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Silver Falls Bank, Performance and Condition Ratios
| 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 | 7.9399% | 208 |
| Cost of funding earning assets | 3.8201% | 190 |
| Net interest margin | 4.1198% | 2,628 |
| Noninterest income to average assets | 0.3256% | 6,119 |
| Noninterest expense to average assets | 3.3354% | 2,854 |
| Loan and lease loss provision to assets | 8.1881% | 21 |
| Net operating income to assets | -6.4129% | 8,170 |
| Return on assets (ROA) | -6.4111% | 8,164 |
| Pretax return on assets | -7.5377% | 8,181 |
| Return on Equity (ROE) | -96.7664% | 8,272 |
| Retained earnings to average equity (ytd only) | -96.7664% | 8,269 |
| Net charge-offs to loans | 4.2589% | 145 |
| Credit loss provision to net charge-offs | 212.0965% | 2,278 |
| Earnings coverage of net charge-offs (x) | 0.1679% | 6,148 |
| Efficiency ratio | 83.7258% | 2,089 |
| Assets per employee ($millions) | 4.0668% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7739% | 34 |
| Loan loss allowance to noncurrent loans | 25.3889% | 6,988 |
| Noncurrent assets plus other real estate owned to assets | 26.5733% | 12 |
| Noncurrent loans to loans | 26.6805% | 15 |
| Net loans and leases to total assets | 79.1671% | 1,845 |
| Net loans and leases to deposits | 91.6112% | 3,198 |
| Net loans and leases to core deposits | 122.4961% | 2,452 |
| Total domestic deposits to total assets | 86.4164% | 2,211 |
| Equity capital to assets | 2.1497% | 8,283 |
| Core capital (leverage) ratio | 2.0500% | 8,286 |
| Tier 1 risk-based capital ratio | 2.5984% | 8,290 |
| Total risk-based capital ratio | 3.8729% | 8,289 |
| Memoranda: | ||
| Average total assets | $142,829,600 | 4,028 |
| Average earning assets | $126,827,600 | 4,111 |
| Average equity | $9,463,000 | 5,581 |
| Average total loans | $129,469,600 | 3,279 |