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Castle Bank & Trust Company, Performance and Condition Ratios
| 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 | 5.6659% | 3,733 |
| Cost of funding earning assets | 2.1165% | 3,195 |
| Net interest margin | 3.5495% | 4,574 |
| Noninterest income to average assets | 0.2220% | 6,707 |
| Noninterest expense to average assets | 4.9310% | 538 |
| Loan and lease loss provision to assets | 0.0650% | 6,558 |
| Net operating income to assets | -1.0344% | 7,012 |
| Return on assets (ROA) | -1.0344% | 7,008 |
| Pretax return on assets | -1.5678% | 7,120 |
| Return on Equity (ROE) | -10.3800% | 7,063 |
| Retained earnings to average equity (ytd only) | -10.3800% | 6,909 |
| Net charge-offs to loans | 0.0306% | 6,034 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | -69.3750% | 6,607 |
| Efficiency ratio | 138.6256% | 444 |
| Assets per employee ($millions) | 3.8171% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9227% | 6,676 |
| Loan loss allowance to noncurrent loans | 73.3129% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 0.8541% | 5,274 |
| Noncurrent loans to loans | 1.2585% | 4,683 |
| Net loans and leases to total assets | 67.2356% | 4,306 |
| Net loans and leases to deposits | 90.4858% | 2,751 |
| Net loans and leases to core deposits | 99.0238% | 4,597 |
| Total domestic deposits to total assets | 74.3051% | 6,910 |
| Equity capital to assets | 9.4889% | 4,623 |
| Core capital (leverage) ratio | 6.5892% | 7,752 |
| Tier 1 risk-based capital ratio | 7.9397% | 7,920 |
| Total risk-based capital ratio | 8.7490% | 7,974 |
| Memoranda: | ||
| Average total assets | $73,860,000 | 5,981 |
| Average earning assets | $66,714,330 | 5,984 |
| Average equity | $7,360,330 | 6,242 |
| Average total loans | $52,350,330 | 5,664 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8418% | 3,084 |
| Cost of funding earning assets | 2.2022% | 3,157 |
| Net interest margin | 3.6397% | 4,141 |
| Noninterest income to average assets | 0.2148% | 6,761 |
| Noninterest expense to average assets | 6.4391% | 245 |
| Loan and lease loss provision to assets | 0.1047% | 5,629 |
| Net operating income to assets | -2.0160% | 7,668 |
| Return on assets (ROA) | -2.0160% | 7,663 |
| Pretax return on assets | -3.0515% | 7,769 |
| Return on Equity (ROE) | -19.7344% | 7,745 |
| Retained earnings to average equity (ytd only) | -19.7344% | 7,635 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 179.0221% | 243 |
| Assets per employee ($millions) | 3.6359% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 6,649 |
| Loan loss allowance to noncurrent loans | 73.7730% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 0.8966% | 4,950 |
| Noncurrent loans to loans | 1.2481% | 4,474 |
| Net loans and leases to total assets | 71.1791% | 3,430 |
| Net loans and leases to deposits | 97.6254% | 1,714 |
| Net loans and leases to core deposits | 108.8515% | 3,576 |
| Total domestic deposits to total assets | 72.9104% | 7,068 |
| Equity capital to assets | 9.9783% | 4,028 |
| Core capital (leverage) ratio | 6.7566% | 7,780 |
| Tier 1 risk-based capital ratio | 8.0171% | 8,007 |
| Total risk-based capital ratio | 8.8345% | 8,064 |
| Memoranda: | ||
| Average total assets | $72,619,000 | 6,044 |
| Average earning assets | $65,390,500 | 6,060 |
| Average equity | $7,418,500 | 6,253 |
| Average total loans | $52,622,000 | 5,683 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3699% | 3,576 |
| Cost of funding earning assets | 2.3027% | 5,138 |
| Net interest margin | 4.0672% | 2,842 |
| Noninterest income to average assets | 0.2733% | 6,501 |
| Noninterest expense to average assets | 5.2866% | 552 |
| Loan and lease loss provision to assets | 0.1933% | 4,951 |
| Net operating income to assets | -1.4179% | 7,432 |
| Return on assets (ROA) | -1.4179% | 7,377 |
| Pretax return on assets | -1.5659% | 7,288 |
| Return on Equity (ROE) | -11.3821% | 7,376 |
| Retained earnings to average equity (ytd only) | -11.3821% | 7,194 |
| Net charge-offs to loans | 0.4533% | 2,570 |
| Credit loss provision to net charge-offs | 59.2593% | 6,239 |
| Earnings coverage of net charge-offs (x) | -4.2083% | 6,811 |
| Efficiency ratio | 110.1080% | 704 |
| Assets per employee ($millions) | 3.2964% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8716% | 6,801 |
| Loan loss allowance to noncurrent loans | 72.9858% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 0.8729% | 4,669 |
| Noncurrent loans to loans | 1.1943% | 4,121 |
| Net loans and leases to total assets | 72.4504% | 3,493 |
| Net loans and leases to deposits | 98.4135% | 2,065 |
| Net loans and leases to core deposits | 110.7339% | 3,711 |
| Total domestic deposits to total assets | 73.6183% | 6,713 |
| Equity capital to assets | 10.4537% | 3,552 |
| Core capital (leverage) ratio | 7.3202% | 7,392 |
| Tier 1 risk-based capital ratio | 8.5870% | 7,971 |
| Total risk-based capital ratio | 9.3656% | 8,104 |
| Memoranda: | ||
| Average total assets | $66,223,600 | 6,151 |
| Average earning assets | $59,279,200 | 6,205 |
| Average equity | $8,249,800 | 5,988 |
| Average total loans | $47,651,400 | 5,797 |