Home > Coastal Bank > Performance and Condition Ratios
Coastal Bank, Performance and Condition Ratios
| 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 | 4.4692% | 5,451 |
| Cost of funding earning assets | 1.6816% | 600 |
| Net interest margin | 2.7876% | 6,924 |
| Noninterest income to average assets | -1.7534% | 7,556 |
| Noninterest expense to average assets | 2.5798% | 5,297 |
| Loan and lease loss provision to assets | 4.8090% | 67 |
| Net operating income to assets | -4.1808% | 7,451 |
| Return on assets (ROA) | -4.1808% | 7,456 |
| Pretax return on assets | -6.7057% | 7,518 |
| Return on Equity (ROE) | -90.4652% | 7,491 |
| Retained earnings to average equity (ytd only) | -90.4652% | 7,484 |
| Net charge-offs to loans | 5.9186% | 114 |
| Credit loss provision to net charge-offs | 113.5349% | 2,365 |
| Earnings coverage of net charge-offs (x) | -0.4478% | 4,775 |
| Efficiency ratio | 377.6786% | 18 |
| Assets per employee ($millions) | 4.7937% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3679% | 321 |
| Loan loss allowance to noncurrent loans | 27.8114% | 6,417 |
| Noncurrent assets plus other real estate owned to assets | 16.2792% | 124 |
| Noncurrent loans to loans | 15.7055% | 134 |
| Net loans and leases to total assets | 67.6471% | 2,630 |
| Net loans and leases to deposits | 70.6374% | 4,251 |
| Net loans and leases to core deposits | 76.7299% | 4,203 |
| Total domestic deposits to total assets | 95.7668% | 40 |
| Equity capital to assets | 4.1544% | 7,428 |
| Core capital (leverage) ratio | 1.0576% | 7,556 |
| Tier 1 risk-based capital ratio | 1.3952% | 7,556 |
| Total risk-based capital ratio | 2.6819% | 7,556 |
| Memoranda: | ||
| Average total assets | $131,171,500 | 4,229 |
| Average earning assets | $114,650,500 | 4,334 |
| Average equity | $6,062,000 | 6,225 |
| Average total loans | $93,874,000 | 3,883 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8142% | 5,366 |
| Cost of funding earning assets | 2.0647% | 483 |
| Net interest margin | 2.7495% | 7,084 |
| Noninterest income to average assets | -0.5336% | 7,570 |
| Noninterest expense to average assets | 2.8562% | 4,389 |
| Loan and lease loss provision to assets | 3.4790% | 225 |
| Net operating income to assets | -2.7470% | 7,237 |
| Return on assets (ROA) | -2.7470% | 7,255 |
| Pretax return on assets | -4.4046% | 7,492 |
| Return on Equity (ROE) | -43.4802% | 7,379 |
| Retained earnings to average equity (ytd only) | -43.4802% | 7,373 |
| Net charge-offs to loans | 3.4733% | 414 |
| Credit loss provision to net charge-offs | 139.0331% | 2,738 |
| Earnings coverage of net charge-offs (x) | -0.3699% | 6,398 |
| Efficiency ratio | 147.9413% | 227 |
| Assets per employee ($millions) | 4.7469% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9628% | 421 |
| Loan loss allowance to noncurrent loans | 23.2368% | 6,681 |
| Noncurrent assets plus other real estate owned to assets | 17.9138% | 95 |
| Noncurrent loans to loans | 17.0541% | 108 |
| Net loans and leases to total assets | 69.5051% | 2,659 |
| Net loans and leases to deposits | 73.3342% | 4,307 |
| Net loans and leases to core deposits | 79.4889% | 4,278 |
| Total domestic deposits to total assets | 94.7786% | 63 |
| Equity capital to assets | 5.0762% | 7,427 |
| Core capital (leverage) ratio | 2.9365% | 7,562 |
| Tier 1 risk-based capital ratio | 3.8270% | 7,572 |
| Total risk-based capital ratio | 5.1084% | 7,575 |
| Memoranda: | ||
| Average total assets | $144,667,200 | 3,973 |
| Average earning assets | $129,657,600 | 4,020 |
