Home > CB&T Bank of East Alabama > Performance and Condition Ratios
CB&T Bank of East Alabama, Performance and Condition Ratios
| 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 | 5.3249% | 3,421 |
| Cost of funding earning assets | 0.9700% | 6,507 |
| Net interest margin | 4.3549% | 1,522 |
| Noninterest income to average assets | 0.5519% | 3,639 |
| Noninterest expense to average assets | 2.7004% | 4,908 |
| Loan and lease loss provision to assets | 3.7670% | 241 |
| Net operating income to assets | -1.2296% | 7,231 |
| Return on assets (ROA) | -1.2296% | 7,251 |
| Pretax return on assets | -1.9624% | 7,406 |
| Return on Equity (ROE) | -13.6953% | 7,282 |
| Retained earnings to average equity (ytd only) | -13.6953% | 7,159 |
| Net charge-offs to loans | 4.2991% | 302 |
| Credit loss provision to net charge-offs | 108.8650% | 3,160 |
| Earnings coverage of net charge-offs (x) | 0.5215% | 4,569 |
| Efficiency ratio | 59.9430% | 6,184 |
| Assets per employee ($millions) | 5.9727% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9880% | 829 |
| Loan loss allowance to noncurrent loans | 218.7150% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 1.1063% | 4,941 |
| Noncurrent loans to loans | 1.3662% | 4,693 |
| Net loans and leases to total assets | 73.3458% | 2,115 |
| Net loans and leases to deposits | 84.6873% | 2,820 |
| Net loans and leases to core deposits | 145.9947% | 265 |
| Total domestic deposits to total assets | 86.6078% | 2,840 |
| Equity capital to assets | 8.3651% | 6,204 |
| Core capital (leverage) ratio | 8.9522% | 4,644 |
| Tier 1 risk-based capital ratio | 10.4230% | 6,701 |
| Total risk-based capital ratio | 11.6918% | 6,689 |
| Memoranda: | ||
| Average total assets | $311,655,500 | 2,184 |
| Average earning assets | $282,899,500 | 2,191 |
| Average equity | $27,980,500 | 2,373 |
| Average total loans | $250,846,000 | 1,862 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6057% | 3,574 |
| Cost of funding earning assets | 1.3782% | 6,022 |
| Net interest margin | 4.2275% | 1,980 |
| Noninterest income to average assets | 0.5515% | 4,008 |
| Noninterest expense to average assets | 2.7370% | 5,210 |
| Loan and lease loss provision to assets | 1.4833% | 1,552 |
| Net operating income to assets | 0.1151% | 5,167 |
| Return on assets (ROA) | 0.1723% | 5,065 |
| Pretax return on assets | 0.2606% | 4,870 |
| Return on Equity (ROE) | 1.9539% | 4,927 |
| Retained earnings to average equity (ytd only) | -0.9195% | 5,231 |
| Net charge-offs to loans | 0.6639% | 3,192 |
| Credit loss provision to net charge-offs | 268.9389% | 1,296 |
| Earnings coverage of net charge-offs (x) | 3.0047% | 3,576 |
| Efficiency ratio | 62.2870% | 6,106 |
| Assets per employee ($millions) | 5.2646% | 1,869 |
| Cash dividends to net income (ytd only)* | 147.0588% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8350% | 895 |
| Loan loss allowance to noncurrent loans | 132.0706% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 2.1291% | 3,235 |
| Noncurrent loans to loans | 2.1466% | 3,459 |
| Net loans and leases to total assets | 83.4934% | 491 |
| Net loans and leases to deposits | 94.5393% | 1,526 |
| Net loans and leases to core deposits | 129.7977% | 1,298 |
| Total domestic deposits to total assets | 88.3161% | 1,816 |
| Equity capital to assets | 9.6610% | 4,199 |
| Core capital (leverage) ratio | 9.0847% | 4,280 |
| Tier 1 risk-based capital ratio | 10.9150% | 5,995 |
| Total risk-based capital ratio | 12.1869% | 5,954 |
| Memoranda: | ||
| Average total assets | $305,877,400 | 2,181 |
| Average earning assets | $278,038,000 | 2,192 |
