Home > Bank of Gower > Performance and Condition Ratios
Bank of Gower, 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 | 5.5030% | 4,610 |
| Cost of funding earning assets | 2.2032% | 2,775 |
| Net interest margin | 3.2997% | 5,552 |
| Noninterest income to average assets | 0.1404% | 7,253 |
| Noninterest expense to average assets | 1.8472% | 7,689 |
| Loan and lease loss provision to assets | 0.0815% | 6,370 |
| Net operating income to assets | 1.1274% | 1,674 |
| Return on assets (ROA) | 1.1274% | 1,757 |
| Pretax return on assets | 1.1274% | 2,547 |
| Return on Equity (ROE) | 7.5565% | 2,946 |
| Retained earnings to average equity (ytd only) | 0.4249% | 5,048 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0000% | 7,754 |
| Assets per employee ($millions) | 7.6047% | 587 |
| Cash dividends to net income (ytd only)* | 94.3775% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 3,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 45.9762% | 7,194 |
| Net loans and leases to deposits | 61.9515% | 6,733 |
| Net loans and leases to core deposits | 77.5699% | 6,570 |
| Total domestic deposits to total assets | 74.2132% | 6,923 |
| Equity capital to assets | 14.7431% | 1,097 |
| Core capital (leverage) ratio | 8.0387% | 6,257 |
| Tier 1 risk-based capital ratio | 11.7064% | 5,192 |
| Total risk-based capital ratio | 12.8217% | 5,242 |
| Memoranda: | ||
| Average total assets | $44,174,330 | 7,049 |
| Average earning assets | $39,033,330 | 7,089 |
| Average equity | $6,590,330 | 6,503 |
| Average total loans | $22,054,330 | 7,211 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4532% | 5,167 |
| Cost of funding earning assets | 2.3252% | 2,598 |
| Net interest margin | 3.1281% | 6,111 |
| Noninterest income to average assets | 0.2210% | 6,706 |
| Noninterest expense to average assets | 1.8229% | 7,672 |
| Loan and lease loss provision to assets | 0.0829% | 5,900 |
| Net operating income to assets | 1.0772% | 2,040 |
| Return on assets (ROA) | 1.0772% | 2,174 |
| Pretax return on assets | 1.0772% | 3,071 |
| Return on Equity (ROE) | 7.1757% | 3,520 |
| Retained earnings to average equity (ytd only) | 1.3493% | 5,094 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1852% | 6,379 |
| Assets per employee ($millions) | 8.8994% | 366 |
| Cash dividends to net income (ytd only)* | 81.1966% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 3,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 52.8732% | 6,593 |
| Net loans and leases to deposits | 71.7462% | 5,777 |
| Net loans and leases to core deposits | 92.4041% | 5,315 |
| Total domestic deposits to total assets | 73.6949% | 6,936 |
| Equity capital to assets | 15.0010% | 1,103 |
| Core capital (leverage) ratio | 8.2343% | 6,023 |
| Tier 1 risk-based capital ratio | 10.8863% | 6,005 |
| Total risk-based capital ratio | 11.9144% | 6,135 |
| Memoranda: | ||
| Average total assets | $43,447,500 | 7,118 |
| Average earning assets | $38,362,500 | 7,152 |
| Average equity | $6,522,000 | 6,578 |
| Average total loans | $22,430,000 | 7,223 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9394% | 8,261 |
| Cost of funding earning assets | 0.4064% | 8,204 |
| Net interest margin | 0.5331% | 8,260 |
| Noninterest income to average assets | 0.0390% | 7,939 |
| Noninterest expense to average assets | 0.3146% | 8,275 |
| Loan and lease loss provision to assets | 0.0098% | 7,248 |
| Net operating income to assets | 0.2073% | 5,829 |
| Return on assets (ROA) | 0.2073% | 5,646 |
| Pretax return on assets | 0.2073% | 5,715 |
| Return on Equity (ROE) | 1.9932% | 5,624 |
| Retained earnings to average equity (ytd only) | 0.2345% | 5,089 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2569% | 6,651 |
| Assets per employee ($millions) | 8.4796% | 403 |
| Cash dividends to net income (ytd only)* | 88.2353% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 2,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 48.8466% | 7,120 |
| Net loans and leases to deposits | 68.6603% | 6,400 |
| Net loans and leases to core deposits | 88.6786% | 5,919 |
| Total domestic deposits to total assets | 71.1425% | 7,139 |
| Equity capital to assets | 15.0219% | 1,156 |
| Core capital (leverage) ratio | 8.8184% | 5,010 |
| Tier 1 risk-based capital ratio | 11.9639% | 4,849 |
| Total risk-based capital ratio | 13.0816% | 4,860 |
| Memoranda: | ||
| Average total assets | $41,010,600 | 7,169 |
| Average earning assets | $37,895,000 | 7,149 |
| Average equity | $4,264,400 | 7,409 |
| Average total loans | $20,315,400 | 7,314 |