Home > CF Bancorp > Performance and Condition Ratios
CF Bancorp, Performance and Condition Ratios
| 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 | 6.0073% | 970 |
| Cost of funding earning assets | 2.8346% | 74 |
| Net interest margin | 3.1727% | 6,375 |
| Noninterest income to average assets | -1.0882% | 7,904 |
| Noninterest expense to average assets | 3.2025% | 2,850 |
| Loan and lease loss provision to assets | 19.2849% | 3 |
| Net operating income to assets | -20.6972% | 7,929 |
| Return on assets (ROA) | -21.3934% | 7,930 |
| Pretax return on assets | -21.3934% | 7,930 |
| Return on Equity (ROE) | 561.7487% | 4 |
| Retained earnings to average equity (ytd only) | 561.7487% | 4 |
| Net charge-offs to loans | 4.4657% | 287 |
| Credit loss provision to net charge-offs | 574.3669% | 754 |
| Earnings coverage of net charge-offs (x) | -0.4206% | 5,256 |
| Efficiency ratio | 177.6009% | 127 |
| Assets per employee ($millions) | 4.5820% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.1647% | 23 |
| Loan loss allowance to noncurrent loans | 120.9996% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 7.8868% | 628 |
| Noncurrent loans to loans | 8.4006% | 626 |
| Net loans and leases to total assets | 68.7313% | 3,224 |
| Net loans and leases to deposits | 77.4860% | 4,137 |
| Net loans and leases to core deposits | 101.7285% | 1,947 |
| Total domestic deposits to total assets | 88.7015% | 1,674 |
| Equity capital to assets | -6.4779% | 7,932 |
| Core capital (leverage) ratio | -4.8854% | 7,933 |
| Tier 1 risk-based capital ratio | -6.4343% | 7,931 |
| Total risk-based capital ratio | -6.4343% | 7,931 |
| Memoranda: | ||
| Average total assets | $1,655,952,000 | 423 |
| Average earning assets | $1,502,303,500 | 423 |
| Average equity | $-63,064,500 | 7,934 |
| Average total loans | $1,245,042,000 | 380 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9769% | 1,957 |
| Cost of funding earning assets | 2.9886% | 244 |
| Net interest margin | 2.9883% | 6,677 |
| Noninterest income to average assets | 0.4698% | 4,651 |
| Noninterest expense to average assets | 2.8590% | 4,702 |
| Loan and lease loss provision to assets | 5.0228% | 190 |
| Net operating income to assets | -4.6092% | 7,689 |
| Return on assets (ROA) | -6.3415% | 7,847 |
| Pretax return on assets | -6.4706% | 7,835 |
| Return on Equity (ROE) | -313.3521% | 8,007 |
| Retained earnings to average equity (ytd only) | -313.3521% | 8,007 |
| Net charge-offs to loans | 4.5364% | 322 |
| Credit loss provision to net charge-offs | 151.8256% | 3,035 |
| Earnings coverage of net charge-offs (x) | 0.0967% | 6,060 |
| Efficiency ratio | 89.2925% | 1,767 |
| Assets per employee ($millions) | 4.7314% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6126% | 228 |
| Loan loss allowance to noncurrent loans | 62.9386% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 6.7112% | 783 |
| Noncurrent loans to loans | 7.3287% | 731 |
| Net loans and leases to total assets | 70.5403% | 3,117 |
| Net loans and leases to deposits | 84.0877% | 3,248 |
| Net loans and leases to core deposits | 99.0309% | 4,105 |
| Total domestic deposits to total assets | 83.8890% | 4,075 |
| Equity capital to assets | -1.3159% | 8,002 |
| Core capital (leverage) ratio | 0.2309% | 7,996 |
| Tier 1 risk-based capital ratio | 0.2825% | 7,997 |
| Total risk-based capital ratio | 0.5650% | 7,997 |
| Memoranda: | ||
| Average total assets | $1,863,542,600 | 380 |
| Average earning assets | $1,689,399,800 | 384 |
| Average equity | $37,713,800 | 1,776 |
