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Omni National Bank, Performance and Condition Ratios
| 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 | 6.4447% | 3,208 |
| Cost of funding earning assets | 4.8532% | 5 |
| Net interest margin | 1.5915% | 8,174 |
| Noninterest income to average assets | 1.1720% | 1,124 |
| Noninterest expense to average assets | 3.7393% | 1,879 |
| Loan and lease loss provision to assets | 1.2363% | 1,162 |
| Net operating income to assets | -1.4891% | 7,459 |
| Return on assets (ROA) | -1.4775% | 7,401 |
| Pretax return on assets | -2.4291% | 7,572 |
| Return on Equity (ROE) | -25.9244% | 7,877 |
| Retained earnings to average equity (ytd only) | -25.9244% | 7,826 |
| Net charge-offs to loans | 3.0979% | 282 |
| Credit loss provision to net charge-offs | 61.4849% | 6,214 |
| Earnings coverage of net charge-offs (x) | -0.6022% | 6,513 |
| Efficiency ratio | 147.7978% | 362 |
| Assets per employee ($millions) | 6.8027% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7719% | 222 |
| Loan loss allowance to noncurrent loans | 18.9891% | 7,276 |
| Noncurrent assets plus other real estate owned to assets | 19.3200% | 27 |
| Noncurrent loans to loans | 19.8636% | 37 |
| Net loans and leases to total assets | 56.2980% | 6,397 |
| Net loans and leases to deposits | 67.8165% | 6,481 |
| Net loans and leases to core deposits | 87.0779% | 6,056 |
| Total domestic deposits to total assets | 83.0153% | 3,767 |
| Equity capital to assets | 4.9887% | 8,192 |
| Core capital (leverage) ratio | 2.9980% | 8,277 |
| Tier 1 risk-based capital ratio | 4.2384% | 8,273 |
| Total risk-based capital ratio | 5.7882% | 8,270 |
| Memoranda: | ||
| Average total assets | $986,003,400 | 666 |
| Average earning assets | $840,333,400 | 719 |
| Average equity | $56,194,200 | 1,197 |
| Average total loans | $639,974,200 | 748 |