Home > Coastal Community Bank > Performance and Condition Ratios
Coastal Community Bank, Performance and Condition Ratios
| 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 | 4.5268% | 6,646 |
| Cost of funding earning assets | 2.1320% | 591 |
| Net interest margin | 2.3948% | 7,481 |
| Noninterest income to average assets | 0.4275% | 4,697 |
| Noninterest expense to average assets | 3.6553% | 1,657 |
| Loan and lease loss provision to assets | 1.1588% | 1,230 |
| Net operating income to assets | -2.3473% | 7,384 |
| Return on assets (ROA) | -2.3473% | 7,400 |
| Pretax return on assets | -2.3473% | 7,333 |
| Return on Equity (ROE) | -114.6717% | 7,752 |
| Retained earnings to average equity (ytd only) | -114.6717% | 7,752 |
| Net charge-offs to loans | 3.5739% | 405 |
| Credit loss provision to net charge-offs | 42.2463% | 5,569 |
| Earnings coverage of net charge-offs (x) | -0.4333% | 5,997 |
| Efficiency ratio | 148.1814% | 217 |
| Assets per employee ($millions) | 3.5277% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3309% | 627 |
| Loan loss allowance to noncurrent loans | 13.5914% | 7,179 |
| Noncurrent assets plus other real estate owned to assets | 23.3439% | 31 |
| Noncurrent loans to loans | 24.5073% | 33 |
| Net loans and leases to total assets | 70.8887% | 2,690 |
| Net loans and leases to deposits | 72.3166% | 4,942 |
| Net loans and leases to core deposits | 75.9478% | 5,199 |
| Total domestic deposits to total assets | 98.0255% | 6 |
| Equity capital to assets | 1.4338% | 7,807 |
| Core capital (leverage) ratio | 1.2760% | 7,804 |
| Tier 1 risk-based capital ratio | 1.6682% | 7,808 |
| Total risk-based capital ratio | 2.9418% | 7,808 |
| Memoranda: | ||
| Average total assets | $370,042,670 | 1,809 |
| Average earning assets | $315,104,330 | 1,928 |
| Average equity | $7,574,670 | 5,934 |
| Average total loans | $284,005,670 | 1,609 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 6,787 |
| Cost of funding earning assets | 2.2234% | 547 |
| Net interest margin | 2.2781% | 7,607 |
| Noninterest income to average assets | 0.2107% | 6,454 |
| Noninterest expense to average assets | 3.4231% | 2,171 |
| Loan and lease loss provision to assets | 0.4248% | 2,834 |
| Net operating income to assets | -1.6826% | 7,382 |
| Return on assets (ROA) | -1.6826% | 7,384 |
| Pretax return on assets | -1.6826% | 7,311 |
| Return on Equity (ROE) | -71.2107% | 7,770 |
| Retained earnings to average equity (ytd only) | -71.2107% | 7,763 |
| Net charge-offs to loans | 7.0429% | 135 |
| Credit loss provision to net charge-offs | 7.6817% | 5,074 |
| Earnings coverage of net charge-offs (x) | -0.2275% | 5,174 |
| Efficiency ratio | 158.0938% | 182 |
| Assets per employee ($millions) | 3.4850% | 5,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6405% | 1,137 |
| Loan loss allowance to noncurrent loans | 12.1456% | 7,289 |
| Noncurrent assets plus other real estate owned to assets | 22.1961% | 41 |
| Noncurrent loans to loans | 21.7404% | 63 |
| Net loans and leases to total assets | 73.9229% | 1,991 |
| Net loans and leases to deposits | 75.8865% | 4,438 |
| Net loans and leases to core deposits | 81.3435% | 4,576 |
| Total domestic deposits to total assets | 97.4124% | 19 |
| Equity capital to assets | 2.1336% | 7,884 |
| Core capital (leverage) ratio | 2.0328% | 7,880 |
| Tier 1 risk-based capital ratio | 2.6031% | 7,886 |
| Total risk-based capital ratio | 3.8691% | 7,887 |
| Memoranda: | ||
| Average total assets | $366,329,500 | 1,870 |
| Average earning assets | $314,292,000 | 1,988 |
| Average equity | $8,656,000 | 5,644 |
| Average total loans | $287,607,000 | 1,640 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7732% | 2,768 |
| Cost of funding earning assets | 2.9493% | 263 |