| Average equity | $9,139,800 | 5,379 |
| Average total loans | $104,224,200 | 3,677 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7764% | 5,752 |
| Cost of funding earning assets | 2.1107% | 519 |
| Net interest margin | 2.6657% | 7,265 |
| Noninterest income to average assets | -0.4480% | 7,667 |
| Noninterest expense to average assets | 2.7496% | 4,686 |
| Loan and lease loss provision to assets | 4.2599% | 133 |
| Net operating income to assets | -3.1552% | 7,472 |
| Return on assets (ROA) | -3.1552% | 7,486 |
| Pretax return on assets | -5.0584% | 7,649 |
| Return on Equity (ROE) | -47.8252% | 7,547 |
| Retained earnings to average equity (ytd only) | -47.8252% | 7,544 |
| Net charge-offs to loans | 3.5117% | 382 |
| Credit loss provision to net charge-offs | 168.5490% | 2,214 |
| Earnings coverage of net charge-offs (x) | -0.3159% | 6,255 |
| Efficiency ratio | 140.9259% | 244 |
| Assets per employee ($millions) | 4.3298% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2676% | 292 |
| Loan loss allowance to noncurrent loans | 25.1882% | 6,629 |
| Noncurrent assets plus other real estate owned to assets | 15.8822% | 127 |
| Noncurrent loans to loans | 16.9430% | 123 |
| Net loans and leases to total assets | 67.7757% | 3,273 |
| Net loans and leases to deposits | 71.4855% | 4,915 |
| Net loans and leases to core deposits | 82.3890% | 4,186 |
| Total domestic deposits to total assets | 94.8104% | 44 |
| Equity capital to assets | 5.0594% | 7,573 |
| Core capital (leverage) ratio | 3.2377% | 7,660 |
| Tier 1 risk-based capital ratio | 4.4725% | 7,666 |
| Total risk-based capital ratio | 5.7594% | 7,668 |
| Memoranda: | ||
| Average total assets | $147,605,500 | 3,968 |
| Average earning assets | $132,845,500 | 4,009 |
| Average equity | $9,738,000 | 5,272 |
| Average total loans | $106,231,750 | 3,677 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8719% | 5,525 |
| Cost of funding earning assets | 2.1458% | 560 |
| Net interest margin | 2.7261% | 7,227 |
| Noninterest income to average assets | -0.3566% | 7,728 |
| Noninterest expense to average assets | 2.4601% | 5,876 |
| Loan and lease loss provision to assets | 0.3097% | 3,905 |
| Net operating income to assets | -0.4183% | 6,586 |
| Return on assets (ROA) | -0.4183% | 6,625 |
| Pretax return on assets | -0.6703% | 6,703 |
| Return on Equity (ROE) | -5.9011% | 6,767 |
| Retained earnings to average equity (ytd only) | -5.9011% | 6,647 |
| Net charge-offs to loans | 0.1927% | 4,454 |
| Credit loss provision to net charge-offs | 222.1154% | 1,757 |
| Earnings coverage of net charge-offs (x) | -2.5865% | 6,242 |
| Efficiency ratio | 117.1775% | 449 |
| Assets per employee ($millions) | 4.5257% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3685% | 1,476 |
| Loan loss allowance to noncurrent loans | 13.3123% | 7,185 |
| Noncurrent assets plus other real estate owned to assets | 15.8468% | 118 |
| Noncurrent loans to loans | 17.7915% | 114 |
| Net loans and leases to total assets | 69.7199% | 2,971 |
| Net loans and leases to deposits | 75.0458% | 4,509 |
| Net loans and leases to core deposits | 84.1069% | 4,128 |
| Total domestic deposits to total assets | 92.9032% | 118 |
| Equity capital to assets | 6.9703% | 7,363 |
| Core capital (leverage) ratio | 6.9703% | 7,210 |
| Tier 1 risk-based capital ratio | 9.8675% | 7,097 |
| Total risk-based capital ratio | 11.1320% | 7,070 |
| Memoranda: | ||
| Average total assets | $149,179,670 | 3,966 |
| Average earning assets | $134,404,670 | 4,014 |
| Average equity | $10,574,330 | 5,040 |
