Home > The Peoples Bank > Performance and Condition Ratios
The Peoples 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 | 4.9508% | 5,174 |
| Cost of funding earning assets | 2.3726% | 261 |
| Net interest margin | 2.5782% | 7,367 |
| Noninterest income to average assets | 0.0948% | 7,119 |
| Noninterest expense to average assets | 3.9756% | 1,073 |
| Loan and lease loss provision to assets | 3.5658% | 244 |
| Net operating income to assets | -5.2247% | 7,703 |
| Return on assets (ROA) | -4.8871% | 7,695 |
| Pretax return on assets | -4.8871% | 7,675 |
| Return on Equity (ROE) | -183.9085% | 7,797 |
| Retained earnings to average equity (ytd only) | -183.9085% | 7,797 |
| Net charge-offs to loans | 4.7749% | 229 |
| Credit loss provision to net charge-offs | 128.6264% | 3,125 |
| Earnings coverage of net charge-offs (x) | -0.5984% | 6,043 |
| Efficiency ratio | 170.2414% | 153 |
| Assets per employee ($millions) | 3.0629% | 6,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0333% | 367 |
| Loan loss allowance to noncurrent loans | 52.3582% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 10.0390% | 404 |
| Noncurrent loans to loans | 7.7032% | 690 |
| Net loans and leases to total assets | 54.3410% | 5,948 |
| Net loans and leases to deposits | 61.0288% | 6,305 |
| Net loans and leases to core deposits | 86.7605% | 3,732 |
| Total domestic deposits to total assets | 89.0417% | 1,413 |
| Equity capital to assets | 1.5014% | 7,805 |
| Core capital (leverage) ratio | 1.0289% | 7,807 |
| Tier 1 risk-based capital ratio | 1.7067% | 7,807 |
| Total risk-based capital ratio | 2.9859% | 7,806 |
| Memoranda: | ||
| Average total assets | $468,503,000 | 1,458 |
| Average earning assets | $403,771,000 | 1,535 |
| Average equity | $12,449,670 | 4,564 |
| Average total loans | $272,005,670 | 1,683 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8368% | 5,737 |
| Cost of funding earning assets | 2.4299% | 272 |
| Net interest margin | 2.4069% | 7,530 |
| Noninterest income to average assets | 1.1654% | 908 |
| Noninterest expense to average assets | 3.8826% | 1,202 |
| Loan and lease loss provision to assets | 1.0184% | 1,222 |
| Net operating income to assets | -1.6420% | 7,371 |
| Return on assets (ROA) | -1.4484% | 7,324 |
| Pretax return on assets | -1.4484% | 7,243 |
| Return on Equity (ROE) | -45.3077% | 7,687 |
| Retained earnings to average equity (ytd only) | -45.3077% | 7,677 |
| Net charge-offs to loans | 0.5885% | 2,335 |
| Credit loss provision to net charge-offs | 294.6860% | 1,349 |
| Earnings coverage of net charge-offs (x) | -1.8043% | 5,457 |
| Efficiency ratio | 118.1865% | 464 |
| Assets per employee ($millions) | 3.2701% | 5,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2898% | 641 |
| Loan loss allowance to noncurrent loans | 26.7071% | 6,615 |
| Noncurrent assets plus other real estate owned to assets | 11.7696% | 279 |
| Noncurrent loans to loans | 12.3181% | 272 |
| Net loans and leases to total assets | 57.5833% | 5,514 |
| Net loans and leases to deposits | 65.4805% | 5,881 |
| Net loans and leases to core deposits | 95.1398% | 2,684 |
| Total domestic deposits to total assets | 87.9396% | 2,100 |
| Equity capital to assets | 3.1429% | 7,841 |
| Core capital (leverage) ratio | 2.9973% | 7,840 |
| Tier 1 risk-based capital ratio | 4.8431% | 7,811 |
| Total risk-based capital ratio | 6.1156% | 7,812 |
| Memoranda: | ||
| Average total assets | $479,162,000 | 1,459 |
| Average earning assets | $416,800,500 | 1,524 |
| Average equity | $15,317,500 | 3,958 |
| Average total loans | $281,399,500 | 1,674 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0517% | 6,255 |
| Cost of funding earning assets | 2.8612% | 358 |
| Net interest margin | 2.1906% | 7,650 |
| Noninterest income to average assets | 0.7279% | 2,799 |
| Noninterest expense to average assets | 3.6684% | 1,983 |
| Loan and lease loss provision to assets | 3.3760% | 469 |
| Net operating income to assets | -4.3862% | 7,667 |
| Return on assets (ROA) | -4.8605% | 7,723 |
| Pretax return on assets | -4.8605% | 7,684 |
| Return on Equity (ROE) | -80.4489% | 7,867 |
