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Flagship Bank and Trust Company, 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 | 5.5572% | 7,183 |
| Cost of funding earning assets | 1.3240% | 7,820 |
| Net interest margin | 4.2331% | 2,184 |
| Noninterest income to average assets | 0.9992% | 1,585 |
| Noninterest expense to average assets | 3.2345% | 3,207 |
| Loan and lease loss provision to assets | 0.0513% | 6,774 |
| Net operating income to assets | 0.9688% | 2,700 |
| Return on assets (ROA) | 0.9941% | 2,460 |
| Pretax return on assets | 1.3652% | 2,073 |
| Return on Equity (ROE) | 5.8012% | 4,028 |
| Retained earnings to average equity (ytd only) | 5.8012% | 1,620 |
| Net charge-offs to loans | 0.0533% | 6,030 |
| Credit loss provision to net charge-offs | 138.1910% | 3,850 |
| Earnings coverage of net charge-offs (x) | 37.2412% | 994 |
| Efficiency ratio | 64.5503% | 5,437 |
| Assets per employee ($millions) | 5.9732% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4825% | 2,779 |
| Loan loss allowance to noncurrent loans | 192.8212% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5297% | 5,590 |
| Noncurrent loans to loans | 0.7688% | 5,112 |
| Net loans and leases to total assets | 67.1520% | 4,609 |
| Net loans and leases to deposits | 93.8319% | 2,798 |
| Net loans and leases to core deposits | 101.2769% | 4,688 |
| Total domestic deposits to total assets | 71.5663% | 7,079 |
| Equity capital to assets | 19.2070% | 526 |
| Core capital (leverage) ratio | 8.8135% | 5,020 |
| Tier 1 risk-based capital ratio | 11.3941% | 5,340 |
| Total risk-based capital ratio | 12.6467% | 5,240 |
| Memoranda: | ||
| Average total assets | $536,346,000 | 1,267 |
| Average earning assets | $458,291,000 | 1,361 |
| Average equity | $91,912,800 | 726 |
| Average total loans | $373,633,000 | 1,303 |