Home > The Rome Savings Bank > Performance and Condition Ratios
The Rome Savings Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3863% | 1,608 |
| Cost of funding earning assets | 0.9971% | 4,222 |
| Net interest margin | 4.3892% | 1,312 |
| Noninterest income to average assets | 0.7772% | 2,124 |
| Noninterest expense to average assets | 10.5076% | 72 |
| Loan and lease loss provision to assets | 0.0655% | 5,176 |
| Net operating income to assets | -3.8446% | 7,442 |
| Return on assets (ROA) | -3.5030% | 7,431 |
| Pretax return on assets | -5.4873% | 7,495 |
| Return on Equity (ROE) | -26.4854% | 7,297 |
| Retained earnings to average equity (ytd only) | -260.0430% | 7,547 |
| Net charge-offs to loans | 0.0797% | 4,142 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | -90.9434% | 5,100 |
| Efficiency ratio | 230.8360% | 49 |
| Assets per employee ($millions) | 3.4765% | 5,043 |
| Cash dividends to net income (ytd only)* | -881.8342% | 7,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 6,558 |
| Loan loss allowance to noncurrent loans | 65.7513% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 1.1840% | 4,580 |
| Noncurrent loans to loans | 1.4403% | 4,310 |
| Net loans and leases to total assets | 81.4255% | 395 |
| Net loans and leases to deposits | 112.7142% | 148 |
| Net loans and leases to core deposits | 114.4499% | 588 |
| Total domestic deposits to total assets | 72.2407% | 7,062 |
| Equity capital to assets | 9.1389% | 4,972 |
| Core capital (leverage) ratio | 9.5616% | 3,710 |
| Tier 1 risk-based capital ratio | 12.7999% | 4,978 |
| Total risk-based capital ratio | 13.8367% | 5,160 |
| Memoranda: | ||
| Average total assets | $323,727,000 | 2,016 |
| Average earning assets | $278,409,500 | 2,125 |
| Average equity | $42,816,000 | 1,552 |
| Average total loans | $266,135,000 | 1,635 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6033% | 1,877 |
| Cost of funding earning assets | 1.0672% | 5,334 |
| Net interest margin | 4.5360% | 1,160 |
| Noninterest income to average assets | 0.9761% | 1,584 |
| Noninterest expense to average assets | 3.1605% | 3,235 |
| Loan and lease loss provision to assets | 0.5451% | 2,961 |
| Net operating income to assets | 1.0217% | 1,960 |
| Return on assets (ROA) | 1.0301% | 2,040 |
| Pretax return on assets | 1.3646% | 1,751 |
| Return on Equity (ROE) | 6.1928% | 3,521 |
| Retained earnings to average equity (ytd only) | 6.1928% | 1,717 |
| Net charge-offs to loans | 0.5123% | 3,566 |
| Credit loss provision to net charge-offs | 124.8089% | 3,294 |
| Earnings coverage of net charge-offs (x) | 4.3468% | 2,958 |
| Efficiency ratio | 62.4730% | 5,636 |
| Assets per employee ($millions) | 3.4852% | 4,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 6,649 |
| Loan loss allowance to noncurrent loans | 81.9618% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.9273% | 5,154 |
| Noncurrent loans to loans | 1.1279% | 4,854 |
| Net loans and leases to total assets | 81.4552% | 494 |
| Net loans and leases to deposits | 117.5266% | 132 |
| Net loans and leases to core deposits | 119.5917% | 538 |
| Total domestic deposits to total assets | 69.3079% | 7,272 |
| Equity capital to assets | 17.2161% | 433 |
| Core capital (leverage) ratio | 17.5707% | 356 |
| Tier 1 risk-based capital ratio | 24.3584% | 901 |
| Total risk-based capital ratio | 25.4072% | 902 |
| Memoranda: | ||
| Average total assets | $329,471,600 | 1,976 |
| Average earning assets | $296,559,800 | 2,006 |
| Average equity | $54,806,000 | 1,220 |
