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New Frontier Bank, 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 | 6.1691% | 1,697 |
| Cost of funding earning assets | 3.9857% | 30 |
| Net interest margin | 2.1834% | 7,812 |
| Noninterest income to average assets | 0.1666% | 7,112 |
| Noninterest expense to average assets | 2.3231% | 6,455 |
| Loan and lease loss provision to assets | 21.4856% | 6 |
| Net operating income to assets | -20.4037% | 8,223 |
| Return on assets (ROA) | -20.7276% | 8,220 |
| Pretax return on assets | -22.0002% | 8,218 |
| Return on Equity (ROE) | -359.9631% | 8,224 |
| Retained earnings to average equity (ytd only) | -359.9631% | 8,224 |
| Net charge-offs to loans | 13.0666% | 32 |
| Credit loss provision to net charge-offs | 199.2335% | 2,234 |
| Earnings coverage of net charge-offs (x) | -0.0158% | 4,996 |
| Efficiency ratio | 107.8947% | 863 |
| Assets per employee ($millions) | 7.8176% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0712% | 64 |
| Loan loss allowance to noncurrent loans | 37.7249% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 16.3561% | 58 |
| Noncurrent loans to loans | 16.0934% | 80 |
| Net loans and leases to total assets | 81.1829% | 1,164 |
| Net loans and leases to deposits | 96.2786% | 1,902 |
| Net loans and leases to core deposits | 117.2318% | 2,662 |
| Total domestic deposits to total assets | 84.3208% | 3,545 |
| Equity capital to assets | 3.4097% | 8,190 |
| Core capital (leverage) ratio | 3.2929% | 8,196 |
| Tier 1 risk-based capital ratio | 3.8171% | 8,205 |
| Total risk-based capital ratio | 5.1231% | 8,206 |
| Memoranda: | ||
| Average total assets | $1,891,967,500 | 394 |
| Average earning assets | $1,721,351,000 | 395 |
| Average equity | $108,944,500 | 614 |
| Average total loans | $1,561,479,500 | 351 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1372% | 842 |
| Cost of funding earning assets | 4.4672% | 15 |
| Net interest margin | 2.6700% | 7,546 |
| Noninterest income to average assets | -0.0087% | 8,160 |
| Noninterest expense to average assets | 1.6503% | 7,916 |
| Loan and lease loss provision to assets | 1.8679% | 669 |
| Net operating income to assets | -0.5771% | 6,986 |
| Return on assets (ROA) | -0.5634% | 6,861 |
| Pretax return on assets | -1.0190% | 7,008 |
| Return on Equity (ROE) | -6.9516% | 7,044 |
| Retained earnings to average equity (ytd only) | -6.9516% | 6,778 |
| Net charge-offs to loans | 1.5189% | 760 |
| Credit loss provision to net charge-offs | 153.8257% | 3,398 |
| Earnings coverage of net charge-offs (x) | 0.6815% | 5,817 |
| Efficiency ratio | 66.6012% | 5,004 |
| Assets per employee ($millions) | 8.4783% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6745% | 575 |
| Loan loss allowance to noncurrent loans | 35.6878% | 6,364 |
| Noncurrent assets plus other real estate owned to assets | 8.0821% | 284 |
| Noncurrent loans to loans | 7.4941% | 380 |
| Net loans and leases to total assets | 76.9741% | 2,385 |
| Net loans and leases to deposits | 92.2836% | 3,084 |
| Net loans and leases to core deposits | 111.6480% | 3,600 |
| Total domestic deposits to total assets | 83.4103% | 3,607 |
| Equity capital to assets | 7.8324% | 7,060 |
| Core capital (leverage) ratio | 7.7010% | 6,928 |
| Tier 1 risk-based capital ratio | 9.1229% | 7,691 |
| Total risk-based capital ratio | 10.3877% | 7,647 |
| Memoranda: | ||
| Average total assets | $2,012,657,800 | 361 |
| Average earning assets | $1,874,343,000 | 347 |
| Average equity | $163,129,000 | 435 |
| Average total loans | $1,609,088,600 | 330 |