Home > Nexity Bank > Performance and Condition Ratios
Nexity Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6338% | 7,461 |
| Cost of funding earning assets | 1.8401% | 327 |
| Net interest margin | 0.7937% | 7,537 |
| Noninterest income to average assets | 0.0732% | 7,023 |
| Noninterest expense to average assets | 2.8224% | 4,365 |
| Loan and lease loss provision to assets | 0.2439% | 3,227 |
| Net operating income to assets | -2.3207% | 7,322 |
| Return on assets (ROA) | -2.9395% | 7,393 |
| Pretax return on assets | -2.9158% | 7,371 |
| Return on Equity (ROE) | 2,008.8106% | 1 |
| Retained earnings to average equity (ytd only) | 2,008.8106% | 1 |
| Net charge-offs to loans | 0.9454% | 1,416 |
| Credit loss provision to net charge-offs | 56.6467% | 3,607 |
| Earnings coverage of net charge-offs (x) | -4.7677% | 5,022 |
| Efficiency ratio | 366.8231% | 20 |
| Assets per employee ($millions) | 9.9681% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1063% | 831 |
| Loan loss allowance to noncurrent loans | 13.8201% | 6,949 |
| Noncurrent assets plus other real estate owned to assets | 17.2864% | 100 |
| Noncurrent loans to loans | 22.4769% | 49 |
| Net loans and leases to total assets | 44.3113% | 6,446 |
| Net loans and leases to deposits | 54.8801% | 6,221 |
| Net loans and leases to core deposits | 57.4678% | 6,309 |
| Total domestic deposits to total assets | 80.7421% | 5,735 |
| Equity capital to assets | -0.4261% | 7,569 |
| Core capital (leverage) ratio | 0.0607% | 7,567 |
| Tier 1 risk-based capital ratio | 0.0974% | 7,567 |
| Total risk-based capital ratio | 0.1948% | 7,567 |
| Memoranda: | ||
| Average total assets | $775,639,000 | 870 |
| Average earning assets | $680,392,500 | 898 |
| Average equity | $-1,135,000 | 7,572 |
| Average total loans | $353,304,000 | 1,240 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0025% | 7,495 |
| Cost of funding earning assets | 2.0160% | 576 |
| Net interest margin | 0.9865% | 7,585 |
| Noninterest income to average assets | 0.1337% | 6,724 |
| Noninterest expense to average assets | 2.5498% | 5,614 |
| Loan and lease loss provision to assets | 1.2652% | 1,230 |
| Net operating income to assets | -2.8382% | 7,258 |
| Return on assets (ROA) | -2.4751% | 7,187 |
| Pretax return on assets | -2.4449% | 7,147 |
| Return on Equity (ROE) | -106.5340% | 7,600 |
| Retained earnings to average equity (ytd only) | -106.5340% | 7,600 |
| Net charge-offs to loans | 5.0953% | 168 |
| Credit loss provision to net charge-offs | 50.5529% | 6,248 |
| Earnings coverage of net charge-offs (x) | -0.6164% | 6,506 |
| Efficiency ratio | 253.2027% | 45 |
| Assets per employee ($millions) | 9.7988% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0887% | 809 |
| Loan loss allowance to noncurrent loans | 18.3250% | 6,870 |
| Noncurrent assets plus other real estate owned to assets | 14.5477% | 181 |
| Noncurrent loans to loans | 16.8550% | 111 |
| Net loans and leases to total assets | 43.9750% | 6,712 |
| Net loans and leases to deposits | 54.7239% | 6,548 |
| Net loans and leases to core deposits | 58.2354% | 6,540 |
| Total domestic deposits to total assets | 80.3579% | 5,732 |
| Equity capital to assets | 0.1207% | 7,647 |
| Core capital (leverage) ratio | 0.7248% | 7,636 |
| Tier 1 risk-based capital ratio | 1.2335% | 7,635 |
| Total risk-based capital ratio | 2.4670% | 7,635 |
| Memoranda: | ||
| Average total assets | $906,950,400 | 744 |
| Average earning assets | $802,828,400 | 759 |
| Average equity | $21,071,200 | 2,997 |
