Home > Shoreline Bank > Performance and Condition Ratios
Shoreline Bank, Performance and Condition Ratios
| 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 | 4.8335% | 5,532 |
| Cost of funding earning assets | 1.7378% | 1,688 |
| Net interest margin | 3.0957% | 6,624 |
| Noninterest income to average assets | -1.0678% | 7,734 |
| Noninterest expense to average assets | 5.0184% | 376 |
| Loan and lease loss provision to assets | 1.7475% | 713 |
| Net operating income to assets | -5.1398% | 7,655 |
| Return on assets (ROA) | -5.1398% | 7,666 |
| Pretax return on assets | -5.1398% | 7,653 |
| Return on Equity (ROE) | -182.1807% | 7,743 |
| Retained earnings to average equity (ytd only) | -182.1807% | 7,743 |
| Net charge-offs to loans | 3.5838% | 370 |
| Credit loss provision to net charge-offs | 69.8000% | 5,427 |
| Earnings coverage of net charge-offs (x) | -1.3550% | 6,492 |
| Efficiency ratio | 308.6220% | 27 |
| Assets per employee ($millions) | 3.0993% | 5,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3528% | 96 |
| Loan loss allowance to noncurrent loans | 37.3355% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 24.2009% | 25 |
| Noncurrent loans to loans | 17.0155% | 121 |
| Net loans and leases to total assets | 66.1110% | 3,664 |
| Net loans and leases to deposits | 67.8147% | 5,444 |
| Net loans and leases to core deposits | 74.4531% | 5,239 |
| Total domestic deposits to total assets | 97.4876% | 11 |
| Equity capital to assets | 1.2164% | 7,741 |
| Core capital (leverage) ratio | 1.0323% | 7,738 |
| Tier 1 risk-based capital ratio | 1.2988% | 7,741 |
| Total risk-based capital ratio | 2.5976% | 7,740 |
| Memoranda: | ||
| Average total assets | $106,512,750 | 4,873 |
| Average earning assets | $92,684,750 | 4,986 |
| Average equity | $3,005,000 | 7,367 |
| Average total loans | $74,406,500 | 4,588 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7820% | 5,854 |
| Cost of funding earning assets | 1.7887% | 1,689 |
| Net interest margin | 2.9933% | 6,839 |
| Noninterest income to average assets | -1.5402% | 7,812 |
| Noninterest expense to average assets | 4.6459% | 498 |
| Loan and lease loss provision to assets | 2.5148% | 448 |
| Net operating income to assets | -6.0600% | 7,736 |
| Return on assets (ROA) | -6.0600% | 7,743 |
| Pretax return on assets | -6.0600% | 7,733 |
| Return on Equity (ROE) | -185.3612% | 7,798 |
| Retained earnings to average equity (ytd only) | -185.3612% | 7,798 |
| Net charge-offs to loans | 4.8753% | 217 |
| Credit loss provision to net charge-offs | 74.0584% | 4,855 |
| Earnings coverage of net charge-offs (x) | -1.0440% | 6,125 |
| Efficiency ratio | 422.0949% | 19 |
| Assets per employee ($millions) | 3.3615% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8593% | 112 |
| Loan loss allowance to noncurrent loans | 26.6017% | 6,574 |
| Noncurrent assets plus other real estate owned to assets | 23.4550% | 29 |
| Noncurrent loans to loans | 22.0262% | 55 |
| Net loans and leases to total assets | 66.0659% | 3,817 |
| Net loans and leases to deposits | 68.7141% | 5,458 |
| Net loans and leases to core deposits | 79.4337% | 4,751 |
| Total domestic deposits to total assets | 96.1462% | 22 |
| Equity capital to assets | 1.7216% | 7,799 |
| Core capital (leverage) ratio | 1.5904% | 7,790 |
| Tier 1 risk-based capital ratio | 2.1092% | 7,794 |
| Total risk-based capital ratio | 3.4078% | 7,794 |
| Memoranda: | ||
| Average total assets | $111,023,670 | 4,773 |
| Average earning assets | $97,950,670 | 4,872 |
