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Gateway Bank & Trust Company, Performance and Condition Ratios
| 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 | 5.7578% | 3,492 |
| Cost of funding earning assets | 1.7502% | 5,351 |
| Net interest margin | 4.0077% | 2,613 |
| Noninterest income to average assets | 0.8483% | 2,088 |
| Noninterest expense to average assets | 2.3652% | 6,320 |
| Loan and lease loss provision to assets | 0.1357% | 5,221 |
| Net operating income to assets | 1.1443% | 1,825 |
| Return on assets (ROA) | 1.1443% | 1,949 |
| Pretax return on assets | 1.7999% | 973 |
| Return on Equity (ROE) | 9.5757% | 2,503 |
| Retained earnings to average equity (ytd only) | 9.5757% | 1,317 |
| Net charge-offs to loans | 0.0166% | 5,340 |
| Credit loss provision to net charge-offs | 986.8421% | 638 |
| Earnings coverage of net charge-offs (x) | 140.7763% | 311 |
| Efficiency ratio | 53.4177% | 7,276 |
| Assets per employee ($millions) | 5.0210% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3159% | 926 |
| Loan loss allowance to noncurrent loans | 52.3894% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 3.8913% | 1,343 |
| Noncurrent loans to loans | 4.4205% | 1,314 |
| Net loans and leases to total assets | 81.5905% | 1,084 |
| Net loans and leases to deposits | 109.0467% | 665 |
| Net loans and leases to core deposits | 130.0168% | 1,659 |
| Total domestic deposits to total assets | 74.8216% | 6,742 |
| Equity capital to assets | 12.1219% | 2,185 |
| Core capital (leverage) ratio | 8.5507% | 5,430 |
| Tier 1 risk-based capital ratio | 9.3624% | 7,538 |
| Total risk-based capital ratio | 10.6223% | 7,487 |
| Memoranda: | ||
| Average total assets | $2,211,021,500 | 345 |
| Average earning assets | $1,904,747,000 | 354 |
| Average equity | $264,211,000 | 291 |
| Average total loans | $1,835,114,000 | 304 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5856% | 2,551 |
| Cost of funding earning assets | 3.2366% | 1,081 |
| Net interest margin | 3.3490% | 5,865 |
| Noninterest income to average assets | 0.8249% | 2,384 |
| Noninterest expense to average assets | 3.0134% | 4,039 |
| Loan and lease loss provision to assets | 2.3061% | 486 |
| Net operating income to assets | -0.9941% | 7,248 |
| Return on assets (ROA) | -2.1760% | 7,603 |
| Pretax return on assets | -3.4159% | 7,795 |
| Return on Equity (ROE) | -19.5239% | 7,751 |
| Retained earnings to average equity (ytd only) | -21.0264% | 7,705 |
| Net charge-offs to loans | 0.6070% | 2,018 |
| Credit loss provision to net charge-offs | 462.7052% | 952 |
| Earnings coverage of net charge-offs (x) | 1.4787% | 5,363 |
| Efficiency ratio | 79.5601% | 2,658 |
| Assets per employee ($millions) | 4.3304% | 2,912 |
| Cash dividends to net income (ytd only)* | -7.6957% | 7,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3047% | 850 |
| Loan loss allowance to noncurrent loans | 134.3684% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 1.5826% | 3,071 |
| Noncurrent loans to loans | 1.7152% | 3,195 |
| Net loans and leases to total assets | 80.5722% | 1,530 |
| Net loans and leases to deposits | 106.8421% | 1,058 |
| Net loans and leases to core deposits | 128.6784% | 1,949 |
| Total domestic deposits to total assets | 75.4124% | 6,362 |
| Equity capital to assets | 11.7779% | 2,450 |
| Core capital (leverage) ratio | 8.0840% | 6,349 |
| Tier 1 risk-based capital ratio | 8.7874% | 7,916 |
| Total risk-based capital ratio | 10.0488% | 7,966 |
| Memoranda: | ||
| Average total assets | $2,090,091,800 | 346 |
| Average earning assets | $1,825,757,000 | 356 |
| Average equity | $232,945,400 | 327 |
| Average total loans | $1,716,093,800 | 316 |