Home > Centerstate Bank Central Florida > Performance and Condition Ratios
Centerstate Bank Central Florida, Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1309% | 4,167 |
| Cost of funding earning assets | 1.4034% | 3,560 |
| Net interest margin | 3.7274% | 4,278 |
| Noninterest income to average assets | 0.6168% | 3,341 |
| Noninterest expense to average assets | 2.9518% | 3,916 |
| Loan and lease loss provision to assets | 1.2095% | 1,179 |
| Net operating income to assets | -0.1830% | 6,300 |
| Return on assets (ROA) | -0.0321% | 6,182 |
| Pretax return on assets | -0.0036% | 6,093 |
| Return on Equity (ROE) | -0.3461% | 6,192 |
| Retained earnings to average equity (ytd only) | -0.3461% | 5,874 |
| Net charge-offs to loans | 1.9931% | 948 |
| Credit loss provision to net charge-offs | 87.7875% | 4,862 |
| Earnings coverage of net charge-offs (x) | 0.7658% | 5,297 |
| Efficiency ratio | 73.6690% | 3,387 |
| Assets per employee ($millions) | 4.3937% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1435% | 736 |
| Loan loss allowance to noncurrent loans | 110.0909% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 2.7526% | 2,632 |
| Noncurrent loans to loans | 2.8553% | 2,793 |
| Net loans and leases to total assets | 62.1204% | 4,505 |
| Net loans and leases to deposits | 72.8952% | 4,707 |
| Net loans and leases to core deposits | 114.6578% | 810 |
| Total domestic deposits to total assets | 85.2188% | 3,508 |
| Equity capital to assets | 9.3957% | 4,992 |
| Core capital (leverage) ratio | 9.0265% | 4,654 |
| Tier 1 risk-based capital ratio | 12.3169% | 5,160 |
| Total risk-based capital ratio | 13.5853% | 5,112 |
| Memoranda: | ||
| Average total assets | $298,745,750 | 2,192 |
| Average earning assets | $271,708,500 | 2,199 |
| Average equity | $27,734,250 | 2,360 |
| Average total loans | $206,511,500 | 2,129 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1494% | 4,198 |
| Cost of funding earning assets | 1.4611% | 3,487 |
| Net interest margin | 3.6883% | 4,417 |
| Noninterest income to average assets | 0.5636% | 3,601 |
| Noninterest expense to average assets | 2.8095% | 4,443 |
| Loan and lease loss provision to assets | 1.3158% | 1,036 |
| Net operating income to assets | -0.1925% | 6,349 |
| Return on assets (ROA) | 0.0326% | 6,125 |
| Pretax return on assets | 0.0253% | 6,113 |
| Return on Equity (ROE) | 0.3530% | 6,119 |
| Retained earnings to average equity (ytd only) | 0.3530% | 5,618 |
| Net charge-offs to loans | 2.2626% | 791 |
| Credit loss provision to net charge-offs | 82.1889% | 4,651 |
| Earnings coverage of net charge-offs (x) | 0.6970% | 5,049 |
| Efficiency ratio | 71.5716% | 3,881 |
| Assets per employee ($millions) | 4.4406% | 2,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7647% | 1,027 |
| Loan loss allowance to noncurrent loans | 31.7676% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 6.8113% | 791 |
| Noncurrent loans to loans | 8.7030% | 563 |
| Net loans and leases to total assets | 69.5549% | 3,005 |
| Net loans and leases to deposits | 79.4626% | 3,700 |
| Net loans and leases to core deposits | 126.2501% | 507 |
| Total domestic deposits to total assets | 87.5316% | 2,242 |
| Equity capital to assets | 9.3648% | 4,905 |
| Core capital (leverage) ratio | 8.8983% | 4,754 |
| Tier 1 risk-based capital ratio | 11.3945% | 5,866 |
| Total risk-based capital ratio | 12.6602% | 5,834 |
| Memoranda: | ||
| Average total assets | $300,201,000 | 2,199 |
| Average earning assets | $273,625,000 | 2,208 |
