Home > CENTERSTATE BANK > Performance and Condition Ratios
CENTERSTATE BANK, 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 | 4.9302% | 5,131 |
| Cost of funding earning assets | 1.5704% | 2,548 |
| Net interest margin | 3.3598% | 5,805 |
| Noninterest income to average assets | 0.5590% | 3,712 |
| Noninterest expense to average assets | 3.3844% | 2,342 |
| Loan and lease loss provision to assets | 1.2752% | 1,106 |
| Net operating income to assets | -0.7391% | 6,755 |
| Return on assets (ROA) | -0.5202% | 6,657 |
| Pretax return on assets | -0.8745% | 6,785 |
| Return on Equity (ROE) | -4.7890% | 6,636 |
| Retained earnings to average equity (ytd only) | -4.7890% | 6,541 |
| Net charge-offs to loans | 2.1866% | 830 |
| Credit loss provision to net charge-offs | 99.8298% | 4,370 |
| Earnings coverage of net charge-offs (x) | 0.0459% | 5,982 |
| Efficiency ratio | 98.0429% | 816 |
| Assets per employee ($millions) | 3.8377% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2914% | 645 |
| Loan loss allowance to noncurrent loans | 76.0438% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 3.1527% | 2,285 |
| Noncurrent loans to loans | 4.3283% | 1,681 |
| Net loans and leases to total assets | 50.4604% | 6,278 |
| Net loans and leases to deposits | 56.6660% | 6,571 |
| Net loans and leases to core deposits | 64.3727% | 6,266 |
| Total domestic deposits to total assets | 89.0489% | 1,367 |
| Equity capital to assets | 10.5100% | 3,502 |
| Core capital (leverage) ratio | 9.0902% | 4,544 |
| Tier 1 risk-based capital ratio | 13.1863% | 4,435 |
| Total risk-based capital ratio | 14.4524% | 4,400 |
| Memoranda: | ||
| Average total assets | $368,037,000 | 1,802 |
| Average earning assets | $315,921,000 | 1,908 |
| Average equity | $39,979,750 | 1,670 |
| Average total loans | $215,000,750 | 2,046 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0478% | 4,716 |
| Cost of funding earning assets | 1.6134% | 2,581 |
| Net interest margin | 3.4343% | 5,498 |
| Noninterest income to average assets | 0.5761% | 3,504 |
| Noninterest expense to average assets | 3.2043% | 2,885 |
| Loan and lease loss provision to assets | 1.3136% | 1,041 |
| Net operating income to assets | -0.5909% | 6,734 |
| Return on assets (ROA) | -0.2613% | 6,471 |
| Pretax return on assets | -0.4740% | 6,565 |
| Return on Equity (ROE) | -2.3792% | 6,453 |
| Retained earnings to average equity (ytd only) | -2.3792% | 6,203 |
| Net charge-offs to loans | 1.6709% | 1,122 |
| Credit loss provision to net charge-offs | 129.8813% | 3,097 |
| Earnings coverage of net charge-offs (x) | 0.3209% | 5,407 |
| Efficiency ratio | 90.5550% | 1,293 |
| Assets per employee ($millions) | 3.9301% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2032% | 699 |
| Loan loss allowance to noncurrent loans | 55.2747% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 4.4355% | 1,500 |
| Noncurrent loans to loans | 5.7950% | 1,119 |
| Net loans and leases to total assets | 56.8753% | 5,577 |
| Net loans and leases to deposits | 64.1334% | 6,024 |
| Net loans and leases to core deposits | 72.8270% | 5,581 |
| Total domestic deposits to total assets | 88.6828% | 1,613 |
| Equity capital to assets | 10.8516% | 3,023 |
| Core capital (leverage) ratio | 9.2943% | 4,132 |
| Tier 1 risk-based capital ratio | 12.7482% | 4,648 |
| Total risk-based capital ratio | 14.0148% | 4,601 |
| Memoranda: | ||
| Average total assets | $366,630,670 | 1,824 |
| Average earning assets | $315,229,330 | 1,927 |
| Average equity | $40,265,000 | 1,648 |
