Home > CB&T Bank of Middle Georgia > Performance and Condition Ratios
CB&T Bank of Middle Georgia, 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 | 4.9082% | 5,427 |
| Cost of funding earning assets | 0.9542% | 6,557 |
| Net interest margin | 3.9540% | 3,082 |
| Noninterest income to average assets | 0.3035% | 5,724 |
| Noninterest expense to average assets | 2.6411% | 5,180 |
| Loan and lease loss provision to assets | 5.3388% | 137 |
| Net operating income to assets | -5.0625% | 7,787 |
| Return on assets (ROA) | -5.0625% | 7,791 |
| Pretax return on assets | -3.9814% | 7,687 |
| Return on Equity (ROE) | -46.3067% | 7,695 |
| Retained earnings to average equity (ytd only) | -46.3067% | 7,685 |
| Net charge-offs to loans | 8.4692% | 80 |
| Credit loss provision to net charge-offs | 94.8828% | 3,548 |
| Earnings coverage of net charge-offs (x) | 0.2412% | 4,826 |
| Efficiency ratio | 66.0520% | 5,103 |
| Assets per employee ($millions) | 5.9487% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6678% | 481 |
| Loan loss allowance to noncurrent loans | 51.2723% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 5.4582% | 1,130 |
| Noncurrent loans to loans | 7.1535% | 824 |
| Net loans and leases to total assets | 62.9112% | 4,556 |
| Net loans and leases to deposits | 71.4068% | 5,139 |
| Net loans and leases to core deposits | 83.8378% | 4,227 |
| Total domestic deposits to total assets | 88.1026% | 2,002 |
| Equity capital to assets | 10.6275% | 3,122 |
| Core capital (leverage) ratio | 10.0569% | 3,091 |
| Tier 1 risk-based capital ratio | 15.0949% | 3,069 |
| Total risk-based capital ratio | 16.3733% | 3,011 |
| Memoranda: | ||
| Average total assets | $515,396,500 | 1,349 |
| Average earning assets | $481,641,000 | 1,323 |
| Average equity | $56,346,000 | 1,177 |
| Average total loans | $342,419,000 | 1,376 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5190% | 7,366 |
| Cost of funding earning assets | 1.7582% | 4,209 |
| Net interest margin | 2.7608% | 7,124 |
| Noninterest income to average assets | -1.0018% | 7,988 |
| Noninterest expense to average assets | 2.4096% | 6,438 |
| Loan and lease loss provision to assets | 3.8209% | 374 |
| Net operating income to assets | -3.6791% | 7,553 |
| Return on assets (ROA) | -3.6499% | 7,548 |
| Pretax return on assets | -4.6249% | 7,657 |
| Return on Equity (ROE) | -43.7692% | 7,617 |
| Retained earnings to average equity (ytd only) | -43.7692% | 7,605 |
| Net charge-offs to loans | 5.5592% | 200 |
| Credit loss provision to net charge-offs | 93.8345% | 5,861 |
| Earnings coverage of net charge-offs (x) | -0.2065% | 6,452 |
| Efficiency ratio | 153.6090% | 292 |
| Assets per employee ($millions) | 6.2483% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8601% | 394 |
| Loan loss allowance to noncurrent loans | 46.9532% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 6.5802% | 822 |
| Noncurrent loans to loans | 8.2212% | 597 |
| Net loans and leases to total assets | 64.8968% | 4,387 |
| Net loans and leases to deposits | 74.1539% | 5,017 |
| Net loans and leases to core deposits | 92.5428% | 4,825 |
| Total domestic deposits to total assets | 87.5164% | 2,208 |
| Equity capital to assets | 11.2196% | 2,517 |
| Core capital (leverage) ratio | 10.7677% | 2,373 |
| Tier 1 risk-based capital ratio | 15.0693% | 2,905 |
| Total risk-based capital ratio | 16.3489% | 2,843 |
| Memoranda: | ||
| Average total assets | $581,139,600 | 1,185 |
| Average earning assets | $541,072,200 | 1,167 |
| Average equity | $48,461,000 | 1,386 |
