Home > The Stissing National Bank of Pine Plains > Performance and Condition Ratios
The Stissing National Bank of Pine Plains, Performance and Condition Ratios
| 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 | 4.0452% | 7,256 |
| Cost of funding earning assets | 0.3355% | 7,614 |
| Net interest margin | 3.7097% | 4,358 |
| Noninterest income to average assets | 1.0241% | 1,400 |
| Noninterest expense to average assets | 4.6039% | 534 |
| Loan and lease loss provision to assets | -0.1488% | 7,704 |
| Net operating income to assets | -0.0438% | 6,087 |
| Return on assets (ROA) | -0.0438% | 6,198 |
| Pretax return on assets | -0.0438% | 6,158 |
| Return on Equity (ROE) | -0.5205% | 6,222 |
| Retained earnings to average equity (ytd only) | -2.2208% | 6,241 |
| Net charge-offs to loans | -0.1838% | 7,612 |
| Credit loss provision to net charge-offs | 124.3902% | 3,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3651% | 631 |
| Assets per employee ($millions) | 2.2431% | 7,350 |
| Cash dividends to net income (ytd only)* | -326.6500% | 7,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5992% | 7,355 |
| Loan loss allowance to noncurrent loans | 59.7938% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 0.8560% | 5,386 |
| Noncurrent loans to loans | 1.0021% | 5,231 |
| Net loans and leases to total assets | 64.3410% | 4,057 |
| Net loans and leases to deposits | 70.3931% | 5,089 |
| Net loans and leases to core deposits | 70.3931% | 5,708 |
| Total domestic deposits to total assets | 91.4023% | 332 |
| Equity capital to assets | 8.4550% | 6,331 |
| Core capital (leverage) ratio | 8.3106% | 5,852 |
| Tier 1 risk-based capital ratio | 14.5185% | 3,499 |
| Total risk-based capital ratio | 15.2788% | 3,781 |
| Memoranda: | ||
| Average total assets | $45,699,500 | 6,755 |
| Average earning assets | $41,727,000 | 6,735 |
| Average equity | $3,842,250 | 7,136 |
| Average total loans | $29,747,500 | 6,495 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 7,313 |
| Cost of funding earning assets | 0.3471% | 7,689 |
| Net interest margin | 3.7090% | 4,321 |
| Noninterest income to average assets | 0.9874% | 1,414 |
| Noninterest expense to average assets | 4.4194% | 634 |
| Loan and lease loss provision to assets | -0.2392% | 7,785 |
| Net operating income to assets | 0.2001% | 5,560 |
| Return on assets (ROA) | 0.2001% | 5,694 |
| Pretax return on assets | 0.2001% | 5,770 |
| Return on Equity (ROE) | 2.3842% | 5,507 |
| Retained earnings to average equity (ytd only) | 0.6738% | 5,492 |
| Net charge-offs to loans | -0.3202% | 7,697 |
| Credit loss provision to net charge-offs | 114.5833% | 3,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8937% | 774 |
| Assets per employee ($millions) | 2.2818% | 7,368 |
| Cash dividends to net income (ytd only)* | 71.7391% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6034% | 7,411 |
| Loan loss allowance to noncurrent loans | 73.7705% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.7385% | 5,645 |
| Noncurrent loans to loans | 0.8179% | 5,639 |
| Net loans and leases to total assets | 64.9743% | 4,046 |
| Net loans and leases to deposits | 71.0442% | 5,138 |
| Net loans and leases to core deposits | 71.0442% | 5,770 |
| Total domestic deposits to total assets | 91.4561% | 345 |
| Equity capital to assets | 8.4540% | 6,226 |
| Core capital (leverage) ratio | 8.0570% | 6,186 |
| Tier 1 risk-based capital ratio | 14.8088% | 3,261 |
| Total risk-based capital ratio | 15.5722% | 3,501 |
| Memoranda: | ||
| Average total assets | $45,979,000 | 6,787 |
