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Paragon Bank & Trust, Performance and Condition Ratios
| 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 | 4.4841% | 7,397 |
| Cost of funding earning assets | 2.3918% | 1,330 |
| Net interest margin | 2.0923% | 7,705 |
| Noninterest income to average assets | 1.1322% | 1,201 |
| Noninterest expense to average assets | 4.9564% | 535 |
| Loan and lease loss provision to assets | 4.0889% | 319 |
| Net operating income to assets | -6.5929% | 7,867 |
| Return on assets (ROA) | -6.5929% | 7,862 |
| Pretax return on assets | -6.0887% | 7,810 |
| Return on Equity (ROE) | -84.8412% | 7,885 |
| Retained earnings to average equity (ytd only) | -84.8412% | 7,880 |
| Net charge-offs to loans | 5.7548% | 188 |
| Credit loss provision to net charge-offs | 102.2368% | 5,409 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 6,691 |
| Efficiency ratio | 162.5306% | 244 |
| Assets per employee ($millions) | 6.6719% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3574% | 135 |
| Loan loss allowance to noncurrent loans | 67.2601% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 8.1432% | 540 |
| Noncurrent loans to loans | 7.9652% | 635 |
| Net loans and leases to total assets | 59.3924% | 5,435 |
| Net loans and leases to deposits | 66.4807% | 6,001 |
| Net loans and leases to core deposits | 78.5300% | 6,219 |
| Total domestic deposits to total assets | 89.3378% | 1,307 |
| Equity capital to assets | 6.4046% | 7,583 |
| Core capital (leverage) ratio | 4.8636% | 7,780 |
| Tier 1 risk-based capital ratio | 7.0111% | 7,746 |
| Total risk-based capital ratio | 8.3067% | 7,744 |
| Memoranda: | ||
| Average total assets | $110,664,800 | 4,805 |
| Average earning assets | $96,497,000 | 4,938 |
| Average equity | $8,599,600 | 5,732 |
| Average total loans | $76,909,200 | 4,625 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5607% | 7,451 |
| Cost of funding earning assets | 2.4706% | 1,389 |
| Net interest margin | 2.0900% | 7,775 |
| Noninterest income to average assets | 1.8463% | 435 |
| Noninterest expense to average assets | 5.0063% | 486 |
| Loan and lease loss provision to assets | 3.1492% | 449 |
| Net operating income to assets | -6.1982% | 7,934 |
| Return on assets (ROA) | -6.1982% | 7,932 |
| Pretax return on assets | -4.4796% | 7,751 |
| Return on Equity (ROE) | -76.5447% | 7,950 |
| Retained earnings to average equity (ytd only) | -76.5447% | 7,948 |
| Net charge-offs to loans | 4.4119% | 297 |
| Credit loss provision to net charge-offs | 100.3807% | 5,055 |
| Earnings coverage of net charge-offs (x) | -0.4241% | 6,444 |
| Efficiency ratio | 132.1313% | 454 |
| Assets per employee ($millions) | 6.4186% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9645% | 144 |
| Loan loss allowance to noncurrent loans | 52.5131% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 10.0421% | 335 |
| Noncurrent loans to loans | 9.4539% | 443 |
| Net loans and leases to total assets | 65.2398% | 4,593 |
| Net loans and leases to deposits | 73.4488% | 5,454 |
| Net loans and leases to core deposits | 87.4000% | 5,705 |
| Total domestic deposits to total assets | 88.8235% | 1,281 |
| Equity capital to assets | 6.6184% | 7,733 |
| Core capital (leverage) ratio | 4.7629% | 7,940 |
| Tier 1 risk-based capital ratio | 6.9247% | 7,903 |
| Total risk-based capital ratio | 8.2174% | 7,902 |
| Memoranda: | ||
| Average total assets | $111,643,250 | 4,813 |
| Average earning assets | $97,732,000 | 4,930 |
| Average equity | $9,040,250 | 5,651 |
| Average total loans | $79,388,750 | 4,565 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5713% | 7,565 |
| Cost of funding earning assets | 2.5845% | 1,331 |
| Net interest margin | 1.9867% | 7,873 |
| Noninterest income to average assets | 1.8076% | 446 |
| Noninterest expense to average assets | 5.0094% | 510 |
| Loan and lease loss provision to assets | 2.4288% | 650 |
| Net operating income to assets | -2.5597% | 7,576 |
| Return on assets (ROA) | -2.5597% | 7,566 |
| Pretax return on assets | -3.8909% | 7,725 |
| Return on Equity (ROE) | -29.9755% | 7,704 |
| Retained earnings to average equity (ytd only) | -29.9755% | 7,681 |
| Net charge-offs to loans | 4.1894% | 325 |
| Credit loss provision to net charge-offs | 80.6957% | 5,180 |
| Earnings coverage of net charge-offs (x) | -0.4858% | 6,069 |
| Efficiency ratio | 139.1540% | 440 |
