Home > The Gordon Bank > Performance and Condition Ratios
The Gordon Bank, Performance and Condition Ratios
| 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 | 3.5929% | 7,496 |
| Cost of funding earning assets | 1.1627% | 5,075 |
| Net interest margin | 2.4302% | 7,419 |
| Noninterest income to average assets | -2.1627% | 7,754 |
| Noninterest expense to average assets | 4.8320% | 434 |
| Loan and lease loss provision to assets | 2.3521% | 464 |
| Net operating income to assets | -7.3031% | 7,720 |
| Return on assets (ROA) | -7.3031% | 7,723 |
| Pretax return on assets | -7.3031% | 7,719 |
| Return on Equity (ROE) | -181.2347% | 7,741 |
| Retained earnings to average equity (ytd only) | -181.2347% | 7,741 |
| Net charge-offs to loans | 6.4298% | 83 |
| Credit loss provision to net charge-offs | 68.1992% | 5,471 |
| Earnings coverage of net charge-offs (x) | -1.4355% | 6,497 |
| Efficiency ratio | -4,062.9630% | 7,759 |
| Assets per employee ($millions) | 2.4383% | 7,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5486% | 240 |
| Loan loss allowance to noncurrent loans | 14.4467% | 7,085 |
| Noncurrent assets plus other real estate owned to assets | 25.6092% | 19 |
| Noncurrent loans to loans | 31.4856% | 15 |
| Net loans and leases to total assets | 46.9052% | 6,624 |
| Net loans and leases to deposits | 51.0813% | 6,943 |
| Net loans and leases to core deposits | 51.6931% | 7,060 |
| Total domestic deposits to total assets | 91.8247% | 224 |
| Equity capital to assets | 1.0595% | 7,744 |
| Core capital (leverage) ratio | -0.1395% | 7,753 |
| Tier 1 risk-based capital ratio | -0.2790% | 7,753 |
| Total risk-based capital ratio | -0.2790% | 7,753 |
| Memoranda: | ||
| Average total assets | $30,269,500 | 7,283 |
| Average earning assets | $25,457,000 | 7,335 |
| Average equity | $1,219,750 | 7,712 |
| Average total loans | $16,236,500 | 7,202 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7756% | 7,500 |
| Cost of funding earning assets | 1.2094% | 5,071 |
| Net interest margin | 2.5662% | 7,376 |
| Noninterest income to average assets | -3.8750% | 7,828 |
| Noninterest expense to average assets | 4.5219% | 559 |
| Loan and lease loss provision to assets | 2.2479% | 526 |
| Net operating income to assets | -8.4819% | 7,794 |
| Return on assets (ROA) | -8.4819% | 7,794 |
| Pretax return on assets | -8.4819% | 7,792 |
| Return on Equity (ROE) | -170.4531% | 7,790 |
| Retained earnings to average equity (ytd only) | -170.4531% | 7,790 |
| Net charge-offs to loans | 6.0513% | 133 |
| Credit loss provision to net charge-offs | 67.4510% | 5,033 |
| Earnings coverage of net charge-offs (x) | -1.8706% | 6,201 |
| Efficiency ratio | -264.1221% | 7,821 |
| Assets per employee ($millions) | 2.4541% | 7,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5714% | 241 |
| Loan loss allowance to noncurrent loans | 16.2049% | 7,106 |
| Noncurrent assets plus other real estate owned to assets | 22.0788% | 38 |
| Noncurrent loans to loans | 28.2099% | 25 |
| Net loans and leases to total assets | 52.2429% | 6,184 |
| Net loans and leases to deposits | 57.6260% | 6,598 |
| Net loans and leases to core deposits | 58.3207% | 6,811 |
| Total domestic deposits to total assets | 90.6584% | 620 |
| Equity capital to assets | 2.2751% | 7,780 |
| Core capital (leverage) ratio | 1.0484% | 7,806 |
| Tier 1 risk-based capital ratio | 2.0530% | 7,796 |
| Total risk-based capital ratio | 3.3489% | 7,796 |
