Home > Centennial Bank > Performance and Condition Ratios
Centennial Bank, Performance and Condition Ratios
| 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 | 5.5234% | 4,023 |
| Cost of funding earning assets | 3.1694% | 142 |
| Net interest margin | 2.3539% | 7,538 |
| Noninterest income to average assets | -2.8016% | 8,006 |
| Noninterest expense to average assets | 3.2717% | 3,121 |
| Loan and lease loss provision to assets | 5.3444% | 164 |
| Net operating income to assets | -6.3146% | 7,851 |
| Return on assets (ROA) | -6.3146% | 7,846 |
| Pretax return on assets | -9.5374% | 7,962 |
| Return on Equity (ROE) | -108.6209% | 7,950 |
| Retained earnings to average equity (ytd only) | -108.9541% | 7,952 |
| Net charge-offs to loans | 8.3511% | 74 |
| Credit loss provision to net charge-offs | 88.4663% | 6,052 |
| Earnings coverage of net charge-offs (x) | -0.6941% | 6,805 |
| Efficiency ratio | -355.1362% | 8,009 |
| Assets per employee ($millions) | 4.2568% | 3,339 |
| Cash dividends to net income (ytd only)* | -0.3067% | 7,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8929% | 2,277 |
| Loan loss allowance to noncurrent loans | 11.7580% | 7,336 |
| Noncurrent assets plus other real estate owned to assets | 26.0089% | 18 |
| Noncurrent loans to loans | 16.0992% | 144 |
| Net loans and leases to total assets | 62.9950% | 4,813 |
| Net loans and leases to deposits | 65.3797% | 6,125 |
| Net loans and leases to core deposits | 81.4336% | 5,962 |
| Total domestic deposits to total assets | 96.3526% | 31 |
| Equity capital to assets | 2.9952% | 7,916 |
| Core capital (leverage) ratio | 0.0036% | 8,000 |
| Tier 1 risk-based capital ratio | 0.0044% | 8,000 |
| Total risk-based capital ratio | 0.0088% | 8,000 |
| Memoranda: | ||
| Average total assets | $227,189,400 | 2,855 |
| Average earning assets | $181,483,000 | 3,201 |
| Average equity | $13,207,400 | 4,454 |
| Average total loans | $164,350,000 | 2,694 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6489% | 3,582 |
| Cost of funding earning assets | 3.2222% | 176 |
| Net interest margin | 2.4267% | 7,541 |
| Noninterest income to average assets | -3.8755% | 8,095 |
| Noninterest expense to average assets | 3.2336% | 3,179 |
| Loan and lease loss provision to assets | 7.0150% | 68 |
| Net operating income to assets | -9.8176% | 8,042 |
| Return on assets (ROA) | -9.8176% | 8,042 |
| Pretax return on assets | -12.1575% | 8,058 |
| Return on Equity (ROE) | -151.9008% | 8,057 |
| Retained earnings to average equity (ytd only) | -152.2941% | 8,057 |
| Net charge-offs to loans | 6.3936% | 128 |
| Credit loss provision to net charge-offs | 147.8388% | 3,273 |
| Earnings coverage of net charge-offs (x) | -1.0838% | 6,644 |
| Efficiency ratio | -169.4007% | 8,087 |
| Assets per employee ($millions) | 4.5767% | 2,737 |
| Cash dividends to net income (ytd only)* | -0.2590% | 7,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6452% | 184 |
| Loan loss allowance to noncurrent loans | 29.6254% | 6,484 |
| Noncurrent assets plus other real estate owned to assets | 23.0547% | 27 |
| Noncurrent loans to loans | 15.6797% | 131 |
| Net loans and leases to total assets | 71.2283% | 3,216 |
| Net loans and leases to deposits | 72.8354% | 5,533 |
| Net loans and leases to core deposits | 85.7961% | 5,884 |
| Total domestic deposits to total assets | 97.7936% | 14 |
| Equity capital to assets | 1.6019% | 8,063 |
| Core capital (leverage) ratio | -0.1639% | 8,088 |
| Tier 1 risk-based capital ratio | -0.1882% | 8,088 |
| Total risk-based capital ratio | -0.1882% | 8,088 |
| Memoranda: | ||
| Average total assets | $230,777,000 | 2,838 |
| Average earning assets | $187,029,250 | 3,148 |
| Average equity | $14,915,500 | 4,109 |
| Average total loans | $171,271,250 | 2,640 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8578% | 2,769 |
| Cost of funding earning assets | 3.4159% | 143 |
| Net interest margin | 2.4419% | 7,534 |
| Noninterest income to average assets | -0.7647% | 8,148 |
| Noninterest expense to average assets | 3.1788% | 3,399 |
| Loan and lease loss provision to assets | 3.2188% | 453 |
| Net operating income to assets | -3.1631% | 7,705 |
| Return on assets (ROA) | -3.1631% | 7,704 |
| Pretax return on assets | -5.1840% | 7,883 |
| Return on Equity (ROE) | -39.0108% | 7,835 |
| Retained earnings to average equity (ytd only) | -39.4829% | 7,828 |
| Net charge-offs to loans | 8.3316% | 95 |
| Credit loss provision to net charge-offs | 52.1715% | 5,735 |
| Earnings coverage of net charge-offs (x) | -0.3185% | 5,966 |
| Efficiency ratio | 261.9355% | 106 |
| Assets per employee ($millions) | 4.3136% | 3,090 |