| Average total loans | $107,923,330 | 3,681 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8805% | 5,559 |
| Cost of funding earning assets | 2.2574% | 485 |
| Net interest margin | 2.6231% | 7,367 |
| Noninterest income to average assets | 0.0054% | 7,637 |
| Noninterest expense to average assets | 2.4575% | 5,884 |
| Loan and lease loss provision to assets | 0.4588% | 2,675 |
| Net operating income to assets | -0.3515% | 6,712 |
| Return on assets (ROA) | -0.3515% | 6,760 |
| Pretax return on assets | -0.5634% | 6,825 |
| Return on Equity (ROE) | -4.9172% | 6,878 |
| Retained earnings to average equity (ytd only) | -4.9172% | 6,582 |
| Net charge-offs to loans | 0.1769% | 3,862 |
| Credit loss provision to net charge-offs | 356.2500% | 1,139 |
| Earnings coverage of net charge-offs (x) | -0.8125% | 5,356 |
| Efficiency ratio | 104.4470% | 713 |
| Assets per employee ($millions) | 3.9344% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3418% | 1,511 |
| Loan loss allowance to noncurrent loans | 11.8393% | 7,293 |
| Noncurrent assets plus other real estate owned to assets | 18.1035% | 83 |
| Noncurrent loans to loans | 19.7798% | 81 |
| Net loans and leases to total assets | 70.3472% | 2,846 |
| Net loans and leases to deposits | 75.8251% | 4,446 |
| Net loans and leases to core deposits | 85.1418% | 4,023 |
| Total domestic deposits to total assets | 92.7756% | 140 |
| Equity capital to assets | 7.0839% | 7,333 |
| Core capital (leverage) ratio | 7.0839% | 7,190 |
| Tier 1 risk-based capital ratio | 9.6736% | 7,223 |
| Total risk-based capital ratio | 10.9368% | 7,207 |
| Memoranda: | ||
| Average total assets | $149,095,000 | 4,028 |
| Average earning assets | $133,429,500 | 4,091 |
| Average equity | $10,656,500 | 5,057 |
| Average total loans | $108,559,000 | 3,717 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9891% | 6,469 |
| Cost of funding earning assets | 3.0352% | 206 |
| Net interest margin | 1.9539% | 7,761 |
| Noninterest income to average assets | -0.2010% | 7,858 |
| Noninterest expense to average assets | 2.2050% | 6,984 |
| Loan and lease loss provision to assets | 1.3586% | 1,699 |
| Net operating income to assets | -1.2363% | 6,726 |
| Return on assets (ROA) | -1.2363% | 6,731 |
| Pretax return on assets | -1.9796% | 6,936 |
| Return on Equity (ROE) | -16.7470% | 7,018 |
| Retained earnings to average equity (ytd only) | -16.7470% | 6,973 |
| Net charge-offs to loans | 1.5244% | 1,641 |
| Credit loss provision to net charge-offs | 118.7465% | 4,529 |
| Earnings coverage of net charge-offs (x) | -0.5428% | 6,719 |
| Efficiency ratio | 139.2078% | 392 |
| Assets per employee ($millions) | 4.3730% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1924% | 1,666 |
| Loan loss allowance to noncurrent loans | 11.8633% | 7,333 |
| Noncurrent assets plus other real estate owned to assets | 17.4768% | 92 |
| Noncurrent loans to loans | 18.4807% | 94 |
| Net loans and leases to total assets | 71.9807% | 2,754 |
| Net loans and leases to deposits | 77.6987% | 4,439 |
| Net loans and leases to core deposits | 133.2076% | 1,099 |
| Total domestic deposits to total assets | 92.6407% | 161 |
| Equity capital to assets | 7.2113% | 7,253 |
| Core capital (leverage) ratio | 7.2113% | 7,059 |
| Tier 1 risk-based capital ratio | 9.6925% | 7,104 |
| Total risk-based capital ratio | 10.9535% | 7,074 |
| Memoranda: | ||
| Average total assets | $156,189,400 | 3,852 |
| Average earning assets | $142,692,200 | 3,846 |
| Average equity | $11,530,400 | 4,867 |
