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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 | 5.2472% | 3,729 |
| Cost of funding earning assets | 1.5438% | 2,993 |
| Net interest margin | 3.7035% | 4,351 |
| Noninterest income to average assets | 0.0000% | 7,524 |
| Noninterest expense to average assets | 3.8329% | 1,301 |
| Loan and lease loss provision to assets | 0.6160% | 2,321 |
| Net operating income to assets | -1.0546% | 6,969 |
| Return on assets (ROA) | -1.0491% | 6,982 |
| Pretax return on assets | -1.0491% | 6,911 |
| Return on Equity (ROE) | -17.2124% | 7,209 |
| Retained earnings to average equity (ytd only) | -17.2124% | 7,176 |
| Net charge-offs to loans | 1.7683% | 1,056 |
| Credit loss provision to net charge-offs | 43.3359% | 5,550 |
| Earnings coverage of net charge-offs (x) | -0.3086% | 5,933 |
| Efficiency ratio | 109.7274% | 551 |
| Assets per employee ($millions) | 3.4681% | 5,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9725% | 839 |
| Loan loss allowance to noncurrent loans | 39.7421% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 6.6245% | 830 |
| Noncurrent loans to loans | 7.4794% | 719 |
| Net loans and leases to total assets | 77.1602% | 1,262 |
| Net loans and leases to deposits | 86.0795% | 2,491 |
| Net loans and leases to core deposits | 89.6696% | 3,321 |
| Total domestic deposits to total assets | 89.6383% | 1,106 |
| Equity capital to assets | 6.0341% | 7,534 |
| Core capital (leverage) ratio | 5.2375% | 7,576 |
| Tier 1 risk-based capital ratio | 7.0927% | 7,593 |
| Total risk-based capital ratio | 8.3661% | 7,598 |
| Memoranda: | ||
| Average total assets | $365,259,000 | 1,831 |
| Average earning assets | $334,767,330 | 1,826 |
| Average equity | $22,263,000 | 2,886 |
| Average total loans | $293,619,670 | 1,553 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2863% | 3,607 |
| Cost of funding earning assets | 1.5984% | 2,973 |
| Net interest margin | 3.6879% | 4,315 |
| Noninterest income to average assets | 0.0238% | 7,587 |
| Noninterest expense to average assets | 3.7630% | 1,386 |
| Loan and lease loss provision to assets | 0.5958% | 2,132 |
| Net operating income to assets | -0.9510% | 7,083 |
| Return on assets (ROA) | -0.9402% | 7,099 |
| Pretax return on assets | -0.9402% | 7,022 |
| Return on Equity (ROE) | -15.3513% | 7,324 |
| Retained earnings to average equity (ytd only) | -15.3513% | 7,225 |
| Net charge-offs to loans | 1.6488% | 1,056 |
| Credit loss provision to net charge-offs | 44.7154% | 4,563 |
| Earnings coverage of net charge-offs (x) | -0.2667% | 5,194 |
| Efficiency ratio | 107.2791% | 651 |
| Assets per employee ($millions) | 3.4161% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1180% | 745 |
| Loan loss allowance to noncurrent loans | 49.1799% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 5.3055% | 1,180 |
| Noncurrent loans to loans | 6.3399% | 997 |
| Net loans and leases to total assets | 77.7776% | 1,192 |
| Net loans and leases to deposits | 86.6620% | 2,473 |
| Net loans and leases to core deposits | 90.1658% | 3,347 |
| Total domestic deposits to total assets | 89.7481% | 1,113 |
| Equity capital to assets | 6.0289% | 7,618 |
| Core capital (leverage) ratio | 5.4689% | 7,657 |
| Tier 1 risk-based capital ratio | 7.1682% | 7,683 |
| Total risk-based capital ratio | 8.4437% | 7,685 |
| Memoranda: | ||
| Average total assets | $369,279,500 | 1,858 |
| Average earning assets | $338,835,500 | 1,843 |
| Average equity | $22,617,000 | 2,862 |
| Average total loans | $298,392,500 | 1,573 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4145% | 4,626 |
| Cost of funding earning assets | 2.1313% | 2,324 |
| Net interest margin | 3.2832% | 5,806 |
| Noninterest income to average assets | 0.1253% | 7,122 |
| Noninterest expense to average assets | 3.7036% | 1,909 |
| Loan and lease loss provision to assets | 1.4129% | 1,623 |
| Net operating income to assets | -2.5189% | 7,274 |
| Return on assets (ROA) | -2.5176% | 7,268 |
| Pretax return on assets | -1.9826% | 6,939 |