| Average total loans | $280,916,400 | 1,592 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6499% | 1,885 |
| Cost of funding earning assets | 1.0826% | 5,535 |
| Net interest margin | 4.5673% | 1,114 |
| Noninterest income to average assets | 0.9759% | 1,533 |
| Noninterest expense to average assets | 3.1019% | 3,327 |
| Loan and lease loss provision to assets | 0.2182% | 4,888 |
| Net operating income to assets | 1.2599% | 1,443 |
| Return on assets (ROA) | 1.2705% | 1,493 |
| Pretax return on assets | 1.7845% | 955 |
| Return on Equity (ROE) | 7.7047% | 3,020 |
| Retained earnings to average equity (ytd only) | 7.7047% | 1,514 |
| Net charge-offs to loans | 0.0366% | 6,196 |
| Credit loss provision to net charge-offs | 692.3077% | 427 |
| Earnings coverage of net charge-offs (x) | 63.0625% | 471 |
| Efficiency ratio | 60.9448% | 5,805 |
| Assets per employee ($millions) | 3.3847% | 5,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 6,634 |
| Loan loss allowance to noncurrent loans | 125.1205% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.6253% | 5,881 |
| Noncurrent loans to loans | 0.7465% | 5,712 |
| Net loans and leases to total assets | 82.9774% | 412 |
| Net loans and leases to deposits | 119.7876% | 113 |
| Net loans and leases to core deposits | 121.9910% | 556 |
| Total domestic deposits to total assets | 69.2704% | 7,314 |
| Equity capital to assets | 16.9876% | 516 |
| Core capital (leverage) ratio | 17.2478% | 407 |
| Tier 1 risk-based capital ratio | 23.7753% | 973 |
| Total risk-based capital ratio | 24.8489% | 969 |
| Memoranda: | ||
| Average total assets | $329,936,500 | 1,998 |
| Average earning assets | $297,179,000 | 2,025 |
| Average equity | $54,407,000 | 1,227 |
| Average total loans | $283,808,750 | 1,594 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6628% | 1,901 |
| Cost of funding earning assets | 1.0933% | 5,710 |
| Net interest margin | 4.5695% | 1,062 |
| Noninterest income to average assets | 1.0087% | 1,356 |
| Noninterest expense to average assets | 3.0776% | 3,403 |
| Loan and lease loss provision to assets | 0.2824% | 4,143 |
| Net operating income to assets | 1.1900% | 1,584 |
| Return on assets (ROA) | 1.1908% | 1,650 |
| Pretax return on assets | 1.7665% | 935 |
| Return on Equity (ROE) | 7.2954% | 3,182 |
| Retained earnings to average equity (ytd only) | 7.2954% | 1,715 |
| Net charge-offs to loans | 0.0525% | 5,651 |
| Credit loss provision to net charge-offs | 620.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 44.9600% | 657 |
| Efficiency ratio | 60.0474% | 6,040 |
| Assets per employee ($millions) | 3.4711% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8915% | 6,790 |
| Loan loss allowance to noncurrent loans | 104.5586% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 5,636 |
| Noncurrent loans to loans | 0.8526% | 5,562 |
| Net loans and leases to total assets | 85.0628% | 285 |
| Net loans and leases to deposits | 122.1938% | 108 |
| Net loans and leases to core deposits | 124.6138% | 556 |
| Total domestic deposits to total assets | 69.6130% | 7,351 |
| Equity capital to assets | 16.6412% | 579 |
| Core capital (leverage) ratio | 16.9582% | 447 |
| Tier 1 risk-based capital ratio | 23.0825% | 1,060 |
| Total risk-based capital ratio | 24.1185% | 1,063 |
| Memoranda: | ||
| Average total assets | $329,348,670 | 2,014 |
| Average earning assets | $296,709,330 | 2,050 |
| Average equity | $53,760,000 | 1,237 |
| Average total loans | $285,801,330 | 1,596 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7132% | 1,729 |
