Home > Centennial Bank > Performance and Condition Ratios
Centennial Bank, Performance and Condition Ratios
| 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 | 6.4716% | 919 |
| Cost of funding earning assets | 2.2234% | 3,043 |
| Net interest margin | 4.2481% | 1,756 |
| Noninterest income to average assets | 0.6786% | 3,014 |
| Noninterest expense to average assets | 2.5887% | 5,504 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1060% | 1,945 |
| Return on assets (ROA) | 1.1060% | 2,070 |
| Pretax return on assets | 1.8279% | 927 |
| Return on Equity (ROE) | 7.7354% | 3,269 |
| Retained earnings to average equity (ytd only) | 7.7354% | 1,912 |
| Net charge-offs to loans | 0.2109% | 3,371 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 10.6348% | 1,937 |
| Efficiency ratio | 57.8342% | 6,729 |
| Assets per employee ($millions) | 5.7190% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2516% | 1,010 |
| Loan loss allowance to noncurrent loans | 283.1214% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.6864% | 5,441 |
| Noncurrent loans to loans | 0.7953% | 5,447 |
| Net loans and leases to total assets | 79.1071% | 1,559 |
| Net loans and leases to deposits | 131.7031% | 135 |
| Net loans and leases to core deposits | 214.0724% | 108 |
| Total domestic deposits to total assets | 60.0647% | 7,965 |
| Equity capital to assets | 14.9731% | 1,111 |
| Core capital (leverage) ratio | 9.4958% | 3,993 |
| Tier 1 risk-based capital ratio | 10.9652% | 5,931 |
| Total risk-based capital ratio | 12.2278% | 5,824 |
| Memoranda: | ||
| Average total assets | $267,629,500 | 2,484 |
| Average earning assets | $235,491,000 | 2,578 |
| Average equity | $38,265,500 | 1,782 |
| Average total loans | $218,119,000 | 2,192 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0037% | 1,125 |
| Cost of funding earning assets | 2.6205% | 3,579 |
| Net interest margin | 4.3832% | 1,741 |
| Noninterest income to average assets | 0.6400% | 3,551 |
| Noninterest expense to average assets | 2.3940% | 6,415 |
| Loan and lease loss provision to assets | 1.1714% | 1,239 |
| Net operating income to assets | 0.6269% | 4,199 |
| Return on assets (ROA) | 0.6269% | 4,046 |
| Pretax return on assets | 1.0384% | 3,242 |
| Return on Equity (ROE) | 5.2301% | 4,269 |
| Retained earnings to average equity (ytd only) | 5.2301% | 1,894 |
| Net charge-offs to loans | 0.6761% | 1,825 |
| Credit loss provision to net charge-offs | 215.9091% | 2,233 |
| Earnings coverage of net charge-offs (x) | 4.0732% | 4,113 |
| Efficiency ratio | 51.2220% | 7,571 |
| Assets per employee ($millions) | 7.4018% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2921% | 862 |
| Loan loss allowance to noncurrent loans | 376.6341% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 5,563 |
| Noncurrent loans to loans | 0.6086% | 5,547 |
| Net loans and leases to total assets | 80.1951% | 1,611 |
| Net loans and leases to deposits | 125.3621% | 279 |
| Net loans and leases to core deposits | 210.6762% | 139 |
| Total domestic deposits to total assets | 63.9707% | 7,797 |
| Equity capital to assets | 13.6168% | 1,566 |
| Core capital (leverage) ratio | 8.8063% | 5,025 |
| Tier 1 risk-based capital ratio | 11.0077% | 5,721 |
| Total risk-based capital ratio | 12.2716% | 5,608 |
| Memoranda: | ||
| Average total assets | $259,528,200 | 2,467 |
| Average earning assets | $234,691,000 | 2,511 |
| Average equity | $31,108,200 | 2,163 |
| Average total loans | $208,244,600 | 2,220 |