Home > Oglethorpe Bank > Performance and Condition Ratios
Oglethorpe Bank, Performance and Condition Ratios
| 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 | 4.5205% | 6,336 |
| Cost of funding earning assets | 2.2319% | 273 |
| Net interest margin | 2.2886% | 7,376 |
| Noninterest income to average assets | 0.0791% | 6,990 |
| Noninterest expense to average assets | 3.2184% | 3,020 |
| Loan and lease loss provision to assets | 5.3182% | 64 |
| Net operating income to assets | -6.3828% | 7,590 |
| Return on assets (ROA) | -6.2552% | 7,590 |
| Pretax return on assets | -6.2682% | 7,592 |
| Return on Equity (ROE) | -356.6861% | 7,656 |
| Retained earnings to average equity (ytd only) | -356.6861% | 7,656 |
| Net charge-offs to loans | 10.3200% | 14 |
| Credit loss provision to net charge-offs | 66.6090% | 5,945 |
| Earnings coverage of net charge-offs (x) | -0.1350% | 6,249 |
| Efficiency ratio | 150.3323% | 210 |
| Assets per employee ($millions) | 5.8653% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9999% | 867 |
| Loan loss allowance to noncurrent loans | 12.0790% | 7,060 |
| Noncurrent assets plus other real estate owned to assets | 26.3231% | 21 |
| Noncurrent loans to loans | 24.8355% | 44 |
| Net loans and leases to total assets | 72.9390% | 1,891 |
| Net loans and leases to deposits | 76.4815% | 3,768 |
| Net loans and leases to core deposits | 83.1417% | 3,728 |
| Total domestic deposits to total assets | 95.3682% | 51 |
| Equity capital to assets | -2.6829% | 7,657 |
| Core capital (leverage) ratio | -2.3725% | 7,657 |
| Tier 1 risk-based capital ratio | -3.2943% | 7,657 |
| Total risk-based capital ratio | -3.2943% | 7,657 |
| Memoranda: | ||
| Average total assets | $238,970,000 | 2,644 |
| Average earning assets | $215,286,000 | 2,686 |
| Average equity | $4,190,800 | 6,925 |
| Average total loans | $184,884,600 | 2,300 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5906% | 6,360 |
| Cost of funding earning assets | 2.2131% | 371 |
| Net interest margin | 2.3776% | 7,452 |
| Noninterest income to average assets | 0.0499% | 7,268 |
| Noninterest expense to average assets | 2.8957% | 4,104 |
| Loan and lease loss provision to assets | 3.3614% | 228 |
| Net operating income to assets | -4.0396% | 7,575 |
| Return on assets (ROA) | -3.8743% | 7,573 |
| Pretax return on assets | -3.8867% | 7,552 |
| Return on Equity (ROE) | -143.1723% | 7,725 |
| Retained earnings to average equity (ytd only) | -143.1723% | 7,725 |
| Net charge-offs to loans | 8.5071% | 34 |
| Credit loss provision to net charge-offs | 50.7656% | 5,871 |
| Earnings coverage of net charge-offs (x) | -0.1043% | 6,113 |
| Efficiency ratio | 131.3253% | 291 |
| Assets per employee ($millions) | 6.2320% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9706% | 844 |
| Loan loss allowance to noncurrent loans | 18.0679% | 6,976 |
| Noncurrent assets plus other real estate owned to assets | 18.3468% | 86 |
| Noncurrent loans to loans | 16.4415% | 131 |
| Net loans and leases to total assets | 72.5117% | 2,129 |
| Net loans and leases to deposits | 78.5963% | 3,712 |
| Net loans and leases to core deposits | 85.6742% | 3,705 |
| Total domestic deposits to total assets | 92.2584% | 154 |
| Equity capital to assets | 1.0209% | 7,745 |
| Core capital (leverage) ratio | 1.0339% | 7,737 |
| Tier 1 risk-based capital ratio | 1.3992% | 7,738 |
| Total risk-based capital ratio | 2.6755% | 7,739 |
| Memoranda: | ||
| Average total assets | $245,925,250 | 2,620 |
| Average earning assets | $222,912,250 | 2,634 |
| Average equity | $6,654,750 | 6,221 |
| Average total loans | $191,412,500 | 2,272 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6805% | 6,205 |
| Cost of funding earning assets | 2.1838% | 488 |
| Net interest margin | 2.4968% | 7,423 |
| Noninterest income to average assets | 0.0765% | 7,206 |
| Noninterest expense to average assets | 2.8227% | 4,384 |
| Loan and lease loss provision to assets | 2.4299% | 474 |
