Home > TriStone Community Bank > Performance and Condition Ratios
TriStone Community Bank, Performance and Condition Ratios
| 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 | 4.9893% | 6,809 |
| Cost of funding earning assets | 2.1182% | 3,193 |
| Net interest margin | 2.8711% | 6,865 |
| Noninterest income to average assets | 0.5979% | 3,714 |
| Noninterest expense to average assets | 3.0386% | 3,924 |
| Loan and lease loss provision to assets | 0.1959% | 5,101 |
| Net operating income to assets | 0.1251% | 5,493 |
| Return on assets (ROA) | 0.1251% | 5,597 |
| Pretax return on assets | 0.1251% | 5,616 |
| Return on Equity (ROE) | 1.3812% | 5,507 |
| Retained earnings to average equity (ytd only) | 1.3812% | 4,571 |
| Net charge-offs to loans | 0.0106% | 6,417 |
| Credit loss provision to net charge-offs | 2,214.2857% | 244 |
| Earnings coverage of net charge-offs (x) | 36.2857% | 873 |
| Efficiency ratio | 90.4439% | 1,768 |
| Assets per employee ($millions) | 5.4848% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 6,329 |
| Loan loss allowance to noncurrent loans | 250.6567% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 6,364 |
| Noncurrent loans to loans | 0.3946% | 6,526 |
| Net loans and leases to total assets | 81.2769% | 1,089 |
| Net loans and leases to deposits | 94.2666% | 2,052 |
| Net loans and leases to core deposits | 126.9382% | 1,788 |
| Total domestic deposits to total assets | 86.2202% | 2,663 |
| Equity capital to assets | 8.7350% | 5,705 |
| Core capital (leverage) ratio | 9.1927% | 4,317 |
| Tier 1 risk-based capital ratio | 12.1949% | 4,759 |
| Total risk-based capital ratio | 13.3366% | 4,764 |
| Memoranda: | ||
| Average total assets | $158,232,330 | 3,860 |
| Average earning assets | $152,206,000 | 3,705 |
| Average equity | $14,335,000 | 4,232 |
| Average total loans | $131,670,670 | 3,311 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0839% | 6,692 |
| Cost of funding earning assets | 2.2986% | 2,704 |
| Net interest margin | 2.7853% | 7,024 |
| Noninterest income to average assets | 0.6242% | 3,388 |
| Noninterest expense to average assets | 2.9095% | 4,127 |
| Loan and lease loss provision to assets | 0.2064% | 4,382 |
| Net operating income to assets | 0.1806% | 5,715 |
| Return on assets (ROA) | 0.1806% | 5,890 |
| Pretax return on assets | 0.1806% | 5,985 |
| Return on Equity (ROE) | 1.9559% | 5,788 |
| Retained earnings to average equity (ytd only) | 1.9559% | 4,767 |
| Net charge-offs to loans | 0.0123% | 5,438 |
| Credit loss provision to net charge-offs | 2,000.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 37.5000% | 894 |
| Efficiency ratio | 88.2629% | 1,873 |
| Assets per employee ($millions) | 5.2555% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 6,474 |
| Loan loss allowance to noncurrent loans | 766.0606% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 6,085 |
| Noncurrent loans to loans | 0.1244% | 7,166 |
| Net loans and leases to total assets | 83.3078% | 809 |
| Net loans and leases to deposits | 99.5287% | 1,470 |
| Net loans and leases to core deposits | 188.3449% | 190 |
| Total domestic deposits to total assets | 83.7023% | 3,840 |
| Equity capital to assets | 9.1028% | 5,222 |
| Core capital (leverage) ratio | 9.2843% | 4,266 |
| Tier 1 risk-based capital ratio | 12.0300% | 4,939 |
| Total risk-based capital ratio | 13.0980% | 4,990 |
| Memoranda: | ||
| Average total assets | $155,076,000 | 3,927 |
| Average earning assets | $148,783,000 | 3,777 |
| Average equity | $14,316,000 | 4,263 |
| Average total loans | $129,969,500 | 3,364 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9530% | 5,797 |
| Cost of funding earning assets | 3.0272% | 1,773 |
| Net interest margin | 2.9258% | 7,092 |
| Noninterest income to average assets | 0.5070% | 4,565 |
| Noninterest expense to average assets | 2.9814% | 4,152 |
| Loan and lease loss provision to assets | 0.5129% | 2,755 |
| Net operating income to assets | -0.1859% | 6,606 |
| Return on assets (ROA) | -0.1859% | 6,454 |
| Pretax return on assets | -0.1859% | 6,359 |
| Return on Equity (ROE) | -1.7549% | 6,471 |
| Retained earnings to average equity (ytd only) | -1.7549% | 5,802 |
| Net charge-offs to loans | 0.3247% | 3,230 |
| Credit loss provision to net charge-offs | 187.1935% | 2,654 |
| Earnings coverage of net charge-offs (x) | 1.1935% | 5,531 |
| Efficiency ratio | 90.1151% | 1,508 |
| Assets per employee ($millions) | 4.6208% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 6,492 |
| Loan loss allowance to noncurrent loans | 218.3824% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.7738% | 4,916 |
| Noncurrent loans to loans | 0.4272% | 6,056 |
| Net loans and leases to total assets | 82.7217% | 1,095 |
| Net loans and leases to deposits | 99.4458% | 1,915 |
| Net loans and leases to core deposits | 182.3002% | 266 |
| Total domestic deposits to total assets | 83.1827% | 3,693 |
| Equity capital to assets | 9.3648% | 4,862 |
| Core capital (leverage) ratio | 9.4548% | 4,082 |
| Tier 1 risk-based capital ratio | 12.3769% | 4,523 |
| Total risk-based capital ratio | 13.4148% | 4,584 |
| Memoranda: | ||
| Average total assets | $133,931,200 | 4,204 |
| Average earning assets | $128,238,800 | 4,076 |
| Average equity | $14,189,200 | 4,297 |
| Average total loans | $113,019,600 | 3,613 |