Home > Georgia Trust Bank > Performance and Condition Ratios
Georgia Trust Bank, Performance and Condition Ratios
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5713% | 6,518 |
| Cost of funding earning assets | 1.4391% | 304 |
| Net interest margin | 2.1322% | 7,068 |
| Noninterest income to average assets | -1.0797% | 7,225 |
| Noninterest expense to average assets | 2.5205% | 5,075 |
| Loan and lease loss provision to assets | 0.4613% | 1,386 |
| Net operating income to assets | -2.2464% | 7,099 |
| Return on assets (ROA) | -2.0876% | 7,092 |
| Pretax return on assets | -2.0876% | 7,079 |
| Return on Equity (ROE) | -105.0167% | 7,209 |
| Retained earnings to average equity (ytd only) | -105.0167% | 7,206 |
| Net charge-offs to loans | 1.6512% | 561 |
| Credit loss provision to net charge-offs | 46.5430% | 4,116 |
| Earnings coverage of net charge-offs (x) | -1.8010% | 5,369 |
| Efficiency ratio | 342.7273% | 16 |
| Assets per employee ($millions) | 5.8445% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8356% | 915 |
| Loan loss allowance to noncurrent loans | 12.0154% | 6,686 |
| Noncurrent assets plus other real estate owned to assets | 19.7382% | 43 |
| Noncurrent loans to loans | 23.5995% | 27 |
| Net loans and leases to total assets | 57.7800% | 4,204 |
| Net loans and leases to deposits | 58.8585% | 5,360 |
| Net loans and leases to core deposits | 63.5320% | 5,254 |
| Total domestic deposits to total assets | 98.1675% | 4 |
| Equity capital to assets | 1.6220% | 7,230 |
| Core capital (leverage) ratio | 1.5236% | 7,231 |
| Tier 1 risk-based capital ratio | 2.1952% | 7,231 |
| Total risk-based capital ratio | 3.4599% | 7,231 |
| Memoranda: | ||
| Average total assets | $119,659,000 | 4,429 |
| Average earning assets | $101,868,670 | 4,629 |
| Average equity | $2,378,670 | 7,044 |
| Average total loans | $71,826,330 | 4,358 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6547% | 6,502 |
| Cost of funding earning assets | 1.4992% | 289 |
| Net interest margin | 2.1555% | 7,107 |
| Noninterest income to average assets | -1.8869% | 7,296 |
| Noninterest expense to average assets | 2.5511% | 4,985 |
| Loan and lease loss provision to assets | 0.3073% | 2,047 |
| Net operating income to assets | -2.9114% | 7,217 |
| Return on assets (ROA) | -2.7395% | 7,209 |
| Pretax return on assets | -2.7395% | 7,195 |
| Return on Equity (ROE) | -126.5649% | 7,279 |
| Retained earnings to average equity (ytd only) | -126.5649% | 7,275 |
| Net charge-offs to loans | 0.5152% | 1,805 |
| Credit loss provision to net charge-offs | 98.9362% | 2,393 |
| Earnings coverage of net charge-offs (x) | -8.3830% | 4,687 |
| Efficiency ratio | -4,825.0000% | 7,306 |
| Assets per employee ($millions) | 5.9902% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2069% | 682 |
| Loan loss allowance to noncurrent loans | 13.4419% | 6,713 |
| Noncurrent assets plus other real estate owned to assets | 20.3557% | 46 |
| Noncurrent loans to loans | 23.8575% | 24 |
| Net loans and leases to total assets | 57.6174% | 4,109 |
| Net loans and leases to deposits | 58.8148% | 5,290 |
| Net loans and leases to core deposits | 63.3680% | 5,186 |
| Total domestic deposits to total assets | 97.9642% | 8 |
| Equity capital to assets | 1.8355% | 7,289 |
| Core capital (leverage) ratio | 1.8149% | 7,289 |
| Tier 1 risk-based capital ratio | 2.6507% | 7,288 |
| Total risk-based capital ratio | 3.9198% | 7,287 |
| Memoranda: | ||
| Average total assets | $121,043,500 | 4,431 |
| Average earning assets | $102,991,500 | 4,629 |
| Average equity | $2,620,000 | 7,036 |
| Average total loans | $72,984,500 | 4,349 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9052% | 6,607 |
| Cost of funding earning assets | 1.8528% | 180 |