| Average total loans | $425,673,600 | 1,127 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5228% | 7,488 |
| Cost of funding earning assets | 1.8906% | 3,929 |
| Net interest margin | 2.6322% | 7,316 |
| Noninterest income to average assets | -0.5078% | 8,043 |
| Noninterest expense to average assets | 2.5058% | 6,051 |
| Loan and lease loss provision to assets | 3.7954% | 327 |
| Net operating income to assets | -2.6452% | 7,496 |
| Return on assets (ROA) | -2.6143% | 7,491 |
| Pretax return on assets | -4.3064% | 7,731 |
| Return on Equity (ROE) | -33.9752% | 7,682 |
| Retained earnings to average equity (ytd only) | -33.9752% | 7,674 |
| Net charge-offs to loans | 5.4668% | 181 |
| Credit loss provision to net charge-offs | 93.1485% | 5,399 |
| Earnings coverage of net charge-offs (x) | -0.1373% | 6,227 |
| Efficiency ratio | 128.7297% | 488 |
| Assets per employee ($millions) | 6.3904% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7010% | 359 |
| Loan loss allowance to noncurrent loans | 38.3650% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 8.2875% | 504 |
| Noncurrent loans to loans | 9.6467% | 422 |
| Net loans and leases to total assets | 65.0323% | 4,644 |
| Net loans and leases to deposits | 71.4812% | 5,739 |
| Net loans and leases to core deposits | 89.2438% | 5,510 |
| Total domestic deposits to total assets | 90.9783% | 432 |
| Equity capital to assets | 7.1608% | 7,518 |
| Core capital (leverage) ratio | 6.7263% | 7,571 |
| Tier 1 risk-based capital ratio | 9.3129% | 7,491 |
| Total risk-based capital ratio | 10.5905% | 7,451 |
| Memoranda: | ||
| Average total assets | $593,648,000 | 1,174 |
| Average earning assets | $553,537,750 | 1,150 |
| Average equity | $45,679,250 | 1,499 |
| Average total loans | $442,464,500 | 1,105 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5235% | 7,606 |
| Cost of funding earning assets | 1.9847% | 3,850 |
| Net interest margin | 2.5388% | 7,428 |
| Noninterest income to average assets | -0.3678% | 8,105 |
| Noninterest expense to average assets | 2.3225% | 6,698 |
| Loan and lease loss provision to assets | 3.0009% | 503 |
| Net operating income to assets | -2.0120% | 7,433 |
| Return on assets (ROA) | -2.0120% | 7,426 |
| Pretax return on assets | -3.3188% | 7,637 |
| Return on Equity (ROE) | -25.5967% | 7,636 |
| Retained earnings to average equity (ytd only) | -25.5967% | 7,601 |
| Net charge-offs to loans | 4.0560% | 347 |
| Credit loss provision to net charge-offs | 96.4563% | 4,727 |
| Earnings coverage of net charge-offs (x) | -0.1022% | 5,797 |
| Efficiency ratio | 115.8547% | 737 |
| Assets per employee ($millions) | 6.5783% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6811% | 327 |
| Loan loss allowance to noncurrent loans | 35.8950% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 9.3866% | 344 |
| Noncurrent loans to loans | 10.2553% | 335 |
| Net loans and leases to total assets | 66.8807% | 4,383 |
| Net loans and leases to deposits | 74.1269% | 5,435 |
| Net loans and leases to core deposits | 95.9702% | 4,906 |
| Total domestic deposits to total assets | 90.2246% | 742 |
| Equity capital to assets | 7.7896% | 6,996 |
| Core capital (leverage) ratio | 7.5225% | 6,988 |
| Tier 1 risk-based capital ratio | 9.8709% | 7,066 |
| Total risk-based capital ratio | 11.1471% | 6,973 |
| Memoranda: | ||
| Average total assets | $604,079,330 | 1,181 |
| Average earning assets | $564,521,000 | 1,149 |
| Average equity | $47,482,670 | 1,452 |