| Memoranda: | ||
| Average total assets | $30,606,330 | 7,324 |
| Average earning assets | $25,797,330 | 7,379 |
| Average equity | $1,523,000 | 7,752 |
| Average total loans | $16,856,000 | 7,227 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9745% | 7,477 |
| Cost of funding earning assets | 1.2575% | 5,075 |
| Net interest margin | 2.7169% | 7,279 |
| Noninterest income to average assets | 1.2698% | 755 |
| Noninterest expense to average assets | 4.0019% | 1,029 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.4874% | 6,819 |
| Return on assets (ROA) | -0.4874% | 6,843 |
| Pretax return on assets | -0.4874% | 6,770 |
| Return on Equity (ROE) | -7.7969% | 7,045 |
| Retained earnings to average equity (ytd only) | -7.7969% | 6,815 |
| Net charge-offs to loans | 0.1161% | 4,280 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -7.6000% | 5,553 |
| Efficiency ratio | 113.8686% | 531 |
| Assets per employee ($millions) | 2.6458% | 6,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1606% | 155 |
| Loan loss allowance to noncurrent loans | 15.8741% | 7,183 |
| Noncurrent assets plus other real estate owned to assets | 27.2756% | 15 |
| Noncurrent loans to loans | 32.5096% | 15 |
| Net loans and leases to total assets | 51.9780% | 6,275 |
| Net loans and leases to deposits | 59.4681% | 6,513 |
| Net loans and leases to core deposits | 60.1509% | 6,733 |
| Total domestic deposits to total assets | 87.4047% | 2,409 |
| Equity capital to assets | 6.0819% | 7,611 |
| Core capital (leverage) ratio | 5.2553% | 7,683 |
| Tier 1 risk-based capital ratio | 8.6205% | 7,544 |
| Total risk-based capital ratio | 9.9182% | 7,557 |
| Memoranda: | ||
| Average total assets | $31,185,000 | 7,398 |
| Average earning assets | $25,764,500 | 7,467 |
| Average equity | $1,949,500 | 7,753 |
| Average total loans | $17,223,000 | 7,303 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5492% | 7,821 |
| Cost of funding earning assets | 1.6117% | 4,979 |
| Net interest margin | 1.9375% | 7,769 |
| Noninterest income to average assets | -0.1236% | 7,818 |
| Noninterest expense to average assets | 4.9510% | 538 |
| Loan and lease loss provision to assets | 0.9884% | 2,295 |
| Net operating income to assets | -3.7437% | 7,562 |
| Return on assets (ROA) | -3.5036% | 7,514 |
| Pretax return on assets | -4.1008% | 7,556 |
| Return on Equity (ROE) | -44.3774% | 7,621 |
| Retained earnings to average equity (ytd only) | -44.3774% | 7,610 |
| Net charge-offs to loans | 6.3755% | 153 |
| Credit loss provision to net charge-offs | 25.4932% | 6,920 |
| Earnings coverage of net charge-offs (x) | -0.8756% | 6,856 |
| Efficiency ratio | 318.1474% | 60 |
| Assets per employee ($millions) | 2.5517% | 7,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2977% | 140 |
| Loan loss allowance to noncurrent loans | 15.9259% | 7,214 |
| Noncurrent assets plus other real estate owned to assets | 29.8040% | 12 |
| Noncurrent loans to loans | 33.2649% | 13 |
| Net loans and leases to total assets | 52.7172% | 6,339 |
| Net loans and leases to deposits | 60.7367% | 6,584 |
| Net loans and leases to core deposits | 68.0551% | 6,879 |
| Total domestic deposits to total assets | 86.7962% | 2,610 |
| Equity capital to assets | 6.4272% | 7,578 |
| Core capital (leverage) ratio | 5.3248% | 7,732 |
| Tier 1 risk-based capital ratio | 8.8314% | 7,528 |
| Total risk-based capital ratio | 10.1250% | 7,538 |
| Memoranda: | ||
