Home > Charter Alliance Bank > Performance and Condition Ratios
Charter Alliance Bank, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0329% | 145 |
| Cost of funding earning assets | 1.4296% | 3,075 |
| Net interest margin | 5.6033% | 148 |
| Noninterest income to average assets | 0.3857% | 5,016 |
| Noninterest expense to average assets | 4.0019% | 1,160 |
| Loan and lease loss provision to assets | 0.5059% | 3,129 |
| Net operating income to assets | 0.4758% | 4,210 |
| Return on assets (ROA) | 0.4758% | 4,368 |
| Pretax return on assets | 0.7463% | 3,811 |
| Return on Equity (ROE) | 1.9587% | 5,393 |
| Retained earnings to average equity (ytd only) | 1.9587% | 4,497 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1678% | 3,033 |
| Assets per employee ($millions) | 2.5709% | 6,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7867% | 2,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 77.5839% | 1,006 |
| Net loans and leases to deposits | 107.7731% | 274 |
| Net loans and leases to core deposits | 119.6299% | 536 |
| Total domestic deposits to total assets | 71.9882% | 7,082 |
| Equity capital to assets | 27.2950% | 95 |
| Core capital (leverage) ratio | 24.2141% | 130 |
| Tier 1 risk-based capital ratio | 31.2455% | 458 |
| Total risk-based capital ratio | 32.4982% | 451 |
| Memoranda: | ||
| Average total assets | $19,965,400 | 7,468 |
| Average earning assets | $17,347,000 | 7,465 |
| Average equity | $4,850,200 | 6,712 |
| Average total loans | $13,415,800 | 7,235 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7515% | 216 |
| Cost of funding earning assets | 1.5028% | 2,961 |
| Net interest margin | 5.2487% | 266 |
| Noninterest income to average assets | 0.3324% | 5,501 |
| Noninterest expense to average assets | 3.8061% | 1,367 |
| Loan and lease loss provision to assets | 0.6582% | 2,321 |
| Net operating income to assets | 0.2933% | 5,193 |
| Return on assets (ROA) | 0.2933% | 5,364 |
| Pretax return on assets | 0.4432% | 5,103 |
| Return on Equity (ROE) | 1.2410% | 5,835 |
| Retained earnings to average equity (ytd only) | 1.2410% | 5,314 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5564% | 2,685 |
| Assets per employee ($millions) | 3.0376% | 6,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6988% | 3,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 69.1248% | 2,952 |
| Net loans and leases to deposits | 90.7116% | 1,621 |
| Net loans and leases to core deposits | 103.6092% | 1,520 |
| Total domestic deposits to total assets | 76.2028% | 6,614 |
| Equity capital to assets | 22.8660% | 173 |
| Core capital (leverage) ratio | 22.1130% | 173 |
| Tier 1 risk-based capital ratio | 28.8771% | 573 |
| Total risk-based capital ratio | 30.1308% | 559 |
| Memoranda: | ||
| Average total assets | $20,457,750 | 7,551 |
| Average earning assets | $17,832,750 | 7,551 |
| Average equity | $4,834,750 | 6,801 |
| Average total loans | $13,215,750 | 7,336 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5587% | 310 |
| Cost of funding earning assets | 1.5686% | 2,845 |
| Net interest margin | 4.9901% | 431 |
| Noninterest income to average assets | 0.3071% | 5,703 |
| Noninterest expense to average assets | 3.6851% | 1,582 |
| Loan and lease loss provision to assets | 0.6142% | 2,334 |
| Net operating income to assets | 0.2377% | 5,420 |
| Return on assets (ROA) | 0.2377% | 5,562 |
| Pretax return on assets | 0.3566% | 5,353 |
| Return on Equity (ROE) | 0.9947% | 5,961 |
| Retained earnings to average equity (ytd only) | 0.9947% | 5,372 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1489% | 2,554 |
| Assets per employee ($millions) | 3.2466% | 5,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 3,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 61.9599% | 4,690 |
| Net loans and leases to deposits | 79.4056% | 3,713 |
