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Affinity 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 | 5.6587% | 3,776 |
| Cost of funding earning assets | 3.5418% | 96 |
| Net interest margin | 2.1169% | 7,799 |
| Noninterest income to average assets | -1.0537% | 8,158 |
| Noninterest expense to average assets | 2.8063% | 4,936 |
| Loan and lease loss provision to assets | 4.9128% | 219 |
| Net operating income to assets | -6.7591% | 8,036 |
| Return on assets (ROA) | -6.7456% | 8,029 |
| Pretax return on assets | -6.7456% | 8,006 |
| Return on Equity (ROE) | -246.7786% | 8,159 |
| Retained earnings to average equity (ytd only) | -246.7786% | 8,159 |
| Net charge-offs to loans | 7.3183% | 121 |
| Credit loss provision to net charge-offs | 93.4222% | 4,815 |
| Earnings coverage of net charge-offs (x) | -0.3511% | 5,993 |
| Efficiency ratio | 291.7787% | 84 |
| Assets per employee ($millions) | 8.2410% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1967% | 1,251 |
| Loan loss allowance to noncurrent loans | 20.3144% | 7,113 |
| Noncurrent assets plus other real estate owned to assets | 10.3242% | 269 |
| Noncurrent loans to loans | 10.8136% | 292 |
| Net loans and leases to total assets | 67.0612% | 4,347 |
| Net loans and leases to deposits | 89.7092% | 2,874 |
| Net loans and leases to core deposits | 126.0352% | 1,870 |
| Total domestic deposits to total assets | 74.7540% | 6,812 |
| Equity capital to assets | 0.6775% | 8,165 |
| Core capital (leverage) ratio | 1.4860% | 8,156 |
| Tier 1 risk-based capital ratio | 2.1157% | 8,152 |
| Total risk-based capital ratio | 3.3763% | 8,153 |
| Memoranda: | ||
| Average total assets | $1,224,030,000 | 577 |
| Average earning assets | $1,164,321,670 | 552 |
| Average equity | $33,458,330 | 2,034 |
| Average total loans | $879,547,000 | 568 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1098% | 1,911 |
| Cost of funding earning assets | 3.5771% | 122 |
| Net interest margin | 2.5328% | 7,460 |
| Noninterest income to average assets | 0.1057% | 7,509 |
| Noninterest expense to average assets | 2.5102% | 5,800 |
| Loan and lease loss provision to assets | 1.3024% | 989 |
| Net operating income to assets | -1.2878% | 7,409 |
| Return on assets (ROA) | -1.2608% | 7,412 |
| Pretax return on assets | -1.2608% | 7,279 |
| Return on Equity (ROE) | -33.6606% | 7,932 |
| Retained earnings to average equity (ytd only) | -33.6606% | 7,893 |
| Net charge-offs to loans | 1.7212% | 842 |
| Credit loss provision to net charge-offs | 102.9820% | 3,643 |
| Earnings coverage of net charge-offs (x) | 0.0116% | 4,968 |
| Efficiency ratio | 98.9956% | 1,175 |
| Assets per employee ($millions) | 8.3609% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3001% | 948 |
| Loan loss allowance to noncurrent loans | 29.1975% | 6,606 |
| Noncurrent assets plus other real estate owned to assets | 8.1389% | 357 |
| Noncurrent loans to loans | 7.8778% | 458 |
| Net loans and leases to total assets | 70.7783% | 3,521 |
| Net loans and leases to deposits | 100.3258% | 1,369 |
| Net loans and leases to core deposits | 139.3743% | 1,133 |
| Total domestic deposits to total assets | 70.5484% | 7,379 |
| Equity capital to assets | 3.6504% | 8,179 |
| Core capital (leverage) ratio | 4.4392% | 8,153 |
| Tier 1 risk-based capital ratio | 6.1136% | 8,138 |
| Total risk-based capital ratio | 7.3759% | 8,142 |
| Memoranda: | ||
| Average total assets | $1,230,329,500 | 575 |
| Average earning assets | $1,175,155,000 | 548 |
| Average equity | $46,083,500 | 1,500 |
| Average total loans | $903,997,000 | 559 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8014% | 1,670 |
| Cost of funding earning assets | 4.2248% | 43 |
| Net interest margin | 2.5766% | 7,665 |
| Noninterest income to average assets | -0.1377% | 8,211 |
| Noninterest expense to average assets | 2.3909% | 6,426 |
| Loan and lease loss provision to assets | 3.0365% | 300 |
| Net operating income to assets | -3.1518% | 7,858 |
| Return on assets (ROA) | -3.1488% | 7,830 |
| Pretax return on assets | -3.1304% | 7,740 |
| Return on Equity (ROE) | -51.0107% | 8,160 |
| Retained earnings to average equity (ytd only) | -51.0107% | 8,142 |
| Net charge-offs to loans | 3.1144% | 280 |
| Credit loss provision to net charge-offs | 131.6990% | 4,045 |
| Earnings coverage of net charge-offs (x) | -0.0420% | 6,275 |
| Efficiency ratio | 103.2024% | 887 |
| Assets per employee ($millions) | 7.4643% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2192% | 930 |
| Loan loss allowance to noncurrent loans | 24.8912% | 7,012 |
| Noncurrent assets plus other real estate owned to assets | 7.6469% | 316 |
| Noncurrent loans to loans | 8.9158% | 273 |
| Net loans and leases to total assets | 72.8518% | 3,399 |
| Net loans and leases to deposits | 103.4494% | 1,406 |
| Net loans and leases to core deposits | 143.5790% | 1,110 |
| Total domestic deposits to total assets | 70.4227% | 7,231 |
| Equity capital to assets | 3.8406% | 8,252 |
| Core capital (leverage) ratio | 4.7406% | 8,229 |
| Tier 1 risk-based capital ratio | 6.4158% | 8,211 |
| Total risk-based capital ratio | 7.6775% | 8,215 |
| Memoranda: | ||
| Average total assets | $1,212,828,200 | 552 |
| Average earning assets | $1,144,627,200 | 534 |
| Average equity | $74,866,600 | 886 |
| Average total loans | $897,872,200 | 543 |