Home > The Heights Bank > Performance and Condition Ratios
The Heights Bank, 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 | 5.5923% | 1,927 |
| Cost of funding earning assets | 1.5206% | 2,528 |
| Net interest margin | 4.0717% | 2,698 |
| Noninterest income to average assets | 0.3735% | 5,106 |
| Noninterest expense to average assets | 2.2145% | 6,579 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.9967% | 284 |
| Return on assets (ROA) | 1.9967% | 297 |
| Pretax return on assets | 2.0182% | 461 |
| Return on Equity (ROE) | 19.8619% | 262 |
| Retained earnings to average equity (ytd only) | 2.0005% | 4,466 |
| Net charge-offs to loans | -0.0031% | 7,244 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3190% | 6,963 |
| Assets per employee ($millions) | 3.0185% | 6,061 |
| Cash dividends to net income (ytd only)* | 89.9281% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0757% | 2,119 |
| Loan loss allowance to noncurrent loans | 217.2840% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.8257% | 5,346 |
| Noncurrent loans to loans | 0.9553% | 5,140 |
| Net loans and leases to total assets | 84.6385% | 256 |
| Net loans and leases to deposits | 107.2286% | 285 |
| Net loans and leases to core deposits | 107.9185% | 1,053 |
| Total domestic deposits to total assets | 78.9327% | 6,097 |
| Equity capital to assets | 10.7286% | 2,927 |
| Core capital (leverage) ratio | 10.6083% | 2,457 |
| Tier 1 risk-based capital ratio | 18.3987% | 1,877 |
| Total risk-based capital ratio | 19.6705% | 1,832 |
| Memoranda: | ||
| Average total assets | $41,769,800 | 6,803 |
| Average earning assets | $39,590,200 | 6,728 |
| Average equity | $4,199,000 | 6,920 |
| Average total loans | $32,747,800 | 6,271 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5147% | 2,378 |
| Cost of funding earning assets | 1.6231% | 2,261 |
| Net interest margin | 3.8916% | 3,567 |
| Noninterest income to average assets | 0.3585% | 5,301 |
| Noninterest expense to average assets | 2.1854% | 6,645 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.8238% | 472 |
| Return on assets (ROA) | 1.8238% | 518 |
| Pretax return on assets | 1.8521% | 846 |
| Return on Equity (ROE) | 18.4286% | 443 |
| Retained earnings to average equity (ytd only) | 5.7192% | 2,530 |
| Net charge-offs to loans | -0.0041% | 7,197 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1277% | 6,780 |
| Assets per employee ($millions) | 3.0763% | 5,975 |
| Cash dividends to net income (ytd only)* | 68.9659% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1409% | 1,904 |
| Loan loss allowance to noncurrent loans | 550.0000% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 6,586 |
| Noncurrent loans to loans | 0.3892% | 6,416 |
| Net loans and leases to total assets | 80.4661% | 669 |
| Net loans and leases to deposits | 101.7389% | 546 |
| Net loans and leases to core deposits | 103.0288% | 1,565 |
| Total domestic deposits to total assets | 79.0908% | 6,003 |
| Equity capital to assets | 10.7672% | 3,203 |
| Core capital (leverage) ratio | 10.3799% | 2,825 |
| Tier 1 risk-based capital ratio | 19.4736% | 1,649 |
| Total risk-based capital ratio | 20.7489% | 1,613 |
| Memoranda: | ||
| Average total assets | $42,402,000 | 6,872 |
| Average earning assets | $40,085,750 | 6,792 |
| Average equity | $4,196,250 | 7,011 |
| Average total loans | $32,455,500 | 6,369 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4008% | 2,975 |
| Cost of funding earning assets | 1.6856% | 2,197 |
| Net interest margin | 3.7152% | 4,294 |
| Noninterest income to average assets | 0.3333% | 5,490 |
| Noninterest expense to average assets | 2.2034% | 6,641 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5878% | 741 |
