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St. Stephen State Bank, Performance and Condition Ratios
| 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 | 5.8841% | 2,306 |
| Cost of funding earning assets | 2.2650% | 1,786 |
| Net interest margin | 3.6190% | 4,480 |
| Noninterest income to average assets | 1.1017% | 1,267 |
| Noninterest expense to average assets | 6.9234% | 213 |
| Loan and lease loss provision to assets | 9.1858% | 21 |
| Net operating income to assets | -11.7945% | 7,988 |
| Return on assets (ROA) | -11.7945% | 7,988 |
| Pretax return on assets | -11.7871% | 7,985 |
| Return on Equity (ROE) | -438.4932% | 8,010 |
| Retained earnings to average equity (ytd only) | -438.4932% | 8,010 |
| Net charge-offs to loans | 2.7777% | 803 |
| Credit loss provision to net charge-offs | 398.2428% | 798 |
| Earnings coverage of net charge-offs (x) | -1.1278% | 6,907 |
| Efficiency ratio | 160.1876% | 251 |
| Assets per employee ($millions) | 2.0814% | 7,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.7467% | 12 |
| Loan loss allowance to noncurrent loans | 81.0074% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 15.4488% | 128 |
| Noncurrent loans to loans | 15.7353% | 155 |
| Net loans and leases to total assets | 75.4925% | 1,922 |
| Net loans and leases to deposits | 72.2817% | 5,286 |
| Net loans and leases to core deposits | 94.3501% | 4,645 |
| Total domestic deposits to total assets | 104.4420% | 2 |
| Equity capital to assets | -5.3243% | 8,010 |
| Core capital (leverage) ratio | -4.9828% | 8,010 |
| Tier 1 risk-based capital ratio | -6.6078% | 8,009 |
| Total risk-based capital ratio | -6.6078% | 8,009 |
| Memoranda: | ||
| Average total assets | $27,139,800 | 7,580 |
| Average earning assets | $24,150,000 | 7,577 |
| Average equity | $730,000 | 8,001 |
| Average total loans | $22,536,600 | 7,060 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0327% | 1,910 |
| Cost of funding earning assets | 2.2305% | 2,275 |
| Net interest margin | 3.8022% | 3,646 |
| Noninterest income to average assets | 1.2387% | 1,003 |
| Noninterest expense to average assets | 6.7750% | 213 |
| Loan and lease loss provision to assets | 7.0587% | 67 |
| Net operating income to assets | -9.1389% | 8,031 |
| Return on assets (ROA) | -9.1389% | 8,031 |
| Pretax return on assets | -9.1295% | 8,030 |
| Return on Equity (ROE) | -211.7289% | 8,076 |
| Retained earnings to average equity (ytd only) | -211.7289% | 8,076 |
| Net charge-offs to loans | 1.7687% | 1,139 |
| Credit loss provision to net charge-offs | 484.7403% | 815 |
| Earnings coverage of net charge-offs (x) | -1.4221% | 6,692 |
| Efficiency ratio | 144.0201% | 348 |
| Assets per employee ($millions) | 2.0618% | 7,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5689% | 24 |
| Loan loss allowance to noncurrent loans | 102.5598% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 8.9605% | 431 |
| Noncurrent loans to loans | 8.3550% | 559 |
| Net loans and leases to total assets | 79.4802% | 1,290 |
| Net loans and leases to deposits | 84.0996% | 3,625 |
| Net loans and leases to core deposits | 102.1612% | 4,138 |
| Total domestic deposits to total assets | 94.5073% | 42 |
| Equity capital to assets | 0.1980% | 8,083 |
| Core capital (leverage) ratio | 0.1934% | 8,084 |
| Tier 1 risk-based capital ratio | 0.2325% | 8,084 |
| Total risk-based capital ratio | 0.4649% | 8,084 |
| Memoranda: | ||
| Average total assets | $28,201,000 | 7,606 |
| Average earning assets | $25,703,750 | 7,581 |
| Average equity | $1,217,250 | 8,043 |
| Average total loans | $23,218,500 | 7,079 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9520% | 2,377 |
| Cost of funding earning assets | 2.2607% | 2,524 |
| Net interest margin | 3.6913% | 3,988 |
| Noninterest income to average assets | 1.5194% | 643 |
| Noninterest expense to average assets | 6.3705% | 281 |
| Loan and lease loss provision to assets | 3.9858% | 312 |
| Net operating income to assets | -5.4575% | 7,972 |
| Return on assets (ROA) | -5.4575% | 7,963 |
| Pretax return on assets | -5.4439% | 7,914 |
| Return on Equity (ROE) | -99.7093% | 8,076 |
| Retained earnings to average equity (ytd only) | -99.7093% | 8,075 |
| Net charge-offs to loans | 1.4545% | 1,300 |
| Credit loss provision to net charge-offs | 338.1503% | 1,373 |
| Earnings coverage of net charge-offs (x) | -1.2370% | 6,275 |
| Efficiency ratio | 129.6810% | 526 |