| Assets per employee ($millions) | 7.1652% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2243% | 215 |
| Loan loss allowance to noncurrent loans | 39.3690% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 9.9945% | 294 |
| Noncurrent loans to loans | 10.7299% | 300 |
| Net loans and leases to total assets | 62.4356% | 5,279 |
| Net loans and leases to deposits | 71.9825% | 5,737 |
| Net loans and leases to core deposits | 82.4907% | 6,201 |
| Total domestic deposits to total assets | 86.7371% | 2,383 |
| Equity capital to assets | 9.1728% | 5,061 |
| Core capital (leverage) ratio | 5.7980% | 7,954 |
| Tier 1 risk-based capital ratio | 8.4586% | 7,850 |
| Total risk-based capital ratio | 9.7426% | 7,878 |
| Memoranda: | ||
| Average total assets | $114,625,000 | 4,758 |
| Average earning assets | $100,365,670 | 4,882 |
| Average equity | $9,788,000 | 5,424 |
| Average total loans | $82,351,670 | 4,514 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6320% | 7,590 |
| Cost of funding earning assets | 2.5556% | 1,721 |
| Net interest margin | 2.0764% | 7,865 |
| Noninterest income to average assets | 1.7484% | 446 |
| Noninterest expense to average assets | 5.0534% | 467 |
| Loan and lease loss provision to assets | 6.1143% | 123 |
| Net operating income to assets | -4.9801% | 8,039 |
| Return on assets (ROA) | -4.9801% | 8,030 |
| Pretax return on assets | -7.5592% | 8,097 |
| Return on Equity (ROE) | -60.5688% | 8,090 |
| Retained earnings to average equity (ytd only) | -60.5688% | 8,073 |
| Net charge-offs to loans | 7.6137% | 102 |
| Credit loss provision to net charge-offs | 106.8293% | 3,579 |
| Earnings coverage of net charge-offs (x) | -0.2524% | 5,166 |
| Efficiency ratio | 135.9768% | 448 |
| Assets per employee ($millions) | 7.6237% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2917% | 166 |
| Loan loss allowance to noncurrent loans | 56.5286% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 6.8758% | 504 |
| Noncurrent loans to loans | 7.5921% | 495 |
| Net loans and leases to total assets | 65.8531% | 4,616 |
| Net loans and leases to deposits | 74.4458% | 5,427 |
| Net loans and leases to core deposits | 85.8873% | 5,913 |
| Total domestic deposits to total assets | 88.4578% | 1,504 |
| Equity capital to assets | 7.4398% | 7,404 |
| Core capital (leverage) ratio | 5.7383% | 8,045 |
| Tier 1 risk-based capital ratio | 6.7854% | 8,109 |
| Total risk-based capital ratio | 8.0724% | 8,115 |
| Memoranda: | ||
| Average total assets | $114,616,000 | 4,786 |
| Average earning assets | $102,676,000 | 4,842 |
| Average equity | $9,424,000 | 5,560 |
| Average total loans | $86,160,000 | 4,421 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1423% | 4,816 |
| Cost of funding earning assets | 3.2121% | 1,155 |
| Net interest margin | 2.9302% | 7,080 |
| Noninterest income to average assets | 2.0933% | 322 |
| Noninterest expense to average assets | 4.3785% | 970 |
| Loan and lease loss provision to assets | 2.7418% | 355 |
| Net operating income to assets | -1.6088% | 7,506 |
| Return on assets (ROA) | -1.6088% | 7,454 |
| Pretax return on assets | -2.4339% | 7,573 |
| Return on Equity (ROE) | -16.4276% | 7,642 |
| Retained earnings to average equity (ytd only) | -16.4276% | 7,537 |
| Net charge-offs to loans | 1.1380% | 1,068 |
| Credit loss provision to net charge-offs | 275.8687% | 1,658 |
| Earnings coverage of net charge-offs (x) | 0.3098% | 6,050 |
| Efficiency ratio | 90.0102% | 1,517 |
| Assets per employee ($millions) | 4.8751% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9484% | 197 |
| Loan loss allowance to noncurrent loans | 54.1337% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 7.6268% | 318 |
| Noncurrent loans to loans | 7.2937% | 399 |
| Net loans and leases to total assets | 79.1596% | 1,846 |
| Net loans and leases to deposits | 91.8335% | 3,171 |
| Net loans and leases to core deposits | 106.5765% | 4,124 |
| Total domestic deposits to total assets | 86.1990% | 2,315 |
| Equity capital to assets | 9.1121% | 5,206 |
| Core capital (leverage) ratio | 7.5307% | 7,169 |
| Tier 1 risk-based capital ratio | 8.3660% | 8,019 |
| Total risk-based capital ratio | 9.6477% | 8,059 |
| Memoranda: | ||
| Average total assets | $104,236,400 | 4,925 |
| Average earning assets | $92,245,200 | 5,022 |
| Average equity | $10,208,400 | 5,340 |
| Average total loans | $91,037,600 | 4,194 |