| Cost of funding earning assets | 1.1219% | 5,790 |
| Net interest margin | 4.5913% | 968 |
| Noninterest income to average assets | 1.1995% | 845 |
| Noninterest expense to average assets | 3.0430% | 3,506 |
| Loan and lease loss provision to assets | 0.0608% | 6,035 |
| Net operating income to assets | 1.4996% | 895 |
| Return on assets (ROA) | 1.4996% | 965 |
| Pretax return on assets | 2.2337% | 400 |
| Return on Equity (ROE) | 9.2778% | 2,389 |
| Retained earnings to average equity (ytd only) | 9.2778% | 1,326 |
| Net charge-offs to loans | 0.0028% | 5,583 |
| Credit loss provision to net charge-offs | 2,500.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 944.0000% | 20 |
| Efficiency ratio | 57.0128% | 6,628 |
| Assets per employee ($millions) | 3.4546% | 5,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7609% | 7,218 |
| Loan loss allowance to noncurrent loans | 108.7238% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.6314% | 5,940 |
| Noncurrent loans to loans | 0.6998% | 5,933 |
| Net loans and leases to total assets | 86.6757% | 183 |
| Net loans and leases to deposits | 126.8280% | 91 |
| Net loans and leases to core deposits | 129.3748% | 508 |
| Total domestic deposits to total assets | 68.3411% | 7,514 |
| Equity capital to assets | 16.4347% | 612 |
| Core capital (leverage) ratio | 16.7835% | 471 |
| Tier 1 risk-based capital ratio | 22.8697% | 1,097 |
| Total risk-based capital ratio | 23.7702% | 1,118 |
| Memoranda: | ||
| Average total assets | $329,146,500 | 2,070 |
| Average earning assets | $296,645,000 | 2,101 |
| Average equity | $53,202,500 | 1,256 |
| Average total loans | $287,192,000 | 1,645 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7043% | 3,086 |
| Cost of funding earning assets | 1.4614% | 5,676 |
| Net interest margin | 4.2429% | 1,925 |
| Noninterest income to average assets | 0.7431% | 2,721 |
| Noninterest expense to average assets | 3.0368% | 4,003 |
| Loan and lease loss provision to assets | 0.0897% | 6,714 |
| Net operating income to assets | 1.0046% | 1,823 |
| Return on assets (ROA) | 1.0198% | 1,821 |
| Pretax return on assets | 1.4646% | 1,277 |
| Return on Equity (ROE) | 6.4504% | 3,018 |
| Retained earnings to average equity (ytd only) | -8.6736% | 6,407 |
| Net charge-offs to loans | 0.0353% | 6,772 |
| Credit loss provision to net charge-offs | 291.2621% | 1,145 |
| Earnings coverage of net charge-offs (x) | 49.7767% | 516 |
| Efficiency ratio | 66.4617% | 5,293 |
| Assets per employee ($millions) | 3.3685% | 5,328 |
| Cash dividends to net income (ytd only)* | 234.4666% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7413% | 7,285 |
| Loan loss allowance to noncurrent loans | 111.3257% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.5804% | 6,005 |
| Noncurrent loans to loans | 0.6659% | 5,912 |
| Net loans and leases to total assets | 86.5212% | 248 |
| Net loans and leases to deposits | 129.3857% | 92 |
| Net loans and leases to core deposits | 139.7436% | 822 |
| Total domestic deposits to total assets | 66.8707% | 7,609 |
| Equity capital to assets | 15.8944% | 714 |
| Core capital (leverage) ratio | 16.2743% | 575 |
| Tier 1 risk-based capital ratio | 22.2935% | 1,121 |
| Total risk-based capital ratio | 23.0443% | 1,154 |
| Memoranda: | ||
| Average total assets | $334,560,400 | 2,028 |
| Average earning assets | $301,703,600 | 2,061 |
| Average equity | $52,896,000 | 1,249 |
| Average total loans | $292,047,600 | 1,639 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6925% | 3,376 |
