Home > COASTAL BANK AND TRUST OF FLORIDA > Performance and Condition Ratios
COASTAL BANK AND TRUST OF FLORIDA, Performance and Condition Ratios
| 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 | 4.9230% | 5,344 |
| Cost of funding earning assets | 1.2406% | 5,172 |
| Net interest margin | 3.6824% | 4,341 |
| Noninterest income to average assets | 0.3520% | 5,323 |
| Noninterest expense to average assets | 2.2434% | 6,570 |
| Loan and lease loss provision to assets | 4.3430% | 188 |
| Net operating income to assets | -2.9923% | 7,640 |
| Return on assets (ROA) | -2.9923% | 7,636 |
| Pretax return on assets | -2.8670% | 7,582 |
| Return on Equity (ROE) | -34.9406% | 7,617 |
| Retained earnings to average equity (ytd only) | -34.9406% | 7,597 |
| Net charge-offs to loans | 4.5897% | 276 |
| Credit loss provision to net charge-offs | 115.2976% | 3,022 |
| Earnings coverage of net charge-offs (x) | 0.3918% | 4,683 |
| Efficiency ratio | 60.3161% | 6,112 |
| Assets per employee ($millions) | 8.2562% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9076% | 892 |
| Loan loss allowance to noncurrent loans | 33.5217% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 8.0028% | 614 |
| Noncurrent loans to loans | 8.6737% | 583 |
| Net loans and leases to total assets | 79.8574% | 862 |
| Net loans and leases to deposits | 94.8162% | 1,254 |
| Net loans and leases to core deposits | 141.9981% | 308 |
| Total domestic deposits to total assets | 84.2234% | 4,034 |
| Equity capital to assets | 8.9599% | 5,334 |
| Core capital (leverage) ratio | 8.6249% | 5,163 |
| Tier 1 risk-based capital ratio | 10.0912% | 6,967 |
| Total risk-based capital ratio | 11.3607% | 6,943 |
| Memoranda: | ||
| Average total assets | $1,755,572,500 | 407 |
| Average earning assets | $1,605,354,500 | 397 |
| Average equity | $150,346,500 | 457 |
| Average total loans | $1,440,788,000 | 341 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3073% | 5,143 |
| Cost of funding earning assets | 1.4854% | 5,569 |
| Net interest margin | 3.8219% | 3,611 |
| Noninterest income to average assets | -0.1141% | 7,811 |
| Noninterest expense to average assets | 2.1996% | 6,997 |
| Loan and lease loss provision to assets | 5.4830% | 148 |
| Net operating income to assets | -3.6772% | 7,551 |
| Return on assets (ROA) | -3.6242% | 7,541 |
| Pretax return on assets | -4.2264% | 7,577 |
| Return on Equity (ROE) | -39.6297% | 7,565 |
| Retained earnings to average equity (ytd only) | -39.6297% | 7,549 |
| Net charge-offs to loans | 5.9529% | 175 |
| Credit loss provision to net charge-offs | 109.0318% | 5,067 |
| Earnings coverage of net charge-offs (x) | 0.2376% | 5,891 |
| Efficiency ratio | 57.2921% | 6,864 |
| Assets per employee ($millions) | 8.3837% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6749% | 1,043 |
| Loan loss allowance to noncurrent loans | 54.3308% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 4.8254% | 1,299 |
| Noncurrent loans to loans | 4.9233% | 1,384 |
| Net loans and leases to total assets | 79.7038% | 1,046 |
| Net loans and leases to deposits | 93.7195% | 1,637 |
| Net loans and leases to core deposits | 111.5534% | 2,742 |
| Total domestic deposits to total assets | 85.0450% | 3,529 |
| Equity capital to assets | 8.1777% | 6,366 |
| Core capital (leverage) ratio | 7.9372% | 6,276 |
| Tier 1 risk-based capital ratio | 9.1431% | 7,402 |
| Total risk-based capital ratio | 10.4092% | 7,406 |
| Memoranda: | ||
| Average total assets | $1,807,816,800 | 394 |
| Average earning assets | $1,659,634,800 | 390 |