| Average total loans | $117,229,200 | 3,546 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9770% | 6,676 |
| Cost of funding earning assets | 3.1583% | 208 |
| Net interest margin | 1.8187% | 7,879 |
| Noninterest income to average assets | 0.0844% | 7,481 |
| Noninterest expense to average assets | 2.1771% | 7,029 |
| Loan and lease loss provision to assets | 0.2033% | 5,363 |
| Net operating income to assets | -0.3914% | 6,309 |
| Return on assets (ROA) | -0.3914% | 6,307 |
| Pretax return on assets | -0.6242% | 6,418 |
| Return on Equity (ROE) | -5.2730% | 6,479 |
| Retained earnings to average equity (ytd only) | -5.2730% | 6,286 |
| Net charge-offs to loans | 0.1544% | 5,173 |
| Credit loss provision to net charge-offs | 174.6377% | 2,653 |
| Earnings coverage of net charge-offs (x) | -3.6159% | 6,820 |
| Efficiency ratio | 123.9673% | 543 |
| Assets per employee ($millions) | 4.5569% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8815% | 2,082 |
| Loan loss allowance to noncurrent loans | 11.4029% | 7,426 |
| Noncurrent assets plus other real estate owned to assets | 15.4279% | 111 |
| Noncurrent loans to loans | 16.5001% | 116 |
| Net loans and leases to total assets | 72.9394% | 2,813 |
| Net loans and leases to deposits | 79.3261% | 4,505 |
| Net loans and leases to core deposits | 143.7066% | 776 |
| Total domestic deposits to total assets | 91.9488% | 186 |
| Equity capital to assets | 7.8672% | 6,973 |
| Core capital (leverage) ratio | 7.8672% | 6,546 |
| Tier 1 risk-based capital ratio | 10.5125% | 6,454 |
| Total risk-based capital ratio | 11.7699% | 6,403 |
| Memoranda: | ||
| Average total assets | $158,066,000 | 3,824 |
| Average earning assets | $145,304,750 | 3,812 |
| Average equity | $11,732,500 | 4,858 |
| Average total loans | $119,181,000 | 3,529 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0784% | 6,515 |
| Cost of funding earning assets | 3.2923% | 210 |
| Net interest margin | 1.7861% | 7,947 |
| Noninterest income to average assets | 0.1710% | 7,071 |
| Noninterest expense to average assets | 2.1972% | 7,060 |
| Loan and lease loss provision to assets | 0.1257% | 5,855 |
| Net operating income to assets | -0.3193% | 6,345 |
| Return on assets (ROA) | -0.3193% | 6,364 |
| Pretax return on assets | -0.5078% | 6,433 |
| Return on Equity (ROE) | -4.3867% | 6,531 |
| Retained earnings to average equity (ytd only) | -4.3867% | 6,202 |
| Net charge-offs to loans | 0.0199% | 6,237 |
| Credit loss provision to net charge-offs | 833.3333% | 566 |
| Earnings coverage of net charge-offs (x) | -25.3333% | 6,573 |
| Efficiency ratio | 121.0526% | 649 |
| Assets per employee ($millions) | 4.4619% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8111% | 2,015 |
| Loan loss allowance to noncurrent loans | 14.3495% | 7,383 |
| Noncurrent assets plus other real estate owned to assets | 11.7054% | 197 |
| Noncurrent loans to loans | 12.6215% | 196 |
| Net loans and leases to total assets | 72.6335% | 3,056 |
| Net loans and leases to deposits | 78.9269% | 4,715 |
| Net loans and leases to core deposits | 152.3372% | 591 |
| Total domestic deposits to total assets | 92.0262% | 207 |
| Equity capital to assets | 7.7191% | 7,050 |
| Core capital (leverage) ratio | 7.7191% | 6,725 |
| Tier 1 risk-based capital ratio | 10.4284% | 6,445 |
| Total risk-based capital ratio | 11.6850% | 6,386 |
| Memoranda: | ||
| Average total assets | $159,110,000 | 3,847 |
| Average earning assets | $146,464,000 | 3,807 |
| Average equity | $11,580,330 | 4,930 |