| Net interest margin | 2.0525% | 7,213 |
| Noninterest income to average assets | -0.2923% | 7,197 |
| Noninterest expense to average assets | 2.5512% | 5,288 |
| Loan and lease loss provision to assets | 0.0343% | 6,134 |
| Net operating income to assets | -1.1074% | 6,791 |
| Return on assets (ROA) | -0.9038% | 6,728 |
| Pretax return on assets | -0.9038% | 6,694 |
| Return on Equity (ROE) | -36.0951% | 7,140 |
| Retained earnings to average equity (ytd only) | -36.0951% | 7,134 |
| Net charge-offs to loans | 0.9970% | 1,743 |
| Credit loss provision to net charge-offs | 5.5288% | 6,041 |
| Earnings coverage of net charge-offs (x) | -1.7296% | 6,267 |
| Efficiency ratio | 172.6034% | 90 |
| Assets per employee ($millions) | 6.4359% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0648% | 767 |
| Loan loss allowance to noncurrent loans | 13.6760% | 6,767 |
| Noncurrent assets plus other real estate owned to assets | 19.6863% | 55 |
| Noncurrent loans to loans | 22.4101% | 34 |
| Net loans and leases to total assets | 59.1791% | 4,157 |
| Net loans and leases to deposits | 60.8322% | 5,390 |
| Net loans and leases to core deposits | 65.1799% | 5,345 |
| Total domestic deposits to total assets | 97.2825% | 18 |
| Equity capital to assets | 2.4869% | 7,296 |
| Core capital (leverage) ratio | 2.3845% | 7,299 |
| Tier 1 risk-based capital ratio | 3.5373% | 7,297 |
| Total risk-based capital ratio | 4.8049% | 7,298 |
| Memoranda: | ||
| Average total assets | $134,093,800 | 4,090 |
| Average earning assets | $115,665,600 | 4,248 |
| Average equity | $3,357,800 | 6,918 |
| Average total loans | $83,450,000 | 4,036 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 6,742 |
| Cost of funding earning assets | 1.9178% | 168 |
| Net interest margin | 1.9740% | 7,302 |
| Noninterest income to average assets | -0.3211% | 7,306 |
| Noninterest expense to average assets | 2.5567% | 5,251 |
| Loan and lease loss provision to assets | 0.0097% | 6,309 |
| Net operating income to assets | -1.1791% | 6,951 |
| Return on assets (ROA) | -0.9826% | 6,909 |
| Pretax return on assets | -0.9826% | 6,870 |
| Return on Equity (ROE) | -39.1804% | 7,251 |
| Retained earnings to average equity (ytd only) | -39.1804% | 7,244 |
| Net charge-offs to loans | 1.1364% | 1,389 |
| Credit loss provision to net charge-offs | 1.3699% | 5,731 |
| Earnings coverage of net charge-offs (x) | -1.6466% | 5,999 |
| Efficiency ratio | 184.2917% | 63 |
| Assets per employee ($millions) | 6.5353% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9988% | 863 |
| Loan loss allowance to noncurrent loans | 13.3948% | 6,848 |
| Noncurrent assets plus other real estate owned to assets | 19.4811% | 59 |
| Noncurrent loans to loans | 22.3875% | 41 |
| Net loans and leases to total assets | 58.2567% | 4,463 |
| Net loans and leases to deposits | 59.9251% | 5,638 |
| Net loans and leases to core deposits | 64.5598% | 5,559 |
| Total domestic deposits to total assets | 97.2159% | 16 |
| Equity capital to assets | 2.5408% | 7,378 |
| Core capital (leverage) ratio | 2.4429% | 7,376 |
| Tier 1 risk-based capital ratio | 3.5979% | 7,373 |
| Total risk-based capital ratio | 4.8645% | 7,377 |
| Memoranda: | ||
| Average total assets | $137,046,500 | 4,058 |
| Average earning assets | $118,607,750 | 4,190 |
| Average equity | $3,437,000 | 6,952 |
| Average total loans | $85,649,000 | 4,018 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9334% | 6,764 |
| Cost of funding earning assets | 1.9858% | 148 |
| Net interest margin | 1.9476% | 7,379 |
| Noninterest income to average assets | -0.3377% | 7,392 |
| Noninterest expense to average assets | 2.6229% | 5,102 |
| Loan and lease loss provision to assets | 0.0144% | 6,103 |