| Net operating income to assets | -2.8888% | 7,492 |
| Return on assets (ROA) | -2.7542% | 7,479 |
| Pretax return on assets | -2.7661% | 7,429 |
| Return on Equity (ROE) | -85.4812% | 7,712 |
| Retained earnings to average equity (ytd only) | -85.4812% | 7,710 |
| Net charge-offs to loans | 7.7107% | 69 |
| Credit loss provision to net charge-offs | 40.0000% | 5,613 |
| Earnings coverage of net charge-offs (x) | -0.0775% | 5,783 |
| Efficiency ratio | 120.0203% | 417 |
| Assets per employee ($millions) | 6.3284% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4938% | 545 |
| Loan loss allowance to noncurrent loans | 24.5168% | 6,705 |
| Noncurrent assets plus other real estate owned to assets | 15.3661% | 133 |
| Noncurrent loans to loans | 14.2506% | 195 |
| Net loans and leases to total assets | 75.3275% | 1,622 |
| Net loans and leases to deposits | 82.7835% | 3,119 |
| Net loans and leases to core deposits | 91.0249% | 3,120 |
| Total domestic deposits to total assets | 90.9934% | 484 |
| Equity capital to assets | 2.5570% | 7,772 |
| Core capital (leverage) ratio | 2.0815% | 7,772 |
| Tier 1 risk-based capital ratio | 2.8710% | 7,778 |
| Total risk-based capital ratio | 4.1513% | 7,778 |
| Memoranda: | ||
| Average total assets | $251,038,670 | 2,590 |
| Average earning assets | $228,777,000 | 2,594 |
| Average equity | $8,088,330 | 5,768 |
| Average total loans | $197,776,670 | 2,237 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7143% | 6,198 |
| Cost of funding earning assets | 2.1784% | 633 |
| Net interest margin | 2.5358% | 7,443 |
| Noninterest income to average assets | -0.1592% | 7,785 |
| Noninterest expense to average assets | 2.8371% | 4,335 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.6492% | 6,927 |
| Return on assets (ROA) | -0.6492% | 6,957 |
| Pretax return on assets | -0.6601% | 6,877 |
| Return on Equity (ROE) | -18.3705% | 7,400 |
| Retained earnings to average equity (ytd only) | -18.3705% | 7,320 |
| Net charge-offs to loans | 9.1868% | 66 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.0908% | 5,093 |
| Efficiency ratio | 130.3226% | 334 |
| Assets per employee ($millions) | 6.4398% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2763% | 651 |
| Loan loss allowance to noncurrent loans | 27.5298% | 6,563 |
| Noncurrent assets plus other real estate owned to assets | 12.4176% | 235 |
| Noncurrent loans to loans | 11.9008% | 296 |
| Net loans and leases to total assets | 76.1132% | 1,519 |
| Net loans and leases to deposits | 85.0257% | 2,758 |
| Net loans and leases to core deposits | 95.3121% | 2,663 |
| Total domestic deposits to total assets | 89.5179% | 1,238 |
| Equity capital to assets | 3.5485% | 7,824 |
| Core capital (leverage) ratio | 3.0251% | 7,834 |
| Tier 1 risk-based capital ratio | 4.2051% | 7,834 |
| Total risk-based capital ratio | 5.4835% | 7,836 |
| Memoranda: | ||
| Average total assets | $256,319,000 | 2,592 |
| Average earning assets | $236,134,000 | 2,576 |
| Average equity | $9,058,000 | 5,530 |
| Average total loans | $202,813,000 | 2,242 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3434% | 4,968 |
| Cost of funding earning assets | 2.8137% | 429 |
| Net interest margin | 2.5297% | 7,395 |
| Noninterest income to average assets | -0.0344% | 7,753 |
| Noninterest expense to average assets | 2.5310% | 6,023 |
| Loan and lease loss provision to assets | 6.1470% | 104 |
| Net operating income to assets | -5.4469% | 7,795 |
| Return on assets (ROA) | -5.4479% | 7,785 |
| Pretax return on assets | -6.3480% | 7,830 |
| Return on Equity (ROE) | -80.2612% | 7,864 |
| Retained earnings to average equity (ytd only) | -80.2612% | 7,861 |
| Net charge-offs to loans | 3.8011% | 463 |
| Credit loss provision to net charge-offs | 195.6945% | 2,024 |
| Earnings coverage of net charge-offs (x) | -0.0636% | 6,287 |
| Efficiency ratio | 108.5710% | 830 |
| Assets per employee ($millions) | 6.5372% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3531% | 136 |
