Home > Central Jersey Bank > Performance and Condition Ratios
Central Jersey 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 | 4.4581% | 6,700 |
| Cost of funding earning assets | 0.9501% | 6,176 |
| Net interest margin | 3.5080% | 5,260 |
| Noninterest income to average assets | 0.4648% | 4,455 |
| Noninterest expense to average assets | 2.8488% | 4,282 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6102% | 3,839 |
| Return on assets (ROA) | 0.6102% | 4,003 |
| Pretax return on assets | 0.9170% | 3,503 |
| Return on Equity (ROE) | 5.5779% | 4,014 |
| Retained earnings to average equity (ytd only) | 4.6865% | 3,208 |
| Net charge-offs to loans | 0.2442% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 5.9155% | 2,645 |
| Efficiency ratio | 74.0732% | 3,320 |
| Assets per employee ($millions) | 4.3416% | 3,185 |
| Cash dividends to net income (ytd only)* | 15.9820% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4833% | 1,353 |
| Loan loss allowance to noncurrent loans | 98.0799% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 1.8724% | 3,644 |
| Noncurrent loans to loans | 2.5319% | 3,088 |
| Net loans and leases to total assets | 59.4487% | 5,012 |
| Net loans and leases to deposits | 74.1597% | 4,477 |
| Net loans and leases to core deposits | 74.1597% | 5,271 |
| Total domestic deposits to total assets | 80.1631% | 5,651 |
| Equity capital to assets | 11.0065% | 2,955 |
| Core capital (leverage) ratio | 10.1549% | 3,091 |
| Tier 1 risk-based capital ratio | 12.4582% | 5,020 |
| Total risk-based capital ratio | 13.7161% | 4,988 |
| Memoranda: | ||
| Average total assets | $579,698,000 | 1,167 |
| Average earning assets | $545,480,750 | 1,118 |
| Average equity | $63,415,000 | 1,054 |
| Average total loans | $368,008,000 | 1,241 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5067% | 6,698 |
| Cost of funding earning assets | 0.9662% | 6,305 |
| Net interest margin | 3.5406% | 5,089 |
| Noninterest income to average assets | 0.5086% | 4,041 |
| Noninterest expense to average assets | 2.7977% | 4,490 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6780% | 3,495 |
| Return on assets (ROA) | 0.6780% | 3,642 |
| Pretax return on assets | 1.0401% | 2,978 |
| Return on Equity (ROE) | 6.2108% | 3,687 |
| Retained earnings to average equity (ytd only) | 5.3140% | 2,719 |
| Net charge-offs to loans | 0.3663% | 3,529 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 4.4124% | 2,957 |
| Efficiency ratio | 71.3433% | 3,930 |
| Assets per employee ($millions) | 4.2190% | 3,352 |
| Cash dividends to net income (ytd only)* | 14.4393% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4649% | 1,347 |
| Loan loss allowance to noncurrent loans | 104.3082% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 1.6671% | 3,935 |
| Noncurrent loans to loans | 2.3631% | 3,303 |
| Net loans and leases to total assets | 61.1630% | 4,845 |
| Net loans and leases to deposits | 76.0699% | 4,321 |
| Net loans and leases to core deposits | 76.0699% | 5,184 |
| Total domestic deposits to total assets | 80.4037% | 5,589 |
| Equity capital to assets | 11.1677% | 2,713 |
| Core capital (leverage) ratio | 10.2970% | 2,826 |
| Tier 1 risk-based capital ratio | 13.1710% | 4,307 |
| Total risk-based capital ratio | 14.4305% | 4,256 |
| Memoranda: | ||
| Average total assets | $576,110,670 | 1,181 |
| Average earning assets | $541,722,670 | 1,139 |
| Average equity | $62,890,330 | 1,059 |
| Average total loans | $370,690,670 | 1,238 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 6,822 |