| Average total loans | $1,359,032,000 | 363 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0260% | 1,931 |
| Cost of funding earning assets | 3.0321% | 301 |
| Net interest margin | 2.9939% | 6,628 |
| Noninterest income to average assets | 0.4145% | 5,178 |
| Noninterest expense to average assets | 2.7782% | 4,984 |
| Loan and lease loss provision to assets | 4.6872% | 199 |
| Net operating income to assets | -4.5921% | 7,802 |
| Return on assets (ROA) | -6.4474% | 7,947 |
| Pretax return on assets | -6.1927% | 7,920 |
| Return on Equity (ROE) | -232.2620% | 8,082 |
| Retained earnings to average equity (ytd only) | -232.2620% | 8,082 |
| Net charge-offs to loans | 4.9533% | 234 |
| Credit loss provision to net charge-offs | 130.1673% | 3,849 |
| Earnings coverage of net charge-offs (x) | 0.0971% | 5,946 |
| Efficiency ratio | 88.1757% | 1,859 |
| Assets per employee ($millions) | 4.7137% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1955% | 565 |
| Loan loss allowance to noncurrent loans | 54.0684% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 5.4738% | 1,045 |
| Noncurrent loans to loans | 5.9101% | 1,011 |
| Net loans and leases to total assets | 69.8671% | 3,551 |
| Net loans and leases to deposits | 85.2303% | 3,461 |
| Net loans and leases to core deposits | 99.5875% | 4,421 |
| Total domestic deposits to total assets | 81.9745% | 4,688 |
| Equity capital to assets | -0.7070% | 8,086 |
| Core capital (leverage) ratio | 1.6400% | 8,056 |
| Tier 1 risk-based capital ratio | 1.8944% | 8,063 |
| Total risk-based capital ratio | 3.1618% | 8,062 |
| Memoranda: | ||
| Average total assets | $1,901,232,750 | 379 |
| Average earning assets | $1,723,144,000 | 387 |
| Average equity | $52,777,000 | 1,273 |
| Average total loans | $1,382,133,500 | 373 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0774% | 1,866 |
| Cost of funding earning assets | 3.0695% | 387 |
| Net interest margin | 3.0079% | 6,529 |
| Noninterest income to average assets | 0.4999% | 4,448 |
| Noninterest expense to average assets | 2.7112% | 5,344 |
| Loan and lease loss provision to assets | 2.1817% | 733 |
| Net operating income to assets | -2.0064% | 7,432 |
| Return on assets (ROA) | -3.0888% | 7,691 |
| Pretax return on assets | -2.7539% | 7,488 |
| Return on Equity (ROE) | -79.7859% | 8,040 |
| Retained earnings to average equity (ytd only) | -79.7859% | 8,039 |
| Net charge-offs to loans | 1.7392% | 1,093 |
| Credit loss provision to net charge-offs | 172.1663% | 2,673 |
| Earnings coverage of net charge-offs (x) | 0.4027% | 5,287 |
| Efficiency ratio | 83.5458% | 2,533 |
| Assets per employee ($millions) | 5.0599% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5599% | 851 |
| Loan loss allowance to noncurrent loans | 36.6017% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 6.1866% | 771 |
| Noncurrent loans to loans | 6.9939% | 698 |
| Net loans and leases to total assets | 69.8645% | 3,735 |
| Net loans and leases to deposits | 95.2882% | 1,905 |
| Net loans and leases to core deposits | 108.0844% | 3,601 |
| Total domestic deposits to total assets | 73.3192% | 7,064 |
| Equity capital to assets | 2.5702% | 8,131 |
| Core capital (leverage) ratio | 4.6535% | 8,045 |
| Tier 1 risk-based capital ratio | 5.5638% | 8,077 |
| Total risk-based capital ratio | 6.8251% | 8,082 |
| Memoranda: | ||
| Average total assets | $1,928,475,670 | 386 |
| Average earning assets | $1,744,866,330 | 389 |
| Average equity | $74,657,330 | 890 |