| Average equity | $26,972,200 | 2,453 |
| Average total loans | $254,101,600 | 1,870 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5530% | 4,135 |
| Cost of funding earning assets | 1.4215% | 6,145 |
| Net interest margin | 4.1316% | 2,283 |
| Noninterest income to average assets | 0.5028% | 4,460 |
| Noninterest expense to average assets | 2.7029% | 5,313 |
| Loan and lease loss provision to assets | 1.3621% | 1,415 |
| Net operating income to assets | 0.1324% | 5,372 |
| Return on assets (ROA) | 0.2091% | 5,203 |
| Pretax return on assets | 0.3141% | 5,021 |
| Return on Equity (ROE) | 2.4265% | 5,018 |
| Retained earnings to average equity (ytd only) | -1.4589% | 5,598 |
| Net charge-offs to loans | 0.6082% | 2,853 |
| Credit loss provision to net charge-offs | 271.8103% | 1,560 |
| Earnings coverage of net charge-offs (x) | 3.1164% | 3,676 |
| Efficiency ratio | 63.3813% | 5,862 |
| Assets per employee ($millions) | 5.5877% | 1,526 |
| Cash dividends to net income (ytd only)* | 160.1237% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5004% | 1,060 |
| Loan loss allowance to noncurrent loans | 145.3355% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 1.7755% | 3,694 |
| Noncurrent loans to loans | 1.7204% | 4,054 |
| Net loans and leases to total assets | 77.4362% | 1,681 |
| Net loans and leases to deposits | 89.6496% | 2,637 |
| Net loans and leases to core deposits | 121.0057% | 2,157 |
| Total domestic deposits to total assets | 86.3765% | 2,492 |
| Equity capital to assets | 8.1780% | 6,664 |
| Core capital (leverage) ratio | 8.1898% | 6,034 |
| Tier 1 risk-based capital ratio | 9.6860% | 7,249 |
| Total risk-based capital ratio | 10.9488% | 7,192 |
| Memoranda: | ||
| Average total assets | $308,643,000 | 2,183 |
| Average earning assets | $281,015,750 | 2,189 |
| Average equity | $26,594,750 | 2,497 |
| Average total loans | $254,293,750 | 1,890 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6014% | 4,071 |
| Cost of funding earning assets | 1.4659% | 6,274 |
| Net interest margin | 4.1355% | 2,212 |
| Noninterest income to average assets | 0.5901% | 3,772 |
| Noninterest expense to average assets | 2.7240% | 5,283 |
| Loan and lease loss provision to assets | 1.2137% | 1,418 |
| Net operating income to assets | 0.2698% | 5,015 |
| Return on assets (ROA) | 0.2698% | 5,113 |
| Pretax return on assets | 0.4146% | 4,893 |
| Return on Equity (ROE) | 3.0772% | 4,869 |
| Retained earnings to average equity (ytd only) | 3.0772% | 3,603 |
| Net charge-offs to loans | 0.4585% | 2,995 |
| Credit loss provision to net charge-offs | 317.2945% | 1,468 |
| Earnings coverage of net charge-offs (x) | 4.2568% | 3,160 |
| Efficiency ratio | 62.5884% | 6,153 |
| Assets per employee ($millions) | 5.4337% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1597% | 1,302 |
| Loan loss allowance to noncurrent loans | 99.6442% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 2.0263% | 3,165 |
| Noncurrent loans to loans | 2.1674% | 3,290 |
| Net loans and leases to total assets | 81.9275% | 968 |
| Net loans and leases to deposits | 96.1327% | 1,775 |
| Net loans and leases to core deposits | 132.4408% | 1,409 |
| Total domestic deposits to total assets | 85.2234% | 3,149 |
| Equity capital to assets | 8.6956% | 5,755 |
| Core capital (leverage) ratio | 8.5927% | 5,274 |
| Tier 1 risk-based capital ratio | 9.8576% | 7,078 |
| Total risk-based capital ratio | 11.1168% | 7,005 |
| Memoranda: | ||
| Average total assets | $305,357,000 | 2,225 |
| Average earning assets | $277,787,000 | 2,235 |
| Average equity | $26,777,330 | 2,497 |
