Home > Charter Bank > Performance and Condition Ratios
Charter Bank, Performance and Condition Ratios
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7070% | 44 |
| Cost of funding earning assets | 2.2466% | 55 |
| Net interest margin | 6.4604% | 64 |
| Noninterest income to average assets | 0.5541% | 3,482 |
| Noninterest expense to average assets | 5.2714% | 294 |
| Loan and lease loss provision to assets | 5.1762% | 24 |
| Net operating income to assets | -4.3096% | 7,350 |
| Return on assets (ROA) | -4.3096% | 7,354 |
| Pretax return on assets | -4.3096% | 7,352 |
| Return on Equity (ROE) | -15.9702% | 7,035 |
| Retained earnings to average equity (ytd only) | -15.9702% | 7,010 |
| Net charge-offs to loans | 1.3260% | 1,153 |
| Credit loss provision to net charge-offs | 566.1497% | 487 |
| Earnings coverage of net charge-offs (x) | 0.9478% | 4,910 |
| Efficiency ratio | 85.8149% | 1,551 |
| Assets per employee ($millions) | 10.5370% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6871% | 54 |
| Loan loss allowance to noncurrent loans | 24.9511% | 6,489 |
| Noncurrent assets plus other real estate owned to assets | 21.6377% | 41 |
| Noncurrent loans to loans | 26.8008% | 22 |
| Net loans and leases to total assets | 64.0940% | 3,291 |
| Net loans and leases to deposits | 175.6912% | 20 |
| Net loans and leases to core deposits | 180.6798% | 80 |
| Total domestic deposits to total assets | 36.4811% | 7,382 |
| Equity capital to assets | 27.0889% | 93 |
| Core capital (leverage) ratio | 27.0183% | 89 |
| Tier 1 risk-based capital ratio | 96.6093% | 59 |
| Total risk-based capital ratio | 98.0466% | 59 |
| Memoranda: | ||
| Average total assets | $752,187,250 | 881 |
| Average earning assets | $650,139,500 | 922 |
| Average equity | $202,981,500 | 352 |
| Average total loans | $518,648,750 | 815 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4442% | 37 |
| Cost of funding earning assets | 2.2543% | 61 |
| Net interest margin | 7.1900% | 48 |
| Noninterest income to average assets | 0.5537% | 3,454 |
| Noninterest expense to average assets | 5.1775% | 320 |
| Loan and lease loss provision to assets | 6.2291% | 24 |
| Net operating income to assets | -4.6567% | 7,429 |
| Return on assets (ROA) | -4.6567% | 7,431 |
| Pretax return on assets | -4.6567% | 7,425 |
| Return on Equity (ROE) | -17.2764% | 7,121 |
| Retained earnings to average equity (ytd only) | -17.2764% | 7,102 |
| Net charge-offs to loans | 1.2840% | 1,208 |
| Credit loss provision to net charge-offs | 702.7337% | 456 |
| Earnings coverage of net charge-offs (x) | 1.7740% | 3,983 |
| Efficiency ratio | 76.6541% | 2,910 |
| Assets per employee ($millions) | 9.5743% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7313% | 117 |
| Loan loss allowance to noncurrent loans | 26.8055% | 6,431 |
| Noncurrent assets plus other real estate owned to assets | 18.1672% | 87 |
| Noncurrent loans to loans | 21.3812% | 47 |
| Net loans and leases to total assets | 65.2996% | 3,186 |
| Net loans and leases to deposits | 179.6860% | 22 |
| Net loans and leases to core deposits | 195.9636% | 72 |
| Total domestic deposits to total assets | 36.3409% | 7,456 |
| Equity capital to assets | 27.1697% | 98 |
| Core capital (leverage) ratio | 27.0997% | 97 |
| Tier 1 risk-based capital ratio | 95.0552% | 57 |
| Total risk-based capital ratio | 96.4617% | 57 |
| Memoranda: | ||
| Average total assets | $767,589,670 | 875 |
| Average earning assets | $661,505,000 | 913 |
| Average equity | $206,894,670 | 345 |
| Average total loans | $529,892,330 | 812 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7344% | 38 |
| Cost of funding earning assets | 2.2654% | 71 |
| Net interest margin | 7.4689% | 44 |
| Noninterest income to average assets | 0.7364% | 2,342 |
| Noninterest expense to average assets | 6.4091% | 173 |
