Home > Tremont Savings Bank > Performance and Condition Ratios
Tremont Savings 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 | 5.2416% | 3,752 |
Cost of funding earning assets | 2.0247% | 842 |
Net interest margin | 3.2169% | 6,264 |
Noninterest income to average assets | 0.3722% | 5,160 |
Noninterest expense to average assets | 2.7326% | 4,774 |
Loan and lease loss provision to assets | 0.1413% | 5,479 |
Net operating income to assets | 0.3204% | 5,103 |
Return on assets (ROA) | 0.4900% | 4,533 |
Pretax return on assets | 0.4900% | 4,937 |
Return on Equity (ROE) | 5.9041% | 3,849 |
Retained earnings to average equity (ytd only) | 5.9041% | 2,389 |
Net charge-offs to loans | 0.0147% | 6,135 |
Credit loss provision to net charge-offs | 1,500.0000% | 263 |
Earnings coverage of net charge-offs (x) | 49.0000% | 603 |
Efficiency ratio | 85.5457% | 1,767 |
Assets per employee ($millions) | 2.8122% | 6,549 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9084% | 6,727 |
Loan loss allowance to noncurrent loans | 25.5789% | 6,637 |
Noncurrent assets plus other real estate owned to assets | 2.6670% | 2,704 |
Noncurrent loans to loans | 3.5515% | 2,225 |
Net loans and leases to total assets | 62.8357% | 4,511 |
Net loans and leases to deposits | 81.5996% | 3,329 |
Net loans and leases to core deposits | 82.3040% | 4,373 |
Total domestic deposits to total assets | 77.0050% | 6,503 |
Equity capital to assets | 8.3683% | 6,330 |
Core capital (leverage) ratio | 8.2119% | 5,921 |
Tier 1 risk-based capital ratio | 10.2061% | 6,908 |
Total risk-based capital ratio | 10.9287% | 7,184 |
Memoranda: | ||
Average total assets | $42,450,670 | 6,918 |
Average earning assets | $37,240,330 | 6,959 |
Average equity | $3,523,000 | 7,261 |
Average total loans | $27,158,000 | 6,677 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4431% | 2,852 |
Cost of funding earning assets | 2.1215% | 752 |
Net interest margin | 3.3215% | 5,896 |
Noninterest income to average assets | 0.4790% | 4,206 |
Noninterest expense to average assets | 2.6489% | 5,147 |
Loan and lease loss provision to assets | 0.1409% | 5,139 |
Net operating income to assets | 0.6012% | 3,891 |
Return on assets (ROA) | 0.6012% | 4,034 |
Pretax return on assets | 0.6012% | 4,599 |
Return on Equity (ROE) | 7.2738% | 3,211 |
Retained earnings to average equity (ytd only) | 7.2738% | 2,023 |
Net charge-offs to loans | 0.0292% | 5,160 |
Credit loss provision to net charge-offs | 750.0000% | 596 |
Earnings coverage of net charge-offs (x) | 39.5000% | 697 |
Efficiency ratio | 78.1163% | 2,874 |
Assets per employee ($millions) | 3.2082% | 5,749 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8574% | 6,969 |
Loan loss allowance to noncurrent loans | 25.6757% | 6,696 |
Noncurrent assets plus other real estate owned to assets | 2.5488% | 2,848 |
Noncurrent loans to loans | 3.3392% | 2,392 |
Net loans and leases to total assets | 63.2163% | 4,485 |
Net loans and leases to deposits | 82.4628% | 3,204 |
Net loans and leases to core deposits | 83.1467% | 4,319 |
Total domestic deposits to total assets | 76.6604% | 6,631 |
Equity capital to assets | 8.4496% | 6,073 |
Core capital (leverage) ratio | 8.0457% | 6,169 |
Tier 1 risk-based capital ratio | 10.2005% | 6,887 |
Total risk-based capital ratio | 10.8797% | 7,231 |
Memoranda: | ||
Average total assets | $42,584,500 | 6,996 |
Average earning assets | $37,332,000 | 7,043 |
Average equity | $3,519,500 | 7,340 |
Average total loans | $27,362,500 | 6,751 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3336% | 5,010 |
Cost of funding earning assets | 2.3339% | 1,511 |
Net interest margin | 2.9997% | 6,647 |
Noninterest income to average assets | 0.5677% | 3,883 |
Noninterest expense to average assets | 2.6079% | 5,771 |
Loan and lease loss provision to assets | 0.9409% | 2,394 |
Net operating income to assets | -0.2673% | 5,919 |
Return on assets (ROA) | -0.1063% | 5,694 |
Pretax return on assets | -0.1199% | 5,618 |
Return on Equity (ROE) | -1.3090% | 5,740 |
