Home > Community Bank of West Georgia > Performance and Condition Ratios
Community Bank of West Georgia, Performance and Condition Ratios
| 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 | 5.0288% | 6,861 |
| Cost of funding earning assets | 4.3809% | 11 |
| Net interest margin | 0.6479% | 8,188 |
| Noninterest income to average assets | -0.0772% | 8,125 |
| Noninterest expense to average assets | 3.3873% | 2,394 |
| Loan and lease loss provision to assets | 4.3608% | 205 |
| Net operating income to assets | -7.2931% | 8,127 |
| Return on assets (ROA) | -6.6975% | 8,104 |
| Pretax return on assets | -6.6975% | 8,072 |
| Return on Equity (ROE) | -148.8485% | 8,180 |
| Retained earnings to average equity (ytd only) | -148.8485% | 8,178 |
| Net charge-offs to loans | 2.5018% | 558 |
| Credit loss provision to net charge-offs | 263.3214% | 1,792 |
| Earnings coverage of net charge-offs (x) | -1.7706% | 5,457 |
| Efficiency ratio | 744.3478% | 26 |
| Assets per employee ($millions) | 6.4910% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6906% | 130 |
| Loan loss allowance to noncurrent loans | 49.9712% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 19.5645% | 34 |
| Noncurrent loans to loans | 9.3866% | 333 |
| Net loans and leases to total assets | 61.3954% | 5,430 |
| Net loans and leases to deposits | 65.2282% | 6,445 |
| Net loans and leases to core deposits | 78.2663% | 6,516 |
| Total domestic deposits to total assets | 94.1239% | 37 |
| Equity capital to assets | 3.6293% | 8,181 |
| Core capital (leverage) ratio | 3.5758% | 8,181 |
| Tier 1 risk-based capital ratio | 4.6067% | 8,187 |
| Total risk-based capital ratio | 5.8884% | 8,183 |
| Memoranda: | ||
| Average total assets | $202,164,500 | 3,217 |
| Average earning assets | $166,083,500 | 3,474 |
| Average equity | $9,096,500 | 5,672 |
| Average total loans | $133,822,500 | 3,290 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2185% | 4,421 |
| Cost of funding earning assets | 4.2516% | 37 |
| Net interest margin | 1.9669% | 8,084 |
| Noninterest income to average assets | 0.1343% | 7,434 |
| Noninterest expense to average assets | 2.6866% | 5,324 |
| Loan and lease loss provision to assets | 3.0700% | 297 |
| Net operating income to assets | -4.0220% | 7,992 |
| Return on assets (ROA) | -4.0220% | 7,975 |
| Pretax return on assets | -3.8569% | 7,869 |
| Return on Equity (ROE) | -57.2776% | 8,191 |
| Retained earnings to average equity (ytd only) | -57.2776% | 8,176 |
| Net charge-offs to loans | 2.1755% | 478 |
| Credit loss provision to net charge-offs | 176.9426% | 2,862 |
| Earnings coverage of net charge-offs (x) | -0.4535% | 6,468 |
| Efficiency ratio | 141.4245% | 393 |
| Assets per employee ($millions) | 6.1548% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4146% | 304 |
| Loan loss allowance to noncurrent loans | 33.8505% | 6,471 |
| Noncurrent assets plus other real estate owned to assets | 16.0699% | 52 |
| Noncurrent loans to loans | 10.0874% | 208 |
| Net loans and leases to total assets | 65.6358% | 4,928 |
| Net loans and leases to deposits | 70.8962% | 6,183 |
| Net loans and leases to core deposits | 118.9639% | 2,791 |
| Total domestic deposits to total assets | 92.5803% | 78 |
| Equity capital to assets | 5.3617% | 8,148 |
| Core capital (leverage) ratio | 5.2888% | 8,186 |
| Tier 1 risk-based capital ratio | 6.7255% | 8,195 |
| Total risk-based capital ratio | 7.9965% | 8,203 |
| Memoranda: | ||
| Average total assets | $204,723,200 | 3,077 |
| Average earning assets | $183,742,200 | 3,142 |
| Average equity | $14,375,600 | 4,260 |
| Average total loans | $163,275,200 | 2,726 |