| Average total loans | $221,922,670 | 2,004 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1768% | 4,153 |
| Cost of funding earning assets | 1.6224% | 2,816 |
| Net interest margin | 3.5544% | 4,927 |
| Noninterest income to average assets | 0.5596% | 3,567 |
| Noninterest expense to average assets | 3.2024% | 2,852 |
| Loan and lease loss provision to assets | 1.2266% | 990 |
| Net operating income to assets | -0.5371% | 6,854 |
| Return on assets (ROA) | 0.0482% | 6,277 |
| Pretax return on assets | 0.0997% | 6,132 |
| Return on Equity (ROE) | 0.4362% | 6,294 |
| Retained earnings to average equity (ytd only) | 0.4362% | 5,661 |
| Net charge-offs to loans | 1.6759% | 1,034 |
| Credit loss provision to net charge-offs | 119.1489% | 2,926 |
| Earnings coverage of net charge-offs (x) | 0.4000% | 4,676 |
| Efficiency ratio | 88.3636% | 1,552 |
| Assets per employee ($millions) | 3.7497% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9732% | 843 |
| Loan loss allowance to noncurrent loans | 48.7875% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 5.1242% | 1,239 |
| Noncurrent loans to loans | 6.0941% | 1,068 |
| Net loans and leases to total assets | 58.4267% | 5,361 |
| Net loans and leases to deposits | 65.9254% | 5,830 |
| Net loans and leases to core deposits | 76.2665% | 5,221 |
| Total domestic deposits to total assets | 88.6254% | 1,720 |
| Equity capital to assets | 10.9136% | 2,839 |
| Core capital (leverage) ratio | 9.6580% | 3,569 |
| Tier 1 risk-based capital ratio | 12.9053% | 4,404 |
| Total risk-based capital ratio | 14.1701% | 4,368 |
| Memoranda: | ||
| Average total assets | $365,231,500 | 1,877 |
| Average earning assets | $313,860,500 | 1,989 |
| Average equity | $40,353,000 | 1,660 |
| Average total loans | $224,350,500 | 2,041 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5870% | 3,675 |
| Cost of funding earning assets | 2.1003% | 2,461 |
| Net interest margin | 3.4867% | 5,014 |
| Noninterest income to average assets | 0.4313% | 4,945 |
| Noninterest expense to average assets | 4.1912% | 1,106 |
| Loan and lease loss provision to assets | 2.7541% | 673 |
| Net operating income to assets | -2.1671% | 7,155 |
| Return on assets (ROA) | -2.1325% | 7,137 |
| Pretax return on assets | -3.4722% | 7,417 |
| Return on Equity (ROE) | -17.9050% | 7,075 |
| Retained earnings to average equity (ytd only) | -17.9050% | 7,029 |
| Net charge-offs to loans | 3.1285% | 657 |
| Credit loss provision to net charge-offs | 129.0654% | 3,986 |
| Earnings coverage of net charge-offs (x) | -0.3619% | 6,591 |
| Efficiency ratio | 109.7761% | 800 |
| Assets per employee ($millions) | 3.7422% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8137% | 921 |
| Loan loss allowance to noncurrent loans | 63.8878% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 4.1356% | 1,582 |
| Noncurrent loans to loans | 4.4041% | 1,625 |
| Net loans and leases to total assets | 60.8889% | 5,206 |
| Net loans and leases to deposits | 69.5697% | 5,663 |
| Net loans and leases to core deposits | 97.5763% | 4,271 |
| Total domestic deposits to total assets | 87.5221% | 2,204 |
| Equity capital to assets | 11.1853% | 2,544 |
| Core capital (leverage) ratio | 9.7632% | 3,379 |
| Tier 1 risk-based capital ratio | 12.6878% | 4,376 |
| Total risk-based capital ratio | 13.9508% | 4,299 |
| Memoranda: | ||
| Average total assets | $360,516,400 | 1,883 |
| Average earning assets | $308,913,800 | 2,014 |
| Average equity | $42,937,800 | 1,556 |