| Average equity | $3,629,670 | 7,231 |
| Average total loans | $77,328,670 | 4,529 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8363% | 5,742 |
| Cost of funding earning assets | 1.8230% | 1,785 |
| Net interest margin | 3.0134% | 6,802 |
| Noninterest income to average assets | -2.1463% | 7,922 |
| Noninterest expense to average assets | 4.5477% | 550 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -4.0129% | 7,716 |
| Return on assets (ROA) | -4.0129% | 7,719 |
| Pretax return on assets | -4.0129% | 7,691 |
| Return on Equity (ROE) | -100.9786% | 7,830 |
| Retained earnings to average equity (ytd only) | -100.9786% | 7,826 |
| Net charge-offs to loans | 7.4282% | 115 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.7783% | 5,347 |
| Efficiency ratio | 850.3268% | 11 |
| Assets per employee ($millions) | 3.4292% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3493% | 282 |
| Loan loss allowance to noncurrent loans | 47.2568% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 14.1152% | 161 |
| Noncurrent loans to loans | 9.2036% | 515 |
| Net loans and leases to total assets | 66.1168% | 3,823 |
| Net loans and leases to deposits | 70.0715% | 5,338 |
| Net loans and leases to core deposits | 82.7048% | 4,393 |
| Total domestic deposits to total assets | 94.3563% | 61 |
| Equity capital to assets | 3.6252% | 7,819 |
| Core capital (leverage) ratio | 3.4451% | 7,818 |
| Tier 1 risk-based capital ratio | 4.5285% | 7,827 |
| Total risk-based capital ratio | 5.8105% | 7,829 |
| Memoranda: | ||
| Average total assets | $114,431,500 | 4,757 |
| Average earning assets | $101,812,500 | 4,819 |
| Average equity | $4,547,500 | 6,988 |
| Average total loans | $79,427,500 | 4,531 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1347% | 5,942 |
| Cost of funding earning assets | 2.0773% | 2,588 |
| Net interest margin | 3.0574% | 6,497 |
| Noninterest income to average assets | 0.0467% | 7,514 |
| Noninterest expense to average assets | 4.2849% | 1,006 |
| Loan and lease loss provision to assets | 6.4211% | 89 |
| Net operating income to assets | -7.6866% | 7,923 |
| Return on assets (ROA) | -7.7019% | 7,916 |
| Pretax return on assets | -7.8317% | 7,907 |
| Return on Equity (ROE) | -101.6462% | 7,933 |
| Retained earnings to average equity (ytd only) | -101.6462% | 7,933 |
| Net charge-offs to loans | 7.9478% | 85 |
| Credit loss provision to net charge-offs | 102.6735% | 5,377 |
| Earnings coverage of net charge-offs (x) | -0.2231% | 6,482 |
| Efficiency ratio | 148.2777% | 327 |
| Assets per employee ($millions) | 3.8429% | 4,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7515% | 113 |
| Loan loss allowance to noncurrent loans | 38.0671% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 16.1127% | 113 |
| Noncurrent loans to loans | 15.1089% | 172 |
| Net loans and leases to total assets | 65.6678% | 4,243 |
| Net loans and leases to deposits | 69.9519% | 5,607 |
| Net loans and leases to core deposits | 93.9237% | 4,681 |
| Total domestic deposits to total assets | 93.8756% | 79 |
| Equity capital to assets | 4.2953% | 7,836 |
| Core capital (leverage) ratio | 4.0609% | 7,842 |
| Tier 1 risk-based capital ratio | 5.6954% | 7,832 |
| Total risk-based capital ratio | 6.9960% | 7,834 |
| Memoranda: | ||
| Average total assets | $128,592,000 | 4,371 |
| Average earning assets | $119,578,600 | 4,324 |
| Average equity | $9,743,600 | 5,370 |
| Average total loans | $101,185,000 | 3,913 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2654% | 5,594 |
