Home > Bank of Smithtown > Performance and Condition Ratios
Bank of Smithtown, 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 | 5.0793% | 4,432 |
| Cost of funding earning assets | 1.7987% | 1,426 |
| Net interest margin | 3.2805% | 6,079 |
| Noninterest income to average assets | 0.4055% | 4,914 |
| Noninterest expense to average assets | 2.3843% | 6,080 |
| Loan and lease loss provision to assets | 4.2870% | 128 |
| Net operating income to assets | -3.3520% | 7,498 |
| Return on assets (ROA) | -3.3641% | 7,512 |
| Pretax return on assets | -3.2169% | 7,463 |
| Return on Equity (ROE) | -56.3059% | 7,591 |
| Retained earnings to average equity (ytd only) | -56.3059% | 7,589 |
| Net charge-offs to loans | 3.1377% | 474 |
| Credit loss provision to net charge-offs | 163.8443% | 2,296 |
| Earnings coverage of net charge-offs (x) | 0.4136% | 5,607 |
| Efficiency ratio | 68.4853% | 4,378 |
| Assets per employee ($millions) | 7.2726% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5903% | 505 |
| Loan loss allowance to noncurrent loans | 24.5494% | 6,674 |
| Noncurrent assets plus other real estate owned to assets | 12.4448% | 247 |
| Noncurrent loans to loans | 14.6250% | 172 |
| Net loans and leases to total assets | 81.0205% | 618 |
| Net loans and leases to deposits | 101.5928% | 551 |
| Net loans and leases to core deposits | 113.2215% | 877 |
| Total domestic deposits to total assets | 79.7502% | 5,791 |
| Equity capital to assets | 4.9704% | 7,581 |
| Core capital (leverage) ratio | 4.7174% | 7,576 |
| Tier 1 risk-based capital ratio | 6.2757% | 7,591 |
| Total risk-based capital ratio | 8.5941% | 7,534 |
| Memoranda: | ||
| Average total assets | $2,410,301,000 | 293 |
| Average earning assets | $2,249,015,250 | 283 |
| Average equity | $144,009,750 | 470 |
| Average total loans | $2,009,968,250 | 240 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1374% | 4,261 |
| Cost of funding earning assets | 1.8168% | 1,582 |
| Net interest margin | 3.3207% | 5,942 |
| Noninterest income to average assets | 0.3959% | 4,940 |
| Noninterest expense to average assets | 2.3281% | 6,279 |
| Loan and lease loss provision to assets | 4.2770% | 165 |
| Net operating income to assets | -3.3675% | 7,562 |
| Return on assets (ROA) | -3.3726% | 7,565 |
| Pretax return on assets | -3.1111% | 7,484 |
| Return on Equity (ROE) | -53.6595% | 7,627 |
| Retained earnings to average equity (ytd only) | -53.6595% | 7,623 |
| Net charge-offs to loans | 3.2301% | 474 |
| Credit loss provision to net charge-offs | 159.1681% | 2,472 |
| Earnings coverage of net charge-offs (x) | 0.4358% | 5,287 |
| Efficiency ratio | 66.2476% | 4,939 |
| Assets per employee ($millions) | 7.4129% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9321% | 880 |
| Loan loss allowance to noncurrent loans | 25.4937% | 6,645 |
| Noncurrent assets plus other real estate owned to assets | 9.9172% | 415 |
| Noncurrent loans to loans | 11.5012% | 325 |
| Net loans and leases to total assets | 83.2862% | 407 |
| Net loans and leases to deposits | 105.2431% | 431 |
| Net loans and leases to core deposits | 117.1386% | 802 |
| Total domestic deposits to total assets | 79.1370% | 6,000 |
| Equity capital to assets | 5.7570% | 7,567 |
| Core capital (leverage) ratio | 4.9694% | 7,607 |
| Tier 1 risk-based capital ratio | 6.5351% | 7,634 |
| Total risk-based capital ratio | 9.3117% | 7,527 |
| Memoranda: | ||
| Average total assets | $2,454,963,670 | 289 |
| Average earning assets | $2,294,175,670 | 274 |
| Average equity | $154,299,000 | 441 |