| Net operating income to assets | -1.2863% | 7,030 |
| Return on assets (ROA) | -1.1871% | 7,013 |
| Pretax return on assets | -1.1871% | 6,961 |
| Return on Equity (ROE) | -47.5304% | 7,338 |
| Retained earnings to average equity (ytd only) | -47.5304% | 7,335 |
| Net charge-offs to loans | 1.5517% | 947 |
| Credit loss provision to net charge-offs | 1.4641% | 5,324 |
| Earnings coverage of net charge-offs (x) | -1.2958% | 5,668 |
| Efficiency ratio | 194.1489% | 67 |
| Assets per employee ($millions) | 6.6731% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8385% | 1,046 |
| Loan loss allowance to noncurrent loans | 14.3113% | 6,876 |
| Noncurrent assets plus other real estate owned to assets | 18.8617% | 78 |
| Noncurrent loans to loans | 19.8338% | 66 |
| Net loans and leases to total assets | 61.5813% | 3,973 |
| Net loans and leases to deposits | 63.3114% | 5,361 |
| Net loans and leases to core deposits | 68.6878% | 5,219 |
| Total domestic deposits to total assets | 97.2674% | 15 |
| Equity capital to assets | 2.5011% | 7,450 |
| Core capital (leverage) ratio | 2.4524% | 7,454 |
| Tier 1 risk-based capital ratio | 3.5317% | 7,447 |
| Total risk-based capital ratio | 4.7966% | 7,448 |
| Memoranda: | ||
| Average total assets | $139,160,000 | 4,038 |
| Average earning assets | $120,658,670 | 4,174 |
| Average equity | $3,475,670 | 6,987 |
| Average total loans | $88,032,330 | 3,984 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8757% | 6,852 |
| Cost of funding earning assets | 1.9977% | 168 |
| Net interest margin | 1.8779% | 7,437 |
| Noninterest income to average assets | -0.6591% | 7,513 |
| Noninterest expense to average assets | 2.6618% | 4,990 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.6872% | 7,238 |
| Return on assets (ROA) | -1.6534% | 7,236 |
| Pretax return on assets | -1.6534% | 7,206 |
| Return on Equity (ROE) | -66.2435% | 7,460 |
| Retained earnings to average equity (ytd only) | -66.2435% | 7,451 |
| Net charge-offs to loans | 0.7041% | 1,809 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -3.7911% | 5,004 |
| Efficiency ratio | 273.1214% | 31 |
| Assets per employee ($millions) | 6.9811% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3205% | 700 |
| Loan loss allowance to noncurrent loans | 16.5325% | 6,881 |
| Noncurrent assets plus other real estate owned to assets | 18.4908% | 82 |
| Noncurrent loans to loans | 20.0847% | 69 |
| Net loans and leases to total assets | 60.8089% | 4,111 |
| Net loans and leases to deposits | 62.4169% | 5,453 |
| Net loans and leases to core deposits | 68.2755% | 5,261 |
| Total domestic deposits to total assets | 97.4237% | 12 |
| Equity capital to assets | 2.3664% | 7,509 |
| Core capital (leverage) ratio | 2.6009% | 7,497 |
| Tier 1 risk-based capital ratio | 3.7131% | 7,498 |
| Total risk-based capital ratio | 4.9844% | 7,499 |
| Memoranda: | ||
| Average total assets | $142,009,500 | 4,028 |
| Average earning assets | $123,539,000 | 4,148 |
| Average equity | $3,544,500 | 7,001 |
| Average total loans | $89,754,500 | 3,983 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0537% | 7,090 |
| Cost of funding earning assets | 2.3610% | 177 |
| Net interest margin | 1.6927% | 7,523 |
| Noninterest income to average assets | -1.6193% | 7,645 |
| Noninterest expense to average assets | 2.1003% | 6,843 |
| Loan and lease loss provision to assets | 2.0861% | 618 |
| Net operating income to assets | -4.3234% | 7,472 |
| Return on assets (ROA) | -4.2340% | 7,476 |
| Pretax return on assets | -4.2340% | 7,471 |
| Return on Equity (ROE) | -87.9461% | 7,574 |
| Retained earnings to average equity (ytd only) | -87.9461% | 7,574 |
| Net charge-offs to loans | 2.3690% | 807 |
| Credit loss provision to net charge-offs | 137.1670% | 2,786 |
