Home > Cape Fear Bank > Performance and Condition Ratios
Cape Fear 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 | 5.0455% | 6,812 |
| Cost of funding earning assets | 3.3394% | 240 |
| Net interest margin | 1.7061% | 8,004 |
| Noninterest income to average assets | 0.0978% | 7,554 |
| Noninterest expense to average assets | 2.9364% | 4,027 |
| Loan and lease loss provision to assets | 0.6877% | 1,838 |
| Net operating income to assets | -1.4803% | 7,491 |
| Return on assets (ROA) | -1.5337% | 7,512 |
| Pretax return on assets | -2.0615% | 7,547 |
| Return on Equity (ROE) | -24.3113% | 7,831 |
| Retained earnings to average equity (ytd only) | -24.3113% | 7,755 |
| Net charge-offs to loans | 0.6127% | 1,947 |
| Credit loss provision to net charge-offs | 139.7306% | 2,914 |
| Earnings coverage of net charge-offs (x) | -2.6448% | 5,503 |
| Efficiency ratio | 179.6249% | 240 |
| Assets per employee ($millions) | 5.3524% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3203% | 922 |
| Loan loss allowance to noncurrent loans | 27.1947% | 6,750 |
| Noncurrent assets plus other real estate owned to assets | 7.8372% | 391 |
| Noncurrent loans to loans | 8.5321% | 394 |
| Net loans and leases to total assets | 76.3792% | 2,192 |
| Net loans and leases to deposits | 93.3680% | 2,377 |
| Net loans and leases to core deposits | 117.5901% | 2,633 |
| Total domestic deposits to total assets | 81.8045% | 4,633 |
| Equity capital to assets | 6.0177% | 7,995 |
| Core capital (leverage) ratio | 5.2419% | 8,108 |
| Tier 1 risk-based capital ratio | 6.2631% | 8,131 |
| Total risk-based capital ratio | 7.5251% | 8,134 |
| Memoranda: | ||
| Average total assets | $482,765,000 | 1,471 |
| Average earning assets | $434,922,500 | 1,491 |
| Average equity | $30,455,000 | 2,235 |
| Average total loans | $387,773,000 | 1,284 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1319% | 4,885 |
| Cost of funding earning assets | 3.8400% | 175 |
| Net interest margin | 2.2918% | 7,914 |
| Noninterest income to average assets | 0.2984% | 6,326 |
| Noninterest expense to average assets | 2.5879% | 5,695 |
| Loan and lease loss provision to assets | 1.7076% | 757 |
| Net operating income to assets | -1.0748% | 7,281 |
| Return on assets (ROA) | -1.0812% | 7,218 |
| Pretax return on assets | -1.8643% | 7,395 |
| Return on Equity (ROE) | -14.8873% | 7,581 |
| Retained earnings to average equity (ytd only) | -16.3257% | 7,531 |
| Net charge-offs to loans | 1.3629% | 862 |
| Credit loss provision to net charge-offs | 155.8246% | 3,350 |
| Earnings coverage of net charge-offs (x) | -0.1338% | 6,337 |
| Efficiency ratio | 106.0082% | 811 |
| Assets per employee ($millions) | 5.0331% | 1,921 |
| Cash dividends to net income (ytd only)* | -9.6618% | 7,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2276% | 922 |
| Loan loss allowance to noncurrent loans | 62.1624% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 3.7917% | 1,128 |
| Noncurrent loans to loans | 3.5835% | 1,407 |
| Net loans and leases to total assets | 80.7014% | 1,507 |
| Net loans and leases to deposits | 95.0982% | 2,598 |
| Net loans and leases to core deposits | 115.8584% | 3,134 |
| Total domestic deposits to total assets | 84.8611% | 2,911 |
| Equity capital to assets | 6.6111% | 7,900 |
| Core capital (leverage) ratio | 5.7399% | 8,136 |
| Tier 1 risk-based capital ratio | 6.8517% | 8,180 |
| Total risk-based capital ratio | 8.1129% | 8,190 |
| Memoranda: | ||
| Average total assets | $478,615,600 | 1,433 |
| Average earning assets | $447,499,400 | 1,388 |
| Average equity | $34,761,200 | 1,949 |
| Average total loans | $384,845,600 | 1,258 |