Home > Capital Bank & Trust Company > Performance and Condition Ratios
Capital Bank & Trust Company, 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 | 5.0488% | 2,866 |
| Cost of funding earning assets | 1.2767% | 2,325 |
| Net interest margin | 3.7721% | 3,751 |
| Noninterest income to average assets | 0.0764% | 7,010 |
| Noninterest expense to average assets | 1.9607% | 6,892 |
| Loan and lease loss provision to assets | 1.5209% | 415 |
| Net operating income to assets | 0.1622% | 5,910 |
| Return on assets (ROA) | 0.1622% | 5,960 |
| Pretax return on assets | 0.2449% | 5,822 |
| Return on Equity (ROE) | 1.8405% | 5,846 |
| Retained earnings to average equity (ytd only) | 1.8405% | 5,009 |
| Net charge-offs to loans | 4.4987% | 186 |
| Credit loss provision to net charge-offs | 48.3631% | 3,790 |
| Earnings coverage of net charge-offs (x) | 0.5615% | 4,196 |
| Efficiency ratio | 52.6162% | 6,817 |
| Assets per employee ($millions) | 6.6446% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 4,508 |
| Loan loss allowance to noncurrent loans | 59.7293% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.6385% | 3,792 |
| Noncurrent loans to loans | 2.4008% | 3,087 |
| Net loans and leases to total assets | 67.2681% | 2,701 |
| Net loans and leases to deposits | 86.6925% | 1,622 |
| Net loans and leases to core deposits | 101.8078% | 1,217 |
| Total domestic deposits to total assets | 77.5939% | 6,430 |
| Equity capital to assets | 8.9733% | 5,244 |
| Core capital (leverage) ratio | 8.6860% | 5,106 |
| Tier 1 risk-based capital ratio | 12.7161% | 5,045 |
| Total risk-based capital ratio | 13.9671% | 5,026 |
| Memoranda: | ||
| Average total assets | $256,435,500 | 2,505 |
| Average earning assets | $248,138,500 | 2,368 |
| Average equity | $22,602,500 | 2,788 |
| Average total loans | $179,253,500 | 2,318 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1339% | 3,938 |
| Cost of funding earning assets | 1.5896% | 2,132 |
| Net interest margin | 3.5443% | 5,062 |
| Noninterest income to average assets | 0.0680% | 7,030 |
| Noninterest expense to average assets | 2.1002% | 6,844 |
| Loan and lease loss provision to assets | 0.6256% | 2,633 |
| Net operating income to assets | 0.4451% | 4,337 |
| Return on assets (ROA) | 0.5107% | 4,202 |
| Pretax return on assets | 0.8176% | 3,579 |
| Return on Equity (ROE) | 6.3426% | 3,423 |
| Retained earnings to average equity (ytd only) | 6.3426% | 1,641 |
| Net charge-offs to loans | 0.1615% | 5,370 |
| Credit loss provision to net charge-offs | 549.8392% | 411 |
| Earnings coverage of net charge-offs (x) | 11.7846% | 1,574 |
| Efficiency ratio | 61.0355% | 5,888 |
| Assets per employee ($millions) | 6.6763% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8863% | 2,601 |
| Loan loss allowance to noncurrent loans | 72.6370% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.8569% | 3,546 |
| Noncurrent loans to loans | 2.5968% | 2,934 |
| Net loans and leases to total assets | 70.1583% | 2,506 |
| Net loans and leases to deposits | 90.7445% | 1,432 |
| Net loans and leases to core deposits | 103.4792% | 1,354 |
| Total domestic deposits to total assets | 77.3140% | 6,431 |
| Equity capital to assets | 8.6598% | 5,641 |
| Core capital (leverage) ratio | 8.3335% | 5,637 |
| Tier 1 risk-based capital ratio | 11.7158% | 5,715 |
| Total risk-based capital ratio | 12.9730% | 5,713 |
| Memoranda: | ||
| Average total assets | $273,350,400 | 2,334 |
| Average earning assets | $260,134,200 | 2,257 |