| Earnings coverage of net charge-offs (x) | -1.4710% | 6,673 |
| Efficiency ratio | -1,533.3333% | 7,654 |
| Assets per employee ($millions) | 7.2199% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3526% | 655 |
| Loan loss allowance to noncurrent loans | 20.5894% | 6,789 |
| Noncurrent assets plus other real estate owned to assets | 16.1768% | 131 |
| Noncurrent loans to loans | 16.2830% | 124 |
| Net loans and leases to total assets | 61.3700% | 4,427 |
| Net loans and leases to deposits | 63.1067% | 5,732 |
| Net loans and leases to core deposits | 70.5319% | 5,398 |
| Total domestic deposits to total assets | 97.2479% | 15 |
| Equity capital to assets | 2.6212% | 7,580 |
| Core capital (leverage) ratio | 2.8895% | 7,566 |
| Tier 1 risk-based capital ratio | 4.0968% | 7,562 |
| Total risk-based capital ratio | 5.3682% | 7,562 |
| Memoranda: | ||
| Average total assets | $155,503,200 | 3,782 |
| Average earning assets | $136,173,400 | 3,894 |
| Average equity | $7,486,400 | 5,878 |
| Average total loans | $99,831,000 | 3,795 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0636% | 7,235 |
| Cost of funding earning assets | 2.4180% | 189 |
| Net interest margin | 1.6456% | 7,652 |
| Noninterest income to average assets | -1.8060% | 7,751 |
| Noninterest expense to average assets | 2.0562% | 6,942 |
| Loan and lease loss provision to assets | 2.7327% | 355 |
| Net operating income to assets | -5.1519% | 7,657 |
| Return on assets (ROA) | -5.0348% | 7,656 |
| Pretax return on assets | -5.0348% | 7,645 |
| Return on Equity (ROE) | -94.7381% | 7,688 |
| Retained earnings to average equity (ytd only) | -94.7381% | 7,687 |
| Net charge-offs to loans | 1.9790% | 959 |
| Credit loss provision to net charge-offs | 214.5503% | 1,632 |
| Earnings coverage of net charge-offs (x) | -1.8995% | 6,529 |
| Efficiency ratio | -566.3573% | 7,756 |
| Assets per employee ($millions) | 7.0901% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0820% | 343 |
| Loan loss allowance to noncurrent loans | 27.8609% | 6,459 |
| Noncurrent assets plus other real estate owned to assets | 15.2634% | 151 |
| Noncurrent loans to loans | 14.6512% | 170 |
| Net loans and leases to total assets | 61.9758% | 4,534 |
| Net loans and leases to deposits | 64.3108% | 5,874 |
| Net loans and leases to core deposits | 72.7662% | 5,431 |
| Total domestic deposits to total assets | 96.3692% | 23 |
| Equity capital to assets | 3.4475% | 7,671 |
| Core capital (leverage) ratio | 3.1260% | 7,670 |
| Tier 1 risk-based capital ratio | 4.4781% | 7,665 |
| Total risk-based capital ratio | 5.7575% | 7,669 |
| Memoranda: | ||
| Average total assets | $158,279,500 | 3,793 |
| Average earning assets | $138,789,250 | 3,893 |
| Average equity | $8,411,750 | 5,654 |
| Average total loans | $101,866,000 | 3,805 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1171% | 7,267 |
| Cost of funding earning assets | 2.4516% | 206 |
| Net interest margin | 1.6655% | 7,719 |
| Noninterest income to average assets | -1.9912% | 7,820 |
| Noninterest expense to average assets | 1.9466% | 7,190 |
| Loan and lease loss provision to assets | 1.3618% | 994 |
| Net operating income to assets | -3.8375% | 7,605 |
| Return on assets (ROA) | -3.7049% | 7,600 |
| Pretax return on assets | -3.7049% | 7,569 |
| Return on Equity (ROE) | -62.9164% | 7,664 |
| Retained earnings to average equity (ytd only) | -62.9164% | 7,662 |
| Net charge-offs to loans | 2.4520% | 711 |
| Credit loss provision to net charge-offs | 86.3994% | 4,534 |
| Earnings coverage of net charge-offs (x) | -1.5708% | 6,180 |
| Efficiency ratio | -367.9157% | 7,824 |
| Assets per employee ($millions) | 7.7462% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0801% | 2,011 |
