Home > Bank of Coweta > Performance and Condition Ratios
Bank of Coweta, Performance and Condition Ratios
| 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 | 4.2433% | 7,215 |
| Cost of funding earning assets | 1.3924% | 4,230 |
| Net interest margin | 2.8509% | 7,098 |
| Noninterest income to average assets | -1.4251% | 7,913 |
| Noninterest expense to average assets | 3.0330% | 3,551 |
| Loan and lease loss provision to assets | 7.4758% | 70 |
| Net operating income to assets | -9.9453% | 7,897 |
| Return on assets (ROA) | -9.9453% | 7,897 |
| Pretax return on assets | -9.2911% | 7,885 |
| Return on Equity (ROE) | -108.4970% | 7,839 |
| Retained earnings to average equity (ytd only) | -108.4970% | 7,836 |
| Net charge-offs to loans | 12.5353% | 29 |
| Credit loss provision to net charge-offs | 106.4094% | 3,231 |
| Earnings coverage of net charge-offs (x) | -0.2584% | 5,190 |
| Efficiency ratio | 249.0803% | 62 |
| Assets per employee ($millions) | 5.1076% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7312% | 216 |
| Loan loss allowance to noncurrent loans | 37.2854% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 8.3297% | 583 |
| Noncurrent loans to loans | 12.6892% | 260 |
| Net loans and leases to total assets | 50.2214% | 6,442 |
| Net loans and leases to deposits | 56.8676% | 6,714 |
| Net loans and leases to core deposits | 71.0971% | 5,820 |
| Total domestic deposits to total assets | 88.3128% | 1,897 |
| Equity capital to assets | 9.3892% | 4,690 |
| Core capital (leverage) ratio | 9.5005% | 3,773 |
| Tier 1 risk-based capital ratio | 15.2916% | 2,968 |
| Total risk-based capital ratio | 16.5773% | 2,907 |
| Memoranda: | ||
| Average total assets | $339,336,500 | 2,022 |
| Average earning assets | $314,563,000 | 1,986 |
| Average equity | $31,105,000 | 2,137 |
| Average total loans | $190,183,500 | 2,369 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7821% | 6,985 |
| Cost of funding earning assets | 1.7398% | 4,309 |
| Net interest margin | 3.0424% | 6,537 |
| Noninterest income to average assets | 0.2647% | 6,220 |
| Noninterest expense to average assets | 2.6628% | 5,540 |
| Loan and lease loss provision to assets | 5.0152% | 191 |
| Net operating income to assets | -3.6786% | 7,552 |
| Return on assets (ROA) | -3.6544% | 7,551 |
| Pretax return on assets | -4.5182% | 7,645 |
| Return on Equity (ROE) | -35.8459% | 7,502 |
| Retained earnings to average equity (ytd only) | -35.8459% | 7,488 |
| Net charge-offs to loans | 7.3898% | 101 |
| Credit loss provision to net charge-offs | 105.9108% | 5,232 |
| Earnings coverage of net charge-offs (x) | 0.0987% | 6,059 |
| Efficiency ratio | 85.0724% | 2,217 |
| Assets per employee ($millions) | 5.0218% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0771% | 345 |
| Loan loss allowance to noncurrent loans | 31.1969% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 9.5196% | 409 |
| Noncurrent loans to loans | 13.0690% | 238 |
| Net loans and leases to total assets | 57.0097% | 5,817 |
| Net loans and leases to deposits | 64.2877% | 6,231 |
| Net loans and leases to core deposits | 88.1054% | 5,315 |
| Total domestic deposits to total assets | 88.6790% | 1,637 |
| Equity capital to assets | 8.9398% | 5,232 |
| Core capital (leverage) ratio | 8.2056% | 5,802 |
| Tier 1 risk-based capital ratio | 12.8749% | 4,225 |
| Total risk-based capital ratio | 14.1541% | 4,158 |
| Memoranda: | ||
| Average total assets | $361,916,200 | 1,878 |
| Average earning assets | $340,852,200 | 1,829 |
| Average equity | $36,896,800 | 1,822 |
