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Georgian 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 | 4.5978% | 7,535 |
| Cost of funding earning assets | 2.8077% | 774 |
| Net interest margin | 1.7901% | 7,945 |
| Noninterest income to average assets | -0.1923% | 8,067 |
| Noninterest expense to average assets | 1.8503% | 7,681 |
| Loan and lease loss provision to assets | 4.9980% | 204 |
| Net operating income to assets | -4.0059% | 7,830 |
| Return on assets (ROA) | -4.0059% | 7,825 |
| Pretax return on assets | -5.3997% | 7,911 |
| Return on Equity (ROE) | -52.2411% | 7,928 |
| Retained earnings to average equity (ytd only) | -52.8214% | 7,927 |
| Net charge-offs to loans | 2.7796% | 600 |
| Credit loss provision to net charge-offs | 217.6309% | 2,116 |
| Earnings coverage of net charge-offs (x) | -0.1749% | 5,864 |
| Efficiency ratio | 127.7290% | 542 |
| Assets per employee ($millions) | 12.0553% | 166 |
| Cash dividends to net income (ytd only)* | -1.1107% | 7,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8704% | 635 |
| Loan loss allowance to noncurrent loans | 16.6870% | 7,302 |
| Noncurrent assets plus other real estate owned to assets | 17.1915% | 72 |
| Noncurrent loans to loans | 17.2012% | 91 |
| Net loans and leases to total assets | 79.4662% | 1,411 |
| Net loans and leases to deposits | 90.4168% | 2,762 |
| Net loans and leases to core deposits | 103.7547% | 4,089 |
| Total domestic deposits to total assets | 87.8888% | 1,822 |
| Equity capital to assets | 6.4918% | 7,821 |
| Core capital (leverage) ratio | 6.2997% | 7,856 |
| Tier 1 risk-based capital ratio | 7.3229% | 7,976 |
| Total risk-based capital ratio | 8.5911% | 7,985 |
| Memoranda: | ||
| Average total assets | $2,247,468,670 | 339 |
| Average earning assets | $2,060,191,330 | 336 |
| Average equity | $172,339,330 | 413 |
| Average total loans | $1,856,852,670 | 304 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 7,159 |
| Cost of funding earning assets | 2.8853% | 797 |
| Net interest margin | 2.0216% | 7,886 |
| Noninterest income to average assets | 0.0911% | 7,596 |
| Noninterest expense to average assets | 1.7251% | 7,795 |
| Loan and lease loss provision to assets | 2.6442% | 425 |
| Net operating income to assets | -1.4803% | 7,490 |
| Return on assets (ROA) | -1.4803% | 7,500 |
| Pretax return on assets | -2.4283% | 7,649 |
| Return on Equity (ROE) | -17.9435% | 7,707 |
| Retained earnings to average equity (ytd only) | -19.0181% | 7,618 |
| Net charge-offs to loans | 0.8649% | 1,510 |
| Credit loss provision to net charge-offs | 368.2469% | 1,387 |
| Earnings coverage of net charge-offs (x) | 0.3007% | 4,737 |
| Efficiency ratio | 88.8747% | 1,819 |
| Assets per employee ($millions) | 11.9481% | 174 |
| Cash dividends to net income (ytd only)* | -5.9887% | 8,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7708% | 1,929 |
| Loan loss allowance to noncurrent loans | 65.2828% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 5.1342% | 869 |
| Noncurrent loans to loans | 2.7125% | 2,420 |
| Net loans and leases to total assets | 80.3446% | 1,323 |
| Net loans and leases to deposits | 92.9340% | 2,447 |
| Net loans and leases to core deposits | 99.2628% | 4,615 |
| Total domestic deposits to total assets | 86.4534% | 2,476 |
| Equity capital to assets | 8.0289% | 6,764 |
| Core capital (leverage) ratio | 7.9623% | 6,529 |
| Tier 1 risk-based capital ratio | 8.9576% | 7,815 |
| Total risk-based capital ratio | 10.2127% | 7,848 |
| Memoranda: | ||
| Average total assets | $2,256,088,000 | 336 |
| Average earning assets | $2,064,508,500 | 337 |
| Average equity | $186,117,500 | 385 |
| Average total loans | $1,872,952,000 | 298 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9566% | 5,778 |
| Cost of funding earning assets | 3.3423% | 826 |
| Net interest margin | 2.6143% | 7,627 |
| Noninterest income to average assets | -0.0420% | 8,180 |
| Noninterest expense to average assets | 1.7267% | 7,843 |
| Loan and lease loss provision to assets | 0.4087% | 3,237 |
| Net operating income to assets | 0.1590% | 5,962 |
| Return on assets (ROA) | 0.1903% | 5,698 |
| Pretax return on assets | 0.3102% | 5,490 |
| Return on Equity (ROE) | 2.1453% | 5,562 |
| Retained earnings to average equity (ytd only) | 0.5873% | 4,889 |
| Net charge-offs to loans | 0.2160% | 4,051 |
| Credit loss provision to net charge-offs | 221.6154% | 2,161 |
| Earnings coverage of net charge-offs (x) | 3.6335% | 4,279 |
| Efficiency ratio | 72.0425% | 3,928 |
| Assets per employee ($millions) | 11.8001% | 168 |
| Cash dividends to net income (ytd only)* | 72.6243% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 4,812 |
| Loan loss allowance to noncurrent loans | 33.1377% | 6,511 |
| Noncurrent assets plus other real estate owned to assets | 4.8734% | 725 |
| Noncurrent loans to loans | 3.5171% | 1,437 |
| Net loans and leases to total assets | 83.2757% | 1,001 |
| Net loans and leases to deposits | 97.1619% | 2,263 |
| Net loans and leases to core deposits | 103.6372% | 4,431 |
| Total domestic deposits to total assets | 85.7082% | 2,532 |
| Equity capital to assets | 8.4730% | 6,133 |
| Core capital (leverage) ratio | 8.4697% | 5,624 |
| Tier 1 risk-based capital ratio | 9.3551% | 7,456 |
| Total risk-based capital ratio | 10.4637% | 7,548 |
| Memoranda: | ||
| Average total assets | $2,134,784,800 | 340 |
| Average earning assets | $1,991,455,200 | 333 |
| Average equity | $189,344,400 | 388 |
| Average total loans | $1,822,953,200 | 297 |