Home > First Piedmont Bank > Performance and Condition Ratios
First Piedmont 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 | 4.5314% | 7,598 |
| Cost of funding earning assets | 4.2881% | 11 |
| Net interest margin | 0.2433% | 8,161 |
| Noninterest income to average assets | -2.9601% | 8,185 |
| Noninterest expense to average assets | 2.9418% | 4,326 |
| Loan and lease loss provision to assets | 0.9623% | 1,756 |
| Net operating income to assets | -4.7189% | 7,916 |
| Return on assets (ROA) | -4.6753% | 7,909 |
| Pretax return on assets | -6.6165% | 7,993 |
| Return on Equity (ROE) | -117.5512% | 8,098 |
| Retained earnings to average equity (ytd only) | -117.5512% | 8,097 |
| Net charge-offs to loans | 3.5856% | 429 |
| Credit loss provision to net charge-offs | 42.4798% | 5,869 |
| Earnings coverage of net charge-offs (x) | -2.5231% | 6,386 |
| Efficiency ratio | -106.0515% | 8,178 |
| Assets per employee ($millions) | 5.1870% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 2,639 |
| Loan loss allowance to noncurrent loans | 19.9168% | 7,131 |
| Noncurrent assets plus other real estate owned to assets | 22.3226% | 34 |
| Noncurrent loans to loans | 8.1530% | 537 |
| Net loans and leases to total assets | 61.0009% | 5,520 |
| Net loans and leases to deposits | 64.1573% | 6,547 |
| Net loans and leases to core deposits | 81.5678% | 6,273 |
| Total domestic deposits to total assets | 95.0803% | 34 |
| Equity capital to assets | 2.7254% | 8,125 |
| Core capital (leverage) ratio | 2.5526% | 8,132 |
| Tier 1 risk-based capital ratio | 3.2727% | 8,136 |
| Total risk-based capital ratio | 4.5129% | 8,136 |
| Memoranda: | ||
| Average total assets | $120,335,330 | 4,623 |
| Average earning assets | $92,069,330 | 5,118 |
| Average equity | $4,786,000 | 7,143 |
| Average total loans | $76,026,000 | 4,733 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0500% | 7,968 |
| Cost of funding earning assets | 4.2683% | 13 |
| Net interest margin | -0.2182% | 8,240 |
| Noninterest income to average assets | -1.5813% | 8,227 |
| Noninterest expense to average assets | 2.7640% | 4,725 |
| Loan and lease loss provision to assets | 1.5942% | 787 |
| Net operating income to assets | -2.2801% | 7,721 |
| Return on assets (ROA) | -2.2034% | 7,709 |
| Pretax return on assets | -5.9880% | 8,049 |
| Return on Equity (ROE) | -48.3642% | 8,039 |
| Retained earnings to average equity (ytd only) | -48.3642% | 8,023 |
| Net charge-offs to loans | 2.7053% | 492 |
| Credit loss provision to net charge-offs | 92.4812% | 3,955 |
| Earnings coverage of net charge-offs (x) | -2.6184% | 5,501 |
| Efficiency ratio | -157.9630% | 8,236 |
| Assets per employee ($millions) | 5.3951% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5685% | 714 |
| Loan loss allowance to noncurrent loans | 23.4340% | 6,992 |
| Noncurrent assets plus other real estate owned to assets | 25.1719% | 14 |
| Noncurrent loans to loans | 10.9605% | 230 |
| Net loans and leases to total assets | 57.8691% | 5,961 |
| Net loans and leases to deposits | 61.6923% | 6,757 |
| Net loans and leases to core deposits | 78.3067% | 6,515 |
| Total domestic deposits to total assets | 93.8027% | 47 |
| Equity capital to assets | 4.2011% | 8,154 |
| Core capital (leverage) ratio | 4.1621% | 8,165 |
| Tier 1 risk-based capital ratio | 5.0053% | 8,171 |
| Total risk-based capital ratio | 6.2622% | 8,169 |
| Memoranda: | ||
| Average total assets | $123,446,500 | 4,561 |
| Average earning assets | $95,308,000 | 5,049 |
| Average equity | $5,624,000 | 6,908 |
| Average total loans | $78,659,500 | 4,657 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5842% | 7,120 |
| Cost of funding earning assets | 4.2761% | 34 |
| Net interest margin | 1.3081% | 8,204 |
| Noninterest income to average assets | -0.7406% | 8,284 |
| Noninterest expense to average assets | 2.7079% | 5,235 |
| Loan and lease loss provision to assets | 2.8749% | 325 |
| Net operating income to assets | -4.8180% | 8,074 |
| Return on assets (ROA) | -4.8144% | 8,060 |
| Pretax return on assets | -5.2009% | 8,044 |
| Return on Equity (ROE) | -62.3249% | 8,210 |
| Retained earnings to average equity (ytd only) | -62.3249% | 8,202 |
| Net charge-offs to loans | 4.1704% | 150 |
| Credit loss provision to net charge-offs | 94.1519% | 5,565 |
| Earnings coverage of net charge-offs (x) | -0.7630% | 6,555 |
| Efficiency ratio | 716.3599% | 28 |
| Assets per employee ($millions) | 4.5484% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3117% | 844 |
| Loan loss allowance to noncurrent loans | 13.8081% | 7,430 |
| Noncurrent assets plus other real estate owned to assets | 23.6047% | 18 |
| Noncurrent loans to loans | 16.7416% | 58 |
| Net loans and leases to total assets | 66.5155% | 4,749 |
| Net loans and leases to deposits | 71.5261% | 6,114 |
| Net loans and leases to core deposits | 93.0099% | 5,544 |
| Total domestic deposits to total assets | 92.9946% | 55 |
| Equity capital to assets | 4.9143% | 8,199 |
| Core capital (leverage) ratio | 4.5934% | 8,237 |
| Tier 1 risk-based capital ratio | 5.6388% | 8,246 |
| Total risk-based capital ratio | 6.8968% | 8,247 |
| Memoranda: | ||
| Average total assets | $129,362,800 | 4,298 |
| Average earning assets | $110,615,000 | 4,497 |
| Average equity | $9,992,800 | 5,414 |
| Average total loans | $94,716,200 | 4,089 |