Home > Capital Bank > Performance and Condition Ratios
Capital Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2699% | 7,316 |
| Cost of funding earning assets | 0.5527% | 6,794 |
| Net interest margin | 2.7172% | 6,996 |
| Noninterest income to average assets | 0.3061% | 5,482 |
| Noninterest expense to average assets | 2.9715% | 3,756 |
| Loan and lease loss provision to assets | 0.0406% | 5,486 |
| Net operating income to assets | -0.0997% | 6,460 |
| Return on assets (ROA) | -0.1095% | 6,486 |
| Pretax return on assets | -0.2277% | 6,560 |
| Return on Equity (ROE) | -1.0899% | 6,494 |
| Retained earnings to average equity (ytd only) | -1.0899% | 6,003 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4751% | 610 |
| Assets per employee ($millions) | 4.3458% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0148% | 7,500 |
| Loan loss allowance to noncurrent loans | 0.2244% | 7,076 |
| Noncurrent assets plus other real estate owned to assets | 5.2441% | 1,184 |
| Noncurrent loans to loans | 6.6052% | 884 |
| Net loans and leases to total assets | 66.1272% | 2,978 |
| Net loans and leases to deposits | 82.2985% | 2,310 |
| Net loans and leases to core deposits | 97.7404% | 1,550 |
| Total domestic deposits to total assets | 80.3505% | 5,851 |
| Equity capital to assets | 13.2097% | 1,296 |
| Core capital (leverage) ratio | 8.8071% | 4,919 |
| Tier 1 risk-based capital ratio | 11.5892% | 6,034 |
| Total risk-based capital ratio | 11.9662% | 6,667 |
| Memoranda: | ||
| Average total assets | $1,644,143,500 | 414 |
| Average earning assets | $1,508,926,000 | 400 |
| Average equity | $165,156,000 | 430 |
| Average total loans | $1,194,076,500 | 367 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9973% | 4,571 |
| Cost of funding earning assets | 1.6603% | 1,781 |
| Net interest margin | 3.3370% | 5,847 |
| Noninterest income to average assets | 0.4067% | 4,856 |
| Noninterest expense to average assets | 3.0869% | 3,516 |
| Loan and lease loss provision to assets | 3.4860% | 224 |
| Net operating income to assets | -3.9062% | 7,425 |
| Return on assets (ROA) | -3.5438% | 7,395 |
| Pretax return on assets | -2.7040% | 7,223 |
| Return on Equity (ROE) | -40.2408% | 7,352 |
| Retained earnings to average equity (ytd only) | -42.9886% | 7,369 |
| Net charge-offs to loans | 3.6165% | 387 |
| Credit loss provision to net charge-offs | 120.5498% | 3,494 |
| Earnings coverage of net charge-offs (x) | 0.1451% | 5,973 |
| Efficiency ratio | 86.4440% | 1,644 |
| Assets per employee ($millions) | 3.9718% | 3,846 |
| Cash dividends to net income (ytd only)* | -6.8283% | 7,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8586% | 994 |
| Loan loss allowance to noncurrent loans | 50.1223% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 5.7285% | 1,062 |
| Noncurrent loans to loans | 5.7033% | 1,122 |
| Net loans and leases to total assets | 77.3261% | 1,043 |
| Net loans and leases to deposits | 91.1567% | 1,378 |
| Net loans and leases to core deposits | 109.8813% | 927 |
| Total domestic deposits to total assets | 84.8277% | 3,939 |
| Equity capital to assets | 6.6433% | 7,225 |
| Core capital (leverage) ratio | 6.3672% | 7,224 |
| Tier 1 risk-based capital ratio | 7.9742% | 7,351 |
| Total risk-based capital ratio | 9.5015% | 7,340 |
| Memoranda: | ||
| Average total assets | $1,679,452,000 | 404 |
| Average earning assets | $1,560,066,800 | 397 |
| Average equity | $147,902,000 | 463 |
| Average total loans | $1,342,861,400 | 348 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0383% | 4,632 |
| Cost of funding earning assets | 1.6978% | 1,889 |