| Average total loans | $445,486,600 | 1,009 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0246% | 7,622 |
| Cost of funding earning assets | 2.0469% | 646 |
| Net interest margin | 0.9778% | 7,708 |
| Noninterest income to average assets | 0.8008% | 2,232 |
| Noninterest expense to average assets | 2.6018% | 5,318 |
| Loan and lease loss provision to assets | 0.4277% | 3,345 |
| Net operating income to assets | -1.3938% | 7,069 |
| Return on assets (ROA) | -0.9239% | 6,898 |
| Pretax return on assets | -0.8923% | 6,800 |
| Return on Equity (ROE) | -33.1084% | 7,431 |
| Retained earnings to average equity (ytd only) | -33.1084% | 7,425 |
| Net charge-offs to loans | 2.6379% | 626 |
| Credit loss provision to net charge-offs | 32.4816% | 6,128 |
| Earnings coverage of net charge-offs (x) | -0.7097% | 6,391 |
| Efficiency ratio | 156.0448% | 177 |
| Assets per employee ($millions) | 10.6145% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9384% | 390 |
| Loan loss allowance to noncurrent loans | 18.8557% | 6,949 |
| Noncurrent assets plus other real estate owned to assets | 15.4402% | 143 |
| Noncurrent loans to loans | 20.8871% | 64 |
| Net loans and leases to total assets | 43.0508% | 6,902 |
| Net loans and leases to deposits | 57.8974% | 6,468 |
| Net loans and leases to core deposits | 61.5838% | 6,492 |
| Total domestic deposits to total assets | 74.3571% | 6,881 |
| Equity capital to assets | 2.5151% | 7,710 |
| Core capital (leverage) ratio | 2.4799% | 7,701 |
| Tier 1 risk-based capital ratio | 4.1356% | 7,686 |
| Total risk-based capital ratio | 5.4543% | 7,688 |
| Memoranda: | ||
| Average total assets | $935,262,000 | 717 |
| Average earning assets | $828,952,750 | 729 |
| Average equity | $26,099,500 | 2,488 |
| Average total loans | $466,819,500 | 974 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1618% | 7,686 |
| Cost of funding earning assets | 2.1334% | 587 |
| Net interest margin | 1.0284% | 7,777 |
| Noninterest income to average assets | 1.0018% | 1,376 |
| Noninterest expense to average assets | 2.7607% | 4,658 |
| Loan and lease loss provision to assets | 0.4243% | 3,203 |
| Net operating income to assets | -1.3416% | 7,095 |
| Return on assets (ROA) | -0.7062% | 6,824 |
| Pretax return on assets | -0.6384% | 6,691 |
| Return on Equity (ROE) | -24.5263% | 7,364 |
| Retained earnings to average equity (ytd only) | -24.5263% | 7,350 |
| Net charge-offs to loans | 1.0554% | 1,779 |
| Credit loss provision to net charge-offs | 77.9727% | 4,766 |
| Earnings coverage of net charge-offs (x) | -1.5610% | 6,179 |
| Efficiency ratio | 144.4444% | 230 |
| Assets per employee ($millions) | 10.1605% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9526% | 176 |
| Loan loss allowance to noncurrent loans | 23.4774% | 6,762 |
| Noncurrent assets plus other real estate owned to assets | 16.1835% | 111 |
| Noncurrent loans to loans | 21.0952% | 67 |
| Net loans and leases to total assets | 45.7161% | 6,791 |
| Net loans and leases to deposits | 57.0838% | 6,651 |
| Net loans and leases to core deposits | 62.0054% | 6,547 |
| Total domestic deposits to total assets | 80.0860% | 5,702 |
| Equity capital to assets | 2.7498% | 7,766 |
| Core capital (leverage) ratio | 2.5583% | 7,758 |
| Tier 1 risk-based capital ratio | 4.3564% | 7,734 |
| Total risk-based capital ratio | 5.8784% | 7,724 |
| Memoranda: | ||
| Average total assets | $942,734,330 | 705 |
| Average earning assets | $833,705,670 | 720 |
| Average equity | $27,146,330 | 2,404 |
