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George Washington Savings Bank, 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 | 5.4290% | 4,539 |
| Cost of funding earning assets | 2.5154% | 996 |
| Net interest margin | 2.9136% | 6,837 |
| Noninterest income to average assets | 0.3392% | 5,665 |
| Noninterest expense to average assets | 1.9842% | 7,386 |
| Loan and lease loss provision to assets | 9.9286% | 14 |
| Net operating income to assets | -6.9484% | 7,892 |
| Return on assets (ROA) | -7.1207% | 7,895 |
| Pretax return on assets | -9.2145% | 7,953 |
| Return on Equity (ROE) | -90.6568% | 7,903 |
| Retained earnings to average equity (ytd only) | -90.6568% | 7,901 |
| Net charge-offs to loans | 7.3658% | 103 |
| Credit loss provision to net charge-offs | 161.8056% | 2,730 |
| Earnings coverage of net charge-offs (x) | 0.1528% | 6,009 |
| Efficiency ratio | 67.9030% | 5,020 |
| Assets per employee ($millions) | 7.6606% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1885% | 58 |
| Loan loss allowance to noncurrent loans | 17.5752% | 7,154 |
| Noncurrent assets plus other real estate owned to assets | 34.6987% | 4 |
| Noncurrent loans to loans | 40.9013% | 8 |
| Net loans and leases to total assets | 68.4050% | 3,611 |
| Net loans and leases to deposits | 71.5826% | 5,391 |
| Net loans and leases to core deposits | 90.1906% | 5,107 |
| Total domestic deposits to total assets | 95.5610% | 41 |
| Equity capital to assets | 3.3183% | 7,899 |
| Core capital (leverage) ratio | 2.7523% | 7,920 |
| Tier 1 risk-based capital ratio | 3.4498% | 7,930 |
| Total risk-based capital ratio | 4.7652% | 7,931 |
| Memoranda: | ||
| Average total assets | $413,372,200 | 1,668 |
| Average earning assets | $366,456,000 | 1,718 |
| Average equity | $32,468,600 | 2,061 |
| Average total loans | $344,363,000 | 1,407 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8911% | 2,490 |
| Cost of funding earning assets | 2.5507% | 1,153 |
| Net interest margin | 3.3404% | 5,490 |
| Noninterest income to average assets | 0.3191% | 5,927 |
| Noninterest expense to average assets | 1.6991% | 7,764 |
| Loan and lease loss provision to assets | 7.9037% | 44 |
| Net operating income to assets | -3.7977% | 7,727 |
| Return on assets (ROA) | -3.9967% | 7,755 |
| Pretax return on assets | -6.6049% | 7,946 |
| Return on Equity (ROE) | -44.4589% | 7,793 |
| Retained earnings to average equity (ytd only) | -44.4589% | 7,788 |
| Net charge-offs to loans | 5.3692% | 187 |
| Credit loss provision to net charge-offs | 171.7490% | 2,705 |
| Earnings coverage of net charge-offs (x) | 0.3498% | 5,673 |
| Efficiency ratio | 51.3503% | 7,460 |
| Assets per employee ($millions) | 7.3941% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8266% | 156 |
| Loan loss allowance to noncurrent loans | 18.1893% | 7,189 |
| Noncurrent assets plus other real estate owned to assets | 21.8929% | 37 |
| Noncurrent loans to loans | 26.5350% | 24 |
| Net loans and leases to total assets | 77.0809% | 1,773 |
| Net loans and leases to deposits | 84.4918% | 3,569 |
| Net loans and leases to core deposits | 106.9447% | 3,596 |
| Total domestic deposits to total assets | 91.2288% | 334 |
| Equity capital to assets | 7.2934% | 7,431 |
| Core capital (leverage) ratio | 6.5053% | 7,674 |
| Tier 1 risk-based capital ratio | 7.2690% | 7,870 |
| Total risk-based capital ratio | 8.5586% | 7,870 |
| Memoranda: | ||
| Average total assets | $413,297,000 | 1,689 |
| Average earning assets | $369,927,750 | 1,712 |
| Average equity | $37,154,000 | 1,827 |
| Average total loans | $354,231,250 | 1,380 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4219% | 960 |
| Cost of funding earning assets | 2.5854% | 1,330 |
| Net interest margin | 3.8366% | 3,386 |
| Noninterest income to average assets | 0.3717% | 5,539 |
| Noninterest expense to average assets | 1.5963% | 7,916 |
| Loan and lease loss provision to assets | 7.5504% | 80 |
| Net operating income to assets | -3.1678% | 7,708 |
| Return on assets (ROA) | -3.4683% | 7,761 |
| Pretax return on assets | -5.7553% | 7,934 |
| Return on Equity (ROE) | -36.2412% | 7,803 |
| Retained earnings to average equity (ytd only) | -36.2412% | 7,787 |
| Net charge-offs to loans | 7.9626% | 104 |
| Credit loss provision to net charge-offs | 108.5890% | 4,257 |
| Earnings coverage of net charge-offs (x) | 0.3257% | 5,348 |
| Efficiency ratio | 41.3449% | 7,994 |