| Net loans and leases to core deposits | 89.9227% | 3,282 |
| Total domestic deposits to total assets | 78.0296% | 6,263 |
| Equity capital to assets | 21.3016% | 227 |
| Core capital (leverage) ratio | 22.3459% | 170 |
| Tier 1 risk-based capital ratio | 30.1298% | 501 |
| Total risk-based capital ratio | 31.3833% | 491 |
| Memoranda: | ||
| Average total assets | $20,189,330 | 7,621 |
| Average earning assets | $17,595,000 | 7,623 |
| Average equity | $4,825,670 | 6,834 |
| Average total loans | $12,637,000 | 7,420 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3908% | 444 |
| Cost of funding earning assets | 1.6831% | 2,469 |
| Net interest margin | 4.7077% | 769 |
| Noninterest income to average assets | 0.3171% | 5,608 |
| Noninterest expense to average assets | 3.6362% | 1,652 |
| Loan and lease loss provision to assets | 0.6976% | 1,827 |
| Net operating income to assets | 0.0423% | 6,185 |
| Return on assets (ROA) | 0.0423% | 6,297 |
| Pretax return on assets | 0.0634% | 6,223 |
| Return on Equity (ROE) | 0.1660% | 6,361 |
| Retained earnings to average equity (ytd only) | 0.1660% | 5,757 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6923% | 2,178 |
| Assets per employee ($millions) | 3.1313% | 5,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 4,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 68.1765% | 3,346 |
| Net loans and leases to deposits | 92.6577% | 1,518 |
| Net loans and leases to core deposits | 106.7150% | 1,517 |
| Total domestic deposits to total assets | 73.5789% | 7,099 |
| Equity capital to assets | 25.6494% | 136 |
| Core capital (leverage) ratio | 24.9974% | 134 |
| Tier 1 risk-based capital ratio | 32.4510% | 423 |
| Total risk-based capital ratio | 33.7023% | 417 |
| Memoranda: | ||
| Average total assets | $18,921,000 | 7,749 |
| Average earning assets | $16,398,500 | 7,745 |
| Average equity | $4,818,000 | 6,904 |
| Average total loans | $11,807,500 | 7,557 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0461% | 6,286 |
| Cost of funding earning assets | 1.1816% | 6,725 |
| Net interest margin | 3.8645% | 3,416 |
| Noninterest income to average assets | 0.5555% | 3,979 |
| Noninterest expense to average assets | 4.3853% | 890 |
| Loan and lease loss provision to assets | 1.1183% | 2,046 |
| Net operating income to assets | -1.0817% | 6,631 |
| Return on assets (ROA) | -1.0817% | 6,638 |
| Pretax return on assets | -1.7687% | 6,844 |
| Return on Equity (ROE) | -3.0590% | 5,994 |
| Retained earnings to average equity (ytd only) | -3.0590% | 5,713 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.4168% | 650 |
| Assets per employee ($millions) | 3.1757% | 5,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 4,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 54.9333% | 6,090 |
| Net loans and leases to deposits | 74.1867% | 5,010 |
| Net loans and leases to core deposits | 231.7246% | 57 |
| Total domestic deposits to total assets | 74.0474% | 7,006 |
| Equity capital to assets | 25.2808% | 159 |
| Core capital (leverage) ratio | 25.8624% | 143 |
| Tier 1 risk-based capital ratio | 34.6820% | 349 |
| Total risk-based capital ratio | 35.8056% | 346 |
| Memoranda: | ||
| Average total assets | $13,682,000 | 7,924 |
| Average earning assets | $11,256,250 | 7,925 |
| Average equity | $4,838,250 | 7,008 |
| Average total loans | $7,544,750 | 7,802 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7410% | 7,222 |
| Cost of funding earning assets | 0.9258% | 7,519 |
| Net interest margin | 3.8152% | 3,593 |
| Noninterest income to average assets | 0.7288% | 2,832 |
| Noninterest expense to average assets | 5.0120% | 480 |
| Loan and lease loss provision to assets | 1.2446% | 1,555 |
| Net operating income to assets | -1.6370% | 7,171 |
| Return on assets (ROA) | -1.6370% | 7,167 |