| Net interest margin | 3.3405% | 5,883 |
| Noninterest income to average assets | 0.3777% | 5,137 |
| Noninterest expense to average assets | 2.9143% | 4,033 |
| Loan and lease loss provision to assets | 3.0166% | 286 |
| Net operating income to assets | -2.0990% | 7,261 |
| Return on assets (ROA) | -2.0563% | 7,272 |
| Pretax return on assets | -2.4109% | 7,302 |
| Return on Equity (ROE) | -22.0877% | 7,260 |
| Retained earnings to average equity (ytd only) | -25.0712% | 7,309 |
| Net charge-offs to loans | 2.7744% | 587 |
| Credit loss provision to net charge-offs | 135.8457% | 2,956 |
| Earnings coverage of net charge-offs (x) | 0.2502% | 5,765 |
| Efficiency ratio | 82.3997% | 2,018 |
| Assets per employee ($millions) | 4.1841% | 3,469 |
| Cash dividends to net income (ytd only)* | -13.5074% | 7,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7184% | 1,063 |
| Loan loss allowance to noncurrent loans | 51.8413% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 5.3556% | 1,165 |
| Noncurrent loans to loans | 5.2437% | 1,296 |
| Net loans and leases to total assets | 78.6882% | 929 |
| Net loans and leases to deposits | 95.3180% | 1,064 |
| Net loans and leases to core deposits | 117.4286% | 702 |
| Total domestic deposits to total assets | 82.5534% | 4,774 |
| Equity capital to assets | 8.7623% | 5,914 |
| Core capital (leverage) ratio | 7.4662% | 6,867 |
| Tier 1 risk-based capital ratio | 8.8840% | 7,383 |
| Total risk-based capital ratio | 10.3966% | 7,350 |
| Memoranda: | ||
| Average total assets | $1,703,132,500 | 394 |
| Average earning assets | $1,576,510,000 | 389 |
| Average equity | $158,558,000 | 426 |
| Average total loans | $1,363,209,000 | 344 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0290% | 4,807 |
| Cost of funding earning assets | 1.7797% | 1,721 |
| Net interest margin | 3.2493% | 6,171 |
| Noninterest income to average assets | 0.4193% | 4,761 |
| Noninterest expense to average assets | 2.7912% | 4,525 |
| Loan and lease loss provision to assets | 3.6914% | 226 |
| Net operating income to assets | -2.0581% | 7,321 |
| Return on assets (ROA) | -2.0272% | 7,320 |
| Pretax return on assets | -3.0153% | 7,470 |
| Return on Equity (ROE) | -21.3732% | 7,302 |
| Retained earnings to average equity (ytd only) | -23.8625% | 7,340 |
| Net charge-offs to loans | 3.2173% | 477 |
| Credit loss provision to net charge-offs | 143.8318% | 2,762 |
| Earnings coverage of net charge-offs (x) | 0.2455% | 5,485 |
| Efficiency ratio | 79.9898% | 2,453 |
| Assets per employee ($millions) | 4.3308% | 3,160 |
| Cash dividends to net income (ytd only)* | -11.6467% | 7,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6433% | 1,142 |
| Loan loss allowance to noncurrent loans | 47.7630% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 5.4015% | 1,152 |
| Noncurrent loans to loans | 5.5341% | 1,192 |
| Net loans and leases to total assets | 77.7893% | 1,148 |
| Net loans and leases to deposits | 96.0299% | 1,046 |
| Net loans and leases to core deposits | 119.5726% | 711 |
| Total domestic deposits to total assets | 81.0053% | 5,396 |
| Equity capital to assets | 9.1288% | 5,252 |
| Core capital (leverage) ratio | 7.6736% | 6,644 |
| Tier 1 risk-based capital ratio | 9.0443% | 7,402 |
| Total risk-based capital ratio | 10.5462% | 7,336 |
| Memoranda: | ||
| Average total assets | $1,721,329,330 | 395 |
| Average earning assets | $1,590,246,000 | 388 |
| Average equity | $163,260,330 | 416 |
| Average total loans | $1,373,126,330 | 345 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0158% | 4,947 |
