Home > The Franklin Savings and Loan Company > Performance and Condition Ratios
The Franklin Savings and Loan Company, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3313% | 2,974 |
| Cost of funding earning assets | 2.5156% | 98 |
| Net interest margin | 2.8156% | 7,010 |
| Noninterest income to average assets | 1.5759% | 586 |
| Noninterest expense to average assets | 3.9374% | 1,255 |
| Loan and lease loss provision to assets | 0.6955% | 2,355 |
| Net operating income to assets | -0.2598% | 6,175 |
| Return on assets (ROA) | -0.2546% | 6,223 |
| Pretax return on assets | -0.5300% | 6,345 |
| Return on Equity (ROE) | -3.3998% | 6,313 |
| Retained earnings to average equity (ytd only) | -3.3998% | 6,144 |
| Net charge-offs to loans | 0.6764% | 2,980 |
| Credit loss provision to net charge-offs | 126.0897% | 3,218 |
| Earnings coverage of net charge-offs (x) | 0.2853% | 5,820 |
| Efficiency ratio | 96.1575% | 959 |
| Assets per employee ($millions) | 2.9109% | 6,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 5,007 |
| Loan loss allowance to noncurrent loans | 34.9212% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 4.0419% | 1,678 |
| Noncurrent loans to loans | 3.7197% | 1,996 |
| Net loans and leases to total assets | 79.6310% | 710 |
| Net loans and leases to deposits | 95.5291% | 908 |
| Net loans and leases to core deposits | 101.4189% | 1,500 |
| Total domestic deposits to total assets | 83.3579% | 4,660 |
| Equity capital to assets | 7.6524% | 6,777 |
| Core capital (leverage) ratio | 7.4003% | 6,784 |
| Tier 1 risk-based capital ratio | 10.2699% | 6,835 |
| Total risk-based capital ratio | 11.5216% | 6,813 |
| Memoranda: | ||
| Average total assets | $282,826,400 | 2,267 |
| Average earning assets | $253,017,400 | 2,317 |
| Average equity | $21,177,600 | 2,984 |
| Average total loans | $230,631,800 | 1,890 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3468% | 3,135 |
| Cost of funding earning assets | 2.5694% | 108 |
| Net interest margin | 2.7774% | 7,156 |
| Noninterest income to average assets | 1.3330% | 764 |
| Noninterest expense to average assets | 3.7197% | 1,527 |
| Loan and lease loss provision to assets | 0.7654% | 2,001 |
| Net operating income to assets | -0.4122% | 6,526 |
| Return on assets (ROA) | -0.4053% | 6,564 |
| Pretax return on assets | -0.6572% | 6,650 |
| Return on Equity (ROE) | -5.4414% | 6,679 |
| Retained earnings to average equity (ytd only) | -5.4414% | 6,590 |
| Net charge-offs to loans | 0.6190% | 2,890 |
| Credit loss provision to net charge-offs | 151.2442% | 2,570 |
| Earnings coverage of net charge-offs (x) | 0.1926% | 5,822 |
| Efficiency ratio | 97.4462% | 842 |
| Assets per employee ($millions) | 2.9821% | 6,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 4,958 |
| Loan loss allowance to noncurrent loans | 37.0913% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 3.6078% | 1,977 |
| Noncurrent loans to loans | 3.5051% | 2,258 |
| Net loans and leases to total assets | 81.9373% | 502 |
| Net loans and leases to deposits | 98.6103% | 755 |
| Net loans and leases to core deposits | 106.5910% | 1,276 |
| Total domestic deposits to total assets | 83.0920% | 4,559 |
| Equity capital to assets | 7.6071% | 7,057 |
| Core capital (leverage) ratio | 7.5349% | 6,824 |
| Tier 1 risk-based capital ratio | 10.4348% | 6,813 |
| Total risk-based capital ratio | 11.6876% | 6,810 |
| Memoranda: | ||
| Average total assets | $285,855,250 | 2,274 |
| Average earning assets | $255,673,750 | 2,327 |
| Average equity | $21,293,000 | 3,007 |
| Average total loans | $233,688,000 | 1,895 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3736% | 3,086 |
| Cost of funding earning assets | 2.6438% | 111 |
| Net interest margin | 2.7297% | 7,221 |
| Noninterest income to average assets | 1.1757% | 929 |
| Noninterest expense to average assets | 3.5707% | 1,854 |
| Loan and lease loss provision to assets | 0.4715% | 2,959 |
| Net operating income to assets | -0.2566% | 6,423 |
