Home > The Elizabeth State Bank > Performance and Condition Ratios
The Elizabeth State 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 | 5.7168% | 3,446 |
| Cost of funding earning assets | 2.0166% | 3,696 |
| Net interest margin | 3.7002% | 3,949 |
| Noninterest income to average assets | 0.4383% | 4,953 |
| Noninterest expense to average assets | 3.1838% | 3,374 |
| Loan and lease loss provision to assets | 0.6082% | 2,619 |
| Net operating income to assets | 0.1189% | 5,508 |
| Return on assets (ROA) | -12.3986% | 8,146 |
| Pretax return on assets | -12.3986% | 8,140 |
| Return on Equity (ROE) | -362.6642% | 8,172 |
| Retained earnings to average equity (ytd only) | -367.6335% | 8,173 |
| Net charge-offs to loans | 0.1479% | 4,711 |
| Credit loss provision to net charge-offs | 542.4242% | 859 |
| Earnings coverage of net charge-offs (x) | 6.4848% | 2,608 |
| Efficiency ratio | 81.4075% | 2,812 |
| Assets per employee ($millions) | 3.6685% | 4,402 |
| Cash dividends to net income (ytd only)* | -1.3702% | 7,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 4,055 |
| Loan loss allowance to noncurrent loans | 27.4379% | 6,671 |
| Noncurrent assets plus other real estate owned to assets | 8.5776% | 412 |
| Noncurrent loans to loans | 4.8734% | 1,280 |
| Net loans and leases to total assets | 76.9677% | 1,953 |
| Net loans and leases to deposits | 87.9953% | 3,171 |
| Net loans and leases to core deposits | 98.8632% | 4,612 |
| Total domestic deposits to total assets | 87.4680% | 2,026 |
| Equity capital to assets | 1.5701% | 8,153 |
| Core capital (leverage) ratio | 2.5255% | 8,133 |
| Tier 1 risk-based capital ratio | 2.0584% | 8,153 |
| Total risk-based capital ratio | 2.8817% | 8,157 |
| Memoranda: | ||
| Average total assets | $58,861,330 | 6,483 |
| Average earning assets | $55,241,000 | 6,419 |
| Average equity | $2,012,330 | 8,001 |
| Average total loans | $44,616,670 | 5,998 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6371% | 4,124 |
| Cost of funding earning assets | 2.0886% | 3,700 |
| Net interest margin | 3.5485% | 4,529 |
| Noninterest income to average assets | 0.3291% | 5,815 |
| Noninterest expense to average assets | 2.5140% | 5,787 |
| Loan and lease loss provision to assets | 1.0004% | 1,303 |
| Net operating income to assets | 0.1514% | 5,815 |
| Return on assets (ROA) | -23.4622% | 8,223 |
| Pretax return on assets | -23.4557% | 8,221 |
| Return on Equity (ROE) | -551.3242% | 8,241 |
| Retained earnings to average equity (ytd only) | -551.3242% | 8,241 |
| Net charge-offs to loans | 0.2992% | 2,918 |
| Credit loss provision to net charge-offs | 447.0588% | 1,184 |
| Earnings coverage of net charge-offs (x) | 5.1765% | 2,733 |
| Efficiency ratio | 68.4588% | 4,877 |
| Assets per employee ($millions) | 3.9148% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 4,690 |
| Loan loss allowance to noncurrent loans | 46.3891% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 5.3098% | 820 |
| Noncurrent loans to loans | 2.6210% | 2,514 |
| Net loans and leases to total assets | 75.5424% | 2,381 |
| Net loans and leases to deposits | 88.0403% | 3,281 |
| Net loans and leases to core deposits | 99.1839% | 4,622 |
| Total domestic deposits to total assets | 85.8043% | 2,823 |
| Equity capital to assets | 2.3654% | 8,212 |
| Core capital (leverage) ratio | 2.4509% | 8,212 |
| Tier 1 risk-based capital ratio | 2.1598% | 8,226 |
| Total risk-based capital ratio | 2.9113% | 8,229 |
| Memoranda: | ||
| Average total assets | $60,778,500 | 6,446 |
| Average earning assets | $57,263,500 | 6,366 |
| Average equity | $2,586,500 | 7,912 |
| Average total loans | $45,461,500 | 5,987 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3300% | 3,791 |
| Cost of funding earning assets | 2.8251% | 2,605 |
| Net interest margin | 3.5049% | 5,279 |
| Noninterest income to average assets | 0.3236% | 6,135 |
| Noninterest expense to average assets | 2.2298% | 6,895 |
| Loan and lease loss provision to assets | 0.0616% | 6,633 |
| Net operating income to assets | 1.3376% | 1,377 |
| Return on assets (ROA) | -1.5965% | 7,448 |
| Pretax return on assets | -1.5965% | 7,297 |
| Return on Equity (ROE) | -28.2628% | 7,930 |
| Retained earnings to average equity (ytd only) | -29.0812% | 7,892 |
| Net charge-offs to loans | 0.2337% | 3,912 |
| Credit loss provision to net charge-offs | 37.3832% | 6,471 |
| Earnings coverage of net charge-offs (x) | 8.4860% | 2,874 |
| Efficiency ratio | 61.4437% | 6,062 |
| Assets per employee ($millions) | 4.1890% | 3,138 |
| Cash dividends to net income (ytd only)* | -2.8958% | 7,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 6,504 |
| Loan loss allowance to noncurrent loans | 28.2882% | 6,816 |
| Noncurrent assets plus other real estate owned to assets | 6.7431% | 403 |
| Noncurrent loans to loans | 3.2879% | 1,584 |
| Net loans and leases to total assets | 72.5535% | 3,475 |
| Net loans and leases to deposits | 85.8243% | 4,141 |
| Net loans and leases to core deposits | 100.1780% | 4,812 |
| Total domestic deposits to total assets | 84.5373% | 3,054 |
| Equity capital to assets | 6.0221% | 8,057 |
| Core capital (leverage) ratio | 7.7451% | 6,868 |
| Tier 1 risk-based capital ratio | 10.2600% | 6,458 |
| Total risk-based capital ratio | 11.1153% | 6,768 |
| Memoranda: | ||
| Average total assets | $64,893,600 | 6,197 |
| Average earning assets | $61,200,800 | 6,124 |
| Average equity | $3,665,600 | 7,625 |
| Average total loans | $45,792,800 | 5,887 |