| Average total loans | $120,516,330 | 3,522 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1337% | 6,553 |
| Cost of funding earning assets | 3.4105% | 189 |
| Net interest margin | 1.7232% | 7,998 |
| Noninterest income to average assets | -0.0859% | 8,131 |
| Noninterest expense to average assets | 1.9981% | 7,357 |
| Loan and lease loss provision to assets | 0.1010% | 5,672 |
| Net operating income to assets | -0.3814% | 6,765 |
| Return on assets (ROA) | -0.3814% | 6,843 |
| Pretax return on assets | -0.6037% | 6,907 |
| Return on Equity (ROE) | -5.4069% | 7,012 |
| Retained earnings to average equity (ytd only) | -5.4069% | 6,613 |
| Net charge-offs to loans | 0.1252% | 3,962 |
| Credit loss provision to net charge-offs | 105.2632% | 3,601 |
| Earnings coverage of net charge-offs (x) | -5.2368% | 5,570 |
| Efficiency ratio | 133.6149% | 467 |
| Assets per employee ($millions) | 4.1328% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7157% | 2,090 |
| Loan loss allowance to noncurrent loans | 15.0664% | 7,394 |
| Noncurrent assets plus other real estate owned to assets | 10.5039% | 204 |
| Noncurrent loans to loans | 11.3875% | 203 |
| Net loans and leases to total assets | 75.3246% | 2,426 |
| Net loans and leases to deposits | 81.1986% | 4,421 |
| Net loans and leases to core deposits | 145.8020% | 873 |
| Total domestic deposits to total assets | 92.7659% | 101 |
| Equity capital to assets | 7.0692% | 7,644 |
| Core capital (leverage) ratio | 7.0692% | 7,587 |
| Tier 1 risk-based capital ratio | 9.2875% | 7,600 |
| Total risk-based capital ratio | 10.5432% | 7,571 |
| Memoranda: | ||
| Average total assets | $158,351,500 | 3,859 |
| Average earning assets | $145,315,000 | 3,844 |
| Average equity | $11,171,000 | 5,062 |
| Average total loans | $121,364,000 | 3,529 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4807% | 3,057 |
| Cost of funding earning assets | 3.6732% | 291 |
| Net interest margin | 2.8076% | 7,320 |
| Noninterest income to average assets | -0.1413% | 8,212 |
| Noninterest expense to average assets | 2.1014% | 7,234 |
| Loan and lease loss provision to assets | 4.2769% | 145 |
| Net operating income to assets | -2.4454% | 7,695 |
| Return on assets (ROA) | -2.4454% | 7,666 |
| Pretax return on assets | -3.9120% | 7,878 |
| Return on Equity (ROE) | -26.8078% | 7,899 |
| Retained earnings to average equity (ytd only) | -26.8078% | 7,847 |
| Net charge-offs to loans | 4.9496% | 104 |
| Credit loss provision to net charge-offs | 106.2815% | 5,043 |
| Earnings coverage of net charge-offs (x) | 0.0907% | 6,192 |
| Efficiency ratio | 85.2042% | 1,932 |
| Assets per employee ($millions) | 4.4349% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6867% | 1,949 |
| Loan loss allowance to noncurrent loans | 26.4141% | 6,919 |
| Noncurrent assets plus other real estate owned to assets | 6.6249% | 414 |
| Noncurrent loans to loans | 6.3857% | 512 |
| Net loans and leases to total assets | 75.3520% | 2,792 |
| Net loans and leases to deposits | 81.2069% | 4,840 |
| Net loans and leases to core deposits | 148.3952% | 917 |
| Total domestic deposits to total assets | 92.7901% | 66 |
| Equity capital to assets | 7.0401% | 7,716 |
| Core capital (leverage) ratio | 7.0401% | 7,665 |
| Tier 1 risk-based capital ratio | 9.1772% | 7,637 |
| Total risk-based capital ratio | 10.4272% | 7,598 |
| Memoranda: | ||
| Average total assets | $157,846,600 | 3,760 |
| Average earning assets | $146,604,200 | 3,713 |
| Average equity | $14,398,800 | 4,253 |
| Average total loans | $128,332,800 | 3,300 |