| Average equity | $22,010,000 | 2,872 |
| Average total loans | $192,613,000 | 2,223 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1555% | 4,052 |
| Cost of funding earning assets | 1.6476% | 2,120 |
| Net interest margin | 3.5079% | 5,261 |
| Noninterest income to average assets | 0.0651% | 7,204 |
| Noninterest expense to average assets | 2.1345% | 6,770 |
| Loan and lease loss provision to assets | 0.6026% | 2,534 |
| Net operating income to assets | 0.3971% | 4,763 |
| Return on assets (ROA) | 0.4835% | 4,588 |
| Pretax return on assets | 0.7872% | 3,958 |
| Return on Equity (ROE) | 6.1132% | 3,765 |
| Retained earnings to average equity (ytd only) | 6.1132% | 2,300 |
| Net charge-offs to loans | 0.1455% | 5,141 |
| Credit loss provision to net charge-offs | 589.6226% | 495 |
| Earnings coverage of net charge-offs (x) | 12.2783% | 1,704 |
| Efficiency ratio | 62.9782% | 5,433 |
| Assets per employee ($millions) | 6.7709% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6616% | 3,291 |
| Loan loss allowance to noncurrent loans | 125.8889% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.9242% | 5,257 |
| Noncurrent loans to loans | 1.3199% | 4,658 |
| Net loans and leases to total assets | 68.8566% | 3,018 |
| Net loans and leases to deposits | 88.6999% | 1,909 |
| Net loans and leases to core deposits | 105.8076% | 1,344 |
| Total domestic deposits to total assets | 77.6287% | 6,339 |
| Equity capital to assets | 8.3191% | 6,483 |
| Core capital (leverage) ratio | 7.8904% | 6,476 |
| Tier 1 risk-based capital ratio | 11.4262% | 5,994 |
| Total risk-based capital ratio | 12.6807% | 5,977 |
| Memoranda: | ||
| Average total assets | $276,593,750 | 2,341 |
| Average earning assets | $262,107,500 | 2,273 |
| Average equity | $21,875,500 | 2,936 |
| Average total loans | $194,219,250 | 2,246 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1515% | 4,190 |
| Cost of funding earning assets | 1.6905% | 2,163 |
| Net interest margin | 3.4610% | 5,397 |
| Noninterest income to average assets | 0.0826% | 7,177 |
| Noninterest expense to average assets | 2.1047% | 6,894 |
| Loan and lease loss provision to assets | 0.6642% | 2,174 |
| Net operating income to assets | 0.3453% | 4,989 |
| Return on assets (ROA) | 0.4739% | 4,599 |
| Pretax return on assets | 0.7770% | 3,962 |
| Return on Equity (ROE) | 6.0950% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.0950% | 2,285 |
| Net charge-offs to loans | 0.0879% | 5,258 |
| Credit loss provision to net charge-offs | 1,075.5814% | 351 |
| Earnings coverage of net charge-offs (x) | 20.0814% | 1,232 |
| Efficiency ratio | 62.9240% | 5,537 |
| Assets per employee ($millions) | 6.0240% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 3,835 |
| Loan loss allowance to noncurrent loans | 189.9614% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.5733% | 6,047 |
| Noncurrent loans to loans | 0.7982% | 5,678 |
| Net loans and leases to total assets | 70.7302% | 2,736 |
| Net loans and leases to deposits | 91.6126% | 1,597 |
| Net loans and leases to core deposits | 111.9463% | 1,036 |
| Total domestic deposits to total assets | 77.2057% | 6,448 |
| Equity capital to assets | 8.1422% | 6,607 |
| Core capital (leverage) ratio | 7.8431% | 6,448 |
| Tier 1 risk-based capital ratio | 10.9149% | 6,322 |
| Total risk-based capital ratio | 12.1676% | 6,311 |
| Memoranda: | ||
| Average total assets | $278,513,670 | 2,342 |
| Average earning assets | $262,523,670 | 2,281 |