| Cost of funding earning assets | 1.8209% | 1,795 |
| Net interest margin | 3.1949% | 6,309 |
| Noninterest income to average assets | 0.2985% | 5,760 |
| Noninterest expense to average assets | 2.7057% | 4,882 |
| Loan and lease loss provision to assets | 2.7047% | 381 |
| Net operating income to assets | -1.2445% | 7,235 |
| Return on assets (ROA) | -1.1961% | 7,235 |
| Pretax return on assets | -2.0798% | 7,433 |
| Return on Equity (ROE) | -12.3842% | 7,233 |
| Retained earnings to average equity (ytd only) | -16.0024% | 7,247 |
| Net charge-offs to loans | 2.5029% | 653 |
| Credit loss provision to net charge-offs | 135.5748% | 2,607 |
| Earnings coverage of net charge-offs (x) | 0.2753% | 4,797 |
| Efficiency ratio | 81.4602% | 2,356 |
| Assets per employee ($millions) | 4.5137% | 2,933 |
| Cash dividends to net income (ytd only)* | -29.2156% | 7,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1191% | 1,913 |
| Loan loss allowance to noncurrent loans | 50.0996% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 4.2780% | 1,592 |
| Noncurrent loans to loans | 4.2297% | 1,814 |
| Net loans and leases to total assets | 77.5089% | 1,246 |
| Net loans and leases to deposits | 97.4880% | 958 |
| Net loans and leases to core deposits | 118.3545% | 854 |
| Total domestic deposits to total assets | 79.5061% | 5,944 |
| Equity capital to assets | 9.5851% | 4,397 |
| Core capital (leverage) ratio | 6.3042% | 7,529 |
| Tier 1 risk-based capital ratio | 7.3175% | 7,674 |
| Total risk-based capital ratio | 8.8062% | 7,661 |
| Memoranda: | ||
| Average total assets | $1,735,328,500 | 409 |
| Average earning assets | $1,605,791,000 | 396 |
| Average equity | $167,600,000 | 410 |
| Average total loans | $1,383,193,000 | 357 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3029% | 5,161 |
| Cost of funding earning assets | 2.1049% | 2,432 |
| Net interest margin | 3.1980% | 6,102 |
| Noninterest income to average assets | 0.5795% | 3,791 |
| Noninterest expense to average assets | 2.8117% | 4,926 |
| Loan and lease loss provision to assets | 1.3607% | 1,696 |
| Net operating income to assets | -0.2704% | 5,929 |
| Return on assets (ROA) | -0.2853% | 5,950 |
| Pretax return on assets | -0.6388% | 6,129 |
| Return on Equity (ROE) | -2.7988% | 5,957 |
| Retained earnings to average equity (ytd only) | -6.5925% | 6,204 |
| Net charge-offs to loans | 0.8960% | 2,600 |
| Credit loss provision to net charge-offs | 195.8227% | 2,021 |
| Earnings coverage of net charge-offs (x) | 1.0724% | 5,039 |
| Efficiency ratio | 77.1484% | 3,339 |
| Assets per employee ($millions) | 4.3871% | 3,135 |
| Cash dividends to net income (ytd only)* | -135.5459% | 7,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8759% | 2,330 |
| Loan loss allowance to noncurrent loans | 66.0078% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 2.9284% | 2,392 |
| Noncurrent loans to loans | 2.8420% | 2,707 |
| Net loans and leases to total assets | 78.7251% | 1,245 |
| Net loans and leases to deposits | 98.8533% | 1,016 |
| Net loans and leases to core deposits | 134.4681% | 1,027 |
| Total domestic deposits to total assets | 79.6384% | 5,797 |
| Equity capital to assets | 9.7313% | 4,103 |
| Core capital (leverage) ratio | 6.5242% | 7,481 |
| Tier 1 risk-based capital ratio | 7.4196% | 7,707 |
| Total risk-based capital ratio | 8.6756% | 7,713 |
| Memoranda: | ||
| Average total assets | $1,694,970,800 | 411 |
| Average earning assets | $1,578,093,800 | 404 |
| Average equity | $172,788,000 | 400 |
| Average total loans | $1,314,463,800 | 373 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3297% | 5,279 |