| Average total loans | $254,738,330 | 1,919 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6873% | 3,869 |
| Cost of funding earning assets | 1.5643% | 6,180 |
| Net interest margin | 4.1230% | 2,202 |
| Noninterest income to average assets | 0.8365% | 2,144 |
| Noninterest expense to average assets | 2.5741% | 5,553 |
| Loan and lease loss provision to assets | 1.7587% | 705 |
| Net operating income to assets | 0.1676% | 5,767 |
| Return on assets (ROA) | 0.1676% | 5,931 |
| Pretax return on assets | 0.2560% | 5,801 |
| Return on Equity (ROE) | 1.9026% | 5,809 |
| Retained earnings to average equity (ytd only) | 1.9026% | 4,796 |
| Net charge-offs to loans | 0.6703% | 1,843 |
| Credit loss provision to net charge-offs | 315.1300% | 1,553 |
| Earnings coverage of net charge-offs (x) | 3.6099% | 3,120 |
| Efficiency ratio | 56.0955% | 6,961 |
| Assets per employee ($millions) | 5.0401% | 2,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0803% | 1,270 |
| Loan loss allowance to noncurrent loans | 100.2870% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 2.1220% | 2,718 |
| Noncurrent loans to loans | 2.0744% | 3,160 |
| Net loans and leases to total assets | 81.5907% | 1,083 |
| Net loans and leases to deposits | 107.0192% | 785 |
| Net loans and leases to core deposits | 146.9839% | 811 |
| Total domestic deposits to total assets | 76.2393% | 6,465 |
| Equity capital to assets | 8.8338% | 5,570 |
| Core capital (leverage) ratio | 8.5933% | 5,355 |
| Tier 1 risk-based capital ratio | 9.4569% | 7,459 |
| Total risk-based capital ratio | 10.7152% | 7,406 |
| Memoranda: | ||
| Average total assets | $303,175,500 | 2,248 |
| Average earning assets | $275,913,000 | 2,260 |
| Average equity | $26,700,000 | 2,515 |
| Average total loans | $252,434,000 | 1,950 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5539% | 2,701 |
| Cost of funding earning assets | 2.7343% | 3,001 |
| Net interest margin | 3.8196% | 3,942 |
| Noninterest income to average assets | 0.7523% | 2,766 |
| Noninterest expense to average assets | 2.5924% | 5,680 |
| Loan and lease loss provision to assets | 0.6277% | 2,317 |
| Net operating income to assets | 0.6309% | 4,186 |
| Return on assets (ROA) | 0.6309% | 4,032 |
| Pretax return on assets | 0.9817% | 3,440 |
| Return on Equity (ROE) | 7.4470% | 3,302 |
| Retained earnings to average equity (ytd only) | 1.8346% | 4,088 |
| Net charge-offs to loans | 0.5213% | 2,280 |
| Credit loss provision to net charge-offs | 146.4047% | 3,604 |
| Earnings coverage of net charge-offs (x) | 3.7539% | 4,232 |
| Efficiency ratio | 61.6973% | 6,014 |
| Assets per employee ($millions) | 4.4050% | 2,782 |
| Cash dividends to net income (ytd only)* | 75.3652% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7134% | 1,872 |
| Loan loss allowance to noncurrent loans | 100.8847% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.6944% | 2,864 |
| Noncurrent loans to loans | 1.6984% | 3,227 |
| Net loans and leases to total assets | 81.7772% | 1,268 |
| Net loans and leases to deposits | 102.7728% | 1,497 |
| Net loans and leases to core deposits | 138.9277% | 1,320 |
| Total domestic deposits to total assets | 79.5709% | 5,173 |
| Equity capital to assets | 8.7799% | 5,686 |
| Core capital (leverage) ratio | 8.3895% | 5,789 |
| Tier 1 risk-based capital ratio | 9.4244% | 7,389 |
| Total risk-based capital ratio | 10.6713% | 7,308 |
| Memoranda: | ||
| Average total assets | $314,649,400 | 2,125 |
| Average earning assets | $284,166,800 | 2,146 |
| Average equity | $26,655,000 | 2,504 |
| Average total loans | $258,762,000 | 1,844 |