage of net charge-offs (x) | 0.0977% | 4,947 |
| Efficiency ratio | 81.6558% | 2,323 |
| Assets per employee ($millions) | 10.2210% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3894% | 590 |
| Loan loss allowance to noncurrent loans | 24.2869% | 6,785 |
| Noncurrent assets plus other real estate owned to assets | 12.6541% | 226 |
| Noncurrent loans to loans | 13.9556% | 214 |
| Net loans and leases to total assets | 77.0216% | 1,324 |
| Net loans and leases to deposits | 104.2082% | 518 |
| Net loans and leases to core deposits | 119.1435% | 817 |
| Total domestic deposits to total assets | 73.9113% | 7,058 |
| Equity capital to assets | 6.8232% | 7,438 |
| Core capital (leverage) ratio | 6.4612% | 7,478 |
| Tier 1 risk-based capital ratio | 8.7368% | 7,529 |
| Total risk-based capital ratio | 10.0168% | 7,547 |
| Memoranda: | ||
| Average total assets | $329,139,000 | 2,071 |
| Average earning assets | $308,687,500 | 2,025 |
| Average equity | $24,154,500 | 2,706 |
| Average total loans | $260,908,500 | 1,795 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3627% | 4,876 |
| Cost of funding earning assets | 2.5181% | 986 |
| Net interest margin | 2.8446% | 6,984 |
| Noninterest income to average assets | -0.1500% | 7,835 |
| Noninterest expense to average assets | 2.1610% | 7,068 |
| Loan and lease loss provision to assets | 3.0363% | 566 |
| Net operating income to assets | -1.5310% | 6,873 |
| Return on assets (ROA) | -1.5594% | 6,893 |
| Pretax return on assets | -2.6983% | 7,208 |
| Return on Equity (ROE) | -19.2892% | 7,123 |
| Retained earnings to average equity (ytd only) | -19.2892% | 7,080 |
| Net charge-offs to loans | 3.3217% | 603 |
| Credit loss provision to net charge-offs | 123.0626% | 4,295 |
| Earnings coverage of net charge-offs (x) | 0.1550% | 6,008 |
| Efficiency ratio | 84.9651% | 2,234 |
| Assets per employee ($millions) | 10.3502% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6817% | 1,035 |
| Loan loss allowance to noncurrent loans | 29.6690% | 6,490 |
| Noncurrent assets plus other real estate owned to assets | 8.3356% | 518 |
| Noncurrent loans to loans | 9.0388% | 499 |
| Net loans and leases to total assets | 76.7081% | 1,648 |
| Net loans and leases to deposits | 104.9431% | 605 |
| Net loans and leases to core deposits | 166.1681% | 272 |
| Total domestic deposits to total assets | 73.0949% | 7,141 |
| Equity capital to assets | 7.8477% | 6,721 |
| Core capital (leverage) ratio | 7.6964% | 6,559 |
| Tier 1 risk-based capital ratio | 10.4452% | 6,453 |
| Total risk-based capital ratio | 11.7151% | 6,403 |
| Memoranda: | ||
| Average total assets | $349,374,200 | 1,950 |
| Average earning assets | $330,802,000 | 1,877 |
| Average equity | $28,243,800 | 2,355 |
| Average total loans | $259,507,200 | 1,836 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4417% | 4,730 |
| Cost of funding earning assets | 2.5065% | 1,273 |
| Net interest margin | 2.9352% | 6,763 |
| Noninterest income to average assets | -0.1967% | 7,978 |
| Noninterest expense to average assets | 2.1033% | 7,189 |
| Loan and lease loss provision to assets | 2.6088% | 623 |
| Net operating income to assets | -1.2073% | 6,960 |
| Return on assets (ROA) | -1.2447% | 6,992 |
| Pretax return on assets | -2.1861% | 7,246 |
| Return on Equity (ROE) | -15.2923% | 7,204 |
| Retained earnings to average equity (ytd only) | -15.2923% | 7,153 |
| Net charge-offs to loans | 2.9288% | 585 |
| Credit loss provision to net charge-offs | 121.6620% | 4,169 |
| Earnings coverage of net charge-offs (x) | 0.2243% | 5,794 |
| Efficiency ratio | 81.3848% | 2,663 |
| Assets per employee ($millions) | 12.2205% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3735% | 1,202 |
| Loan loss allowance to noncurrent loans | 47.2359% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 4.1131% | 1,535 |
| Noncurrent loans to loans | 5.0248% | 1,307 |
| Net loans and leases to total assets | 63.7048% | 4,925 |
| Net loans and leases to deposits | 86.3164% | 3,254 |
| Net loans and leases to core deposits | 134.6466% | 1,170 |
| Total domestic deposits to total assets | 73.8039% | 6,985 |
| Equity capital to assets | 6.9025% | 7,638 |
| Core capital (leverage) ratio | 6.7693% | 7,556 |
| Tier 1 risk-based capital ratio | 10.5663% | 6,395 |
| Total risk-based capital ratio | 11.8303% | 6,339 |
| Memoranda: | ||
| Average total assets | $353,916,500 | 1,931 |
| Average earning assets | $335,328,000 | 1,869 |
| Average equity | $28,806,750 | 2,335 |
| Average total loans | $259,118,500 | 1,866 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9573% | 2,351 |
| Cost of funding earning assets | 2.5402% | 1,477 |
| Net interest margin | 3.4171% | 5,103 |
| Noninterest income to average assets | 0.0379% | 7,800 |
| Noninterest expense to average assets | 2.3013% | 6,755 |
| Loan and lease loss provision to assets | 3.7486% | 357 |