| Average total assets | $33,993,200 | 7,322 |
| Average earning assets | $29,471,200 | 7,376 |
| Average equity | $2,683,800 | 7,682 |
| Average total loans | $20,672,800 | 7,157 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6659% | 7,902 |
| Cost of funding earning assets | 1.6805% | 4,994 |
| Net interest margin | 1.9853% | 7,820 |
| Noninterest income to average assets | 1.0563% | 1,426 |
| Noninterest expense to average assets | 4.8569% | 542 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -2.0553% | 7,344 |
| Return on assets (ROA) | -1.6879% | 7,185 |
| Pretax return on assets | -1.6879% | 7,043 |
| Return on Equity (ROE) | -20.5393% | 7,391 |
| Retained earnings to average equity (ytd only) | -20.5393% | 7,358 |
| Net charge-offs to loans | 3.5217% | 422 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -0.9421% | 6,614 |
| Efficiency ratio | 173.3607% | 221 |
| Assets per employee ($millions) | 2.8308% | 6,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6110% | 60 |
| Loan loss allowance to noncurrent loans | 18.4795% | 7,170 |
| Noncurrent assets plus other real estate owned to assets | 25.0052% | 19 |
| Noncurrent loans to loans | 35.7750% | 8 |
| Net loans and leases to total assets | 54.6852% | 6,306 |
| Net loans and leases to deposits | 63.7671% | 6,509 |
| Net loans and leases to core deposits | 77.2519% | 6,544 |
| Total domestic deposits to total assets | 85.7576% | 2,827 |
| Equity capital to assets | 8.0014% | 6,846 |
| Core capital (leverage) ratio | 7.0983% | 7,362 |
| Tier 1 risk-based capital ratio | 11.9596% | 5,012 |
| Total risk-based capital ratio | 13.2778% | 4,886 |
| Memoranda: | ||
| Average total assets | $34,836,500 | 7,345 |
| Average earning assets | $30,624,250 | 7,392 |
| Average equity | $2,862,750 | 7,700 |
| Average total loans | $21,579,750 | 7,173 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4482% | 8,036 |
| Cost of funding earning assets | 1.7208% | 5,170 |
| Net interest margin | 1.7274% | 7,962 |
| Noninterest income to average assets | 1.1274% | 1,236 |
| Noninterest expense to average assets | 5.1358% | 470 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -2.4996% | 7,559 |
| Return on assets (ROA) | -2.4996% | 7,550 |
| Pretax return on assets | -2.4996% | 7,420 |
| Return on Equity (ROE) | -30.1615% | 7,709 |
| Retained earnings to average equity (ytd only) | -30.1615% | 7,686 |
| Net charge-offs to loans | 5.1665% | 237 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -0.7675% | 6,168 |
| Efficiency ratio | 194.8164% | 210 |
| Assets per employee ($millions) | 2.9133% | 6,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3633% | 65 |
| Loan loss allowance to noncurrent loans | 20.4358% | 7,104 |
| Noncurrent assets plus other real estate owned to assets | 22.5915% | 32 |
| Noncurrent loans to loans | 31.1379% | 17 |
| Net loans and leases to total assets | 55.2660% | 6,306 |
| Net loans and leases to deposits | 64.1318% | 6,549 |
| Net loans and leases to core deposits | 77.7662% | 6,555 |
| Total domestic deposits to total assets | 86.1756% | 2,689 |
| Equity capital to assets | 7.7803% | 7,004 |
| Core capital (leverage) ratio | 6.8839% | 7,609 |
| Tier 1 risk-based capital ratio | 10.7968% | 6,085 |
| Total risk-based capital ratio | 12.1042% | 5,965 |
| Memoranda: | ||
| Average total assets | $35,125,670 | 7,401 |
| Average earning assets | $30,682,670 | 7,449 |
| Average equity | $2,911,000 | 7,759 |