| Average total loans | $2,042,303,330 | 234 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1720% | 4,182 |
| Cost of funding earning assets | 1.8338% | 1,728 |
| Net interest margin | 3.3382% | 5,824 |
| Noninterest income to average assets | 0.3812% | 5,086 |
| Noninterest expense to average assets | 2.1009% | 6,939 |
| Loan and lease loss provision to assets | 3.9530% | 222 |
| Net operating income to assets | -2.0819% | 7,482 |
| Return on assets (ROA) | -2.0789% | 7,485 |
| Pretax return on assets | -2.5463% | 7,522 |
| Return on Equity (ROE) | -31.8570% | 7,593 |
| Retained earnings to average equity (ytd only) | -31.8570% | 7,571 |
| Net charge-offs to loans | 2.3625% | 714 |
| Credit loss provision to net charge-offs | 204.0483% | 1,824 |
| Earnings coverage of net charge-offs (x) | 0.7242% | 4,379 |
| Efficiency ratio | 59.6796% | 6,230 |
| Assets per employee ($millions) | 8.1472% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5095% | 1,284 |
| Loan loss allowance to noncurrent loans | 25.1663% | 6,728 |
| Noncurrent assets plus other real estate owned to assets | 8.4313% | 568 |
| Noncurrent loans to loans | 9.9717% | 425 |
| Net loans and leases to total assets | 81.9750% | 595 |
| Net loans and leases to deposits | 106.2101% | 412 |
| Net loans and leases to core deposits | 116.5630% | 926 |
| Total domestic deposits to total assets | 77.1820% | 6,520 |
| Equity capital to assets | 6.5460% | 7,518 |
| Core capital (leverage) ratio | 5.8963% | 7,592 |
| Tier 1 risk-based capital ratio | 7.7651% | 7,637 |
| Total risk-based capital ratio | 9.9634% | 7,554 |
| Memoranda: | ||
| Average total assets | $2,529,740,500 | 290 |
| Average earning assets | $2,366,416,500 | 279 |
| Average equity | $165,087,500 | 418 |
| Average total loans | $2,074,411,500 | 242 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4412% | 4,486 |
| Cost of funding earning assets | 2.3244% | 1,567 |
| Net interest margin | 3.1167% | 6,322 |
| Noninterest income to average assets | 0.3730% | 5,424 |
| Noninterest expense to average assets | 2.0714% | 7,244 |
| Loan and lease loss provision to assets | 2.1842% | 953 |
| Net operating income to assets | -0.4943% | 6,173 |
| Return on assets (ROA) | -0.4416% | 6,118 |
| Pretax return on assets | -0.8547% | 6,309 |
| Return on Equity (ROE) | -5.9207% | 6,296 |
| Retained earnings to average equity (ytd only) | -6.8795% | 6,232 |
| Net charge-offs to loans | 1.2303% | 2,007 |
| Credit loss provision to net charge-offs | 214.1058% | 1,791 |
| Earnings coverage of net charge-offs (x) | 1.2226% | 4,900 |
| Efficiency ratio | 61.9786% | 6,158 |
| Assets per employee ($millions) | 8.7720% | 375 |
| Cash dividends to net income (ytd only)* | -16.1947% | 7,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8261% | 2,461 |
| Loan loss allowance to noncurrent loans | 29.5632% | 6,504 |
| Noncurrent assets plus other real estate owned to assets | 5.0230% | 1,221 |
| Noncurrent loans to loans | 6.1771% | 1,008 |
| Net loans and leases to total assets | 78.6158% | 1,262 |
| Net loans and leases to deposits | 99.6941% | 932 |
| Net loans and leases to core deposits | 132.0624% | 1,168 |
| Total domestic deposits to total assets | 78.8570% | 6,020 |
| Equity capital to assets | 6.5073% | 7,559 |
| Core capital (leverage) ratio | 6.2827% | 7,560 |
| Tier 1 risk-based capital ratio | 8.2591% | 7,618 |
| Total risk-based capital ratio | 10.3696% | 7,434 |
| Memoranda: | ||
| Average total assets | $2,334,960,200 | 310 |
| Average earning assets | $2,206,724,800 | 301 |
| Average equity | $174,170,000 | 395 |
