Home > Carolina Commerce Bank > Performance and Condition Ratios
Carolina Commerce Bank, Performance and Condition Ratios
| 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 | 5.4027% | 4,936 |
| Cost of funding earning assets | 2.6767% | 844 |
| Net interest margin | 2.7260% | 7,173 |
| Noninterest income to average assets | -0.5189% | 8,045 |
| Noninterest expense to average assets | 2.9807% | 4,125 |
| Loan and lease loss provision to assets | 1.1080% | 1,763 |
| Net operating income to assets | -2.0886% | 7,355 |
| Return on assets (ROA) | -2.7388% | 7,528 |
| Pretax return on assets | -2.7388% | 7,431 |
| Return on Equity (ROE) | -30.7584% | 7,624 |
| Retained earnings to average equity (ytd only) | -30.7584% | 7,608 |
| Net charge-offs to loans | 1.0713% | 1,856 |
| Credit loss provision to net charge-offs | 138.0875% | 3,584 |
| Earnings coverage of net charge-offs (x) | -1.2220% | 6,665 |
| Efficiency ratio | 149.0247% | 328 |
| Assets per employee ($millions) | 6.6483% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9271% | 1,963 |
| Loan loss allowance to noncurrent loans | 40.7786% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 5.3829% | 1,074 |
| Noncurrent loans to loans | 4.7259% | 1,451 |
| Net loans and leases to total assets | 75.3730% | 2,140 |
| Net loans and leases to deposits | 86.2686% | 3,258 |
| Net loans and leases to core deposits | 106.2658% | 3,674 |
| Total domestic deposits to total assets | 87.3701% | 1,966 |
| Equity capital to assets | 8.2488% | 6,563 |
| Core capital (leverage) ratio | 7.6395% | 6,813 |
| Tier 1 risk-based capital ratio | 9.7550% | 7,184 |
| Total risk-based capital ratio | 11.0132% | 7,140 |
| Memoranda: | ||
| Average total assets | $102,524,000 | 5,058 |
| Average earning assets | $94,740,000 | 5,015 |
| Average equity | $9,129,000 | 5,622 |
| Average total loans | $76,793,000 | 4,667 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4678% | 4,796 |
| Cost of funding earning assets | 2.7526% | 900 |
| Net interest margin | 2.7151% | 7,171 |
| Noninterest income to average assets | -0.1624% | 8,055 |
| Noninterest expense to average assets | 3.8238% | 1,619 |
| Loan and lease loss provision to assets | 1.0439% | 1,627 |
| Net operating income to assets | -2.5131% | 7,560 |
| Return on assets (ROA) | -3.4797% | 7,762 |
| Pretax return on assets | -3.4797% | 7,673 |
| Return on Equity (ROE) | -38.1760% | 7,827 |
| Retained earnings to average equity (ytd only) | -38.1760% | 7,811 |
| Net charge-offs to loans | 1.5070% | 1,261 |
| Credit loss provision to net charge-offs | 93.2642% | 4,823 |
| Earnings coverage of net charge-offs (x) | -1.3126% | 6,292 |
| Efficiency ratio | 162.3974% | 315 |
| Assets per employee ($millions) | 6.4218% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 2,812 |
| Loan loss allowance to noncurrent loans | 137.8007% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 2.5421% | 2,530 |
| Noncurrent loans to loans | 1.1500% | 4,916 |
| Net loans and leases to total assets | 72.7131% | 3,032 |
| Net loans and leases to deposits | 82.1977% | 4,193 |
| Net loans and leases to core deposits | 100.4207% | 4,465 |
| Total domestic deposits to total assets | 88.4612% | 1,547 |
| Equity capital to assets | 8.1869% | 6,514 |
| Core capital (leverage) ratio | 7.8396% | 6,565 |
| Tier 1 risk-based capital ratio | 10.1649% | 6,755 |
| Total risk-based capital ratio | 11.4191% | 6,681 |
| Memoranda: | ||
| Average total assets | $103,457,330 | 5,062 |
| Average earning assets | $95,907,670 | 5,010 |