| Assets per employee ($millions) | 7.2708% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0961% | 1,407 |
| Loan loss allowance to noncurrent loans | 15.8238% | 7,340 |
| Noncurrent assets plus other real estate owned to assets | 12.0131% | 183 |
| Noncurrent loans to loans | 13.2464% | 178 |
| Net loans and leases to total assets | 85.6461% | 419 |
| Net loans and leases to deposits | 96.4037% | 1,733 |
| Net loans and leases to core deposits | 120.7374% | 2,297 |
| Total domestic deposits to total assets | 88.8411% | 1,358 |
| Equity capital to assets | 8.8129% | 5,578 |
| Core capital (leverage) ratio | 8.6407% | 5,197 |
| Tier 1 risk-based capital ratio | 9.4089% | 7,468 |
| Total risk-based capital ratio | 10.6678% | 7,425 |
| Memoranda: | ||
| Average total assets | $410,575,670 | 1,711 |
| Average earning assets | $373,407,000 | 1,727 |
| Average equity | $39,292,330 | 1,735 |
| Average total loans | $358,528,000 | 1,392 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4503% | 956 |
| Cost of funding earning assets | 2.6589% | 1,381 |
| Net interest margin | 3.7913% | 3,480 |
| Noninterest income to average assets | 0.3037% | 6,009 |
| Noninterest expense to average assets | 1.2933% | 8,079 |
| Loan and lease loss provision to assets | 1.4553% | 868 |
| Net operating income to assets | 0.6927% | 3,595 |
| Return on assets (ROA) | 0.6927% | 3,780 |
| Pretax return on assets | 1.0275% | 3,258 |
| Return on Equity (ROE) | 6.9664% | 3,609 |
| Retained earnings to average equity (ytd only) | 6.9664% | 2,220 |
| Net charge-offs to loans | -0.0222% | 7,465 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.2497% | 8,123 |
| Assets per employee ($millions) | 7.7591% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1097% | 1,214 |
| Loan loss allowance to noncurrent loans | 48.6246% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 4.0963% | 1,243 |
| Noncurrent loans to loans | 4.3388% | 1,346 |
| Net loans and leases to total assets | 85.9355% | 457 |
| Net loans and leases to deposits | 100.7259% | 1,313 |
| Net loans and leases to core deposits | 128.2985% | 1,759 |
| Total domestic deposits to total assets | 85.3162% | 3,055 |
| Equity capital to assets | 10.1317% | 3,848 |
| Core capital (leverage) ratio | 10.3728% | 3,049 |
| Tier 1 risk-based capital ratio | 10.8899% | 6,002 |
| Total risk-based capital ratio | 12.1413% | 5,909 |
| Memoranda: | ||
| Average total assets | $412,281,000 | 1,719 |
| Average earning assets | $377,596,500 | 1,718 |
| Average equity | $40,997,000 | 1,656 |
| Average total loans | $359,698,500 | 1,400 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8426% | 1,546 |
| Cost of funding earning assets | 3.1866% | 1,237 |
| Net interest margin | 3.6560% | 4,652 |
| Noninterest income to average assets | 0.2530% | 6,637 |
| Noninterest expense to average assets | 1.5430% | 8,015 |
| Loan and lease loss provision to assets | 0.8216% | 1,808 |
| Net operating income to assets | 0.9243% | 2,897 |
| Return on assets (ROA) | 0.4106% | 4,926 |
| Pretax return on assets | 0.5418% | 4,873 |
| Return on Equity (ROE) | 4.0345% | 4,810 |
| Retained earnings to average equity (ytd only) | 2.4828% | 3,651 |
| Net charge-offs to loans | 0.5876% | 2,068 |
| Credit loss provision to net charge-offs | 166.5806% | 3,095 |
| Earnings coverage of net charge-offs (x) | 4.1348% | 4,090 |
| Efficiency ratio | 43.0735% | 8,037 |
| Assets per employee ($millions) | 7.3740% | 603 |
| Cash dividends to net income (ytd only)* | 38.4615% | 3,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7749% | 1,690 |
| Loan loss allowance to noncurrent loans | 67.3357% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 2.5818% | 1,870 |
| Noncurrent loans to loans | 2.6359% | 2,056 |
| Net loans and leases to total assets | 85.1479% | 715 |
| Net loans and leases to deposits | 99.4886% | 1,906 |
| Net loans and leases to core deposits | 125.8794% | 2,171 |
| Total domestic deposits to total assets | 85.5855% | 2,590 |
| Equity capital to assets | 9.7500% | 4,364 |
| Core capital (leverage) ratio | 9.9841% | 3,464 |
| Tier 1 risk-based capital ratio | 10.3749% | 6,340 |
| Total risk-based capital ratio | 11.6293% | 6,213 |
| Memoranda: | ||
| Average total assets | $392,549,400 | 1,726 |
| Average earning assets | $357,468,200 | 1,736 |
| Average equity | $39,955,200 | 1,685 |
| Average total loans | $329,460,600 | 1,475 |