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Strata Bank, Performance and Condition Ratios
| 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 | 5.8170% | 2,974 |
| Cost of funding earning assets | 2.7626% | 873 |
| Net interest margin | 3.0544% | 6,383 |
| Noninterest income to average assets | -0.6533% | 8,140 |
| Noninterest expense to average assets | 3.4943% | 2,353 |
| Loan and lease loss provision to assets | 1.8525% | 886 |
| Net operating income to assets | -1.9909% | 7,427 |
| Return on assets (ROA) | -1.9674% | 7,415 |
| Pretax return on assets | -3.2687% | 7,627 |
| Return on Equity (ROE) | -36.6471% | 7,808 |
| Retained earnings to average equity (ytd only) | -36.6471% | 7,793 |
| Net charge-offs to loans | 0.2096% | 4,199 |
| Credit loss provision to net charge-offs | 1,074.6914% | 457 |
| Earnings coverage of net charge-offs (x) | -8.4290% | 6,507 |
| Efficiency ratio | 171.1754% | 281 |
| Assets per employee ($millions) | 4.4541% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3022% | 1,098 |
| Loan loss allowance to noncurrent loans | 105.4181% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 2.4388% | 2,647 |
| Noncurrent loans to loans | 2.1839% | 3,274 |
| Net loans and leases to total assets | 77.2774% | 1,898 |
| Net loans and leases to deposits | 116.6526% | 313 |
| Net loans and leases to core deposits | 144.2135% | 830 |
| Total domestic deposits to total assets | 66.2458% | 7,725 |
| Equity capital to assets | 4.9182% | 8,042 |
| Core capital (leverage) ratio | 3.4180% | 8,113 |
| Tier 1 risk-based capital ratio | 5.0794% | 8,097 |
| Total risk-based capital ratio | 6.3476% | 8,102 |
| Memoranda: | ||
| Average total assets | $375,927,330 | 1,853 |
| Average earning assets | $331,647,330 | 1,907 |
| Average equity | $20,181,670 | 3,216 |
| Average total loans | $309,105,000 | 1,601 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7469% | 3,545 |
| Cost of funding earning assets | 2.8168% | 943 |
| Net interest margin | 2.9301% | 6,670 |
| Noninterest income to average assets | 0.4844% | 4,465 |
| Noninterest expense to average assets | 3.3115% | 2,628 |
| Loan and lease loss provision to assets | 0.1425% | 5,119 |
| Net operating income to assets | -0.3240% | 6,708 |
| Return on assets (ROA) | -0.3198% | 6,778 |
| Pretax return on assets | -0.3176% | 6,688 |
| Return on Equity (ROE) | -5.7220% | 7,038 |
| Retained earnings to average equity (ytd only) | -5.7220% | 6,648 |
| Net charge-offs to loans | 0.0945% | 4,231 |
| Credit loss provision to net charge-offs | 180.0000% | 2,412 |
| Earnings coverage of net charge-offs (x) | -2.2667% | 5,485 |
| Efficiency ratio | 105.7278% | 930 |
| Assets per employee ($millions) | 4.1365% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 4,993 |
| Loan loss allowance to noncurrent loans | 58.3588% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 2.8932% | 1,968 |
| Noncurrent loans to loans | 2.0028% | 3,258 |
| Net loans and leases to total assets | 82.5377% | 923 |
| Net loans and leases to deposits | 125.2824% | 196 |
| Net loans and leases to core deposits | 157.0224% | 544 |
| Total domestic deposits to total assets | 65.8813% | 7,739 |
| Equity capital to assets | 5.5850% | 8,062 |
| Core capital (leverage) ratio | 4.8117% | 8,137 |
| Tier 1 risk-based capital ratio | 6.7791% | 8,110 |
| Total risk-based capital ratio | 8.0305% | 8,120 |
| Memoranda: | ||
| Average total assets | $379,046,000 | 1,843 |
| Average earning assets | $342,516,000 | 1,861 |
| Average equity | $21,181,500 | 3,092 |
| Average total loans | $317,448,000 | 1,581 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1001% | 5,043 |
| Cost of funding earning assets | 3.0609% | 1,637 |
| Net interest margin | 3.0393% | 6,815 |
| Noninterest income to average assets | 0.4408% | 5,110 |
| Noninterest expense to average assets | 3.1600% | 3,479 |
| Loan and lease loss provision to assets | 1.1179% | 1,295 |
| Net operating income to assets | -0.6120% | 7,014 |
| Return on assets (ROA) | -1.9943% | 7,564 |
| Pretax return on assets | -3.1901% | 7,754 |
| Return on Equity (ROE) | -31.7235% | 7,986 |
| Retained earnings to average equity (ytd only) | -31.7235% | 7,942 |
| Net charge-offs to loans | 1.1447% | 1,058 |
| Credit loss provision to net charge-offs | 119.8205% | 4,488 |
| Earnings coverage of net charge-offs (x) | 0.0940% | 6,191 |
| Efficiency ratio | 97.3008% | 1,086 |
| Assets per employee ($millions) | 4.1485% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 5,257 |
| Loan loss allowance to noncurrent loans | 58.3796% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 2.7856% | 1,685 |
| Noncurrent loans to loans | 1.8896% | 2,925 |
| Net loans and leases to total assets | 83.0499% | 1,037 |
| Net loans and leases to deposits | 131.0047% | 198 |
| Net loans and leases to core deposits | 169.3744% | 414 |
| Total domestic deposits to total assets | 63.3946% | 7,819 |
| Equity capital to assets | 5.5911% | 8,125 |
| Core capital (leverage) ratio | 4.7307% | 8,230 |
| Tier 1 risk-based capital ratio | 6.7629% | 8,191 |
| Total risk-based capital ratio | 8.0133% | 8,200 |
| Memoranda: | ||
| Average total assets | $406,105,000 | 1,675 |
| Average earning assets | $375,057,400 | 1,653 |
| Average equity | $25,530,000 | 2,598 |
| Average total loans | $331,010,000 | 1,464 |