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Champion Bank, 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 | 4.6268% | 6,481 |
| Cost of funding earning assets | 2.7907% | 90 |
| Net interest margin | 1.8361% | 7,767 |
| Noninterest income to average assets | 0.6394% | 3,000 |
| Noninterest expense to average assets | 3.3664% | 2,320 |
| Loan and lease loss provision to assets | 1.0030% | 1,245 |
| Net operating income to assets | -2.1022% | 7,485 |
| Return on assets (ROA) | -1.5986% | 7,363 |
| Pretax return on assets | -1.5986% | 7,289 |
| Return on Equity (ROE) | -76.8362% | 7,787 |
| Retained earnings to average equity (ytd only) | -76.8362% | 7,782 |
| Net charge-offs to loans | -0.0943% | 7,509 |
| Credit loss provision to net charge-offs | -1,454.5455% | 6,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.4793% | 218 |
| Assets per employee ($millions) | 6.7417% | 892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8229% | 108 |
| Loan loss allowance to noncurrent loans | 20.6065% | 6,977 |
| Noncurrent assets plus other real estate owned to assets | 24.8683% | 26 |
| Noncurrent loans to loans | 28.2574% | 27 |
| Net loans and leases to total assets | 66.3874% | 3,775 |
| Net loans and leases to deposits | 79.7182% | 3,709 |
| Net loans and leases to core deposits | 84.4128% | 4,151 |
| Total domestic deposits to total assets | 83.2776% | 4,486 |
| Equity capital to assets | 1.7743% | 7,890 |
| Core capital (leverage) ratio | 1.8005% | 7,888 |
| Tier 1 risk-based capital ratio | 2.2714% | 7,893 |
| Total risk-based capital ratio | 3.5703% | 7,893 |
| Memoranda: | ||
| Average total assets | $191,423,000 | 3,347 |
| Average earning assets | $169,708,000 | 3,405 |
| Average equity | $3,982,500 | 7,198 |
| Average total loans | $140,026,000 | 3,079 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1698% | 5,787 |
| Cost of funding earning assets | 3.3182% | 88 |
| Net interest margin | 1.8516% | 7,794 |
| Noninterest income to average assets | 0.0969% | 7,284 |
| Noninterest expense to average assets | 3.4396% | 2,556 |
| Loan and lease loss provision to assets | 6.8225% | 71 |
| Net operating income to assets | -8.4895% | 7,945 |
| Return on assets (ROA) | -8.3973% | 7,940 |
| Pretax return on assets | -8.3973% | 7,928 |
| Return on Equity (ROE) | -129.2743% | 7,976 |
| Retained earnings to average equity (ytd only) | -129.2743% | 7,976 |
| Net charge-offs to loans | 7.1006% | 114 |
| Credit loss provision to net charge-offs | 122.1536% | 4,333 |
| Earnings coverage of net charge-offs (x) | -0.2985% | 6,547 |
| Efficiency ratio | 194.0517% | 153 |
| Assets per employee ($millions) | 5.6768% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2815% | 143 |
| Loan loss allowance to noncurrent loans | 24.0176% | 6,853 |
| Noncurrent assets plus other real estate owned to assets | 22.0620% | 39 |
| Noncurrent loans to loans | 21.9900% | 56 |
| Net loans and leases to total assets | 71.9141% | 2,769 |
| Net loans and leases to deposits | 87.6160% | 2,625 |
| Net loans and leases to core deposits | 99.5463% | 4,047 |
| Total domestic deposits to total assets | 82.0787% | 4,911 |
| Equity capital to assets | 2.4000% | 7,945 |
| Core capital (leverage) ratio | 2.0932% | 7,950 |
| Tier 1 risk-based capital ratio | 2.6487% | 7,955 |
| Total risk-based capital ratio | 3.9411% | 7,955 |
| Memoranda: | ||
| Average total assets | $211,507,400 | 3,048 |
| Average earning assets | $191,400,000 | 3,078 |
| Average equity | $13,739,000 | 4,329 |
