Home > Statewide Bank > Performance and Condition Ratios
Statewide 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 | 6.2669% | 1,084 |
| Cost of funding earning assets | 2.6368% | 696 |
| Net interest margin | 3.6301% | 4,432 |
| Noninterest income to average assets | 0.6659% | 3,185 |
| Noninterest expense to average assets | 3.9681% | 1,406 |
| Loan and lease loss provision to assets | 2.6779% | 709 |
| Net operating income to assets | -1.7728% | 7,004 |
| Return on assets (ROA) | -3.6634% | 7,553 |
| Pretax return on assets | -5.7004% | 7,778 |
| Return on Equity (ROE) | -52.6319% | 7,704 |
| Retained earnings to average equity (ytd only) | -52.6319% | 7,698 |
| Net charge-offs to loans | 3.3119% | 605 |
| Credit loss provision to net charge-offs | 121.7810% | 4,355 |
| Earnings coverage of net charge-offs (x) | -0.0311% | 6,250 |
| Efficiency ratio | 101.7559% | 1,019 |
| Assets per employee ($millions) | 3.7418% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4328% | 556 |
| Loan loss allowance to noncurrent loans | 33.7071% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 7.9592% | 570 |
| Noncurrent loans to loans | 10.1842% | 395 |
| Net loans and leases to total assets | 62.2375% | 4,941 |
| Net loans and leases to deposits | 72.8372% | 5,217 |
| Net loans and leases to core deposits | 104.6688% | 3,496 |
| Total domestic deposits to total assets | 85.4474% | 3,321 |
| Equity capital to assets | 5.5827% | 7,721 |
| Core capital (leverage) ratio | 1.9609% | 7,954 |
| Tier 1 risk-based capital ratio | 1.9470% | 7,972 |
| Total risk-based capital ratio | 3.2092% | 7,972 |
| Memoranda: | ||
| Average total assets | $259,947,000 | 2,516 |
| Average earning assets | $231,564,200 | 2,583 |
| Average equity | $18,093,600 | 3,497 |
| Average total loans | $172,592,200 | 2,596 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3144% | 1,103 |
| Cost of funding earning assets | 2.7259% | 731 |
| Net interest margin | 3.5885% | 4,522 |
| Noninterest income to average assets | 0.7375% | 2,776 |
| Noninterest expense to average assets | 3.7900% | 1,611 |
| Loan and lease loss provision to assets | 2.1923% | 793 |
| Net operating income to assets | -1.3014% | 7,014 |
| Return on assets (ROA) | -3.7657% | 7,720 |
| Pretax return on assets | -5.8843% | 7,900 |
| Return on Equity (ROE) | -51.7436% | 7,844 |
| Retained earnings to average equity (ytd only) | -51.7436% | 7,839 |
| Net charge-offs to loans | 1.9597% | 1,015 |
| Credit loss provision to net charge-offs | 167.3603% | 2,799 |
| Earnings coverage of net charge-offs (x) | 0.1210% | 5,910 |
| Efficiency ratio | 95.9857% | 1,281 |
| Assets per employee ($millions) | 3.9066% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5817% | 386 |
| Loan loss allowance to noncurrent loans | 46.5585% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 6.2388% | 838 |
| Noncurrent loans to loans | 7.6929% | 660 |
| Net loans and leases to total assets | 62.3883% | 5,180 |
| Net loans and leases to deposits | 74.2991% | 5,328 |
| Net loans and leases to core deposits | 105.8072% | 3,720 |
| Total domestic deposits to total assets | 83.9691% | 3,740 |
| Equity capital to assets | 6.0572% | 7,850 |
| Core capital (leverage) ratio | 3.0993% | 8,023 |
| Tier 1 risk-based capital ratio | 4.1457% | 8,023 |
| Total risk-based capital ratio | 5.4190% | 8,028 |
| Memoranda: | ||
| Average total assets | $264,130,000 | 2,489 |
| Average earning assets | $236,344,000 | 2,556 |
| Average equity | $19,222,500 | 3,351 |
| Average total loans | $176,552,250 | 2,583 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3464% | 1,098 |
| Cost of funding earning assets | 2.8217% | 742 |
| Net interest margin | 3.5247% | 4,678 |
| Noninterest income to average assets | 0.8874% | 2,033 |
| Noninterest expense to average assets | 3.6011% | 2,071 |
| Loan and lease loss provision to assets | 1.3853% | 1,251 |
| Net operating income to assets | -0.4958% | 6,546 |
| Return on assets (ROA) | -2.9933% | 7,668 |
| Pretax return on assets | -4.8338% | 7,841 |
| Return on Equity (ROE) | -39.0577% | 7,836 |
| Retained earnings to average equity (ytd only) | -39.0577% | 7,819 |
| Net charge-offs to loans | 2.2786% | 781 |
| Credit loss provision to net charge-offs | 90.0389% | 4,923 |
| Earnings coverage of net charge-offs (x) | 0.2949% | 5,379 |
