Home > Central Bank of Georgia > Performance and Condition Ratios
Central Bank of Georgia, Performance and Condition Ratios
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7728% | 3,932 |
| Cost of funding earning assets | 1.3242% | 1,368 |
| Net interest margin | 3.4486% | 5,340 |
| Noninterest income to average assets | -0.0636% | 7,071 |
| Noninterest expense to average assets | 3.5806% | 1,782 |
| Loan and lease loss provision to assets | 4.1582% | 45 |
| Net operating income to assets | -4.9245% | 7,300 |
| Return on assets (ROA) | -4.9044% | 7,302 |
| Pretax return on assets | -4.7871% | 7,305 |
| Return on Equity (ROE) | -179.8161% | 7,343 |
| Retained earnings to average equity (ytd only) | -179.8161% | 7,343 |
| Net charge-offs to loans | 2.4295% | 487 |
| Credit loss provision to net charge-offs | 237.4530% | 1,026 |
| Earnings coverage of net charge-offs (x) | -0.3706% | 6,034 |
| Efficiency ratio | 122.1349% | 292 |
| Assets per employee ($millions) | 4.8923% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2798% | 74 |
| Loan loss allowance to noncurrent loans | 39.8404% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 15.1825% | 111 |
| Noncurrent loans to loans | 15.7623% | 117 |
| Net loans and leases to total assets | 63.0768% | 3,385 |
| Net loans and leases to deposits | 65.9802% | 4,732 |
| Net loans and leases to core deposits | 67.7756% | 5,060 |
| Total domestic deposits to total assets | 95.5996% | 45 |
| Equity capital to assets | 0.4992% | 7,347 |
| Core capital (leverage) ratio | 0.4463% | 7,349 |
| Tier 1 risk-based capital ratio | 0.6594% | 7,349 |
| Total risk-based capital ratio | 1.3189% | 7,349 |
| Memoranda: | ||
| Average total assets | $273,529,000 | 2,313 |
| Average earning assets | $237,573,200 | 2,427 |
| Average equity | $7,460,400 | 5,729 |
| Average total loans | $197,157,000 | 2,064 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8372% | 3,849 |
| Cost of funding earning assets | 1.3423% | 1,494 |
| Net interest margin | 3.4949% | 5,214 |
| Noninterest income to average assets | 0.1695% | 6,376 |
| Noninterest expense to average assets | 3.4641% | 2,041 |
| Loan and lease loss provision to assets | 5.5713% | 19 |
| Net operating income to assets | -5.8368% | 7,395 |
| Return on assets (ROA) | -5.8349% | 7,398 |
| Pretax return on assets | -5.8349% | 7,398 |
| Return on Equity (ROE) | -176.9119% | 7,418 |
| Retained earnings to average equity (ytd only) | -176.9119% | 7,418 |
| Net charge-offs to loans | 3.0472% | 311 |
| Credit loss provision to net charge-offs | 249.4298% | 1,150 |
| Earnings coverage of net charge-offs (x) | -0.1189% | 5,675 |
| Efficiency ratio | 108.3002% | 461 |
| Assets per employee ($millions) | 4.7358% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1572% | 80 |
| Loan loss allowance to noncurrent loans | 39.1515% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 16.3063% | 101 |
| Noncurrent loans to loans | 15.7266% | 123 |
| Net loans and leases to total assets | 67.8442% | 2,509 |
| Net loans and leases to deposits | 71.5246% | 4,060 |
| Net loans and leases to core deposits | 74.0304% | 4,439 |
| Total domestic deposits to total assets | 94.8544% | 57 |
| Equity capital to assets | 1.0943% | 7,419 |
| Core capital (leverage) ratio | 1.0044% | 7,421 |
| Tier 1 risk-based capital ratio | 1.4472% | 7,420 |
| Total risk-based capital ratio | 2.7601% | 7,419 |
| Memoranda: | ||
| Average total assets | $272,196,250 | 2,341 |
| Average earning assets | $235,915,750 | 2,450 |
| Average equity | $8,977,500 | 5,314 |
| Average total loans | $199,525,750 | 2,069 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8915% | 3,663 |
| Cost of funding earning assets | 1.3524% | 1,636 |
| Net interest margin | 3.5390% | 4,977 |
| Noninterest income to average assets | -0.0037% | 7,205 |