| Cost of funding earning assets | 2.1690% | 2,559 |
| Net interest margin | 3.1607% | 6,141 |
| Noninterest income to average assets | 0.6070% | 3,640 |
| Noninterest expense to average assets | 2.7742% | 5,006 |
| Loan and lease loss provision to assets | 0.8892% | 2,165 |
| Net operating income to assets | 0.0719% | 5,552 |
| Return on assets (ROA) | 0.0802% | 5,574 |
| Pretax return on assets | -0.0984% | 5,843 |
| Return on Equity (ROE) | 0.7778% | 5,559 |
| Retained earnings to average equity (ytd only) | -2.7038% | 5,879 |
| Net charge-offs to loans | 0.6715% | 2,681 |
| Credit loss provision to net charge-offs | 172.2759% | 2,691 |
| Earnings coverage of net charge-offs (x) | 1.5068% | 4,654 |
| Efficiency ratio | 76.1837% | 3,479 |
| Assets per employee ($millions) | 4.4667% | 2,916 |
| Cash dividends to net income (ytd only)* | 447.6320% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 3,750 |
| Loan loss allowance to noncurrent loans | 105.3396% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 1.5558% | 4,032 |
| Noncurrent loans to loans | 1.3647% | 4,646 |
| Net loans and leases to total assets | 77.1888% | 1,743 |
| Net loans and leases to deposits | 96.4436% | 1,516 |
| Net loans and leases to core deposits | 131.8740% | 1,332 |
| Total domestic deposits to total assets | 80.0352% | 5,423 |
| Equity capital to assets | 10.2572% | 3,781 |
| Core capital (leverage) ratio | 7.4334% | 7,049 |
| Tier 1 risk-based capital ratio | 8.3446% | 7,749 |
| Total risk-based capital ratio | 9.5954% | 7,771 |
| Memoranda: | ||
| Average total assets | $1,685,490,750 | 427 |
| Average earning assets | $1,570,400,750 | 418 |
| Average equity | $173,826,750 | 409 |
| Average total loans | $1,295,504,250 | 394 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2475% | 5,883 |
| Cost of funding earning assets | 2.2445% | 2,606 |
| Net interest margin | 3.0030% | 6,542 |
| Noninterest income to average assets | 0.6433% | 3,390 |
| Noninterest expense to average assets | 2.8745% | 4,602 |
| Loan and lease loss provision to assets | 0.9197% | 1,836 |
| Net operating income to assets | -0.3250% | 6,350 |
| Return on assets (ROA) | -0.3232% | 6,367 |
| Pretax return on assets | -0.3475% | 6,280 |
| Return on Equity (ROE) | -3.1278% | 6,374 |
| Retained earnings to average equity (ytd only) | -7.7906% | 6,645 |
| Net charge-offs to loans | 0.6073% | 2,522 |
| Credit loss provision to net charge-offs | 198.3467% | 2,306 |
| Earnings coverage of net charge-offs (x) | 1.2299% | 4,613 |
| Efficiency ratio | 81.4452% | 2,802 |
| Assets per employee ($millions) | 4.2766% | 3,152 |
| Cash dividends to net income (ytd only)* | -149.0734% | 8,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 3,530 |
| Loan loss allowance to noncurrent loans | 100.3886% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 1.3994% | 4,160 |
| Noncurrent loans to loans | 1.4327% | 4,351 |
| Net loans and leases to total assets | 75.2711% | 2,376 |
| Net loans and leases to deposits | 92.1207% | 2,448 |
| Net loans and leases to core deposits | 122.4587% | 2,162 |
| Total domestic deposits to total assets | 81.7093% | 4,816 |
| Equity capital to assets | 10.0661% | 3,853 |
| Core capital (leverage) ratio | 7.3650% | 7,171 |
| Tier 1 risk-based capital ratio | 8.4608% | 7,848 |
| Total risk-based capital ratio | 9.7121% | 7,885 |
| Memoranda: | ||
| Average total assets | $1,669,633,000 | 437 |
| Average earning assets | $1,557,656,330 | 428 |
| Average equity | $172,514,670 | 412 |
| Average total loans | $1,274,924,670 | 416 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1581% | 6,453 |