| Average total loans | $231,914,600 | 2,020 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8323% | 7,041 |
| Cost of funding earning assets | 1.7850% | 4,448 |
| Net interest margin | 3.0472% | 6,470 |
| Noninterest income to average assets | 0.3287% | 5,856 |
| Noninterest expense to average assets | 2.6950% | 5,351 |
| Loan and lease loss provision to assets | 4.7995% | 190 |
| Net operating income to assets | -3.9710% | 7,748 |
| Return on assets (ROA) | -3.9346% | 7,741 |
| Pretax return on assets | -4.2423% | 7,723 |
| Return on Equity (ROE) | -37.5384% | 7,728 |
| Retained earnings to average equity (ytd only) | -37.5384% | 7,721 |
| Net charge-offs to loans | 7.4857% | 94 |
| Credit loss provision to net charge-offs | 98.4260% | 5,198 |
| Earnings coverage of net charge-offs (x) | 0.1062% | 5,930 |
| Efficiency ratio | 83.8761% | 2,315 |
| Assets per employee ($millions) | 4.9927% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2164% | 552 |
| Loan loss allowance to noncurrent loans | 31.8370% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 6.8096% | 717 |
| Noncurrent loans to loans | 10.1029% | 390 |
| Net loans and leases to total assets | 59.6566% | 5,636 |
| Net loans and leases to deposits | 67.4159% | 6,179 |
| Net loans and leases to core deposits | 93.2663% | 5,101 |
| Total domestic deposits to total assets | 88.4904% | 1,440 |
| Equity capital to assets | 9.0895% | 5,357 |
| Core capital (leverage) ratio | 8.6922% | 5,141 |
| Tier 1 risk-based capital ratio | 12.9458% | 4,228 |
| Total risk-based capital ratio | 14.2164% | 4,147 |
| Memoranda: | ||
| Average total assets | $368,279,750 | 1,859 |
| Average earning assets | $348,593,250 | 1,801 |
| Average equity | $38,601,250 | 1,756 |
| Average total loans | $239,901,000 | 1,975 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9250% | 6,976 |
| Cost of funding earning assets | 1.8557% | 4,484 |
| Net interest margin | 3.0693% | 6,338 |
| Noninterest income to average assets | 0.3113% | 6,016 |
| Noninterest expense to average assets | 2.7089% | 5,353 |
| Loan and lease loss provision to assets | 4.9378% | 215 |
| Net operating income to assets | -2.6822% | 7,607 |
| Return on assets (ROA) | -2.6822% | 7,597 |
| Pretax return on assets | -4.4331% | 7,801 |
| Return on Equity (ROE) | -24.5748% | 7,619 |
| Retained earnings to average equity (ytd only) | -24.5748% | 7,585 |
| Net charge-offs to loans | 6.5734% | 151 |
| Credit loss provision to net charge-offs | 113.4184% | 4,087 |
| Earnings coverage of net charge-offs (x) | 0.1159% | 5,554 |
| Efficiency ratio | 84.2971% | 2,446 |
| Assets per employee ($millions) | 5.1593% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5401% | 365 |
| Loan loss allowance to noncurrent loans | 32.8611% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 7.2891% | 564 |
| Noncurrent loans to loans | 10.7730% | 294 |
| Net loans and leases to total assets | 62.1297% | 5,340 |
| Net loans and leases to deposits | 71.3358% | 5,832 |
| Net loans and leases to core deposits | 98.1922% | 4,680 |
| Total domestic deposits to total assets | 87.0947% | 2,204 |
| Equity capital to assets | 10.3989% | 3,518 |
| Core capital (leverage) ratio | 9.0299% | 4,580 |
| Tier 1 risk-based capital ratio | 12.9370% | 4,193 |
| Total risk-based capital ratio | 14.2122% | 4,091 |
| Memoranda: | ||
| Average total assets | $374,542,330 | 1,863 |
| Average earning assets | $354,150,330 | 1,796 |
| Average equity | $40,879,330 | 1,659 |
| Average total loans | $248,060,000 | 1,959 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0335% | 6,850 |