| Noninterest expense to average assets | 3.3340% | 2,455 |
| Loan and lease loss provision to assets | 3.8278% | 86 |
| Net operating income to assets | -4.1033% | 7,396 |
| Return on assets (ROA) | -4.1004% | 7,402 |
| Pretax return on assets | -4.1004% | 7,397 |
| Return on Equity (ROE) | -101.8813% | 7,442 |
| Retained earnings to average equity (ytd only) | -101.8813% | 7,440 |
| Net charge-offs to loans | 2.9714% | 348 |
| Credit loss provision to net charge-offs | 174.9498% | 1,726 |
| Earnings coverage of net charge-offs (x) | -0.1259% | 5,362 |
| Efficiency ratio | 109.0081% | 495 |
| Assets per employee ($millions) | 4.3367% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7204% | 505 |
| Loan loss allowance to noncurrent loans | 29.4957% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 14.5551% | 159 |
| Noncurrent loans to loans | 12.6133% | 225 |
| Net loans and leases to total assets | 71.6095% | 1,856 |
| Net loans and leases to deposits | 77.4793% | 3,221 |
| Net loans and leases to core deposits | 80.7015% | 3,691 |
| Total domestic deposits to total assets | 92.4240% | 170 |
| Equity capital to assets | 3.4574% | 7,417 |
| Core capital (leverage) ratio | 3.3563% | 7,412 |
| Tier 1 risk-based capital ratio | 4.6623% | 7,413 |
| Total risk-based capital ratio | 5.9443% | 7,412 |
| Memoranda: | ||
| Average total assets | $272,948,670 | 2,346 |
| Average earning assets | $236,166,330 | 2,465 |
| Average equity | $10,985,330 | 4,804 |
| Average total loans | $200,983,000 | 2,074 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6662% | 4,662 |
| Cost of funding earning assets | 1.3748% | 1,745 |
| Net interest margin | 3.2914% | 5,808 |
| Noninterest income to average assets | -0.4713% | 7,493 |
| Noninterest expense to average assets | 3.1493% | 3,070 |
| Loan and lease loss provision to assets | 7.5989% | 30 |
| Net operating income to assets | -8.3743% | 7,544 |
| Return on assets (ROA) | -8.3743% | 7,544 |
| Pretax return on assets | -8.3743% | 7,540 |
| Return on Equity (ROE) | -194.6577% | 7,537 |
| Retained earnings to average equity (ytd only) | -194.6577% | 7,533 |
| Net charge-offs to loans | 5.8089% | 117 |
| Credit loss provision to net charge-offs | 178.5373% | 1,640 |
| Earnings coverage of net charge-offs (x) | -0.1822% | 4,686 |
| Efficiency ratio | 132.6593% | 244 |
| Assets per employee ($millions) | 4.4373% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7511% | 505 |
| Loan loss allowance to noncurrent loans | 32.3625% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 13.6896% | 188 |
| Noncurrent loans to loans | 11.5910% | 304 |
| Net loans and leases to total assets | 68.8393% | 2,371 |
| Net loans and leases to deposits | 74.1071% | 3,743 |
| Net loans and leases to core deposits | 76.8121% | 4,194 |
| Total domestic deposits to total assets | 92.8917% | 145 |
| Equity capital to assets | 3.2173% | 7,478 |
| Core capital (leverage) ratio | 3.1933% | 7,477 |
| Tier 1 risk-based capital ratio | 4.5466% | 7,474 |
| Total risk-based capital ratio | 5.8286% | 7,474 |
| Memoranda: | ||
| Average total assets | $274,985,500 | 2,350 |
| Average earning assets | $237,709,000 | 2,465 |
| Average equity | $11,830,000 | 4,593 |
| Average total loans | $201,484,500 | 2,096 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0411% | 4,364 |
| Cost of funding earning assets | 1.9590% | 699 |
| Net interest margin | 3.0821% | 6,565 |
| Noninterest income to average assets | 0.0491% | 7,112 |
| Noninterest expense to average assets | 3.5297% | 2,099 |
| Loan and lease loss provision to assets | 0.3792% | 3,844 |
| Net operating income to assets | -1.5753% | 6,930 |
| Return on assets (ROA) | -1.5222% | 6,932 |
| Pretax return on assets | -1.1513% | 6,719 |
| Return on Equity (ROE) | -26.4236% | 7,164 |
