Home > First Lowndes Bank > Performance and Condition Ratios
First Lowndes Bank, Performance and Condition Ratios
| 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 | 5.7501% | 2,865 |
| Cost of funding earning assets | 2.8234% | 409 |
| Net interest margin | 2.9266% | 6,806 |
| Noninterest income to average assets | 0.4525% | 4,783 |
| Noninterest expense to average assets | 2.8751% | 4,631 |
| Loan and lease loss provision to assets | 5.7222% | 130 |
| Net operating income to assets | -5.4907% | 7,797 |
| Return on assets (ROA) | -5.4907% | 7,791 |
| Pretax return on assets | -5.5033% | 7,762 |
| Return on Equity (ROE) | -103.1939% | 7,939 |
| Retained earnings to average equity (ytd only) | -103.1939% | 7,939 |
| Net charge-offs to loans | 7.0433% | 116 |
| Credit loss provision to net charge-offs | 108.7506% | 5,087 |
| Earnings coverage of net charge-offs (x) | 0.0416% | 6,140 |
| Efficiency ratio | 92.9247% | 1,488 |
| Assets per employee ($millions) | 2.7435% | 6,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9482% | 373 |
| Loan loss allowance to noncurrent loans | 46.8989% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 7.7106% | 609 |
| Noncurrent loans to loans | 8.4186% | 574 |
| Net loans and leases to total assets | 71.8797% | 2,775 |
| Net loans and leases to deposits | 75.2008% | 4,855 |
| Net loans and leases to core deposits | 108.7771% | 3,024 |
| Total domestic deposits to total assets | 95.5837% | 40 |
| Equity capital to assets | 2.0587% | 7,958 |
| Core capital (leverage) ratio | 1.9848% | 7,953 |
| Tier 1 risk-based capital ratio | 2.6663% | 7,954 |
| Total risk-based capital ratio | 3.9489% | 7,954 |
| Memoranda: | ||
| Average total assets | $150,291,400 | 3,955 |
| Average earning assets | $135,650,600 | 3,986 |
| Average equity | $7,996,600 | 5,928 |
| Average total loans | $112,276,400 | 3,643 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7728% | 3,013 |
| Cost of funding earning assets | 2.9128% | 437 |
| Net interest margin | 2.8601% | 6,939 |
| Noninterest income to average assets | 0.4376% | 4,976 |
| Noninterest expense to average assets | 2.7192% | 5,248 |
| Loan and lease loss provision to assets | 6.9022% | 75 |
| Net operating income to assets | -6.5098% | 7,954 |
| Return on assets (ROA) | -6.5098% | 7,954 |
| Pretax return on assets | -6.5931% | 7,944 |
| Return on Equity (ROE) | -107.6141% | 8,024 |
| Retained earnings to average equity (ytd only) | -107.6141% | 8,021 |
| Net charge-offs to loans | 9.0183% | 62 |
| Credit loss provision to net charge-offs | 102.4881% | 4,964 |
| Earnings coverage of net charge-offs (x) | 0.0459% | 6,004 |
| Efficiency ratio | 89.7936% | 1,706 |
| Assets per employee ($millions) | 2.8035% | 6,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3399% | 485 |
| Loan loss allowance to noncurrent loans | 44.2535% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 6.0269% | 892 |
| Noncurrent loans to loans | 7.5472% | 680 |
| Net loans and leases to total assets | 71.9393% | 3,047 |
| Net loans and leases to deposits | 75.6222% | 5,105 |
| Net loans and leases to core deposits | 110.5277% | 3,180 |
| Total domestic deposits to total assets | 95.1300% | 34 |
| Equity capital to assets | 2.5207% | 8,043 |
| Core capital (leverage) ratio | 2.3189% | 8,043 |
| Tier 1 risk-based capital ratio | 3.3044% | 8,040 |
| Total risk-based capital ratio | 4.5811% | 8,043 |
| Memoranda: | ||
| Average total assets | $153,570,500 | 3,924 |
| Average earning assets | $139,108,250 | 3,949 |
| Average equity | $9,289,750 | 5,562 |
| Average total loans | $114,682,000 | 3,620 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8622% | 2,750 |
| Cost of funding earning assets | 2.9558% | 526 |
| Net interest margin | 2.9064% | 6,788 |
| Noninterest income to average assets | 0.4036% | 5,254 |
| Noninterest expense to average assets | 2.6607% | 5,519 |
| Loan and lease loss provision to assets | 0.1910% | 5,133 |
| Net operating income to assets | 0.2979% | 4,906 |
| Return on assets (ROA) | 0.2979% | 5,023 |
| Pretax return on assets | 0.1757% | 5,526 |
| Return on Equity (ROE) | 4.1842% | 4,423 |
| Retained earnings to average equity (ytd only) | 4.1842% | 2,971 |
| Net charge-offs to loans | -0.0937% | 7,941 |
| Credit loss provision to net charge-offs | -272.7273% | 7,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8890% | 2,026 |
