Home > Carolina First Bank > Performance and Condition Ratios
Carolina First Bank, Performance and Condition Ratios
| 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 | 4.3471% | 6,976 |
| Cost of funding earning assets | 1.6181% | 2,558 |
| Net interest margin | 2.7290% | 7,222 |
| Noninterest income to average assets | 0.5479% | 3,731 |
| Noninterest expense to average assets | 6.2078% | 207 |
| Loan and lease loss provision to assets | 3.5127% | 246 |
| Net operating income to assets | -6.6392% | 7,757 |
| Return on assets (ROA) | -6.4667% | 7,758 |
| Pretax return on assets | -6.5803% | 7,747 |
| Return on Equity (ROE) | -77.5586% | 7,698 |
| Retained earnings to average equity (ytd only) | -77.5586% | 7,696 |
| Net charge-offs to loans | 4.5144% | 256 |
| Credit loss provision to net charge-offs | 115.7142% | 3,506 |
| Earnings coverage of net charge-offs (x) | -1.0685% | 6,129 |
| Efficiency ratio | 87.4430% | 1,564 |
| Assets per employee ($millions) | 5.6038% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1240% | 161 |
| Loan loss allowance to noncurrent loans | 83.0209% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 5.3739% | 1,161 |
| Noncurrent loans to loans | 6.1719% | 1,018 |
| Net loans and leases to total assets | 63.0379% | 4,458 |
| Net loans and leases to deposits | 77.0955% | 4,146 |
| Net loans and leases to core deposits | 98.2633% | 2,201 |
| Total domestic deposits to total assets | 81.4898% | 5,201 |
| Equity capital to assets | 6.7515% | 7,424 |
| Core capital (leverage) ratio | 5.8974% | 7,497 |
| Tier 1 risk-based capital ratio | 8.2392% | 7,506 |
| Total risk-based capital ratio | 9.8519% | 7,487 |
| Memoranda: | ||
| Average total assets | $11,954,825,330 | 89 |
| Average earning assets | $10,584,469,670 | 89 |
| Average equity | $996,774,670 | 118 |
| Average total loans | $8,038,815,330 | 87 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3917% | 7,006 |
| Cost of funding earning assets | 1.6031% | 2,942 |
| Net interest margin | 2.7885% | 7,193 |
| Noninterest income to average assets | 0.5222% | 3,876 |
| Noninterest expense to average assets | 2.5446% | 5,565 |
| Loan and lease loss provision to assets | 3.1378% | 312 |
| Net operating income to assets | -2.6004% | 7,576 |
| Return on assets (ROA) | -2.6004% | 7,576 |
| Pretax return on assets | -2.7165% | 7,551 |
| Return on Equity (ROE) | -28.5942% | 7,550 |
| Retained earnings to average equity (ytd only) | -28.5942% | 7,519 |
| Net charge-offs to loans | 4.2745% | 304 |
| Credit loss provision to net charge-offs | 108.5510% | 3,168 |
| Earnings coverage of net charge-offs (x) | 0.1458% | 4,905 |
| Efficiency ratio | 84.6740% | 1,952 |
| Assets per employee ($millions) | 5.7967% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6533% | 234 |
| Loan loss allowance to noncurrent loans | 98.8210% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 4.1918% | 1,624 |
| Noncurrent loans to loans | 4.7089% | 1,569 |
| Net loans and leases to total assets | 61.6056% | 4,834 |
| Net loans and leases to deposits | 77.9656% | 4,053 |
| Net loans and leases to core deposits | 101.1655% | 2,012 |
| Total domestic deposits to total assets | 78.7266% | 6,142 |
| Equity capital to assets | 8.7265% | 5,698 |
| Core capital (leverage) ratio | 6.8748% | 7,314 |
| Tier 1 risk-based capital ratio | 8.8450% | 7,508 |
| Total risk-based capital ratio | 10.4456% | 7,436 |
| Memoranda: | ||
| Average total assets | $12,143,495,500 | 86 |
| Average earning assets | $10,642,161,000 | 88 |
| Average equity | $1,104,334,500 | 110 |
| Average total loans | $8,212,045,000 | 86 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9055% | 6,701 |
| Cost of funding earning assets | 1.9098% | 3,412 |
| Net interest margin | 2.9957% | 6,659 |
| Noninterest income to average assets | 0.5218% | 4,244 |
| Noninterest expense to average assets | 2.9800% | 4,236 |
| Loan and lease loss provision to assets | 5.2288% | 168 |
| Net operating income to assets | -5.2468% | 7,775 |
| Return on assets (ROA) | -5.1548% | 7,754 |
| Pretax return on assets | -4.9621% | 7,702 |
| Return on Equity (ROE) | -45.7016% | 7,635 |
