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Neighborhood Community Bank, Performance and Condition Ratios
| 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 | 4.5204% | 7,698 |
| Cost of funding earning assets | 3.9089% | 41 |
| Net interest margin | 0.6115% | 8,193 |
| Noninterest income to average assets | 0.2752% | 6,226 |
| Noninterest expense to average assets | 3.3660% | 2,452 |
| Loan and lease loss provision to assets | 4.3089% | 210 |
| Net operating income to assets | -6.1689% | 8,098 |
| Return on assets (ROA) | -6.1689% | 8,088 |
| Pretax return on assets | -6.8953% | 8,079 |
| Return on Equity (ROE) | -194.0985% | 8,195 |
| Retained earnings to average equity (ytd only) | -194.0985% | 8,194 |
| Net charge-offs to loans | 1.2696% | 1,105 |
| Credit loss provision to net charge-offs | 450.8637% | 1,173 |
| Earnings coverage of net charge-offs (x) | -2.7063% | 5,505 |
| Efficiency ratio | 431.7647% | 49 |
| Assets per employee ($millions) | 5.3154% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5235% | 85 |
| Loan loss allowance to noncurrent loans | 26.4687% | 6,810 |
| Noncurrent assets plus other real estate owned to assets | 23.2410% | 22 |
| Noncurrent loans to loans | 20.8680% | 42 |
| Net loans and leases to total assets | 72.4917% | 3,125 |
| Net loans and leases to deposits | 81.0907% | 4,437 |
| Net loans and leases to core deposits | 105.5555% | 3,966 |
| Total domestic deposits to total assets | 89.3959% | 1,056 |
| Equity capital to assets | 2.4739% | 8,211 |
| Core capital (leverage) ratio | 2.2476% | 8,217 |
| Tier 1 risk-based capital ratio | 2.7891% | 8,217 |
| Total risk-based capital ratio | 4.0861% | 8,218 |
| Memoranda: | ||
| Average total assets | $218,060,500 | 3,009 |
| Average earning assets | $179,896,000 | 3,279 |
| Average equity | $6,930,500 | 6,439 |
| Average total loans | $164,150,500 | 2,783 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4845% | 7,338 |
| Cost of funding earning assets | 4.1269% | 66 |
| Net interest margin | 1.3576% | 8,197 |
| Noninterest income to average assets | 0.4136% | 5,363 |
| Noninterest expense to average assets | 4.9001% | 663 |
| Loan and lease loss provision to assets | 3.4806% | 230 |
| Net operating income to assets | -5.9903% | 8,153 |
| Return on assets (ROA) | -5.9900% | 8,146 |
| Pretax return on assets | -6.8086% | 8,152 |
| Return on Equity (ROE) | -76.5150% | 8,244 |
| Retained earnings to average equity (ytd only) | -77.0324% | 8,239 |
| Net charge-offs to loans | 1.9358% | 565 |
| Credit loss provision to net charge-offs | 239.6653% | 1,962 |
| Earnings coverage of net charge-offs (x) | -2.2918% | 6,720 |
| Efficiency ratio | 311.7743% | 95 |
| Assets per employee ($millions) | 5.1978% | 1,728 |
| Cash dividends to net income (ytd only)* | -0.6763% | 7,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3491% | 150 |
| Loan loss allowance to noncurrent loans | 27.3263% | 6,875 |
| Noncurrent assets plus other real estate owned to assets | 18.7410% | 35 |
| Noncurrent loans to loans | 15.9154% | 64 |
| Net loans and leases to total assets | 70.6821% | 3,861 |
| Net loans and leases to deposits | 82.1933% | 4,695 |
| Net loans and leases to core deposits | 108.4649% | 3,913 |
| Total domestic deposits to total assets | 85.9949% | 2,403 |
| Equity capital to assets | 3.8482% | 8,251 |
| Core capital (leverage) ratio | 3.6905% | 8,268 |
| Tier 1 risk-based capital ratio | 4.5169% | 8,269 |
| Total risk-based capital ratio | 5.7990% | 8,269 |
| Memoranda: | ||
| Average total assets | $234,525,800 | 2,708 |
| Average earning assets | $200,053,600 | 2,894 |
| Average equity | $18,359,800 | 3,501 |
| Average total loans | $175,952,400 | 2,551 |