| Return on Equity (ROE) | -36.3570% | 7,509 |
| Retained earnings to average equity (ytd only) | -36.3570% | 7,497 |
| Net charge-offs to loans | 1.3293% | 1,876 |
| Credit loss provision to net charge-offs | 134.5482% | 3,694 |
| Earnings coverage of net charge-offs (x) | -0.5437% | 6,720 |
| Efficiency ratio | 114.9121% | 688 |
| Assets per employee ($millions) | 3.4544% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2984% | 608 |
| Loan loss allowance to noncurrent loans | 58.0810% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 4.9161% | 1,261 |
| Noncurrent loans to loans | 5.6790% | 1,124 |
| Net loans and leases to total assets | 78.6438% | 1,257 |
| Net loans and leases to deposits | 87.7950% | 2,593 |
| Net loans and leases to core deposits | 96.4917% | 4,401 |
| Total domestic deposits to total assets | 89.5766% | 1,168 |
| Equity capital to assets | 6.2202% | 7,624 |
| Core capital (leverage) ratio | 5.5242% | 7,707 |
| Tier 1 risk-based capital ratio | 7.3627% | 7,711 |
| Total risk-based capital ratio | 8.6405% | 7,715 |
| Memoranda: | ||
| Average total assets | $381,471,400 | 1,792 |
| Average earning assets | $349,415,000 | 1,785 |
| Average equity | $26,415,800 | 2,495 |
| Average total loans | $301,360,600 | 1,591 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4209% | 4,843 |
| Cost of funding earning assets | 2.2438% | 2,212 |
| Net interest margin | 3.1771% | 6,097 |
| Noninterest income to average assets | 0.1231% | 7,275 |
| Noninterest expense to average assets | 3.6930% | 1,838 |
| Loan and lease loss provision to assets | 1.8694% | 987 |
| Net operating income to assets | -3.5199% | 7,692 |
| Return on assets (ROA) | -3.5182% | 7,695 |
| Pretax return on assets | -2.5273% | 7,353 |
| Return on Equity (ROE) | -49.5930% | 7,827 |
| Retained earnings to average equity (ytd only) | -49.5930% | 7,824 |
| Net charge-offs to loans | 1.4653% | 1,404 |
| Credit loss provision to net charge-offs | 162.6433% | 2,900 |
| Earnings coverage of net charge-offs (x) | -0.5739% | 6,504 |
| Efficiency ratio | 118.3512% | 618 |
| Assets per employee ($millions) | 3.5107% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5712% | 390 |
| Loan loss allowance to noncurrent loans | 62.9496% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 4.8700% | 1,210 |
| Noncurrent loans to loans | 5.6731% | 1,089 |
| Net loans and leases to total assets | 74.8442% | 2,280 |
| Net loans and leases to deposits | 83.4130% | 3,753 |
| Net loans and leases to core deposits | 92.5527% | 5,181 |
| Total domestic deposits to total assets | 89.7272% | 876 |
| Equity capital to assets | 5.9291% | 7,869 |
| Core capital (leverage) ratio | 5.3684% | 7,888 |
| Tier 1 risk-based capital ratio | 7.1268% | 7,882 |
| Total risk-based capital ratio | 8.4075% | 7,884 |
| Memoranda: | ||
| Average total assets | $384,434,000 | 1,790 |
| Average earning assets | $352,137,250 | 1,789 |
| Average equity | $27,272,000 | 2,453 |
| Average total loans | $301,551,000 | 1,610 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4242% | 5,019 |
| Cost of funding earning assets | 2.3483% | 2,165 |
| Net interest margin | 3.0759% | 6,315 |
| Noninterest income to average assets | 0.0997% | 7,481 |
| Noninterest expense to average assets | 3.6891% | 1,862 |
| Loan and lease loss provision to assets | 2.7998% | 543 |
| Net operating income to assets | -5.0626% | 7,941 |
| Return on assets (ROA) | -5.0600% | 7,936 |
| Pretax return on assets | -3.5759% | 7,689 |
| Return on Equity (ROE) | -67.6466% | 8,012 |
| Retained earnings to average equity (ytd only) | -67.6466% | 8,005 |
| Net charge-offs to loans | 1.5231% | 1,248 |
| Credit loss provision to net charge-offs | 233.5355% | 1,983 |
| Earnings coverage of net charge-offs (x) | -0.6495% | 6,140 |
| Efficiency ratio | 123.2197% | 617 |
| Assets per employee ($millions) | 3.5176% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8620% | 291 |
| Loan loss allowance to noncurrent loans | 68.1154% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 4.8557% | 1,122 |
| Noncurrent loans to loans | 5.6698% | 1,004 |