| Average total loans | $245,904,000 | 1,916 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7192% | 3,244 |
| Cost of funding earning assets | 2.2176% | 2,319 |
| Net interest margin | 3.5016% | 4,861 |
| Noninterest income to average assets | 0.4190% | 5,141 |
| Noninterest expense to average assets | 3.5220% | 2,224 |
| Loan and lease loss provision to assets | 2.6255% | 616 |
| Net operating income to assets | -1.6707% | 7,183 |
| Return on assets (ROA) | -1.6245% | 7,165 |
| Pretax return on assets | -2.6566% | 7,403 |
| Return on Equity (ROE) | -13.4336% | 7,103 |
| Retained earnings to average equity (ytd only) | -13.4336% | 7,038 |
| Net charge-offs to loans | 3.4785% | 430 |
| Credit loss provision to net charge-offs | 108.4302% | 4,688 |
| Earnings coverage of net charge-offs (x) | -0.0427% | 6,118 |
| Efficiency ratio | 99.9458% | 1,065 |
| Assets per employee ($millions) | 3.5760% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0206% | 1,757 |
| Loan loss allowance to noncurrent loans | 136.0855% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 2.4226% | 2,846 |
| Noncurrent loans to loans | 1.4848% | 4,439 |
| Net loans and leases to total assets | 65.2276% | 4,597 |
| Net loans and leases to deposits | 77.4549% | 4,829 |
| Net loans and leases to core deposits | 108.0437% | 3,468 |
| Total domestic deposits to total assets | 84.2136% | 3,622 |
| Equity capital to assets | 12.5654% | 1,907 |
| Core capital (leverage) ratio | 10.6502% | 2,668 |
| Tier 1 risk-based capital ratio | 12.7360% | 4,361 |
| Total risk-based capital ratio | 13.9902% | 4,308 |
| Memoranda: | ||
| Average total assets | $359,897,000 | 1,904 |
| Average earning assets | $308,312,250 | 2,040 |
| Average equity | $43,521,750 | 1,558 |
| Average total loans | $250,524,500 | 1,913 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7048% | 3,514 |
| Cost of funding earning assets | 2.3899% | 2,005 |
| Net interest margin | 3.3150% | 5,495 |
| Noninterest income to average assets | 0.3818% | 5,448 |
| Noninterest expense to average assets | 3.4949% | 2,351 |
| Loan and lease loss provision to assets | 1.2456% | 1,376 |
| Net operating income to assets | -0.8776% | 6,889 |
| Return on assets (ROA) | -0.8776% | 6,895 |
| Pretax return on assets | -1.4863% | 7,084 |
| Return on Equity (ROE) | -7.3494% | 6,837 |
| Retained earnings to average equity (ytd only) | -7.3494% | 6,601 |
| Net charge-offs to loans | 0.5112% | 2,795 |
| Credit loss provision to net charge-offs | 345.1908% | 1,342 |
| Earnings coverage of net charge-offs (x) | -0.6672% | 6,144 |
| Efficiency ratio | 104.1984% | 1,025 |
| Assets per employee ($millions) | 3.7084% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2636% | 1,146 |
| Loan loss allowance to noncurrent loans | 30.3780% | 6,446 |
| Noncurrent assets plus other real estate owned to assets | 6.3265% | 739 |
| Noncurrent loans to loans | 7.4513% | 629 |
| Net loans and leases to total assets | 68.5533% | 4,060 |
| Net loans and leases to deposits | 90.5742% | 2,739 |
| Net loans and leases to core deposits | 130.5120% | 1,521 |
| Total domestic deposits to total assets | 75.6874% | 6,619 |
| Equity capital to assets | 11.6752% | 2,401 |
| Core capital (leverage) ratio | 9.6753% | 3,662 |
| Tier 1 risk-based capital ratio | 11.9816% | 4,935 |
| Total risk-based capital ratio | 13.2435% | 4,841 |
| Memoranda: | ||
| Average total assets | $363,047,000 | 1,909 |
| Average earning assets | $314,574,670 | 2,026 |
| Average equity | $43,350,670 | 1,570 |
