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SolutionsBank, Performance and Condition Ratios
| 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 | 4.7714% | 7,168 |
| Cost of funding earning assets | 2.8845% | 489 |
| Net interest margin | 1.8869% | 7,860 |
| Noninterest income to average assets | 0.3679% | 5,564 |
| Noninterest expense to average assets | 3.1774% | 3,373 |
| Loan and lease loss provision to assets | 6.2602% | 93 |
| Net operating income to assets | -6.7196% | 7,969 |
| Return on assets (ROA) | -6.7196% | 7,965 |
| Pretax return on assets | -7.2978% | 7,972 |
| Return on Equity (ROE) | -123.7559% | 8,042 |
| Retained earnings to average equity (ytd only) | -123.7559% | 8,041 |
| Net charge-offs to loans | 2.7084% | 668 |
| Credit loss provision to net charge-offs | 281.4057% | 1,496 |
| Earnings coverage of net charge-offs (x) | -0.4664% | 6,461 |
| Efficiency ratio | 116.5642% | 647 |
| Assets per employee ($millions) | 6.5526% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3230% | 115 |
| Loan loss allowance to noncurrent loans | 37.3290% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 12.5934% | 201 |
| Noncurrent loans to loans | 14.2596% | 171 |
| Net loans and leases to total assets | 76.7485% | 1,837 |
| Net loans and leases to deposits | 93.1144% | 2,041 |
| Net loans and leases to core deposits | 132.9339% | 1,272 |
| Total domestic deposits to total assets | 82.4239% | 4,487 |
| Equity capital to assets | 3.0978% | 8,029 |
| Core capital (leverage) ratio | 2.5230% | 8,039 |
| Tier 1 risk-based capital ratio | 3.3263% | 8,039 |
| Total risk-based capital ratio | 4.6268% | 8,041 |
| Memoranda: | ||
| Average total assets | $526,998,500 | 1,318 |
| Average earning assets | $494,913,750 | 1,287 |
| Average equity | $28,614,750 | 2,350 |
| Average total loans | $432,871,500 | 1,125 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8597% | 7,117 |
| Cost of funding earning assets | 2.9169% | 580 |
| Net interest margin | 1.9429% | 7,892 |
| Noninterest income to average assets | 0.3983% | 5,310 |
| Noninterest expense to average assets | 3.5754% | 2,137 |
| Loan and lease loss provision to assets | 6.4791% | 117 |
| Net operating income to assets | -6.9717% | 8,053 |
| Return on assets (ROA) | -6.9717% | 8,043 |
| Pretax return on assets | -7.8328% | 8,049 |
| Return on Equity (ROE) | -112.8810% | 8,090 |
| Retained earnings to average equity (ytd only) | -112.8810% | 8,089 |
| Net charge-offs to loans | 2.1956% | 828 |
| Credit loss provision to net charge-offs | 357.7593% | 1,298 |
| Earnings coverage of net charge-offs (x) | -0.7475% | 6,161 |
| Efficiency ratio | 115.5420% | 740 |
| Assets per employee ($millions) | 7.0585% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3032% | 204 |
| Loan loss allowance to noncurrent loans | 38.9334% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 9.1209% | 369 |
| Noncurrent loans to loans | 11.0527% | 273 |
| Net loans and leases to total assets | 73.8916% | 2,732 |
| Net loans and leases to deposits | 89.8520% | 2,856 |
| Net loans and leases to core deposits | 125.6679% | 1,902 |
| Total domestic deposits to total assets | 82.2371% | 4,597 |
| Equity capital to assets | 4.2566% | 8,083 |
| Core capital (leverage) ratio | 4.0618% | 8,090 |
| Tier 1 risk-based capital ratio | 5.2364% | 8,092 |
| Total risk-based capital ratio | 6.5221% | 8,096 |
| Memoranda: | ||
| Average total assets | $532,297,000 | 1,319 |
| Average earning assets | $499,573,330 | 1,291 |
| Average equity | $32,875,330 | 2,067 |