| Loan loss allowance to noncurrent loans | 19.1950% | 6,990 |
| Noncurrent assets plus other real estate owned to assets | 12.6704% | 238 |
| Noncurrent loans to loans | 10.8366% | 376 |
| Net loans and leases to total assets | 58.5148% | 5,331 |
| Net loans and leases to deposits | 61.6394% | 6,266 |
| Net loans and leases to core deposits | 69.7793% | 5,899 |
| Total domestic deposits to total assets | 94.9308% | 49 |
| Equity capital to assets | 4.8958% | 7,643 |
| Core capital (leverage) ratio | 4.8080% | 7,621 |
| Tier 1 risk-based capital ratio | 6.7934% | 7,620 |
| Total risk-based capital ratio | 8.0498% | 7,622 |
| Memoranda: | ||
| Average total assets | $161,408,670 | 3,756 |
| Average earning assets | $141,702,670 | 3,870 |
| Average equity | $9,504,670 | 5,340 |
| Average total loans | $103,753,330 | 3,774 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2597% | 7,192 |
| Cost of funding earning assets | 2.5258% | 212 |
| Net interest margin | 1.7338% | 7,791 |
| Noninterest income to average assets | 0.0025% | 7,650 |
| Noninterest expense to average assets | 1.9953% | 7,170 |
| Loan and lease loss provision to assets | 1.0574% | 1,168 |
| Net operating income to assets | -1.5251% | 7,341 |
| Return on assets (ROA) | -1.5251% | 7,345 |
| Pretax return on assets | -1.5251% | 7,265 |
| Return on Equity (ROE) | -23.8637% | 7,486 |
| Retained earnings to average equity (ytd only) | -23.8637% | 7,442 |
| Net charge-offs to loans | 0.6391% | 2,221 |
| Credit loss provision to net charge-offs | 248.5380% | 1,559 |
| Earnings coverage of net charge-offs (x) | -1.0994% | 5,395 |
| Efficiency ratio | 130.6189% | 333 |
| Assets per employee ($millions) | 7.3558% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3368% | 1,523 |
| Loan loss allowance to noncurrent loans | 26.3787% | 6,640 |
| Noncurrent assets plus other real estate owned to assets | 11.7019% | 283 |
| Noncurrent loans to loans | 8.8586% | 558 |
| Net loans and leases to total assets | 63.2480% | 4,480 |
| Net loans and leases to deposits | 67.5959% | 5,638 |
| Net loans and leases to core deposits | 88.4611% | 3,578 |
| Total domestic deposits to total assets | 93.5679% | 85 |
| Equity capital to assets | 6.2795% | 7,576 |
| Core capital (leverage) ratio | 6.2217% | 7,545 |
| Tier 1 risk-based capital ratio | 8.2019% | 7,595 |
| Total risk-based capital ratio | 9.4604% | 7,600 |
| Memoranda: | ||
| Average total assets | $160,778,000 | 3,828 |
| Average earning assets | $141,419,500 | 3,932 |
| Average equity | $10,275,000 | 5,157 |
| Average total loans | $107,026,000 | 3,754 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8385% | 6,862 |
| Cost of funding earning assets | 3.1368% | 151 |
| Net interest margin | 1.7017% | 7,829 |
| Noninterest income to average assets | 0.0525% | 7,493 |
| Noninterest expense to average assets | 2.7421% | 5,188 |
| Loan and lease loss provision to assets | 0.5737% | 3,507 |
| Net operating income to assets | -1.7529% | 6,991 |
| Return on assets (ROA) | -1.7133% | 6,974 |
| Pretax return on assets | -1.7133% | 6,829 |
| Return on Equity (ROE) | -21.9082% | 7,205 |
| Retained earnings to average equity (ytd only) | -21.9082% | 7,176 |
| Net charge-offs to loans | 0.6390% | 3,278 |
| Credit loss provision to net charge-offs | 122.5762% | 4,315 |
| Earnings coverage of net charge-offs (x) | -2.5194% | 7,034 |
| Efficiency ratio | 175.4459% | 199 |
| Assets per employee ($millions) | 6.9447% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0092% | 1,996 |
| Loan loss allowance to noncurrent loans | 85.8092% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 6.8667% | 744 |
| Noncurrent loans to loans | 2.3414% | 3,243 |
| Net loans and leases to total assets | 67.0233% | 3,925 |
