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Century 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 | 3.6618% | 8,070 |
| Cost of funding earning assets | 1.1147% | 7,495 |
| Net interest margin | 2.5471% | 7,446 |
| Noninterest income to average assets | 1.6592% | 497 |
| Noninterest expense to average assets | 2.7444% | 4,810 |
| Loan and lease loss provision to assets | 0.7290% | 1,760 |
| Net operating income to assets | 0.2722% | 5,402 |
| Return on assets (ROA) | 0.3807% | 5,126 |
| Pretax return on assets | 0.5432% | 4,939 |
| Return on Equity (ROE) | 2.2378% | 5,687 |
| Retained earnings to average equity (ytd only) | 2.2378% | 4,626 |
| Net charge-offs to loans | 2.8947% | 445 |
| Credit loss provision to net charge-offs | 31.3006% | 4,936 |
| Earnings coverage of net charge-offs (x) | 0.4796% | 4,602 |
| Efficiency ratio | 68.1257% | 4,942 |
| Assets per employee ($millions) | 3.4445% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9430% | 1,535 |
| Loan loss allowance to noncurrent loans | 19.8056% | 7,180 |
| Noncurrent assets plus other real estate owned to assets | 8.1810% | 354 |
| Noncurrent loans to loans | 9.8104% | 307 |
| Net loans and leases to total assets | 81.6896% | 1,062 |
| Net loans and leases to deposits | 100.8899% | 1,293 |
| Net loans and leases to core deposits | 138.3972% | 1,181 |
| Total domestic deposits to total assets | 80.9690% | 4,985 |
| Equity capital to assets | 18.1322% | 594 |
| Core capital (leverage) ratio | 10.6492% | 2,788 |
| Tier 1 risk-based capital ratio | 12.3016% | 4,706 |
| Total risk-based capital ratio | 13.5611% | 4,615 |
| Memoranda: | ||
| Average total assets | $1,526,479,000 | 476 |
| Average earning assets | $1,319,774,500 | 498 |
| Average equity | $259,721,500 | 296 |
| Average total loans | $1,228,192,500 | 437 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 8,298 |
| Cost of funding earning assets | 0.0000% | 8,290 |
| Net interest margin | 0.0000% | 8,294 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 0.0000% | 8,298 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0000% | 6,365 |
| Return on assets (ROA) | 0.0000% | 6,229 |
| Pretax return on assets | 0.0000% | 6,153 |
| Return on Equity (ROE) | 0.0000% | 6,230 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 3.5530% | 4,536 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3302% | 818 |
| Loan loss allowance to noncurrent loans | 43.7275% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 4.1528% | 963 |
| Noncurrent loans to loans | 5.3290% | 790 |
| Net loans and leases to total assets | 76.1119% | 2,593 |
| Net loans and leases to deposits | 99.9886% | 1,835 |
| Net loans and leases to core deposits | 138.5990% | 1,338 |
| Total domestic deposits to total assets | 76.1205% | 6,210 |
| Equity capital to assets | 16.0213% | 926 |
| Core capital (leverage) ratio | 9.4140% | 4,137 |
| Tier 1 risk-based capital ratio | 11.3653% | 5,367 |
| Total risk-based capital ratio | 12.6324% | 5,254 |
| Memoranda: | ||
| Average total assets | $1,465,974,400 | 475 |
| Average earning assets | $1,339,865,800 | 473 |
| Average equity | $143,582,000 | 486 |
| Average total loans | $1,226,027,800 | 417 |