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Founders 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 | 4.5976% | 7,536 |
| Cost of funding earning assets | 2.1434% | 3,072 |
| Net interest margin | 2.4542% | 7,520 |
| Noninterest income to average assets | 1.0506% | 1,430 |
| Noninterest expense to average assets | 3.3343% | 2,840 |
| Loan and lease loss provision to assets | 1.9105% | 858 |
| Net operating income to assets | -1.9938% | 7,429 |
| Return on assets (ROA) | -7.9565% | 8,069 |
| Pretax return on assets | -7.9565% | 8,053 |
| Return on Equity (ROE) | -228.1107% | 8,154 |
| Retained earnings to average equity (ytd only) | -228.1107% | 8,153 |
| Net charge-offs to loans | 0.7516% | 2,181 |
| Credit loss provision to net charge-offs | 388.9522% | 1,194 |
| Earnings coverage of net charge-offs (x) | -0.1697% | 5,860 |
| Efficiency ratio | 102.5634% | 1,072 |
| Assets per employee ($millions) | 4.3164% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5820% | 353 |
| Loan loss allowance to noncurrent loans | 28.4694% | 6,598 |
| Noncurrent assets plus other real estate owned to assets | 10.9359% | 234 |
| Noncurrent loans to loans | 12.5818% | 198 |
| Net loans and leases to total assets | 64.4568% | 4,883 |
| Net loans and leases to deposits | 68.8728% | 6,107 |
| Net loans and leases to core deposits | 81.5971% | 6,270 |
| Total domestic deposits to total assets | 93.5882% | 73 |
| Equity capital to assets | 2.1431% | 8,141 |
| Core capital (leverage) ratio | 2.1227% | 8,144 |
| Tier 1 risk-based capital ratio | 2.4613% | 8,146 |
| Total risk-based capital ratio | 4.9225% | 8,131 |
| Memoranda: | ||
| Average total assets | $928,780,670 | 755 |
| Average earning assets | $832,701,330 | 761 |
| Average equity | $32,395,670 | 2,094 |
| Average total loans | $606,941,000 | 808 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5320% | 7,683 |
| Cost of funding earning assets | 2.1371% | 3,482 |
| Net interest margin | 2.3950% | 7,621 |
| Noninterest income to average assets | 0.9399% | 1,690 |
| Noninterest expense to average assets | 2.8835% | 4,214 |
| Loan and lease loss provision to assets | 1.0993% | 1,191 |
| Net operating income to assets | -0.8330% | 7,145 |
| Return on assets (ROA) | -12.0044% | 8,179 |
| Pretax return on assets | -12.4063% | 8,178 |
| Return on Equity (ROE) | -291.4899% | 8,217 |
| Retained earnings to average equity (ytd only) | -291.4899% | 8,216 |
| Net charge-offs to loans | 0.1553% | 3,716 |
| Credit loss provision to net charge-offs | 1,095.3782% | 575 |
| Earnings coverage of net charge-offs (x) | 2.0924% | 3,676 |
| Efficiency ratio | 93.2116% | 1,481 |
| Assets per employee ($millions) | 4.6242% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8069% | 574 |
| Loan loss allowance to noncurrent loans | 25.2720% | 6,881 |
| Noncurrent assets plus other real estate owned to assets | 8.7741% | 296 |
| Noncurrent loans to loans | 11.1066% | 218 |
| Net loans and leases to total assets | 61.1594% | 5,475 |
| Net loans and leases to deposits | 71.3487% | 5,822 |
| Net loans and leases to core deposits | 87.6692% | 5,771 |
| Total domestic deposits to total assets | 85.7191% | 2,860 |
| Equity capital to assets | 3.0464% | 8,200 |
| Core capital (leverage) ratio | 2.9682% | 8,207 |
| Tier 1 risk-based capital ratio | 3.4131% | 8,211 |
| Total risk-based capital ratio | 5.8660% | 8,184 |
| Memoranda: | ||
| Average total assets | $948,585,000 | 738 |
| Average earning assets | $852,949,500 | 745 |
| Average equity | $39,065,500 | 1,738 |
| Average total loans | $613,199,500 | 803 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7037% | 6,768 |
| Cost of funding earning assets | 2.6478% | 3,446 |
| Net interest margin | 3.0559% | 6,772 |
| Noninterest income to average assets | 1.0606% | 1,397 |
| Noninterest expense to average assets | 2.9275% | 4,347 |
| Loan and lease loss provision to assets | 1.3523% | 1,041 |
| Net operating income to assets | -0.2954% | 6,727 |
| Return on assets (ROA) | -0.6173% | 6,913 |
| Pretax return on assets | -0.9556% | 6,975 |
| Return on Equity (ROE) | -10.3784% | 7,306 |
| Retained earnings to average equity (ytd only) | -13.1688% | 7,347 |
| Net charge-offs to loans | 1.1679% | 1,037 |
| Credit loss provision to net charge-offs | 172.9371% | 2,951 |
| Earnings coverage of net charge-offs (x) | 1.1408% | 5,555 |
| Efficiency ratio | 76.6465% | 3,127 |
| Assets per employee ($millions) | 4.4109% | 2,769 |
| Cash dividends to net income (ytd only)* | -26.8862% | 7,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3779% | 776 |
| Loan loss allowance to noncurrent loans | 31.7612% | 6,609 |
| Noncurrent assets plus other real estate owned to assets | 6.7476% | 401 |
| Noncurrent loans to loans | 7.4867% | 382 |
| Net loans and leases to total assets | 64.8480% | 5,095 |
| Net loans and leases to deposits | 76.2485% | 5,560 |
| Net loans and leases to core deposits | 95.0096% | 5,348 |
| Total domestic deposits to total assets | 85.0482% | 2,819 |
| Equity capital to assets | 5.2314% | 8,161 |
| Core capital (leverage) ratio | 5.9162% | 8,103 |
| Tier 1 risk-based capital ratio | 7.6941% | 8,113 |
| Total risk-based capital ratio | 10.3012% | 7,725 |
| Memoranda: | ||
| Average total assets | $964,022,000 | 685 |
| Average earning assets | $870,348,800 | 694 |
| Average equity | $57,340,000 | 1,166 |
| Average total loans | $645,443,800 | 740 |