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The Tattnall Bank, Performance and Condition Ratios
| 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 | 6.4135% | 904 |
| Cost of funding earning assets | 3.3076% | 136 |
| Net interest margin | 3.1059% | 6,301 |
| Noninterest income to average assets | 0.7830% | 2,526 |
| Noninterest expense to average assets | 6.7285% | 221 |
| Loan and lease loss provision to assets | 1.7758% | 1,044 |
| Net operating income to assets | -5.1152% | 7,855 |
| Return on assets (ROA) | -5.1468% | 7,857 |
| Pretax return on assets | -5.1468% | 7,829 |
| Return on Equity (ROE) | -130.0796% | 8,049 |
| Retained earnings to average equity (ytd only) | -130.0796% | 8,048 |
| Net charge-offs to loans | 4.9642% | 233 |
| Credit loss provision to net charge-offs | 52.3968% | 6,279 |
| Earnings coverage of net charge-offs (x) | -0.9853% | 6,627 |
| Efficiency ratio | 198.5353% | 155 |
| Assets per employee ($millions) | 2.4806% | 7,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5542% | 1,011 |
| Loan loss allowance to noncurrent loans | 38.8840% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 13.4524% | 169 |
| Noncurrent loans to loans | 6.5687% | 868 |
| Net loans and leases to total assets | 68.0561% | 3,947 |
| Net loans and leases to deposits | 71.6858% | 5,700 |
| Net loans and leases to core deposits | 105.6115% | 3,743 |
| Total domestic deposits to total assets | 94.9367% | 36 |
| Equity capital to assets | 1.6045% | 8,061 |
| Core capital (leverage) ratio | 1.5311% | 8,059 |
| Tier 1 risk-based capital ratio | 2.0175% | 8,061 |
| Total risk-based capital ratio | 3.2822% | 8,060 |
| Memoranda: | ||
| Average total assets | $59,090,500 | 6,421 |
| Average earning assets | $49,582,000 | 6,594 |
| Average equity | $2,338,000 | 7,839 |
| Average total loans | $40,341,000 | 6,140 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4642% | 888 |
| Cost of funding earning assets | 3.4152% | 145 |
| Net interest margin | 3.0490% | 6,406 |
| Noninterest income to average assets | 0.6747% | 3,156 |
| Noninterest expense to average assets | 4.5398% | 748 |
| Loan and lease loss provision to assets | 0.3663% | 3,735 |
| Net operating income to assets | -1.6096% | 7,295 |
| Return on assets (ROA) | -1.6450% | 7,305 |
| Pretax return on assets | -1.6450% | 7,147 |
| Return on Equity (ROE) | -35.9046% | 7,798 |
| Retained earnings to average equity (ytd only) | -35.9046% | 7,781 |
| Net charge-offs to loans | 1.7993% | 1,049 |
| Credit loss provision to net charge-offs | 30.0000% | 6,029 |
| Earnings coverage of net charge-offs (x) | -1.0184% | 6,230 |
| Efficiency ratio | 137.7193% | 453 |
| Assets per employee ($millions) | 2.4632% | 7,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4346% | 402 |
| Loan loss allowance to noncurrent loans | 73.2967% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 11.4981% | 206 |
| Noncurrent loans to loans | 4.6859% | 1,350 |
| Net loans and leases to total assets | 66.2030% | 4,528 |
| Net loans and leases to deposits | 71.9802% | 5,740 |
| Net loans and leases to core deposits | 91.7376% | 5,372 |
| Total domestic deposits to total assets | 91.9739% | 221 |
| Equity capital to assets | 4.5187% | 8,073 |
| Core capital (leverage) ratio | 4.2366% | 8,077 |
| Tier 1 risk-based capital ratio | 5.7353% | 8,069 |
| Total risk-based capital ratio | 7.0221% | 8,074 |
| Memoranda: | ||
| Average total assets | $62,250,000 | 6,362 |
| Average earning assets | $53,525,330 | 6,491 |
| Average equity | $2,852,000 | 7,775 |
