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Sterling Bank, Performance and Condition Ratios
| 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 | 3.7200% | 7,629 |
| Cost of funding earning assets | 0.6295% | 7,496 |
| Net interest margin | 3.0904% | 6,615 |
| Noninterest income to average assets | 0.3786% | 5,106 |
| Noninterest expense to average assets | 1.6436% | 7,625 |
| Loan and lease loss provision to assets | 1.3405% | 893 |
| Net operating income to assets | 0.2103% | 5,646 |
| Return on assets (ROA) | 0.2116% | 5,762 |
| Pretax return on assets | 0.3656% | 5,395 |
| Return on Equity (ROE) | 2.4019% | 5,593 |
| Retained earnings to average equity (ytd only) | -18.6675% | 7,336 |
| Net charge-offs to loans | 1.8731% | 921 |
| Credit loss provision to net charge-offs | 123.1250% | 2,843 |
| Earnings coverage of net charge-offs (x) | 1.5659% | 3,792 |
| Efficiency ratio | 49.0855% | 7,371 |
| Assets per employee ($millions) | 10.6434% | 222 |
| Cash dividends to net income (ytd only)* | 877.1930% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2327% | 1,688 |
| Loan loss allowance to noncurrent loans | 48.0429% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 2.9635% | 2,426 |
| Noncurrent loans to loans | 4.6473% | 1,594 |
| Net loans and leases to total assets | 58.5061% | 5,344 |
| Net loans and leases to deposits | 66.1295% | 5,806 |
| Net loans and leases to core deposits | 75.8726% | 5,273 |
| Total domestic deposits to total assets | 88.4720% | 1,812 |
| Equity capital to assets | 9.0198% | 5,248 |
| Core capital (leverage) ratio | 9.2443% | 4,148 |
| Tier 1 risk-based capital ratio | 14.1613% | 3,557 |
| Total risk-based capital ratio | 15.4207% | 3,521 |
| Memoranda: | ||
| Average total assets | $646,643,500 | 1,067 |
| Average earning assets | $621,399,500 | 1,006 |
| Average equity | $56,954,500 | 1,164 |
| Average total loans | $375,856,500 | 1,263 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6905% | 7,785 |
| Cost of funding earning assets | 0.9347% | 7,335 |
| Net interest margin | 2.7558% | 7,133 |
| Noninterest income to average assets | 0.2899% | 6,038 |
| Noninterest expense to average assets | 1.6951% | 7,706 |
| Loan and lease loss provision to assets | 1.1928% | 1,931 |
| Net operating income to assets | 0.0345% | 5,381 |
| Return on assets (ROA) | 0.1965% | 4,979 |
| Pretax return on assets | 0.2399% | 4,914 |
| Return on Equity (ROE) | 2.4788% | 4,722 |
| Retained earnings to average equity (ytd only) | -2.5554% | 5,626 |
| Net charge-offs to loans | 1.6582% | 1,527 |
| Credit loss provision to net charge-offs | 125.5013% | 4,163 |
| Earnings coverage of net charge-offs (x) | 1.3096% | 4,818 |
| Efficiency ratio | 57.6596% | 6,814 |
| Assets per employee ($millions) | 10.9027% | 215 |
| Cash dividends to net income (ytd only)* | 203.0921% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0510% | 1,913 |
| Loan loss allowance to noncurrent loans | 52.3361% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 2.4534% | 2,836 |
| Noncurrent loans to loans | 3.9189% | 1,896 |
| Net loans and leases to total assets | 55.3954% | 6,035 |
| Net loans and leases to deposits | 62.7424% | 6,389 |
| Net loans and leases to core deposits | 72.4635% | 6,623 |
| Total domestic deposits to total assets | 88.2902% | 1,828 |
| Equity capital to assets | 8.6140% | 5,712 |
| Core capital (leverage) ratio | 8.5885% | 5,116 |
| Tier 1 risk-based capital ratio | 13.9593% | 3,523 |
| Total risk-based capital ratio | 15.2162% | 3,474 |
| Memoranda: | ||
| Average total assets | $724,098,600 | 938 |
| Average earning assets | $696,272,600 | 896 |