| Average equity | $21,657,000 | 2,952 |
| Average total loans | $195,746,330 | 2,258 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0629% | 4,721 |
| Cost of funding earning assets | 1.6861% | 2,458 |
| Net interest margin | 3.3768% | 5,682 |
| Noninterest income to average assets | 0.0723% | 7,348 |
| Noninterest expense to average assets | 2.0508% | 7,059 |
| Loan and lease loss provision to assets | 0.8575% | 1,481 |
| Net operating income to assets | 0.2038% | 5,672 |
| Return on assets (ROA) | 0.4578% | 4,708 |
| Pretax return on assets | 0.7568% | 4,040 |
| Return on Equity (ROE) | 6.0235% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.0235% | 2,612 |
| Net charge-offs to loans | 0.1834% | 3,821 |
| Credit loss provision to net charge-offs | 672.2222% | 656 |
| Earnings coverage of net charge-offs (x) | 9.5444% | 1,836 |
| Efficiency ratio | 62.7493% | 5,697 |
| Assets per employee ($millions) | 6.7764% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 4,652 |
| Loan loss allowance to noncurrent loans | 183.3915% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 6,206 |
| Noncurrent loans to loans | 0.7388% | 5,845 |
| Net loans and leases to total assets | 68.8713% | 3,185 |
| Net loans and leases to deposits | 88.5583% | 2,118 |
| Net loans and leases to core deposits | 107.4072% | 1,465 |
| Total domestic deposits to total assets | 77.7695% | 6,373 |
| Equity capital to assets | 7.7564% | 6,880 |
| Core capital (leverage) ratio | 7.6029% | 6,731 |
| Tier 1 risk-based capital ratio | 11.0445% | 6,117 |
| Total risk-based capital ratio | 12.2955% | 6,087 |
| Memoranda: | ||
| Average total assets | $282,230,000 | 2,375 |
| Average earning assets | $267,118,000 | 2,302 |
| Average equity | $21,449,500 | 3,011 |
| Average total loans | $196,275,500 | 2,315 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1539% | 5,860 |
| Cost of funding earning assets | 2.1696% | 2,158 |
| Net interest margin | 2.9843% | 6,685 |
| Noninterest income to average assets | 0.1182% | 7,162 |
| Noninterest expense to average assets | 2.1312% | 7,121 |
| Loan and lease loss provision to assets | 0.5376% | 3,679 |
| Net operating income to assets | 0.1781% | 4,969 |
| Return on assets (ROA) | 0.3268% | 4,514 |
| Pretax return on assets | 0.5437% | 4,068 |
| Return on Equity (ROE) | 4.0735% | 4,059 |
| Retained earnings to average equity (ytd only) | 4.0735% | 2,368 |
| Net charge-offs to loans | 0.6036% | 3,410 |
| Credit loss provision to net charge-offs | 114.9755% | 4,753 |
| Earnings coverage of net charge-offs (x) | 1.8159% | 4,362 |
| Efficiency ratio | 71.5111% | 4,348 |
| Assets per employee ($millions) | 7.5428% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 6,070 |
| Loan loss allowance to noncurrent loans | 146.2284% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 6,195 |
| Noncurrent loans to loans | 0.7277% | 5,800 |
| Net loans and leases to total assets | 68.5430% | 3,581 |
| Net loans and leases to deposits | 88.3464% | 2,500 |
| Net loans and leases to core deposits | 102.0476% | 3,798 |
| Total domestic deposits to total assets | 77.5844% | 6,327 |
| Equity capital to assets | 7.4484% | 7,079 |
| Core capital (leverage) ratio | 7.6242% | 6,649 |
| Tier 1 risk-based capital ratio | 10.8050% | 6,110 |
| Total risk-based capital ratio | 11.8842% | 6,237 |
| Memoranda: | ||
| Average total assets | $261,357,800 | 2,500 |
| Average earning assets | $250,646,600 | 2,395 |
| Average equity | $20,965,000 | 3,076 |
