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County Bank, Performance and Condition Ratios
| 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 | 6.7556% | 1,845 |
| Cost of funding earning assets | 2.3328% | 4,997 |
| Net interest margin | 4.4228% | 1,617 |
| Noninterest income to average assets | 0.3918% | 5,543 |
| Noninterest expense to average assets | 5.9154% | 415 |
| Loan and lease loss provision to assets | 2.8291% | 333 |
| Net operating income to assets | -4.8102% | 8,073 |
| Return on assets (ROA) | -4.9070% | 8,070 |
| Pretax return on assets | -4.5298% | 7,969 |
| Return on Equity (ROE) | -78.0124% | 8,246 |
| Retained earnings to average equity (ytd only) | -80.2666% | 8,242 |
| Net charge-offs to loans | 3.7210% | 203 |
| Credit loss provision to net charge-offs | 104.5901% | 5,114 |
| Earnings coverage of net charge-offs (x) | -0.5930% | 6,509 |
| Efficiency ratio | 107.4780% | 772 |
| Assets per employee ($millions) | 3.6808% | 4,215 |
| Cash dividends to net income (ytd only)* | -2.8895% | 7,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9533% | 455 |
| Loan loss allowance to noncurrent loans | 34.9829% | 6,408 |
| Noncurrent assets plus other real estate owned to assets | 7.2996% | 342 |
| Noncurrent loans to loans | 8.4422% | 309 |
| Net loans and leases to total assets | 73.3975% | 3,263 |
| Net loans and leases to deposits | 94.8365% | 2,643 |
| Net loans and leases to core deposits | 109.1607% | 3,849 |
| Total domestic deposits to total assets | 77.3938% | 5,897 |
| Equity capital to assets | 3.6062% | 8,263 |
| Core capital (leverage) ratio | 3.1241% | 8,274 |
| Tier 1 risk-based capital ratio | 3.8688% | 8,278 |
| Total risk-based capital ratio | 6.5335% | 8,259 |
| Memoranda: | ||
| Average total assets | $1,957,158,000 | 368 |
| Average earning assets | $1,734,495,600 | 375 |
| Average equity | $123,104,800 | 551 |
| Average total loans | $1,422,751,400 | 367 |