| Assets per employee ($millions) | 1.8485% | 7,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6033% | 161 |
| Loan loss allowance to noncurrent loans | 65.7248% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 6.6386% | 676 |
| Noncurrent loans to loans | 7.0040% | 696 |
| Net loans and leases to total assets | 85.6834% | 408 |
| Net loans and leases to deposits | 92.2494% | 2,422 |
| Net loans and leases to core deposits | 111.0922% | 3,245 |
| Total domestic deposits to total assets | 92.8823% | 105 |
| Equity capital to assets | 4.5597% | 8,067 |
| Core capital (leverage) ratio | 4.0687% | 8,088 |
| Tier 1 risk-based capital ratio | 5.0618% | 8,098 |
| Total risk-based capital ratio | 6.3530% | 8,101 |
| Memoranda: | ||
| Average total assets | $29,354,000 | 7,630 |
| Average earning assets | $26,982,670 | 7,597 |
| Average equity | $1,606,670 | 8,073 |
| Average total loans | $23,788,670 | 7,098 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6892% | 3,861 |
| Cost of funding earning assets | 2.3147% | 2,636 |
| Net interest margin | 3.3745% | 5,238 |
| Noninterest income to average assets | 0.7848% | 2,401 |
| Noninterest expense to average assets | 6.0081% | 289 |
| Loan and lease loss provision to assets | 2.0198% | 595 |
| Net operating income to assets | -4.1555% | 7,993 |
| Return on assets (ROA) | -4.1555% | 7,986 |
| Pretax return on assets | -4.1297% | 7,921 |
| Return on Equity (ROE) | -70.9890% | 8,109 |
| Retained earnings to average equity (ytd only) | -70.9890% | 8,098 |
| Net charge-offs to loans | 2.2277% | 651 |
| Credit loss provision to net charge-offs | 117.1642% | 3,332 |
| Earnings coverage of net charge-offs (x) | -1.2239% | 5,403 |
| Efficiency ratio | 154.1254% | 334 |
| Assets per employee ($millions) | 2.2688% | 7,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9372% | 508 |
| Loan loss allowance to noncurrent loans | 74.8352% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 3.4651% | 1,555 |
| Noncurrent loans to loans | 3.9250% | 1,551 |
| Net loans and leases to total assets | 76.3003% | 2,207 |
| Net loans and leases to deposits | 81.9400% | 4,295 |
| Net loans and leases to core deposits | 105.0313% | 4,028 |
| Total domestic deposits to total assets | 93.1172% | 76 |
| Equity capital to assets | 5.6249% | 8,055 |
| Core capital (leverage) ratio | 5.4630% | 8,084 |
| Tier 1 risk-based capital ratio | 6.9604% | 8,100 |
| Total risk-based capital ratio | 8.2316% | 8,106 |
| Memoranda: | ||
| Average total assets | $31,091,500 | 7,606 |
| Average earning assets | $28,686,000 | 7,585 |
| Average equity | $1,820,000 | 8,088 |
| Average total loans | $24,061,000 | 7,129 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2356% | 680 |
| Cost of funding earning assets | 2.7586% | 2,882 |
| Net interest margin | 4.4770% | 1,480 |
| Noninterest income to average assets | 1.2138% | 1,008 |
| Noninterest expense to average assets | 5.8170% | 438 |
| Loan and lease loss provision to assets | 1.6840% | 768 |
| Net operating income to assets | -2.1480% | 7,638 |
| Return on assets (ROA) | -2.1480% | 7,597 |
| Pretax return on assets | -2.1480% | 7,486 |
| Return on Equity (ROE) | -28.0160% | 7,921 |
| Retained earnings to average equity (ytd only) | -28.0160% | 7,872 |
| Net charge-offs to loans | 0.6778% | 1,817 |
| Credit loss provision to net charge-offs | 297.8261% | 1,521 |
| Earnings coverage of net charge-offs (x) | -0.8207% | 6,563 |
| Efficiency ratio | 108.6682% | 740 |
| Assets per employee ($millions) | 1.8161% | 8,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6386% | 590 |
| Loan loss allowance to noncurrent loans | 72.5469% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 3.1173% | 1,470 |
| Noncurrent loans to loans | 3.6372% | 1,390 |
| Net loans and leases to total assets | 74.2727% | 3,036 |
| Net loans and leases to deposits | 80.1102% | 5,030 |
| Net loans and leases to core deposits | 98.6590% | 4,971 |
| Total domestic deposits to total assets | 92.7131% | 73 |
| Equity capital to assets | 6.0601% | 8,052 |
| Core capital (leverage) ratio | 5.9923% | 8,082 |
| Tier 1 risk-based capital ratio | 7.5868% | 8,126 |
| Total risk-based capital ratio | 8.8507% | 8,151 |
| Memoranda: | ||
| Average total assets | $32,542,400 | 7,534 |
| Average earning assets | $30,087,200 | 7,505 |
| Average equity | $2,495,000 | 7,989 |
| Average total loans | $27,146,800 | 6,889 |