| Retained earnings to average equity (ytd only) | -45.7016% | 7,624 |
| Net charge-offs to loans | 5.8169% | 179 |
| Credit loss provision to net charge-offs | 121.7274% | 4,362 |
| Earnings coverage of net charge-offs (x) | 0.0407% | 6,143 |
| Efficiency ratio | 92.7197% | 1,509 |
| Assets per employee ($millions) | 5.3763% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3502% | 282 |
| Loan loss allowance to noncurrent loans | 89.2875% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 4.4761% | 1,443 |
| Noncurrent loans to loans | 4.8721% | 1,402 |
| Net loans and leases to total assets | 67.6947% | 3,772 |
| Net loans and leases to deposits | 85.7522% | 2,957 |
| Net loans and leases to core deposits | 98.4903% | 4,178 |
| Total domestic deposits to total assets | 78.3234% | 6,161 |
| Equity capital to assets | 9.4782% | 4,440 |
| Core capital (leverage) ratio | 7.1257% | 7,134 |
| Tier 1 risk-based capital ratio | 8.9644% | 7,484 |
| Total risk-based capital ratio | 10.5461% | 7,329 |
| Memoranda: | ||
| Average total assets | $12,702,972,000 | 84 |
| Average earning assets | $11,164,303,600 | 85 |
| Average equity | $1,432,797,800 | 82 |
| Average total loans | $9,380,525,200 | 77 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 6,836 |
| Cost of funding earning assets | 1.9540% | 3,599 |
| Net interest margin | 2.9648% | 6,699 |
| Noninterest income to average assets | 0.6246% | 3,530 |
| Noninterest expense to average assets | 2.9937% | 4,069 |
| Loan and lease loss provision to assets | 5.1145% | 161 |
| Net operating income to assets | -5.0440% | 7,845 |
| Return on assets (ROA) | -4.9875% | 7,842 |
| Pretax return on assets | -4.8114% | 7,789 |
| Return on Equity (ROE) | -42.6518% | 7,776 |
| Retained earnings to average equity (ytd only) | -42.6518% | 7,772 |
| Net charge-offs to loans | 5.5177% | 177 |
| Credit loss provision to net charge-offs | 124.3334% | 4,052 |
| Earnings coverage of net charge-offs (x) | 0.0600% | 5,984 |
| Efficiency ratio | 90.5127% | 1,644 |
| Assets per employee ($millions) | 5.5530% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8210% | 332 |
| Loan loss allowance to noncurrent loans | 77.2976% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 4.4916% | 1,365 |
| Noncurrent loans to loans | 4.9432% | 1,353 |
| Net loans and leases to total assets | 69.6744% | 3,586 |
| Net loans and leases to deposits | 89.2404% | 2,733 |
| Net loans and leases to core deposits | 103.0216% | 4,053 |
| Total domestic deposits to total assets | 77.4134% | 6,236 |
| Equity capital to assets | 10.7235% | 3,268 |
| Core capital (leverage) ratio | 8.3426% | 5,763 |
| Tier 1 risk-based capital ratio | 10.1362% | 6,844 |
| Total risk-based capital ratio | 11.6984% | 6,473 |
| Memoranda: | ||
| Average total assets | $12,909,656,500 | 88 |
| Average earning assets | $11,390,145,000 | 88 |
| Average equity | $1,509,585,000 | 81 |
| Average total loans | $9,624,351,750 | 78 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9717% | 6,866 |
| Cost of funding earning assets | 2.0010% | 3,775 |
| Net interest margin | 2.9707% | 6,634 |
| Noninterest income to average assets | 0.4751% | 4,672 |
| Noninterest expense to average assets | 3.1044% | 3,686 |
| Loan and lease loss provision to assets | 4.1506% | 292 |
| Net operating income to assets | -2.4937% | 7,556 |
| Return on assets (ROA) | -2.4412% | 7,540 |
| Pretax return on assets | -4.0679% | 7,761 |
| Return on Equity (ROE) | -20.3507% | 7,512 |
| Retained earnings to average equity (ytd only) | -20.3507% | 7,464 |
| Net charge-offs to loans | 4.6541% | 272 |
| Credit loss provision to net charge-offs | 118.5791% | 3,924 |
| Earnings coverage of net charge-offs (x) | 0.0002% | 5,692 |
| Efficiency ratio | 97.6948% | 1,280 |
| Assets per employee ($millions) | 5.4157% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0510% | 545 |
| Loan loss allowance to noncurrent loans | 59.9812% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 4.5372% | 1,231 |
| Noncurrent loans to loans | 5.0866% | 1,195 |
| Net loans and leases to total assets | 72.2134% | 3,160 |
