Home > Centura Card Bank > Performance and Condition Ratios
Centura Card Bank, Performance and Condition Ratios
| 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 | 9.2341% | 48 |
| Cost of funding earning assets | 0.2901% | 8,104 |
| Net interest margin | 8.9440% | 30 |
| Noninterest income to average assets | 2.3985% | 281 |
| Noninterest expense to average assets | 7.4799% | 185 |
| Loan and lease loss provision to assets | 4.5327% | 251 |
| Net operating income to assets | -1.3618% | 7,190 |
| Return on assets (ROA) | -1.3618% | 7,193 |
| Pretax return on assets | -2.0936% | 7,314 |
| Return on Equity (ROE) | -1.5593% | 6,156 |
| Retained earnings to average equity (ytd only) | -1.5593% | 5,636 |
| Net charge-offs to loans | 6.6462% | 144 |
| Credit loss provision to net charge-offs | 104.6948% | 4,389 |
| Earnings coverage of net charge-offs (x) | 0.5634% | 5,149 |
| Efficiency ratio | 75.4098% | 3,806 |
| Assets per employee ($millions) | 9.8350% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6388% | 336 |
| Loan loss allowance to noncurrent loans | 172.7273% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 1.4540% | 4,065 |
| Noncurrent loans to loans | 2.1067% | 3,370 |
| Net loans and leases to total assets | 66.5074% | 4,459 |
| Net loans and leases to deposits | 1,090.1667% | 15 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 6.1007% | 8,167 |
| Equity capital to assets | 87.1073% | 21 |
| Core capital (leverage) ratio | 87.2099% | 21 |
| Tier 1 risk-based capital ratio | 116.4505% | 57 |
| Total risk-based capital ratio | 117.7201% | 57 |
| Memoranda: | ||
| Average total assets | $9,839,670 | 8,146 |
| Average earning assets | $8,273,670 | 8,143 |
| Average equity | $8,593,670 | 5,818 |
| Average total loans | $6,409,670 | 8,016 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2511% | 49 |
| Cost of funding earning assets | 0.2968% | 8,158 |
| Net interest margin | 8.9543% | 33 |
| Noninterest income to average assets | 2.1540% | 321 |
| Noninterest expense to average assets | 7.6001% | 173 |
| Loan and lease loss provision to assets | 4.9177% | 167 |
| Net operating income to assets | -1.9508% | 7,646 |
| Return on assets (ROA) | -1.9508% | 7,647 |
| Pretax return on assets | -3.0075% | 7,760 |
| Return on Equity (ROE) | -2.2307% | 6,686 |
| Retained earnings to average equity (ytd only) | -2.2307% | 6,143 |
| Net charge-offs to loans | 5.5301% | 178 |
| Credit loss provision to net charge-offs | 140.6977% | 2,902 |
| Earnings coverage of net charge-offs (x) | 0.5465% | 4,556 |
| Efficiency ratio | 79.9145% | 2,837 |
| Assets per employee ($millions) | 9.8260% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4027% | 155 |
| Loan loss allowance to noncurrent loans | 190.2098% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 1.4553% | 3,751 |
| Noncurrent loans to loans | 2.3147% | 2,838 |
| Net loans and leases to total assets | 60.1058% | 5,633 |
| Net loans and leases to deposits | 984.3333% | 17 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 6.1062% | 8,218 |
| Equity capital to assets | 87.4415% | 17 |
| Core capital (leverage) ratio | 87.1533% | 18 |
| Tier 1 risk-based capital ratio | 126.4123% | 58 |
| Total risk-based capital ratio | 127.6989% | 58 |
| Memoranda: | ||
| Average total assets | $9,842,000 | 8,195 |
| Average earning assets | $8,085,500 | 8,192 |
| Average equity | $8,607,000 | 5,842 |
| Average total loans | $6,220,500 | 8,074 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1000% | 46 |
| Cost of funding earning assets | 0.2963% | 8,223 |
| Net interest margin | 9.8037% | 28 |
| Noninterest income to average assets | 3.2996% | 177 |
| Noninterest expense to average assets | 7.4961% | 258 |
| Loan and lease loss provision to assets | 1.7052% | 759 |
| Net operating income to assets | 1.5280% | 965 |
| Return on assets (ROA) | 1.5280% | 933 |
| Pretax return on assets | 2.5245% | 185 |
| Return on Equity (ROE) | 1.8262% | 5,662 |
| Retained earnings to average equity (ytd only) | 1.8262% | 4,098 |
| Net charge-offs to loans | 3.3490% | 242 |
| Credit loss provision to net charge-offs | 70.0000% | 6,073 |
| Earnings coverage of net charge-offs (x) | 1.7364% | 5,206 |
| Efficiency ratio | 63.9282% | 5,577 |
| Assets per employee ($millions) | 9.8580% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7841% | 218 |
| Loan loss allowance to noncurrent loans | 239.3939% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 1.0043% | 4,316 |
| Noncurrent loans to loans | 1.5807% | 3,407 |
| Net loans and leases to total assets | 61.1280% | 5,750 |
| Net loans and leases to deposits | 1,004.3333% | 15 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 6.0864% | 8,274 |
| Equity capital to assets | 87.4620% | 22 |
| Core capital (leverage) ratio | 87.1982% | 20 |
| Tier 1 risk-based capital ratio | 125.1237% | 65 |
| Total risk-based capital ratio | 126.4192% | 64 |
| Memoranda: | ||
| Average total assets | $9,031,400 | 8,260 |
| Average earning assets | $7,762,400 | 8,257 |
| Average equity | $7,556,800 | 6,255 |
| Average total loans | $6,569,200 | 8,100 |