Home > CNLBank, Southwest Florida > Performance and Condition Ratios
CNLBank, Southwest Florida, Performance and Condition Ratios
| 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 | 5.0677% | 6,744 |
| Cost of funding earning assets | 2.2268% | 3,029 |
| Net interest margin | 2.8410% | 6,898 |
| Noninterest income to average assets | 0.0720% | 7,699 |
| Noninterest expense to average assets | 3.6377% | 1,777 |
| Loan and lease loss provision to assets | 0.0664% | 6,118 |
| Net operating income to assets | -0.6672% | 7,024 |
| Return on assets (ROA) | -0.6672% | 7,063 |
| Pretax return on assets | -1.0326% | 7,166 |
| Return on Equity (ROE) | -4.4117% | 6,926 |
| Retained earnings to average equity (ytd only) | -4.4117% | 6,475 |
| Net charge-offs to loans | 0.4052% | 2,483 |
| Credit loss provision to net charge-offs | 19.6721% | 5,077 |
| Earnings coverage of net charge-offs (x) | -2.8607% | 5,513 |
| Efficiency ratio | 136.1658% | 446 |
| Assets per employee ($millions) | 5.3490% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4730% | 788 |
| Loan loss allowance to noncurrent loans | 45.5939% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 4.3567% | 1,121 |
| Noncurrent loans to loans | 5.4240% | 965 |
| Net loans and leases to total assets | 78.3349% | 1,738 |
| Net loans and leases to deposits | 92.4677% | 2,519 |
| Net loans and leases to core deposits | 138.9194% | 1,156 |
| Total domestic deposits to total assets | 84.7160% | 3,350 |
| Equity capital to assets | 14.5522% | 1,217 |
| Core capital (leverage) ratio | 15.0933% | 948 |
| Tier 1 risk-based capital ratio | 16.5829% | 2,484 |
| Total risk-based capital ratio | 17.8389% | 2,409 |
| Memoranda: | ||
| Average total assets | $144,487,000 | 4,103 |
| Average earning assets | $132,209,000 | 4,103 |
| Average equity | $21,851,000 | 2,995 |
| Average total loans | $120,443,500 | 3,548 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2406% | 4,296 |
| Cost of funding earning assets | 2.6195% | 3,583 |
| Net interest margin | 3.6211% | 4,781 |
| Noninterest income to average assets | 0.0910% | 7,680 |
| Noninterest expense to average assets | 4.2741% | 1,078 |
| Loan and lease loss provision to assets | 1.6260% | 801 |
| Net operating income to assets | -1.6115% | 7,508 |
| Return on assets (ROA) | -1.6115% | 7,457 |
| Pretax return on assets | -2.5163% | 7,596 |
| Return on Equity (ROE) | -9.5250% | 7,245 |
| Retained earnings to average equity (ytd only) | -9.5250% | 7,031 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.3131% | 497 |
| Assets per employee ($millions) | 5.5681% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5483% | 649 |
| Loan loss allowance to noncurrent loans | 71.1013% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 3.1048% | 1,474 |
| Noncurrent loans to loans | 3.5841% | 1,406 |
| Net loans and leases to total assets | 84.4206% | 820 |
| Net loans and leases to deposits | 108.4987% | 940 |
| Net loans and leases to core deposits | 161.9503% | 534 |
| Total domestic deposits to total assets | 77.8079% | 5,772 |
| Equity capital to assets | 15.7374% | 990 |
| Core capital (leverage) ratio | 16.7907% | 725 |
| Tier 1 risk-based capital ratio | 16.6250% | 2,440 |
| Total risk-based capital ratio | 17.8885% | 2,370 |
| Memoranda: | ||
| Average total assets | $117,591,000 | 4,578 |
| Average earning assets | $106,928,000 | 4,596 |
| Average equity | $19,895,000 | 3,245 |
| Average total loans | $105,324,400 | 3,812 |