Home > First Coweta Bank > Performance and Condition Ratios
First Coweta 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 | 5.1703% | 6,189 |
| Cost of funding earning assets | 3.9060% | 26 |
| Net interest margin | 1.2642% | 8,065 |
| Noninterest income to average assets | 0.2188% | 6,737 |
| Noninterest expense to average assets | 4.1739% | 1,099 |
| Loan and lease loss provision to assets | 1.9523% | 834 |
| Net operating income to assets | -4.8880% | 7,922 |
| Return on assets (ROA) | -4.8171% | 7,914 |
| Pretax return on assets | -4.8171% | 7,839 |
| Return on Equity (ROE) | -148.7932% | 8,126 |
| Retained earnings to average equity (ytd only) | -148.7932% | 8,124 |
| Net charge-offs to loans | 3.3182% | 481 |
| Credit loss provision to net charge-offs | 79.6469% | 5,211 |
| Earnings coverage of net charge-offs (x) | -1.1976% | 6,270 |
| Efficiency ratio | 337.0874% | 66 |
| Assets per employee ($millions) | 3.8083% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3400% | 433 |
| Loan loss allowance to noncurrent loans | 19.3007% | 7,170 |
| Noncurrent assets plus other real estate owned to assets | 19.0834% | 46 |
| Noncurrent loans to loans | 17.3051% | 86 |
| Net loans and leases to total assets | 68.4822% | 4,076 |
| Net loans and leases to deposits | 72.3956% | 5,685 |
| Net loans and leases to core deposits | 98.1558% | 4,685 |
| Total domestic deposits to total assets | 94.5944% | 45 |
| Equity capital to assets | 2.0195% | 8,143 |
| Core capital (leverage) ratio | 2.0023% | 8,147 |
| Tier 1 risk-based capital ratio | 2.5005% | 8,145 |
| Total risk-based capital ratio | 3.7710% | 8,147 |
| Memoranda: | ||
| Average total assets | $166,367,000 | 3,697 |
| Average earning assets | $134,151,330 | 4,066 |
| Average equity | $5,386,000 | 6,932 |
| Average total loans | $122,899,000 | 3,475 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5070% | 4,880 |
| Cost of funding earning assets | 3.9177% | 38 |
| Net interest margin | 1.5894% | 8,036 |
| Noninterest income to average assets | 0.0740% | 7,681 |
| Noninterest expense to average assets | 4.1366% | 1,015 |
| Loan and lease loss provision to assets | 1.5983% | 783 |
| Net operating income to assets | -4.3537% | 8,006 |
| Return on assets (ROA) | -4.3537% | 8,000 |
| Pretax return on assets | -4.3680% | 7,940 |
| Return on Equity (ROE) | -113.6098% | 8,161 |
| Retained earnings to average equity (ytd only) | -113.6098% | 8,157 |
| Net charge-offs to loans | 3.5143% | 347 |
| Credit loss provision to net charge-offs | 60.3604% | 4,511 |
| Earnings coverage of net charge-offs (x) | -1.0459% | 5,367 |
| Efficiency ratio | 302.6178% | 83 |
| Assets per employee ($millions) | 3.8460% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1344% | 433 |
| Loan loss allowance to noncurrent loans | 20.3198% | 7,152 |
| Noncurrent assets plus other real estate owned to assets | 16.1012% | 61 |
| Noncurrent loans to loans | 15.4253% | 95 |
| Net loans and leases to total assets | 70.3102% | 3,603 |
| Net loans and leases to deposits | 75.2416% | 5,314 |
| Net loans and leases to core deposits | 99.3197% | 4,608 |
| Total domestic deposits to total assets | 93.4459% | 63 |
| Equity capital to assets | 3.2507% | 8,195 |
| Core capital (leverage) ratio | 3.2777% | 8,197 |
| Tier 1 risk-based capital ratio | 4.0099% | 8,204 |
| Total risk-based capital ratio | 5.2790% | 8,204 |
| Memoranda: | ||
| Average total assets | $167,673,000 | 3,695 |
| Average earning assets | $136,407,500 | 4,028 |
| Average equity | $6,425,500 | 6,604 |
| Average total loans | $126,339,500 | 3,440 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6592% | 2,205 |
| Cost of funding earning assets | 4.1374% | 63 |
| Net interest margin | 2.5218% | 7,732 |
| Noninterest income to average assets | 0.1973% | 7,036 |
| Noninterest expense to average assets | 3.4076% | 2,650 |
| Loan and lease loss provision to assets | 3.9148% | 174 |
| Net operating income to assets | -4.6444% | 8,060 |
| Return on assets (ROA) | -4.6438% | 8,046 |
| Pretax return on assets | -4.9024% | 8,012 |
| Return on Equity (ROE) | -61.3406% | 8,205 |
| Retained earnings to average equity (ytd only) | -61.3406% | 8,194 |
| Net charge-offs to loans | 3.2320% | 262 |
| Credit loss provision to net charge-offs | 147.2771% | 3,586 |
| Earnings coverage of net charge-offs (x) | -0.3718% | 6,446 |
| Efficiency ratio | 140.8444% | 398 |
| Assets per employee ($millions) | 3.8633% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3039% | 336 |
| Loan loss allowance to noncurrent loans | 27.9807% | 6,835 |
| Noncurrent assets plus other real estate owned to assets | 13.2781% | 78 |
| Noncurrent loans to loans | 11.8077% | 136 |
| Net loans and leases to total assets | 75.5813% | 2,735 |
| Net loans and leases to deposits | 81.9735% | 4,734 |
| Net loans and leases to core deposits | 107.6135% | 4,013 |
| Total domestic deposits to total assets | 92.2022% | 107 |
| Equity capital to assets | 4.4244% | 8,234 |
| Core capital (leverage) ratio | 4.4588% | 8,245 |
| Tier 1 risk-based capital ratio | 5.2973% | 8,258 |
| Total risk-based capital ratio | 6.5699% | 8,258 |
| Memoranda: | ||
| Average total assets | $171,323,800 | 3,530 |
| Average earning assets | $150,963,000 | 3,634 |
| Average equity | $12,970,200 | 4,586 |
| Average total loans | $140,905,000 | 3,078 |