| Return on assets (ROA) | -0.2465% | 6,449 |
| Pretax return on assets | -0.4156% | 6,527 |
| Return on Equity (ROE) | -3.3312% | 6,549 |
| Retained earnings to average equity (ytd only) | -3.3312% | 6,345 |
| Net charge-offs to loans | 0.2571% | 4,064 |
| Credit loss provision to net charge-offs | 225.4125% | 1,719 |
| Earnings coverage of net charge-offs (x) | 0.1914% | 5,534 |
| Efficiency ratio | 98.8910% | 846 |
| Assets per employee ($millions) | 3.0480% | 6,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 4,858 |
| Loan loss allowance to noncurrent loans | 35.2871% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 4.0647% | 1,682 |
| Noncurrent loans to loans | 3.7108% | 2,106 |
| Net loans and leases to total assets | 79.2900% | 903 |
| Net loans and leases to deposits | 97.0379% | 952 |
| Net loans and leases to core deposits | 104.8437% | 1,553 |
| Total domestic deposits to total assets | 81.7103% | 5,110 |
| Equity capital to assets | 7.5952% | 7,055 |
| Core capital (leverage) ratio | 7.5617% | 6,770 |
| Tier 1 risk-based capital ratio | 10.2061% | 6,909 |
| Total risk-based capital ratio | 11.4578% | 6,882 |
| Memoranda: | ||
| Average total assets | $289,690,330 | 2,269 |
| Average earning assets | $258,412,330 | 2,322 |
| Average equity | $21,434,000 | 2,986 |
| Average total loans | $235,665,330 | 1,903 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3350% | 3,367 |
| Cost of funding earning assets | 2.7021% | 121 |
| Net interest margin | 2.6330% | 7,358 |
| Noninterest income to average assets | 1.0668% | 1,118 |
| Noninterest expense to average assets | 3.1135% | 3,215 |
| Loan and lease loss provision to assets | 0.4797% | 2,584 |
| Net operating income to assets | -0.0672% | 6,394 |
| Return on assets (ROA) | -0.0489% | 6,450 |
| Pretax return on assets | -0.1155% | 6,479 |
| Return on Equity (ROE) | -0.6697% | 6,487 |
| Retained earnings to average equity (ytd only) | -0.6697% | 5,984 |
| Net charge-offs to loans | 0.3338% | 3,076 |
| Credit loss provision to net charge-offs | 175.6219% | 2,073 |
| Earnings coverage of net charge-offs (x) | 1.2289% | 4,033 |
| Efficiency ratio | 90.2679% | 1,413 |
| Assets per employee ($millions) | 3.0905% | 6,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 5,845 |
| Loan loss allowance to noncurrent loans | 32.2716% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 3.9541% | 1,746 |
| Noncurrent loans to loans | 3.5118% | 2,266 |
| Net loans and leases to total assets | 81.4933% | 647 |
| Net loans and leases to deposits | 101.1587% | 687 |
| Net loans and leases to core deposits | 109.1509% | 1,341 |
| Total domestic deposits to total assets | 80.5598% | 5,602 |
| Equity capital to assets | 7.5016% | 7,074 |
| Core capital (leverage) ratio | 7.4866% | 6,867 |
| Tier 1 risk-based capital ratio | 10.4239% | 6,700 |
| Total risk-based capital ratio | 11.6745% | 6,699 |
| Memoranda: | ||
| Average total assets | $294,328,000 | 2,279 |
| Average earning assets | $266,314,500 | 2,308 |
| Average equity | $21,502,000 | 3,000 |
| Average total loans | $240,852,500 | 1,920 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4776% | 4,277 |
| Cost of funding earning assets | 3.2504% | 105 |
| Net interest margin | 2.2272% | 7,635 |
| Noninterest income to average assets | 0.8154% | 2,329 |
| Noninterest expense to average assets | 3.0717% | 3,865 |
| Loan and lease loss provision to assets | 0.9158% | 2,458 |
| Net operating income to assets | -0.6918% | 6,360 |
| Return on assets (ROA) | -0.4571% | 6,132 |
| Pretax return on assets | -0.7508% | 6,240 |
| Return on Equity (ROE) | -6.2575% | 6,330 |
| Retained earnings to average equity (ytd only) | -6.2575% | 6,176 |
| Net charge-offs to loans | 0.7803% | 2,874 |
| Credit loss provision to net charge-offs | 139.5475% | 3,501 |
| Earnings coverage of net charge-offs (x) | -0.3074% | 6,557 |
| Efficiency ratio | 107.0296% | 870 |
