Home > Charter Bank > Performance and Condition Ratios
Charter Bank, Performance and Condition Ratios
| 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 | 5.5487% | 3,882 |
| Cost of funding earning assets | 3.1427% | 149 |
| Net interest margin | 2.4060% | 7,509 |
| Noninterest income to average assets | 1.2190% | 1,025 |
| Noninterest expense to average assets | 2.8264% | 4,855 |
| Loan and lease loss provision to assets | 6.2772% | 95 |
| Net operating income to assets | -6.6937% | 7,879 |
| Return on assets (ROA) | -8.5232% | 7,945 |
| Pretax return on assets | -7.5269% | 7,894 |
| Return on Equity (ROE) | -213.7130% | 8,000 |
| Retained earnings to average equity (ytd only) | -215.1502% | 8,000 |
| Net charge-offs to loans | 3.8655% | 440 |
| Credit loss provision to net charge-offs | 224.8549% | 1,667 |
| Earnings coverage of net charge-offs (x) | 0.2077% | 5,927 |
| Efficiency ratio | 81.4221% | 2,680 |
| Assets per employee ($millions) | 4.8465% | 2,413 |
| Cash dividends to net income (ytd only)* | -0.6725% | 7,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2744% | 57 |
| Loan loss allowance to noncurrent loans | 62.6775% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 9.5115% | 410 |
| Noncurrent loans to loans | 11.6061% | 299 |
| Net loans and leases to total assets | 59.2254% | 5,460 |
| Net loans and leases to deposits | 82.7789% | 3,487 |
| Net loans and leases to core deposits | 158.8304% | 353 |
| Total domestic deposits to total assets | 71.5465% | 7,283 |
| Equity capital to assets | -2.3137% | 8,006 |
| Core capital (leverage) ratio | -4.8742% | 8,009 |
| Tier 1 risk-based capital ratio | -8.1450% | 8,010 |
| Total risk-based capital ratio | -8.1450% | 8,010 |
| Memoranda: | ||
| Average total assets | $1,308,475,200 | 517 |
| Average earning assets | $1,189,488,800 | 511 |
| Average equity | $52,184,000 | 1,277 |
| Average total loans | $944,970,200 | 506 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6110% | 3,801 |
| Cost of funding earning assets | 3.2201% | 178 |
| Net interest margin | 2.3909% | 7,575 |
| Noninterest income to average assets | 2.6346% | 255 |
| Noninterest expense to average assets | 2.9763% | 4,142 |
| Loan and lease loss provision to assets | 8.2023% | 39 |
| Net operating income to assets | -6.3701% | 7,945 |
| Return on assets (ROA) | -5.7591% | 7,910 |
| Pretax return on assets | -5.7591% | 7,891 |
| Return on Equity (ROE) | -106.5221% | 8,021 |
| Retained earnings to average equity (ytd only) | -107.9075% | 8,022 |
| Net charge-offs to loans | 4.9779% | 230 |
| Credit loss provision to net charge-offs | 222.3771% | 1,965 |
| Earnings coverage of net charge-offs (x) | 0.4967% | 5,534 |
| Efficiency ratio | 60.8037% | 6,310 |
| Assets per employee ($millions) | 5.0889% | 2,036 |
| Cash dividends to net income (ytd only)* | -1.3005% | 7,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1612% | 78 |
| Loan loss allowance to noncurrent loans | 68.9476% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 8.1775% | 514 |
| Noncurrent loans to loans | 8.9361% | 504 |
| Net loans and leases to total assets | 67.4464% | 4,077 |
| Net loans and leases to deposits | 99.3434% | 1,174 |
| Net loans and leases to core deposits | 179.0428% | 192 |
| Total domestic deposits to total assets | 67.8922% | 7,587 |
| Equity capital to assets | 2.1238% | 8,054 |
| Core capital (leverage) ratio | 0.6325% | 8,077 |
| Tier 1 risk-based capital ratio | 0.9678% | 8,077 |
| Total risk-based capital ratio | 1.9893% | 8,075 |
| Memoranda: | ||
| Average total assets | $1,335,113,500 | 519 |
| Average earning assets | $1,213,884,000 | 517 |
| Average equity | $72,182,250 | 922 |
| Average total loans | $989,290,750 | 495 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5979% | 4,088 |
| Cost of funding earning assets | 3.3002% | 204 |
| Net interest margin | 2.2978% | 7,678 |
| Noninterest income to average assets | 3.3579% | 188 |
| Noninterest expense to average assets | 2.9369% | 4,349 |
| Loan and lease loss provision to assets | 1.6508% | 1,012 |
| Net operating income to assets | 0.8652% | 2,590 |
| Return on assets (ROA) | 1.7632% | 545 |
| Pretax return on assets | 1.7632% | 912 |
| Return on Equity (ROE) | 27.5004% | 97 |
| Retained earnings to average equity (ytd only) | 25.7837% | 42 |
| Net charge-offs to loans | 2.5642% | 666 |
| Credit loss provision to net charge-offs | 86.0937% | 5,029 |
| Earnings coverage of net charge-offs (x) | 1.3122% | 4,539 |
| Efficiency ratio | 52.9038% | 7,448 |