| Average total loans | $202,454,200 | 2,278 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2312% | 5,753 |
| Cost of funding earning assets | 2.2585% | 2,158 |
| Net interest margin | 2.9727% | 6,680 |
| Noninterest income to average assets | 0.1344% | 7,205 |
| Noninterest expense to average assets | 2.2035% | 6,966 |
| Loan and lease loss provision to assets | 0.4627% | 3,597 |
| Net operating income to assets | 0.1875% | 5,200 |
| Return on assets (ROA) | 0.3079% | 4,872 |
| Pretax return on assets | 0.5134% | 4,477 |
| Return on Equity (ROE) | 3.7630% | 4,465 |
| Retained earnings to average equity (ytd only) | 3.7630% | 3,179 |
| Net charge-offs to loans | 0.4850% | 3,290 |
| Credit loss provision to net charge-offs | 119.5946% | 4,248 |
| Earnings coverage of net charge-offs (x) | 2.0365% | 4,295 |
| Efficiency ratio | 73.6631% | 3,927 |
| Assets per employee ($millions) | 6.6806% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 5,948 |
| Loan loss allowance to noncurrent loans | 105.6517% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.7350% | 5,661 |
| Noncurrent loans to loans | 1.0056% | 5,295 |
| Net loans and leases to total assets | 72.3087% | 2,954 |
| Net loans and leases to deposits | 96.3005% | 1,535 |
| Net loans and leases to core deposits | 110.7858% | 3,149 |
| Total domestic deposits to total assets | 75.0865% | 6,760 |
| Equity capital to assets | 7.9648% | 6,881 |
| Core capital (leverage) ratio | 7.7422% | 6,674 |
| Tier 1 risk-based capital ratio | 10.8650% | 6,094 |
| Total risk-based capital ratio | 11.9442% | 6,231 |
| Memoranda: | ||
| Average total assets | $255,040,750 | 2,573 |
| Average earning assets | $245,111,750 | 2,466 |
| Average equity | $20,869,000 | 3,113 |
| Average total loans | $203,424,000 | 2,289 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1893% | 6,118 |
| Cost of funding earning assets | 2.3053% | 2,342 |
| Net interest margin | 2.8840% | 6,836 |
| Noninterest income to average assets | 0.1673% | 7,084 |
| Noninterest expense to average assets | 2.2727% | 6,842 |
| Loan and lease loss provision to assets | 0.4622% | 3,215 |
| Net operating income to assets | 0.1192% | 5,504 |
| Return on assets (ROA) | 0.2701% | 5,112 |
| Pretax return on assets | 0.4478% | 4,799 |
| Return on Equity (ROE) | 3.2705% | 4,797 |
| Retained earnings to average equity (ytd only) | 3.2705% | 3,500 |
| Net charge-offs to loans | 0.3609% | 3,376 |
| Credit loss provision to net charge-offs | 155.9140% | 2,950 |
| Earnings coverage of net charge-offs (x) | 2.2742% | 3,930 |
| Efficiency ratio | 77.1228% | 3,491 |
| Assets per employee ($millions) | 6.3586% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 5,794 |
| Loan loss allowance to noncurrent loans | 64.7290% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.2986% | 4,347 |
| Noncurrent loans to loans | 1.6510% | 4,022 |
| Net loans and leases to total assets | 77.8184% | 1,790 |
| Net loans and leases to deposits | 102.3032% | 1,053 |
| Net loans and leases to core deposits | 115.4991% | 2,760 |
| Total domestic deposits to total assets | 76.0665% | 6,532 |
| Equity capital to assets | 8.2059% | 6,479 |
| Core capital (leverage) ratio | 8.1083% | 6,151 |
| Tier 1 risk-based capital ratio | 10.4976% | 6,381 |
| Total risk-based capital ratio | 11.5849% | 6,490 |
| Memoranda: | ||
| Average total assets | $250,979,330 | 2,622 |
| Average earning assets | $241,882,330 | 2,505 |
| Average equity | $20,730,670 | 3,133 |