| Assets per employee ($millions) | 3.4231% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 6,150 |
| Loan loss allowance to noncurrent loans | 32.1442% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 3.5696% | 1,873 |
| Noncurrent loans to loans | 3.2521% | 2,346 |
| Net loans and leases to total assets | 80.4130% | 922 |
| Net loans and leases to deposits | 98.3595% | 1,062 |
| Net loans and leases to core deposits | 121.5877% | 1,829 |
| Total domestic deposits to total assets | 81.7542% | 5,052 |
| Equity capital to assets | 7.1183% | 7,317 |
| Core capital (leverage) ratio | 7.1507% | 7,109 |
| Tier 1 risk-based capital ratio | 10.0768% | 6,808 |
| Total risk-based capital ratio | 11.2735% | 6,822 |
| Memoranda: | ||
| Average total assets | $309,795,800 | 2,162 |
| Average earning assets | $285,780,600 | 2,153 |
| Average equity | $22,628,800 | 2,872 |
| Average total loans | $260,545,200 | 1,829 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5644% | 4,068 |
| Cost of funding earning assets | 3.3156% | 131 |
| Net interest margin | 2.2488% | 7,684 |
| Noninterest income to average assets | 0.6022% | 3,681 |
| Noninterest expense to average assets | 2.8698% | 4,570 |
| Loan and lease loss provision to assets | 0.8134% | 2,337 |
| Net operating income to assets | -0.6393% | 6,558 |
| Return on assets (ROA) | -0.3313% | 6,254 |
| Pretax return on assets | -0.5172% | 6,316 |
| Return on Equity (ROE) | -4.5073% | 6,400 |
| Retained earnings to average equity (ytd only) | -4.5073% | 6,189 |
| Net charge-offs to loans | 0.4648% | 3,361 |
| Credit loss provision to net charge-offs | 206.3991% | 2,146 |
| Earnings coverage of net charge-offs (x) | -0.4696% | 6,466 |
| Efficiency ratio | 106.8938% | 837 |
| Assets per employee ($millions) | 3.6087% | 4,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 6,590 |
| Loan loss allowance to noncurrent loans | 22.8078% | 6,925 |
| Noncurrent assets plus other real estate owned to assets | 4.3259% | 1,426 |
| Noncurrent loans to loans | 4.1232% | 1,769 |
| Net loans and leases to total assets | 83.6070% | 590 |
| Net loans and leases to deposits | 103.9008% | 781 |
| Net loans and leases to core deposits | 135.6234% | 1,118 |
| Total domestic deposits to total assets | 80.4681% | 5,263 |
| Equity capital to assets | 7.3414% | 7,403 |
| Core capital (leverage) ratio | 7.3227% | 7,171 |
| Tier 1 risk-based capital ratio | 10.2102% | 6,773 |
| Total risk-based capital ratio | 11.3172% | 6,860 |
| Memoranda: | ||
| Average total assets | $311,935,750 | 2,164 |
| Average earning assets | $288,853,500 | 2,146 |
| Average equity | $22,925,250 | 2,864 |
| Average total loans | $264,483,500 | 1,824 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6466% | 3,835 |
| Cost of funding earning assets | 3.3398% | 176 |
| Net interest margin | 2.3068% | 7,672 |
| Noninterest income to average assets | 0.3341% | 5,836 |
| Noninterest expense to average assets | 2.7383% | 5,226 |
| Loan and lease loss provision to assets | 0.1569% | 5,500 |
| Net operating income to assets | -0.2896% | 6,316 |
| Return on assets (ROA) | 0.2039% | 5,328 |
| Pretax return on assets | 0.2960% | 5,225 |
| Return on Equity (ROE) | 2.7733% | 4,988 |
| Retained earnings to average equity (ytd only) | 2.7733% | 3,784 |
| Net charge-offs to loans | 0.1137% | 5,023 |
| Credit loss provision to net charge-offs | 162.5000% | 2,829 |
| Earnings coverage of net charge-offs (x) | -2.7171% | 6,396 |
| Efficiency ratio | 110.5952% | 833 |
| Assets per employee ($millions) | 3.8726% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5719% | 7,686 |
| Loan loss allowance to noncurrent loans | 20.7056% | 7,083 |
| Noncurrent assets plus other real estate owned to assets | 3.1565% | 1,992 |
| Noncurrent loans to loans | 2.7622% | 2,610 |
| Net loans and leases to total assets | 85.2931% | 463 |
| Net loans and leases to deposits | 108.3736% | 634 |
| Net loans and leases to core deposits | 135.6308% | 1,233 |