Retained earnings to average equity (ytd only) | -1.3090% | 5,351 |
Net charge-offs to loans | 1.7999% | 1,391 |
Credit loss provision to net charge-offs | 78.3427% | 6,328 |
Earnings coverage of net charge-offs (x) | 0.5330% | 5,581 |
Efficiency ratio | 80.2925% | 2,843 |
Assets per employee ($millions) | 2.8975% | 6,459 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7643% | 7,220 |
Loan loss allowance to noncurrent loans | 38.3929% | 5,863 |
Noncurrent assets plus other real estate owned to assets | 1.8176% | 3,642 |
Noncurrent loans to loans | 1.9906% | 3,660 |
Net loans and leases to total assets | 64.2316% | 4,552 |
Net loans and leases to deposits | 86.9363% | 2,748 |
Net loans and leases to core deposits | 97.8514% | 4,236 |
Total domestic deposits to total assets | 73.8835% | 7,032 |
Equity capital to assets | 8.0873% | 6,480 |
Core capital (leverage) ratio | 7.8180% | 6,428 |
Tier 1 risk-based capital ratio | 9.9725% | 6,894 |
Total risk-based capital ratio | 10.6011% | 7,287 |
Memoranda: | ||
Average total assets | $44,212,400 | 6,936 |
Average earning assets | $39,504,000 | 6,957 |
Average equity | $3,590,600 | 7,416 |
Average total loans | $29,502,000 | 6,657 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3420% | 5,213 |
Cost of funding earning assets | 2.3709% | 1,739 |
Net interest margin | 2.9711% | 6,681 |
Noninterest income to average assets | 0.5646% | 3,974 |
Noninterest expense to average assets | 2.6786% | 5,416 |
Loan and lease loss provision to assets | 0.6997% | 2,635 |
Net operating income to assets | -0.1532% | 5,992 |
Return on assets (ROA) | -0.0240% | 5,811 |
Pretax return on assets | -0.0240% | 5,744 |
Return on Equity (ROE) | -0.2956% | 5,826 |
Retained earnings to average equity (ytd only) | -0.2956% | 5,289 |
Net charge-offs to loans | 1.8451% | 1,095 |
Credit loss provision to net charge-offs | 56.4165% | 6,222 |
Earnings coverage of net charge-offs (x) | 0.4407% | 5,589 |
Efficiency ratio | 83.0540% | 2,422 |
Assets per employee ($millions) | 2.8903% | 6,434 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5163% | 7,692 |
Loan loss allowance to noncurrent loans | 14.4231% | 7,353 |
Noncurrent assets plus other real estate owned to assets | 2.5257% | 2,742 |
Noncurrent loans to loans | 3.5797% | 2,087 |
Net loans and leases to total assets | 66.6674% | 4,270 |
Net loans and leases to deposits | 90.4717% | 2,490 |
Net loans and leases to core deposits | 102.5729% | 4,098 |
Total domestic deposits to total assets | 73.6887% | 7,006 |
Equity capital to assets | 8.2161% | 6,619 |
Core capital (leverage) ratio | 7.1660% | 7,294 |
Tier 1 risk-based capital ratio | 9.7311% | 7,214 |
Total risk-based capital ratio | 10.1561% | 7,677 |
Memoranda: | ||
Average total assets | $44,399,750 | 6,987 |
Average earning assets | $39,759,250 | 7,005 |
Average equity | $3,609,500 | 7,477 |
Average total loans | $29,844,500 | 6,689 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3664% | 5,319 |
Cost of funding earning assets | 2.4039% | 1,958 |
Net interest margin | 2.9625% | 6,648 |
Noninterest income to average assets | 0.6481% | 3,354 |
Noninterest expense to average assets | 2.6727% | 5,484 |
Loan and lease loss provision to assets | 0.8447% | 1,984 |
Net operating income to assets | -0.2145% | 6,214 |
Return on assets (ROA) | -0.1654% | 6,153 |
Pretax return on assets | -0.1654% | 6,079 |
Return on Equity (ROE) | -2.0412% | 6,229 |
Retained earnings to average equity (ytd only) | -2.0412% | 5,756 |
Net charge-offs to loans | 0.4783% | 2,922 |
Credit loss provision to net charge-offs | 262.5000% | 1,779 |
Earnings coverage of net charge-offs (x) | 1.9583% | 4,121 |
Efficiency ratio | 80.9202% | 2,897 |
Assets per employee ($millions) | 2.8414% | 6,535 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5375% | 2,997 |
Loan loss allowance to noncurrent loans | 35.5044% | 6,069 |
Noncurrent assets plus other real estate owned to assets | 2.9915% | 2,126 |
Noncurrent loans to loans | 4.3303% | 1,501 |
