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Silverton 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 | 3.8598% | 8,023 |
| Cost of funding earning assets | 2.6832% | 1,317 |
| Net interest margin | 1.1766% | 8,133 |
| Noninterest income to average assets | 1.7599% | 441 |
| Noninterest expense to average assets | 3.7519% | 1,560 |
| Loan and lease loss provision to assets | 10.6655% | 35 |
| Net operating income to assets | -12.9988% | 8,195 |
| Return on assets (ROA) | -16.0188% | 8,205 |
| Pretax return on assets | -14.7977% | 8,200 |
| Return on Equity (ROE) | -480.2191% | 8,234 |
| Retained earnings to average equity (ytd only) | -480.2191% | 8,234 |
| Net charge-offs to loans | 7.0171% | 121 |
| Credit loss provision to net charge-offs | 268.8193% | 1,767 |
| Earnings coverage of net charge-offs (x) | -0.2803% | 5,173 |
| Efficiency ratio | 142.1378% | 397 |
| Assets per employee ($millions) | 10.6870% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0578% | 105 |
| Loan loss allowance to noncurrent loans | 42.9684% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 7.0040% | 484 |
| Noncurrent loans to loans | 11.7709% | 185 |
| Net loans and leases to total assets | 46.6961% | 7,135 |
| Net loans and leases to deposits | 58.5615% | 6,999 |
| Net loans and leases to core deposits | 58.5615% | 7,513 |
| Total domestic deposits to total assets | 79.7386% | 5,453 |
| Equity capital to assets | 1.1831% | 8,229 |
| Core capital (leverage) ratio | 1.3040% | 8,229 |
| Tier 1 risk-based capital ratio | 2.3497% | 8,225 |
| Total risk-based capital ratio | 4.6993% | 8,210 |
| Memoranda: | ||
| Average total assets | $3,656,287,000 | 236 |
| Average earning assets | $2,733,623,500 | 261 |
| Average equity | $121,963,500 | 563 |
| Average total loans | $2,067,292,000 | 274 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5675% | 7,158 |
| Cost of funding earning assets | 2.8535% | 2,469 |
| Net interest margin | 2.7139% | 7,474 |
| Noninterest income to average assets | 2.6318% | 238 |
| Noninterest expense to average assets | 3.5062% | 2,380 |
| Loan and lease loss provision to assets | 3.4417% | 239 |
| Net operating income to assets | -1.1115% | 7,293 |
| Return on assets (ROA) | -1.1115% | 7,237 |
| Pretax return on assets | -1.8481% | 7,390 |
| Return on Equity (ROE) | -14.5660% | 7,570 |
| Retained earnings to average equity (ytd only) | -14.5660% | 7,434 |
| Net charge-offs to loans | 3.6800% | 208 |
| Credit loss provision to net charge-offs | 140.1382% | 3,788 |
| Earnings coverage of net charge-offs (x) | 0.6489% | 5,835 |
| Efficiency ratio | 68.7514% | 4,585 |
| Assets per employee ($millions) | 7.6586% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0189% | 1,189 |
| Loan loss allowance to noncurrent loans | 21.0702% | 7,186 |
| Noncurrent assets plus other real estate owned to assets | 7.6717% | 312 |
| Noncurrent loans to loans | 9.5818% | 229 |
| Net loans and leases to total assets | 64.8967% | 5,083 |
| Net loans and leases to deposits | 158.8227% | 65 |
| Net loans and leases to core deposits | 158.8227% | 599 |
| Total domestic deposits to total assets | 40.8611% | 8,182 |
| Equity capital to assets | 6.1718% | 8,028 |
| Core capital (leverage) ratio | 6.7788% | 7,827 |
| Tier 1 risk-based capital ratio | 8.5670% | 7,976 |
| Total risk-based capital ratio | 10.8461% | 7,100 |
| Memoranda: | ||
| Average total assets | $2,828,044,600 | 267 |
| Average earning assets | $2,571,755,200 | 268 |
| Average equity | $215,797,800 | 348 |
| Average total loans | $1,887,366,600 | 288 |