| Average equity | $27,759,330 | 2,352 |
| Average total loans | $212,413,670 | 2,101 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2036% | 3,995 |
| Cost of funding earning assets | 1.5057% | 3,513 |
| Net interest margin | 3.6979% | 4,259 |
| Noninterest income to average assets | 0.4921% | 4,106 |
| Noninterest expense to average assets | 2.6769% | 5,016 |
| Loan and lease loss provision to assets | 1.1939% | 1,021 |
| Net operating income to assets | -0.0146% | 6,324 |
| Return on assets (ROA) | 0.0796% | 6,192 |
| Pretax return on assets | 0.1074% | 6,112 |
| Return on Equity (ROE) | 0.8662% | 6,153 |
| Retained earnings to average equity (ytd only) | 0.8662% | 5,463 |
| Net charge-offs to loans | 0.9048% | 1,765 |
| Credit loss provision to net charge-offs | 187.5000% | 1,949 |
| Earnings coverage of net charge-offs (x) | 1.8438% | 3,630 |
| Efficiency ratio | 69.5143% | 4,407 |
| Assets per employee ($millions) | 4.5915% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1778% | 706 |
| Loan loss allowance to noncurrent loans | 41.7618% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 5.8768% | 1,035 |
| Noncurrent loans to loans | 7.6093% | 736 |
| Net loans and leases to total assets | 67.6858% | 3,469 |
| Net loans and leases to deposits | 76.9449% | 4,230 |
| Net loans and leases to core deposits | 125.0694% | 611 |
| Total domestic deposits to total assets | 87.9666% | 2,081 |
| Equity capital to assets | 9.1886% | 5,000 |
| Core capital (leverage) ratio | 8.9188% | 4,701 |
| Tier 1 risk-based capital ratio | 11.4200% | 5,743 |
| Total risk-based capital ratio | 12.6902% | 5,704 |
| Memoranda: | ||
| Average total assets | $301,542,000 | 2,242 |
| Average earning assets | $273,888,500 | 2,255 |
| Average equity | $27,708,000 | 2,393 |
| Average total loans | $212,209,000 | 2,158 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5176% | 4,051 |
| Cost of funding earning assets | 1.9809% | 3,053 |
| Net interest margin | 3.5367% | 4,794 |
| Noninterest income to average assets | 0.3808% | 5,369 |
| Noninterest expense to average assets | 2.6530% | 5,584 |
| Loan and lease loss provision to assets | 1.8627% | 1,204 |
| Net operating income to assets | -0.5193% | 6,200 |
| Return on assets (ROA) | -0.5193% | 6,190 |
| Pretax return on assets | -0.8984% | 6,342 |
| Return on Equity (ROE) | -5.8465% | 6,289 |
| Retained earnings to average equity (ytd only) | -5.8465% | 6,129 |
| Net charge-offs to loans | 1.3848% | 1,809 |
| Credit loss provision to net charge-offs | 190.9856% | 2,092 |
| Earnings coverage of net charge-offs (x) | 0.9888% | 5,120 |
| Efficiency ratio | 73.3403% | 4,026 |
| Assets per employee ($millions) | 4.6161% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9694% | 790 |
| Loan loss allowance to noncurrent loans | 41.5701% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 5.4885% | 1,069 |
| Noncurrent loans to loans | 7.1430% | 772 |
| Net loans and leases to total assets | 68.7429% | 3,540 |
| Net loans and leases to deposits | 79.3716% | 4,109 |
| Net loans and leases to core deposits | 128.4319% | 1,369 |
| Total domestic deposits to total assets | 86.6090% | 2,701 |
| Equity capital to assets | 9.1890% | 4,862 |
| Core capital (leverage) ratio | 8.8767% | 4,629 |
| Tier 1 risk-based capital ratio | 11.3824% | 5,533 |
| Total risk-based capital ratio | 12.6500% | 5,470 |
| Memoranda: | ||
| Average total assets | $292,311,000 | 2,268 |
| Average earning assets | $267,510,000 | 2,263 |
| Average equity | $25,964,200 | 2,533 |