| Retained earnings to average equity (ytd only) | -26.4236% | 7,149 |
| Net charge-offs to loans | 0.7174% | 2,865 |
| Credit loss provision to net charge-offs | 73.2951% | 5,781 |
| Earnings coverage of net charge-offs (x) | -1.5953% | 6,683 |
| Efficiency ratio | 130.5132% | 313 |
| Assets per employee ($millions) | 4.2254% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5622% | 1,330 |
| Loan loss allowance to noncurrent loans | 23.1694% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 14.2129% | 189 |
| Noncurrent loans to loans | 11.0585% | 350 |
| Net loans and leases to total assets | 73.1550% | 1,835 |
| Net loans and leases to deposits | 80.7465% | 3,035 |
| Net loans and leases to core deposits | 84.2621% | 3,559 |
| Total domestic deposits to total assets | 90.5984% | 790 |
| Equity capital to assets | 5.4234% | 7,405 |
| Core capital (leverage) ratio | 5.1341% | 7,406 |
| Tier 1 risk-based capital ratio | 7.3402% | 7,397 |
| Total risk-based capital ratio | 8.6070% | 7,400 |
| Memoranda: | ||
| Average total assets | $303,308,600 | 2,134 |
| Average earning assets | $261,312,600 | 2,240 |
| Average equity | $17,473,000 | 3,508 |
| Average total loans | $218,701,800 | 1,981 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0430% | 4,615 |
| Cost of funding earning assets | 2.0165% | 713 |
| Net interest margin | 3.0265% | 6,775 |
| Noninterest income to average assets | 0.2012% | 6,458 |
| Noninterest expense to average assets | 3.3849% | 2,338 |
| Loan and lease loss provision to assets | 0.0642% | 6,422 |
| Net operating income to assets | -0.5652% | 6,642 |
| Return on assets (ROA) | -0.5046% | 6,640 |
| Pretax return on assets | -0.5705% | 6,599 |
| Return on Equity (ROE) | -8.6491% | 6,865 |
| Retained earnings to average equity (ytd only) | -8.6491% | 6,808 |
| Net charge-offs to loans | 0.7462% | 2,559 |
| Credit loss provision to net charge-offs | 12.0385% | 6,319 |
| Earnings coverage of net charge-offs (x) | -1.0787% | 6,455 |
| Efficiency ratio | 120.4722% | 389 |
| Assets per employee ($millions) | 4.4140% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1517% | 1,889 |
| Loan loss allowance to noncurrent loans | 24.5085% | 6,676 |
| Noncurrent assets plus other real estate owned to assets | 12.1520% | 263 |
| Noncurrent loans to loans | 8.7796% | 559 |
| Net loans and leases to total assets | 70.6319% | 2,579 |
| Net loans and leases to deposits | 82.3129% | 3,043 |
| Net loans and leases to core deposits | 89.6675% | 3,145 |
| Total domestic deposits to total assets | 85.8090% | 3,181 |
| Equity capital to assets | 6.2494% | 7,457 |
| Core capital (leverage) ratio | 5.4098% | 7,506 |
| Tier 1 risk-based capital ratio | 7.8822% | 7,490 |
| Total risk-based capital ratio | 9.1430% | 7,493 |
| Memoranda: | ||
| Average total assets | $311,530,000 | 2,118 |
| Average earning assets | $268,509,000 | 2,228 |
| Average equity | $18,174,750 | 3,445 |
| Average total loans | $222,619,750 | 1,977 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1084% | 4,410 |
| Cost of funding earning assets | 2.0445% | 785 |
| Net interest margin | 3.0639% | 6,695 |
| Noninterest income to average assets | 0.4116% | 4,814 |
| Noninterest expense to average assets | 3.3224% | 2,492 |
| Loan and lease loss provision to assets | 0.0943% | 5,968 |
| Net operating income to assets | -0.2394% | 6,399 |
| Return on assets (ROA) | -0.2394% | 6,442 |
| Pretax return on assets | -0.3626% | 6,483 |
| Return on Equity (ROE) | -4.1950% | 6,633 |
| Retained earnings to average equity (ytd only) | -4.1950% | 6,464 |
| Net charge-offs to loans | 0.8848% | 2,064 |
| Credit loss provision to net charge-offs | 14.9551% | 5,898 |
| Earnings coverage of net charge-offs (x) | -0.4257% | 5,992 |
| Efficiency ratio | 108.7860% | 571 |