| Average total loans | $166,365,400 | 2,673 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2584% | 5,642 |
| Cost of funding earning assets | 3.3610% | 111 |
| Net interest margin | 1.8974% | 7,853 |
| Noninterest income to average assets | 0.1293% | 7,237 |
| Noninterest expense to average assets | 3.3126% | 2,863 |
| Loan and lease loss provision to assets | 4.0701% | 292 |
| Net operating income to assets | -5.5269% | 7,887 |
| Return on assets (ROA) | -5.4074% | 7,878 |
| Pretax return on assets | -5.4074% | 7,855 |
| Return on Equity (ROE) | -73.2953% | 7,940 |
| Retained earnings to average equity (ytd only) | -73.2953% | 7,939 |
| Net charge-offs to loans | 3.0858% | 524 |
| Credit loss provision to net charge-offs | 166.4411% | 2,824 |
| Earnings coverage of net charge-offs (x) | -0.5957% | 6,519 |
| Efficiency ratio | 178.5007% | 207 |
| Assets per employee ($millions) | 6.0040% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8836% | 149 |
| Loan loss allowance to noncurrent loans | 25.3485% | 6,764 |
| Noncurrent assets plus other real estate owned to assets | 19.3361% | 53 |
| Noncurrent loans to loans | 19.2658% | 72 |
| Net loans and leases to total assets | 71.9966% | 3,038 |
| Net loans and leases to deposits | 90.6809% | 2,449 |
| Net loans and leases to core deposits | 103.1137% | 4,045 |
| Total domestic deposits to total assets | 79.3956% | 5,662 |
| Equity capital to assets | 6.3252% | 7,801 |
| Core capital (leverage) ratio | 6.0717% | 7,788 |
| Tier 1 risk-based capital ratio | 7.1147% | 7,884 |
| Total risk-based capital ratio | 8.4022% | 7,885 |
| Memoranda: | ||
| Average total assets | $217,550,250 | 2,993 |
| Average earning assets | $197,950,500 | 3,012 |
| Average equity | $16,049,750 | 3,901 |
| Average total loans | $172,398,500 | 2,630 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3444% | 5,422 |
| Cost of funding earning assets | 3.4233% | 138 |
| Net interest margin | 1.9211% | 7,901 |
| Noninterest income to average assets | 0.2585% | 6,428 |
| Noninterest expense to average assets | 3.1754% | 3,413 |
| Loan and lease loss provision to assets | 5.1139% | 193 |
| Net operating income to assets | -6.2706% | 8,011 |
| Return on assets (ROA) | -6.0949% | 7,997 |
| Pretax return on assets | -6.0949% | 7,952 |
| Return on Equity (ROE) | -79.1545% | 8,038 |
| Retained earnings to average equity (ytd only) | -79.1545% | 8,037 |
| Net charge-offs to loans | 4.9238% | 251 |
| Credit loss provision to net charge-offs | 129.2872% | 3,599 |
| Earnings coverage of net charge-offs (x) | -0.2924% | 5,950 |
| Efficiency ratio | 157.2959% | 338 |
| Assets per employee ($millions) | 6.3292% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7979% | 302 |
| Loan loss allowance to noncurrent loans | 21.1816% | 7,065 |
| Noncurrent assets plus other real estate owned to assets | 19.0858% | 45 |
| Noncurrent loans to loans | 17.9302% | 76 |
| Net loans and leases to total assets | 74.9619% | 2,445 |
| Net loans and leases to deposits | 94.2057% | 2,060 |
| Net loans and leases to core deposits | 106.4133% | 3,791 |
| Total domestic deposits to total assets | 79.5726% | 5,609 |
| Equity capital to assets | 6.3927% | 7,841 |
| Core capital (leverage) ratio | 5.9835% | 7,926 |
| Tier 1 risk-based capital ratio | 7.3496% | 7,975 |
| Total risk-based capital ratio | 8.6269% | 7,983 |
| Memoranda: | ||
| Average total assets | $222,021,670 | 2,950 |
| Average earning assets | $203,428,000 | 2,955 |
| Average equity | $17,095,670 | 3,692 |