| Average total loans | $486,059,670 | 938 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3216% | 7,749 |
| Cost of funding earning assets | 2.1703% | 650 |
| Net interest margin | 1.1513% | 7,869 |
| Noninterest income to average assets | 1.0053% | 1,286 |
| Noninterest expense to average assets | 2.8455% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.8628% | 7,045 |
| Return on assets (ROA) | -0.5572% | 6,900 |
| Pretax return on assets | -0.4949% | 6,778 |
| Return on Equity (ROE) | -18.9434% | 7,419 |
| Retained earnings to average equity (ytd only) | -18.9434% | 7,347 |
| Net charge-offs to loans | 1.6191% | 1,073 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.9292% | 5,373 |
| Efficiency ratio | 139.1455% | 264 |
| Assets per employee ($millions) | 9.2935% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1457% | 329 |
| Loan loss allowance to noncurrent loans | 20.2710% | 6,994 |
| Noncurrent assets plus other real estate owned to assets | 14.9996% | 136 |
| Noncurrent loans to loans | 20.4516% | 70 |
| Net loans and leases to total assets | 49.4818% | 6,531 |
| Net loans and leases to deposits | 61.5118% | 6,322 |
| Net loans and leases to core deposits | 66.7667% | 6,230 |
| Total domestic deposits to total assets | 80.4429% | 5,640 |
| Equity capital to assets | 3.0218% | 7,846 |
| Core capital (leverage) ratio | 2.6564% | 7,860 |
| Tier 1 risk-based capital ratio | 4.4382% | 7,830 |
| Total risk-based capital ratio | 5.9420% | 7,821 |
| Memoranda: | ||
| Average total assets | $956,881,000 | 706 |
| Average earning assets | $864,039,000 | 711 |
| Average equity | $28,147,000 | 2,363 |
| Average total loans | $509,174,500 | 918 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9177% | 7,727 |
| Cost of funding earning assets | 2.6436% | 682 |
| Net interest margin | 1.2741% | 7,898 |
| Noninterest income to average assets | 1.1073% | 1,252 |
| Noninterest expense to average assets | 2.9322% | 4,418 |
| Loan and lease loss provision to assets | 4.8271% | 214 |
| Net operating income to assets | -5.8031% | 7,826 |
| Return on assets (ROA) | -5.5223% | 7,793 |
| Pretax return on assets | -5.2272% | 7,733 |
| Return on Equity (ROE) | -81.8460% | 7,873 |
| Retained earnings to average equity (ytd only) | -81.8460% | 7,869 |
| Net charge-offs to loans | 7.1419% | 111 |
| Credit loss provision to net charge-offs | 116.4597% | 4,658 |
| Earnings coverage of net charge-offs (x) | -0.1643% | 6,401 |
| Efficiency ratio | 126.4717% | 507 |
| Assets per employee ($millions) | 9.1983% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2245% | 311 |
| Loan loss allowance to noncurrent loans | 26.1090% | 6,726 |
| Noncurrent assets plus other real estate owned to assets | 12.6363% | 222 |
| Noncurrent loans to loans | 16.1804% | 139 |
| Net loans and leases to total assets | 52.4585% | 6,370 |
| Net loans and leases to deposits | 65.3551% | 6,128 |
| Net loans and leases to core deposits | 102.4742% | 3,751 |
| Total domestic deposits to total assets | 80.2670% | 5,596 |
| Equity capital to assets | 2.8627% | 7,924 |
| Core capital (leverage) ratio | 2.4889% | 7,932 |
| Tier 1 risk-based capital ratio | 4.2540% | 7,900 |
| Total risk-based capital ratio | 5.7481% | 7,896 |
| Memoranda: | ||
| Average total assets | $1,072,219,400 | 629 |
| Average earning assets | $962,735,800 | 629 |
| Average equity | $72,344,400 | 905 |
| Average total loans | $622,272,600 | 750 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9914% | 7,805 |