| Cost of funding earning assets | 2.1135% | 2,830 |
| Net interest margin | 3.1518% | 6,171 |
| Noninterest income to average assets | 0.1313% | 7,221 |
| Noninterest expense to average assets | 4.1417% | 1,086 |
| Loan and lease loss provision to assets | 5.6892% | 124 |
| Net operating income to assets | -6.5787% | 7,959 |
| Return on assets (ROA) | -6.5984% | 7,960 |
| Pretax return on assets | -6.7684% | 7,953 |
| Return on Equity (ROE) | -79.2745% | 7,958 |
| Retained earnings to average equity (ytd only) | -79.2745% | 7,956 |
| Net charge-offs to loans | 5.9193% | 154 |
| Credit loss provision to net charge-offs | 119.0456% | 4,259 |
| Earnings coverage of net charge-offs (x) | -0.2216% | 6,301 |
| Efficiency ratio | 134.3461% | 428 |
| Assets per employee ($millions) | 4.1098% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6556% | 96 |
| Loan loss allowance to noncurrent loans | 30.0341% | 6,457 |
| Noncurrent assets plus other real estate owned to assets | 16.2216% | 96 |
| Noncurrent loans to loans | 18.8305% | 76 |
| Net loans and leases to total assets | 71.3989% | 3,179 |
| Net loans and leases to deposits | 80.0924% | 4,366 |
| Net loans and leases to core deposits | 106.6425% | 3,629 |
| Total domestic deposits to total assets | 89.1456% | 1,132 |
| Equity capital to assets | 6.7431% | 7,693 |
| Core capital (leverage) ratio | 6.4206% | 7,697 |
| Tier 1 risk-based capital ratio | 8.4405% | 7,736 |
| Total risk-based capital ratio | 9.7423% | 7,756 |
| Memoranda: | ||
| Average total assets | $130,957,500 | 4,357 |
| Average earning assets | $122,635,000 | 4,287 |
| Average equity | $10,900,250 | 5,092 |
| Average total loans | $105,730,250 | 3,827 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4206% | 5,036 |
| Cost of funding earning assets | 2.1502% | 3,042 |
| Net interest margin | 3.2704% | 5,660 |
| Noninterest income to average assets | 0.1211% | 7,378 |
| Noninterest expense to average assets | 4.0638% | 1,234 |
| Loan and lease loss provision to assets | 6.7170% | 104 |
| Net operating income to assets | -7.5888% | 8,073 |
| Return on assets (ROA) | -7.6191% | 8,064 |
| Pretax return on assets | -7.6191% | 8,045 |
| Return on Equity (ROE) | -86.2725% | 8,054 |
| Retained earnings to average equity (ytd only) | -86.2725% | 8,052 |
| Net charge-offs to loans | 7.7623% | 108 |
| Credit loss provision to net charge-offs | 105.0663% | 4,378 |
| Earnings coverage of net charge-offs (x) | -0.1364% | 5,830 |
| Efficiency ratio | 127.3115% | 550 |
| Assets per employee ($millions) | 4.4222% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6480% | 159 |
| Loan loss allowance to noncurrent loans | 30.9995% | 6,401 |
| Noncurrent assets plus other real estate owned to assets | 13.2339% | 144 |
| Noncurrent loans to loans | 14.9938% | 135 |
| Net loans and leases to total assets | 73.8058% | 2,759 |
| Net loans and leases to deposits | 85.2934% | 3,680 |
| Net loans and leases to core deposits | 117.8121% | 2,555 |
| Total domestic deposits to total assets | 86.5317% | 2,496 |
| Equity capital to assets | 7.5339% | 7,233 |
| Core capital (leverage) ratio | 7.4216% | 7,111 |
| Tier 1 risk-based capital ratio | 9.2448% | 7,573 |
| Total risk-based capital ratio | 10.5341% | 7,540 |
| Memoranda: | ||
| Average total assets | $132,142,000 | 4,348 |
| Average earning assets | $124,081,330 | 4,271 |
| Average equity | $11,670,000 | 4,895 |
| Average total loans | $108,834,330 | 3,792 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3937% | 5,460 |