| Average total loans | $178,359,000 | 2,593 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3149% | 5,827 |
| Cost of funding earning assets | 3.4503% | 167 |
| Net interest margin | 1.8647% | 7,956 |
| Noninterest income to average assets | 0.2887% | 6,130 |
| Noninterest expense to average assets | 2.7576% | 4,745 |
| Loan and lease loss provision to assets | 2.1505% | 550 |
| Net operating income to assets | -2.8889% | 7,827 |
| Return on assets (ROA) | -2.8066% | 7,818 |
| Pretax return on assets | -2.8066% | 7,719 |
| Return on Equity (ROE) | -33.8263% | 7,935 |
| Retained earnings to average equity (ytd only) | -33.8263% | 7,896 |
| Net charge-offs to loans | 3.4206% | 360 |
| Credit loss provision to net charge-offs | 77.1985% | 4,235 |
| Earnings coverage of net charge-offs (x) | -0.2651% | 5,169 |
| Efficiency ratio | 136.5685% | 443 |
| Assets per employee ($millions) | 6.6851% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5053% | 760 |
| Loan loss allowance to noncurrent loans | 17.0929% | 7,305 |
| Noncurrent assets plus other real estate owned to assets | 13.1793% | 117 |
| Noncurrent loans to loans | 14.6568% | 108 |
| Net loans and leases to total assets | 77.5939% | 1,913 |
| Net loans and leases to deposits | 98.2623% | 1,626 |
| Net loans and leases to core deposits | 112.0224% | 3,218 |
| Total domestic deposits to total assets | 78.9661% | 5,742 |
| Equity capital to assets | 8.1678% | 6,570 |
| Core capital (leverage) ratio | 7.9708% | 6,508 |
| Tier 1 risk-based capital ratio | 9.6190% | 7,320 |
| Total risk-based capital ratio | 10.8832% | 7,239 |
| Memoranda: | ||
| Average total assets | $228,601,500 | 2,886 |
| Average earning assets | $212,156,500 | 2,855 |
| Average equity | $18,967,500 | 3,420 |
| Average total loans | $186,164,500 | 2,517 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3684% | 3,587 |
| Cost of funding earning assets | 3.6391% | 331 |
| Net interest margin | 2.7293% | 7,445 |
| Noninterest income to average assets | 0.2611% | 6,584 |
| Noninterest expense to average assets | 2.8236% | 4,720 |
| Loan and lease loss provision to assets | 2.6010% | 392 |
| Net operating income to assets | -3.6108% | 7,930 |
| Return on assets (ROA) | -3.5138% | 7,896 |
| Pretax return on assets | -2.4907% | 7,590 |
| Return on Equity (ROE) | -37.4353% | 8,053 |
| Retained earnings to average equity (ytd only) | -37.4353% | 8,015 |
| Net charge-offs to loans | 2.1214% | 500 |
| Credit loss provision to net charge-offs | 142.7968% | 3,712 |
| Earnings coverage of net charge-offs (x) | 0.0073% | 6,239 |
| Efficiency ratio | 99.5330% | 1,002 |
| Assets per employee ($millions) | 6.3863% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5571% | 646 |
| Loan loss allowance to noncurrent loans | 28.5973% | 6,790 |
| Noncurrent assets plus other real estate owned to assets | 8.5947% | 250 |
| Noncurrent loans to loans | 8.9416% | 271 |
| Net loans and leases to total assets | 81.1346% | 1,407 |
| Net loans and leases to deposits | 103.0529% | 1,460 |
| Net loans and leases to core deposits | 119.0783% | 2,780 |
| Total domestic deposits to total assets | 78.7311% | 5,472 |
| Equity capital to assets | 8.4251% | 6,213 |
| Core capital (leverage) ratio | 7.8809% | 6,683 |
| Tier 1 risk-based capital ratio | 9.5012% | 7,306 |
| Total risk-based capital ratio | 10.6892% | 7,290 |
| Memoranda: | ||
| Average total assets | $233,990,600 | 2,715 |
| Average earning assets | $220,823,400 | 2,649 |
| Average equity | $21,963,200 | 2,977 |
| Average total loans | $200,902,800 | 2,287 |