| Cost of funding earning assets | 1.9362% | 4,456 |
| Net interest margin | 3.0973% | 6,206 |
| Noninterest income to average assets | 0.1584% | 7,175 |
| Noninterest expense to average assets | 2.4667% | 5,971 |
| Loan and lease loss provision to assets | 1.7553% | 708 |
| Net operating income to assets | -0.6558% | 7,013 |
| Return on assets (ROA) | -0.6558% | 7,051 |
| Pretax return on assets | -1.1248% | 7,209 |
| Return on Equity (ROE) | -5.8767% | 7,053 |
| Retained earnings to average equity (ytd only) | -5.8767% | 6,668 |
| Net charge-offs to loans | 1.6530% | 877 |
| Credit loss provision to net charge-offs | 158.2781% | 2,669 |
| Earnings coverage of net charge-offs (x) | 0.5686% | 4,537 |
| Efficiency ratio | 79.6409% | 2,876 |
| Assets per employee ($millions) | 4.9391% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1016% | 448 |
| Loan loss allowance to noncurrent loans | 54.0557% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 4.3358% | 1,129 |
| Noncurrent loans to loans | 5.7377% | 856 |
| Net loans and leases to total assets | 65.4223% | 4,722 |
| Net loans and leases to deposits | 76.0812% | 5,214 |
| Net loans and leases to core deposits | 104.0822% | 4,132 |
| Total domestic deposits to total assets | 85.9900% | 2,734 |
| Equity capital to assets | 11.3873% | 2,663 |
| Core capital (leverage) ratio | 10.0112% | 3,398 |
| Tier 1 risk-based capital ratio | 13.8781% | 3,651 |
| Total risk-based capital ratio | 15.1481% | 3,575 |
| Memoranda: | ||
| Average total assets | $381,236,500 | 1,838 |
| Average earning assets | $361,736,500 | 1,784 |
| Average equity | $42,541,000 | 1,607 |
| Average total loans | $255,780,500 | 1,927 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0041% | 5,529 |
| Cost of funding earning assets | 2.8522% | 2,472 |
| Net interest margin | 3.1519% | 6,517 |
| Noninterest income to average assets | -0.5977% | 8,280 |
| Noninterest expense to average assets | 2.4209% | 6,325 |
| Loan and lease loss provision to assets | 2.6690% | 375 |
| Net operating income to assets | -1.6698% | 7,523 |
| Return on assets (ROA) | -1.6698% | 7,474 |
| Pretax return on assets | -2.7804% | 7,656 |
| Return on Equity (ROE) | -18.8006% | 7,734 |
| Retained earnings to average equity (ytd only) | -21.1687% | 7,708 |
| Net charge-offs to loans | 2.8154% | 331 |
| Credit loss provision to net charge-offs | 124.7790% | 4,287 |
| Earnings coverage of net charge-offs (x) | -0.0521% | 6,283 |
| Efficiency ratio | 104.8246% | 842 |
| Assets per employee ($millions) | 5.0262% | 1,926 |
| Cash dividends to net income (ytd only)* | -12.5957% | 7,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7312% | 550 |
| Loan loss allowance to noncurrent loans | 75.1052% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 2.7841% | 1,686 |
| Noncurrent loans to loans | 3.6365% | 1,391 |
| Net loans and leases to total assets | 64.8703% | 5,090 |
| Net loans and leases to deposits | 79.5563% | 5,121 |
| Net loans and leases to core deposits | 111.0165% | 3,681 |
| Total domestic deposits to total assets | 81.5401% | 4,392 |
| Equity capital to assets | 10.9426% | 3,086 |
| Core capital (leverage) ratio | 10.4514% | 3,018 |
| Tier 1 risk-based capital ratio | 14.6805% | 3,215 |
| Total risk-based capital ratio | 15.9462% | 3,123 |
| Memoranda: | ||
| Average total assets | $391,304,800 | 1,730 |
| Average earning assets | $360,920,400 | 1,721 |
| Average equity | $34,754,200 | 1,950 |
| Average total loans | $297,295,800 | 1,622 |