| Assets per employee ($millions) | 5.1937% | 1,870 |
| Cash dividends to net income (ytd only)* | 6.2422% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8634% | 6,926 |
| Loan loss allowance to noncurrent loans | 10.3504% | 7,489 |
| Noncurrent assets plus other real estate owned to assets | 6.7558% | 656 |
| Noncurrent loans to loans | 8.3414% | 509 |
| Net loans and leases to total assets | 72.1444% | 3,181 |
| Net loans and leases to deposits | 114.0569% | 395 |
| Net loans and leases to core deposits | 207.0004% | 101 |
| Total domestic deposits to total assets | 63.2530% | 7,856 |
| Equity capital to assets | 7.1486% | 7,521 |
| Core capital (leverage) ratio | 6.8021% | 7,653 |
| Tier 1 risk-based capital ratio | 10.5649% | 6,321 |
| Total risk-based capital ratio | 11.5495% | 6,528 |
| Memoranda: | ||
| Average total assets | $1,362,858,000 | 521 |
| Average earning assets | $1,242,600,670 | 518 |
| Average equity | $87,380,670 | 756 |
| Average total loans | $1,019,125,670 | 502 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5227% | 4,794 |
| Cost of funding earning assets | 3.3702% | 219 |
| Net interest margin | 2.1526% | 7,825 |
| Noninterest income to average assets | 0.7786% | 2,435 |
| Noninterest expense to average assets | 2.8259% | 4,441 |
| Loan and lease loss provision to assets | 2.1020% | 565 |
| Net operating income to assets | -2.1704% | 7,706 |
| Return on assets (ROA) | -0.3894% | 6,849 |
| Pretax return on assets | -0.3894% | 6,737 |
| Return on Equity (ROE) | -6.4345% | 7,102 |
| Retained earnings to average equity (ytd only) | -6.4345% | 6,736 |
| Net charge-offs to loans | 2.7517% | 477 |
| Credit loss provision to net charge-offs | 100.8378% | 3,695 |
| Earnings coverage of net charge-offs (x) | -0.0328% | 5,009 |
| Efficiency ratio | 100.5594% | 1,107 |
| Assets per employee ($millions) | 5.7382% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 5,963 |
| Loan loss allowance to noncurrent loans | 12.5322% | 7,472 |
| Noncurrent assets plus other real estate owned to assets | 6.6514% | 539 |
| Noncurrent loans to loans | 8.2008% | 427 |
| Net loans and leases to total assets | 74.8159% | 2,551 |
| Net loans and leases to deposits | 118.3816% | 329 |
| Net loans and leases to core deposits | 220.9581% | 100 |
| Total domestic deposits to total assets | 63.1989% | 7,878 |
| Equity capital to assets | 5.9399% | 8,007 |
| Core capital (leverage) ratio | 5.7187% | 8,052 |
| Tier 1 risk-based capital ratio | 8.9994% | 7,789 |
| Total risk-based capital ratio | 10.2325% | 7,830 |
| Memoranda: | ||
| Average total assets | $1,374,298,500 | 522 |
| Average earning assets | $1,263,430,500 | 512 |
| Average equity | $83,176,000 | 793 |
| Average total loans | $1,041,119,500 | 498 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3388% | 3,738 |
| Cost of funding earning assets | 3.7923% | 207 |
| Net interest margin | 2.5465% | 7,698 |
| Noninterest income to average assets | 0.3423% | 5,999 |
| Noninterest expense to average assets | 2.0803% | 7,276 |
| Loan and lease loss provision to assets | 0.7563% | 1,975 |
| Net operating income to assets | -0.1291% | 6,534 |
| Return on assets (ROA) | 0.2869% | 5,395 |
| Pretax return on assets | 0.3024% | 5,505 |
| Return on Equity (ROE) | 4.7228% | 4,506 |
| Retained earnings to average equity (ytd only) | -1.3299% | 5,692 |
| Net charge-offs to loans | 0.4815% | 2,430 |
| Credit loss provision to net charge-offs | 214.6924% | 2,250 |
| Earnings coverage of net charge-offs (x) | 1.7621% | 5,192 |
| Efficiency ratio | 75.0182% | 3,396 |
| Assets per employee ($millions) | 5.4605% | 1,487 |
| Cash dividends to net income (ytd only)* | 128.1594% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 5,350 |
| Loan loss allowance to noncurrent loans | 18.4929% | 7,293 |
| Noncurrent assets plus other real estate owned to assets | 4.8730% | 726 |
| Noncurrent loans to loans | 5.8946% | 625 |
| Net loans and leases to total assets | 75.0973% | 2,856 |
| Net loans and leases to deposits | 136.5837% | 133 |
| Net loans and leases to core deposits | 247.1664% | 74 |
| Total domestic deposits to total assets | 54.9826% | 8,072 |
| Equity capital to assets | 6.1679% | 8,029 |
| Core capital (leverage) ratio | 5.9788% | 8,086 |
| Tier 1 risk-based capital ratio | 9.1767% | 7,638 |
| Total risk-based capital ratio | 10.4270% | 7,599 |
| Memoranda: | ||
| Average total assets | $1,425,812,400 | 487 |
| Average earning assets | $1,320,686,200 | 477 |
| Average equity | $86,622,200 | 767 |
| Average total loans | $1,043,179,400 | 477 |