Home > Black Mountain Community Bank > Performance and Condition Ratios
Black Mountain Community 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 | 5.7977% | 2,662 |
| Cost of funding earning assets | 2.1551% | 2,213 |
| Net interest margin | 3.6426% | 4,380 |
| Noninterest income to average assets | 0.1232% | 7,138 |
| Noninterest expense to average assets | 2.1685% | 7,053 |
| Loan and lease loss provision to assets | 3.1867% | 512 |
| Net operating income to assets | -1.1898% | 6,703 |
| Return on assets (ROA) | -1.1898% | 6,700 |
| Pretax return on assets | -1.7488% | 6,838 |
| Return on Equity (ROE) | -14.3190% | 6,894 |
| Retained earnings to average equity (ytd only) | -14.3190% | 6,837 |
| Net charge-offs to loans | 2.1491% | 1,125 |
| Credit loss provision to net charge-offs | 171.8800% | 2,473 |
| Earnings coverage of net charge-offs (x) | 0.7756% | 5,330 |
| Efficiency ratio | 60.1293% | 6,474 |
| Assets per employee ($millions) | 8.0531% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8531% | 878 |
| Loan loss allowance to noncurrent loans | 18.6435% | 7,120 |
| Noncurrent assets plus other real estate owned to assets | 12.5096% | 228 |
| Noncurrent loans to loans | 15.3036% | 162 |
| Net loans and leases to total assets | 76.7593% | 1,639 |
| Net loans and leases to deposits | 91.0090% | 2,042 |
| Net loans and leases to core deposits | 130.6143% | 1,248 |
| Total domestic deposits to total assets | 84.3425% | 3,869 |
| Equity capital to assets | 7.0825% | 7,338 |
| Core capital (leverage) ratio | 6.3409% | 7,541 |
| Tier 1 risk-based capital ratio | 8.0533% | 7,646 |
| Total risk-based capital ratio | 9.3231% | 7,654 |
| Memoranda: | ||
| Average total assets | $167,259,800 | 3,655 |
| Average earning assets | $159,942,600 | 3,522 |
| Average equity | $13,897,600 | 4,282 |
| Average total loans | $144,295,600 | 3,012 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1122% | 1,604 |
| Cost of funding earning assets | 2.2584% | 2,159 |
| Net interest margin | 3.8538% | 3,413 |
| Noninterest income to average assets | 0.1351% | 7,202 |
| Noninterest expense to average assets | 2.1846% | 7,016 |
| Loan and lease loss provision to assets | 1.7712% | 1,046 |
| Net operating income to assets | -0.5753% | 6,504 |
| Return on assets (ROA) | -0.5753% | 6,497 |
| Pretax return on assets | -0.1287% | 5,883 |
| Return on Equity (ROE) | -6.6595% | 6,628 |
| Retained earnings to average equity (ytd only) | -6.6595% | 6,469 |
| Net charge-offs to loans | 1.3776% | 1,493 |
| Credit loss provision to net charge-offs | 145.7390% | 3,338 |
| Earnings coverage of net charge-offs (x) | 1.3515% | 4,770 |
| Efficiency ratio | 57.0825% | 6,861 |
| Assets per employee ($millions) | 7.5374% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7020% | 2,621 |
| Loan loss allowance to noncurrent loans | 25.1230% | 6,778 |
| Noncurrent assets plus other real estate owned to assets | 5.6299% | 997 |
| Noncurrent loans to loans | 6.7745% | 825 |
| Net loans and leases to total assets | 81.6891% | 865 |
| Net loans and leases to deposits | 103.1412% | 833 |
| Net loans and leases to core deposits | 151.4896% | 550 |
| Total domestic deposits to total assets | 79.2012% | 5,734 |
| Equity capital to assets | 7.9753% | 6,869 |
| Core capital (leverage) ratio | 7.5467% | 6,922 |
| Tier 1 risk-based capital ratio | 8.7845% | 7,685 |
| Total risk-based capital ratio | 10.0405% | 7,716 |
| Memoranda: | ||
| Average total assets | $164,782,750 | 3,711 |
| Average earning assets | $157,866,500 | 3,581 |
| Average equity | $14,235,000 | 4,234 |
| Average total loans | $145,372,750 | 3,027 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2008% | 1,451 |
| Cost of funding earning assets | 2.3748% | 2,063 |
| Net interest margin | 3.8259% | 3,433 |
| Noninterest income to average assets | 0.1408% | 7,247 |
| Noninterest expense to average assets | 2.2455% | 6,932 |
| Loan and lease loss provision to assets | 1.2265% | 1,401 |
| Net operating income to assets | 0.2211% | 5,184 |
| Return on assets (ROA) | 0.2211% | 5,272 |
| Pretax return on assets | 0.3421% | 5,093 |
| Return on Equity (ROE) | 2.4911% | 5,107 |
| Retained earnings to average equity (ytd only) | 2.4911% | 3,950 |
| Net charge-offs to loans | 1.5623% | 1,209 |
| Credit loss provision to net charge-offs | 87.1817% | 5,006 |
| Earnings coverage of net charge-offs (x) | 1.1150% | 4,686 |
| Efficiency ratio | 58.8731% | 6,711 |
