Home > Christiana Bank & Trust Company > Performance and Condition Ratios
Christiana Bank & Trust Company, Performance and Condition Ratios
| 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 | 3.4679% | 7,541 |
| Cost of funding earning assets | 0.4892% | 7,458 |
| Net interest margin | 2.9787% | 6,871 |
| Noninterest income to average assets | 2.8288% | 230 |
| Noninterest expense to average assets | 8.8828% | 97 |
| Loan and lease loss provision to assets | 1.3757% | 983 |
| Net operating income to assets | -4.9017% | 7,636 |
| Return on assets (ROA) | -4.9017% | 7,648 |
| Pretax return on assets | -4.8807% | 7,631 |
| Return on Equity (ROE) | -27.8917% | 7,354 |
| Retained earnings to average equity (ytd only) | -27.8917% | 7,345 |
| Net charge-offs to loans | 3.7287% | 350 |
| Credit loss provision to net charge-offs | 66.8510% | 5,513 |
| Earnings coverage of net charge-offs (x) | -1.7031% | 6,523 |
| Efficiency ratio | 71.3777% | 3,822 |
| Assets per employee ($millions) | 3.9111% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9048% | 2,472 |
| Loan loss allowance to noncurrent loans | 90.0328% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 1.2223% | 4,707 |
| Noncurrent loans to loans | 2.1157% | 3,553 |
| Net loans and leases to total assets | 56.6709% | 5,458 |
| Net loans and leases to deposits | 70.0754% | 5,133 |
| Net loans and leases to core deposits | 72.1794% | 5,490 |
| Total domestic deposits to total assets | 80.8712% | 5,424 |
| Equity capital to assets | 17.5129% | 459 |
| Core capital (leverage) ratio | 9.5308% | 3,857 |
| Tier 1 risk-based capital ratio | 15.5299% | 2,982 |
| Total risk-based capital ratio | 16.7884% | 2,941 |
| Memoranda: | ||
| Average total assets | $222,612,750 | 2,877 |
| Average earning assets | $190,502,000 | 3,037 |
| Average equity | $39,121,750 | 1,705 |
| Average total loans | $122,863,500 | 3,313 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4521% | 7,623 |
| Cost of funding earning assets | 0.4937% | 7,551 |
| Net interest margin | 2.9583% | 6,921 |
| Noninterest income to average assets | 2.7569% | 240 |
| Noninterest expense to average assets | 10.9548% | 68 |
| Loan and lease loss provision to assets | 1.2287% | 1,142 |
| Net operating income to assets | -7.0169% | 7,773 |
| Return on assets (ROA) | -7.0169% | 7,777 |
| Pretax return on assets | -6.9032% | 7,755 |
| Return on Equity (ROE) | -39.8881% | 7,531 |
| Retained earnings to average equity (ytd only) | -39.8881% | 7,524 |
| Net charge-offs to loans | 1.7591% | 1,062 |
| Credit loss provision to net charge-offs | 128.2865% | 3,134 |
| Earnings coverage of net charge-offs (x) | -5.9248% | 6,292 |
| Efficiency ratio | 69.9063% | 4,206 |
| Assets per employee ($millions) | 4.0054% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0185% | 805 |
| Loan loss allowance to noncurrent loans | 399.7807% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.5507% | 6,094 |
| Noncurrent loans to loans | 0.7550% | 5,758 |
| Net loans and leases to total assets | 55.1807% | 5,818 |
| Net loans and leases to deposits | 67.3307% | 5,641 |
| Net loans and leases to core deposits | 78.1859% | 4,920 |
| Total domestic deposits to total assets | 81.9547% | 5,005 |
| Equity capital to assets | 16.5035% | 596 |
| Core capital (leverage) ratio | 9.2555% | 4,199 |
| Tier 1 risk-based capital ratio | 15.4582% | 2,916 |
| Total risk-based capital ratio | 16.7315% | 2,870 |
| Memoranda: | ||
| Average total assets | $230,329,000 | 2,807 |
| Average earning assets | $196,461,670 | 2,993 |