| Assets per employee ($millions) | 3.0673% | 5,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0520% | 543 |
| Loan loss allowance to noncurrent loans | 46.1141% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 5.2547% | 972 |
| Noncurrent loans to loans | 6.6184% | 782 |
| Net loans and leases to total assets | 72.4126% | 3,113 |
| Net loans and leases to deposits | 79.9558% | 4,554 |
| Net loans and leases to core deposits | 119.5666% | 2,407 |
| Total domestic deposits to total assets | 90.5657% | 606 |
| Equity capital to assets | 7.1745% | 7,502 |
| Core capital (leverage) ratio | 7.1517% | 7,403 |
| Tier 1 risk-based capital ratio | 9.6493% | 7,275 |
| Total risk-based capital ratio | 10.9218% | 7,197 |
| Memoranda: | ||
| Average total assets | $157,102,000 | 3,875 |
| Average earning assets | $141,823,000 | 3,907 |
| Average equity | $11,185,000 | 5,036 |
| Average total loans | $117,439,330 | 3,593 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8052% | 3,272 |
| Cost of funding earning assets | 3.0284% | 573 |
| Net interest margin | 2.7767% | 7,039 |
| Noninterest income to average assets | 0.3963% | 5,237 |
| Noninterest expense to average assets | 2.7846% | 4,622 |
| Loan and lease loss provision to assets | -0.7571% | 8,233 |
| Net operating income to assets | 0.6682% | 3,718 |
| Return on assets (ROA) | 0.6682% | 3,891 |
| Pretax return on assets | 0.8918% | 3,748 |
| Return on Equity (ROE) | 9.4215% | 2,567 |
| Retained earnings to average equity (ytd only) | 9.4215% | 1,363 |
| Net charge-offs to loans | -0.5436% | 8,115 |
| Credit loss provision to net charge-offs | 186.2500% | 2,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3873% | 1,352 |
| Assets per employee ($millions) | 3.1024% | 5,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7554% | 602 |
| Loan loss allowance to noncurrent loans | 56.8731% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 3.8882% | 1,346 |
| Noncurrent loans to loans | 4.8448% | 1,137 |
| Net loans and leases to total assets | 71.8914% | 3,262 |
| Net loans and leases to deposits | 79.2934% | 4,727 |
| Net loans and leases to core deposits | 116.0256% | 2,804 |
| Total domestic deposits to total assets | 90.6650% | 532 |
| Equity capital to assets | 7.1318% | 7,608 |
| Core capital (leverage) ratio | 7.1139% | 7,544 |
| Tier 1 risk-based capital ratio | 9.6326% | 7,307 |
| Total risk-based capital ratio | 10.9014% | 7,222 |
| Memoranda: | ||
| Average total assets | $157,438,000 | 3,871 |
| Average earning assets | $143,045,000 | 3,898 |
| Average equity | $11,166,000 | 5,063 |
| Average total loans | $117,738,500 | 3,608 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7174% | 1,965 |
| Cost of funding earning assets | 3.4842% | 545 |
| Net interest margin | 3.2332% | 6,264 |
| Noninterest income to average assets | 0.5549% | 4,194 |
| Noninterest expense to average assets | 3.5043% | 2,383 |
| Loan and lease loss provision to assets | 1.0947% | 1,323 |
| Net operating income to assets | -0.6784% | 7,051 |
| Return on assets (ROA) | -0.6784% | 6,952 |
| Pretax return on assets | -1.0954% | 7,056 |
| Return on Equity (ROE) | -9.3774% | 7,229 |
| Retained earnings to average equity (ytd only) | -10.0447% | 7,075 |
| Net charge-offs to loans | 0.8101% | 1,541 |
| Credit loss provision to net charge-offs | 180.9326% | 2,779 |
| Earnings coverage of net charge-offs (x) | -0.0010% | 6,246 |
| Efficiency ratio | 100.0179% | 982 |
| Assets per employee ($millions) | 2.5681% | 7,067 |
| Cash dividends to net income (ytd only)* | -7.1165% | 7,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8361% | 502 |
| Loan loss allowance to noncurrent loans | 47.8162% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 4.8661% | 731 |
| Noncurrent loans to loans | 5.9313% | 612 |
| Net loans and leases to total assets | 73.5028% | 3,227 |
| Net loans and leases to deposits | 81.1623% | 4,846 |
| Net loans and leases to core deposits | 118.5388% | 2,831 |
| Total domestic deposits to total assets | 90.5626% | 463 |
| Equity capital to assets | 7.0525% | 7,709 |
| Core capital (leverage) ratio | 7.0442% | 7,660 |
| Tier 1 risk-based capital ratio | 9.3660% | 7,443 |
| Total risk-based capital ratio | 10.6359% | 7,354 |
| Memoranda: | ||
| Average total assets | $159,492,000 | 3,725 |
| Average earning assets | $145,458,400 | 3,730 |
| Average equity | $11,538,400 | 4,957 |
| Average total loans | $119,124,000 | 3,487 |