| Average total loans | $205,877,200 | 2,243 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5329% | 4,257 |
| Cost of funding earning assets | 2.0777% | 2,996 |
| Net interest margin | 3.4553% | 5,049 |
| Noninterest income to average assets | 0.4155% | 5,168 |
| Noninterest expense to average assets | 2.6374% | 5,572 |
| Loan and lease loss provision to assets | 1.3293% | 1,455 |
| Net operating income to assets | -0.1947% | 6,055 |
| Return on assets (ROA) | -0.1947% | 6,066 |
| Pretax return on assets | -0.3829% | 6,178 |
| Return on Equity (ROE) | -2.2115% | 6,121 |
| Retained earnings to average equity (ytd only) | -2.2115% | 5,759 |
| Net charge-offs to loans | 1.0153% | 1,942 |
| Credit loss provision to net charge-offs | 186.1736% | 2,449 |
| Earnings coverage of net charge-offs (x) | 1.3254% | 4,794 |
| Efficiency ratio | 73.5939% | 3,940 |
| Assets per employee ($millions) | 4.7195% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3941% | 1,175 |
| Loan loss allowance to noncurrent loans | 49.7688% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 3.8500% | 1,676 |
| Noncurrent loans to loans | 4.8105% | 1,414 |
| Net loans and leases to total assets | 68.2700% | 3,898 |
| Net loans and leases to deposits | 77.9892% | 4,740 |
| Net loans and leases to core deposits | 129.4852% | 1,464 |
| Total domestic deposits to total assets | 87.5378% | 1,869 |
| Equity capital to assets | 9.5359% | 4,699 |
| Core capital (leverage) ratio | 9.1759% | 4,370 |
| Tier 1 risk-based capital ratio | 11.9185% | 5,049 |
| Total risk-based capital ratio | 13.1799% | 4,972 |
| Memoranda: | ||
| Average total assets | $290,377,750 | 2,302 |
| Average earning assets | $266,254,250 | 2,285 |
| Average equity | $25,562,500 | 2,582 |
| Average total loans | $204,203,750 | 2,278 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5029% | 4,611 |
| Cost of funding earning assets | 2.1608% | 2,985 |
| Net interest margin | 3.3422% | 5,396 |
| Noninterest income to average assets | 0.4496% | 4,848 |
| Noninterest expense to average assets | 2.6835% | 5,445 |
| Loan and lease loss provision to assets | 1.0088% | 1,668 |
| Net operating income to assets | -0.1536% | 6,109 |
| Return on assets (ROA) | -0.1536% | 6,135 |
| Pretax return on assets | -0.1815% | 6,105 |
| Return on Equity (ROE) | -1.7972% | 6,192 |
| Retained earnings to average equity (ytd only) | -1.7972% | 5,694 |
| Net charge-offs to loans | 1.3010% | 1,420 |
| Credit loss provision to net charge-offs | 110.0533% | 4,211 |
| Earnings coverage of net charge-offs (x) | 0.9025% | 4,858 |
| Efficiency ratio | 76.4367% | 3,610 |
| Assets per employee ($millions) | 4.6091% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9129% | 1,761 |
| Loan loss allowance to noncurrent loans | 39.3258% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 3.8319% | 1,583 |
| Noncurrent loans to loans | 4.8642% | 1,282 |
| Net loans and leases to total assets | 65.8952% | 4,581 |
| Net loans and leases to deposits | 73.3820% | 5,554 |
| Net loans and leases to core deposits | 120.3360% | 2,341 |
| Total domestic deposits to total assets | 89.7974% | 913 |
| Equity capital to assets | 8.1014% | 6,627 |
| Core capital (leverage) ratio | 8.0767% | 6,207 |
| Tier 1 risk-based capital ratio | 10.6078% | 6,279 |
| Total risk-based capital ratio | 11.8636% | 6,208 |
| Memoranda: | ||
| Average total assets | $286,487,330 | 2,341 |
| Average earning assets | $262,405,330 | 2,327 |
| Average equity | $24,482,330 | 2,694 |
