Home > Century Bank, a Federal Savings Bank > Performance and Condition Ratios
Century Bank, a Federal Savings 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 | 4.6018% | 7,414 |
| Cost of funding earning assets | 3.4533% | 90 |
| Net interest margin | 1.1485% | 7,997 |
| Noninterest income to average assets | -0.2689% | 8,005 |
| Noninterest expense to average assets | 2.6408% | 5,560 |
| Loan and lease loss provision to assets | 12.8913% | 9 |
| Net operating income to assets | -14.7359% | 8,077 |
| Return on assets (ROA) | -14.7254% | 8,076 |
| Pretax return on assets | -14.7254% | 8,079 |
| Return on Equity (ROE) | -1,446.1589% | 8,099 |
| Retained earnings to average equity (ytd only) | -1,446.1589% | 8,099 |
| Net charge-offs to loans | 14.3675% | 19 |
| Credit loss provision to net charge-offs | 107.8888% | 4,710 |
| Earnings coverage of net charge-offs (x) | -0.1544% | 6,244 |
| Efficiency ratio | 331.6925% | 58 |
| Assets per employee ($millions) | 5.7267% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9032% | 719 |
| Loan loss allowance to noncurrent loans | 14.7571% | 7,340 |
| Noncurrent assets plus other real estate owned to assets | 21.2540% | 40 |
| Noncurrent loans to loans | 19.6732% | 68 |
| Net loans and leases to total assets | 81.3244% | 928 |
| Net loans and leases to deposits | 93.1804% | 2,030 |
| Net loans and leases to core deposits | 126.2053% | 1,714 |
| Total domestic deposits to total assets | 87.2763% | 2,032 |
| Equity capital to assets | -6.2230% | 8,098 |
| Core capital (leverage) ratio | -5.5509% | 8,098 |
| Tier 1 risk-based capital ratio | -7.2771% | 8,098 |
| Total risk-based capital ratio | -7.2771% | 8,097 |
| Memoranda: | ||
| Average total assets | $853,920,500 | 807 |
| Average earning assets | $791,841,250 | 783 |
| Average equity | $8,695,000 | 5,752 |
| Average total loans | $710,157,750 | 670 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7604% | 7,291 |
| Cost of funding earning assets | 3.5101% | 108 |
| Net interest margin | 1.2503% | 8,067 |
| Noninterest income to average assets | -0.1778% | 8,061 |
| Noninterest expense to average assets | 1.7977% | 7,747 |
| Loan and lease loss provision to assets | 8.0371% | 71 |
| Net operating income to assets | -8.8472% | 8,094 |
| Return on assets (ROA) | -8.8375% | 8,088 |
| Pretax return on assets | -8.8375% | 8,074 |
| Return on Equity (ROE) | -287.2807% | 8,165 |
| Retained earnings to average equity (ytd only) | -287.2807% | 8,165 |
| Net charge-offs to loans | 7.9439% | 105 |
| Credit loss provision to net charge-offs | 121.9010% | 3,811 |
| Earnings coverage of net charge-offs (x) | -0.1229% | 5,817 |
| Efficiency ratio | 182.0238% | 245 |
| Assets per employee ($millions) | 6.3256% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6982% | 751 |
| Loan loss allowance to noncurrent loans | 13.5082% | 7,416 |
| Noncurrent assets plus other real estate owned to assets | 20.1332% | 39 |
| Noncurrent loans to loans | 19.9747% | 54 |
| Net loans and leases to total assets | 80.3484% | 1,249 |
| Net loans and leases to deposits | 98.0042% | 1,515 |
| Net loans and leases to core deposits | 127.8946% | 1,716 |
| Total domestic deposits to total assets | 81.9846% | 4,700 |
| Equity capital to assets | 0.9067% | 8,161 |
| Core capital (leverage) ratio | 1.5065% | 8,155 |
| Tier 1 risk-based capital ratio | 2.0234% | 8,155 |
| Total risk-based capital ratio | 3.6120% | 8,150 |
| Memoranda: | ||
| Average total assets | $886,586,330 | 793 |
| Average earning assets | $826,361,000 | 766 |
| Average equity | $27,273,670 | 2,450 |