| Net loans and leases to deposits | 95.1037% | 1,935 |
| Net loans and leases to core deposits | 110.5267% | 3,321 |
| Total domestic deposits to total assets | 75.3942% | 6,683 |
| Equity capital to assets | 12.6295% | 1,860 |
| Core capital (leverage) ratio | 9.1700% | 4,348 |
| Tier 1 risk-based capital ratio | 11.0089% | 5,864 |
| Total risk-based capital ratio | 12.5473% | 5,499 |
| Memoranda: | ||
| Average total assets | $13,124,031,000 | 93 |
| Average earning assets | $11,619,002,000 | 88 |
| Average equity | $1,574,314,330 | 79 |
| Average total loans | $9,870,414,000 | 80 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9147% | 7,137 |
| Cost of funding earning assets | 2.0344% | 3,962 |
| Net interest margin | 2.8803% | 6,798 |
| Noninterest income to average assets | 0.7474% | 2,616 |
| Noninterest expense to average assets | 2.6389% | 5,275 |
| Loan and lease loss provision to assets | 4.2402% | 215 |
| Net operating income to assets | -2.1370% | 7,695 |
| Return on assets (ROA) | -2.1371% | 7,694 |
| Pretax return on assets | -3.5648% | 7,850 |
| Return on Equity (ROE) | -18.2671% | 7,717 |
| Retained earnings to average equity (ytd only) | -18.2671% | 7,597 |
| Net charge-offs to loans | 4.3070% | 272 |
| Credit loss provision to net charge-offs | 130.3171% | 3,080 |
| Earnings coverage of net charge-offs (x) | 0.2076% | 4,817 |
| Efficiency ratio | 78.4701% | 3,093 |
| Assets per employee ($millions) | 5.5187% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7942% | 582 |
| Loan loss allowance to noncurrent loans | 63.3031% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 3.8960% | 1,341 |
| Noncurrent loans to loans | 4.4140% | 1,320 |
| Net loans and leases to total assets | 73.5543% | 2,877 |
| Net loans and leases to deposits | 102.9758% | 1,094 |
| Net loans and leases to core deposits | 124.0460% | 2,075 |
| Total domestic deposits to total assets | 69.7532% | 7,446 |
| Equity capital to assets | 11.6246% | 2,500 |
| Core capital (leverage) ratio | 8.7937% | 4,999 |
| Tier 1 risk-based capital ratio | 10.0945% | 6,814 |
| Total risk-based capital ratio | 11.7472% | 6,309 |
| Memoranda: | ||
| Average total assets | $13,409,287,000 | 93 |
| Average earning assets | $11,951,232,500 | 89 |
| Average equity | $1,568,747,500 | 81 |
| Average total loans | $10,130,316,500 | 79 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9299% | 5,899 |
| Cost of funding earning assets | 2.7236% | 3,044 |
| Net interest margin | 3.2062% | 6,347 |
| Noninterest income to average assets | 0.8611% | 2,160 |
| Noninterest expense to average assets | 5.7656% | 449 |
| Loan and lease loss provision to assets | 2.5041% | 414 |
| Net operating income to assets | -3.9538% | 7,982 |
| Return on assets (ROA) | -3.9433% | 7,962 |
| Pretax return on assets | -4.5559% | 7,971 |
| Return on Equity (ROE) | -33.6256% | 8,007 |
| Retained earnings to average equity (ytd only) | -35.1771% | 7,991 |
| Net charge-offs to loans | 2.1646% | 484 |
| Credit loss provision to net charge-offs | 154.0079% | 3,388 |
| Earnings coverage of net charge-offs (x) | -1.2694% | 6,636 |
| Efficiency ratio | 70.8039% | 4,177 |
| Assets per employee ($millions) | 5.4755% | 1,473 |
| Cash dividends to net income (ytd only)* | -4.6140% | 7,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4143% | 754 |
| Loan loss allowance to noncurrent loans | 59.7682% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 3.3761% | 1,330 |
| Noncurrent loans to loans | 4.0394% | 1,215 |
| Net loans and leases to total assets | 73.6072% | 3,204 |
| Net loans and leases to deposits | 103.3862% | 1,414 |
| Net loans and leases to core deposits | 125.6986% | 2,183 |
| Total domestic deposits to total assets | 69.5454% | 7,330 |
| Equity capital to assets | 11.7716% | 2,455 |
| Core capital (leverage) ratio | 9.4858% | 4,028 |
| Tier 1 risk-based capital ratio | 10.8842% | 5,829 |
| Total risk-based capital ratio | 12.5933% | 5,301 |
| Memoranda: | ||
| Average total assets | $13,740,465,400 | 88 |
| Average earning assets | $12,173,190,400 | 86 |
| Average equity | $1,611,350,600 | 71 |
| Average total loans | $10,320,932,600 | 78 |