| Loan and lease loss provision to assets | 4.4720% | 80 |
| Net operating income to assets | -3.7549% | 7,436 |
| Return on assets (ROA) | -3.7549% | 7,441 |
| Pretax return on assets | -3.7549% | 7,424 |
| Return on Equity (ROE) | -13.9825% | 7,130 |
| Retained earnings to average equity (ytd only) | -13.9825% | 7,014 |
| Net charge-offs to loans | 1.3426% | 1,034 |
| Credit loss provision to net charge-offs | 483.2602% | 740 |
| Earnings coverage of net charge-offs (x) | 0.7750% | 4,059 |
| Efficiency ratio | 89.9009% | 1,339 |
| Assets per employee ($millions) | 9.7532% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9223% | 986 |
| Loan loss allowance to noncurrent loans | 14.4389% | 6,933 |
| Noncurrent assets plus other real estate owned to assets | 17.9831% | 89 |
| Noncurrent loans to loans | 20.2394% | 65 |
| Net loans and leases to total assets | 66.2485% | 2,946 |
| Net loans and leases to deposits | 180.0296% | 22 |
| Net loans and leases to core deposits | 206.4005% | 72 |
| Total domestic deposits to total assets | 36.7987% | 7,516 |
| Equity capital to assets | 27.0101% | 95 |
| Core capital (leverage) ratio | 26.9500% | 94 |
| Tier 1 risk-based capital ratio | 84.8526% | 65 |
| Total risk-based capital ratio | 86.1646% | 64 |
| Memoranda: | ||
| Average total assets | $787,562,000 | 858 |
| Average earning assets | $673,778,000 | 906 |
| Average equity | $211,492,500 | 338 |
| Average total loans | $542,820,000 | 798 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6083% | 1,862 |
| Cost of funding earning assets | 2.1665% | 340 |
| Net interest margin | 3.4419% | 5,467 |
| Noninterest income to average assets | 6.4348% | 103 |
| Noninterest expense to average assets | 2.7627% | 4,731 |
| Loan and lease loss provision to assets | 0.9606% | 1,690 |
| Net operating income to assets | 5.6817% | 28 |
| Return on assets (ROA) | 13.4499% | 9 |
| Pretax return on assets | 13.4499% | 17 |
| Return on Equity (ROE) | 57.7659% | 10 |
| Retained earnings to average equity (ytd only) | 57.7659% | 4 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.3678% | 7,590 |
| Assets per employee ($millions) | 10.8733% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 4,030 |
| Loan loss allowance to noncurrent loans | 6.5447% | 7,116 |
| Noncurrent assets plus other real estate owned to assets | 18.9698% | 78 |
| Noncurrent loans to loans | 22.8800% | 56 |
| Net loans and leases to total assets | 68.5347% | 2,856 |
| Net loans and leases to deposits | 188.8410% | 25 |
| Net loans and leases to core deposits | 245.3073% | 62 |
| Total domestic deposits to total assets | 36.2923% | 7,591 |
| Equity capital to assets | 26.7047% | 104 |
| Core capital (leverage) ratio | 26.7047% | 108 |
| Tier 1 risk-based capital ratio | 81.3121% | 62 |
| Total risk-based capital ratio | 82.5858% | 62 |
| Memoranda: | ||
| Average total assets | $872,648,250 | 775 |
| Average earning assets | $753,075,000 | 809 |
| Average equity | $203,182,250 | 346 |
| Average total loans | $605,587,250 | 733 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2616% | 3,526 |
| Cost of funding earning assets | 2.0974% | 538 |
| Net interest margin | 3.1642% | 6,445 |
| Noninterest income to average assets | 7.3375% | 92 |
| Noninterest expense to average assets | 2.2049% | 6,592 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 7.8715% | 22 |
| Return on assets (ROA) | 17.9665% | 8 |
| Pretax return on assets | 17.9665% | 14 |
| Return on Equity (ROE) | 80.7176% | 6 |
| Retained earnings to average equity (ytd only) | 80.7176% | 4 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.8772% | 7,720 |
| Assets per employee ($millions) | 11.0104% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,691 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,261 |