| Assets per employee ($millions) | 4.8494% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2018% | 1,749 |
| Loan loss allowance to noncurrent loans | 25.9116% | 6,618 |
| Noncurrent assets plus other real estate owned to assets | 10.5282% | 361 |
| Noncurrent loans to loans | 8.4973% | 586 |
| Net loans and leases to total assets | 66.1695% | 3,791 |
| Net loans and leases to deposits | 76.0617% | 4,324 |
| Net loans and leases to core deposits | 103.8686% | 1,656 |
| Total domestic deposits to total assets | 86.9944% | 2,527 |
| Equity capital to assets | 5.6564% | 7,578 |
| Core capital (leverage) ratio | 5.4775% | 7,555 |
| Tier 1 risk-based capital ratio | 8.1920% | 7,510 |
| Total risk-based capital ratio | 9.4537% | 7,519 |
| Memoranda: | ||
| Average total assets | $318,264,670 | 2,086 |
| Average earning assets | $274,489,670 | 2,201 |
| Average equity | $18,164,330 | 3,436 |
| Average total loans | $226,728,330 | 1,969 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2281% | 3,885 |
| Cost of funding earning assets | 2.0238% | 1,016 |
| Net interest margin | 3.2042% | 6,281 |
| Noninterest income to average assets | 0.4500% | 4,465 |
| Noninterest expense to average assets | 3.2694% | 2,636 |
| Loan and lease loss provision to assets | 0.1891% | 4,606 |
| Net operating income to assets | -0.1500% | 6,479 |
| Return on assets (ROA) | -0.1500% | 6,556 |
| Pretax return on assets | -0.2407% | 6,594 |
| Return on Equity (ROE) | -2.6162% | 6,709 |
| Retained earnings to average equity (ytd only) | -2.6162% | 6,313 |
| Net charge-offs to loans | 0.2122% | 3,652 |
| Credit loss provision to net charge-offs | 121.9512% | 2,869 |
| Earnings coverage of net charge-offs (x) | -0.3333% | 5,221 |
| Efficiency ratio | 101.6060% | 795 |
| Assets per employee ($millions) | 4.8199% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4796% | 1,321 |
| Loan loss allowance to noncurrent loans | 27.8927% | 6,539 |
| Noncurrent assets plus other real estate owned to assets | 11.1118% | 324 |
| Noncurrent loans to loans | 8.8899% | 551 |
| Net loans and leases to total assets | 72.0083% | 2,445 |
| Net loans and leases to deposits | 83.2064% | 3,073 |
| Net loans and leases to core deposits | 125.9495% | 585 |
| Total domestic deposits to total assets | 86.5418% | 2,878 |
| Equity capital to assets | 5.8825% | 7,634 |
| Core capital (leverage) ratio | 5.7269% | 7,622 |
| Tier 1 risk-based capital ratio | 8.3561% | 7,574 |
| Total risk-based capital ratio | 9.6240% | 7,586 |
| Memoranda: | ||
| Average total assets | $317,365,500 | 2,144 |
| Average earning assets | $274,136,000 | 2,252 |
| Average equity | $18,194,500 | 3,452 |
| Average total loans | $231,816,500 | 1,984 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5611% | 3,807 |
| Cost of funding earning assets | 2.3268% | 1,553 |
| Net interest margin | 3.2343% | 5,974 |
| Noninterest income to average assets | 0.2986% | 5,962 |
| Noninterest expense to average assets | 3.0159% | 4,091 |
| Loan and lease loss provision to assets | 2.6669% | 716 |
| Net operating income to assets | -1.7939% | 7,010 |
| Return on assets (ROA) | -1.6724% | 6,952 |
| Pretax return on assets | -2.3402% | 7,081 |
| Return on Equity (ROE) | -26.1821% | 7,318 |
| Retained earnings to average equity (ytd only) | -26.1821% | 7,292 |
| Net charge-offs to loans | 2.8044% | 791 |
| Credit loss provision to net charge-offs | 127.1888% | 4,073 |
| Earnings coverage of net charge-offs (x) | 0.0743% | 6,090 |
| Efficiency ratio | 95.0911% | 1,346 |
| Assets per employee ($millions) | 4.8695% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3832% | 1,370 |
| Loan loss allowance to noncurrent loans | 27.2599% | 6,656 |
| Noncurrent assets plus other real estate owned to assets | 9.9961% | 371 |
| Noncurrent loans to loans | 8.7425% | 537 |
| Net loans and leases to total assets | 70.5692% | 3,108 |
