Home > Bank of Canton > Performance and Condition Ratios
Bank of Canton, 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 | 5.6632% | 3,976 |
| Cost of funding earning assets | 2.5200% | 1,845 |
| Net interest margin | 3.1432% | 6,051 |
| Noninterest income to average assets | 0.4452% | 4,827 |
| Noninterest expense to average assets | 4.1865% | 957 |
| Loan and lease loss provision to assets | 0.1501% | 5,008 |
| Net operating income to assets | -0.9903% | 7,249 |
| Return on assets (ROA) | -0.9903% | 7,269 |
| Pretax return on assets | -0.9903% | 7,154 |
| Return on Equity (ROE) | -10.5762% | 7,399 |
| Retained earnings to average equity (ytd only) | -10.5762% | 7,163 |
| Net charge-offs to loans | 0.0588% | 4,651 |
| Credit loss provision to net charge-offs | 333.3333% | 1,485 |
| Earnings coverage of net charge-offs (x) | -18.6667% | 5,659 |
| Efficiency ratio | 125.1121% | 569 |
| Assets per employee ($millions) | 2.8441% | 6,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6979% | 2,156 |
| Loan loss allowance to noncurrent loans | 45.3782% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 2.8970% | 1,964 |
| Noncurrent loans to loans | 3.7416% | 1,658 |
| Net loans and leases to total assets | 74.5928% | 2,602 |
| Net loans and leases to deposits | 82.7637% | 4,169 |
| Net loans and leases to core deposits | 108.0410% | 3,670 |
| Total domestic deposits to total assets | 90.1275% | 736 |
| Equity capital to assets | 9.2798% | 4,967 |
| Core capital (leverage) ratio | 9.3269% | 4,202 |
| Tier 1 risk-based capital ratio | 12.7799% | 4,336 |
| Total risk-based capital ratio | 13.9979% | 4,268 |
| Memoranda: | ||
| Average total assets | $79,972,000 | 5,824 |
| Average earning assets | $73,809,500 | 5,782 |
| Average equity | $7,488,500 | 6,223 |
| Average total loans | $61,273,500 | 5,311 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3808% | 3,519 |
| Cost of funding earning assets | 3.3052% | 911 |
| Net interest margin | 3.0756% | 6,721 |
| Noninterest income to average assets | 0.5112% | 4,534 |
| Noninterest expense to average assets | 3.0191% | 4,016 |
| Loan and lease loss provision to assets | 0.4351% | 3,118 |
| Net operating income to assets | -0.0556% | 6,448 |
| Return on assets (ROA) | -0.0556% | 6,300 |
| Pretax return on assets | -0.1583% | 6,332 |
| Return on Equity (ROE) | -0.6000% | 6,308 |
| Retained earnings to average equity (ytd only) | -2.3088% | 5,955 |
| Net charge-offs to loans | 0.3037% | 3,365 |
| Credit loss provision to net charge-offs | 190.4762% | 2,586 |
| Earnings coverage of net charge-offs (x) | 1.2116% | 5,525 |
| Efficiency ratio | 91.6025% | 1,403 |
| Assets per employee ($millions) | 2.8682% | 6,392 |
| Cash dividends to net income (ytd only)* | -284.7826% | 8,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6179% | 2,167 |
| Loan loss allowance to noncurrent loans | 60.0358% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 2.2351% | 2,183 |
| Noncurrent loans to loans | 2.6948% | 2,011 |
| Net loans and leases to total assets | 76.0986% | 2,596 |
| Net loans and leases to deposits | 84.6208% | 4,321 |
| Net loans and leases to core deposits | 113.0673% | 3,441 |
| Total domestic deposits to total assets | 89.9289% | 671 |
| Equity capital to assets | 9.4473% | 4,758 |
| Core capital (leverage) ratio | 9.4461% | 4,096 |
| Tier 1 risk-based capital ratio | 12.7633% | 4,250 |
| Total risk-based capital ratio | 14.0196% | 4,168 |
| Memoranda: | ||
| Average total assets | $82,739,200 | 5,605 |
| Average earning assets | $74,912,400 | 5,630 |
| Average equity | $7,666,200 | 6,223 |
| Average total loans | $62,222,400 | 5,171 |