| Average equity | $165,328,200 | 420 |
| Average total loans | $1,527,193,200 | 330 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3324% | 5,261 |
| Cost of funding earning assets | 1.5409% | 5,670 |
| Net interest margin | 3.7915% | 3,691 |
| Noninterest income to average assets | 0.0286% | 7,738 |
| Noninterest expense to average assets | 2.0352% | 7,321 |
| Loan and lease loss provision to assets | 5.0531% | 166 |
| Net operating income to assets | -3.3810% | 7,667 |
| Return on assets (ROA) | -3.3033% | 7,658 |
| Pretax return on assets | -3.4879% | 7,611 |
| Return on Equity (ROE) | -35.2089% | 7,702 |
| Retained earnings to average equity (ytd only) | -35.2089% | 7,693 |
| Net charge-offs to loans | 5.5801% | 172 |
| Credit loss provision to net charge-offs | 106.4007% | 4,781 |
| Earnings coverage of net charge-offs (x) | 0.3123% | 5,711 |
| Efficiency ratio | 57.8409% | 6,737 |
| Assets per employee ($millions) | 8.1956% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3430% | 1,244 |
| Loan loss allowance to noncurrent loans | 39.5557% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 5.9089% | 924 |
| Noncurrent loans to loans | 5.9232% | 1,007 |
| Net loans and leases to total assets | 82.0839% | 796 |
| Net loans and leases to deposits | 100.8277% | 1,034 |
| Net loans and leases to core deposits | 123.0805% | 1,988 |
| Total domestic deposits to total assets | 81.4101% | 4,915 |
| Equity capital to assets | 9.0466% | 5,420 |
| Core capital (leverage) ratio | 8.4678% | 5,547 |
| Tier 1 risk-based capital ratio | 9.8640% | 7,088 |
| Total risk-based capital ratio | 11.1263% | 7,039 |
| Memoranda: | ||
| Average total assets | $1,815,436,750 | 402 |
| Average earning assets | $1,671,046,000 | 397 |
| Average equity | $170,324,000 | 414 |
| Average total loans | $1,545,106,750 | 341 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3329% | 5,486 |
| Cost of funding earning assets | 1.6031% | 5,736 |
| Net interest margin | 3.7297% | 3,833 |
| Noninterest income to average assets | 0.4575% | 4,801 |
| Noninterest expense to average assets | 1.9399% | 7,570 |
| Loan and lease loss provision to assets | 3.2839% | 446 |
| Net operating income to assets | -0.8022% | 6,833 |
| Return on assets (ROA) | -0.8022% | 6,834 |
| Pretax return on assets | -1.3322% | 7,006 |
| Return on Equity (ROE) | -8.4528% | 6,927 |
| Retained earnings to average equity (ytd only) | -8.4528% | 6,716 |
| Net charge-offs to loans | 2.4712% | 707 |
| Credit loss provision to net charge-offs | 155.5130% | 2,957 |
| Earnings coverage of net charge-offs (x) | 0.9243% | 4,839 |
| Efficiency ratio | 49.8484% | 7,682 |
| Assets per employee ($millions) | 8.2015% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6195% | 807 |
| Loan loss allowance to noncurrent loans | 52.9995% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 4.9393% | 1,087 |
| Noncurrent loans to loans | 4.9425% | 1,248 |
| Net loans and leases to total assets | 84.2560% | 597 |
| Net loans and leases to deposits | 107.0686% | 700 |
| Net loans and leases to core deposits | 136.6748% | 1,178 |
| Total domestic deposits to total assets | 78.6935% | 5,901 |
| Equity capital to assets | 9.1687% | 5,067 |
| Core capital (leverage) ratio | 8.6613% | 5,163 |
| Tier 1 risk-based capital ratio | 9.3609% | 7,502 |
| Total risk-based capital ratio | 10.6264% | 7,466 |
| Memoranda: | ||
| Average total assets | $1,830,502,330 | 408 |
| Average earning assets | $1,685,437,670 | 401 |
| Average equity | $173,716,670 | 409 |