| Return on assets (ROA) | 1.5878% | 798 |
| Pretax return on assets | 1.6294% | 1,213 |
| Return on Equity (ROE) | 16.4917% | 632 |
| Retained earnings to average equity (ytd only) | 2.0675% | 4,826 |
| Net charge-offs to loans | -0.0062% | 7,136 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4879% | 6,454 |
| Assets per employee ($millions) | 3.2360% | 5,585 |
| Cash dividends to net income (ytd only)* | 87.4636% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1473% | 1,872 |
| Loan loss allowance to noncurrent loans | 5,866.6667% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 7,329 |
| Noncurrent loans to loans | 0.0366% | 7,227 |
| Net loans and leases to total assets | 76.2622% | 1,435 |
| Net loans and leases to deposits | 97.6978% | 904 |
| Net loans and leases to core deposits | 99.1930% | 2,103 |
| Total domestic deposits to total assets | 78.0593% | 6,254 |
| Equity capital to assets | 9.9101% | 4,126 |
| Core capital (leverage) ratio | 9.6861% | 3,562 |
| Tier 1 risk-based capital ratio | 18.5992% | 1,805 |
| Total risk-based capital ratio | 19.8706% | 1,776 |
| Memoranda: | ||
| Average total assets | $43,205,330 | 6,889 |
| Average earning assets | $40,697,670 | 6,821 |
| Average equity | $4,159,670 | 7,054 |
| Average total loans | $32,312,670 | 6,422 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3769% | 3,158 |
| Cost of funding earning assets | 1.7825% | 1,956 |
| Net interest margin | 3.5944% | 4,760 |
| Noninterest income to average assets | 0.3198% | 5,588 |
| Noninterest expense to average assets | 2.1474% | 6,814 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4438% | 993 |
| Return on assets (ROA) | 1.4438% | 1,069 |
| Pretax return on assets | 1.5260% | 1,449 |
| Return on Equity (ROE) | 15.2106% | 839 |
| Retained earnings to average equity (ytd only) | 5.5836% | 2,822 |
| Net charge-offs to loans | -0.0125% | 6,946 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4577% | 6,417 |
| Assets per employee ($millions) | 3.3502% | 5,431 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1718% | 1,810 |
| Loan loss allowance to noncurrent loans | 628.5714% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 6,825 |
| Noncurrent loans to loans | 0.3455% | 6,610 |
| Net loans and leases to total assets | 72.8101% | 2,256 |
| Net loans and leases to deposits | 92.4762% | 1,546 |
| Net loans and leases to core deposits | 93.8306% | 2,859 |
| Total domestic deposits to total assets | 78.7340% | 6,141 |
| Equity capital to assets | 9.6067% | 4,368 |
| Core capital (leverage) ratio | 9.5569% | 3,694 |
| Tier 1 risk-based capital ratio | 18.6819% | 1,798 |
| Total risk-based capital ratio | 19.9545% | 1,756 |
| Memoranda: | ||
| Average total assets | $43,774,000 | 6,962 |
| Average earning assets | $40,841,000 | 6,903 |
| Average equity | $4,155,000 | 7,125 |
| Average total loans | $32,076,000 | 6,518 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9978% | 1,879 |
| Cost of funding earning assets | 2.0377% | 2,785 |
| Net interest margin | 3.9601% | 3,031 |
| Noninterest income to average assets | 0.4520% | 4,789 |
| Noninterest expense to average assets | 2.5650% | 5,909 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.6067% | 543 |
| Return on assets (ROA) | 1.6067% | 575 |
| Pretax return on assets | 1.6256% | 909 |
| Return on Equity (ROE) | 16.8436% | 470 |
| Retained earnings to average equity (ytd only) | 3.8202% | 2,527 |
| Net charge-offs to loans | 0.0152% | 7,008 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 137.4000% | 209 |
| Efficiency ratio | 61.2084% | 6,295 |
| Assets per employee ($millions) | 3.3842% | 5,298 |