| Loan loss allowance to noncurrent loans | 67.0804% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 8.3717% | 515 |
| Noncurrent loans to loans | 7.9801% | 630 |
| Net loans and leases to total assets | 75.2840% | 1,968 |
| Net loans and leases to deposits | 84.0756% | 3,255 |
| Net loans and leases to core deposits | 128.3918% | 1,372 |
| Total domestic deposits to total assets | 89.5433% | 1,186 |
| Equity capital to assets | 3.5199% | 7,889 |
| Core capital (leverage) ratio | 2.8679% | 7,914 |
| Tier 1 risk-based capital ratio | 3.9788% | 7,909 |
| Total risk-based capital ratio | 5.2854% | 7,910 |
| Memoranda: | ||
| Average total assets | $261,751,800 | 2,499 |
| Average earning assets | $244,768,800 | 2,454 |
| Average equity | $17,767,000 | 3,537 |
| Average total loans | $216,306,600 | 2,138 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3733% | 5,075 |
| Cost of funding earning assets | 2.9374% | 397 |
| Net interest margin | 2.4360% | 7,534 |
| Noninterest income to average assets | -0.0942% | 7,926 |
| Noninterest expense to average assets | 2.4648% | 6,198 |
| Loan and lease loss provision to assets | 2.8798% | 532 |
| Net operating income to assets | -1.9561% | 7,297 |
| Return on assets (ROA) | -1.9570% | 7,298 |
| Pretax return on assets | -3.1568% | 7,543 |
| Return on Equity (ROE) | -25.7381% | 7,520 |
| Retained earnings to average equity (ytd only) | -25.7381% | 7,500 |
| Net charge-offs to loans | 3.2724% | 489 |
| Credit loss provision to net charge-offs | 105.5037% | 4,819 |
| Earnings coverage of net charge-offs (x) | -0.1009% | 6,182 |
| Efficiency ratio | 112.5843% | 721 |
| Assets per employee ($millions) | 6.4827% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6669% | 2,742 |
| Loan loss allowance to noncurrent loans | 57.9967% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 4.1314% | 1,525 |
| Noncurrent loans to loans | 2.8740% | 2,646 |
| Net loans and leases to total assets | 79.0374% | 1,387 |
| Net loans and leases to deposits | 91.2108% | 2,361 |
| Net loans and leases to core deposits | 135.9691% | 1,100 |
| Total domestic deposits to total assets | 86.6535% | 2,353 |
| Equity capital to assets | 7.4340% | 7,352 |
| Core capital (leverage) ratio | 7.0900% | 7,365 |
| Tier 1 risk-based capital ratio | 9.0095% | 7,619 |
| Total risk-based capital ratio | 10.2700% | 7,625 |
| Memoranda: | ||
| Average total assets | $261,818,000 | 2,513 |
| Average earning assets | $245,428,000 | 2,463 |
| Average equity | $19,907,750 | 3,250 |
| Average total loans | $218,385,250 | 2,142 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3313% | 5,495 |
| Cost of funding earning assets | 3.0329% | 423 |
| Net interest margin | 2.2984% | 7,677 |
| Noninterest income to average assets | 0.1060% | 7,446 |
| Noninterest expense to average assets | 2.5145% | 6,075 |
| Loan and lease loss provision to assets | 2.1728% | 735 |
| Net operating income to assets | -1.5655% | 7,278 |
| Return on assets (ROA) | -1.5655% | 7,284 |
| Pretax return on assets | -2.4216% | 7,403 |
| Return on Equity (ROE) | -20.4336% | 7,515 |
| Retained earnings to average equity (ytd only) | -20.4336% | 7,466 |
| Net charge-offs to loans | 2.5740% | 658 |
| Credit loss provision to net charge-offs | 99.9647% | 4,621 |
| Earnings coverage of net charge-offs (x) | -0.1144% | 5,809 |
| Efficiency ratio | 110.9793% | 828 |
| Assets per employee ($millions) | 6.1663% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 3,100 |
| Loan loss allowance to noncurrent loans | 49.0164% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 4.4690% | 1,255 |
| Noncurrent loans to loans | 3.0947% | 2,313 |
| Net loans and leases to total assets | 81.8227% | 981 |
| Net loans and leases to deposits | 95.7062% | 1,844 |
| Net loans and leases to core deposits | 145.8611% | 765 |
| Total domestic deposits to total assets | 85.4936% | 3,016 |
