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Rock River 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 | 5.0556% | 6,598 |
| Cost of funding earning assets | 1.9161% | 4,186 |
| Net interest margin | 3.1395% | 6,127 |
| Noninterest income to average assets | 0.6362% | 3,435 |
| Noninterest expense to average assets | 3.9062% | 1,472 |
| Loan and lease loss provision to assets | 2.5841% | 596 |
| Net operating income to assets | -3.0187% | 7,677 |
| Return on assets (ROA) | -14.2869% | 8,154 |
| Pretax return on assets | -14.2869% | 8,156 |
| Return on Equity (ROE) | -796.4505% | 8,189 |
| Retained earnings to average equity (ytd only) | -796.4505% | 8,189 |
| Net charge-offs to loans | 0.1596% | 4,602 |
| Credit loss provision to net charge-offs | 2,407.3171% | 218 |
| Earnings coverage of net charge-offs (x) | -4.0488% | 6,436 |
| Efficiency ratio | 112.5189% | 784 |
| Assets per employee ($millions) | 2.9923% | 6,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4638% | 389 |
| Loan loss allowance to noncurrent loans | 29.9147% | 6,485 |
| Noncurrent assets plus other real estate owned to assets | 12.4278% | 163 |
| Noncurrent loans to loans | 11.5791% | 247 |
| Net loans and leases to total assets | 64.0038% | 4,980 |
| Net loans and leases to deposits | 63.9286% | 6,571 |
| Net loans and leases to core deposits | 72.5158% | 6,868 |
| Total domestic deposits to total assets | 100.1176% | 9 |
| Equity capital to assets | -0.5240% | 8,175 |
| Core capital (leverage) ratio | 0.0000% | 8,174 |
| Tier 1 risk-based capital ratio | 0.0000% | 8,174 |
| Total risk-based capital ratio | 0.0000% | 8,174 |
| Memoranda: | ||
| Average total assets | $76,391,670 | 5,906 |
| Average earning assets | $68,992,670 | 5,921 |
| Average equity | $1,370,330 | 8,111 |
| Average total loans | $51,393,330 | 5,702 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2193% | 6,223 |
| Cost of funding earning assets | 1.7800% | 5,211 |
| Net interest margin | 3.4393% | 4,975 |
| Noninterest income to average assets | 0.6789% | 3,013 |
| Noninterest expense to average assets | 3.1717% | 3,104 |
| Loan and lease loss provision to assets | 4.5968% | 195 |
| Net operating income to assets | -3.7200% | 7,953 |
| Return on assets (ROA) | -24.6737% | 8,226 |
| Pretax return on assets | -26.0418% | 8,226 |
| Return on Equity (ROE) | -845.8361% | 8,243 |
| Retained earnings to average equity (ytd only) | -845.8361% | 8,243 |
| Net charge-offs to loans | 0.0076% | 5,566 |
| Credit loss provision to net charge-offs | 88,700.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 367 |
| Efficiency ratio | 83.8356% | 2,326 |
| Assets per employee ($millions) | 3.2098% | 5,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2803% | 384 |
| Loan loss allowance to noncurrent loans | 33.5968% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 10.5316% | 201 |
| Noncurrent loans to loans | 9.7638% | 309 |
| Net loans and leases to total assets | 63.4595% | 5,080 |
| Net loans and leases to deposits | 64.3398% | 6,525 |
| Net loans and leases to core deposits | 76.9095% | 6,617 |
| Total domestic deposits to total assets | 98.6318% | 9 |
| Equity capital to assets | 0.8308% | 8,234 |
| Core capital (leverage) ratio | 0.8613% | 8,237 |
| Tier 1 risk-based capital ratio | 0.8698% | 8,237 |
| Total risk-based capital ratio | 1.7397% | 8,237 |
| Memoranda: | ||
| Average total assets | $77,183,500 | 5,907 |
| Average earning assets | $69,664,500 | 5,923 |
| Average equity | $2,251,500 | 7,991 |
| Average total loans | $52,291,000 | 5,703 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3095% | 3,913 |
| Cost of funding earning assets | 2.2198% | 5,511 |
| Net interest margin | 4.0897% | 2,759 |
| Noninterest income to average assets | 0.5528% | 4,208 |
| Noninterest expense to average assets | 2.7058% | 5,240 |
| Loan and lease loss provision to assets | 1.6834% | 769 |
| Net operating income to assets | 0.0373% | 6,265 |
| Return on assets (ROA) | -0.6702% | 6,947 |
| Pretax return on assets | -0.6747% | 6,794 |
| Return on Equity (ROE) | -11.0244% | 7,345 |
| Retained earnings to average equity (ytd only) | -18.9928% | 7,652 |
| Net charge-offs to loans | 2.0523% | 520 |
| Credit loss provision to net charge-offs | 130.7080% | 4,071 |
| Earnings coverage of net charge-offs (x) | 1.3381% | 5,457 |
| Efficiency ratio | 61.0911% | 6,142 |
| Assets per employee ($millions) | 3.0933% | 5,790 |
| Cash dividends to net income (ytd only)* | -72.2789% | 8,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 3,032 |
| Loan loss allowance to noncurrent loans | 28.3719% | 6,806 |
| Noncurrent assets plus other real estate owned to assets | 5.0458% | 683 |
| Noncurrent loans to loans | 5.0353% | 866 |
| Net loans and leases to total assets | 68.8796% | 4,284 |
| Net loans and leases to deposits | 80.2634% | 5,000 |
| Net loans and leases to core deposits | 99.1309% | 4,913 |
| Total domestic deposits to total assets | 85.8170% | 2,487 |
| Equity capital to assets | 4.9953% | 8,190 |
| Core capital (leverage) ratio | 6.0149% | 8,075 |
| Tier 1 risk-based capital ratio | 9.2137% | 7,600 |
| Total risk-based capital ratio | 10.4648% | 7,545 |
| Memoranda: | ||
| Average total assets | $87,736,800 | 5,429 |
| Average earning assets | $83,160,400 | 5,325 |
| Average equity | $5,333,600 | 7,031 |
| Average total loans | $55,060,800 | 5,486 |