| Cost of funding earning assets | 1.4850% | 5,884 |
| Net interest margin | 4.2075% | 2,030 |
| Noninterest income to average assets | 0.7309% | 2,819 |
| Noninterest expense to average assets | 3.0191% | 3,970 |
| Loan and lease loss provision to assets | 0.0794% | 6,573 |
| Net operating income to assets | 0.9953% | 2,080 |
| Return on assets (ROA) | 1.0025% | 2,109 |
| Pretax return on assets | 1.4387% | 1,595 |
| Return on Equity (ROE) | 6.3492% | 3,374 |
| Retained earnings to average equity (ytd only) | -13.7750% | 7,057 |
| Net charge-offs to loans | 0.0246% | 6,543 |
| Credit loss provision to net charge-offs | 370.3704% | 1,093 |
| Earnings coverage of net charge-offs (x) | 70.2946% | 479 |
| Efficiency ratio | 66.6930% | 5,248 |
| Assets per employee ($millions) | 3.4530% | 5,039 |
| Cash dividends to net income (ytd only)* | 316.9571% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7236% | 7,313 |
| Loan loss allowance to noncurrent loans | 115.8686% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 6,133 |
| Noncurrent loans to loans | 0.6245% | 6,052 |
| Net loans and leases to total assets | 84.3656% | 499 |
| Net loans and leases to deposits | 128.8709% | 114 |
| Net loans and leases to core deposits | 139.0818% | 965 |
| Total domestic deposits to total assets | 65.4652% | 7,714 |
| Equity capital to assets | 15.1134% | 972 |
| Core capital (leverage) ratio | 15.5849% | 744 |
| Tier 1 risk-based capital ratio | 21.7882% | 1,246 |
| Total risk-based capital ratio | 22.5134% | 1,310 |
| Memoranda: | ||
| Average total assets | $335,673,000 | 2,041 |
| Average earning assets | $302,847,250 | 2,070 |
| Average equity | $53,002,750 | 1,262 |
| Average total loans | $293,122,500 | 1,656 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7297% | 3,394 |
| Cost of funding earning assets | 1.5112% | 6,093 |
| Net interest margin | 4.2185% | 1,925 |
| Noninterest income to average assets | 0.7115% | 2,917 |
| Noninterest expense to average assets | 3.0923% | 3,731 |
| Loan and lease loss provision to assets | 0.1195% | 5,931 |
| Net operating income to assets | 0.9194% | 2,380 |
| Return on assets (ROA) | 0.9194% | 2,476 |
| Pretax return on assets | 1.3006% | 2,025 |
| Return on Equity (ROE) | 5.7401% | 3,770 |
| Retained earnings to average equity (ytd only) | -24.0980% | 7,574 |
| Net charge-offs to loans | 0.0210% | 6,212 |
| Credit loss provision to net charge-offs | 645.1613% | 721 |
| Earnings coverage of net charge-offs (x) | 76.6774% | 502 |
| Efficiency ratio | 68.5291% | 5,061 |
| Assets per employee ($millions) | 3.4382% | 4,981 |
| Cash dividends to net income (ytd only)* | 519.8181% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7228% | 7,369 |
| Loan loss allowance to noncurrent loans | 146.2821% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 6,227 |
| Noncurrent loans to loans | 0.4941% | 6,291 |
| Net loans and leases to total assets | 85.8055% | 393 |
| Net loans and leases to deposits | 130.0986% | 121 |
| Net loans and leases to core deposits | 140.2420% | 1,001 |
| Total domestic deposits to total assets | 65.9542% | 7,744 |
| Equity capital to assets | 14.8151% | 1,078 |
| Core capital (leverage) ratio | 15.3270% | 851 |
| Tier 1 risk-based capital ratio | 21.2666% | 1,354 |
| Total risk-based capital ratio | 21.9986% | 1,399 |
| Memoranda: | ||
| Average total assets | $334,765,670 | 2,072 |
| Average earning assets | $301,623,670 | 2,104 |
| Average equity | $53,622,670 | 1,259 |