| Average total loans | $735,833,330 | 663 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1812% | 6,370 |
| Cost of funding earning assets | 3.5421% | 131 |
| Net interest margin | 1.6390% | 8,023 |
| Noninterest income to average assets | -0.0919% | 8,134 |
| Noninterest expense to average assets | 1.5384% | 7,956 |
| Loan and lease loss provision to assets | 2.2547% | 523 |
| Net operating income to assets | -2.3532% | 7,735 |
| Return on assets (ROA) | -2.3431% | 7,733 |
| Pretax return on assets | -2.3431% | 7,626 |
| Return on Equity (ROE) | -57.4286% | 8,077 |
| Retained earnings to average equity (ytd only) | -57.4286% | 8,060 |
| Net charge-offs to loans | 3.7087% | 328 |
| Credit loss provision to net charge-offs | 73.0786% | 4,300 |
| Earnings coverage of net charge-offs (x) | -0.0319% | 5,008 |
| Efficiency ratio | 106.8439% | 905 |
| Assets per employee ($millions) | 6.7114% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 3,449 |
| Loan loss allowance to noncurrent loans | 11.2976% | 7,493 |
| Noncurrent assets plus other real estate owned to assets | 13.6957% | 103 |
| Noncurrent loans to loans | 12.4757% | 162 |
| Net loans and leases to total assets | 81.3267% | 1,132 |
| Net loans and leases to deposits | 103.1597% | 1,073 |
| Net loans and leases to core deposits | 147.0975% | 809 |
| Total domestic deposits to total assets | 78.8358% | 5,780 |
| Equity capital to assets | 3.9000% | 8,166 |
| Core capital (leverage) ratio | 4.4860% | 8,150 |
| Tier 1 risk-based capital ratio | 6.1961% | 8,135 |
| Total risk-based capital ratio | 8.6716% | 8,079 |
| Memoranda: | ||
| Average total assets | $909,227,500 | 774 |
| Average earning assets | $849,772,000 | 748 |
| Average equity | $37,096,500 | 1,844 |
| Average total loans | $756,390,500 | 648 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4993% | 2,963 |
| Cost of funding earning assets | 3.8520% | 167 |
| Net interest margin | 2.6473% | 7,586 |
| Noninterest income to average assets | 0.0171% | 8,045 |
| Noninterest expense to average assets | 1.7051% | 7,860 |
| Loan and lease loss provision to assets | 3.3606% | 251 |
| Net operating income to assets | -2.5394% | 7,720 |
| Return on assets (ROA) | -2.4997% | 7,681 |
| Pretax return on assets | -2.4997% | 7,591 |
| Return on Equity (ROE) | -46.7283% | 8,137 |
| Retained earnings to average equity (ytd only) | -49.0791% | 8,132 |
| Net charge-offs to loans | 2.2769% | 450 |
| Credit loss provision to net charge-offs | 169.2173% | 3,036 |
| Earnings coverage of net charge-offs (x) | 0.4135% | 5,988 |
| Efficiency ratio | 64.0499% | 5,545 |
| Assets per employee ($millions) | 6.8591% | 752 |
| Cash dividends to net income (ytd only)* | -5.0308% | 7,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 2,071 |
| Loan loss allowance to noncurrent loans | 22.9941% | 7,101 |
| Noncurrent assets plus other real estate owned to assets | 8.9712% | 225 |
| Noncurrent loans to loans | 7.1699% | 412 |
| Net loans and leases to total assets | 82.4936% | 1,137 |
| Net loans and leases to deposits | 105.3844% | 1,179 |
| Net loans and leases to core deposits | 134.1923% | 1,588 |
| Total domestic deposits to total assets | 78.2787% | 5,620 |
| Equity capital to assets | 4.2561% | 8,242 |
| Core capital (leverage) ratio | 4.6255% | 8,233 |
| Tier 1 risk-based capital ratio | 6.5142% | 8,204 |
| Total risk-based capital ratio | 9.4517% | 8,086 |
| Memoranda: | ||
| Average total assets | $923,220,200 | 721 |
| Average earning assets | $875,093,600 | 690 |
| Average equity | $49,387,600 | 1,379 |
| Average total loans | $805,264,400 | 588 |