| Average total loans | $201,849,330 | 2,330 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6230% | 4,221 |
| Cost of funding earning assets | 2.2666% | 2,854 |
| Net interest margin | 3.3563% | 5,299 |
| Noninterest income to average assets | 0.3101% | 5,961 |
| Noninterest expense to average assets | 2.6635% | 5,168 |
| Loan and lease loss provision to assets | 0.4001% | 2,922 |
| Net operating income to assets | 0.2501% | 5,486 |
| Return on assets (ROA) | 0.2501% | 5,651 |
| Pretax return on assets | 0.3272% | 5,601 |
| Return on Equity (ROE) | 2.8469% | 5,426 |
| Retained earnings to average equity (ytd only) | 2.8469% | 4,288 |
| Net charge-offs to loans | 1.6404% | 880 |
| Credit loss provision to net charge-offs | 33.7756% | 4,905 |
| Earnings coverage of net charge-offs (x) | 0.6140% | 4,505 |
| Efficiency ratio | 78.5504% | 3,075 |
| Assets per employee ($millions) | 4.2073% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5806% | 2,598 |
| Loan loss allowance to noncurrent loans | 34.8548% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 3.3541% | 1,629 |
| Noncurrent loans to loans | 4.5348% | 1,263 |
| Net loans and leases to total assets | 70.0004% | 3,668 |
| Net loans and leases to deposits | 82.0406% | 4,277 |
| Net loans and leases to core deposits | 131.8024% | 1,547 |
| Total domestic deposits to total assets | 85.3241% | 3,047 |
| Equity capital to assets | 8.7992% | 5,627 |
| Core capital (leverage) ratio | 8.6258% | 5,288 |
| Tier 1 risk-based capital ratio | 11.0404% | 5,872 |
| Total risk-based capital ratio | 12.2928% | 5,774 |
| Memoranda: | ||
| Average total assets | $279,935,500 | 2,386 |
| Average earning assets | $256,946,000 | 2,396 |
| Average equity | $24,588,000 | 2,697 |
| Average total loans | $202,141,000 | 2,345 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2029% | 4,501 |
| Cost of funding earning assets | 2.6809% | 3,253 |
| Net interest margin | 3.5220% | 5,223 |
| Noninterest income to average assets | 1.2190% | 998 |
| Noninterest expense to average assets | 2.7837% | 4,894 |
| Loan and lease loss provision to assets | 1.0829% | 1,341 |
| Net operating income to assets | 0.3961% | 5,165 |
| Return on assets (ROA) | 0.3961% | 4,982 |
| Pretax return on assets | 0.5634% | 4,800 |
| Return on Equity (ROE) | 4.3152% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.3152% | 2,433 |
| Net charge-offs to loans | 0.7437% | 1,665 |
| Credit loss provision to net charge-offs | 199.1513% | 2,452 |
| Earnings coverage of net charge-offs (x) | 3.0276% | 4,572 |
| Efficiency ratio | 62.8385% | 5,807 |
| Assets per employee ($millions) | 4.2766% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8244% | 1,577 |
| Loan loss allowance to noncurrent loans | 47.6972% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 3.0016% | 1,528 |
| Noncurrent loans to loans | 3.8250% | 1,300 |
| Net loans and leases to total assets | 71.9729% | 3,593 |
| Net loans and leases to deposits | 85.7566% | 4,149 |
| Net loans and leases to core deposits | 138.6474% | 1,334 |
| Total domestic deposits to total assets | 83.9270% | 3,360 |
| Equity capital to assets | 8.7675% | 5,709 |
| Core capital (leverage) ratio | 9.0435% | 4,679 |
| Tier 1 risk-based capital ratio | 10.9512% | 5,771 |
| Total risk-based capital ratio | 12.2067% | 5,673 |
| Memoranda: | ||
| Average total assets | $260,047,000 | 2,460 |
| Average earning assets | $237,081,800 | 2,480 |
| Average equity | $23,869,200 | 2,745 |
| Average total loans | $190,131,800 | 2,388 |