| Average total loans | $463,363,670 | 1,074 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5278% | 7,690 |
| Cost of funding earning assets | 2.0484% | 3,887 |
| Net interest margin | 2.4794% | 7,525 |
| Noninterest income to average assets | -0.1487% | 8,149 |
| Noninterest expense to average assets | 2.4572% | 6,001 |
| Loan and lease loss provision to assets | 5.7074% | 131 |
| Net operating income to assets | -3.6375% | 7,938 |
| Return on assets (ROA) | -3.6375% | 7,930 |
| Pretax return on assets | -5.9878% | 8,048 |
| Return on Equity (ROE) | -46.0792% | 8,029 |
| Retained earnings to average equity (ytd only) | -46.0792% | 8,013 |
| Net charge-offs to loans | 3.4023% | 362 |
| Credit loss provision to net charge-offs | 209.2278% | 2,141 |
| Earnings coverage of net charge-offs (x) | -0.1028% | 5,077 |
| Efficiency ratio | 112.8820% | 754 |
| Assets per employee ($millions) | 6.4926% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1499% | 197 |
| Loan loss allowance to noncurrent loans | 43.3758% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 8.4971% | 322 |
| Noncurrent loans to loans | 9.5673% | 320 |
| Net loans and leases to total assets | 75.9957% | 2,267 |
| Net loans and leases to deposits | 84.3501% | 3,922 |
| Net loans and leases to core deposits | 107.4220% | 3,752 |
| Total domestic deposits to total assets | 90.0955% | 754 |
| Equity capital to assets | 7.6864% | 7,190 |
| Core capital (leverage) ratio | 7.1707% | 7,510 |
| Tier 1 risk-based capital ratio | 8.8711% | 7,857 |
| Total risk-based capital ratio | 10.1552% | 7,884 |
| Memoranda: | ||
| Average total assets | $613,383,500 | 1,162 |
| Average earning assets | $575,291,500 | 1,133 |
| Average equity | $48,421,000 | 1,424 |
| Average total loans | $491,779,500 | 1,024 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7168% | 6,723 |
| Cost of funding earning assets | 2.8705% | 2,388 |
| Net interest margin | 2.8463% | 7,261 |
| Noninterest income to average assets | 0.0761% | 7,758 |
| Noninterest expense to average assets | 1.7654% | 7,791 |
| Loan and lease loss provision to assets | 3.6168% | 212 |
| Net operating income to assets | -1.5755% | 7,496 |
| Return on assets (ROA) | -1.5755% | 7,442 |
| Pretax return on assets | -2.6267% | 7,623 |
| Return on Equity (ROE) | -19.3261% | 7,748 |
| Retained earnings to average equity (ytd only) | -31.4024% | 7,934 |
| Net charge-offs to loans | 2.8790% | 312 |
| Credit loss provision to net charge-offs | 152.7838% | 3,426 |
| Earnings coverage of net charge-offs (x) | 0.4182% | 5,984 |
| Efficiency ratio | 64.0691% | 5,541 |
| Assets per employee ($millions) | 5.9329% | 1,171 |
| Cash dividends to net income (ytd only)* | -62.4874% | 8,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0304% | 421 |
| Loan loss allowance to noncurrent loans | 40.9037% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 6.6985% | 407 |
| Noncurrent loans to loans | 7.4085% | 389 |
| Net loans and leases to total assets | 78.5807% | 1,985 |
| Net loans and leases to deposits | 86.9698% | 3,954 |
| Net loans and leases to core deposits | 105.8293% | 4,212 |
| Total domestic deposits to total assets | 90.3541% | 533 |
| Equity capital to assets | 8.0954% | 6,704 |
| Core capital (leverage) ratio | 7.7318% | 6,880 |
| Tier 1 risk-based capital ratio | 9.1644% | 7,649 |
| Total risk-based capital ratio | 10.4350% | 7,590 |
| Memoranda: | ||
| Average total assets | $628,229,000 | 1,067 |
| Average earning assets | $591,399,200 | 1,044 |
| Average equity | $51,215,800 | 1,317 |
| Average total loans | $516,570,400 | 922 |