| Net loans and leases to deposits | 71.7714% | 5,359 |
| Net loans and leases to core deposits | 113.8653% | 2,512 |
| Total domestic deposits to total assets | 93.3844% | 104 |
| Equity capital to assets | 6.5036% | 7,561 |
| Core capital (leverage) ratio | 6.7376% | 7,392 |
| Tier 1 risk-based capital ratio | 8.5334% | 7,580 |
| Total risk-based capital ratio | 9.7892% | 7,607 |
| Memoranda: | ||
| Average total assets | $154,259,200 | 3,891 |
| Average earning assets | $136,922,400 | 3,960 |
| Average equity | $12,064,000 | 4,733 |
| Average total loans | $112,984,000 | 3,626 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8555% | 6,998 |
| Cost of funding earning assets | 3.2393% | 167 |
| Net interest margin | 1.6162% | 7,925 |
| Noninterest income to average assets | 0.0087% | 7,811 |
| Noninterest expense to average assets | 2.9850% | 4,106 |
| Loan and lease loss provision to assets | 0.6741% | 2,717 |
| Net operating income to assets | -2.2133% | 7,387 |
| Return on assets (ROA) | -2.1601% | 7,364 |
| Pretax return on assets | -2.1601% | 7,234 |
| Return on Equity (ROE) | -26.4566% | 7,539 |
| Retained earnings to average equity (ytd only) | -26.4566% | 7,522 |
| Net charge-offs to loans | 0.1709% | 5,025 |
| Credit loss provision to net charge-offs | 529.4521% | 739 |
| Earnings coverage of net charge-offs (x) | -12.0891% | 6,912 |
| Efficiency ratio | 206.4536% | 138 |
| Assets per employee ($millions) | 7.1545% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3778% | 1,197 |
| Loan loss allowance to noncurrent loans | 80.4295% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 7.0528% | 681 |
| Noncurrent loans to loans | 2.9564% | 2,560 |
| Net loans and leases to total assets | 69.3569% | 3,645 |
| Net loans and leases to deposits | 74.7945% | 5,248 |
| Net loans and leases to core deposits | 119.7256% | 2,269 |
| Total domestic deposits to total assets | 92.7299% | 107 |
| Equity capital to assets | 6.9397% | 7,623 |
| Core capital (leverage) ratio | 7.0786% | 7,374 |
| Tier 1 risk-based capital ratio | 8.6143% | 7,719 |
| Total risk-based capital ratio | 9.8746% | 7,745 |
| Memoranda: | ||
| Average total assets | $152,892,000 | 3,933 |
| Average earning assets | $135,952,000 | 4,006 |
| Average equity | $12,483,000 | 4,661 |
| Average total loans | $113,917,500 | 3,637 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8120% | 7,206 |
| Cost of funding earning assets | 3.3044% | 202 |
| Net interest margin | 1.5076% | 8,016 |
| Noninterest income to average assets | 0.0304% | 7,836 |
| Noninterest expense to average assets | 2.3582% | 6,598 |
| Loan and lease loss provision to assets | 0.0383% | 6,855 |
| Net operating income to assets | -1.0225% | 7,004 |
| Return on assets (ROA) | -0.9419% | 6,933 |
| Pretax return on assets | -0.9419% | 6,775 |
| Return on Equity (ROE) | -10.9667% | 7,109 |
| Retained earnings to average equity (ytd only) | -10.9667% | 6,967 |
| Net charge-offs to loans | -0.0454% | 7,830 |
| Credit loss provision to net charge-offs | -111.5385% | 6,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 171.6346% | 278 |
| Assets per employee ($millions) | 6.7549% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8023% | 2,039 |
| Loan loss allowance to noncurrent loans | 35.4932% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 7.5147% | 532 |
| Noncurrent loans to loans | 5.0779% | 1,198 |
| Net loans and leases to total assets | 73.1892% | 2,914 |
| Net loans and leases to deposits | 79.8098% | 4,573 |
| Net loans and leases to core deposits | 135.8985% | 1,215 |
| Total domestic deposits to total assets | 91.7046% | 271 |
| Equity capital to assets | 8.0058% | 6,744 |
| Core capital (leverage) ratio | 8.2996% | 5,798 |