| Average earning assets | $42,060,000 | 6,776 |
| Average equity | $3,858,670 | 7,164 |
| Average total loans | $29,984,000 | 6,526 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0502% | 7,419 |
| Cost of funding earning assets | 0.3407% | 7,797 |
| Net interest margin | 3.7095% | 4,196 |
| Noninterest income to average assets | 0.9707% | 1,389 |
| Noninterest expense to average assets | 4.0476% | 963 |
| Loan and lease loss provision to assets | 0.0433% | 6,242 |
| Net operating income to assets | 0.2774% | 5,383 |
| Return on assets (ROA) | 0.2774% | 5,513 |
| Pretax return on assets | 0.2774% | 5,668 |
| Return on Equity (ROE) | 3.3169% | 5,199 |
| Retained earnings to average equity (ytd only) | 1.6585% | 5,106 |
| Net charge-offs to loans | 0.0399% | 5,021 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 1,573 |
| Efficiency ratio | 92.6587% | 1,232 |
| Assets per employee ($millions) | 2.5132% | 7,180 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6095% | 7,483 |
| Loan loss allowance to noncurrent loans | 73.8956% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.6924% | 5,788 |
| Noncurrent loans to loans | 0.8248% | 5,664 |
| Net loans and leases to total assets | 59.6940% | 5,170 |
| Net loans and leases to deposits | 64.7545% | 5,964 |
| Net loans and leases to core deposits | 64.7545% | 6,399 |
| Total domestic deposits to total assets | 92.1851% | 210 |
| Equity capital to assets | 7.6935% | 6,933 |
| Core capital (leverage) ratio | 7.6570% | 6,671 |
| Tier 1 risk-based capital ratio | 13.8316% | 3,779 |
| Total risk-based capital ratio | 14.5808% | 4,057 |
| Memoranda: | ||
| Average total assets | $46,151,000 | 6,872 |
| Average earning assets | $42,269,500 | 6,849 |
| Average equity | $3,859,000 | 7,227 |
| Average total loans | $30,060,500 | 6,603 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 7,201 |
| Cost of funding earning assets | 0.4803% | 7,847 |
| Net interest margin | 4.1772% | 2,143 |
| Noninterest income to average assets | 1.1559% | 1,154 |
| Noninterest expense to average assets | 4.4431% | 844 |
| Loan and lease loss provision to assets | 0.4984% | 3,883 |
| Net operating income to assets | 0.0332% | 5,387 |
| Return on assets (ROA) | 0.0332% | 5,438 |
| Pretax return on assets | 0.0332% | 5,365 |
| Return on Equity (ROE) | 0.3518% | 5,430 |
| Retained earnings to average equity (ytd only) | -5.3274% | 6,064 |
| Net charge-offs to loans | 0.5113% | 3,736 |
| Credit loss provision to net charge-offs | 136.3636% | 3,621 |
| Earnings coverage of net charge-offs (x) | 1.4545% | 4,672 |
| Efficiency ratio | 89.3130% | 1,762 |
| Assets per employee ($millions) | 2.1020% | 7,652 |
| Cash dividends to net income (ytd only)* | 1,614.2857% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6147% | 7,539 |
| Loan loss allowance to noncurrent loans | 71.0425% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 0.8516% | 5,404 |
| Noncurrent loans to loans | 0.8653% | 5,566 |
| Net loans and leases to total assets | 70.7652% | 3,065 |
| Net loans and leases to deposits | 79.2736% | 4,121 |
| Net loans and leases to core deposits | 86.0569% | 5,516 |
| Total domestic deposits to total assets | 89.2671% | 1,344 |
| Equity capital to assets | 9.1605% | 4,901 |
| Core capital (leverage) ratio | 8.7505% | 4,839 |
| Tier 1 risk-based capital ratio | 14.5346% | 3,189 |
| Total risk-based capital ratio | 15.3173% | 3,410 |
| Memoranda: | ||
| Average total assets | $42,132,800 | 7,023 |
| Average earning assets | $38,518,800 | 6,997 |
| Average equity | $3,979,400 | 7,306 |
