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Castle 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 | 4.8174% | 5,732 |
| Cost of funding earning assets | 0.8122% | 6,870 |
| Net interest margin | 4.0052% | 2,989 |
| Noninterest income to average assets | 0.8499% | 1,882 |
| Noninterest expense to average assets | 3.4593% | 2,122 |
| Loan and lease loss provision to assets | 1.1572% | 1,233 |
| Net operating income to assets | -0.2135% | 6,371 |
| Return on assets (ROA) | -0.0439% | 6,232 |
| Pretax return on assets | -0.1718% | 6,311 |
| Return on Equity (ROE) | -0.2588% | 6,213 |
| Retained earnings to average equity (ytd only) | -0.2588% | 5,786 |
| Net charge-offs to loans | 2.8671% | 572 |
| Credit loss provision to net charge-offs | 64.5637% | 5,107 |
| Earnings coverage of net charge-offs (x) | 0.4020% | 5,330 |
| Efficiency ratio | 78.3977% | 2,658 |
| Assets per employee ($millions) | 3.7412% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8788% | 931 |
| Loan loss allowance to noncurrent loans | 43.8577% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 4.6588% | 1,401 |
| Noncurrent loans to loans | 6.5639% | 904 |
| Net loans and leases to total assets | 57.8466% | 5,441 |
| Net loans and leases to deposits | 69.9660% | 5,281 |
| Net loans and leases to core deposits | 74.2095% | 5,422 |
| Total domestic deposits to total assets | 82.6781% | 4,702 |
| Equity capital to assets | 16.8825% | 544 |
| Core capital (leverage) ratio | 10.0077% | 3,157 |
| Tier 1 risk-based capital ratio | 14.2044% | 3,603 |
| Total risk-based capital ratio | 15.4723% | 3,558 |
| Memoranda: | ||
| Average total assets | $1,052,340,000 | 632 |
| Average earning assets | $874,919,670 | 686 |
| Average equity | $178,526,330 | 386 |
| Average total loans | $657,871,670 | 666 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 5,998 |
| Cost of funding earning assets | 0.8380% | 6,976 |
| Net interest margin | 3.9320% | 3,188 |
| Noninterest income to average assets | 0.7850% | 2,092 |
| Noninterest expense to average assets | 3.4086% | 2,205 |
| Loan and lease loss provision to assets | 0.8083% | 1,559 |
| Net operating income to assets | -0.1142% | 6,444 |
| Return on assets (ROA) | 0.2326% | 5,683 |
| Pretax return on assets | 0.3267% | 5,535 |
| Return on Equity (ROE) | 1.3676% | 6,009 |
| Retained earnings to average equity (ytd only) | 1.3676% | 5,264 |
| Net charge-offs to loans | 3.4031% | 421 |
| Credit loss provision to net charge-offs | 37.1083% | 4,689 |
| Earnings coverage of net charge-offs (x) | 0.2969% | 4,776 |
| Efficiency ratio | 79.5412% | 2,640 |
| Assets per employee ($millions) | 3.6469% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7446% | 1,042 |
| Loan loss allowance to noncurrent loans | 43.6329% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 4.5476% | 1,482 |
| Noncurrent loans to loans | 6.2901% | 1,017 |
| Net loans and leases to total assets | 61.0372% | 4,934 |
| Net loans and leases to deposits | 74.8095% | 4,619 |
| Net loans and leases to core deposits | 78.9265% | 4,904 |
| Total domestic deposits to total assets | 81.5902% | 5,235 |
| Equity capital to assets | 17.1519% | 515 |
| Core capital (leverage) ratio | 9.9680% | 3,203 |
| Tier 1 risk-based capital ratio | 13.7492% | 3,837 |
| Total risk-based capital ratio | 15.0157% | 3,777 |
| Memoranda: | ||
| Average total assets | $1,049,126,000 | 647 |
| Average earning assets | $872,528,000 | 703 |
| Average equity | $178,416,000 | 390 |
| Average total loans | $671,500,000 | 675 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1219% | 5,995 |
| Cost of funding earning assets | 1.3830% | 6,006 |
| Net interest margin | 3.7389% | 3,954 |
| Noninterest income to average assets | 1.1869% | 1,091 |
| Noninterest expense to average assets | 3.3834% | 2,731 |
| Loan and lease loss provision to assets | 1.9229% | 1,150 |
| Net operating income to assets | -0.5368% | 6,222 |
| Return on assets (ROA) | -0.4319% | 6,108 |
| Pretax return on assets | -0.8176% | 6,277 |
| Return on Equity (ROE) | -2.6689% | 5,944 |
| Retained earnings to average equity (ytd only) | -8.0196% | 6,350 |