| Average equity | $40,518,330 | 1,642 |
| Average total loans | $125,407,000 | 3,296 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2942% | 7,756 |
| Cost of funding earning assets | 0.4864% | 7,691 |
| Net interest margin | 2.8078% | 7,168 |
| Noninterest income to average assets | 2.6037% | 242 |
| Noninterest expense to average assets | 3.5713% | 1,800 |
| Loan and lease loss provision to assets | 0.6685% | 1,896 |
| Net operating income to assets | 0.4780% | 4,501 |
| Return on assets (ROA) | 0.4780% | 4,629 |
| Pretax return on assets | 0.7470% | 4,071 |
| Return on Equity (ROE) | 2.6445% | 5,507 |
| Retained earnings to average equity (ytd only) | 2.6445% | 4,559 |
| Net charge-offs to loans | 1.4219% | 1,215 |
| Credit loss provision to net charge-offs | 88.1057% | 3,705 |
| Earnings coverage of net charge-offs (x) | 1.8656% | 3,614 |
| Efficiency ratio | 69.7051% | 4,368 |
| Assets per employee ($millions) | 4.0407% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6023% | 1,173 |
| Loan loss allowance to noncurrent loans | 234.4532% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.8197% | 5,513 |
| Noncurrent loans to loans | 1.1099% | 5,138 |
| Net loans and leases to total assets | 60.7631% | 4,985 |
| Net loans and leases to deposits | 78.6299% | 3,917 |
| Net loans and leases to core deposits | 90.5466% | 3,295 |
| Total domestic deposits to total assets | 77.2774% | 6,501 |
| Equity capital to assets | 21.4827% | 229 |
| Core capital (leverage) ratio | 8.5729% | 5,251 |
| Tier 1 risk-based capital ratio | 14.7966% | 3,209 |
| Total risk-based capital ratio | 16.0643% | 3,161 |
| Memoranda: | ||
| Average total assets | $239,349,500 | 2,771 |
| Average earning assets | $203,145,000 | 2,952 |
| Average equity | $43,260,000 | 1,552 |
| Average total loans | $127,716,500 | 3,310 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6192% | 7,809 |
| Cost of funding earning assets | 0.7382% | 7,637 |
| Net interest margin | 2.8810% | 6,896 |
| Noninterest income to average assets | 2.4293% | 285 |
| Noninterest expense to average assets | 11.1796% | 83 |
| Loan and lease loss provision to assets | 1.9457% | 1,129 |
| Net operating income to assets | -8.2172% | 7,939 |
| Return on assets (ROA) | -8.2172% | 7,936 |
| Pretax return on assets | -8.4216% | 7,929 |
| Return on Equity (ROE) | -36.3997% | 7,510 |
| Retained earnings to average equity (ytd only) | -36.3997% | 7,498 |
| Net charge-offs to loans | 3.2027% | 640 |
| Credit loss provision to net charge-offs | 115.5807% | 4,712 |
| Earnings coverage of net charge-offs (x) | -3.8469% | 7,081 |
| Efficiency ratio | 69.1997% | 4,785 |
| Assets per employee ($millions) | 5.7638% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5767% | 1,141 |
| Loan loss allowance to noncurrent loans | 152.2374% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.8845% | 5,333 |
| Noncurrent loans to loans | 1.6926% | 4,105 |
| Net loans and leases to total assets | 45.5628% | 7,020 |
| Net loans and leases to deposits | 54.6293% | 7,012 |
| Net loans and leases to core deposits | 66.7707% | 6,940 |
| Total domestic deposits to total assets | 83.4036% | 4,334 |
| Equity capital to assets | 15.5847% | 771 |
| Core capital (leverage) ratio | 7.1288% | 7,133 |
| Tier 1 risk-based capital ratio | 14.2426% | 3,350 |
| Total risk-based capital ratio | 15.5118% | 3,293 |
| Memoranda: | ||
| Average total assets | $268,024,600 | 2,441 |
| Average earning assets | $211,595,800 | 2,818 |
