Home > Brickwell Community Bank > Performance and Condition Ratios
Brickwell Community Bank, Performance and Condition Ratios
| 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 | 5.2524% | 5,853 |
| Cost of funding earning assets | 3.3752% | 159 |
| Net interest margin | 1.8772% | 7,918 |
| Noninterest income to average assets | 0.0958% | 7,501 |
| Noninterest expense to average assets | 4.8439% | 581 |
| Loan and lease loss provision to assets | 7.7235% | 77 |
| Net operating income to assets | -10.6737% | 8,135 |
| Return on assets (ROA) | -10.6737% | 8,130 |
| Pretax return on assets | -10.6737% | 8,116 |
| Return on Equity (ROE) | -307.8176% | 8,169 |
| Retained earnings to average equity (ytd only) | -307.8176% | 8,169 |
| Net charge-offs to loans | 12.5712% | 35 |
| Credit loss provision to net charge-offs | 69.2047% | 5,430 |
| Earnings coverage of net charge-offs (x) | -0.2643% | 5,928 |
| Efficiency ratio | 255.7923% | 112 |
| Assets per employee ($millions) | 5.5828% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9055% | 136 |
| Loan loss allowance to noncurrent loans | 26.4636% | 6,739 |
| Noncurrent assets plus other real estate owned to assets | 17.3501% | 70 |
| Noncurrent loans to loans | 18.5367% | 68 |
| Net loans and leases to total assets | 83.3099% | 741 |
| Net loans and leases to deposits | 93.0472% | 2,263 |
| Net loans and leases to core deposits | 129.1034% | 1,639 |
| Total domestic deposits to total assets | 89.5351% | 1,031 |
| Equity capital to assets | -1.0251% | 8,180 |
| Core capital (leverage) ratio | -0.9843% | 8,180 |
| Tier 1 risk-based capital ratio | -1.1761% | 8,179 |
| Total risk-based capital ratio | -2.3521% | 8,185 |
| Memoranda: | ||
| Average total assets | $79,316,670 | 5,823 |
| Average earning assets | $75,965,670 | 5,673 |
| Average equity | $2,750,330 | 7,808 |
| Average total loans | $70,415,000 | 4,942 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5508% | 4,637 |
| Cost of funding earning assets | 3.3356% | 244 |
| Net interest margin | 2.2153% | 7,785 |
| Noninterest income to average assets | 0.0726% | 7,695 |
| Noninterest expense to average assets | 4.2570% | 888 |
| Loan and lease loss provision to assets | 6.3226% | 114 |
| Net operating income to assets | -6.4339% | 8,110 |
| Return on assets (ROA) | -6.4339% | 8,100 |
| Pretax return on assets | -8.3931% | 8,125 |
| Return on Equity (ROE) | -118.2879% | 8,163 |
| Retained earnings to average equity (ytd only) | -118.2879% | 8,161 |
| Net charge-offs to loans | 0.5634% | 2,059 |
| Credit loss provision to net charge-offs | 1,256.7308% | 497 |
| Earnings coverage of net charge-offs (x) | -4.1154% | 5,543 |
| Efficiency ratio | 194.6903% | 201 |
| Assets per employee ($millions) | 5.0958% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9779% | 32 |
| Loan loss allowance to noncurrent loans | 53.8965% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 13.2315% | 115 |
| Noncurrent loans to loans | 14.8023% | 107 |
| Net loans and leases to total assets | 80.4263% | 1,309 |
| Net loans and leases to deposits | 95.7690% | 1,984 |
| Net loans and leases to core deposits | 120.0879% | 2,406 |
| Total domestic deposits to total assets | 83.9795% | 3,712 |
| Equity capital to assets | 4.6999% | 8,136 |
| Core capital (leverage) ratio | 2.0653% | 8,219 |
| Tier 1 risk-based capital ratio | 2.4942% | 8,223 |
| Total risk-based capital ratio | 3.8294% | 8,223 |
| Memoranda: | ||
| Average total assets | $82,687,000 | 5,715 |
| Average earning assets | $78,907,000 | 5,590 |
| Average equity | $4,497,500 | 7,289 |
| Average total loans | $73,831,500 | 4,844 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7836% | 1,740 |
| Cost of funding earning assets | 3.4803% | 553 |
| Net interest margin | 3.3033% | 6,023 |
| Noninterest income to average assets | 0.0495% | 7,895 |
| Noninterest expense to average assets | 3.9008% | 1,560 |
| Loan and lease loss provision to assets | 5.3928% | 87 |
| Net operating income to assets | -4.6715% | 8,062 |
| Return on assets (ROA) | -4.6715% | 8,047 |
| Pretax return on assets | -6.0924% | 8,108 |
| Return on Equity (ROE) | -49.6357% | 8,153 |
| Retained earnings to average equity (ytd only) | -49.6357% | 8,135 |
| Net charge-offs to loans | 0.6317% | 1,947 |
| Credit loss provision to net charge-offs | 913.3333% | 487 |
| Earnings coverage of net charge-offs (x) | -1.1849% | 6,623 |
| Efficiency ratio | 121.8564% | 552 |
| Assets per employee ($millions) | 5.2401% | 1,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8662% | 60 |
| Loan loss allowance to noncurrent loans | 45.9315% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 11.6387% | 110 |
| Noncurrent loans to loans | 12.7716% | 107 |
| Net loans and leases to total assets | 85.7838% | 625 |
| Net loans and leases to deposits | 99.3219% | 1,942 |
| Net loans and leases to core deposits | 122.7422% | 2,423 |
| Total domestic deposits to total assets | 86.3694% | 2,231 |
| Equity capital to assets | 6.1581% | 8,032 |
| Core capital (leverage) ratio | 4.1788% | 8,253 |
| Tier 1 risk-based capital ratio | 4.6275% | 8,268 |
| Total risk-based capital ratio | 5.9360% | 8,268 |
| Memoranda: | ||
| Average total assets | $78,753,400 | 5,740 |
| Average earning assets | $75,136,800 | 5,622 |
| Average equity | $7,412,000 | 6,309 |
| Average total loans | $73,606,800 | 4,754 |