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Arrowhead Community Bank, Performance and Condition Ratios
| 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 | 4.8690% | 6,960 |
| Cost of funding earning assets | 1.6736% | 5,041 |
| Net interest margin | 3.1954% | 6,039 |
| Noninterest income to average assets | 0.7552% | 2,682 |
| Noninterest expense to average assets | 4.3236% | 882 |
| Loan and lease loss provision to assets | 11.5723% | 14 |
| Net operating income to assets | -13.2884% | 8,068 |
| Return on assets (ROA) | -13.6369% | 8,070 |
| Pretax return on assets | -12.6921% | 8,063 |
| Return on Equity (ROE) | -193.2186% | 8,072 |
| Retained earnings to average equity (ytd only) | -193.2186% | 8,072 |
| Net charge-offs to loans | 10.9175% | 38 |
| Credit loss provision to net charge-offs | 144.1171% | 3,386 |
| Earnings coverage of net charge-offs (x) | -0.0961% | 6,174 |
| Efficiency ratio | 121.7153% | 566 |
| Assets per employee ($millions) | 5.1484% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4842% | 26 |
| Loan loss allowance to noncurrent loans | 64.5303% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 13.5900% | 162 |
| Noncurrent loans to loans | 13.1476% | 215 |
| Net loans and leases to total assets | 63.7065% | 4,924 |
| Net loans and leases to deposits | 68.5782% | 6,078 |
| Net loans and leases to core deposits | 95.2066% | 4,908 |
| Total domestic deposits to total assets | 92.8962% | 91 |
| Equity capital to assets | 5.5771% | 7,911 |
| Core capital (leverage) ratio | 4.5508% | 7,952 |
| Tier 1 risk-based capital ratio | 6.6870% | 7,923 |
| Total risk-based capital ratio | 8.0240% | 7,922 |
| Memoranda: | ||
| Average total assets | $82,275,000 | 5,682 |
| Average earning assets | $72,018,000 | 5,786 |
| Average equity | $5,806,750 | 6,733 |
| Average total loans | $60,512,750 | 5,259 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9858% | 6,819 |
| Cost of funding earning assets | 1.6874% | 5,334 |
| Net interest margin | 3.2984% | 5,563 |
| Noninterest income to average assets | -0.7361% | 8,147 |
| Noninterest expense to average assets | 4.2140% | 1,054 |
| Loan and lease loss provision to assets | 14.1571% | 14 |
| Net operating income to assets | -9.9717% | 8,122 |
| Return on assets (ROA) | -9.9717% | 8,118 |
| Pretax return on assets | -16.2295% | 8,161 |
| Return on Equity (ROE) | -132.7483% | 8,114 |
| Retained earnings to average equity (ytd only) | -132.7483% | 8,112 |
| Net charge-offs to loans | 12.7366% | 34 |
| Credit loss provision to net charge-offs | 148.6865% | 3,107 |
| Earnings coverage of net charge-offs (x) | -0.2177% | 5,899 |
| Efficiency ratio | 196.7742% | 206 |
| Assets per employee ($millions) | 5.2449% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6257% | 37 |
| Loan loss allowance to noncurrent loans | 69.0366% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 10.4900% | 254 |
| Noncurrent loans to loans | 11.0458% | 274 |
| Net loans and leases to total assets | 62.3740% | 5,291 |
| Net loans and leases to deposits | 69.7386% | 6,013 |
| Net loans and leases to core deposits | 88.8962% | 5,645 |
| Total domestic deposits to total assets | 89.4397% | 1,070 |
| Equity capital to assets | 9.1315% | 5,120 |
| Core capital (leverage) ratio | 5.1325% | 8,016 |
| Tier 1 risk-based capital ratio | 6.7833% | 8,023 |
| Total risk-based capital ratio | 8.1065% | 8,029 |
| Memoranda: | ||
| Average total assets | $83,958,000 | 5,655 |
| Average earning assets | $73,248,330 | 5,779 |
| Average equity | $6,306,670 | 6,607 |