| Pretax return on assets | -2.4779% | 7,340 |
| Return on Equity (ROE) | -4.0175% | 6,340 |
| Retained earnings to average equity (ytd only) | -4.0175% | 6,113 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.6409% | 445 |
| Assets per employee ($millions) | 2.5432% | 7,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 4,593 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 55.8687% | 6,155 |
| Net loans and leases to deposits | 82.3433% | 3,952 |
| Net loans and leases to core deposits | 236.1496% | 57 |
| Total domestic deposits to total assets | 67.8485% | 7,593 |
| Equity capital to assets | 31.5814% | 99 |
| Core capital (leverage) ratio | 34.8618% | 97 |
| Tier 1 risk-based capital ratio | 41.8748% | 253 |
| Total risk-based capital ratio | 42.8546% | 251 |
| Memoranda: | ||
| Average total assets | $11,891,330 | 8,029 |
| Average earning assets | $9,505,670 | 8,031 |
| Average equity | $4,845,330 | 7,061 |
| Average total loans | $6,519,670 | 7,921 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8708% | 7,952 |
| Cost of funding earning assets | 0.7178% | 7,904 |
| Net interest margin | 3.1530% | 6,081 |
| Noninterest income to average assets | 0.9405% | 1,796 |
| Noninterest expense to average assets | 5.6429% | 359 |
| Loan and lease loss provision to assets | 1.9202% | 853 |
| Net operating income to assets | -2.7627% | 7,620 |
| Return on assets (ROA) | -2.7627% | 7,615 |
| Pretax return on assets | -4.2126% | 7,773 |
| Return on Equity (ROE) | -5.8043% | 6,689 |
| Retained earnings to average equity (ytd only) | -5.8043% | 6,420 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 168.4211% | 291 |
| Assets per employee ($millions) | 2.0897% | 7,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 4,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 60.5679% | 5,593 |
| Net loans and leases to deposits | 99.4239% | 1,343 |
| Net loans and leases to core deposits | 229.6341% | 71 |
| Total domestic deposits to total assets | 60.9188% | 7,916 |
| Equity capital to assets | 38.4830% | 91 |
| Core capital (leverage) ratio | 45.0460% | 73 |
| Tier 1 risk-based capital ratio | 48.3759% | 197 |
| Total risk-based capital ratio | 49.3738% | 197 |
| Memoranda: | ||
| Average total assets | $10,207,500 | 8,143 |
| Average earning assets | $7,802,000 | 8,149 |
| Average equity | $4,858,500 | 7,123 |
| Average total loans | $5,461,500 | 8,048 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0036% | 8,186 |
| Cost of funding earning assets | 0.2147% | 8,177 |
| Net interest margin | 1.7889% | 7,977 |
| Noninterest income to average assets | 1.5234% | 605 |
| Noninterest expense to average assets | 6.3984% | 252 |
| Loan and lease loss provision to assets | 2.0312% | 593 |
| Net operating income to assets | -3.7070% | 7,951 |
| Return on assets (ROA) | -3.7070% | 7,944 |
| Pretax return on assets | -5.6367% | 8,026 |
| Return on Equity (ROE) | -5.9689% | 7,062 |
| Retained earnings to average equity (ytd only) | -5.9689% | 6,680 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 229.0909% | 145 |
| Assets per employee ($millions) | 1.3128% | 8,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 4,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 40.5103% | 7,541 |
| Net loans and leases to deposits | 107.7676% | 743 |
| Net loans and leases to core deposits | 191.8821% | 171 |
| Total domestic deposits to total assets | 37.5905% | 8,150 |
| Equity capital to assets | 62.1049% | 49 |
| Core capital (leverage) ratio | 85.8507% | 22 |
| Tier 1 risk-based capital ratio | 84.5056% | 80 |
| Total risk-based capital ratio | 85.2019% | 80 |
| Memoranda: | ||
| Average total assets | $7,877,000 | 8,219 |
| Average earning assets | $5,590,000 | 8,222 |
| Average equity | $4,892,000 | 7,151 |
| Average total loans | $3,231,000 | 8,162 |