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Sterling 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 | 4.3051% | 7,045 |
| Cost of funding earning assets | 2.3740% | 257 |
| Net interest margin | 1.9310% | 7,660 |
| Noninterest income to average assets | 0.3709% | 5,170 |
| Noninterest expense to average assets | 3.0313% | 3,591 |
| Loan and lease loss provision to assets | 7.3173% | 38 |
| Net operating income to assets | -8.2308% | 7,788 |
| Return on assets (ROA) | -8.9491% | 7,799 |
| Pretax return on assets | -8.9491% | 7,800 |
| Return on Equity (ROE) | -1,103.0751% | 7,828 |
| Retained earnings to average equity (ytd only) | -1,103.0751% | 7,828 |
| Net charge-offs to loans | 11.7108% | 24 |
| Credit loss provision to net charge-offs | 98.5277% | 4,163 |
| Earnings coverage of net charge-offs (x) | -0.1230% | 5,821 |
| Efficiency ratio | 143.1324% | 237 |
| Assets per employee ($millions) | 6.0164% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6882% | 224 |
| Loan loss allowance to noncurrent loans | 54.6549% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 7.8050% | 639 |
| Noncurrent loans to loans | 8.5778% | 574 |
| Net loans and leases to total assets | 60.3204% | 4,994 |
| Net loans and leases to deposits | 64.9743% | 5,917 |
| Net loans and leases to core deposits | 80.6686% | 4,603 |
| Total domestic deposits to total assets | 92.8373% | 122 |
| Equity capital to assets | -1.3875% | 7,826 |
| Core capital (leverage) ratio | -0.8250% | 7,827 |
| Tier 1 risk-based capital ratio | -1.3427% | 7,827 |
| Total risk-based capital ratio | -1.3427% | 7,827 |
| Memoranda: | ||
| Average total assets | $382,272,000 | 1,760 |
| Average earning assets | $345,824,330 | 1,768 |
| Average equity | $3,101,330 | 7,384 |
| Average total loans | $242,426,000 | 1,853 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2797% | 7,161 |
| Cost of funding earning assets | 2.3543% | 354 |
| Net interest margin | 1.9254% | 7,742 |
| Noninterest income to average assets | 0.5738% | 3,472 |
| Noninterest expense to average assets | 2.6136% | 5,296 |
| Loan and lease loss provision to assets | 5.8799% | 122 |
| Net operating income to assets | -6.1688% | 7,824 |
| Return on assets (ROA) | -6.8801% | 7,843 |
| Pretax return on assets | -6.8801% | 7,832 |
| Return on Equity (ROE) | -382.8800% | 7,909 |
| Retained earnings to average equity (ytd only) | -382.8800% | 7,909 |
| Net charge-offs to loans | 5.4068% | 211 |
| Credit loss provision to net charge-offs | 171.3276% | 2,118 |
| Earnings coverage of net charge-offs (x) | -0.0842% | 5,088 |
| Efficiency ratio | 112.4294% | 550 |
| Assets per employee ($millions) | 6.3522% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3594% | 139 |
| Loan loss allowance to noncurrent loans | 43.7342% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 9.2413% | 465 |
| Noncurrent loans to loans | 12.2545% | 276 |
| Net loans and leases to total assets | 57.1799% | 5,573 |
| Net loans and leases to deposits | 62.4177% | 6,237 |
| Net loans and leases to core deposits | 82.1690% | 4,464 |
| Total domestic deposits to total assets | 91.6085% | 343 |
| Equity capital to assets | 0.9273% | 7,908 |
| Core capital (leverage) ratio | 1.7720% | 7,889 |
| Tier 1 risk-based capital ratio | 2.7628% | 7,883 |
| Total risk-based capital ratio | 5.5256% | 7,834 |
| Memoranda: | ||
| Average total assets | $395,925,000 | 1,740 |
| Average earning assets | $360,028,000 | 1,743 |
| Average equity | $7,114,500 | 6,151 |
| Average total loans | $251,314,500 | 1,858 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9101% | 6,684 |
| Cost of funding earning assets | 2.8749% | 338 |
| Net interest margin | 2.0352% | 7,726 |
| Noninterest income to average assets | 0.1612% | 6,917 |
| Noninterest expense to average assets | 2.6405% | 5,628 |
| Loan and lease loss provision to assets | 3.6455% | 415 |
| Net operating income to assets | -4.2705% | 7,645 |
| Return on assets (ROA) | -4.8368% | 7,719 |
| Pretax return on assets | -4.8368% | 7,677 |
| Return on Equity (ROE) | -81.7398% | 7,872 |