| Average total loans | $62,764,000 | 5,222 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0559% | 6,773 |
| Cost of funding earning assets | 1.5829% | 6,102 |
| Net interest margin | 3.4729% | 4,840 |
| Noninterest income to average assets | 0.8764% | 1,947 |
| Noninterest expense to average assets | 4.4202% | 770 |
| Loan and lease loss provision to assets | 19.5146% | 9 |
| Net operating income to assets | -12.7129% | 8,192 |
| Return on assets (ROA) | -12.7129% | 8,184 |
| Pretax return on assets | -19.9338% | 8,212 |
| Return on Equity (ROE) | -189.6775% | 8,192 |
| Retained earnings to average equity (ytd only) | -189.6775% | 8,190 |
| Net charge-offs to loans | 14.6777% | 28 |
| Credit loss provision to net charge-offs | 169.6480% | 2,526 |
| Earnings coverage of net charge-offs (x) | -0.0364% | 5,013 |
| Efficiency ratio | 110.4762% | 797 |
| Assets per employee ($millions) | 4.5881% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5287% | 52 |
| Loan loss allowance to noncurrent loans | 70.8523% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 9.2884% | 261 |
| Noncurrent loans to loans | 9.2145% | 341 |
| Net loans and leases to total assets | 66.6307% | 4,431 |
| Net loans and leases to deposits | 73.9434% | 5,487 |
| Net loans and leases to core deposits | 107.8866% | 3,699 |
| Total domestic deposits to total assets | 90.1105% | 745 |
| Equity capital to assets | 5.1507% | 8,108 |
| Core capital (leverage) ratio | 4.7229% | 8,140 |
| Tier 1 risk-based capital ratio | 6.1517% | 8,137 |
| Total risk-based capital ratio | 7.4636% | 8,137 |
| Memoranda: | ||
| Average total assets | $83,978,000 | 5,671 |
| Average earning assets | $75,555,500 | 5,710 |
| Average equity | $5,628,500 | 6,906 |
| Average total loans | $65,814,000 | 5,138 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7687% | 1,795 |
| Cost of funding earning assets | 2.2155% | 5,529 |
| Net interest margin | 4.5531% | 1,305 |
| Noninterest income to average assets | 0.5533% | 4,202 |
| Noninterest expense to average assets | 4.0356% | 1,363 |
| Loan and lease loss provision to assets | 5.2167% | 94 |
| Net operating income to assets | -2.7813% | 7,774 |
| Return on assets (ROA) | -2.7813% | 7,747 |
| Pretax return on assets | -4.5110% | 7,964 |
| Return on Equity (ROE) | -31.2919% | 7,979 |
| Retained earnings to average equity (ytd only) | -33.4828% | 7,967 |
| Net charge-offs to loans | 3.8120% | 186 |
| Credit loss provision to net charge-offs | 151.9520% | 3,450 |
| Earnings coverage of net charge-offs (x) | 0.2055% | 6,110 |
| Efficiency ratio | 85.1172% | 1,939 |
| Assets per employee ($millions) | 3.6720% | 4,231 |
| Cash dividends to net income (ytd only)* | -7.0016% | 7,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4179% | 301 |
| Loan loss allowance to noncurrent loans | 30.9688% | 6,663 |
| Noncurrent assets plus other real estate owned to assets | 10.9924% | 128 |
| Noncurrent loans to loans | 11.0366% | 169 |
| Net loans and leases to total assets | 83.0769% | 1,034 |
| Net loans and leases to deposits | 98.8686% | 1,999 |
| Net loans and leases to core deposits | 135.5880% | 1,511 |
| Total domestic deposits to total assets | 84.0276% | 3,309 |
| Equity capital to assets | 8.3768% | 6,303 |
| Core capital (leverage) ratio | 7.5767% | 7,110 |
| Tier 1 risk-based capital ratio | 8.5205% | 7,985 |
| Total risk-based capital ratio | 9.7955% | 8,039 |
| Memoranda: | ||
| Average total assets | $87,297,400 | 5,441 |
| Average earning assets | $80,296,200 | 5,423 |
| Average equity | $7,759,200 | 6,184 |
| Average total loans | $78,619,200 | 4,566 |