| Average total loans | $439,056,000 | 1,138 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0146% | 6,896 |
| Cost of funding earning assets | 3.0558% | 515 |
| Net interest margin | 1.9587% | 7,913 |
| Noninterest income to average assets | 0.4357% | 4,910 |
| Noninterest expense to average assets | 4.4277% | 765 |
| Loan and lease loss provision to assets | 6.9972% | 95 |
| Net operating income to assets | -7.3806% | 8,132 |
| Return on assets (ROA) | -7.3806% | 8,121 |
| Pretax return on assets | -9.1449% | 8,140 |
| Return on Equity (ROE) | -102.4222% | 8,154 |
| Retained earnings to average equity (ytd only) | -102.4222% | 8,151 |
| Net charge-offs to loans | 1.0584% | 1,281 |
| Credit loss provision to net charge-offs | 774.9361% | 772 |
| Earnings coverage of net charge-offs (x) | -2.3785% | 5,490 |
| Efficiency ratio | 104.1188% | 983 |
| Assets per employee ($millions) | 6.8347% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1633% | 420 |
| Loan loss allowance to noncurrent loans | 47.3809% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 6.1691% | 635 |
| Noncurrent loans to loans | 6.6764% | 632 |
| Net loans and leases to total assets | 80.5065% | 1,295 |
| Net loans and leases to deposits | 101.9168% | 1,183 |
| Net loans and leases to core deposits | 135.7737% | 1,320 |
| Total domestic deposits to total assets | 78.9924% | 5,728 |
| Equity capital to assets | 6.1399% | 7,973 |
| Core capital (leverage) ratio | 6.0829% | 7,988 |
| Tier 1 risk-based capital ratio | 7.3197% | 8,072 |
| Total risk-based capital ratio | 8.5943% | 8,084 |
| Memoranda: | ||
| Average total assets | $519,634,500 | 1,365 |
| Average earning assets | $489,294,500 | 1,327 |
| Average equity | $37,445,000 | 1,822 |
| Average total loans | $443,302,000 | 1,136 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5351% | 2,785 |
| Cost of funding earning assets | 3.3033% | 919 |
| Net interest margin | 3.2317% | 6,268 |
| Noninterest income to average assets | 1.6882% | 478 |
| Noninterest expense to average assets | 2.5085% | 5,969 |
| Loan and lease loss provision to assets | 1.9948% | 603 |
| Net operating income to assets | 0.1270% | 6,030 |
| Return on assets (ROA) | 0.1361% | 5,847 |
| Pretax return on assets | 0.2077% | 5,713 |
| Return on Equity (ROE) | 1.5665% | 5,748 |
| Retained earnings to average equity (ytd only) | -0.8621% | 5,555 |
| Net charge-offs to loans | 1.5944% | 714 |
| Credit loss provision to net charge-offs | 141.2544% | 3,754 |
| Earnings coverage of net charge-offs (x) | 1.5498% | 5,325 |
| Efficiency ratio | 52.8457% | 7,402 |
| Assets per employee ($millions) | 5.6872% | 1,327 |
| Cash dividends to net income (ytd only)* | 155.0336% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 3,326 |
| Loan loss allowance to noncurrent loans | 385.2904% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 1.0042% | 4,317 |
| Noncurrent loans to loans | 0.3572% | 6,298 |
| Net loans and leases to total assets | 86.3943% | 553 |
| Net loans and leases to deposits | 115.3168% | 556 |
| Net loans and leases to core deposits | 148.3915% | 918 |
| Total domestic deposits to total assets | 74.9191% | 6,471 |
| Equity capital to assets | 8.3290% | 6,373 |
| Core capital (leverage) ratio | 7.6914% | 6,952 |
| Tier 1 risk-based capital ratio | 8.8973% | 7,844 |
| Total risk-based capital ratio | 10.1488% | 7,874 |
| Memoranda: | ||
| Average total assets | $438,029,200 | 1,560 |
| Average earning assets | $407,828,600 | 1,535 |
| Average equity | $38,047,200 | 1,775 |
| Average total loans | $387,983,000 | 1,248 |