| Average equity | $60,506,000 | 1,098 |
| Average total loans | $140,881,800 | 3,065 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8551% | 7,851 |
| Cost of funding earning assets | 0.8236% | 7,664 |
| Net interest margin | 3.0315% | 6,515 |
| Noninterest income to average assets | 2.3405% | 295 |
| Noninterest expense to average assets | 3.4062% | 2,559 |
| Loan and lease loss provision to assets | 1.6930% | 1,095 |
| Net operating income to assets | -0.2778% | 6,173 |
| Return on assets (ROA) | -0.2778% | 6,183 |
| Pretax return on assets | -0.4273% | 6,230 |
| Return on Equity (ROE) | -1.1390% | 5,958 |
| Retained earnings to average equity (ytd only) | -1.1390% | 5,528 |
| Net charge-offs to loans | 3.0904% | 523 |
| Credit loss provision to net charge-offs | 101.3205% | 5,021 |
| Earnings coverage of net charge-offs (x) | 0.7575% | 5,285 |
| Efficiency ratio | 71.0605% | 4,411 |
| Assets per employee ($millions) | 5.5336% | 1,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0693% | 1,649 |
| Loan loss allowance to noncurrent loans | 73.4487% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.3163% | 4,450 |
| Noncurrent loans to loans | 2.8173% | 2,689 |
| Net loans and leases to total assets | 45.7556% | 7,126 |
| Net loans and leases to deposits | 60.5730% | 6,778 |
| Net loans and leases to core deposits | 79.8120% | 6,370 |
| Total domestic deposits to total assets | 75.5379% | 6,671 |
| Equity capital to assets | 23.3435% | 208 |
| Core capital (leverage) ratio | 7.7825% | 6,628 |
| Tier 1 risk-based capital ratio | 12.5108% | 4,531 |
| Total risk-based capital ratio | 13.7685% | 4,480 |
| Memoranda: | ||
| Average total assets | $265,865,250 | 2,470 |
| Average earning assets | $204,467,750 | 2,926 |
| Average equity | $64,853,250 | 1,032 |
| Average total loans | $143,755,000 | 3,051 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9657% | 7,915 |
| Cost of funding earning assets | 0.9034% | 7,690 |
| Net interest margin | 3.0623% | 6,360 |
| Noninterest income to average assets | 2.3679% | 286 |
| Noninterest expense to average assets | 3.5278% | 2,261 |
| Loan and lease loss provision to assets | 1.8127% | 908 |
| Net operating income to assets | -0.4149% | 6,460 |
| Return on assets (ROA) | -0.4149% | 6,471 |
| Pretax return on assets | -0.6383% | 6,557 |
| Return on Equity (ROE) | -1.6753% | 6,172 |
| Retained earnings to average equity (ytd only) | -1.6753% | 5,666 |
| Net charge-offs to loans | 3.2184% | 496 |
| Credit loss provision to net charge-offs | 99.4145% | 4,631 |
| Earnings coverage of net charge-offs (x) | 0.6441% | 5,054 |
| Efficiency ratio | 73.1593% | 4,164 |
| Assets per employee ($millions) | 5.1301% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7095% | 2,305 |
| Loan loss allowance to noncurrent loans | 56.2554% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 1.7439% | 3,564 |
| Noncurrent loans to loans | 3.0388% | 2,370 |
| Net loans and leases to total assets | 56.4055% | 6,165 |
| Net loans and leases to deposits | 75.7573% | 5,205 |
| Net loans and leases to core deposits | 105.0724% | 3,949 |
| Total domestic deposits to total assets | 74.4554% | 6,875 |
| Equity capital to assets | 24.2149% | 223 |
| Core capital (leverage) ratio | 7.9278% | 6,444 |
| Tier 1 risk-based capital ratio | 11.1841% | 5,689 |
| Total risk-based capital ratio | 12.4386% | 5,608 |
| Memoranda: | ||
| Average total assets | $262,260,000 | 2,514 |
| Average earning assets | $199,913,000 | 3,001 |
| Average equity | $64,942,000 | 1,044 |