| Net loans and leases to total assets | 75.3966% | 2,346 |
| Net loans and leases to deposits | 84.1505% | 3,853 |
| Net loans and leases to core deposits | 95.0904% | 4,997 |
| Total domestic deposits to total assets | 89.5974% | 1,003 |
| Equity capital to assets | 5.8322% | 7,957 |
| Core capital (leverage) ratio | 5.1470% | 8,014 |
| Tier 1 risk-based capital ratio | 6.9667% | 8,012 |
| Total risk-based capital ratio | 8.2509% | 8,016 |
| Memoranda: | ||
| Average total assets | $385,021,670 | 1,815 |
| Average earning assets | $351,832,670 | 1,812 |
| Average equity | $28,799,670 | 2,352 |
| Average total loans | $303,063,330 | 1,633 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3931% | 5,463 |
| Cost of funding earning assets | 2.4054% | 2,269 |
| Net interest margin | 2.9877% | 6,515 |
| Noninterest income to average assets | 0.2001% | 6,858 |
| Noninterest expense to average assets | 3.4845% | 2,145 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.3515% | 6,738 |
| Return on assets (ROA) | -0.3515% | 6,816 |
| Pretax return on assets | -0.5661% | 6,874 |
| Return on Equity (ROE) | -4.2351% | 6,911 |
| Retained earnings to average equity (ytd only) | -4.2351% | 6,455 |
| Net charge-offs to loans | 0.1985% | 3,447 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -3.6159% | 5,529 |
| Efficiency ratio | 115.8792% | 693 |
| Assets per employee ($millions) | 3.4776% | 4,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7679% | 597 |
| Loan loss allowance to noncurrent loans | 54.0541% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 4.2920% | 1,157 |
| Noncurrent loans to loans | 5.1205% | 1,060 |
| Net loans and leases to total assets | 74.9124% | 2,525 |
| Net loans and leases to deposits | 85.6735% | 3,690 |
| Net loans and leases to core deposits | 96.8215% | 4,865 |
| Total domestic deposits to total assets | 87.4394% | 1,996 |
| Equity capital to assets | 8.1399% | 6,613 |
| Core capital (leverage) ratio | 7.1898% | 7,487 |
| Tier 1 risk-based capital ratio | 9.1687% | 7,693 |
| Total risk-based capital ratio | 10.4377% | 7,670 |
| Memoranda: | ||
| Average total assets | $385,821,000 | 1,820 |
| Average earning assets | $351,044,000 | 1,826 |
| Average equity | $32,018,500 | 2,117 |
| Average total loans | $304,244,500 | 1,641 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4326% | 3,268 |
| Cost of funding earning assets | 2.6494% | 3,436 |
| Net interest margin | 3.7831% | 4,089 |
| Noninterest income to average assets | 0.1971% | 7,038 |
| Noninterest expense to average assets | 6.7001% | 311 |
| Loan and lease loss provision to assets | 1.5586% | 853 |
| Net operating income to assets | -4.0585% | 7,997 |
| Return on assets (ROA) | -4.0376% | 7,978 |
| Pretax return on assets | -4.6690% | 7,984 |
| Return on Equity (ROE) | -35.3575% | 8,027 |
| Retained earnings to average equity (ytd only) | -35.3575% | 7,994 |
| Net charge-offs to loans | 0.1460% | 4,755 |
| Credit loss provision to net charge-offs | 1,353.3333% | 332 |
| Earnings coverage of net charge-offs (x) | -27.2178% | 6,952 |
| Efficiency ratio | 97.6599% | 1,073 |
| Assets per employee ($millions) | 3.3217% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7904% | 518 |
| Loan loss allowance to noncurrent loans | 67.6956% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 3.5717% | 1,237 |
| Noncurrent loans to loans | 4.1220% | 1,179 |
| Net loans and leases to total assets | 78.4834% | 2,005 |
| Net loans and leases to deposits | 90.2092% | 3,419 |
| Net loans and leases to core deposits | 99.1754% | 4,908 |
| Total domestic deposits to total assets | 87.0015% | 1,931 |
| Equity capital to assets | 8.4637% | 6,152 |
| Core capital (leverage) ratio | 7.2110% | 7,513 |
| Tier 1 risk-based capital ratio | 9.2544% | 7,566 |
| Total risk-based capital ratio | 10.5237% | 7,478 |
| Memoranda: | ||
| Average total assets | $390,724,600 | 1,735 |
| Average earning assets | $347,885,400 | 1,775 |
| Average equity | $44,618,600 | 1,511 |
| Average total loans | $308,286,800 | 1,572 |