| Retained earnings to average equity (ytd only) | -81.7398% | 7,868 |
| Net charge-offs to loans | 5.2725% | 225 |
| Credit loss provision to net charge-offs | 98.2710% | 5,667 |
| Earnings coverage of net charge-offs (x) | -0.1685% | 6,409 |
| Efficiency ratio | 131.0131% | 468 |
| Assets per employee ($millions) | 6.2146% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1793% | 324 |
| Loan loss allowance to noncurrent loans | 52.0599% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 6.8135% | 758 |
| Noncurrent loans to loans | 8.0279% | 622 |
| Net loans and leases to total assets | 63.9135% | 4,620 |
| Net loans and leases to deposits | 71.5326% | 5,400 |
| Net loans and leases to core deposits | 118.2757% | 2,099 |
| Total domestic deposits to total assets | 89.3488% | 1,297 |
| Equity capital to assets | 2.7145% | 7,930 |
| Core capital (leverage) ratio | 3.7815% | 7,858 |
| Tier 1 risk-based capital ratio | 4.9182% | 7,875 |
| Total risk-based capital ratio | 7.6143% | 7,801 |
| Memoranda: | ||
| Average total assets | $391,333,400 | 1,758 |
| Average earning assets | $356,529,000 | 1,757 |
| Average equity | $23,156,400 | 2,811 |
| Average total loans | $275,332,800 | 1,746 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0170% | 6,553 |
| Cost of funding earning assets | 3.0086% | 323 |
| Net interest margin | 2.0084% | 7,805 |
| Noninterest income to average assets | 0.2077% | 6,738 |
| Noninterest expense to average assets | 2.6412% | 5,558 |
| Loan and lease loss provision to assets | 2.1925% | 792 |
| Net operating income to assets | -2.7963% | 7,540 |
| Return on assets (ROA) | -2.9382% | 7,574 |
| Pretax return on assets | -2.9382% | 7,483 |
| Return on Equity (ROE) | -43.8361% | 7,789 |
| Retained earnings to average equity (ytd only) | -43.8361% | 7,785 |
| Net charge-offs to loans | 4.9057% | 238 |
| Credit loss provision to net charge-offs | 62.7245% | 6,128 |
| Earnings coverage of net charge-offs (x) | -0.1727% | 6,262 |
| Efficiency ratio | 129.6352% | 481 |
| Assets per employee ($millions) | 5.8975% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6133% | 953 |
| Loan loss allowance to noncurrent loans | 34.6146% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 7.3645% | 623 |
| Noncurrent loans to loans | 7.5498% | 678 |
| Net loans and leases to total assets | 69.9088% | 3,540 |
| Net loans and leases to deposits | 81.9157% | 4,040 |
| Net loans and leases to core deposits | 128.2907% | 1,558 |
| Total domestic deposits to total assets | 85.3424% | 3,056 |
| Equity capital to assets | 6.3223% | 7,802 |
| Core capital (leverage) ratio | 6.5434% | 7,655 |
| Tier 1 risk-based capital ratio | 8.5631% | 7,725 |
| Total risk-based capital ratio | 11.2157% | 6,968 |
| Memoranda: | ||
| Average total assets | $392,840,000 | 1,761 |
| Average earning assets | $357,893,750 | 1,765 |
| Average equity | $26,330,750 | 2,524 |
| Average total loans | $279,915,000 | 1,742 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0785% | 6,514 |
| Cost of funding earning assets | 3.1478% | 306 |
| Net interest margin | 1.9307% | 7,897 |
| Noninterest income to average assets | 0.2110% | 6,791 |
| Noninterest expense to average assets | 2.5474% | 5,958 |
| Loan and lease loss provision to assets | 1.4112% | 1,227 |
| Net operating income to assets | -1.9873% | 7,426 |
| Return on assets (ROA) | -2.0468% | 7,435 |
| Pretax return on assets | -2.0468% | 7,303 |
| Return on Equity (ROE) | -30.0099% | 7,705 |
| Retained earnings to average equity (ytd only) | -30.0099% | 7,682 |
| Net charge-offs to loans | 4.4774% | 290 |
| Credit loss provision to net charge-offs | 44.3362% | 5,840 |
| Earnings coverage of net charge-offs (x) | -0.1810% | 5,870 |
| Efficiency ratio | 129.2237% | 531 |
| Assets per employee ($millions) | 6.1156% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6226% | 802 |
| Loan loss allowance to noncurrent loans | 51.9223% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 4.0816% | 1,434 |
| Noncurrent loans to loans | 5.0511% | 1,212 |
| Net loans and leases to total assets | 71.1519% | 3,435 |
| Net loans and leases to deposits | 85.4604% | 3,655 |