| Cost of funding earning assets | 2.7329% | 721 |
| Net interest margin | 1.2586% | 7,983 |
| Noninterest income to average assets | 1.0894% | 1,343 |
| Noninterest expense to average assets | 2.4722% | 6,171 |
| Loan and lease loss provision to assets | 2.2779% | 749 |
| Net operating income to assets | -1.4884% | 7,107 |
| Return on assets (ROA) | -1.2062% | 6,971 |
| Pretax return on assets | -2.0912% | 7,219 |
| Return on Equity (ROE) | -15.8700% | 7,230 |
| Retained earnings to average equity (ytd only) | -15.8700% | 7,181 |
| Net charge-offs to loans | 2.6648% | 678 |
| Credit loss provision to net charge-offs | 145.4933% | 3,343 |
| Earnings coverage of net charge-offs (x) | -0.1624% | 6,251 |
| Efficiency ratio | 111.4612% | 738 |
| Assets per employee ($millions) | 9.8301% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4804% | 429 |
| Loan loss allowance to noncurrent loans | 23.3144% | 6,885 |
| Noncurrent assets plus other real estate owned to assets | 11.5886% | 251 |
| Noncurrent loans to loans | 14.9279% | 147 |
| Net loans and leases to total assets | 55.1135% | 6,253 |
| Net loans and leases to deposits | 71.6752% | 5,703 |
| Net loans and leases to core deposits | 104.0683% | 3,925 |
| Total domestic deposits to total assets | 76.8934% | 6,364 |
| Equity capital to assets | 7.4647% | 7,325 |
| Core capital (leverage) ratio | 5.6049% | 7,859 |
| Tier 1 risk-based capital ratio | 8.6737% | 7,714 |
| Total risk-based capital ratio | 10.1365% | 7,681 |
| Memoranda: | ||
| Average total assets | $1,098,818,750 | 617 |
| Average earning assets | $985,317,250 | 623 |
| Average equity | $83,518,250 | 781 |
| Average total loans | $645,589,750 | 746 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1157% | 7,871 |
| Cost of funding earning assets | 2.8360% | 716 |
| Net interest margin | 1.2798% | 8,063 |
| Noninterest income to average assets | 1.1973% | 1,093 |
| Noninterest expense to average assets | 2.4856% | 6,165 |
| Loan and lease loss provision to assets | 1.4313% | 1,218 |
| Net operating income to assets | -0.8719% | 6,882 |
| Return on assets (ROA) | -0.5457% | 6,600 |
| Pretax return on assets | -1.0660% | 6,862 |
| Return on Equity (ROE) | -7.1397% | 6,818 |
| Retained earnings to average equity (ytd only) | -7.1397% | 6,579 |
| Net charge-offs to loans | 1.3906% | 1,346 |
| Credit loss provision to net charge-offs | 173.6556% | 2,648 |
| Earnings coverage of net charge-offs (x) | -0.1750% | 5,865 |
| Efficiency ratio | 106.1623% | 966 |
| Assets per employee ($millions) | 10.1126% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9108% | 609 |
| Loan loss allowance to noncurrent loans | 21.5445% | 7,039 |
| Noncurrent assets plus other real estate owned to assets | 9.8608% | 303 |
| Noncurrent loans to loans | 13.5106% | 167 |
| Net loans and leases to total assets | 54.2345% | 6,415 |
| Net loans and leases to deposits | 69.9124% | 5,998 |
| Net loans and leases to core deposits | 98.9590% | 4,603 |
| Total domestic deposits to total assets | 77.5749% | 6,185 |
| Equity capital to assets | 7.3552% | 7,379 |
| Core capital (leverage) ratio | 6.3844% | 7,840 |
| Tier 1 risk-based capital ratio | 9.6734% | 7,252 |
| Total risk-based capital ratio | 11.1168% | 7,004 |
| Memoranda: | ||
| Average total assets | $1,114,483,670 | 620 |
| Average earning assets | $996,275,000 | 627 |
| Average equity | $85,186,000 | 773 |
| Average total loans | $660,586,330 | 748 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1681% | 7,918 |
