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Tremont Savings Bank, Performance and Condition Ratios

2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2416%3,752
Cost of funding earning assets2.0247%842
Net interest margin3.2169%6,264
Noninterest income to average assets0.3722%5,160
Noninterest expense to average assets2.7326%4,774
Loan and lease loss provision to assets0.1413%5,479
Net operating income to assets0.3204%5,103
Return on assets (ROA)0.4900%4,533
Pretax return on assets0.4900%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 loans0.0147%6,135
Credit loss provision to net charge-offs1,500.0000%263
Earnings coverage of net charge-offs (x)49.0000%603
Efficiency ratio85.5457%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 loans0.9084%6,727
Loan loss allowance to noncurrent loans25.5789%6,637
Noncurrent assets plus other real estate owned to assets2.6670%2,704
Noncurrent loans to loans3.5515%2,225
Net loans and leases to total assets62.8357%4,511
Net loans and leases to deposits81.5996%3,329
Net loans and leases to core deposits82.3040%4,373
Total domestic deposits to total assets77.0050%6,503
Equity capital to assets8.3683%6,330
Core capital (leverage) ratio8.2119%5,921
Tier 1 risk-based capital ratio10.2061%6,908
Total risk-based capital ratio10.9287%7,184
Memoranda:
Average total assets$42,450,6706,918
Average earning assets$37,240,3306,959
Average equity$3,523,0007,261
Average total loans$27,158,0006,677
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4431%2,852
Cost of funding earning assets2.1215%752
Net interest margin3.3215%5,896
Noninterest income to average assets0.4790%4,206
Noninterest expense to average assets2.6489%5,147
Loan and lease loss provision to assets0.1409%5,139
Net operating income to assets0.6012%3,891
Return on assets (ROA)0.6012%4,034
Pretax return on assets0.6012%4,599
Return on Equity (ROE)7.2738%3,211
Retained earnings to average equity (ytd only)7.2738%2,023
Net charge-offs to loans0.0292%5,160
Credit loss provision to net charge-offs750.0000%596
Earnings coverage of net charge-offs (x)39.5000%697
Efficiency ratio78.1163%2,874
Assets per employee ($millions)3.2082%5,749
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.8574%6,969
Loan loss allowance to noncurrent loans25.6757%6,696
Noncurrent assets plus other real estate owned to assets2.5488%2,848
Noncurrent loans to loans3.3392%2,392
Net loans and leases to total assets63.2163%4,485
Net loans and leases to deposits82.4628%3,204
Net loans and leases to core deposits83.1467%4,319
Total domestic deposits to total assets76.6604%6,631
Equity capital to assets8.4496%6,073
Core capital (leverage) ratio8.0457%6,169
Tier 1 risk-based capital ratio10.2005%6,887
Total risk-based capital ratio10.8797%7,231
Memoranda:
Average total assets$42,584,5006,996
Average earning assets$37,332,0007,043
Average equity$3,519,5007,340
Average total loans$27,362,5006,751
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3336%5,010
Cost of funding earning assets2.3339%1,511
Net interest margin2.9997%6,647
Noninterest income to average assets0.5677%3,883
Noninterest expense to average assets2.6079%5,771
Loan and lease loss provision to assets0.9409%2,394
Net operating income to assets-0.2673%5,919
Return on assets (ROA)-0.1063%5,694
Pretax return on assets-0.1199%5,618
Return on Equity (ROE)-1.3090%5,740
Retained earnings to average equity (ytd only)-1.3090%5,351
Net charge-offs to loans1.7999%1,391
Credit loss provision to net charge-offs78.3427%6,328
Earnings coverage of net charge-offs (x)0.5330%5,581
Efficiency ratio80.2925%2,843
Assets per employee ($millions)2.8975%6,459
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.7643%7,220
Loan loss allowance to noncurrent loans38.3929%5,863
Noncurrent assets plus other real estate owned to assets1.8176%3,642
Noncurrent loans to loans1.9906%3,660
Net loans and leases to total assets64.2316%4,552
Net loans and leases to deposits86.9363%2,748
Net loans and leases to core deposits97.8514%4,236
Total domestic deposits to total assets73.8835%7,032
Equity capital to assets8.0873%6,480
Core capital (leverage) ratio7.8180%6,428
Tier 1 risk-based capital ratio9.9725%6,894
Total risk-based capital ratio10.6011%7,287
Memoranda:
Average total assets$44,212,4006,936
Average earning assets$39,504,0006,957
Average equity$3,590,6007,416
Average total loans$29,502,0006,657
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3420%5,213
Cost of funding earning assets2.3709%1,739
Net interest margin2.9711%6,681
Noninterest income to average assets0.5646%3,974
Noninterest expense to average assets2.6786%5,416
Loan and lease loss provision to assets0.6997%2,635
Net operating income to assets-0.1532%5,992
Return on assets (ROA)-0.0240%5,811
Pretax return on assets-0.0240%5,744
Return on Equity (ROE)-0.2956%5,826
Retained earnings to average equity (ytd only)-0.2956%5,289
Net charge-offs to loans1.8451%1,095
Credit loss provision to net charge-offs56.4165%6,222
Earnings coverage of net charge-offs (x)0.4407%5,589
Efficiency ratio83.0540%2,422
Assets per employee ($millions)2.8903%6,434
