Home > Charter Oak Bank > Performance and Condition Ratios
Charter Oak 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 | 5.8171% | 1,234 |
| Cost of funding earning assets | 0.9224% | 6,068 |
| Net interest margin | 4.8946% | 555 |
| Noninterest income to average assets | 0.5902% | 3,536 |
| Noninterest expense to average assets | 4.0926% | 1,035 |
| Loan and lease loss provision to assets | 9.7035% | 8 |
| Net operating income to assets | -9.6207% | 7,637 |
| Return on assets (ROA) | -9.6207% | 7,638 |
| Pretax return on assets | -8.7478% | 7,630 |
| Return on Equity (ROE) | -175.5710% | 7,642 |
| Retained earnings to average equity (ytd only) | -175.5710% | 7,642 |
| Net charge-offs to loans | 8.8173% | 25 |
| Credit loss provision to net charge-offs | 124.5197% | 3,308 |
| Earnings coverage of net charge-offs (x) | 0.1226% | 5,999 |
| Efficiency ratio | 81.0682% | 2,281 |
| Assets per employee ($millions) | 4.4753% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3335% | 156 |
| Loan loss allowance to noncurrent loans | 63.5523% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 7.4317% | 708 |
| Noncurrent loans to loans | 8.3923% | 595 |
| Net loans and leases to total assets | 83.8314% | 315 |
| Net loans and leases to deposits | 96.1893% | 853 |
| Net loans and leases to core deposits | 108.3797% | 1,022 |
| Total domestic deposits to total assets | 87.1525% | 2,744 |
| Equity capital to assets | 0.4858% | 7,642 |
| Core capital (leverage) ratio | 0.4380% | 7,643 |
| Tier 1 risk-based capital ratio | 0.5285% | 7,643 |
| Total risk-based capital ratio | 1.0570% | 7,643 |
| Memoranda: | ||
| Average total assets | $137,589,400 | 4,102 |
| Average earning assets | $125,321,000 | 4,122 |
| Average equity | $7,539,400 | 5,862 |
| Average total loans | $121,601,600 | 3,286 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8972% | 1,137 |
| Cost of funding earning assets | 0.9531% | 6,160 |
| Net interest margin | 4.9442% | 498 |
| Noninterest income to average assets | 0.4016% | 4,944 |
| Noninterest expense to average assets | 3.8858% | 1,225 |
| Loan and lease loss provision to assets | 8.4007% | 12 |
| Net operating income to assets | -8.5408% | 7,734 |
| Return on assets (ROA) | -8.5408% | 7,735 |
| Pretax return on assets | -7.4114% | 7,721 |
| Return on Equity (ROE) | -130.5204% | 7,717 |
| Retained earnings to average equity (ytd only) | -130.5204% | 7,717 |
| Net charge-offs to loans | 8.7981% | 32 |
| Credit loss provision to net charge-offs | 108.0823% | 3,943 |
| Earnings coverage of net charge-offs (x) | 0.1273% | 5,895 |
| Efficiency ratio | 79.7068% | 2,387 |
| Assets per employee ($millions) | 4.6774% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2478% | 670 |
| Loan loss allowance to noncurrent loans | 38.0097% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 7.2674% | 734 |
| Noncurrent loans to loans | 8.5447% | 580 |
| Net loans and leases to total assets | 82.2899% | 462 |
| Net loans and leases to deposits | 96.7388% | 906 |
| Net loans and leases to core deposits | 117.1833% | 712 |
| Total domestic deposits to total assets | 85.0641% | 3,592 |
| Equity capital to assets | 3.4944% | 7,664 |
| Core capital (leverage) ratio | 3.3497% | 7,653 |
| Tier 1 risk-based capital ratio | 3.7889% | 7,692 |
| Total risk-based capital ratio | 5.0463% | 7,692 |
| Memoranda: | ||
| Average total assets | $141,778,500 | 4,084 |
| Average earning assets | $128,283,000 | 4,105 |
| Average equity | $9,277,500 | 5,410 |
| Average total loans | $125,251,250 | 3,258 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9618% | 1,036 |
| Cost of funding earning assets | 0.9936% | 6,173 |
| Net interest margin | 4.9681% | 454 |
| Noninterest income to average assets | 0.3991% | 4,925 |
| Noninterest expense to average assets | 3.7352% | 1,488 |
| Loan and lease loss provision to assets | 9.6647% | 9 |