| Cost of funding earning assets | 0.9931% | 6,409 |
| Net interest margin | 3.4899% | 5,202 |
| Noninterest income to average assets | 0.2712% | 5,987 |
| Noninterest expense to average assets | 2.8020% | 4,473 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5355% | 4,207 |
| Return on assets (ROA) | 0.5355% | 4,347 |
| Pretax return on assets | 0.7490% | 4,067 |
| Return on Equity (ROE) | 4.9629% | 4,386 |
| Retained earnings to average equity (ytd only) | 4.0541% | 3,722 |
| Net charge-offs to loans | 0.3340% | 3,075 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 3.4409% | 2,909 |
| Efficiency ratio | 77.2229% | 3,030 |
| Assets per employee ($millions) | 4.3982% | 3,136 |
| Cash dividends to net income (ytd only)* | 18.3117% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5099% | 1,283 |
| Loan loss allowance to noncurrent loans | 115.1133% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 1.5973% | 4,098 |
| Noncurrent loans to loans | 2.1804% | 3,558 |
| Net loans and leases to total assets | 63.1774% | 4,498 |
| Net loans and leases to deposits | 79.1963% | 3,803 |
| Net loans and leases to core deposits | 79.1963% | 4,866 |
| Total domestic deposits to total assets | 79.7732% | 5,867 |
| Equity capital to assets | 10.9318% | 2,824 |
| Core capital (leverage) ratio | 10.0204% | 3,145 |
| Tier 1 risk-based capital ratio | 13.0645% | 4,287 |
| Total risk-based capital ratio | 14.3256% | 4,250 |
| Memoranda: | ||
| Average total assets | $575,167,000 | 1,210 |
| Average earning assets | $540,526,500 | 1,167 |
| Average equity | $62,061,000 | 1,077 |
| Average total loans | $374,808,500 | 1,266 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 6,769 |
| Cost of funding earning assets | 1.4761% | 5,606 |
| Net interest margin | 3.3996% | 5,369 |
| Noninterest income to average assets | 0.3696% | 5,447 |
| Noninterest expense to average assets | 7.4357% | 179 |
| Loan and lease loss provision to assets | 1.0575% | 2,171 |
| Net operating income to assets | -4.8367% | 7,717 |
| Return on assets (ROA) | -4.3605% | 7,660 |
| Pretax return on assets | -4.5031% | 7,643 |
| Return on Equity (ROE) | -35.4001% | 7,498 |
| Retained earnings to average equity (ytd only) | -36.1806% | 7,494 |
| Net charge-offs to loans | 0.3610% | 4,425 |
| Credit loss provision to net charge-offs | 463.1148% | 671 |
| Earnings coverage of net charge-offs (x) | -17.2385% | 7,186 |
| Efficiency ratio | 79.4019% | 2,969 |
| Assets per employee ($millions) | 4.3501% | 3,195 |
| Cash dividends to net income (ytd only)* | -2.2048% | 7,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5358% | 1,184 |
| Loan loss allowance to noncurrent loans | 111.2230% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 1.6762% | 3,856 |
| Noncurrent loans to loans | 2.2800% | 3,306 |
| Net loans and leases to total assets | 63.8606% | 4,627 |
| Net loans and leases to deposits | 78.9680% | 4,179 |
| Net loans and leases to core deposits | 97.4048% | 4,299 |
| Total domestic deposits to total assets | 80.8690% | 5,387 |
| Equity capital to assets | 10.6500% | 3,022 |
| Core capital (leverage) ratio | 7.8910% | 6,334 |
| Tier 1 risk-based capital ratio | 10.1873% | 6,695 |
| Total risk-based capital ratio | 14.0013% | 4,265 |
| Memoranda: | ||
| Average total assets | $587,688,600 | 1,172 |
| Average earning assets | $541,028,400 | 1,168 |
| Average equity | $72,389,600 | 903 |
| Average total loans | $371,785,600 | 1,289 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9782% | 6,669 |
| Cost of funding earning assets | 1.5480% | 5,646 |