| Cash dividends to net income (ytd only)* | -1.2101% | 7,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4770% | 7,816 |
| Loan loss allowance to noncurrent loans | 3.0389% | 7,555 |
| Noncurrent assets plus other real estate owned to assets | 24.8661% | 23 |
| Noncurrent loans to loans | 15.6971% | 117 |
| Net loans and leases to total assets | 69.6827% | 3,774 |
| Net loans and leases to deposits | 75.6898% | 5,213 |
| Net loans and leases to core deposits | 83.2915% | 6,138 |
| Total domestic deposits to total assets | 92.0635% | 201 |
| Equity capital to assets | 7.3243% | 7,400 |
| Core capital (leverage) ratio | 7.3062% | 7,239 |
| Tier 1 risk-based capital ratio | 8.3827% | 7,862 |
| Total risk-based capital ratio | 8.7660% | 7,973 |
| Memoranda: | ||
| Average total assets | $229,899,330 | 2,864 |
| Average earning assets | $186,246,670 | 3,190 |
| Average equity | $18,641,000 | 3,445 |
| Average total loans | $170,244,000 | 2,679 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3260% | 1,227 |
| Cost of funding earning assets | 3.4820% | 154 |
| Net interest margin | 2.8439% | 6,890 |
| Noninterest income to average assets | -0.2785% | 8,176 |
| Noninterest expense to average assets | 3.0195% | 3,680 |
| Loan and lease loss provision to assets | 6.4804% | 110 |
| Net operating income to assets | -4.5205% | 8,015 |
| Return on assets (ROA) | -4.5205% | 8,007 |
| Pretax return on assets | -7.4367% | 8,094 |
| Return on Equity (ROE) | -53.1316% | 8,059 |
| Retained earnings to average equity (ytd only) | -53.6051% | 8,044 |
| Net charge-offs to loans | 6.1834% | 148 |
| Credit loss provision to net charge-offs | 137.7000% | 2,947 |
| Earnings coverage of net charge-offs (x) | -0.2032% | 5,135 |
| Efficiency ratio | 146.3497% | 376 |
| Assets per employee ($millions) | 4.5555% | 2,636 |
| Cash dividends to net income (ytd only)* | -0.8911% | 8,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8614% | 551 |
| Loan loss allowance to noncurrent loans | 18.0643% | 7,260 |
| Noncurrent assets plus other real estate owned to assets | 23.8096% | 20 |
| Noncurrent loans to loans | 15.8399% | 82 |
| Net loans and leases to total assets | 72.8769% | 3,035 |
| Net loans and leases to deposits | 79.2943% | 4,726 |
| Net loans and leases to core deposits | 87.9146% | 5,749 |
| Total domestic deposits to total assets | 91.9069% | 197 |
| Equity capital to assets | 7.5170% | 7,341 |
| Core capital (leverage) ratio | 8.1395% | 6,205 |
| Tier 1 risk-based capital ratio | 8.7420% | 7,896 |
| Total risk-based capital ratio | 10.0072% | 7,958 |
| Memoranda: | ||
| Average total assets | $228,381,000 | 2,889 |
| Average earning assets | $188,050,500 | 3,185 |
| Average equity | $19,431,000 | 3,361 |
| Average total loans | $173,819,000 | 2,670 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1882% | 765 |
| Cost of funding earning assets | 3.8425% | 173 |
| Net interest margin | 3.3457% | 5,881 |
| Noninterest income to average assets | -0.0943% | 8,199 |
| Noninterest expense to average assets | 2.9920% | 4,102 |
| Loan and lease loss provision to assets | 2.7841% | 342 |
| Net operating income to assets | -1.7227% | 7,535 |
| Return on assets (ROA) | -1.7140% | 7,486 |
| Pretax return on assets | -2.9453% | 7,695 |
| Return on Equity (ROE) | -17.3428% | 7,679 |
| Retained earnings to average equity (ytd only) | -18.8394% | 7,650 |
| Net charge-offs to loans | 2.9339% | 303 |
| Credit loss provision to net charge-offs | 115.8978% | 4,660 |
| Earnings coverage of net charge-offs (x) | -0.0728% | 6,301 |
| Efficiency ratio | 106.2094% | 806 |
| Assets per employee ($millions) | 4.1408% | 3,231 |
| Cash dividends to net income (ytd only)* | -8.6294% | 7,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5045% | 678 |
| Loan loss allowance to noncurrent loans | 10.8458% | 7,493 |
| Noncurrent assets plus other real estate owned to assets | 26.1418% | 15 |
| Noncurrent loans to loans | 23.0918% | 26 |
| Net loans and leases to total assets | 75.3899% | 2,787 |
| Net loans and leases to deposits | 83.9757% | 4,424 |
| Net loans and leases to core deposits | 96.0311% | 5,254 |
| Total domestic deposits to total assets | 89.7758% | 730 |
| Equity capital to assets | 9.6195% | 4,520 |
| Core capital (leverage) ratio | 10.0086% | 3,436 |
| Tier 1 risk-based capital ratio | 10.6437% | 6,057 |
| Total risk-based capital ratio | 11.9050% | 5,947 |
| Memoranda: | ||
| Average total assets | $218,384,400 | 2,893 |
| Average earning assets | $190,033,600 | 3,040 |
| Average equity | $21,582,400 | 3,030 |
| Average total loans | $178,804,200 | 2,514 |