| Average total loans | $1,564,161,000 | 350 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4036% | 5,409 |
| Cost of funding earning assets | 1.7178% | 5,524 |
| Net interest margin | 3.6858% | 3,963 |
| Noninterest income to average assets | 0.5463% | 3,958 |
| Noninterest expense to average assets | 1.7629% | 7,746 |
| Loan and lease loss provision to assets | 1.3741% | 933 |
| Net operating income to assets | 0.5192% | 4,343 |
| Return on assets (ROA) | 0.5192% | 4,528 |
| Pretax return on assets | 0.8047% | 4,064 |
| Return on Equity (ROE) | 5.3799% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.3799% | 2,920 |
| Net charge-offs to loans | 1.0745% | 1,266 |
| Credit loss provision to net charge-offs | 150.6105% | 2,768 |
| Earnings coverage of net charge-offs (x) | 2.3881% | 3,536 |
| Efficiency ratio | 44.7246% | 7,902 |
| Assets per employee ($millions) | 7.6626% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1131% | 1,205 |
| Loan loss allowance to noncurrent loans | 46.1142% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 4.4949% | 1,073 |
| Noncurrent loans to loans | 4.5823% | 1,241 |
| Net loans and leases to total assets | 84.4741% | 624 |
| Net loans and leases to deposits | 103.8775% | 1,013 |
| Net loans and leases to core deposits | 136.4731% | 1,271 |
| Total domestic deposits to total assets | 81.3209% | 4,827 |
| Equity capital to assets | 9.8709% | 4,155 |
| Core capital (leverage) ratio | 9.2883% | 4,262 |
| Tier 1 risk-based capital ratio | 9.9820% | 6,945 |
| Total risk-based capital ratio | 11.2409% | 6,837 |
| Memoranda: | ||
| Average total assets | $1,831,290,000 | 407 |
| Average earning assets | $1,687,036,000 | 403 |
| Average equity | $176,731,000 | 407 |
| Average total loans | $1,555,025,000 | 352 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2129% | 4,446 |
| Cost of funding earning assets | 2.4541% | 4,451 |
| Net interest margin | 3.7588% | 4,185 |
| Noninterest income to average assets | -0.1559% | 8,216 |
| Noninterest expense to average assets | 1.8911% | 7,632 |
| Loan and lease loss provision to assets | 2.4280% | 435 |
| Net operating income to assets | -0.6147% | 7,015 |
| Return on assets (ROA) | -0.6147% | 6,910 |
| Pretax return on assets | -1.0039% | 7,002 |
| Return on Equity (ROE) | -6.7726% | 7,026 |
| Retained earnings to average equity (ytd only) | -15.5066% | 7,490 |
| Net charge-offs to loans | 2.2969% | 446 |
| Credit loss provision to net charge-offs | 124.1066% | 4,316 |
| Earnings coverage of net charge-offs (x) | 0.7279% | 5,785 |
| Efficiency ratio | 57.0430% | 6,862 |
| Assets per employee ($millions) | 6.3329% | 972 |
| Cash dividends to net income (ytd only)* | -128.9619% | 8,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9744% | 1,274 |
| Loan loss allowance to noncurrent loans | 73.9636% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 2.7719% | 1,703 |
| Noncurrent loans to loans | 2.6694% | 2,034 |
| Net loans and leases to total assets | 81.9261% | 1,243 |
| Net loans and leases to deposits | 102.6506% | 1,514 |
| Net loans and leases to core deposits | 139.5577% | 1,291 |
| Total domestic deposits to total assets | 79.8106% | 5,099 |
| Equity capital to assets | 9.4376% | 4,774 |
| Core capital (leverage) ratio | 8.8610% | 4,955 |
| Tier 1 risk-based capital ratio | 9.8956% | 6,857 |
| Total risk-based capital ratio | 11.1513% | 6,730 |
| Memoranda: | ||
| Average total assets | $1,850,855,600 | 386 |
| Average earning assets | $1,709,167,200 | 381 |
| Average equity | $167,986,600 | 421 |
| Average total loans | $1,576,459,600 | 335 |