| Net operating income to assets | -10.2001% | 7,807 |
| Return on assets (ROA) | -10.2001% | 7,808 |
| Pretax return on assets | -8.5299% | 7,794 |
| Return on Equity (ROE) | -135.9592% | 7,772 |
| Retained earnings to average equity (ytd only) | -135.9592% | 7,772 |
| Net charge-offs to loans | 4.5229% | 255 |
| Credit loss provision to net charge-offs | 239.0781% | 1,609 |
| Earnings coverage of net charge-offs (x) | 0.2807% | 5,447 |
| Efficiency ratio | 76.6990% | 2,951 |
| Assets per employee ($millions) | 4.6490% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5884% | 126 |
| Loan loss allowance to noncurrent loans | 104.8131% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 4.8713% | 1,333 |
| Noncurrent loans to loans | 5.3318% | 1,255 |
| Net loans and leases to total assets | 86.2586% | 212 |
| Net loans and leases to deposits | 102.6572% | 558 |
| Net loans and leases to core deposits | 125.3258% | 532 |
| Total domestic deposits to total assets | 84.0258% | 4,099 |
| Equity capital to assets | 4.6426% | 7,657 |
| Core capital (leverage) ratio | 4.6066% | 7,648 |
| Tier 1 risk-based capital ratio | 4.7904% | 7,714 |
| Total risk-based capital ratio | 6.0902% | 7,713 |
| Memoranda: | ||
| Average total assets | $143,822,670 | 4,062 |
| Average earning assets | $129,425,000 | 4,102 |
| Average equity | $10,790,000 | 4,976 |
| Average total loans | $128,545,000 | 3,226 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9278% | 1,133 |
| Cost of funding earning assets | 1.0361% | 6,191 |
| Net interest margin | 4.8916% | 527 |
| Noninterest income to average assets | 0.3863% | 5,028 |
| Noninterest expense to average assets | 3.7562% | 1,403 |
| Loan and lease loss provision to assets | 5.5206% | 129 |
| Net operating income to assets | -4.5315% | 7,751 |
| Return on assets (ROA) | -4.5315% | 7,758 |
| Pretax return on assets | -4.5315% | 7,728 |
| Return on Equity (ROE) | -51.0987% | 7,711 |
| Retained earnings to average equity (ytd only) | -51.0987% | 7,701 |
| Net charge-offs to loans | 3.8201% | 359 |
| Credit loss provision to net charge-offs | 163.4225% | 2,220 |
| Earnings coverage of net charge-offs (x) | 0.2928% | 4,782 |
| Efficiency ratio | 79.1570% | 2,692 |
| Assets per employee ($millions) | 4.3319% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0117% | 812 |
| Loan loss allowance to noncurrent loans | 63.6334% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 4.3760% | 1,555 |
| Noncurrent loans to loans | 4.7329% | 1,559 |
| Net loans and leases to total assets | 89.6747% | 77 |
| Net loans and leases to deposits | 106.8205% | 392 |
| Net loans and leases to core deposits | 131.3930% | 454 |
| Total domestic deposits to total assets | 83.9489% | 4,169 |
| Equity capital to assets | 8.7556% | 5,639 |
| Core capital (leverage) ratio | 8.3068% | 5,726 |
| Tier 1 risk-based capital ratio | 8.4604% | 7,563 |
| Total risk-based capital ratio | 9.7284% | 7,580 |
| Memoranda: | ||
| Average total assets | $145,999,500 | 4,096 |
| Average earning assets | $130,099,500 | 4,149 |
| Average equity | $12,947,500 | 4,487 |
| Average total loans | $129,105,000 | 3,271 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9723% | 1,978 |
| Cost of funding earning assets | 1.2254% | 6,569 |
| Net interest margin | 4.7469% | 769 |
| Noninterest income to average assets | 0.3304% | 5,722 |
| Noninterest expense to average assets | 3.4506% | 2,527 |
| Loan and lease loss provision to assets | 3.6380% | 416 |
| Net operating income to assets | -2.4793% | 7,261 |
| Return on assets (ROA) | -2.4793% | 7,261 |
| Pretax return on assets | -2.4787% | 7,139 |
| Return on Equity (ROE) | -21.8916% | 7,203 |
| Retained earnings to average equity (ytd only) | -21.8916% | 7,174 |
| Net charge-offs to loans | 3.1222% | 658 |
| Credit loss provision to net charge-offs | 131.3899% | 3,854 |
