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Discovery Bank, 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 | 4.9994% | 6,772 |
| Cost of funding earning assets | 1.8298% | 4,606 |
| Net interest margin | 3.1696% | 6,021 |
| Noninterest income to average assets | 0.4376% | 4,958 |
| Noninterest expense to average assets | 4.7638% | 608 |
| Loan and lease loss provision to assets | 1.3484% | 1,284 |
| Net operating income to assets | -2.7412% | 7,618 |
| Return on assets (ROA) | -2.7412% | 7,610 |
| Pretax return on assets | -2.7412% | 7,485 |
| Return on Equity (ROE) | -26.5315% | 7,654 |
| Retained earnings to average equity (ytd only) | -26.5315% | 7,622 |
| Net charge-offs to loans | 0.9221% | 1,868 |
| Credit loss provision to net charge-offs | 179.9342% | 2,544 |
| Earnings coverage of net charge-offs (x) | -1.8586% | 6,340 |
| Efficiency ratio | 141.3163% | 420 |
| Assets per employee ($millions) | 3.5128% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0418% | 550 |
| Loan loss allowance to noncurrent loans | 36.4161% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 9.6332% | 324 |
| Noncurrent loans to loans | 8.3528% | 506 |
| Net loans and leases to total assets | 82.5105% | 864 |
| Net loans and leases to deposits | 100.5616% | 1,229 |
| Net loans and leases to core deposits | 175.5197% | 261 |
| Total domestic deposits to total assets | 82.0498% | 4,676 |
| Equity capital to assets | 10.5997% | 3,297 |
| Core capital (leverage) ratio | 10.2861% | 3,011 |
| Tier 1 risk-based capital ratio | 11.1369% | 5,738 |
| Total risk-based capital ratio | 12.4043% | 5,637 |
| Memoranda: | ||
| Average total assets | $162,266,000 | 3,776 |
| Average earning assets | $150,178,670 | 3,741 |
| Average equity | $16,765,000 | 3,762 |
| Average total loans | $131,871,000 | 3,307 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8353% | 7,315 |
| Cost of funding earning assets | 1.9990% | 4,138 |
| Net interest margin | 2.8363% | 6,907 |
| Noninterest income to average assets | 0.3908% | 5,291 |
| Noninterest expense to average assets | 4.2937% | 860 |
| Loan and lease loss provision to assets | 1.4058% | 906 |
| Net operating income to assets | -2.6854% | 7,798 |
| Return on assets (ROA) | -2.6854% | 7,795 |
| Pretax return on assets | -2.6854% | 7,699 |
| Return on Equity (ROE) | -26.2980% | 7,866 |
| Retained earnings to average equity (ytd only) | -26.2980% | 7,800 |
| Net charge-offs to loans | 1.4977% | 964 |
| Credit loss provision to net charge-offs | 118.0000% | 3,318 |
| Earnings coverage of net charge-offs (x) | -1.0740% | 5,379 |
| Efficiency ratio | 142.4506% | 396 |
| Assets per employee ($millions) | 3.2896% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6640% | 646 |
| Loan loss allowance to noncurrent loans | 45.5122% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 6.9722% | 490 |
| Noncurrent loans to loans | 5.8534% | 834 |
| Net loans and leases to total assets | 78.0589% | 1,811 |
| Net loans and leases to deposits | 94.4246% | 2,205 |
| Net loans and leases to core deposits | 122.8443% | 2,182 |
| Total domestic deposits to total assets | 82.6679% | 4,303 |
| Equity capital to assets | 10.0960% | 3,884 |
| Core capital (leverage) ratio | 9.9967% | 3,417 |
| Tier 1 risk-based capital ratio | 11.1162% | 5,800 |
| Total risk-based capital ratio | 12.3803% | 5,700 |
| Memoranda: | ||
| Average total assets | $167,873,500 | 3,691 |
| Average earning assets | $155,274,500 | 3,661 |
| Average equity | $17,142,000 | 3,710 |
| Average total loans | $133,535,000 | 3,294 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2285% | 4,367 |
| Cost of funding earning assets | 2.2773% | 5,258 |
| Net interest margin | 3.9512% | 3,357 |
| Noninterest income to average assets | 0.4182% | 5,315 |
| Noninterest expense to average assets | 4.4244% | 928 |
| Loan and lease loss provision to assets | 3.2726% | 265 |
| Net operating income to assets | -2.2408% | 7,651 |
| Return on assets (ROA) | -2.2408% | 7,614 |
| Pretax return on assets | -3.6406% | 7,834 |
| Return on Equity (ROE) | -23.2990% | 7,835 |
| Retained earnings to average equity (ytd only) | -23.2990% | 7,770 |
| Net charge-offs to loans | 3.7963% | 189 |
| Credit loss provision to net charge-offs | 104.7557% | 5,106 |
| Earnings coverage of net charge-offs (x) | -0.1178% | 6,326 |
| Efficiency ratio | 109.0699% | 729 |
| Assets per employee ($millions) | 3.3582% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5332% | 653 |
| Loan loss allowance to noncurrent loans | 37.0563% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 6.4543% | 432 |
| Noncurrent loans to loans | 6.8361% | 457 |
| Net loans and leases to total assets | 76.9213% | 2,398 |
| Net loans and leases to deposits | 90.4478% | 3,377 |
| Net loans and leases to core deposits | 96.2350% | 5,235 |
| Total domestic deposits to total assets | 85.0449% | 2,820 |
| Equity capital to assets | 10.3220% | 3,691 |
| Core capital (leverage) ratio | 10.5508% | 2,939 |
| Tier 1 risk-based capital ratio | 11.5421% | 5,205 |
| Total risk-based capital ratio | 12.8045% | 5,083 |
| Memoranda: | ||
| Average total assets | $170,962,400 | 3,541 |
| Average earning assets | $157,422,000 | 3,520 |
| Average equity | $16,442,800 | 3,835 |
| Average total loans | $140,691,000 | 3,085 |