| Average equity | $57,407,200 | 1,153 |
| Average total loans | $415,036,600 | 1,165 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6216% | 7,916 |
| Cost of funding earning assets | 1.0106% | 7,367 |
| Net interest margin | 2.6110% | 7,341 |
| Noninterest income to average assets | 0.1947% | 6,825 |
| Noninterest expense to average assets | 1.7390% | 7,722 |
| Loan and lease loss provision to assets | 1.2905% | 1,492 |
| Net operating income to assets | -0.1848% | 6,034 |
| Return on assets (ROA) | 0.0388% | 5,671 |
| Pretax return on assets | -0.0638% | 5,799 |
| Return on Equity (ROE) | 0.4988% | 5,640 |
| Retained earnings to average equity (ytd only) | -1.1095% | 5,521 |
| Net charge-offs to loans | 1.9214% | 1,038 |
| Credit loss provision to net charge-offs | 116.8224% | 4,352 |
| Earnings coverage of net charge-offs (x) | 0.8756% | 5,184 |
| Efficiency ratio | 64.2594% | 5,695 |
| Assets per employee ($millions) | 10.2131% | 248 |
| Cash dividends to net income (ytd only)* | 322.4267% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7911% | 2,308 |
| Loan loss allowance to noncurrent loans | 44.8820% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 2.6661% | 2,614 |
| Noncurrent loans to loans | 3.9908% | 1,843 |
| Net loans and leases to total assets | 62.5932% | 5,142 |
| Net loans and leases to deposits | 72.2624% | 5,605 |
| Net loans and leases to core deposits | 89.5532% | 5,480 |
| Total domestic deposits to total assets | 86.6194% | 2,369 |
| Equity capital to assets | 9.5724% | 4,649 |
| Core capital (leverage) ratio | 9.7408% | 3,585 |
| Tier 1 risk-based capital ratio | 14.1012% | 3,487 |
| Total risk-based capital ratio | 15.3559% | 3,429 |
| Memoranda: | ||
| Average total assets | $736,130,750 | 933 |
| Average earning assets | $708,061,250 | 893 |
| Average equity | $57,202,000 | 1,172 |
| Average total loans | $423,221,500 | 1,154 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4936% | 8,027 |
| Cost of funding earning assets | 1.0907% | 7,394 |
| Net interest margin | 2.4028% | 7,570 |
| Noninterest income to average assets | 0.0827% | 7,562 |
| Noninterest expense to average assets | 1.7939% | 7,750 |
| Loan and lease loss provision to assets | 1.5047% | 1,139 |
| Net operating income to assets | -0.5466% | 6,593 |
| Return on assets (ROA) | -0.3272% | 6,371 |
| Pretax return on assets | -0.6934% | 6,594 |
| Return on Equity (ROE) | -4.4901% | 6,547 |
| Retained earnings to average equity (ytd only) | -6.9373% | 6,547 |
| Net charge-offs to loans | 2.3374% | 763 |
| Credit loss provision to net charge-offs | 115.3328% | 4,015 |
| Earnings coverage of net charge-offs (x) | 0.4536% | 5,248 |
| Efficiency ratio | 75.1923% | 3,847 |
| Assets per employee ($millions) | 10.5997% | 227 |
| Cash dividends to net income (ytd only)* | -54.5024% | 8,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 2,622 |
| Loan loss allowance to noncurrent loans | 56.5400% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 2.8818% | 2,221 |
| Noncurrent loans to loans | 2.8804% | 2,504 |
| Net loans and leases to total assets | 64.0868% | 4,964 |
| Net loans and leases to deposits | 73.6538% | 5,510 |
| Net loans and leases to core deposits | 91.0682% | 5,438 |
| Total domestic deposits to total assets | 87.0109% | 2,252 |
| Equity capital to assets | 9.0246% | 5,281 |
| Core capital (leverage) ratio | 6.6910% | 7,704 |
| Tier 1 risk-based capital ratio | 12.5953% | 4,449 |
| Total risk-based capital ratio | 13.8475% | 4,366 |
| Memoranda: | ||
| Average total assets | $773,842,000 | 909 |
| Average earning assets | $741,706,670 | 861 |