| Tier 1 risk-based capital ratio | 9.9017% | 7,038 |
| Total risk-based capital ratio | 11.1562% | 6,964 |
| Memoranda: | ||
| Average total assets | $151,389,670 | 3,974 |
| Average earning assets | $134,912,330 | 4,051 |
| Average equity | $13,003,000 | 4,538 |
| Average total loans | $114,614,670 | 3,656 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7425% | 7,447 |
| Cost of funding earning assets | 3.3194% | 257 |
| Net interest margin | 1.4230% | 8,081 |
| Noninterest income to average assets | 0.1017% | 7,529 |
| Noninterest expense to average assets | 2.4042% | 6,183 |
| Loan and lease loss provision to assets | 0.0375% | 6,482 |
| Net operating income to assets | -1.0683% | 7,296 |
| Return on assets (ROA) | -1.0683% | 7,305 |
| Pretax return on assets | -1.0683% | 7,184 |
| Return on Equity (ROE) | -12.0131% | 7,474 |
| Retained earnings to average equity (ytd only) | -12.0131% | 7,265 |
| Net charge-offs to loans | -0.1263% | 7,938 |
| Credit loss provision to net charge-offs | -38.8889% | 6,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 175.0487% | 263 |
| Assets per employee ($millions) | 5.2363% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8083% | 1,830 |
| Loan loss allowance to noncurrent loans | 39.8774% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 7.6876% | 408 |
| Noncurrent loans to loans | 4.5347% | 1,264 |
| Net loans and leases to total assets | 74.4485% | 2,639 |
| Net loans and leases to deposits | 81.6279% | 4,345 |
| Net loans and leases to core deposits | 143.6177% | 947 |
| Total domestic deposits to total assets | 91.2047% | 349 |
| Equity capital to assets | 8.5345% | 6,022 |
| Core capital (leverage) ratio | 8.7287% | 5,096 |
| Tier 1 risk-based capital ratio | 10.1707% | 6,747 |
| Total risk-based capital ratio | 11.4257% | 6,647 |
| Memoranda: | ||
| Average total assets | $149,403,000 | 4,023 |
| Average earning assets | $133,516,500 | 4,079 |
| Average equity | $13,285,500 | 4,513 |
| Average total loans | $114,024,000 | 3,699 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0510% | 5,295 |
| Cost of funding earning assets | 3.9942% | 100 |
| Net interest margin | 2.0568% | 8,037 |
| Noninterest income to average assets | 0.2440% | 6,698 |
| Noninterest expense to average assets | 2.6145% | 5,595 |
| Loan and lease loss provision to assets | 1.2221% | 1,173 |
| Net operating income to assets | -1.7639% | 7,545 |
| Return on assets (ROA) | -1.7602% | 7,500 |
| Pretax return on assets | -1.7602% | 7,358 |
| Return on Equity (ROE) | -17.0345% | 7,666 |
| Retained earnings to average equity (ytd only) | -17.0345% | 7,568 |
| Net charge-offs to loans | 0.8687% | 1,440 |
| Credit loss provision to net charge-offs | 180.2174% | 2,794 |
| Earnings coverage of net charge-offs (x) | -0.7989% | 6,561 |
| Efficiency ratio | 126.1380% | 500 |
| Assets per employee ($millions) | 5.0673% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8005% | 1,630 |
| Loan loss allowance to noncurrent loans | 77.8033% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 6.1619% | 472 |
| Noncurrent loans to loans | 2.3142% | 2,388 |
| Net loans and leases to total assets | 75.4532% | 2,770 |
| Net loans and leases to deposits | 83.3722% | 4,518 |
| Net loans and leases to core deposits | 143.9514% | 1,094 |
| Total domestic deposits to total assets | 90.5017% | 488 |
| Equity capital to assets | 9.2622% | 4,989 |
| Core capital (leverage) ratio | 9.2788% | 4,326 |
| Tier 1 risk-based capital ratio | 10.6213% | 6,074 |
| Total risk-based capital ratio | 11.8757% | 5,969 |
| Memoranda: | ||
| Average total assets | $135,665,800 | 4,169 |
| Average earning assets | $120,625,000 | 4,244 |
| Average equity | $14,018,600 | 4,335 |
| Average total loans | $105,907,600 | 3,797 |