| Cost of funding earning assets | 2.2045% | 3,144 |
| Net interest margin | 3.1892% | 5,888 |
| Noninterest income to average assets | 0.1426% | 7,277 |
| Noninterest expense to average assets | 3.7640% | 1,540 |
| Loan and lease loss provision to assets | 1.9351% | 628 |
| Net operating income to assets | -2.5508% | 7,776 |
| Return on assets (ROA) | -2.5508% | 7,775 |
| Pretax return on assets | -2.5508% | 7,671 |
| Return on Equity (ROE) | -26.8959% | 7,871 |
| Retained earnings to average equity (ytd only) | -26.8959% | 7,812 |
| Net charge-offs to loans | 0.4968% | 2,219 |
| Credit loss provision to net charge-offs | 458.9928% | 1,161 |
| Earnings coverage of net charge-offs (x) | -1.4604% | 5,424 |
| Efficiency ratio | 119.5568% | 637 |
| Assets per employee ($millions) | 4.3177% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5450% | 145 |
| Loan loss allowance to noncurrent loans | 34.1480% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 11.0661% | 175 |
| Noncurrent loans to loans | 13.3097% | 136 |
| Net loans and leases to total assets | 79.3642% | 1,501 |
| Net loans and leases to deposits | 94.4703% | 2,196 |
| Net loans and leases to core deposits | 133.5391% | 1,442 |
| Total domestic deposits to total assets | 84.0097% | 3,697 |
| Equity capital to assets | 10.1950% | 3,773 |
| Core capital (leverage) ratio | 10.5012% | 2,926 |
| Tier 1 risk-based capital ratio | 11.7175% | 5,191 |
| Total risk-based capital ratio | 13.0057% | 5,086 |
| Memoranda: | ||
| Average total assets | $131,879,500 | 4,374 |
| Average earning assets | $124,293,500 | 4,282 |
| Average equity | $12,507,500 | 4,705 |
| Average total loans | $111,907,000 | 3,743 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8582% | 1,519 |
| Cost of funding earning assets | 2.8280% | 2,591 |
| Net interest margin | 4.0302% | 2,978 |
| Noninterest income to average assets | 0.1767% | 7,170 |
| Noninterest expense to average assets | 3.9242% | 1,523 |
| Loan and lease loss provision to assets | 3.4490% | 237 |
| Net operating income to assets | -2.8737% | 7,794 |
| Return on assets (ROA) | -2.8541% | 7,759 |
| Pretax return on assets | -3.3502% | 7,784 |
| Return on Equity (ROE) | -26.2721% | 7,886 |
| Retained earnings to average equity (ytd only) | -27.5292% | 7,861 |
| Net charge-offs to loans | 1.3825% | 853 |
| Credit loss provision to net charge-offs | 288.5733% | 1,574 |
| Earnings coverage of net charge-offs (x) | 0.0633% | 6,212 |
| Efficiency ratio | 98.1096% | 1,059 |
| Assets per employee ($millions) | 4.4796% | 2,646 |
| Cash dividends to net income (ytd only)* | -4.7851% | 7,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0515% | 180 |
| Loan loss allowance to noncurrent loans | 40.9136% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 8.5775% | 251 |
| Noncurrent loans to loans | 9.9025% | 215 |
| Net loans and leases to total assets | 83.1105% | 1,028 |
| Net loans and leases to deposits | 97.4282% | 2,214 |
| Net loans and leases to core deposits | 160.5210% | 567 |
| Total domestic deposits to total assets | 85.3043% | 2,702 |
| Equity capital to assets | 8.7515% | 5,730 |
| Core capital (leverage) ratio | 8.4894% | 5,599 |
| Tier 1 risk-based capital ratio | 9.3628% | 7,446 |
| Total risk-based capital ratio | 10.6434% | 7,342 |
| Memoranda: | ||
| Average total assets | $129,604,600 | 4,292 |
| Average earning assets | $122,947,200 | 4,193 |
| Average equity | $14,079,600 | 4,324 |
| Average total loans | $112,046,600 | 3,636 |