| Cash dividends to net income (ytd only)* | 77.3196% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2151% | 1,623 |
| Loan loss allowance to noncurrent loans | 465.5629% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 6,580 |
| Noncurrent loans to loans | 0.4758% | 6,303 |
| Net loans and leases to total assets | 70.5398% | 3,118 |
| Net loans and leases to deposits | 89.1910% | 2,360 |
| Net loans and leases to core deposits | 108.9447% | 3,009 |
| Total domestic deposits to total assets | 79.0885% | 5,950 |
| Equity capital to assets | 9.3783% | 4,592 |
| Core capital (leverage) ratio | 9.6673% | 3,503 |
| Tier 1 risk-based capital ratio | 18.0814% | 1,870 |
| Total risk-based capital ratio | 19.3523% | 1,824 |
| Memoranda: | ||
| Average total assets | $42,260,400 | 7,019 |
| Average earning assets | $39,898,200 | 6,944 |
| Average equity | $4,031,200 | 7,278 |
| Average total loans | $32,942,200 | 6,469 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0764% | 1,737 |
| Cost of funding earning assets | 2.1016% | 2,885 |
| Net interest margin | 3.9748% | 2,922 |
| Noninterest income to average assets | 0.4495% | 4,899 |
| Noninterest expense to average assets | 2.3397% | 6,595 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.8584% | 395 |
| Return on assets (ROA) | 1.8584% | 417 |
| Pretax return on assets | 1.8839% | 683 |
| Return on Equity (ROE) | 19.3964% | 346 |
| Retained earnings to average equity (ytd only) | 1.9296% | 4,248 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3962% | 7,079 |
| Assets per employee ($millions) | 3.2294% | 5,572 |
| Cash dividends to net income (ytd only)* | 90.0516% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1238% | 1,559 |
| Loan loss allowance to noncurrent loans | 2,145.4545% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 7,355 |
| Noncurrent loans to loans | 0.0990% | 7,234 |
| Net loans and leases to total assets | 77.7214% | 1,632 |
| Net loans and leases to deposits | 99.2276% | 1,187 |
| Net loans and leases to core deposits | 124.5382% | 1,856 |
| Total domestic deposits to total assets | 78.3264% | 5,995 |
| Equity capital to assets | 9.5994% | 4,620 |
| Core capital (leverage) ratio | 9.4926% | 3,917 |
| Tier 1 risk-based capital ratio | 17.1380% | 2,235 |
| Total risk-based capital ratio | 18.4095% | 2,174 |
| Memoranda: | ||
| Average total assets | $41,826,750 | 7,080 |
| Average earning assets | $39,715,750 | 7,006 |
| Average equity | $4,007,500 | 7,353 |
| Average total loans | $33,243,500 | 6,499 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0599% | 1,945 |
| Cost of funding earning assets | 2.1926% | 2,826 |
| Net interest margin | 3.8673% | 3,262 |
| Noninterest income to average assets | 0.4500% | 4,846 |
| Noninterest expense to average assets | 2.3076% | 6,738 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7905% | 476 |
| Return on assets (ROA) | 1.7905% | 510 |
| Pretax return on assets | 1.8241% | 813 |
| Return on Equity (ROE) | 18.7000% | 431 |
| Retained earnings to average equity (ytd only) | -0.0500% | 5,226 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8517% | 7,136 |
| Assets per employee ($millions) | 3.2356% | 5,494 |
| Cash dividends to net income (ytd only)* | 100.2674% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1110% | 1,375 |
| Loan loss allowance to noncurrent loans | 303.8627% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 6,037 |
| Noncurrent loans to loans | 0.6947% | 5,861 |
| Net loans and leases to total assets | 78.0520% | 1,732 |
| Net loans and leases to deposits | 99.4096% | 1,344 |
| Net loans and leases to core deposits | 122.5357% | 2,151 |