| Assets per employee ($millions) | 6.8267% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 5,652 |
| Loan loss allowance to noncurrent loans | 19.5248% | 7,158 |
| Noncurrent assets plus other real estate owned to assets | 5.0610% | 1,039 |
| Noncurrent loans to loans | 5.5987% | 1,025 |
| Net loans and leases to total assets | 89.4086% | 157 |
| Net loans and leases to deposits | 115.1201% | 356 |
| Net loans and leases to core deposits | 168.5029% | 338 |
| Total domestic deposits to total assets | 77.6655% | 6,162 |
| Equity capital to assets | 8.6944% | 5,760 |
| Core capital (leverage) ratio | 8.3197% | 5,760 |
| Tier 1 risk-based capital ratio | 9.0698% | 7,658 |
| Total risk-based capital ratio | 10.1613% | 7,775 |
| Memoranda: | ||
| Average total assets | $161,923,330 | 3,783 |
| Average earning assets | $155,464,670 | 3,641 |
| Average equity | $14,371,330 | 4,224 |
| Average total loans | $145,807,330 | 3,052 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1534% | 1,749 |
| Cost of funding earning assets | 2.5034% | 1,905 |
| Net interest margin | 3.6500% | 4,101 |
| Noninterest income to average assets | 0.0969% | 7,564 |
| Noninterest expense to average assets | 2.1371% | 7,039 |
| Loan and lease loss provision to assets | 0.2435% | 4,030 |
| Net operating income to assets | 0.7952% | 3,149 |
| Return on assets (ROA) | 0.7952% | 3,311 |
| Pretax return on assets | 1.2127% | 2,582 |
| Return on Equity (ROE) | 8.8676% | 2,774 |
| Retained earnings to average equity (ytd only) | 8.8676% | 1,521 |
| Net charge-offs to loans | 0.5807% | 2,013 |
| Credit loss provision to net charge-offs | 46.6667% | 4,732 |
| Earnings coverage of net charge-offs (x) | 2.7905% | 3,382 |
| Efficiency ratio | 59.4744% | 6,484 |
| Assets per employee ($millions) | 7.1467% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 5,202 |
| Loan loss allowance to noncurrent loans | 29.1483% | 6,608 |
| Noncurrent assets plus other real estate owned to assets | 3.4501% | 1,566 |
| Noncurrent loans to loans | 3.9045% | 1,562 |
| Net loans and leases to total assets | 87.3563% | 313 |
| Net loans and leases to deposits | 112.6319% | 494 |
| Net loans and leases to core deposits | 168.2122% | 371 |
| Total domestic deposits to total assets | 77.5591% | 6,133 |
| Equity capital to assets | 8.8177% | 5,593 |
| Core capital (leverage) ratio | 8.5603% | 5,411 |
| Tier 1 risk-based capital ratio | 9.2885% | 7,599 |
| Total risk-based capital ratio | 10.4180% | 7,691 |
| Memoranda: | ||
| Average total assets | $160,964,500 | 3,817 |
| Average earning assets | $154,190,000 | 3,677 |
| Average equity | $14,434,500 | 4,238 |
| Average total loans | $144,657,500 | 3,097 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1670% | 794 |
| Cost of funding earning assets | 2.8245% | 2,607 |
| Net interest margin | 4.3424% | 1,850 |
| Noninterest income to average assets | 0.1209% | 7,515 |
| Noninterest expense to average assets | 2.0650% | 7,313 |
| Loan and lease loss provision to assets | 0.2354% | 4,545 |
| Net operating income to assets | 1.3004% | 1,484 |
| Return on assets (ROA) | 1.3004% | 1,431 |
| Pretax return on assets | 1.9779% | 643 |
| Return on Equity (ROE) | 13.6618% | 1,169 |
| Retained earnings to average equity (ytd only) | -0.6489% | 5,487 |
| Net charge-offs to loans | 0.0085% | 6,811 |
| Credit loss provision to net charge-offs | 3,016.6667% | 161 |
| Earnings coverage of net charge-offs (x) | 283.6667% | 169 |
| Efficiency ratio | 48.2675% | 7,783 |
| Assets per employee ($millions) | 6.5648% | 860 |
| Cash dividends to net income (ytd only)* | 104.7500% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 4,345 |
| Loan loss allowance to noncurrent loans | 102.5567% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.0923% | 4,104 |
| Noncurrent loans to loans | 1.1945% | 4,120 |
| Net loans and leases to total assets | 90.3215% | 175 |
| Net loans and leases to deposits | 117.7270% | 451 |
| Net loans and leases to core deposits | 153.6201% | 730 |
| Total domestic deposits to total assets | 76.7211% | 6,064 |
| Equity capital to assets | 9.1238% | 5,189 |
| Core capital (leverage) ratio | 8.4454% | 5,666 |
| Tier 1 risk-based capital ratio | 9.0961% | 7,724 |
| Total risk-based capital ratio | 10.3057% | 7,721 |
| Memoranda: | ||
| Average total assets | $153,803,000 | 3,827 |
| Average earning assets | $147,245,000 | 3,703 |
| Average equity | $14,639,400 | 4,211 |
| Average total loans | $140,792,600 | 3,083 |