| Average total loans | $22,142,670 | 7,203 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0323% | 8,139 |
| Cost of funding earning assets | 1.7400% | 5,417 |
| Net interest margin | 1.2922% | 8,111 |
| Noninterest income to average assets | 1.1815% | 1,051 |
| Noninterest expense to average assets | 5.7713% | 320 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -3.4424% | 7,912 |
| Return on assets (ROA) | -3.4424% | 7,909 |
| Pretax return on assets | -3.4424% | 7,828 |
| Return on Equity (ROE) | -40.3127% | 7,989 |
| Retained earnings to average equity (ytd only) | -40.3127% | 7,968 |
| Net charge-offs to loans | 5.6601% | 175 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.9352% | 5,346 |
| Efficiency ratio | 247.8049% | 127 |
| Assets per employee ($millions) | 2.9524% | 6,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3452% | 41 |
| Loan loss allowance to noncurrent loans | 20.3653% | 7,148 |
| Noncurrent assets plus other real estate owned to assets | 24.1328% | 19 |
| Noncurrent loans to loans | 36.0672% | 10 |
| Net loans and leases to total assets | 55.5788% | 6,298 |
| Net loans and leases to deposits | 64.7219% | 6,490 |
| Net loans and leases to core deposits | 77.7993% | 6,551 |
| Total domestic deposits to total assets | 85.8732% | 2,787 |
| Equity capital to assets | 8.0584% | 6,729 |
| Core capital (leverage) ratio | 7.2045% | 7,475 |
| Tier 1 risk-based capital ratio | 11.1845% | 5,716 |
| Total risk-based capital ratio | 12.5061% | 5,553 |
| Memoranda: | ||
| Average total assets | $35,208,500 | 7,436 |
| Average earning assets | $31,263,500 | 7,461 |
| Average equity | $3,006,500 | 7,783 |
| Average total loans | $22,897,000 | 7,188 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4195% | 7,437 |
| Cost of funding earning assets | 2.1283% | 5,935 |
| Net interest margin | 3.2911% | 6,070 |
| Noninterest income to average assets | 0.8850% | 2,029 |
| Noninterest expense to average assets | 4.7080% | 760 |
| Loan and lease loss provision to assets | 2.9562% | 309 |
| Net operating income to assets | -3.4982% | 7,911 |
| Return on assets (ROA) | -8.2350% | 8,224 |
| Pretax return on assets | -9.1148% | 8,231 |
| Return on Equity (ROE) | -61.6715% | 8,207 |
| Retained earnings to average equity (ytd only) | -61.6715% | 8,197 |
| Net charge-offs to loans | 0.2221% | 4,007 |
| Credit loss provision to net charge-offs | 1,946.5517% | 232 |
| Earnings coverage of net charge-offs (x) | -5.8966% | 6,853 |
| Efficiency ratio | 123.4890% | 537 |
| Assets per employee ($millions) | 2.1868% | 7,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6807% | 25 |
| Loan loss allowance to noncurrent loans | 25.6847% | 6,958 |
| Noncurrent assets plus other real estate owned to assets | 23.5052% | 19 |
| Noncurrent loans to loans | 29.9038% | 12 |
| Net loans and leases to total assets | 64.7565% | 5,118 |
| Net loans and leases to deposits | 77.4890% | 5,406 |
| Net loans and leases to core deposits | 93.5196% | 5,491 |
| Total domestic deposits to total assets | 83.5687% | 3,544 |
| Equity capital to assets | 9.0260% | 5,340 |
| Core capital (leverage) ratio | 8.1161% | 6,303 |
| Tier 1 risk-based capital ratio | 11.3882% | 5,344 |
| Total risk-based capital ratio | 12.7185% | 5,161 |
| Memoranda: | ||
| Average total assets | $38,190,600 | 7,295 |
| Average earning assets | $33,970,200 | 7,322 |
| Average equity | $5,099,600 | 7,112 |
| Average total loans | $26,118,800 | 6,958 |