| Total domestic deposits to total assets | 78.5156% | 5,951 |
| Equity capital to assets | 9.4406% | 4,688 |
| Core capital (leverage) ratio | 9.6870% | 3,649 |
| Tier 1 risk-based capital ratio | 16.7031% | 2,395 |
| Total risk-based capital ratio | 17.9734% | 2,337 |
| Memoranda: | ||
| Average total assets | $41,775,000 | 7,142 |
| Average earning assets | $39,769,670 | 7,066 |
| Average equity | $4,000,000 | 7,416 |
| Average total loans | $33,212,330 | 6,543 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0987% | 1,950 |
| Cost of funding earning assets | 2.3952% | 2,316 |
| Net interest margin | 3.7035% | 3,875 |
| Noninterest income to average assets | 0.4996% | 4,325 |
| Noninterest expense to average assets | 2.4309% | 6,090 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5373% | 873 |
| Return on assets (ROA) | 1.5373% | 950 |
| Pretax return on assets | 1.6046% | 1,392 |
| Return on Equity (ROE) | 15.9422% | 834 |
| Retained earnings to average equity (ytd only) | 8.4693% | 1,644 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2381% | 6,369 |
| Assets per employee ($millions) | 2.7121% | 6,861 |
| Cash dividends to net income (ytd only)* | 46.8750% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1866% | 1,097 |
| Loan loss allowance to noncurrent loans | 254.6763% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.6833% | 5,450 |
| Noncurrent loans to loans | 0.8586% | 5,302 |
| Net loans and leases to total assets | 77.8502% | 1,855 |
| Net loans and leases to deposits | 97.3145% | 1,765 |
| Net loans and leases to core deposits | 118.7514% | 2,532 |
| Total domestic deposits to total assets | 79.9985% | 5,373 |
| Equity capital to assets | 9.9725% | 4,033 |
| Core capital (leverage) ratio | 9.5808% | 3,893 |
| Tier 1 risk-based capital ratio | 17.3561% | 2,227 |
| Total risk-based capital ratio | 18.6267% | 2,168 |
| Memoranda: | ||
| Average total assets | $41,631,000 | 7,184 |
| Average earning assets | $39,746,000 | 7,103 |
| Average equity | $4,014,500 | 7,450 |
| Average total loans | $33,049,000 | 6,586 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3309% | 3,784 |
| Cost of funding earning assets | 3.1724% | 1,282 |
| Net interest margin | 3.1585% | 6,500 |
| Noninterest income to average assets | 0.3599% | 5,843 |
| Noninterest expense to average assets | 2.1354% | 7,148 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2057% | 1,751 |
| Return on assets (ROA) | 1.2057% | 1,690 |
| Pretax return on assets | 1.2234% | 2,570 |
| Return on Equity (ROE) | 13.5875% | 1,190 |
| Retained earnings to average equity (ytd only) | -1.7420% | 5,801 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5766% | 5,655 |
| Assets per employee ($millions) | 2.8387% | 6,473 |
| Cash dividends to net income (ytd only)* | 112.8205% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0997% | 1,074 |
| Loan loss allowance to noncurrent loans | 722.4490% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 6,649 |
| Noncurrent loans to loans | 0.2906% | 6,507 |
| Net loans and leases to total assets | 77.5270% | 2,257 |
| Net loans and leases to deposits | 95.6231% | 2,503 |
| Net loans and leases to core deposits | 119.2809% | 2,763 |
| Total domestic deposits to total assets | 81.0756% | 4,607 |
| Equity capital to assets | 9.3283% | 4,903 |
| Core capital (leverage) ratio | 9.0863% | 4,614 |
| Tier 1 risk-based capital ratio | 16.0628% | 2,643 |
| Total risk-based capital ratio | 17.3326% | 2,578 |
| Memoranda: | ||
| Average total assets | $45,285,000 | 6,974 |
| Average earning assets | $42,995,600 | 6,902 |
| Average equity | $4,018,400 | 7,507 |
| Average total loans | $34,831,200 | 6,439 |