| Efficiency ratio | 88.8090% | 1,925 |
| Assets per employee ($millions) | 4.1670% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2704% | 1,139 |
| Loan loss allowance to noncurrent loans | 41.6375% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 4.8913% | 1,105 |
| Noncurrent loans to loans | 5.4527% | 1,066 |
| Net loans and leases to total assets | 66.5698% | 4,445 |
| Net loans and leases to deposits | 82.4129% | 4,157 |
| Net loans and leases to core deposits | 112.4408% | 3,084 |
| Total domestic deposits to total assets | 80.7759% | 5,160 |
| Equity capital to assets | 7.1849% | 7,494 |
| Core capital (leverage) ratio | 4.9224% | 8,034 |
| Tier 1 risk-based capital ratio | 6.9326% | 8,016 |
| Total risk-based capital ratio | 8.1934% | 8,022 |
| Memoranda: | ||
| Average total assets | $267,530,330 | 2,464 |
| Average earning assets | $240,419,670 | 2,516 |
| Average equity | $20,503,000 | 3,173 |
| Average total loans | $180,634,000 | 2,564 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3219% | 1,240 |
| Cost of funding earning assets | 2.8751% | 819 |
| Net interest margin | 3.4469% | 4,954 |
| Noninterest income to average assets | 1.3465% | 791 |
| Noninterest expense to average assets | 3.3391% | 2,542 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9621% | 2,469 |
| Return on assets (ROA) | 0.6360% | 4,041 |
| Pretax return on assets | 0.7454% | 4,272 |
| Return on Equity (ROE) | 8.0655% | 3,118 |
| Retained earnings to average equity (ytd only) | 8.0655% | 1,789 |
| Net charge-offs to loans | 1.5164% | 955 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.1073% | 4,196 |
| Efficiency ratio | 74.7307% | 3,699 |
| Assets per employee ($millions) | 4.2030% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9035% | 1,613 |
| Loan loss allowance to noncurrent loans | 29.0729% | 6,613 |
| Noncurrent assets plus other real estate owned to assets | 5.2812% | 826 |
| Noncurrent loans to loans | 6.5474% | 667 |
| Net loans and leases to total assets | 64.8339% | 4,833 |
| Net loans and leases to deposits | 81.1363% | 4,431 |
| Net loans and leases to core deposits | 109.7920% | 3,461 |
| Total domestic deposits to total assets | 79.9074% | 5,401 |
| Equity capital to assets | 8.1096% | 6,663 |
| Core capital (leverage) ratio | 7.1910% | 7,485 |
| Tier 1 risk-based capital ratio | 9.6139% | 7,327 |
| Total risk-based capital ratio | 10.8728% | 7,257 |
| Memoranda: | ||
| Average total assets | $274,202,500 | 2,426 |
| Average earning assets | $248,341,500 | 2,463 |
| Average equity | $21,623,000 | 3,026 |
| Average total loans | $184,380,000 | 2,539 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3025% | 592 |
| Cost of funding earning assets | 3.3706% | 758 |
| Net interest margin | 3.9320% | 3,438 |
| Noninterest income to average assets | 1.6825% | 482 |
| Noninterest expense to average assets | 4.3187% | 1,028 |
| Loan and lease loss provision to assets | 0.2255% | 4,633 |
| Net operating income to assets | 0.4444% | 4,974 |
| Return on assets (ROA) | -0.3058% | 6,607 |
| Pretax return on assets | -0.4799% | 6,635 |
| Return on Equity (ROE) | -4.7298% | 6,836 |
| Retained earnings to average equity (ytd only) | -4.7298% | 6,467 |
| Net charge-offs to loans | 0.2946% | 3,432 |
| Credit loss provision to net charge-offs | 105.5932% | 5,075 |
| Earnings coverage of net charge-offs (x) | 4.2983% | 4,038 |
| Efficiency ratio | 79.2798% | 2,709 |
| Assets per employee ($millions) | 3.7700% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1977% | 951 |
| Loan loss allowance to noncurrent loans | 28.5419% | 6,794 |
| Noncurrent assets plus other real estate owned to assets | 6.4965% | 429 |
| Noncurrent loans to loans | 7.6998% | 366 |
| Net loans and leases to total assets | 66.8813% | 4,661 |
| Net loans and leases to deposits | 83.9245% | 4,429 |
| Net loans and leases to core deposits | 110.6872% | 3,718 |
| Total domestic deposits to total assets | 79.6922% | 5,135 |
| Equity capital to assets | 7.6636% | 7,245 |
| Core capital (leverage) ratio | 7.0224% | 7,677 |
| Tier 1 risk-based capital ratio | 8.7957% | 7,911 |
| Total risk-based capital ratio | 10.0572% | 7,956 |
| Memoranda: | ||
| Average total assets | $276,310,600 | 2,340 |
| Average earning assets | $249,748,400 | 2,375 |
| Average equity | $17,865,600 | 3,574 |
| Average total loans | $200,302,000 | 2,295 |