| Average total loans | $30,118,800 | 6,617 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6841% | 7,306 |
| Cost of funding earning assets | 0.4864% | 7,950 |
| Net interest margin | 4.1978% | 2,070 |
| Noninterest income to average assets | 1.1766% | 1,128 |
| Noninterest expense to average assets | 4.4437% | 789 |
| Loan and lease loss provision to assets | 0.0949% | 6,417 |
| Net operating income to assets | 0.4871% | 4,040 |
| Return on assets (ROA) | 0.4871% | 4,139 |
| Pretax return on assets | 0.4871% | 4,557 |
| Return on Equity (ROE) | 5.1185% | 3,914 |
| Retained earnings to average equity (ytd only) | -0.6314% | 5,387 |
| Net charge-offs to loans | 0.0840% | 5,843 |
| Credit loss provision to net charge-offs | 157.8947% | 3,016 |
| Earnings coverage of net charge-offs (x) | 9.6854% | 2,073 |
| Efficiency ratio | 88.4204% | 1,825 |
| Assets per employee ($millions) | 2.2107% | 7,602 |
| Cash dividends to net income (ytd only)* | 112.3362% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4581% | 7,759 |
| Loan loss allowance to noncurrent loans | 51.3011% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 0.8323% | 5,422 |
| Noncurrent loans to loans | 0.8929% | 5,498 |
| Net loans and leases to total assets | 67.8224% | 3,996 |
| Net loans and leases to deposits | 74.8851% | 5,232 |
| Net loans and leases to core deposits | 78.2828% | 6,461 |
| Total domestic deposits to total assets | 90.5686% | 558 |
| Equity capital to assets | 9.1329% | 5,284 |
| Core capital (leverage) ratio | 9.4464% | 3,983 |
| Tier 1 risk-based capital ratio | 15.5605% | 2,785 |
| Total risk-based capital ratio | 16.1781% | 3,012 |
| Memoranda: | ||
| Average total assets | $42,156,250 | 7,073 |
| Average earning assets | $38,654,500 | 7,047 |
| Average equity | $4,011,500 | 7,350 |
| Average total loans | $30,165,250 | 6,672 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7398% | 7,333 |
| Cost of funding earning assets | 0.4965% | 8,043 |
| Net interest margin | 4.2434% | 1,838 |
| Noninterest income to average assets | 1.1382% | 1,214 |
| Noninterest expense to average assets | 4.5334% | 751 |
| Loan and lease loss provision to assets | 0.1784% | 5,262 |
| Net operating income to assets | 0.3424% | 4,710 |
| Return on assets (ROA) | 0.3424% | 4,824 |
| Pretax return on assets | 0.3424% | 5,090 |
| Return on Equity (ROE) | 3.5476% | 4,686 |
| Retained earnings to average equity (ytd only) | -2.8981% | 5,952 |
| Net charge-offs to loans | 0.1193% | 4,968 |
| Credit loss provision to net charge-offs | 205.5556% | 2,217 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,705 |
| Efficiency ratio | 89.6947% | 1,844 |
| Assets per employee ($millions) | 2.1147% | 7,759 |
| Cash dividends to net income (ytd only)* | 181.6901% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4483% | 7,844 |
| Loan loss allowance to noncurrent loans | 140.4040% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 6,914 |
| Noncurrent loans to loans | 0.3193% | 6,714 |
| Net loans and leases to total assets | 72.9773% | 2,958 |
| Net loans and leases to deposits | 80.8048% | 4,418 |
| Net loans and leases to core deposits | 85.1801% | 5,996 |
| Total domestic deposits to total assets | 90.3130% | 701 |
| Equity capital to assets | 9.3607% | 4,793 |
| Core capital (leverage) ratio | 9.5020% | 3,882 |
| Tier 1 risk-based capital ratio | 15.2590% | 2,906 |
| Total risk-based capital ratio | 15.9015% | 3,112 |
| Memoranda: | ||
| Average total assets | $41,470,330 | 7,152 |
| Average earning assets | $38,271,330 | 7,120 |
| Average equity | $4,002,670 | 7,411 |