Net loans and leases to total assets | 62.9691% | 5,192 |
Net loans and leases to deposits | 83.7243% | 3,940 |
Net loans and leases to core deposits | 94.8951% | 5,015 |
Total domestic deposits to total assets | 75.2101% | 6,717 |
Equity capital to assets | 7.5822% | 7,194 |
Core capital (leverage) ratio | 7.4658% | 7,064 |
Tier 1 risk-based capital ratio | 9.6374% | 7,286 |
Total risk-based capital ratio | 10.9026% | 7,218 |
Memoranda: | ||
Average total assets | $44,748,330 | 7,027 |
Average earning assets | $40,101,330 | 7,050 |
Average equity | $3,625,330 | 7,531 |
Average total loans | $30,108,330 | 6,728 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4881% | 4,977 |
Cost of funding earning assets | 2.4626% | 2,059 |
Net interest margin | 3.0255% | 6,413 |
Noninterest income to average assets | 0.4956% | 4,360 |
Noninterest expense to average assets | 2.5050% | 5,830 |
Loan and lease loss provision to assets | 0.1982% | 4,460 |
Net operating income to assets | 0.5046% | 4,399 |
Return on assets (ROA) | 0.6037% | 4,188 |
Pretax return on assets | 0.6037% | 4,740 |
Return on Equity (ROE) | 7.2150% | 3,496 |
Retained earnings to average equity (ytd only) | 7.2150% | 2,125 |
Net charge-offs to loans | 0.7837% | 1,644 |
Credit loss provision to net charge-offs | 36.6667% | 4,858 |
Earnings coverage of net charge-offs (x) | 1.3000% | 4,087 |
Efficiency ratio | 78.0899% | 3,151 |
Assets per employee ($millions) | 2.8235% | 6,589 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9737% | 6,352 |
Loan loss allowance to noncurrent loans | 56.6990% | 4,800 |
Noncurrent assets plus other real estate owned to assets | 1.3636% | 3,932 |
Noncurrent loans to loans | 1.7173% | 3,687 |
Net loans and leases to total assets | 65.7362% | 4,649 |
Net loans and leases to deposits | 88.4761% | 3,205 |
Net loans and leases to core deposits | 100.9175% | 4,447 |
Total domestic deposits to total assets | 74.2983% | 6,834 |
Equity capital to assets | 8.2920% | 6,406 |
Core capital (leverage) ratio | 8.1665% | 6,162 |
Tier 1 risk-based capital ratio | 11.8621% | 5,072 |
Total risk-based capital ratio | 12.8216% | 5,239 |
Memoranda: | ||
Average total assets | $44,391,500 | 7,087 |
Average earning assets | $39,795,000 | 7,102 |
Average equity | $3,714,500 | 7,551 |
Average total loans | $30,625,500 | 6,727 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1574% | 4,744 |
Cost of funding earning assets | 3.1787% | 1,258 |
Net interest margin | 2.9786% | 6,971 |
Noninterest income to average assets | 0.4751% | 4,838 |
Noninterest expense to average assets | 2.7523% | 5,037 |
Loan and lease loss provision to assets | 0.5687% | 2,546 |
Net operating income to assets | -0.1941% | 6,618 |
Return on assets (ROA) | -0.1941% | 6,464 |
Pretax return on assets | -0.1941% | 6,364 |
Return on Equity (ROE) | -2.4270% | 6,556 |
Retained earnings to average equity (ytd only) | -2.4270% | 5,982 |
Net charge-offs to loans | 0.7857% | 1,583 |
Credit loss provision to net charge-offs | 100.0000% | 5,290 |
Earnings coverage of net charge-offs (x) | 0.6586% | 5,827 |
Efficiency ratio | 85.0256% | 1,946 |
Assets per employee ($millions) | 3.1148% | 5,734 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0556% | 5,576 |
Loan loss allowance to noncurrent loans | 77.2834% | 4,233 |
Noncurrent assets plus other real estate owned to assets | 1.1993% | 3,851 |
Noncurrent loans to loans | 1.3659% | 3,789 |
Net loans and leases to total assets | 70.9336% | 3,802 |
Net loans and leases to deposits | 96.0263% | 2,447 |
Net loans and leases to core deposits | 109.7814% | 3,795 |
Total domestic deposits to total assets | 73.8689% | 6,676 |
Equity capital to assets | 8.4459% | 6,178 |
Core capital (leverage) ratio | 8.1229% | 6,292 |
Tier 1 risk-based capital ratio | 11.4159% | 5,322 |
Total risk-based capital ratio | 12.4795% | 5,393 |
Memoranda: | ||
Average total assets | $43,782,200 | 7,037 |
Average earning assets | $38,977,800 | 7,088 |
Average equity | $3,502,200 | 7,679 |
Average total loans | $31,692,000 | 6,620 |