| Earnings coverage of net charge-offs (x) | 0.4187% | 5,684 |
| Efficiency ratio | 74.8522% | 3,735 |
| Assets per employee ($millions) | 4.6478% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3677% | 1,390 |
| Loan loss allowance to noncurrent loans | 58.1382% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 3.4529% | 1,946 |
| Noncurrent loans to loans | 4.0725% | 1,815 |
| Net loans and leases to total assets | 82.7780% | 568 |
| Net loans and leases to deposits | 99.1171% | 985 |
| Net loans and leases to core deposits | 155.1691% | 412 |
| Total domestic deposits to total assets | 83.5153% | 4,273 |
| Equity capital to assets | 8.9699% | 5,191 |
| Core capital (leverage) ratio | 8.6748% | 4,965 |
| Tier 1 risk-based capital ratio | 9.1312% | 7,411 |
| Total risk-based capital ratio | 10.3915% | 7,418 |
| Memoranda: | ||
| Average total assets | $146,813,000 | 4,002 |
| Average earning assets | $132,360,600 | 4,041 |
| Average equity | $16,627,400 | 3,752 |
| Average total loans | $130,197,000 | 3,266 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0077% | 2,002 |
| Cost of funding earning assets | 1.2340% | 6,786 |
| Net interest margin | 4.7737% | 721 |
| Noninterest income to average assets | 0.3187% | 5,931 |
| Noninterest expense to average assets | 3.5562% | 2,130 |
| Loan and lease loss provision to assets | 1.0387% | 1,849 |
| Net operating income to assets | 0.0413% | 5,625 |
| Return on assets (ROA) | 0.0413% | 5,660 |
| Pretax return on assets | 0.0478% | 5,614 |
| Return on Equity (ROE) | 0.3459% | 5,674 |
| Retained earnings to average equity (ytd only) | 0.3459% | 5,055 |
| Net charge-offs to loans | 0.4197% | 3,584 |
| Credit loss provision to net charge-offs | 275.8537% | 1,535 |
| Earnings coverage of net charge-offs (x) | 2.8854% | 3,782 |
| Efficiency ratio | 76.5974% | 3,401 |
| Assets per employee ($millions) | 4.8187% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9022% | 2,024 |
| Loan loss allowance to noncurrent loans | 86.4088% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 1.8943% | 3,517 |
| Noncurrent loans to loans | 2.2014% | 3,377 |
| Net loans and leases to total assets | 84.4155% | 496 |
| Net loans and leases to deposits | 105.6876% | 665 |
| Net loans and leases to core deposits | 169.0722% | 276 |
| Total domestic deposits to total assets | 79.8726% | 5,483 |
| Equity capital to assets | 11.3186% | 2,729 |
| Core capital (leverage) ratio | 11.6995% | 1,968 |
| Tier 1 risk-based capital ratio | 11.5998% | 5,339 |
| Total risk-based capital ratio | 12.8553% | 5,275 |
| Memoranda: | ||
| Average total assets | $145,171,500 | 4,056 |
| Average earning assets | $131,495,250 | 4,078 |
| Average equity | $17,344,750 | 3,639 |
| Average total loans | $130,235,500 | 3,301 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0247% | 2,075 |
| Cost of funding earning assets | 1.2837% | 6,860 |
| Net interest margin | 4.7410% | 743 |
| Noninterest income to average assets | 0.3264% | 5,899 |
| Noninterest expense to average assets | 3.6325% | 1,996 |
| Loan and lease loss provision to assets | 1.1832% | 1,455 |
| Net operating income to assets | -0.1871% | 6,167 |
| Return on assets (ROA) | -0.1871% | 6,194 |
| Pretax return on assets | -0.1871% | 6,108 |
| Return on Equity (ROE) | -1.5368% | 6,152 |
| Retained earnings to average equity (ytd only) | -1.5368% | 5,628 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4802% | 3,279 |
| Assets per employee ($millions) | 4.6241% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9591% | 1,657 |
| Loan loss allowance to noncurrent loans | 119.5298% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 1.5431% | 3,915 |
| Noncurrent loans to loans | 1.6390% | 4,038 |
| Net loans and leases to total assets | 92.3033% | 48 |
| Net loans and leases to deposits | 118.6256% | 262 |