| Net charge-offs to loans | 2.2099% | 1,075 |
| Credit loss provision to net charge-offs | 127.3061% | 4,070 |
| Earnings coverage of net charge-offs (x) | 0.6233% | 5,472 |
| Efficiency ratio | 74.3893% | 3,811 |
| Assets per employee ($millions) | 3.6513% | 4,645 |
| Cash dividends to net income (ytd only)* | -200.4812% | 7,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1122% | 704 |
| Loan loss allowance to noncurrent loans | 50.0675% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 4.4904% | 1,433 |
| Noncurrent loans to loans | 6.2161% | 994 |
| Net loans and leases to total assets | 63.1986% | 4,769 |
| Net loans and leases to deposits | 76.4354% | 4,660 |
| Net loans and leases to core deposits | 87.7534% | 5,350 |
| Total domestic deposits to total assets | 82.6824% | 4,669 |
| Equity capital to assets | 16.8631% | 571 |
| Core capital (leverage) ratio | 9.7222% | 3,418 |
| Tier 1 risk-based capital ratio | 13.4699% | 3,843 |
| Total risk-based capital ratio | 14.7416% | 3,770 |
| Memoranda: | ||
| Average total assets | $1,154,809,800 | 579 |
| Average earning assets | $969,204,600 | 619 |
| Average equity | $186,892,200 | 369 |
| Average total loans | $789,316,800 | 580 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1602% | 6,066 |
| Cost of funding earning assets | 1.5103% | 5,778 |
| Net interest margin | 3.6499% | 4,272 |
| Noninterest income to average assets | 1.1892% | 1,101 |
| Noninterest expense to average assets | 3.3441% | 2,748 |
| Loan and lease loss provision to assets | 2.0873% | 848 |
| Net operating income to assets | -0.6553% | 6,569 |
| Return on assets (ROA) | -0.5183% | 6,445 |
| Pretax return on assets | -0.9568% | 6,650 |
| Return on Equity (ROE) | -3.2328% | 6,273 |
| Retained earnings to average equity (ytd only) | -10.2882% | 6,832 |
| Net charge-offs to loans | 2.1782% | 888 |
| Credit loss provision to net charge-offs | 138.7727% | 3,568 |
| Earnings coverage of net charge-offs (x) | 0.6093% | 5,420 |
| Efficiency ratio | 74.6708% | 3,750 |
| Assets per employee ($millions) | 3.6908% | 4,448 |
| Cash dividends to net income (ytd only)* | -218.2453% | 8,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0125% | 663 |
| Loan loss allowance to noncurrent loans | 66.0740% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 3.7335% | 1,743 |
| Noncurrent loans to loans | 4.5593% | 1,522 |
| Net loans and leases to total assets | 64.9455% | 4,658 |
| Net loans and leases to deposits | 78.2803% | 4,703 |
| Net loans and leases to core deposits | 89.7578% | 5,457 |
| Total domestic deposits to total assets | 82.9653% | 4,241 |
| Equity capital to assets | 16.3489% | 731 |
| Core capital (leverage) ratio | 9.2279% | 4,297 |
| Tier 1 risk-based capital ratio | 12.6744% | 4,412 |
| Total risk-based capital ratio | 13.9447% | 4,350 |
| Memoranda: | ||
| Average total assets | $1,178,792,250 | 577 |
| Average earning assets | $991,928,250 | 619 |
| Average equity | $188,975,250 | 376 |
| Average total loans | $813,972,750 | 580 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1221% | 6,344 |
| Cost of funding earning assets | 1.6619% | 5,463 |
| Net interest margin | 3.4602% | 4,964 |
| Noninterest income to average assets | 1.1504% | 1,182 |
| Noninterest expense to average assets | 3.3150% | 2,898 |
| Loan and lease loss provision to assets | 0.9874% | 1,705 |
| Net operating income to assets | -0.2104% | 6,210 |
| Return on assets (ROA) | 0.1025% | 5,654 |
| Pretax return on assets | 0.0762% | 5,727 |
| Return on Equity (ROE) | 0.6430% | 5,741 |
| Retained earnings to average equity (ytd only) | 0.6430% | 4,932 |
| Net charge-offs to loans | 1.6964% | 1,114 |
| Credit loss provision to net charge-offs | 83.5408% | 5,099 |
| Earnings coverage of net charge-offs (x) | 0.6352% | 5,066 |
| Efficiency ratio | 77.6323% | 3,402 |
| Assets per employee ($millions) | 3.9767% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9753% | 1,622 |
| Loan loss allowance to noncurrent loans | 52.2645% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 3.0745% | 2,045 |
| Noncurrent loans to loans | 3.7795% | 1,817 |