| Total domestic deposits to total assets | 78.7029% | 5,897 |
| Equity capital to assets | 7.4782% | 7,289 |
| Core capital (leverage) ratio | 7.5131% | 6,993 |
| Tier 1 risk-based capital ratio | 10.6252% | 6,259 |
| Total risk-based capital ratio | 11.3188% | 6,781 |
| Memoranda: | ||
| Average total assets | $314,871,000 | 2,170 |
| Average earning assets | $292,352,000 | 2,155 |
| Average equity | $23,149,000 | 2,850 |
| Average total loans | $267,363,330 | 1,845 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5594% | 4,587 |
| Cost of funding earning assets | 3.3573% | 229 |
| Net interest margin | 2.2021% | 7,794 |
| Noninterest income to average assets | 0.3642% | 5,520 |
| Noninterest expense to average assets | 2.4234% | 6,120 |
| Loan and lease loss provision to assets | 0.2218% | 4,232 |
| Net operating income to assets | -0.1563% | 6,488 |
| Return on assets (ROA) | 0.3629% | 5,188 |
| Pretax return on assets | 0.5406% | 4,946 |
| Return on Equity (ROE) | 4.9785% | 4,483 |
| Retained earnings to average equity (ytd only) | 4.9785% | 3,140 |
| Net charge-offs to loans | 0.1686% | 3,620 |
| Credit loss provision to net charge-offs | 155.7522% | 2,697 |
| Earnings coverage of net charge-offs (x) | -0.0885% | 5,064 |
| Efficiency ratio | 100.5227% | 1,110 |
| Assets per employee ($millions) | 4.1679% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5639% | 7,730 |
| Loan loss allowance to noncurrent loans | 16.9059% | 7,319 |
| Noncurrent assets plus other real estate owned to assets | 3.6552% | 1,450 |
| Noncurrent loans to loans | 3.3355% | 1,922 |
| Net loans and leases to total assets | 83.2825% | 814 |
| Net loans and leases to deposits | 109.1954% | 656 |
| Net loans and leases to core deposits | 136.0784% | 1,304 |
| Total domestic deposits to total assets | 76.2692% | 6,458 |
| Equity capital to assets | 7.3608% | 7,446 |
| Core capital (leverage) ratio | 7.3429% | 7,327 |
| Tier 1 risk-based capital ratio | 10.6094% | 6,283 |
| Total risk-based capital ratio | 11.2919% | 6,787 |
| Memoranda: | ||
| Average total assets | $317,403,000 | 2,172 |
| Average earning assets | $294,995,500 | 2,152 |
| Average equity | $23,139,500 | 2,862 |
| Average total loans | $268,163,000 | 1,853 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7286% | 6,682 |
| Cost of funding earning assets | 3.6444% | 324 |
| Net interest margin | 2.0842% | 8,024 |
| Noninterest income to average assets | 0.2924% | 6,372 |
| Noninterest expense to average assets | 2.1005% | 7,237 |
| Loan and lease loss provision to assets | 0.8494% | 1,759 |
| Net operating income to assets | -0.4223% | 6,847 |
| Return on assets (ROA) | -0.3785% | 6,675 |
| Pretax return on assets | -0.6364% | 6,762 |
| Return on Equity (ROE) | -5.1124% | 6,877 |
| Retained earnings to average equity (ytd only) | -5.1124% | 6,528 |
| Net charge-offs to loans | 0.6852% | 1,791 |
| Credit loss provision to net charge-offs | 144.1365% | 3,667 |
| Earnings coverage of net charge-offs (x) | 0.2452% | 6,082 |
| Efficiency ratio | 93.5637% | 1,300 |
| Assets per employee ($millions) | 6.1163% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5287% | 7,804 |
| Loan loss allowance to noncurrent loans | 25.3270% | 6,990 |
| Noncurrent assets plus other real estate owned to assets | 2.3603% | 2,055 |
| Noncurrent loans to loans | 2.0876% | 2,648 |
| Net loans and leases to total assets | 84.7649% | 769 |
| Net loans and leases to deposits | 119.4241% | 396 |
| Net loans and leases to core deposits | 153.6481% | 729 |
| Total domestic deposits to total assets | 70.9781% | 7,162 |
| Equity capital to assets | 7.2200% | 7,610 |
| Core capital (leverage) ratio | 7.2202% | 7,507 |
| Tier 1 risk-based capital ratio | 10.5946% | 6,110 |
| Total risk-based capital ratio | 11.2557% | 6,612 |
| Memoranda: | ||
| Average total assets | $318,354,400 | 2,103 |
| Average earning assets | $298,238,200 | 2,052 |
| Average equity | $23,570,200 | 2,779 |
| Average total loans | $273,777,000 | 1,748 |