| Average total loans | $1,936,094,400 | 271 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4933% | 4,446 |
| Cost of funding earning assets | 2.3761% | 1,719 |
| Net interest margin | 3.1172% | 6,263 |
| Noninterest income to average assets | 0.3863% | 5,425 |
| Noninterest expense to average assets | 1.8508% | 7,608 |
| Loan and lease loss provision to assets | 0.7667% | 2,453 |
| Net operating income to assets | 0.5154% | 3,919 |
| Return on assets (ROA) | 0.5638% | 3,821 |
| Pretax return on assets | 0.7889% | 3,577 |
| Return on Equity (ROE) | 7.2878% | 2,952 |
| Retained earnings to average equity (ytd only) | 6.0200% | 1,940 |
| Net charge-offs to loans | 0.0854% | 5,832 |
| Credit loss provision to net charge-offs | 1,072.6073% | 357 |
| Earnings coverage of net charge-offs (x) | 20.8086% | 1,222 |
| Efficiency ratio | 54.9741% | 7,120 |
| Assets per employee ($millions) | 9.3268% | 329 |
| Cash dividends to net income (ytd only)* | 17.3954% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 5,697 |
| Loan loss allowance to noncurrent loans | 39.5706% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 2.4490% | 2,810 |
| Noncurrent loans to loans | 2.7911% | 2,723 |
| Net loans and leases to total assets | 77.5129% | 1,668 |
| Net loans and leases to deposits | 99.3194% | 1,177 |
| Net loans and leases to core deposits | 130.9598% | 1,375 |
| Total domestic deposits to total assets | 78.0441% | 6,078 |
| Equity capital to assets | 7.2531% | 7,458 |
| Core capital (leverage) ratio | 7.6693% | 6,771 |
| Tier 1 risk-based capital ratio | 9.2148% | 7,530 |
| Total risk-based capital ratio | 11.1989% | 6,981 |
| Memoranda: | ||
| Average total assets | $2,260,797,000 | 333 |
| Average earning assets | $2,140,876,250 | 319 |
| Average equity | $174,901,000 | 405 |
| Average total loans | $1,893,281,500 | 288 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5668% | 4,236 |
| Cost of funding earning assets | 2.5025% | 1,605 |
| Net interest margin | 3.0644% | 6,352 |
| Noninterest income to average assets | 0.4192% | 5,127 |
| Noninterest expense to average assets | 1.9268% | 7,587 |
| Loan and lease loss provision to assets | 0.2823% | 4,318 |
| Net operating income to assets | 0.7495% | 3,047 |
| Return on assets (ROA) | 0.7666% | 3,088 |
| Pretax return on assets | 1.1298% | 2,536 |
| Return on Equity (ROE) | 9.6568% | 2,149 |
| Retained earnings to average equity (ytd only) | 8.3907% | 1,097 |
| Net charge-offs to loans | 0.0212% | 6,207 |
| Credit loss provision to net charge-offs | 1,546.3918% | 325 |
| Earnings coverage of net charge-offs (x) | 75.9691% | 505 |
| Efficiency ratio | 57.6321% | 6,920 |
| Assets per employee ($millions) | 8.6678% | 392 |
| Cash dividends to net income (ytd only)* | 13.1107% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7160% | 7,381 |
| Loan loss allowance to noncurrent loans | 47.6945% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 1.5619% | 3,884 |
| Noncurrent loans to loans | 1.5012% | 4,246 |
| Net loans and leases to total assets | 83.5964% | 694 |
| Net loans and leases to deposits | 109.6157% | 572 |
| Net loans and leases to core deposits | 141.8245% | 939 |
| Total domestic deposits to total assets | 76.2632% | 6,494 |
| Equity capital to assets | 8.1073% | 6,622 |
| Core capital (leverage) ratio | 8.3862% | 5,652 |
| Tier 1 risk-based capital ratio | 10.4760% | 6,396 |
| Total risk-based capital ratio | 11.5155% | 6,565 |
| Memoranda: | ||
| Average total assets | $2,125,244,000 | 353 |
| Average earning assets | $2,007,464,330 | 342 |
| Average equity | $168,710,000 | 422 |