| Cost of funding earning assets | 2.3696% | 2,417 |
| Net interest margin | 2.7885% | 7,019 |
| Noninterest income to average assets | 0.5186% | 4,149 |
| Noninterest expense to average assets | 2.7882% | 4,601 |
| Loan and lease loss provision to assets | 1.4442% | 878 |
| Net operating income to assets | -0.9572% | 7,227 |
| Return on assets (ROA) | -1.0236% | 7,280 |
| Pretax return on assets | -1.1889% | 7,252 |
| Return on Equity (ROE) | -9.7778% | 7,347 |
| Retained earnings to average equity (ytd only) | -14.4040% | 7,405 |
| Net charge-offs to loans | 0.7269% | 1,737 |
| Credit loss provision to net charge-offs | 260.2174% | 1,813 |
| Earnings coverage of net charge-offs (x) | 0.5991% | 4,517 |
| Efficiency ratio | 87.1182% | 1,965 |
| Assets per employee ($millions) | 4.2888% | 3,102 |
| Cash dividends to net income (ytd only)* | -47.3126% | 8,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 3,248 |
| Loan loss allowance to noncurrent loans | 108.6484% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 1.2395% | 4,206 |
| Noncurrent loans to loans | 1.3319% | 4,318 |
| Net loans and leases to total assets | 75.6345% | 2,355 |
| Net loans and leases to deposits | 93.6612% | 2,330 |
| Net loans and leases to core deposits | 122.6216% | 2,196 |
| Total domestic deposits to total assets | 80.7532% | 5,066 |
| Equity capital to assets | 10.2307% | 3,730 |
| Core capital (leverage) ratio | 7.4272% | 7,241 |
| Tier 1 risk-based capital ratio | 8.7177% | 7,903 |
| Total risk-based capital ratio | 9.9688% | 7,963 |
| Memoranda: | ||
| Average total assets | $1,657,685,500 | 439 |
| Average earning assets | $1,546,938,000 | 431 |
| Average equity | $173,535,500 | 416 |
| Average total loans | $1,265,717,000 | 421 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0397% | 5,359 |
| Cost of funding earning assets | 2.8608% | 2,439 |
| Net interest margin | 3.1789% | 6,432 |
| Noninterest income to average assets | 0.6144% | 3,745 |
| Noninterest expense to average assets | 6.7157% | 309 |
| Loan and lease loss provision to assets | 0.2446% | 4,468 |
| Net operating income to assets | -3.4546% | 7,903 |
| Return on assets (ROA) | -3.4390% | 7,885 |
| Pretax return on assets | -3.4769% | 7,806 |
| Return on Equity (ROE) | -28.7450% | 7,940 |
| Retained earnings to average equity (ytd only) | -30.2544% | 7,918 |
| Net charge-offs to loans | 0.2978% | 3,400 |
| Credit loss provision to net charge-offs | 110.8379% | 4,867 |
| Earnings coverage of net charge-offs (x) | -14.7206% | 6,925 |
| Efficiency ratio | 73.1641% | 3,721 |
| Assets per employee ($millions) | 4.3686% | 2,847 |
| Cash dividends to net income (ytd only)* | -5.2509% | 7,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 4,710 |
| Loan loss allowance to noncurrent loans | 162.3149% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6335% | 5,310 |
| Noncurrent loans to loans | 0.7267% | 5,214 |
| Net loans and leases to total assets | 75.0650% | 2,868 |
| Net loans and leases to deposits | 94.1776% | 2,730 |
| Net loans and leases to core deposits | 122.5234% | 2,446 |
| Total domestic deposits to total assets | 79.7058% | 5,127 |
| Equity capital to assets | 10.7082% | 3,291 |
| Core capital (leverage) ratio | 7.9351% | 6,592 |
| Tier 1 risk-based capital ratio | 9.1624% | 7,655 |
| Total risk-based capital ratio | 10.2312% | 7,792 |
| Memoranda: | ||
| Average total assets | $1,584,907,200 | 442 |
| Average earning assets | $1,422,555,400 | 449 |
| Average equity | $189,615,600 | 387 |
| Average total loans | $1,174,457,200 | 443 |