| Net interest margin | 3.4302% | 5,144 |
| Noninterest income to average assets | 0.3905% | 5,377 |
| Noninterest expense to average assets | 8.8273% | 126 |
| Loan and lease loss provision to assets | 1.0190% | 1,884 |
| Net operating income to assets | -6.2675% | 7,939 |
| Return on assets (ROA) | -5.6413% | 7,898 |
| Pretax return on assets | -5.6792% | 7,885 |
| Return on Equity (ROE) | -44.3269% | 7,792 |
| Retained earnings to average equity (ytd only) | -45.0798% | 7,794 |
| Net charge-offs to loans | 0.2065% | 4,753 |
| Credit loss provision to net charge-offs | 786.9110% | 485 |
| Earnings coverage of net charge-offs (x) | -40.8727% | 6,957 |
| Efficiency ratio | 75.4092% | 3,607 |
| Assets per employee ($millions) | 4.3487% | 3,122 |
| Cash dividends to net income (ytd only)* | -1.6986% | 7,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2822% | 1,316 |
| Loan loss allowance to noncurrent loans | 82.5830% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.8166% | 3,626 |
| Noncurrent loans to loans | 2.7635% | 2,749 |
| Net loans and leases to total assets | 64.2360% | 4,816 |
| Net loans and leases to deposits | 80.7955% | 4,237 |
| Net loans and leases to core deposits | 101.7765% | 4,179 |
| Total domestic deposits to total assets | 79.5045% | 5,623 |
| Equity capital to assets | 10.8577% | 3,156 |
| Core capital (leverage) ratio | 8.0363% | 6,299 |
| Tier 1 risk-based capital ratio | 10.4212% | 6,552 |
| Total risk-based capital ratio | 14.2252% | 4,138 |
| Memoranda: | ||
| Average total assets | $589,970,000 | 1,182 |
| Average earning assets | $540,744,500 | 1,181 |
| Average equity | $75,082,750 | 871 |
| Average total loans | $369,960,250 | 1,314 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9952% | 6,786 |
| Cost of funding earning assets | 1.6180% | 5,675 |
| Net interest margin | 3.3772% | 5,261 |
| Noninterest income to average assets | 0.3341% | 5,837 |
| Noninterest expense to average assets | 11.7861% | 94 |
| Loan and lease loss provision to assets | 1.1623% | 1,482 |
| Net operating income to assets | -9.4179% | 8,105 |
| Return on assets (ROA) | -8.7284% | 8,085 |
| Pretax return on assets | -8.8345% | 8,072 |
| Return on Equity (ROE) | -65.4632% | 8,004 |
| Retained earnings to average equity (ytd only) | -66.1780% | 8,000 |
| Net charge-offs to loans | 0.3208% | 3,578 |
| Credit loss provision to net charge-offs | 586.9048% | 794 |
| Earnings coverage of net charge-offs (x) | -42.2585% | 6,590 |
| Efficiency ratio | 77.1755% | 3,483 |
| Assets per employee ($millions) | 4.4106% | 2,913 |
| Cash dividends to net income (ytd only)* | -1.0920% | 7,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0202% | 1,528 |
| Loan loss allowance to noncurrent loans | 76.3071% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.6492% | 3,730 |
| Noncurrent loans to loans | 2.6475% | 2,734 |
| Net loans and leases to total assets | 61.0323% | 5,514 |
| Net loans and leases to deposits | 82.9245% | 4,054 |
| Net loans and leases to core deposits | 103.2239% | 4,157 |
| Total domestic deposits to total assets | 73.5998% | 7,023 |
| Equity capital to assets | 10.1928% | 3,728 |
| Core capital (leverage) ratio | 7.4655% | 7,066 |
| Tier 1 risk-based capital ratio | 9.5284% | 7,364 |
| Total risk-based capital ratio | 13.1555% | 4,916 |
| Memoranda: | ||
| Average total assets | $593,833,000 | 1,196 |
| Average earning assets | $542,159,670 | 1,193 |
| Average equity | $79,177,330 | 837 |
| Average total loans | $366,545,000 | 1,361 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2873% | 5,945 |