| Average total loans | $294,973,330 | 1,682 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7842% | 3,383 |
| Cost of funding earning assets | 1.5236% | 6,331 |
| Net interest margin | 4.2606% | 1,701 |
| Noninterest income to average assets | 0.6353% | 3,310 |
| Noninterest expense to average assets | 3.1300% | 3,270 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9410% | 2,543 |
| Return on assets (ROA) | 0.9410% | 2,674 |
| Pretax return on assets | 1.3402% | 2,147 |
| Return on Equity (ROE) | 5.6602% | 4,191 |
| Retained earnings to average equity (ytd only) | -8.7607% | 6,992 |
| Net charge-offs to loans | 0.0243% | 5,209 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 62.1111% | 634 |
| Efficiency ratio | 70.0188% | 4,574 |
| Assets per employee ($millions) | 3.3352% | 5,232 |
| Cash dividends to net income (ytd only)* | 254.7771% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6539% | 7,565 |
| Loan loss allowance to noncurrent loans | 151.9810% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 5,857 |
| Noncurrent loans to loans | 0.4303% | 6,345 |
| Net loans and leases to total assets | 88.2507% | 243 |
| Net loans and leases to deposits | 136.7617% | 104 |
| Net loans and leases to core deposits | 148.0503% | 778 |
| Total domestic deposits to total assets | 64.5288% | 7,817 |
| Equity capital to assets | 16.6471% | 774 |
| Core capital (leverage) ratio | 17.1824% | 636 |
| Tier 1 risk-based capital ratio | 23.7812% | 1,107 |
| Total risk-based capital ratio | 24.4473% | 1,147 |
| Memoranda: | ||
| Average total assets | $333,678,500 | 2,087 |
| Average earning assets | $300,335,000 | 2,123 |
| Average equity | $55,475,000 | 1,227 |
| Average total loans | $296,851,000 | 1,680 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0453% | 5,326 |
| Cost of funding earning assets | 1.7103% | 7,236 |
| Net interest margin | 4.3349% | 1,874 |
| Noninterest income to average assets | 0.6848% | 3,212 |
| Noninterest expense to average assets | 2.9639% | 4,210 |
| Loan and lease loss provision to assets | 0.0915% | 6,228 |
| Net operating income to assets | 1.0898% | 2,187 |
| Return on assets (ROA) | 1.0898% | 2,103 |
| Pretax return on assets | 1.5157% | 1,637 |
| Return on Equity (ROE) | 6.0096% | 3,937 |
| Retained earnings to average equity (ytd only) | -11.3145% | 7,189 |
| Net charge-offs to loans | 0.0940% | 5,389 |
| Credit loss provision to net charge-offs | 109.4891% | 4,916 |
| Earnings coverage of net charge-offs (x) | 19.2299% | 1,647 |
| Efficiency ratio | 64.8405% | 5,362 |
| Assets per employee ($millions) | 3.3383% | 5,124 |
| Cash dividends to net income (ytd only)* | 288.2732% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6445% | 7,564 |
| Loan loss allowance to noncurrent loans | 152.2013% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 5,801 |
| Noncurrent loans to loans | 0.4234% | 6,074 |
| Net loans and leases to total assets | 88.5179% | 319 |
| Net loans and leases to deposits | 144.6306% | 93 |
| Net loans and leases to core deposits | 157.6411% | 629 |
| Total domestic deposits to total assets | 61.2027% | 7,920 |
| Equity capital to assets | 16.6039% | 826 |
| Core capital (leverage) ratio | 17.1496% | 680 |
| Tier 1 risk-based capital ratio | 23.7923% | 1,109 |
| Total risk-based capital ratio | 24.4526% | 1,143 |
| Memoranda: | ||
| Average total assets | $327,845,600 | 2,038 |
| Average earning assets | $293,916,600 | 2,083 |
| Average equity | $59,454,600 | 1,133 |
| Average total loans | $291,389,800 | 1,657 |