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.5163%7,692
Loan loss allowance to noncurrent loans14.4231%7,353
Noncurrent assets plus other real estate owned to assets2.5257%2,742
Noncurrent loans to loans3.5797%2,087
Net loans and leases to total assets66.6674%4,270
Net loans and leases to deposits90.4717%2,490
Net loans and leases to core deposits102.5729%4,098
Total domestic deposits to total assets73.6887%7,006
Equity capital to assets8.2161%6,619
Core capital (leverage) ratio7.1660%7,294
Tier 1 risk-based capital ratio9.7311%7,214
Total risk-based capital ratio10.1561%7,677
Memoranda:
Average total assets$44,399,7506,987
Average earning assets$39,759,2507,005
Average equity$3,609,5007,477
Average total loans$29,844,5006,689
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3664%5,319
Cost of funding earning assets2.4039%1,958
Net interest margin2.9625%6,648
Noninterest income to average assets0.6481%3,354
Noninterest expense to average assets2.6727%5,484
Loan and lease loss provision to assets0.8447%1,984
Net operating income to assets-0.2145%6,214
Return on assets (ROA)-0.1654%6,153
Pretax return on assets-0.1654%6,079
Return on Equity (ROE)-2.0412%6,229
Retained earnings to average equity (ytd only)-2.0412%5,756
Net charge-offs to loans0.4783%2,922
Credit loss provision to net charge-offs262.5000%1,779
Earnings coverage of net charge-offs (x)1.9583%4,121
Efficiency ratio80.9202%2,897
Assets per employee ($millions)2.8414%6,535
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.5375%2,997
Loan loss allowance to noncurrent loans35.5044%6,069
Noncurrent assets plus other real estate owned to assets2.9915%2,126
Noncurrent loans to loans4.3303%1,501
Net loans and leases to total assets62.9691%5,192
Net loans and leases to deposits83.7243%3,940
Net loans and leases to core deposits94.8951%5,015
Total domestic deposits to total assets75.2101%6,717
Equity capital to assets7.5822%7,194
Core capital (leverage) ratio7.4658%7,064
Tier 1 risk-based capital ratio9.6374%7,286
Total risk-based capital ratio10.9026%7,218
Memoranda:
Average total assets$44,748,3307,027
Average earning assets$40,101,3307,050
Average equity$3,625,3307,531
Average total loans$30,108,3306,728
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4881%4,977
Cost of funding earning assets2.4626%2,059
Net interest margin3.0255%6,413
Noninterest income to average assets0.4956%4,360
Noninterest expense to average assets2.5050%5,830
Loan and lease loss provision to assets0.1982%4,460
Net operating income to assets0.5046%4,399
Return on assets (ROA)0.6037%4,188
Pretax return on assets0.6037%4,740
Return on Equity (ROE)7.2150%3,496
Retained earnings to average equity (ytd only)7.2150%2,125
Net charge-offs to loans0.7837%1,644
Credit loss provision to net charge-offs36.6667%4,858
Earnings coverage of net charge-offs (x)1.3000%4,087
Efficiency ratio78.0899%3,151
Assets per employee ($millions)2.8235%6,589
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.9737%6,352
Loan loss allowance to noncurrent loans56.6990%4,800
Noncurrent assets plus other real estate owned to assets1.3636%3,932
Noncurrent loans to loans1.7173%3,687
Net loans and leases to total assets65.7362%4,649
Net loans and leases to deposits88.4761%3,205
Net loans and leases to core deposits100.9175%4,447
Total domestic deposits to total assets74.2983%6,834
Equity capital to assets8.2920%6,406
Core capital (leverage) ratio8.1665%6,162
Tier 1 risk-based capital ratio11.8621%5,072
Total risk-based capital ratio12.8216%5,239
Memoranda:
Average total assets$44,391,5007,087
Average earning assets$39,795,0007,102
Average equity$3,714,5007,551
Average total loans$30,625,5006,727
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1574%4,744
Cost of funding earning assets3.1787%1,258
Net interest margin2.9786%6,971
Noninterest income to average assets0.4751%4,838
Noninterest expense to average assets2.7523%5,037
Loan and lease loss provision to assets0.5687%2,546
Net operating income to assets-0.1941%6,618
Return on assets (ROA)-0.1941%6,464
Pretax return on assets-0.1941%6,364
Return on Equity (ROE)-2.4270%6,556
Retained earnings to average equity (ytd only)-2.4270%5,982
Net charge-offs to loans0.7857%1,583
Credit loss provision to net charge-offs100.0000%5,290
Earnings coverage of net charge-offs (x)0.6586%5,827
Efficiency ratio85.0256%1,946
Assets per employee ($millions)3.1148%5,734
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.0556%5,576
Loan loss allowance to noncurrent loans77.2834%4,233
Noncurrent assets plus other real estate owned to assets1.1993%3,851
Noncurrent loans to loans1.3659%3,789
Net loans and leases to total assets70.9336%3,802
Net loans and leases to deposits96.0263%2,447
Net loans and leases to core deposits109.7814%3,795
Total domestic deposits to total assets73.8689%6,676
Equity capital to assets8.4459%6,178
Core capital (leverage) ratio8.1229%6,292
Tier 1 risk-based capital ratio11.4159%5,322
Total risk-based capital ratio12.4795%5,393
Memoranda:
Average total assets$43,782,2007,037
Average earning assets$38,977,8007,088
Average equity$3,502,2007,679
Average total loans$31,692,0006,620