| Net loans and leases to total assets | 66.2515% | 4,520 |
| Net loans and leases to deposits | 79.9939% | 4,547 |
| Net loans and leases to core deposits | 94.8173% | 5,023 |
| Total domestic deposits to total assets | 82.8207% | 4,319 |
| Equity capital to assets | 16.4967% | 750 |
| Core capital (leverage) ratio | 9.9271% | 3,373 |
| Tier 1 risk-based capital ratio | 13.2765% | 3,953 |
| Total risk-based capital ratio | 14.5345% | 3,866 |
| Memoranda: | ||
| Average total assets | $1,210,026,000 | 583 |
| Average earning assets | $1,019,466,000 | 613 |
| Average equity | $192,833,670 | 378 |
| Average total loans | $843,094,670 | 583 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2053% | 6,275 |
| Cost of funding earning assets | 1.7846% | 5,187 |
| Net interest margin | 3.4207% | 5,053 |
| Noninterest income to average assets | 1.1846% | 1,040 |
| Noninterest expense to average assets | 3.1609% | 3,147 |
| Loan and lease loss provision to assets | 0.7952% | 1,621 |
| Net operating income to assets | 0.0697% | 6,068 |
| Return on assets (ROA) | 0.4875% | 4,669 |
| Pretax return on assets | 0.7153% | 4,379 |
| Return on Equity (ROE) | 3.1107% | 5,322 |
| Retained earnings to average equity (ytd only) | 3.1107% | 4,142 |
| Net charge-offs to loans | 1.1740% | 1,174 |
| Credit loss provision to net charge-offs | 95.8529% | 3,876 |
| Earnings coverage of net charge-offs (x) | 1.0802% | 4,221 |
| Efficiency ratio | 74.0720% | 3,813 |
| Assets per employee ($millions) | 4.0421% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9548% | 1,515 |
| Loan loss allowance to noncurrent loans | 51.8880% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 2.9204% | 1,950 |
| Noncurrent loans to loans | 3.7673% | 1,638 |
| Net loans and leases to total assets | 68.0914% | 4,118 |
| Net loans and leases to deposits | 81.6321% | 4,344 |
| Net loans and leases to core deposits | 103.3643% | 4,206 |
| Total domestic deposits to total assets | 83.4125% | 3,948 |
| Equity capital to assets | 15.7590% | 917 |
| Core capital (leverage) ratio | 9.8001% | 3,633 |
| Tier 1 risk-based capital ratio | 12.4143% | 4,604 |
| Total risk-based capital ratio | 13.6719% | 4,520 |
| Memoranda: | ||
| Average total assets | $1,232,445,500 | 574 |
| Average earning assets | $1,034,875,000 | 607 |
| Average equity | $193,142,000 | 375 |
| Average total loans | $870,887,000 | 573 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8663% | 6,202 |
| Cost of funding earning assets | 2.4292% | 4,574 |
| Net interest margin | 3.4371% | 5,521 |
| Noninterest income to average assets | 1.0777% | 1,359 |
| Noninterest expense to average assets | 3.0474% | 3,907 |
| Loan and lease loss provision to assets | 2.0436% | 580 |
| Net operating income to assets | -0.5841% | 6,992 |
| Return on assets (ROA) | -0.5605% | 6,855 |
| Pretax return on assets | -1.0181% | 7,007 |
| Return on Equity (ROE) | -3.8829% | 6,732 |
| Retained earnings to average equity (ytd only) | -3.8829% | 6,300 |
| Net charge-offs to loans | 2.0388% | 524 |
| Credit loss provision to net charge-offs | 140.6374% | 3,776 |
| Earnings coverage of net charge-offs (x) | 0.6804% | 5,818 |
| Efficiency ratio | 71.8402% | 3,966 |
| Assets per employee ($millions) | 3.6582% | 4,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8776% | 1,468 |
| Loan loss allowance to noncurrent loans | 53.1426% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 2.5842% | 1,866 |
| Noncurrent loans to loans | 3.5331% | 1,432 |
| Net loans and leases to total assets | 70.5133% | 3,903 |
| Net loans and leases to deposits | 84.2877% | 4,382 |
| Net loans and leases to core deposits | 106.8909% | 4,092 |
| Total domestic deposits to total assets | 83.6579% | 3,499 |
| Equity capital to assets | 15.5850% | 1,029 |
| Core capital (leverage) ratio | 9.3448% | 4,242 |
| Tier 1 risk-based capital ratio | 11.8440% | 4,947 |
| Total risk-based capital ratio | 13.1010% | 4,847 |
| Memoranda: | ||
| Average total assets | $1,297,699,800 | 524 |
| Average earning assets | $1,116,961,000 | 548 |
| Average equity | $187,333,800 | 392 |
| Average total loans | $924,912,200 | 534 |