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Platinum Community Bank, Performance and Condition Ratios
| 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 | 3.6352% | 8,008 |
| Cost of funding earning assets | 1.6730% | 5,399 |
| Net interest margin | 1.9622% | 7,880 |
| Noninterest income to average assets | 19.8657% | 44 |
| Noninterest expense to average assets | 18.0637% | 62 |
| Loan and lease loss provision to assets | 5.1352% | 190 |
| Net operating income to assets | -1.5651% | 7,277 |
| Return on assets (ROA) | 0.2013% | 5,341 |
| Pretax return on assets | 0.2013% | 5,463 |
| Return on Equity (ROE) | 1.2960% | 5,535 |
| Retained earnings to average equity (ytd only) | 1.2960% | 4,616 |
| Net charge-offs to loans | 9.3046% | 71 |
| Credit loss provision to net charge-offs | 132.7647% | 3,516 |
| Earnings coverage of net charge-offs (x) | 0.9230% | 4,845 |
| Efficiency ratio | 82.9266% | 2,612 |
| Assets per employee ($millions) | 0.6243% | 8,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8670% | 138 |
| Loan loss allowance to noncurrent loans | 32.7050% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 6.2712% | 756 |
| Noncurrent loans to loans | 14.8814% | 137 |
| Net loans and leases to total assets | 37.3598% | 7,661 |
| Net loans and leases to deposits | 50.1679% | 7,478 |
| Net loans and leases to core deposits | 52.9250% | 7,685 |
| Total domestic deposits to total assets | 74.4696% | 6,872 |
| Equity capital to assets | 24.0476% | 229 |
| Core capital (leverage) ratio | 23.9967% | 228 |
| Tier 1 risk-based capital ratio | 63.4570% | 124 |
| Total risk-based capital ratio | 64.7536% | 120 |
| Memoranda: | ||
| Average total assets | $118,204,000 | 4,683 |
| Average earning assets | $106,515,330 | 4,710 |
| Average equity | $18,363,670 | 3,499 |
| Average total loans | $49,137,000 | 5,803 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2298% | 7,893 |
| Cost of funding earning assets | 1.9797% | 4,240 |
| Net interest margin | 2.2501% | 7,760 |
| Noninterest income to average assets | 17.0877% | 47 |
| Noninterest expense to average assets | 12.1480% | 87 |
| Loan and lease loss provision to assets | 4.5952% | 196 |
| Net operating income to assets | 2.3421% | 176 |
| Return on assets (ROA) | 2.3421% | 206 |
| Pretax return on assets | 2.3421% | 338 |
| Return on Equity (ROE) | 24.8078% | 197 |
| Retained earnings to average equity (ytd only) | 24.8078% | 87 |
| Net charge-offs to loans | 4.6313% | 242 |
| Credit loss provision to net charge-offs | 229.5938% | 1,992 |
| Earnings coverage of net charge-offs (x) | 3.4662% | 3,169 |
| Efficiency ratio | 62.9412% | 5,880 |
| Assets per employee ($millions) | 1.3201% | 8,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2081% | 58 |
| Loan loss allowance to noncurrent loans | 35.3880% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 7.3611% | 440 |
| Noncurrent loans to loans | 17.5429% | 58 |
| Net loans and leases to total assets | 34.5845% | 7,785 |
| Net loans and leases to deposits | 40.0890% | 7,838 |
| Net loans and leases to core deposits | 42.8731% | 7,926 |
| Total domestic deposits to total assets | 86.2693% | 2,576 |
| Equity capital to assets | 10.4926% | 3,471 |
| Core capital (leverage) ratio | 10.0147% | 3,391 |
| Tier 1 risk-based capital ratio | 33.4442% | 478 |
| Total risk-based capital ratio | 34.7745% | 470 |
| Memoranda: | ||
| Average total assets | $103,325,500 | 5,088 |
| Average earning assets | $91,730,000 | 5,157 |
| Average equity | $9,755,000 | 5,464 |
| Average total loans | $44,652,500 | 6,033 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7195% | 6,713 |
| Cost of funding earning assets | 3.9034% | 137 |
| Net interest margin | 1.8161% | 8,126 |
| Noninterest income to average assets | 2.9124% | 207 |
| Noninterest expense to average assets | 5.3761% | 535 |
| Loan and lease loss provision to assets | 3.8060% | 182 |
| Net operating income to assets | -4.6339% | 8,059 |
| Return on assets (ROA) | -4.6833% | 8,049 |
| Pretax return on assets | -4.6833% | 7,988 |
| Return on Equity (ROE) | -75.9359% | 8,241 |
| Retained earnings to average equity (ytd only) | -75.9359% | 8,236 |
| Net charge-offs to loans | 3.7132% | 204 |
| Credit loss provision to net charge-offs | 145.2061% | 3,635 |
| Earnings coverage of net charge-offs (x) | -0.3159% | 6,423 |
| Efficiency ratio | 116.6021% | 610 |
| Assets per employee ($millions) | 1.2186% | 8,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6214% | 124 |
| Loan loss allowance to noncurrent loans | 47.2512% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 6.3212% | 450 |
| Noncurrent loans to loans | 9.7805% | 219 |
| Net loans and leases to total assets | 49.6168% | 7,062 |
| Net loans and leases to deposits | 54.9275% | 7,385 |
| Net loans and leases to core deposits | 60.0694% | 7,585 |
| Total domestic deposits to total assets | 90.3316% | 541 |
| Equity capital to assets | 7.9809% | 6,875 |
| Core capital (leverage) ratio | 7.6693% | 6,975 |
| Tier 1 risk-based capital ratio | 18.6145% | 1,889 |
| Total risk-based capital ratio | 19.9206% | 1,826 |
| Memoranda: | ||
| Average total assets | $85,154,400 | 5,511 |
| Average earning assets | $76,702,000 | 5,558 |
| Average equity | $5,251,800 | 7,063 |
| Average total loans | $60,109,200 | 5,258 |