| Net operating income to assets | -1.5538% | 7,271 |
| Return on assets (ROA) | -1.6126% | 7,297 |
| Pretax return on assets | -2.8797% | 7,534 |
| Return on Equity (ROE) | -18.6816% | 7,471 |
| Retained earnings to average equity (ytd only) | -18.6816% | 7,413 |
| Net charge-offs to loans | 4.2502% | 318 |
| Credit loss provision to net charge-offs | 115.4618% | 4,007 |
| Earnings coverage of net charge-offs (x) | 0.2959% | 5,377 |
| Efficiency ratio | 70.5487% | 4,672 |
| Assets per employee ($millions) | 11.1735% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2125% | 1,224 |
| Loan loss allowance to noncurrent loans | 148.4672% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 2.5857% | 2,489 |
| Noncurrent loans to loans | 1.4902% | 4,262 |
| Net loans and leases to total assets | 70.2431% | 3,636 |
| Net loans and leases to deposits | 100.6314% | 1,222 |
| Net loans and leases to core deposits | 149.2526% | 676 |
| Total domestic deposits to total assets | 69.8024% | 7,492 |
| Equity capital to assets | 7.7071% | 7,066 |
| Core capital (leverage) ratio | 7.7071% | 6,747 |
| Tier 1 risk-based capital ratio | 10.5410% | 6,335 |
| Total risk-based capital ratio | 11.8026% | 6,279 |
| Memoranda: | ||
| Average total assets | $337,463,000 | 2,055 |
| Average earning assets | $318,401,330 | 1,998 |
| Average equity | $29,130,330 | 2,330 |
| Average total loans | $257,773,670 | 1,899 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3170% | 1,248 |
| Cost of funding earning assets | 2.6435% | 1,434 |
| Net interest margin | 3.6735% | 4,001 |
| Noninterest income to average assets | 0.0423% | 7,873 |
| Noninterest expense to average assets | 2.6995% | 5,007 |
| Loan and lease loss provision to assets | 7.8612% | 68 |
| Net operating income to assets | -3.9857% | 7,978 |
| Return on assets (ROA) | -4.1090% | 7,981 |
| Pretax return on assets | -7.2535% | 8,088 |
| Return on Equity (ROE) | -44.8476% | 8,024 |
| Retained earnings to average equity (ytd only) | -44.8476% | 8,006 |
| Net charge-offs to loans | 8.6568% | 80 |
| Credit loss provision to net charge-offs | 114.9582% | 3,391 |
| Earnings coverage of net charge-offs (x) | 0.1170% | 4,886 |
| Efficiency ratio | 77.1307% | 3,308 |
| Assets per employee ($millions) | 9.7445% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2788% | 974 |
| Loan loss allowance to noncurrent loans | 147.1879% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 2.9704% | 1,900 |
| Noncurrent loans to loans | 1.5482% | 3,957 |
| Net loans and leases to total assets | 77.8274% | 1,860 |
| Net loans and leases to deposits | 112.4699% | 501 |
| Net loans and leases to core deposits | 172.7165% | 304 |
| Total domestic deposits to total assets | 69.1984% | 7,494 |
| Equity capital to assets | 8.6557% | 5,834 |
| Core capital (leverage) ratio | 8.6557% | 5,244 |
| Tier 1 risk-based capital ratio | 10.8713% | 6,021 |
| Total risk-based capital ratio | 12.1340% | 5,917 |
| Memoranda: | ||
| Average total assets | $321,832,000 | 2,155 |
| Average earning assets | $302,930,000 | 2,107 |
| Average equity | $29,486,500 | 2,316 |
| Average total loans | $254,228,500 | 1,939 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2030% | 744 |
| Cost of funding earning assets | 3.1816% | 1,251 |
| Net interest margin | 4.0214% | 3,019 |
| Noninterest income to average assets | 0.0473% | 7,903 |
| Noninterest expense to average assets | 1.6577% | 7,907 |
| Loan and lease loss provision to assets | 1.3568% | 1,035 |
| Net operating income to assets | 0.5539% | 4,510 |
| Return on assets (ROA) | 0.5539% | 4,363 |
| Pretax return on assets | 0.8937% | 3,746 |
| Return on Equity (ROE) | 5.7786% | 4,036 |
| Retained earnings to average equity (ytd only) | 5.7786% | 1,630 |
| Net charge-offs to loans | 1.0305% | 1,201 |
| Credit loss provision to net charge-offs | 175.2227% | 2,903 |
| Earnings coverage of net charge-offs (x) | 2.9065% | 4,629 |
| Efficiency ratio | 42.4160% | 8,061 |
| Assets per employee ($millions) | 9.7605% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9861% | 1,249 |
| Loan loss allowance to noncurrent loans | 73.2749% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 3.6477% | 1,200 |
| Noncurrent loans to loans | 2.7105% | 2,000 |
| Net loans and leases to total assets | 76.7911% | 2,431 |
| Net loans and leases to deposits | 113.2472% | 656 |
| Net loans and leases to core deposits | 173.2322% | 356 |
| Total domestic deposits to total assets | 67.8084% | 7,488 |
| Equity capital to assets | 9.6676% | 4,465 |
| Core capital (leverage) ratio | 9.6676% | 3,810 |
| Tier 1 risk-based capital ratio | 12.0321% | 4,802 |
| Total risk-based capital ratio | 13.2906% | 4,673 |
| Memoranda: | ||
| Average total assets | $318,994,200 | 2,093 |
| Average earning assets | $306,263,200 | 1,994 |
| Average equity | $30,578,600 | 2,210 |
| Average total loans | $239,678,200 | 1,970 |