| Average total loans | $30,178,670 | 6,722 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 7,181 |
| Cost of funding earning assets | 0.5184% | 8,093 |
| Net interest margin | 4.3801% | 1,393 |
| Noninterest income to average assets | 1.1106% | 1,202 |
| Noninterest expense to average assets | 4.6178% | 644 |
| Loan and lease loss provision to assets | 0.0974% | 5,710 |
| Net operating income to assets | 0.4287% | 4,751 |
| Return on assets (ROA) | 0.4287% | 4,926 |
| Pretax return on assets | 0.4287% | 5,317 |
| Return on Equity (ROE) | 4.3732% | 4,761 |
| Retained earnings to average equity (ytd only) | -4.5720% | 6,496 |
| Net charge-offs to loans | 0.0538% | 4,716 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 1,731 |
| Efficiency ratio | 89.7727% | 1,737 |
| Assets per employee ($millions) | 2.0717% | 7,839 |
| Cash dividends to net income (ytd only)* | 204.5455% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4414% | 7,907 |
| Loan loss allowance to noncurrent loans | 120.1835% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 6,719 |
| Noncurrent loans to loans | 0.3672% | 6,507 |
| Net loans and leases to total assets | 71.3200% | 3,399 |
| Net loans and leases to deposits | 79.1525% | 4,748 |
| Net loans and leases to core deposits | 83.1809% | 6,128 |
| Total domestic deposits to total assets | 90.1045% | 751 |
| Equity capital to assets | 9.6686% | 4,428 |
| Core capital (leverage) ratio | 9.6252% | 3,844 |
| Tier 1 risk-based capital ratio | 15.6293% | 2,804 |
| Total risk-based capital ratio | 16.2379% | 3,007 |
| Memoranda: | ||
| Average total assets | $41,058,500 | 7,201 |
| Average earning assets | $37,807,500 | 7,182 |
| Average equity | $4,024,500 | 7,447 |
| Average total loans | $29,766,000 | 6,783 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7920% | 6,458 |
| Cost of funding earning assets | 0.7481% | 8,132 |
| Net interest margin | 5.0439% | 461 |
| Noninterest income to average assets | 1.0274% | 1,500 |
| Noninterest expense to average assets | 4.5038% | 878 |
| Loan and lease loss provision to assets | 0.0435% | 6,872 |
| Net operating income to assets | 1.0927% | 2,173 |
| Return on assets (ROA) | 1.0927% | 2,092 |
| Pretax return on assets | 1.0927% | 3,050 |
| Return on Equity (ROE) | 11.2539% | 1,826 |
| Retained earnings to average equity (ytd only) | 0.3237% | 5,044 |
| Net charge-offs to loans | 0.1128% | 5,138 |
| Credit loss provision to net charge-offs | 56.2500% | 6,274 |
| Earnings coverage of net charge-offs (x) | 14.6875% | 2,019 |
| Efficiency ratio | 79.8543% | 2,618 |
| Assets per employee ($millions) | 2.0342% | 7,890 |
| Cash dividends to net income (ytd only)* | 97.1239% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3886% | 7,997 |
| Loan loss allowance to noncurrent loans | 105.4545% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 6,495 |
| Noncurrent loans to loans | 0.3685% | 6,260 |
| Net loans and leases to total assets | 73.0877% | 3,339 |
| Net loans and leases to deposits | 84.8142% | 4,285 |
| Net loans and leases to core deposits | 89.6902% | 5,830 |
| Total domestic deposits to total assets | 86.1739% | 2,329 |
| Equity capital to assets | 9.9376% | 4,116 |
| Core capital (leverage) ratio | 9.8880% | 3,559 |
| Tier 1 risk-based capital ratio | 16.2767% | 2,557 |
| Total risk-based capital ratio | 16.8749% | 2,731 |
| Memoranda: | ||
| Average total assets | $41,365,200 | 7,153 |
| Average earning assets | $37,827,800 | 7,153 |
| Average equity | $4,016,400 | 7,508 |
| Average total loans | $28,373,800 | 6,809 |