| Average equity | $9,430,000 | 5,535 |
| Average total loans | $76,843,330 | 4,709 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5474% | 4,652 |
| Cost of funding earning assets | 2.8627% | 846 |
| Net interest margin | 2.6848% | 7,238 |
| Noninterest income to average assets | 0.0617% | 7,757 |
| Noninterest expense to average assets | 3.0594% | 3,522 |
| Loan and lease loss provision to assets | 1.1752% | 1,104 |
| Net operating income to assets | -1.6723% | 7,565 |
| Return on assets (ROA) | -1.6723% | 7,565 |
| Pretax return on assets | -1.6723% | 7,431 |
| Return on Equity (ROE) | -17.4665% | 7,694 |
| Retained earnings to average equity (ytd only) | -17.4665% | 7,563 |
| Net charge-offs to loans | 1.5988% | 909 |
| Credit loss provision to net charge-offs | 98.7055% | 3,829 |
| Earnings coverage of net charge-offs (x) | -0.4175% | 5,223 |
| Efficiency ratio | 119.3985% | 644 |
| Assets per employee ($millions) | 6.0902% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6216% | 2,436 |
| Loan loss allowance to noncurrent loans | 326.6491% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 2.3258% | 2,471 |
| Noncurrent loans to loans | 0.4965% | 6,185 |
| Net loans and leases to total assets | 72.5411% | 3,112 |
| Net loans and leases to deposits | 87.7834% | 3,319 |
| Net loans and leases to core deposits | 107.4695% | 3,746 |
| Total domestic deposits to total assets | 82.6365% | 4,317 |
| Equity capital to assets | 9.4868% | 4,687 |
| Core capital (leverage) ratio | 9.0726% | 4,594 |
| Tier 1 risk-based capital ratio | 11.6687% | 5,238 |
| Total risk-based capital ratio | 12.9227% | 5,148 |
| Memoranda: | ||
| Average total assets | $103,811,500 | 5,074 |
| Average earning assets | $96,693,500 | 5,011 |
| Average equity | $9,939,000 | 5,405 |
| Average total loans | $77,307,500 | 4,710 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3883% | 3,478 |
| Cost of funding earning assets | 3.4597% | 584 |
| Net interest margin | 2.9286% | 7,086 |
| Noninterest income to average assets | 0.1694% | 7,212 |
| Noninterest expense to average assets | 3.4037% | 2,668 |
| Loan and lease loss provision to assets | 0.4787% | 2,908 |
| Net operating income to assets | -1.0385% | 7,269 |
| Return on assets (ROA) | -1.0385% | 7,191 |
| Pretax return on assets | -1.0385% | 7,020 |
| Return on Equity (ROE) | -9.1956% | 7,213 |
| Retained earnings to average equity (ytd only) | -9.1956% | 6,990 |
| Net charge-offs to loans | 1.0827% | 1,123 |
| Credit loss provision to net charge-offs | 56.8750% | 6,269 |
| Earnings coverage of net charge-offs (x) | -0.6650% | 6,528 |
| Efficiency ratio | 119.6818% | 578 |
| Assets per employee ($millions) | 5.7828% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 2,303 |
| Loan loss allowance to noncurrent loans | 78.4586% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 2.4335% | 1,992 |
| Noncurrent loans to loans | 2.0224% | 2,737 |
| Net loans and leases to total assets | 74.0042% | 3,098 |
| Net loans and leases to deposits | 91.9543% | 3,143 |
| Net loans and leases to core deposits | 112.6876% | 3,488 |
| Total domestic deposits to total assets | 80.4794% | 4,845 |
| Equity capital to assets | 9.6609% | 4,471 |
| Core capital (leverage) ratio | 9.5050% | 4,011 |
| Tier 1 risk-based capital ratio | 12.1260% | 4,723 |
| Total risk-based capital ratio | 13.3795% | 4,606 |
| Memoranda: | ||
| Average total assets | $95,044,400 | 5,197 |
| Average earning assets | $86,799,800 | 5,191 |
| Average equity | $10,733,400 | 5,204 |
| Average total loans | $73,886,200 | 4,741 |