| Average total loans | $256,265,330 | 1,911 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8163% | 3,218 |
| Cost of funding earning assets | 2.5699% | 1,658 |
| Net interest margin | 3.2464% | 5,698 |
| Noninterest income to average assets | 0.4608% | 4,676 |
| Noninterest expense to average assets | 3.1494% | 3,192 |
| Loan and lease loss provision to assets | 0.8323% | 1,560 |
| Net operating income to assets | -0.4509% | 6,827 |
| Return on assets (ROA) | -0.4509% | 6,892 |
| Pretax return on assets | -0.7066% | 6,972 |
| Return on Equity (ROE) | -3.7342% | 6,862 |
| Retained earnings to average equity (ytd only) | -3.7342% | 6,388 |
| Net charge-offs to loans | 0.7877% | 1,636 |
| Credit loss provision to net charge-offs | 149.2095% | 2,804 |
| Earnings coverage of net charge-offs (x) | 0.2253% | 4,801 |
| Efficiency ratio | 92.9653% | 1,501 |
| Assets per employee ($millions) | 3.5306% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7607% | 1,959 |
| Loan loss allowance to noncurrent loans | 88.4901% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 3.8796% | 1,350 |
| Noncurrent loans to loans | 1.9897% | 3,271 |
| Net loans and leases to total assets | 65.1808% | 4,775 |
| Net loans and leases to deposits | 77.8787% | 4,948 |
| Net loans and leases to core deposits | 131.1145% | 1,593 |
| Total domestic deposits to total assets | 83.6953% | 3,844 |
| Equity capital to assets | 11.5653% | 2,549 |
| Core capital (leverage) ratio | 9.6956% | 3,764 |
| Tier 1 risk-based capital ratio | 11.9594% | 4,994 |
| Total risk-based capital ratio | 13.2149% | 4,891 |
| Memoranda: | ||
| Average total assets | $362,860,000 | 1,913 |
| Average earning assets | $314,563,500 | 2,035 |
| Average equity | $43,811,000 | 1,552 |
| Average total loans | $256,944,500 | 1,916 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3891% | 3,475 |
| Cost of funding earning assets | 3.0291% | 1,757 |
| Net interest margin | 3.3601% | 5,820 |
| Noninterest income to average assets | 0.4222% | 5,283 |
| Noninterest expense to average assets | 2.7962% | 4,831 |
| Loan and lease loss provision to assets | 0.4515% | 3,033 |
| Net operating income to assets | 0.1080% | 6,092 |
| Return on assets (ROA) | 0.1066% | 5,932 |
| Pretax return on assets | 0.1236% | 5,898 |
| Return on Equity (ROE) | 0.8984% | 5,948 |
| Retained earnings to average equity (ytd only) | 0.8984% | 4,693 |
| Net charge-offs to loans | 0.5230% | 2,273 |
| Credit loss provision to net charge-offs | 119.8704% | 4,485 |
| Earnings coverage of net charge-offs (x) | 1.5313% | 5,334 |
| Efficiency ratio | 79.8537% | 2,619 |
| Assets per employee ($millions) | 3.1632% | 5,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 2,321 |
| Loan loss allowance to noncurrent loans | 46.1079% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 2.9291% | 1,581 |
| Noncurrent loans to loans | 3.4307% | 1,494 |
| Net loans and leases to total assets | 74.4585% | 2,999 |
| Net loans and leases to deposits | 93.2117% | 2,924 |
| Net loans and leases to core deposits | 144.3321% | 1,079 |
| Total domestic deposits to total assets | 79.8811% | 5,068 |
| Equity capital to assets | 12.6259% | 1,956 |
| Core capital (leverage) ratio | 10.6006% | 2,905 |
| Tier 1 risk-based capital ratio | 12.0885% | 4,746 |
| Total risk-based capital ratio | 13.3422% | 4,629 |
| Memoranda: | ||
| Average total assets | $368,783,400 | 1,822 |
| Average earning assets | $323,863,400 | 1,880 |
| Average equity | $43,746,200 | 1,539 |
| Average total loans | $265,595,800 | 1,798 |