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Greater Atlantic Bank, Performance and Condition Ratios
| 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 | 3.8681% | 7,847 |
| Cost of funding earning assets | 3.1040% | 242 |
| Net interest margin | 0.7641% | 8,036 |
| Noninterest income to average assets | 0.2216% | 6,640 |
| Noninterest expense to average assets | 4.2949% | 921 |
| Loan and lease loss provision to assets | 0.5097% | 3,345 |
| Net operating income to assets | -3.8523% | 7,730 |
| Return on assets (ROA) | -3.8517% | 7,731 |
| Pretax return on assets | -3.8517% | 7,666 |
| Return on Equity (ROE) | -1,436.7511% | 8,098 |
| Retained earnings to average equity (ytd only) | -1,436.7511% | 8,098 |
| Net charge-offs to loans | 0.7982% | 2,369 |
| Credit loss provision to net charge-offs | 91.2698% | 5,445 |
| Earnings coverage of net charge-offs (x) | -5.9853% | 6,870 |
| Efficiency ratio | 450.9973% | 36 |
| Assets per employee ($millions) | 4.4187% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 6,759 |
| Loan loss allowance to noncurrent loans | 37.8013% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 2.5720% | 2,698 |
| Noncurrent loans to loans | 2.3765% | 3,171 |
| Net loans and leases to total assets | 69.7942% | 3,567 |
| Net loans and leases to deposits | 79.1445% | 4,540 |
| Net loans and leases to core deposits | 111.4406% | 3,076 |
| Total domestic deposits to total assets | 88.1857% | 1,574 |
| Equity capital to assets | -0.8255% | 8,087 |
| Core capital (leverage) ratio | 1.5275% | 8,060 |
| Tier 1 risk-based capital ratio | 2.1962% | 8,057 |
| Total risk-based capital ratio | 3.1081% | 8,063 |
| Memoranda: | ||
| Average total assets | $210,569,500 | 3,081 |
| Average earning assets | $201,367,500 | 2,964 |
| Average equity | $564,500 | 8,092 |
| Average total loans | $147,320,250 | 2,991 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8910% | 7,946 |
| Cost of funding earning assets | 3.2799% | 219 |
| Net interest margin | 0.6112% | 8,135 |
| Noninterest income to average assets | 0.2253% | 6,679 |
| Noninterest expense to average assets | 4.1145% | 1,170 |
| Loan and lease loss provision to assets | 0.5446% | 2,844 |
| Net operating income to assets | -3.8497% | 7,810 |
| Return on assets (ROA) | -3.8487% | 7,806 |
| Pretax return on assets | -3.8487% | 7,720 |
| Return on Equity (ROE) | -624.8476% | 8,186 |
| Retained earnings to average equity (ytd only) | -624.8476% | 8,186 |
| Net charge-offs to loans | 0.5635% | 2,635 |
| Credit loss provision to net charge-offs | 138.4248% | 3,379 |
| Earnings coverage of net charge-offs (x) | -8.4010% | 6,506 |
| Efficiency ratio | 508.3527% | 36 |
| Assets per employee ($millions) | 4.3587% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 6,085 |
| Loan loss allowance to noncurrent loans | 29.8406% | 6,495 |
| Noncurrent assets plus other real estate owned to assets | 3.1920% | 1,965 |
| Noncurrent loans to loans | 3.4144% | 2,064 |
| Net loans and leases to total assets | 71.0388% | 3,455 |
| Net loans and leases to deposits | 82.3239% | 4,170 |
| Net loans and leases to core deposits | 115.4480% | 2,766 |
| Total domestic deposits to total assets | 86.2919% | 2,630 |
| Equity capital to assets | -0.0844% | 8,173 |
| Core capital (leverage) ratio | 2.4568% | 8,135 |
| Tier 1 risk-based capital ratio | 3.4849% | 8,133 |
| Total risk-based capital ratio | 4.5124% | 8,137 |
| Memoranda: | ||
| Average total assets | $213,005,330 | 3,074 |
| Average earning assets | $203,545,670 | 2,954 |