| Cost of funding earning assets | 1.6815% | 5,683 |
| Net interest margin | 3.6058% | 4,294 |
| Noninterest income to average assets | 0.2555% | 6,413 |
| Noninterest expense to average assets | 2.7481% | 4,789 |
| Loan and lease loss provision to assets | 2.1304% | 557 |
| Net operating income to assets | -0.5389% | 6,911 |
| Return on assets (ROA) | 0.2392% | 5,694 |
| Pretax return on assets | -0.1590% | 6,528 |
| Return on Equity (ROE) | 1.6005% | 5,920 |
| Retained earnings to average equity (ytd only) | 0.9594% | 5,264 |
| Net charge-offs to loans | 0.7699% | 1,667 |
| Credit loss provision to net charge-offs | 450.4310% | 1,175 |
| Earnings coverage of net charge-offs (x) | 1.5977% | 3,929 |
| Efficiency ratio | 76.4352% | 3,416 |
| Assets per employee ($millions) | 4.1817% | 3,291 |
| Cash dividends to net income (ytd only)* | 40.0568% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9843% | 1,457 |
| Loan loss allowance to noncurrent loans | 151.1261% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.8233% | 5,118 |
| Noncurrent loans to loans | 1.3130% | 4,351 |
| Net loans and leases to total assets | 61.4593% | 5,422 |
| Net loans and leases to deposits | 82.3741% | 4,225 |
| Net loans and leases to core deposits | 102.1236% | 4,333 |
| Total domestic deposits to total assets | 74.6099% | 6,782 |
| Equity capital to assets | 15.1953% | 1,047 |
| Core capital (leverage) ratio | 10.0701% | 3,325 |
| Tier 1 risk-based capital ratio | 13.4078% | 3,926 |
| Total risk-based capital ratio | 14.6636% | 3,835 |
| Memoranda: | ||
| Average total assets | $588,625,000 | 1,212 |
| Average earning assets | $530,250,500 | 1,221 |
| Average equity | $87,971,000 | 752 |
| Average total loans | $361,622,000 | 1,394 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9905% | 5,590 |
| Cost of funding earning assets | 2.1249% | 5,953 |
| Net interest margin | 3.8656% | 3,720 |
| Noninterest income to average assets | 0.3660% | 5,779 |
| Noninterest expense to average assets | 2.8730% | 4,531 |
| Loan and lease loss provision to assets | 0.2423% | 4,487 |
| Net operating income to assets | 0.4858% | 4,805 |
| Return on assets (ROA) | 0.5795% | 4,256 |
| Pretax return on assets | 0.8349% | 3,943 |
| Return on Equity (ROE) | 4.0718% | 4,792 |
| Retained earnings to average equity (ytd only) | 1.4162% | 4,370 |
| Net charge-offs to loans | -0.0042% | 7,777 |
| Credit loss provision to net charge-offs | -9,421.4286% | 7,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9974% | 3,751 |
| Assets per employee ($millions) | 4.2870% | 2,978 |
| Cash dividends to net income (ytd only)* | 65.2188% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 3,699 |
| Loan loss allowance to noncurrent loans | 139.4412% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.5665% | 5,486 |
| Noncurrent loans to loans | 0.9408% | 4,731 |
| Net loans and leases to total assets | 59.4255% | 5,992 |
| Net loans and leases to deposits | 85.1586% | 4,233 |
| Net loans and leases to core deposits | 103.2678% | 4,472 |
| Total domestic deposits to total assets | 69.7821% | 7,298 |
| Equity capital to assets | 14.7047% | 1,248 |
| Core capital (leverage) ratio | 10.3270% | 3,149 |
| Tier 1 risk-based capital ratio | 14.0545% | 3,524 |
| Total risk-based capital ratio | 15.2369% | 3,474 |
| Memoranda: | ||
| Average total assets | $544,274,800 | 1,250 |
| Average earning assets | $485,534,600 | 1,267 |
| Average equity | $77,460,200 | 857 |
| Average total loans | $335,042,200 | 1,449 |