| Cost of funding earning assets | 2.9661% | 657 |
| Net interest margin | 1.2020% | 8,126 |
| Noninterest income to average assets | 1.1554% | 1,106 |
| Noninterest expense to average assets | 2.3394% | 6,403 |
| Loan and lease loss provision to assets | 1.4702% | 856 |
| Net operating income to assets | -0.8647% | 7,161 |
| Return on assets (ROA) | -0.3658% | 6,827 |
| Pretax return on assets | -0.8106% | 7,042 |
| Return on Equity (ROE) | -4.6954% | 6,957 |
| Retained earnings to average equity (ytd only) | -4.6954% | 6,515 |
| Net charge-offs to loans | 1.1042% | 1,232 |
| Credit loss provision to net charge-offs | 218.2062% | 2,074 |
| Earnings coverage of net charge-offs (x) | -0.1778% | 5,118 |
| Efficiency ratio | 105.3962% | 940 |
| Assets per employee ($millions) | 10.7813% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5696% | 711 |
| Loan loss allowance to noncurrent loans | 17.9588% | 7,265 |
| Noncurrent assets plus other real estate owned to assets | 9.8842% | 233 |
| Noncurrent loans to loans | 14.3080% | 112 |
| Net loans and leases to total assets | 56.6457% | 6,149 |
| Net loans and leases to deposits | 72.8379% | 5,640 |
| Net loans and leases to core deposits | 96.6710% | 4,880 |
| Total domestic deposits to total assets | 77.7696% | 6,089 |
| Equity capital to assets | 7.5201% | 7,337 |
| Core capital (leverage) ratio | 6.8379% | 7,741 |
| Tier 1 risk-based capital ratio | 9.4911% | 7,428 |
| Total risk-based capital ratio | 10.9178% | 7,203 |
| Memoranda: | ||
| Average total assets | $1,105,421,500 | 621 |
| Average earning assets | $978,663,000 | 642 |
| Average equity | $86,126,000 | 770 |
| Average total loans | $674,539,500 | 738 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4334% | 7,417 |
| Cost of funding earning assets | 3.3816% | 735 |
| Net interest margin | 2.0518% | 8,040 |
| Noninterest income to average assets | 1.0489% | 1,428 |
| Noninterest expense to average assets | 2.4845% | 6,073 |
| Loan and lease loss provision to assets | 2.7698% | 346 |
| Net operating income to assets | -1.3409% | 7,409 |
| Return on assets (ROA) | -1.1003% | 7,229 |
| Pretax return on assets | -1.9414% | 7,424 |
| Return on Equity (ROE) | -13.9367% | 7,539 |
| Retained earnings to average equity (ytd only) | -15.0389% | 7,461 |
| Net charge-offs to loans | 3.1677% | 272 |
| Credit loss provision to net charge-offs | 132.7249% | 4,011 |
| Earnings coverage of net charge-offs (x) | 0.2168% | 6,106 |
| Efficiency ratio | 84.5946% | 2,001 |
| Assets per employee ($millions) | 9.8807% | 272 |
| Cash dividends to net income (ytd only)* | -7.9079% | 7,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2160% | 933 |
| Loan loss allowance to noncurrent loans | 19.8348% | 7,248 |
| Noncurrent assets plus other real estate owned to assets | 8.6007% | 249 |
| Noncurrent loans to loans | 11.1724% | 162 |
| Net loans and leases to total assets | 62.7431% | 5,502 |
| Net loans and leases to deposits | 97.7854% | 2,158 |
| Net loans and leases to core deposits | 125.8270% | 2,174 |
| Total domestic deposits to total assets | 64.1640% | 7,784 |
| Equity capital to assets | 8.0871% | 6,721 |
| Core capital (leverage) ratio | 7.0455% | 7,658 |
| Tier 1 risk-based capital ratio | 8.9175% | 7,835 |
| Total risk-based capital ratio | 10.3305% | 7,697 |
| Memoranda: | ||
| Average total assets | $1,034,379,800 | 640 |
| Average earning assets | $951,794,400 | 630 |
| Average equity | $81,661,800 | 815 |
| Average total loans | $681,448,400 | 702 |