| Net loans and leases to core deposits | 182.3224% | 201 |
| Total domestic deposits to total assets | 77.8106% | 6,129 |
| Equity capital to assets | 12.0176% | 2,193 |
| Core capital (leverage) ratio | 11.9640% | 1,847 |
| Tier 1 risk-based capital ratio | 11.4129% | 5,480 |
| Total risk-based capital ratio | 12.6690% | 5,387 |
| Memoranda: | ||
| Average total assets | $142,162,670 | 4,137 |
| Average earning assets | $129,002,330 | 4,156 |
| Average equity | $17,308,670 | 3,660 |
| Average total loans | $129,417,000 | 3,351 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8536% | 3,021 |
| Cost of funding earning assets | 1.3291% | 6,934 |
| Net interest margin | 4.5245% | 1,078 |
| Noninterest income to average assets | 0.3391% | 5,743 |
| Noninterest expense to average assets | 3.5714% | 1,924 |
| Loan and lease loss provision to assets | 0.2741% | 3,773 |
| Net operating income to assets | 0.3475% | 5,080 |
| Return on assets (ROA) | 0.3475% | 5,263 |
| Pretax return on assets | 0.5623% | 4,874 |
| Return on Equity (ROE) | 2.8358% | 5,431 |
| Retained earnings to average equity (ytd only) | 2.8358% | 4,295 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0256% | 2,672 |
| Assets per employee ($millions) | 4.8876% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 3,159 |
| Loan loss allowance to noncurrent loans | 51.7721% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 2.5016% | 2,298 |
| Noncurrent loans to loans | 2.8328% | 2,311 |
| Net loans and leases to total assets | 87.0107% | 337 |
| Net loans and leases to deposits | 111.3747% | 551 |
| Net loans and leases to core deposits | 165.4739% | 418 |
| Total domestic deposits to total assets | 78.1242% | 5,968 |
| Equity capital to assets | 11.8906% | 2,332 |
| Core capital (leverage) ratio | 12.2866% | 1,769 |
| Tier 1 risk-based capital ratio | 11.6915% | 5,216 |
| Total risk-based capital ratio | 12.9421% | 5,133 |
| Memoranda: | ||
| Average total assets | $141,570,000 | 4,159 |
| Average earning assets | $127,305,500 | 4,211 |
| Average equity | $17,349,500 | 3,663 |
| Average total loans | $126,646,000 | 3,434 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5478% | 2,730 |
| Cost of funding earning assets | 1.7282% | 7,194 |
| Net interest margin | 4.8197% | 749 |
| Noninterest income to average assets | 0.3482% | 5,953 |
| Noninterest expense to average assets | 3.7027% | 1,952 |
| Loan and lease loss provision to assets | 0.9321% | 1,590 |
| Net operating income to assets | 0.9709% | 2,686 |
| Return on assets (ROA) | 0.9709% | 2,567 |
| Pretax return on assets | 0.0728% | 6,005 |
| Return on Equity (ROE) | 7.0651% | 3,496 |
| Retained earnings to average equity (ytd only) | 7.0651% | 1,130 |
| Net charge-offs to loans | 0.3056% | 3,359 |
| Credit loss provision to net charge-offs | 346.7692% | 1,301 |
| Earnings coverage of net charge-offs (x) | 3.7385% | 4,235 |
| Efficiency ratio | 78.6543% | 2,812 |
| Assets per employee ($millions) | 4.7073% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 2,890 |
| Loan loss allowance to noncurrent loans | 48.7825% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 2.7075% | 1,744 |
| Noncurrent loans to loans | 2.9852% | 1,798 |
| Net loans and leases to total assets | 89.3753% | 245 |
| Net loans and leases to deposits | 113.8028% | 617 |
| Net loans and leases to core deposits | 151.0505% | 817 |
| Total domestic deposits to total assets | 78.5352% | 5,531 |
| Equity capital to assets | 12.6465% | 1,944 |
| Core capital (leverage) ratio | 12.8562% | 1,590 |
| Tier 1 risk-based capital ratio | 12.2392% | 4,640 |
| Total risk-based capital ratio | 13.4969% | 4,523 |
| Memoranda: | ||
| Average total assets | $120,912,600 | 4,496 |
| Average earning assets | $109,364,200 | 4,526 |
| Average equity | $16,617,000 | 3,803 |
| Average total loans | $106,360,800 | 3,782 |