| Net loans and leases to deposits | 80.8666% | 3,829 |
| Net loans and leases to core deposits | 102.9664% | 3,690 |
| Total domestic deposits to total assets | 87.2662% | 2,346 |
| Equity capital to assets | 5.5916% | 7,719 |
| Core capital (leverage) ratio | 5.5596% | 7,702 |
| Tier 1 risk-based capital ratio | 7.7494% | 7,677 |
| Total risk-based capital ratio | 9.0145% | 7,683 |
| Memoranda: | ||
| Average total assets | $351,341,000 | 1,932 |
| Average earning assets | $312,096,400 | 1,993 |
| Average equity | $22,442,800 | 2,898 |
| Average total loans | $262,695,600 | 1,812 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8194% | 2,803 |
| Cost of funding earning assets | 2.4104% | 1,601 |
| Net interest margin | 3.4090% | 5,225 |
| Noninterest income to average assets | 0.4071% | 5,230 |
| Noninterest expense to average assets | 2.6982% | 5,336 |
| Loan and lease loss provision to assets | 0.3397% | 4,300 |
| Net operating income to assets | 0.2792% | 4,865 |
| Return on assets (ROA) | 0.4161% | 4,433 |
| Pretax return on assets | 0.6182% | 4,136 |
| Return on Equity (ROE) | 6.3337% | 3,379 |
| Retained earnings to average equity (ytd only) | 6.3337% | 1,800 |
| Net charge-offs to loans | 0.5271% | 3,103 |
| Credit loss provision to net charge-offs | 85.5399% | 5,607 |
| Earnings coverage of net charge-offs (x) | 1.8977% | 4,389 |
| Efficiency ratio | 78.1702% | 3,142 |
| Assets per employee ($millions) | 4.4646% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 4,243 |
| Loan loss allowance to noncurrent loans | 24.9244% | 6,787 |
| Noncurrent assets plus other real estate owned to assets | 7.4964% | 597 |
| Noncurrent loans to loans | 5.3920% | 1,172 |
| Net loans and leases to total assets | 78.0225% | 1,565 |
| Net loans and leases to deposits | 91.6763% | 2,293 |
| Net loans and leases to core deposits | 109.2200% | 3,323 |
| Total domestic deposits to total assets | 85.1065% | 3,172 |
| Equity capital to assets | 7.7474% | 7,102 |
| Core capital (leverage) ratio | 7.3344% | 7,155 |
| Tier 1 risk-based capital ratio | 10.0540% | 6,921 |
| Total risk-based capital ratio | 11.3058% | 6,872 |
| Memoranda: | ||
| Average total assets | $357,612,000 | 1,914 |
| Average earning assets | $319,381,500 | 1,965 |
| Average equity | $23,492,750 | 2,808 |
| Average total loans | $269,405,000 | 1,801 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9275% | 2,466 |
| Cost of funding earning assets | 2.4642% | 1,733 |
| Net interest margin | 3.4633% | 4,954 |
| Noninterest income to average assets | 0.4286% | 5,048 |
| Noninterest expense to average assets | 2.4570% | 6,272 |
| Loan and lease loss provision to assets | 0.3591% | 3,774 |
| Net operating income to assets | 0.4888% | 4,126 |
| Return on assets (ROA) | 0.6214% | 3,693 |
| Pretax return on assets | 0.9110% | 3,301 |
| Return on Equity (ROE) | 9.9882% | 2,027 |
| Retained earnings to average equity (ytd only) | 9.9882% | 738 |
| Net charge-offs to loans | 0.2627% | 3,873 |
| Credit loss provision to net charge-offs | 184.1226% | 2,489 |
| Earnings coverage of net charge-offs (x) | 5.5125% | 2,821 |
| Efficiency ratio | 69.5632% | 4,866 |
| Assets per employee ($millions) | 4.7925% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4739% | 3,330 |
| Loan loss allowance to noncurrent loans | 24.4847% | 6,875 |
| Noncurrent assets plus other real estate owned to assets | 6.9500% | 616 |
| Noncurrent loans to loans | 6.0199% | 907 |
| Net loans and leases to total assets | 73.8856% | 2,734 |
| Net loans and leases to deposits | 85.7183% | 3,597 |
| Net loans and leases to core deposits | 101.1152% | 4,390 |
| Total domestic deposits to total assets | 86.1959% | 2,680 |
| Equity capital to assets | 7.1291% | 7,533 |
| Core capital (leverage) ratio | 6.8187% | 7,644 |
