Home > Silverton Bridge Bank > Performance and Condition Ratios
Silverton Bridge Bank, Performance and Condition Ratios
| 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 | 1.8448% | 7,777 |
| Cost of funding earning assets | 0.0000% | 7,814 |
| Net interest margin | 1.8448% | 7,686 |
| Noninterest income to average assets | 0.1159% | 7,025 |
| Noninterest expense to average assets | 0.1928% | 7,822 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4975% | 4,341 |
| Return on assets (ROA) | 0.4975% | 4,495 |
| Pretax return on assets | 0.4975% | 4,906 |
| Return on Equity (ROE) | 0.5167% | 6,079 |
| Retained earnings to average equity (ytd only) | 0.5167% | 5,556 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.9302% | 7,760 |
| Assets per employee ($millions) | 8.4377% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 0.0080% | 7,786 |
| Net loans and leases to deposits | 0.1918% | 7,785 |
| Net loans and leases to core deposits | 0.1918% | 7,767 |
| Total domestic deposits to total assets | 4.1684% | 7,809 |
| Equity capital to assets | 95.8316% | 5 |
| Core capital (leverage) ratio | 91.8048% | 11 |
| Tier 1 risk-based capital ratio | 105.1417% | 50 |
| Total risk-based capital ratio | 105.1417% | 50 |
| Memoranda: | ||
| Average total assets | $697,033,670 | 967 |
| Average earning assets | $217,044,330 | 2,717 |
| Average equity | $671,219,000 | 151 |
| Average total loans | $3,607,330 | 7,753 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2362% | 7,899 |
| Cost of funding earning assets | 0.0000% | 7,914 |
| Net interest margin | 1.2362% | 7,861 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 0.4222% | 7,913 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0938% | 6,041 |
| Return on assets (ROA) | 0.0938% | 6,140 |
| Pretax return on assets | 0.0938% | 6,155 |
| Return on Equity (ROE) | 0.0971% | 6,380 |
| Retained earnings to average equity (ytd only) | 0.0971% | 5,784 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8283% | 2,289 |
| Assets per employee ($millions) | 7.3129% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 0.0004% | 7,888 |
| Net loans and leases to deposits | 0.0116% | 7,887 |
| Net loans and leases to core deposits | 0.0116% | 7,868 |
| Total domestic deposits to total assets | 3.7128% | 7,911 |
| Equity capital to assets | 96.2872% | 4 |
| Core capital (leverage) ratio | 125.4806% | 1 |
| Tier 1 risk-based capital ratio | 98.6923% | 52 |
| Total risk-based capital ratio | 98.6923% | 52 |
| Memoranda: | ||
| Average total assets | $695,388,000 | 988 |
| Average earning assets | $290,246,000 | 2,145 |
| Average equity | $671,262,000 | 152 |
| Average total loans | $5,383,000 | 7,813 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3444% | 7,955 |
| Cost of funding earning assets | 1.6406% | 4,841 |
| Net interest margin | -0.2962% | 8,008 |
| Noninterest income to average assets | -2.2675% | 8,004 |
| Noninterest expense to average assets | 2.3095% | 6,724 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -4.6954% | 7,701 |
| Return on assets (ROA) | -4.6954% | 7,701 |
| Pretax return on assets | -4.6954% | 7,663 |
| Return on Equity (ROE) | -8.5520% | 6,513 |
| Retained earnings to average equity (ytd only) | -8.5520% | 6,396 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -96.7957% | 8,004 |
| Assets per employee ($millions) | 7.3268% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 1.5463% | 7,957 |
| Net loans and leases to deposits | 47.9250% | 7,360 |
| Net loans and leases to core deposits | 47.9250% | 7,633 |
| Total domestic deposits to total assets | 3.2265% | 7,989 |
| Equity capital to assets | 96.7735% | 3 |
| Core capital (leverage) ratio | 123.4538% | 1 |
| Tier 1 risk-based capital ratio | 159.3354% | 42 |
| Total risk-based capital ratio | 159.3354% | 42 |
| Memoranda: | ||
| Average total assets | $1,242,620,000 | 542 |
| Average earning assets | $496,645,330 | 1,271 |
| Average equity | $682,253,330 | 144 |
| Average total loans | $10,467,670 | 7,684 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3518% | 8,051 |
| Cost of funding earning assets | 2.1109% | 2,844 |
| Net interest margin | -0.7591% | 8,097 |
| Noninterest income to average assets | -2.4999% | 8,089 |
| Noninterest expense to average assets | 1.3267% | 7,948 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -4.7970% | 7,822 |
| Return on assets (ROA) | -4.7970% | 7,821 |
| Pretax return on assets | -4.0843% | 7,700 |
| Return on Equity (ROE) | -10.5913% | 6,935 |
| Retained earnings to average equity (ytd only) | -10.5913% | 6,860 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -48.1102% | 8,083 |
| Assets per employee ($millions) | 5.1369% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 0.1410% | 8,045 |
| Net loans and leases to deposits | 1.9163% | 8,043 |
| Net loans and leases to core deposits | 1.9163% | 8,034 |
| Total domestic deposits to total assets | 7.3562% | 8,069 |
| Equity capital to assets | 91.9512% | 9 |
| Core capital (leverage) ratio | 109.2411% | 1 |
| Tier 1 risk-based capital ratio | 232.2641% | 32 |
| Total risk-based capital ratio | 232.2641% | 32 |
| Memoranda: | ||
| Average total assets | $1,515,907,000 | 464 |
| Average earning assets | $514,658,500 | 1,240 |
| Average equity | $686,586,000 | 147 |
| Average total loans | $10,320,000 | 7,761 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3181% | 8,147 |
| Cost of funding earning assets | 3.2287% | 248 |
| Net interest margin | -1.9106% | 8,193 |
| Noninterest income to average assets | -2.7361% | 8,183 |
| Noninterest expense to average assets | 0.6302% | 8,159 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -4.4957% | 7,890 |
| Return on assets (ROA) | -4.4957% | 7,890 |
| Pretax return on assets | -3.7870% | 7,714 |
| Return on Equity (ROE) | -14.9381% | 7,325 |
| Retained earnings to average equity (ytd only) | -14.9381% | 7,232 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -19.9623% | 8,171 |
| Assets per employee ($millions) | 6.5342% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 0.8566% | 8,136 |
| Net loans and leases to deposits | 1.2965% | 8,138 |
| Net loans and leases to core deposits | 1.2965% | 8,129 |
| Total domestic deposits to total assets | 66.0704% | 7,735 |
| Equity capital to assets | 30.0953% | 135 |
| Core capital (leverage) ratio | 45.3851% | 71 |
| Tier 1 risk-based capital ratio | 60.7959% | 135 |
| Total risk-based capital ratio | 60.7959% | 136 |
| Memoranda: | ||
| Average total assets | $2,286,957,000 | 335 |
| Average earning assets | $503,615,000 | 1,279 |
| Average equity | $688,267,000 | 149 |
| Average total loans | $19,590,000 | 7,352 |