| Noncurrent assets plus other real estate owned to assets | 21.1971% | 47 |
| Noncurrent loans to loans | 26.4552% | 23 |
| Net loans and leases to total assets | 70.4730% | 2,619 |
| Net loans and leases to deposits | 186.0904% | 25 |
| Net loans and leases to core deposits | 290.1506% | 50 |
| Total domestic deposits to total assets | 37.8703% | 7,689 |
| Equity capital to assets | 25.4013% | 132 |
| Core capital (leverage) ratio | 25.4013% | 120 |
| Tier 1 risk-based capital ratio | 79.6138% | 66 |
| Total risk-based capital ratio | 79.6138% | 68 |
| Memoranda: | ||
| Average total assets | $895,323,330 | 751 |
| Average earning assets | $774,983,330 | 788 |
| Average equity | $199,285,670 | 350 |
| Average total loans | $620,840,000 | 716 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8491% | 5,606 |
| Cost of funding earning assets | 2.0165% | 873 |
| Net interest margin | 2.8326% | 7,105 |
| Noninterest income to average assets | 9.9956% | 65 |
| Noninterest expense to average assets | 1.9177% | 7,236 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 10.5171% | 17 |
| Return on assets (ROA) | 25.3574% | 6 |
| Pretax return on assets | 25.3574% | 9 |
| Return on Equity (ROE) | 122.0201% | 5 |
| Retained earnings to average equity (ytd only) | 122.0201% | 3 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.4223% | 7,803 |
| Assets per employee ($millions) | 9.7516% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,760 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,334 |
| Noncurrent assets plus other real estate owned to assets | 17.3621% | 90 |
| Noncurrent loans to loans | 20.7712% | 75 |
| Net loans and leases to total assets | 69.9807% | 2,901 |
| Net loans and leases to deposits | 174.2726% | 30 |
| Net loans and leases to core deposits | 257.1044% | 59 |
| Total domestic deposits to total assets | 40.1559% | 7,754 |
| Equity capital to assets | 23.5233% | 159 |
| Core capital (leverage) ratio | 23.5233% | 146 |
| Tier 1 risk-based capital ratio | 70.2559% | 87 |
| Total risk-based capital ratio | 70.2559% | 88 |
| Memoranda: | ||
| Average total assets | $913,579,000 | 732 |
| Average earning assets | $786,696,000 | 776 |
| Average equity | $189,854,000 | 362 |
| Average total loans | $628,644,500 | 714 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0740% | 7,398 |
| Cost of funding earning assets | 1.7730% | 2,001 |
| Net interest margin | 2.3010% | 7,597 |
| Noninterest income to average assets | 0.1991% | 6,538 |
| Noninterest expense to average assets | 1.7126% | 7,566 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4716% | 4,528 |
| Return on assets (ROA) | 29.9367% | 5 |
| Pretax return on assets | 29.9367% | 8 |
| Return on Equity (ROE) | 165.5864% | 8 |
| Retained earnings to average equity (ytd only) | 165.5864% | 7 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4080% | 2,830 |
| Assets per employee ($millions) | 5.5773% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,860 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,410 |
| Noncurrent assets plus other real estate owned to assets | 13.3496% | 197 |
| Noncurrent loans to loans | 16.0164% | 149 |
| Net loans and leases to total assets | 67.6587% | 3,475 |
| Net loans and leases to deposits | 161.2335% | 35 |
| Net loans and leases to core deposits | 163.6598% | 172 |
| Total domestic deposits to total assets | 41.9632% | 7,853 |
| Equity capital to assets | 18.0792% | 414 |
| Core capital (leverage) ratio | 18.0792% | 369 |
| Tier 1 risk-based capital ratio | 63.0616% | 99 |
| Total risk-based capital ratio | 63.0616% | 102 |
| Memoranda: | ||
| Average total assets | $920,262,000 | 741 |
| Average earning assets | $793,912,000 | 781 |
| Average equity | $166,376,000 | 416 |
| Average total loans | $622,637,000 | 739 |