| Average total loans | $42,238,330 | 6,101 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9339% | 2,630 |
| Cost of funding earning assets | 3.3400% | 239 |
| Net interest margin | 2.5939% | 7,374 |
| Noninterest income to average assets | 0.8240% | 2,205 |
| Noninterest expense to average assets | 3.8986% | 1,313 |
| Loan and lease loss provision to assets | 0.6764% | 1,870 |
| Net operating income to assets | -1.4635% | 7,479 |
| Return on assets (ROA) | -1.5619% | 7,525 |
| Pretax return on assets | -1.5619% | 7,392 |
| Return on Equity (ROE) | -33.8893% | 7,938 |
| Retained earnings to average equity (ytd only) | -33.8893% | 7,898 |
| Net charge-offs to loans | 1.5203% | 952 |
| Credit loss provision to net charge-offs | 65.8683% | 4,422 |
| Earnings coverage of net charge-offs (x) | -0.7665% | 5,318 |
| Efficiency ratio | 125.2964% | 563 |
| Assets per employee ($millions) | 2.6256% | 7,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7193% | 272 |
| Loan loss allowance to noncurrent loans | 66.3371% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 11.2196% | 171 |
| Noncurrent loans to loans | 5.6067% | 905 |
| Net loans and leases to total assets | 63.3865% | 5,092 |
| Net loans and leases to deposits | 68.6141% | 6,118 |
| Net loans and leases to core deposits | 90.4875% | 5,512 |
| Total domestic deposits to total assets | 92.3812% | 134 |
| Equity capital to assets | 4.5434% | 8,142 |
| Core capital (leverage) ratio | 4.3675% | 8,157 |
| Tier 1 risk-based capital ratio | 5.8356% | 8,144 |
| Total risk-based capital ratio | 7.1100% | 8,150 |
| Memoranda: | ||
| Average total assets | $65,048,500 | 6,288 |
| Average earning assets | $57,365,000 | 6,359 |
| Average equity | $2,998,000 | 7,788 |
| Average total loans | $43,937,500 | 6,059 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5378% | 386 |
| Cost of funding earning assets | 3.8078% | 195 |
| Net interest margin | 3.7299% | 4,328 |
| Noninterest income to average assets | 0.5150% | 4,512 |
| Noninterest expense to average assets | 3.6840% | 1,981 |
| Loan and lease loss provision to assets | 2.2119% | 522 |
| Net operating income to assets | -2.0280% | 7,609 |
| Return on assets (ROA) | -2.4190% | 7,654 |
| Pretax return on assets | -2.4190% | 7,567 |
| Return on Equity (ROE) | -39.4011% | 8,073 |
| Retained earnings to average equity (ytd only) | -44.1540% | 8,080 |
| Net charge-offs to loans | 2.0134% | 534 |
| Credit loss provision to net charge-offs | 150.9960% | 3,475 |
| Earnings coverage of net charge-offs (x) | 0.1255% | 6,171 |
| Efficiency ratio | 95.2471% | 1,207 |
| Assets per employee ($millions) | 2.7951% | 6,568 |
| Cash dividends to net income (ytd only)* | -12.0627% | 7,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4491% | 293 |
| Loan loss allowance to noncurrent loans | 53.6013% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 8.7430% | 241 |
| Noncurrent loans to loans | 6.4347% | 501 |
| Net loans and leases to total assets | 66.7675% | 4,690 |
| Net loans and leases to deposits | 72.3360% | 6,021 |
| Net loans and leases to core deposits | 97.8930% | 5,052 |
| Total domestic deposits to total assets | 92.3020% | 99 |
| Equity capital to assets | 4.6704% | 8,217 |
| Core capital (leverage) ratio | 4.4063% | 8,247 |
| Tier 1 risk-based capital ratio | 5.8740% | 8,235 |
| Total risk-based capital ratio | 7.1456% | 8,237 |
| Memoranda: | ||
| Average total assets | $68,539,800 | 6,077 |
| Average earning assets | $61,609,800 | 6,103 |
| Average equity | $4,208,000 | 7,429 |
| Average total loans | $49,866,600 | 5,712 |