| Average total loans | $1,405,112,000 | 378 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1141% | 1,897 |
| Cost of funding earning assets | 3.1769% | 368 |
| Net interest margin | 2.9371% | 6,647 |
| Noninterest income to average assets | 0.7483% | 2,612 |
| Noninterest expense to average assets | 2.3693% | 6,298 |
| Loan and lease loss provision to assets | 1.6689% | 746 |
| Net operating income to assets | -0.6311% | 6,992 |
| Return on assets (ROA) | -1.5270% | 7,509 |
| Pretax return on assets | -1.5270% | 7,375 |
| Return on Equity (ROE) | -33.7913% | 7,934 |
| Retained earnings to average equity (ytd only) | -33.7913% | 7,895 |
| Net charge-offs to loans | 1.3672% | 1,034 |
| Credit loss provision to net charge-offs | 166.2129% | 2,575 |
| Earnings coverage of net charge-offs (x) | 1.0336% | 4,250 |
| Efficiency ratio | 68.9624% | 4,780 |
| Assets per employee ($millions) | 5.0340% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1172% | 1,197 |
| Loan loss allowance to noncurrent loans | 31.0206% | 6,478 |
| Noncurrent assets plus other real estate owned to assets | 6.1674% | 636 |
| Noncurrent loans to loans | 6.8251% | 609 |
| Net loans and leases to total assets | 71.9283% | 3,249 |
| Net loans and leases to deposits | 101.6952% | 1,210 |
| Net loans and leases to core deposits | 115.2113% | 2,882 |
| Total domestic deposits to total assets | 70.7293% | 7,359 |
| Equity capital to assets | 3.9417% | 8,165 |
| Core capital (leverage) ratio | 5.6252% | 8,064 |
| Tier 1 risk-based capital ratio | 6.6250% | 8,118 |
| Total risk-based capital ratio | 7.8816% | 8,126 |
| Memoranda: | ||
| Average total assets | $1,931,338,500 | 385 |
| Average earning assets | $1,748,364,000 | 385 |
| Average equity | $87,277,000 | 761 |
| Average total loans | $1,418,362,500 | 381 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4686% | 3,125 |
| Cost of funding earning assets | 3.5203% | 487 |
| Net interest margin | 2.9483% | 7,037 |
| Noninterest income to average assets | 0.4754% | 4,834 |
| Noninterest expense to average assets | 2.8868% | 4,494 |
| Loan and lease loss provision to assets | 1.8221% | 691 |
| Net operating income to assets | -1.1544% | 7,323 |
| Return on assets (ROA) | -2.6608% | 7,723 |
| Pretax return on assets | -3.5197% | 7,810 |
| Return on Equity (ROE) | -38.0677% | 8,059 |
| Retained earnings to average equity (ytd only) | -38.0677% | 8,021 |
| Net charge-offs to loans | 2.0752% | 516 |
| Credit loss provision to net charge-offs | 116.0554% | 4,648 |
| Earnings coverage of net charge-offs (x) | 0.1812% | 6,136 |
| Efficiency ratio | 74.8449% | 3,428 |
| Assets per employee ($millions) | 5.1307% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8451% | 1,539 |
| Loan loss allowance to noncurrent loans | 29.1796% | 6,751 |
| Noncurrent assets plus other real estate owned to assets | 5.6758% | 553 |
| Noncurrent loans to loans | 6.3232% | 526 |
| Net loans and leases to total assets | 72.0414% | 3,571 |
| Net loans and leases to deposits | 108.4306% | 946 |
| Net loans and leases to core deposits | 124.0689% | 2,320 |
| Total domestic deposits to total assets | 66.4402% | 7,624 |
| Equity capital to assets | 5.0825% | 8,179 |
| Core capital (leverage) ratio | 5.0099% | 8,209 |
| Tier 1 risk-based capital ratio | 6.1166% | 8,226 |
| Total risk-based capital ratio | 7.2996% | 8,231 |
| Memoranda: | ||
| Average total assets | $1,986,762,000 | 365 |
| Average earning assets | $1,816,620,000 | 358 |
| Average equity | $138,868,400 | 507 |
| Average total loans | $1,503,052,200 | 350 |