| Net loans and leases to core deposits | 136.2231% | 1,198 |
| Total domestic deposits to total assets | 83.2572% | 4,121 |
| Equity capital to assets | 6.6649% | 7,763 |
| Core capital (leverage) ratio | 6.3903% | 7,838 |
| Tier 1 risk-based capital ratio | 8.5927% | 7,830 |
| Total risk-based capital ratio | 11.1925% | 6,921 |
| Memoranda: | ||
| Average total assets | $399,939,670 | 1,755 |
| Average earning assets | $364,638,670 | 1,759 |
| Average equity | $27,277,670 | 2,449 |
| Average total loans | $284,316,670 | 1,739 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9249% | 7,113 |
| Cost of funding earning assets | 3.2705% | 287 |
| Net interest margin | 1.6545% | 8,016 |
| Noninterest income to average assets | 0.1647% | 7,128 |
| Noninterest expense to average assets | 2.2587% | 6,663 |
| Loan and lease loss provision to assets | 1.6367% | 762 |
| Net operating income to assets | -2.2207% | 7,712 |
| Return on assets (ROA) | -1.9214% | 7,638 |
| Pretax return on assets | -1.9214% | 7,513 |
| Return on Equity (ROE) | -27.8774% | 7,883 |
| Retained earnings to average equity (ytd only) | -27.8774% | 7,826 |
| Net charge-offs to loans | 1.3086% | 1,075 |
| Credit loss provision to net charge-offs | 178.2378% | 2,436 |
| Earnings coverage of net charge-offs (x) | -0.6359% | 5,292 |
| Efficiency ratio | 134.8661% | 459 |
| Assets per employee ($millions) | 6.1893% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0285% | 216 |
| Loan loss allowance to noncurrent loans | 62.8251% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 4.7551% | 978 |
| Noncurrent loans to loans | 6.4123% | 702 |
| Net loans and leases to total assets | 65.3549% | 4,736 |
| Net loans and leases to deposits | 75.8741% | 5,244 |
| Net loans and leases to core deposits | 115.6705% | 2,834 |
| Total domestic deposits to total assets | 86.1360% | 2,645 |
| Equity capital to assets | 6.5673% | 7,848 |
| Core capital (leverage) ratio | 6.4802% | 7,888 |
| Tier 1 risk-based capital ratio | 8.8381% | 7,865 |
| Total risk-based capital ratio | 11.3961% | 6,672 |
| Memoranda: | ||
| Average total assets | $410,327,000 | 1,724 |
| Average earning assets | $374,505,000 | 1,733 |
| Average equity | $28,281,000 | 2,400 |
| Average total loans | $287,950,500 | 1,724 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7615% | 1,822 |
| Cost of funding earning assets | 3.5909% | 401 |
| Net interest margin | 3.1706% | 6,463 |
| Noninterest income to average assets | 0.2795% | 6,465 |
| Noninterest expense to average assets | 2.5631% | 5,783 |
| Loan and lease loss provision to assets | 3.2873% | 260 |
| Net operating income to assets | -2.6840% | 7,757 |
| Return on assets (ROA) | -2.5315% | 7,687 |
| Pretax return on assets | -2.5315% | 7,601 |
| Return on Equity (ROE) | -30.8806% | 7,973 |
| Retained earnings to average equity (ytd only) | -35.4123% | 7,995 |
| Net charge-offs to loans | 2.3619% | 434 |
| Credit loss provision to net charge-offs | 175.0955% | 2,904 |
| Earnings coverage of net charge-offs (x) | 0.3214% | 6,036 |
| Efficiency ratio | 80.9451% | 2,457 |
| Assets per employee ($millions) | 5.2603% | 1,681 |
| Cash dividends to net income (ytd only)* | -14.6746% | 7,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7363% | 230 |
| Loan loss allowance to noncurrent loans | 85.7449% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 3.5397% | 1,254 |
| Noncurrent loans to loans | 4.3575% | 1,097 |
| Net loans and leases to total assets | 69.6594% | 4,104 |
| Net loans and leases to deposits | 81.9336% | 4,740 |
| Net loans and leases to core deposits | 122.8332% | 2,410 |
| Total domestic deposits to total assets | 85.0193% | 2,831 |
| Equity capital to assets | 7.2345% | 7,599 |
| Core capital (leverage) ratio | 7.4019% | 7,303 |
| Tier 1 risk-based capital ratio | 8.9921% | 7,785 |
| Total risk-based capital ratio | 11.5170% | 6,323 |
| Memoranda: | ||
| Average total assets | $390,314,400 | 1,738 |
| Average earning assets | $355,394,200 | 1,743 |
| Average equity | $31,997,400 | 2,113 |
| Average total loans | $310,253,400 | 1,562 |