| Retained earnings to average equity (ytd only) | -80.4489% | 7,863 |
| Net charge-offs to loans | 4.6221% | 307 |
| Credit loss provision to net charge-offs | 122.1519% | 4,335 |
| Earnings coverage of net charge-offs (x) | -0.3655% | 6,597 |
| Efficiency ratio | 136.8831% | 410 |
| Assets per employee ($millions) | 3.5050% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9381% | 815 |
| Loan loss allowance to noncurrent loans | 27.8389% | 6,616 |
| Noncurrent assets plus other real estate owned to assets | 9.4562% | 416 |
| Noncurrent loans to loans | 10.5541% | 372 |
| Net loans and leases to total assets | 56.2484% | 5,914 |
| Net loans and leases to deposits | 63.7004% | 6,308 |
| Net loans and leases to core deposits | 92.0760% | 4,876 |
| Total domestic deposits to total assets | 88.3015% | 1,820 |
| Equity capital to assets | 3.2480% | 7,905 |
| Core capital (leverage) ratio | 3.4045% | 7,884 |
| Tier 1 risk-based capital ratio | 5.3726% | 7,851 |
| Total risk-based capital ratio | 6.6414% | 7,853 |
| Memoranda: | ||
| Average total assets | $497,030,800 | 1,385 |
| Average earning assets | $437,967,400 | 1,445 |
| Average equity | $30,029,000 | 2,225 |
| Average total loans | $297,200,000 | 1,614 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2205% | 5,793 |
| Cost of funding earning assets | 2.9464% | 388 |
| Net interest margin | 2.2741% | 7,672 |
| Noninterest income to average assets | 0.7247% | 2,853 |
| Noninterest expense to average assets | 3.6543% | 1,914 |
| Loan and lease loss provision to assets | 2.1659% | 805 |
| Net operating income to assets | -3.0901% | 7,610 |
| Return on assets (ROA) | -3.9367% | 7,742 |
| Pretax return on assets | -3.9367% | 7,677 |
| Return on Equity (ROE) | -58.5032% | 7,888 |
| Retained earnings to average equity (ytd only) | -58.5032% | 7,886 |
| Net charge-offs to loans | 3.0096% | 553 |
| Credit loss provision to net charge-offs | 119.4514% | 4,249 |
| Earnings coverage of net charge-offs (x) | -0.5097% | 6,476 |
| Efficiency ratio | 132.7620% | 443 |
| Assets per employee ($millions) | 3.2475% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2494% | 1,350 |
| Loan loss allowance to noncurrent loans | 38.1772% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 8.0517% | 531 |
| Noncurrent loans to loans | 5.8921% | 1,017 |
| Net loans and leases to total assets | 61.1941% | 5,387 |
| Net loans and leases to deposits | 71.7915% | 5,682 |
| Net loans and leases to core deposits | 111.2414% | 3,097 |
| Total domestic deposits to total assets | 85.2386% | 3,103 |
| Equity capital to assets | 5.8681% | 7,881 |
| Core capital (leverage) ratio | 5.3592% | 7,895 |
| Tier 1 risk-based capital ratio | 7.8434% | 7,816 |
| Total risk-based capital ratio | 9.0853% | 7,825 |
| Memoranda: | ||
| Average total assets | $498,614,750 | 1,398 |
| Average earning assets | $439,715,000 | 1,446 |
| Average equity | $33,551,750 | 2,020 |
| Average total loans | $300,409,250 | 1,617 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2248% | 5,982 |
| Cost of funding earning assets | 2.9921% | 488 |
| Net interest margin | 2.2327% | 7,730 |
| Noninterest income to average assets | 0.9148% | 1,919 |
| Noninterest expense to average assets | 3.6061% | 2,060 |
| Loan and lease loss provision to assets | 1.0278% | 1,648 |
| Net operating income to assets | -1.7438% | 7,339 |
| Return on assets (ROA) | -3.2060% | 7,716 |
| Pretax return on assets | -3.2060% | 7,615 |
| Return on Equity (ROE) | -45.8325% | 7,893 |
| Retained earnings to average equity (ytd only) | -45.8325% | 7,884 |
| Net charge-offs to loans | 2.0246% | 914 |
| Credit loss provision to net charge-offs | 85.2941% | 5,056 |
| Earnings coverage of net charge-offs (x) | -0.5941% | 6,121 |
| Efficiency ratio | 123.7635% | 605 |
| Assets per employee ($millions) | 3.2291% | 5,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 2,702 |
| Loan loss allowance to noncurrent loans | 19.5552% | 7,155 |
| Noncurrent assets plus other real estate owned to assets | 7.7377% | 505 |
| Noncurrent loans to loans | 8.2205% | 525 |
| Net loans and leases to total assets | 61.4385% | 5,447 |
| Net loans and leases to deposits | 72.2582% | 5,701 |