| Average total loans | $1,827,470,670 | 305 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5916% | 4,407 |
| Cost of funding earning assets | 2.6506% | 1,409 |
| Net interest margin | 2.9409% | 6,637 |
| Noninterest income to average assets | 0.4476% | 4,799 |
| Noninterest expense to average assets | 1.8486% | 7,635 |
| Loan and lease loss provision to assets | 0.2379% | 4,080 |
| Net operating income to assets | 0.7631% | 3,286 |
| Return on assets (ROA) | 0.8324% | 3,131 |
| Pretax return on assets | 1.2359% | 2,495 |
| Return on Equity (ROE) | 10.6172% | 2,093 |
| Retained earnings to average equity (ytd only) | 9.4187% | 1,364 |
| Net charge-offs to loans | 0.0210% | 5,267 |
| Credit loss provision to net charge-offs | 1,304.3478% | 482 |
| Earnings coverage of net charge-offs (x) | 75.1304% | 546 |
| Efficiency ratio | 56.8701% | 6,850 |
| Assets per employee ($millions) | 8.6513% | 399 |
| Cash dividends to net income (ytd only)* | 11.2884% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6807% | 7,504 |
| Loan loss allowance to noncurrent loans | 147.5743% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 5,381 |
| Noncurrent loans to loans | 0.4613% | 6,261 |
| Net loans and leases to total assets | 83.3891% | 788 |
| Net loans and leases to deposits | 108.3569% | 707 |
| Net loans and leases to core deposits | 144.2215% | 923 |
| Total domestic deposits to total assets | 76.9578% | 6,285 |
| Equity capital to assets | 7.3509% | 7,455 |
| Core capital (leverage) ratio | 7.6849% | 6,904 |
| Tier 1 risk-based capital ratio | 9.3604% | 7,542 |
| Total risk-based capital ratio | 10.1046% | 7,909 |
| Memoranda: | ||
| Average total assets | $2,017,709,500 | 376 |
| Average earning assets | $1,901,294,000 | 355 |
| Average equity | $158,196,500 | 448 |
| Average total loans | $1,755,942,500 | 317 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6263% | 2,368 |
| Cost of funding earning assets | 2.7736% | 2,811 |
| Net interest margin | 3.8527% | 3,783 |
| Noninterest income to average assets | 0.6208% | 3,706 |
| Noninterest expense to average assets | 2.1221% | 7,183 |
| Loan and lease loss provision to assets | 0.2140% | 4,750 |
| Net operating income to assets | 1.2569% | 1,614 |
| Return on assets (ROA) | 1.2203% | 1,656 |
| Pretax return on assets | 1.8053% | 934 |
| Return on Equity (ROE) | 14.0752% | 1,089 |
| Retained earnings to average equity (ytd only) | 12.8017% | 179 |
| Net charge-offs to loans | 0.0111% | 6,769 |
| Credit loss provision to net charge-offs | 2,176.8707% | 210 |
| Earnings coverage of net charge-offs (x) | 210.8571% | 226 |
| Efficiency ratio | 49.9043% | 7,671 |
| Assets per employee ($millions) | 7.6706% | 523 |
| Cash dividends to net income (ytd only)* | 9.0481% | 4,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6693% | 7,505 |
| Loan loss allowance to noncurrent loans | 214.8859% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.6562% | 5,250 |
| Noncurrent loans to loans | 0.3115% | 6,444 |
| Net loans and leases to total assets | 89.9918% | 197 |
| Net loans and leases to deposits | 122.6208% | 337 |
| Net loans and leases to core deposits | 154.7383% | 691 |
| Total domestic deposits to total assets | 73.3903% | 6,754 |
| Equity capital to assets | 8.4107% | 6,234 |
| Core capital (leverage) ratio | 8.5901% | 5,399 |
| Tier 1 risk-based capital ratio | 9.8840% | 6,866 |
| Total risk-based capital ratio | 10.6242% | 7,365 |
| Memoranda: | ||
| Average total assets | $1,495,228,400 | 468 |
| Average earning assets | $1,387,180,400 | 462 |
| Average equity | $129,639,200 | 531 |
| Average total loans | $1,328,723,000 | 392 |