| Tier 1 risk-based capital ratio | 9.6745% | 7,251 |
| Total risk-based capital ratio | 10.9278% | 7,194 |
| Memoranda: | ||
| Average total assets | $368,177,670 | 1,884 |
| Average earning assets | $329,920,000 | 1,917 |
| Average equity | $22,907,000 | 2,871 |
| Average total loans | $273,289,670 | 1,804 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9537% | 2,546 |
| Cost of funding earning assets | 2.4615% | 2,068 |
| Net interest margin | 3.4922% | 4,763 |
| Noninterest income to average assets | 0.3894% | 5,303 |
| Noninterest expense to average assets | 2.3780% | 6,267 |
| Loan and lease loss provision to assets | 0.6732% | 1,876 |
| Net operating income to assets | 0.3290% | 5,168 |
| Return on assets (ROA) | 0.4182% | 4,960 |
| Pretax return on assets | 0.6177% | 4,703 |
| Return on Equity (ROE) | 7.2195% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.2195% | 2,123 |
| Net charge-offs to loans | 0.0650% | 4,558 |
| Credit loss provision to net charge-offs | 1,402.2222% | 452 |
| Earnings coverage of net charge-offs (x) | 24.1556% | 1,248 |
| Efficiency ratio | 67.2195% | 5,099 |
| Assets per employee ($millions) | 5.8601% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 2,875 |
| Loan loss allowance to noncurrent loans | 42.9374% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 3.7980% | 1,389 |
| Noncurrent loans to loans | 3.5352% | 1,793 |
| Net loans and leases to total assets | 67.4553% | 4,255 |
| Net loans and leases to deposits | 76.2348% | 5,188 |
| Net loans and leases to core deposits | 88.4999% | 5,693 |
| Total domestic deposits to total assets | 88.4837% | 1,496 |
| Equity capital to assets | 5.5902% | 8,060 |
| Core capital (leverage) ratio | 6.2172% | 7,966 |
| Tier 1 risk-based capital ratio | 8.3627% | 7,966 |
| Total risk-based capital ratio | 9.6155% | 7,999 |
| Memoranda: | ||
| Average total assets | $374,943,000 | 1,862 |
| Average earning assets | $338,006,000 | 1,882 |
| Average equity | $21,719,000 | 3,014 |
| Average total loans | $276,958,000 | 1,790 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4038% | 487 |
| Cost of funding earning assets | 3.5282% | 480 |
| Net interest margin | 3.8755% | 3,677 |
| Noninterest income to average assets | 0.3923% | 5,538 |
| Noninterest expense to average assets | 3.1356% | 3,561 |
| Loan and lease loss provision to assets | 1.1470% | 1,272 |
| Net operating income to assets | -0.2746% | 6,710 |
| Return on assets (ROA) | -0.2496% | 6,524 |
| Pretax return on assets | -0.3824% | 6,533 |
| Return on Equity (ROE) | -3.6266% | 6,697 |
| Retained earnings to average equity (ytd only) | -12.1671% | 7,256 |
| Net charge-offs to loans | 1.2287% | 982 |
| Credit loss provision to net charge-offs | 114.7580% | 4,706 |
| Earnings coverage of net charge-offs (x) | 0.7265% | 5,786 |
| Efficiency ratio | 81.1980% | 2,410 |
| Assets per employee ($millions) | 4.7991% | 2,177 |
| Cash dividends to net income (ytd only)* | -235.4994% | 8,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 3,735 |
| Loan loss allowance to noncurrent loans | 50.7932% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 3.7191% | 1,160 |
| Noncurrent loans to loans | 2.5719% | 2,106 |
| Net loans and leases to total assets | 79.1056% | 1,864 |
| Net loans and leases to deposits | 91.1036% | 3,272 |
| Net loans and leases to core deposits | 111.6193% | 3,603 |
| Total domestic deposits to total assets | 86.8304% | 2,017 |
| Equity capital to assets | 6.0295% | 8,056 |
| Core capital (leverage) ratio | 6.0142% | 8,077 |
| Tier 1 risk-based capital ratio | 7.9249% | 8,095 |
| Total risk-based capital ratio | 9.1754% | 8,125 |
| Memoranda: | ||
| Average total assets | $332,882,000 | 2,009 |
| Average earning assets | $297,996,600 | 2,056 |
| Average equity | $22,914,200 | 2,860 |
| Average total loans | $270,774,400 | 1,767 |