| Equity capital to assets | 8.0032% | 6,750 |
| Core capital (leverage) ratio | 7.8207% | 6,587 |
| Tier 1 risk-based capital ratio | 10.0850% | 6,839 |
| Total risk-based capital ratio | 11.3077% | 6,788 |
| Memoranda: | ||
| Average total assets | $260,493,330 | 2,542 |
| Average earning assets | $244,780,330 | 2,478 |
| Average equity | $19,957,330 | 3,249 |
| Average total loans | $219,968,330 | 2,157 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3327% | 5,740 |
| Cost of funding earning assets | 2.9979% | 610 |
| Net interest margin | 2.3348% | 7,684 |
| Noninterest income to average assets | 0.4440% | 4,844 |
| Noninterest expense to average assets | 2.6136% | 5,395 |
| Loan and lease loss provision to assets | 3.0699% | 354 |
| Net operating income to assets | -1.9506% | 7,645 |
| Return on assets (ROA) | -1.9506% | 7,646 |
| Pretax return on assets | -3.0347% | 7,766 |
| Return on Equity (ROE) | -26.0365% | 7,859 |
| Retained earnings to average equity (ytd only) | -26.0365% | 7,790 |
| Net charge-offs to loans | 3.2073% | 394 |
| Credit loss provision to net charge-offs | 112.4509% | 3,449 |
| Earnings coverage of net charge-offs (x) | 0.0129% | 4,966 |
| Efficiency ratio | 98.6705% | 1,185 |
| Assets per employee ($millions) | 6.2742% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 2,666 |
| Loan loss allowance to noncurrent loans | 45.8142% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 3.4089% | 1,588 |
| Noncurrent loans to loans | 3.4193% | 1,869 |
| Net loans and leases to total assets | 81.1900% | 1,162 |
| Net loans and leases to deposits | 95.5464% | 2,022 |
| Net loans and leases to core deposits | 146.4570% | 838 |
| Total domestic deposits to total assets | 84.9744% | 3,218 |
| Equity capital to assets | 7.7341% | 7,146 |
| Core capital (leverage) ratio | 8.1655% | 6,164 |
| Tier 1 risk-based capital ratio | 9.9281% | 7,007 |
| Total risk-based capital ratio | 11.1877% | 6,895 |
| Memoranda: | ||
| Average total assets | $261,248,500 | 2,537 |
| Average earning assets | $246,706,500 | 2,478 |
| Average equity | $19,572,500 | 3,327 |
| Average total loans | $222,367,000 | 2,161 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6185% | 2,393 |
| Cost of funding earning assets | 3.3991% | 710 |
| Net interest margin | 3.2194% | 6,307 |
| Noninterest income to average assets | 0.4198% | 5,301 |
| Noninterest expense to average assets | 2.7912% | 4,859 |
| Loan and lease loss provision to assets | 0.7880% | 1,892 |
| Net operating income to assets | -0.0749% | 6,473 |
| Return on assets (ROA) | -0.0679% | 6,315 |
| Pretax return on assets | -0.1082% | 6,279 |
| Return on Equity (ROE) | -0.8967% | 6,351 |
| Retained earnings to average equity (ytd only) | -4.8946% | 6,495 |
| Net charge-offs to loans | 0.4191% | 2,723 |
| Credit loss provision to net charge-offs | 214.2353% | 2,256 |
| Earnings coverage of net charge-offs (x) | 1.8188% | 5,166 |
| Efficiency ratio | 80.6653% | 2,506 |
| Assets per employee ($millions) | 5.8769% | 1,207 |
| Cash dividends to net income (ytd only)* | -445.8599% | 8,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4694% | 2,837 |
| Loan loss allowance to noncurrent loans | 77.1503% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 2.1950% | 2,228 |
| Noncurrent loans to loans | 1.9046% | 2,893 |
| Net loans and leases to total assets | 86.6382% | 519 |
| Net loans and leases to deposits | 100.5594% | 1,779 |
| Net loans and leases to core deposits | 160.8710% | 556 |
| Total domestic deposits to total assets | 86.1562% | 2,333 |
| Equity capital to assets | 7.2333% | 7,600 |
| Core capital (leverage) ratio | 7.1583% | 7,559 |
| Tier 1 risk-based capital ratio | 9.1423% | 7,672 |
| Total risk-based capital ratio | 10.3892% | 7,645 |
| Memoranda: | ||
| Average total assets | $231,084,000 | 2,751 |
| Average earning assets | $218,236,600 | 2,675 |
| Average equity | $17,509,000 | 3,643 |
| Average total loans | $202,818,800 | 2,275 |