| Net loans and leases to core deposits | 109.0509% | 3,489 |
| Total domestic deposits to total assets | 85.0263% | 3,247 |
| Equity capital to assets | 6.1457% | 7,905 |
| Core capital (leverage) ratio | 5.9299% | 7,940 |
| Tier 1 risk-based capital ratio | 8.8681% | 7,761 |
| Total risk-based capital ratio | 10.1205% | 7,797 |
| Memoranda: | ||
| Average total assets | $507,858,330 | 1,394 |
| Average earning assets | $449,321,330 | 1,440 |
| Average equity | $35,525,000 | 1,914 |
| Average total loans | $302,284,330 | 1,639 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3854% | 5,499 |
| Cost of funding earning assets | 2.9875% | 620 |
| Net interest margin | 2.3978% | 7,615 |
| Noninterest income to average assets | 0.8722% | 1,972 |
| Noninterest expense to average assets | 3.4765% | 2,158 |
| Loan and lease loss provision to assets | 0.4742% | 2,579 |
| Net operating income to assets | -0.9500% | 7,223 |
| Return on assets (ROA) | -0.4527% | 6,894 |
| Pretax return on assets | -0.4527% | 6,785 |
| Return on Equity (ROE) | -6.1244% | 7,075 |
| Retained earnings to average equity (ytd only) | -6.1244% | 6,701 |
| Net charge-offs to loans | 1.3422% | 1,051 |
| Credit loss provision to net charge-offs | 60.7495% | 4,503 |
| Earnings coverage of net charge-offs (x) | -0.6095% | 5,286 |
| Efficiency ratio | 114.9051% | 717 |
| Assets per employee ($millions) | 3.4793% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6265% | 2,417 |
| Loan loss allowance to noncurrent loans | 25.8959% | 6,845 |
| Noncurrent assets plus other real estate owned to assets | 5.1602% | 861 |
| Noncurrent loans to loans | 6.2811% | 726 |
| Net loans and leases to total assets | 57.3288% | 6,049 |
| Net loans and leases to deposits | 68.5146% | 6,127 |
| Net loans and leases to core deposits | 108.7028% | 3,595 |
| Total domestic deposits to total assets | 83.6738% | 3,853 |
| Equity capital to assets | 7.1883% | 7,571 |
| Core capital (leverage) ratio | 6.8750% | 7,713 |
| Tier 1 risk-based capital ratio | 10.6295% | 6,260 |
| Total risk-based capital ratio | 11.8818% | 6,179 |
| Memoranda: | ||
| Average total assets | $519,603,000 | 1,366 |
| Average earning assets | $461,250,500 | 1,411 |
| Average equity | $38,403,500 | 1,771 |
| Average total loans | $302,201,000 | 1,657 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2592% | 4,188 |
| Cost of funding earning assets | 3.2689% | 1,006 |
| Net interest margin | 2.9903% | 6,940 |
| Noninterest income to average assets | 0.9643% | 1,716 |
| Noninterest expense to average assets | 3.8945% | 1,567 |
| Loan and lease loss provision to assets | 1.0854% | 1,340 |
| Net operating income to assets | -1.3535% | 7,412 |
| Return on assets (ROA) | -1.2502% | 7,309 |
| Pretax return on assets | -1.2502% | 7,142 |
| Return on Equity (ROE) | -13.9070% | 7,537 |
| Retained earnings to average equity (ytd only) | -18.0764% | 7,624 |
| Net charge-offs to loans | 0.9745% | 1,269 |
| Credit loss provision to net charge-offs | 196.4047% | 2,495 |
| Earnings coverage of net charge-offs (x) | -0.4852% | 6,479 |
| Efficiency ratio | 93.8266% | 1,286 |
| Assets per employee ($millions) | 3.4490% | 4,798 |
| Cash dividends to net income (ytd only)* | -29.9803% | 7,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 1,747 |
| Loan loss allowance to noncurrent loans | 29.8964% | 6,710 |
| Noncurrent assets plus other real estate owned to assets | 4.6652% | 782 |
| Noncurrent loans to loans | 5.8778% | 632 |
| Net loans and leases to total assets | 57.0238% | 6,332 |
| Net loans and leases to deposits | 68.3454% | 6,426 |
| Net loans and leases to core deposits | 102.8588% | 4,515 |
| Total domestic deposits to total assets | 83.4347% | 3,594 |
| Equity capital to assets | 7.5927% | 7,307 |
| Core capital (leverage) ratio | 7.1216% | 7,597 |
| Tier 1 risk-based capital ratio | 10.4882% | 6,222 |
| Total risk-based capital ratio | 11.7414% | 6,099 |
| Memoranda: | ||
| Average total assets | $488,225,000 | 1,402 |
| Average earning assets | $434,638,600 | 1,442 |
| Average equity | $43,891,600 | 1,535 |
| Average total loans | $276,868,600 | 1,734 |