| Average total loans | $148,582,670 | 3,011 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9173% | 8,014 |
| Cost of funding earning assets | 0.9186% | 7,791 |
| Net interest margin | 2.9987% | 6,480 |
| Noninterest income to average assets | 2.2646% | 293 |
| Noninterest expense to average assets | 3.2830% | 2,711 |
| Loan and lease loss provision to assets | 1.3846% | 925 |
| Net operating income to assets | -0.0800% | 6,380 |
| Return on assets (ROA) | -0.0800% | 6,498 |
| Pretax return on assets | -0.1231% | 6,497 |
| Return on Equity (ROE) | -0.3194% | 6,446 |
| Retained earnings to average equity (ytd only) | -0.3194% | 5,719 |
| Net charge-offs to loans | 2.4985% | 562 |
| Credit loss provision to net charge-offs | 98.4683% | 3,834 |
| Earnings coverage of net charge-offs (x) | 0.8972% | 4,315 |
| Efficiency ratio | 70.3114% | 4,509 |
| Assets per employee ($millions) | 5.7443% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7466% | 1,989 |
| Loan loss allowance to noncurrent loans | 72.6944% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.3057% | 4,060 |
| Noncurrent loans to loans | 2.4027% | 2,748 |
| Net loans and leases to total assets | 53.3925% | 6,537 |
| Net loans and leases to deposits | 70.9153% | 5,881 |
| Net loans and leases to core deposits | 111.1299% | 3,295 |
| Total domestic deposits to total assets | 75.2905% | 6,644 |
| Equity capital to assets | 23.6062% | 260 |
| Core capital (leverage) ratio | 8.9959% | 4,720 |
| Tier 1 risk-based capital ratio | 11.4022% | 5,507 |
| Total risk-based capital ratio | 12.6563% | 5,404 |
| Memoranda: | ||
| Average total assets | $260,007,500 | 2,551 |
| Average earning assets | $197,686,000 | 3,048 |
| Average equity | $65,114,500 | 1,050 |
| Average total loans | $146,330,500 | 3,070 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4755% | 7,353 |
| Cost of funding earning assets | 1.5866% | 7,478 |
| Net interest margin | 3.8888% | 3,617 |
| Noninterest income to average assets | 3.1087% | 193 |
| Noninterest expense to average assets | 4.3010% | 1,046 |
| Loan and lease loss provision to assets | 0.7944% | 1,874 |
| Net operating income to assets | 0.6746% | 4,008 |
| Return on assets (ROA) | 0.6746% | 3,841 |
| Pretax return on assets | 1.0911% | 3,055 |
| Return on Equity (ROE) | 2.7643% | 5,318 |
| Retained earnings to average equity (ytd only) | 2.7643% | 3,461 |
| Net charge-offs to loans | 0.6556% | 1,892 |
| Credit loss provision to net charge-offs | 189.2045% | 2,613 |
| Earnings coverage of net charge-offs (x) | 4.4909% | 3,963 |
| Efficiency ratio | 67.7566% | 4,762 |
| Assets per employee ($millions) | 4.7900% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8421% | 1,545 |
| Loan loss allowance to noncurrent loans | 82.0137% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.3132% | 3,598 |
| Noncurrent loans to loans | 2.2461% | 2,450 |
| Net loans and leases to total assets | 57.3893% | 6,293 |
| Net loans and leases to deposits | 79.7222% | 5,095 |
| Net loans and leases to core deposits | 104.5170% | 4,346 |
| Total domestic deposits to total assets | 71.9867% | 6,998 |
| Equity capital to assets | 26.6653% | 225 |
| Core capital (leverage) ratio | 10.6583% | 2,856 |
| Tier 1 risk-based capital ratio | 11.8195% | 4,969 |
| Total risk-based capital ratio | 13.0740% | 4,867 |
| Memoranda: | ||
| Average total assets | $209,602,200 | 3,008 |
| Average earning assets | $165,885,600 | 3,391 |
| Average equity | $51,152,200 | 1,321 |
| Average total loans | $134,237,600 | 3,190 |