| Average equity | $1,312,000 | 8,119 |
| Average total loans | $148,710,000 | 3,006 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0178% | 7,987 |
| Cost of funding earning assets | 3.4361% | 173 |
| Net interest margin | 0.5817% | 8,195 |
| Noninterest income to average assets | 0.1916% | 6,929 |
| Noninterest expense to average assets | 3.9064% | 1,302 |
| Loan and lease loss provision to assets | 0.5417% | 2,305 |
| Net operating income to assets | -3.7019% | 7,949 |
| Return on assets (ROA) | -3.7000% | 7,942 |
| Pretax return on assets | -3.7000% | 7,868 |
| Return on Equity (ROE) | -390.9467% | 8,228 |
| Retained earnings to average equity (ytd only) | -390.9467% | 8,228 |
| Net charge-offs to loans | -0.1444% | 7,967 |
| Credit loss provision to net charge-offs | -544.4444% | 6,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 523.4568% | 36 |
| Assets per employee ($millions) | 4.7567% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 5,300 |
| Loan loss allowance to noncurrent loans | 34.8284% | 6,228 |
| Noncurrent assets plus other real estate owned to assets | 2.8262% | 2,011 |
| Noncurrent loans to loans | 3.2263% | 2,001 |
| Net loans and leases to total assets | 67.7632% | 4,192 |
| Net loans and leases to deposits | 77.9708% | 4,925 |
| Net loans and leases to core deposits | 109.3356% | 3,521 |
| Total domestic deposits to total assets | 86.9085% | 2,264 |
| Equity capital to assets | 0.3661% | 8,235 |
| Core capital (leverage) ratio | 3.2207% | 8,199 |
| Tier 1 risk-based capital ratio | 4.8438% | 8,180 |
| Total risk-based capital ratio | 5.9818% | 8,181 |
| Memoranda: | ||
| Average total assets | $217,079,500 | 3,035 |
| Average earning assets | $206,977,000 | 2,922 |
| Average equity | $2,054,500 | 8,046 |
| Average total loans | $149,552,000 | 3,009 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5246% | 7,236 |
| Cost of funding earning assets | 3.7593% | 223 |
| Net interest margin | 1.7652% | 8,138 |
| Noninterest income to average assets | 0.2152% | 6,894 |
| Noninterest expense to average assets | 4.4539% | 905 |
| Loan and lease loss provision to assets | 1.6586% | 787 |
| Net operating income to assets | -5.0065% | 8,090 |
| Return on assets (ROA) | -5.0065% | 8,080 |
| Pretax return on assets | -4.2337% | 7,933 |
| Return on Equity (ROE) | -99.2470% | 8,275 |
| Retained earnings to average equity (ytd only) | -99.2470% | 8,271 |
| Net charge-offs to loans | 3.0063% | 297 |
| Credit loss provision to net charge-offs | 77.3676% | 5,952 |
| Earnings coverage of net charge-offs (x) | -1.2012% | 6,625 |
| Efficiency ratio | 214.0554% | 181 |
| Assets per employee ($millions) | 4.3950% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8964% | 6,695 |
| Loan loss allowance to noncurrent loans | 31.2383% | 6,643 |
| Noncurrent assets plus other real estate owned to assets | 2.6055% | 1,844 |
| Noncurrent loans to loans | 2.8696% | 1,882 |
| Net loans and leases to total assets | 68.6371% | 4,336 |
| Net loans and leases to deposits | 80.1901% | 5,010 |
| Net loans and leases to core deposits | 111.3034% | 3,636 |
| Total domestic deposits to total assets | 85.5930% | 2,587 |
| Equity capital to assets | 1.5361% | 8,289 |
| Core capital (leverage) ratio | 4.1856% | 8,252 |
| Tier 1 risk-based capital ratio | 6.3082% | 8,215 |
| Total risk-based capital ratio | 7.2271% | 8,234 |
| Memoranda: | ||
| Average total assets | $221,153,800 | 2,864 |
| Average earning assets | $208,414,800 | 2,794 |
| Average equity | $11,156,000 | 5,081 |
| Average total loans | $157,701,600 | 2,806 |