| Average total loans | $206,131,330 | 2,279 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0914% | 6,671 |
| Cost of funding earning assets | 2.3314% | 2,571 |
| Net interest margin | 2.7601% | 7,074 |
| Noninterest income to average assets | 0.0802% | 7,654 |
| Noninterest expense to average assets | 2.2126% | 6,831 |
| Loan and lease loss provision to assets | 0.2407% | 4,053 |
| Net operating income to assets | 0.1710% | 5,750 |
| Return on assets (ROA) | 0.2182% | 5,766 |
| Pretax return on assets | 0.3658% | 5,496 |
| Return on Equity (ROE) | 2.6330% | 5,513 |
| Retained earnings to average equity (ytd only) | 2.6330% | 4,414 |
| Net charge-offs to loans | 0.2218% | 3,309 |
| Credit loss provision to net charge-offs | 129.3103% | 3,102 |
| Earnings coverage of net charge-offs (x) | 2.8621% | 3,352 |
| Efficiency ratio | 80.5961% | 2,726 |
| Assets per employee ($millions) | 6.2497% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 6,494 |
| Loan loss allowance to noncurrent loans | 92.0769% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.8532% | 5,060 |
| Noncurrent loans to loans | 1.0309% | 4,927 |
| Net loans and leases to total assets | 81.9786% | 1,025 |
| Net loans and leases to deposits | 106.0224% | 861 |
| Net loans and leases to core deposits | 120.2748% | 2,394 |
| Total domestic deposits to total assets | 77.3219% | 6,203 |
| Equity capital to assets | 8.3049% | 6,384 |
| Core capital (leverage) ratio | 8.2197% | 6,061 |
| Tier 1 risk-based capital ratio | 10.1911% | 6,726 |
| Total risk-based capital ratio | 11.1704% | 6,908 |
| Memoranda: | ||
| Average total assets | $249,298,000 | 2,653 |
| Average earning assets | $240,718,000 | 2,529 |
| Average equity | $20,660,500 | 3,157 |
| Average total loans | $209,165,500 | 2,278 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7350% | 6,663 |
| Cost of funding earning assets | 2.8668% | 2,407 |
| Net interest margin | 2.8681% | 7,214 |
| Noninterest income to average assets | 0.0650% | 7,821 |
| Noninterest expense to average assets | 2.1636% | 7,084 |
| Loan and lease loss provision to assets | 0.1934% | 4,949 |
| Net operating income to assets | 0.2895% | 5,577 |
| Return on assets (ROA) | 0.2917% | 5,381 |
| Pretax return on assets | 0.4855% | 5,012 |
| Return on Equity (ROE) | 3.6968% | 4,949 |
| Retained earnings to average equity (ytd only) | 3.6968% | 2,846 |
| Net charge-offs to loans | 0.1260% | 4,980 |
| Credit loss provision to net charge-offs | 189.5833% | 2,605 |
| Earnings coverage of net charge-offs (x) | 6.6208% | 3,316 |
| Efficiency ratio | 76.2055% | 3,205 |
| Assets per employee ($millions) | 6.3746% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 6,605 |
| Loan loss allowance to noncurrent loans | 116.4756% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.6665% | 5,223 |
| Noncurrent loans to loans | 0.7837% | 5,076 |
| Net loans and leases to total assets | 84.2693% | 848 |
| Net loans and leases to deposits | 111.5096% | 735 |
| Net loans and leases to core deposits | 127.2996% | 2,056 |
| Total domestic deposits to total assets | 75.5714% | 6,328 |
| Equity capital to assets | 8.2700% | 6,459 |
| Core capital (leverage) ratio | 8.4085% | 5,742 |
| Tier 1 risk-based capital ratio | 10.0607% | 6,675 |
| Total risk-based capital ratio | 11.0171% | 6,890 |
| Memoranda: | ||
| Average total assets | $235,208,000 | 2,701 |
| Average earning assets | $227,499,000 | 2,572 |
| Average equity | $18,556,800 | 3,466 |
| Average total loans | $190,426,400 | 2,386 |