| Average equity | $56,390,670 | 1,197 |
| Average total loans | $431,940,000 | 1,153 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1455% | 8,127 |
| Cost of funding earning assets | 1.1446% | 7,432 |
| Net interest margin | 2.0009% | 7,896 |
| Noninterest income to average assets | 0.3229% | 5,870 |
| Noninterest expense to average assets | 1.7667% | 7,740 |
| Loan and lease loss provision to assets | 1.5060% | 832 |
| Net operating income to assets | -0.6104% | 6,976 |
| Return on assets (ROA) | -0.2675% | 6,719 |
| Pretax return on assets | -0.6849% | 6,959 |
| Return on Equity (ROE) | -4.0426% | 6,895 |
| Retained earnings to average equity (ytd only) | -4.0426% | 6,432 |
| Net charge-offs to loans | 2.3517% | 618 |
| Credit loss provision to net charge-offs | 122.6371% | 3,222 |
| Earnings coverage of net charge-offs (x) | 0.3893% | 4,672 |
| Efficiency ratio | 78.7021% | 3,046 |
| Assets per employee ($millions) | 15.4000% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5629% | 2,679 |
| Loan loss allowance to noncurrent loans | 56.6718% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 2.1593% | 2,658 |
| Noncurrent loans to loans | 2.7578% | 2,376 |
| Net loans and leases to total assets | 42.6111% | 7,428 |
| Net loans and leases to deposits | 46.6417% | 7,641 |
| Net loans and leases to core deposits | 53.5773% | 7,689 |
| Total domestic deposits to total assets | 91.3586% | 310 |
| Equity capital to assets | 6.0470% | 7,986 |
| Core capital (leverage) ratio | 5.9670% | 8,012 |
| Tier 1 risk-based capital ratio | 10.8407% | 6,054 |
| Total risk-based capital ratio | 12.0270% | 6,020 |
| Memoranda: | ||
| Average total assets | $837,473,500 | 842 |
| Average earning assets | $804,440,500 | 793 |
| Average equity | $55,410,500 | 1,232 |
| Average total loans | $437,294,000 | 1,155 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5096% | 7,278 |
| Cost of funding earning assets | 1.8343% | 6,916 |
| Net interest margin | 3.6753% | 4,577 |
| Noninterest income to average assets | 0.6219% | 3,698 |
| Noninterest expense to average assets | 1.5065% | 8,033 |
| Loan and lease loss provision to assets | 1.1954% | 1,206 |
| Net operating income to assets | 0.9137% | 2,945 |
| Return on assets (ROA) | 0.9137% | 2,795 |
| Pretax return on assets | 1.4416% | 1,846 |
| Return on Equity (ROE) | 10.2739% | 2,167 |
| Retained earnings to average equity (ytd only) | -7.4144% | 6,824 |
| Net charge-offs to loans | 1.2182% | 991 |
| Credit loss provision to net charge-offs | 127.3567% | 4,189 |
| Earnings coverage of net charge-offs (x) | 2.8094% | 4,676 |
| Efficiency ratio | 36.3586% | 8,187 |
| Assets per employee ($millions) | 10.2888% | 235 |
| Cash dividends to net income (ytd only)* | 172.1673% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 3,432 |
| Loan loss allowance to noncurrent loans | 52.8809% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 1.8504% | 2,670 |
| Noncurrent loans to loans | 2.5688% | 2,113 |
| Net loans and leases to total assets | 64.0982% | 5,253 |
| Net loans and leases to deposits | 72.5240% | 5,998 |
| Net loans and leases to core deposits | 94.4553% | 5,407 |
| Total domestic deposits to total assets | 88.3821% | 1,300 |
| Equity capital to assets | 7.4305% | 7,446 |
| Core capital (leverage) ratio | 8.3406% | 5,871 |
| Tier 1 risk-based capital ratio | 9.2431% | 7,575 |
| Total risk-based capital ratio | 10.4018% | 7,629 |
| Memoranda: | ||
| Average total assets | $565,084,400 | 1,193 |
| Average earning assets | $541,450,600 | 1,141 |
| Average equity | $50,253,400 | 1,346 |
| Average total loans | $435,409,400 | 1,100 |