| Net interest margin | 2.8239% | 7,020 |
| Noninterest income to average assets | 0.1560% | 6,953 |
| Noninterest expense to average assets | 4.6433% | 688 |
| Loan and lease loss provision to assets | 4.3322% | 283 |
| Net operating income to assets | -6.3953% | 7,855 |
| Return on assets (ROA) | -6.2535% | 7,839 |
| Pretax return on assets | -6.2535% | 7,823 |
| Return on Equity (ROE) | -90.7866% | 7,904 |
| Retained earnings to average equity (ytd only) | -90.7866% | 7,902 |
| Net charge-offs to loans | 2.3933% | 955 |
| Credit loss provision to net charge-offs | 224.8569% | 1,666 |
| Earnings coverage of net charge-offs (x) | -1.0708% | 6,891 |
| Efficiency ratio | 148.1960% | 328 |
| Assets per employee ($millions) | 3.3006% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1601% | 327 |
| Loan loss allowance to noncurrent loans | 24.6136% | 6,824 |
| Noncurrent assets plus other real estate owned to assets | 18.3259% | 78 |
| Noncurrent loans to loans | 16.9015% | 115 |
| Net loans and leases to total assets | 77.8099% | 1,424 |
| Net loans and leases to deposits | 80.3677% | 3,924 |
| Net loans and leases to core deposits | 115.3619% | 2,378 |
| Total domestic deposits to total assets | 96.8174% | 23 |
| Equity capital to assets | 2.6006% | 7,936 |
| Core capital (leverage) ratio | 2.4212% | 7,935 |
| Tier 1 risk-based capital ratio | 3.1654% | 7,941 |
| Total risk-based capital ratio | 4.4516% | 7,941 |
| Memoranda: | ||
| Average total assets | $371,678,000 | 1,834 |
| Average earning assets | $319,058,200 | 1,953 |
| Average equity | $25,601,800 | 2,557 |
| Average total loans | $299,215,000 | 1,605 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9710% | 2,148 |
| Cost of funding earning assets | 3.0374% | 294 |
| Net interest margin | 2.9337% | 6,768 |
| Noninterest income to average assets | 0.6288% | 3,507 |
| Noninterest expense to average assets | 3.3748% | 2,652 |
| Loan and lease loss provision to assets | 2.0107% | 899 |
| Net operating income to assets | -2.2402% | 7,392 |
| Return on assets (ROA) | -2.0527% | 7,340 |
| Pretax return on assets | -2.0527% | 7,207 |
| Return on Equity (ROE) | -25.9259% | 7,526 |
| Retained earnings to average equity (ytd only) | -25.9259% | 7,506 |
| Net charge-offs to loans | 1.7098% | 1,183 |
| Credit loss provision to net charge-offs | 146.3731% | 3,319 |
| Earnings coverage of net charge-offs (x) | -0.1671% | 6,255 |
| Efficiency ratio | 107.2980% | 825 |
| Assets per employee ($millions) | 3.4862% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6443% | 2,827 |
| Loan loss allowance to noncurrent loans | 13.3976% | 7,377 |
| Noncurrent assets plus other real estate owned to assets | 13.3724% | 171 |
| Noncurrent loans to loans | 12.2731% | 256 |
| Net loans and leases to total assets | 78.7057% | 1,444 |
| Net loans and leases to deposits | 86.2563% | 3,261 |
| Net loans and leases to core deposits | 133.5107% | 1,234 |
| Total domestic deposits to total assets | 91.2463% | 327 |
| Equity capital to assets | 7.0395% | 7,573 |
| Core capital (leverage) ratio | 6.3081% | 7,731 |
| Tier 1 risk-based capital ratio | 7.7481% | 7,828 |
| Total risk-based capital ratio | 9.0027% | 7,835 |
| Memoranda: | ||
| Average total assets | $374,655,250 | 1,836 |
| Average earning assets | $321,365,000 | 1,951 |
| Average equity | $29,663,250 | 2,277 |
| Average total loans | $300,997,000 | 1,613 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2210% | 1,399 |
| Cost of funding earning assets | 3.1239% | 328 |
| Net interest margin | 3.0970% | 6,251 |
| Noninterest income to average assets | 0.5809% | 3,835 |
| Noninterest expense to average assets | 3.1233% | 3,608 |
| Loan and lease loss provision to assets | 1.1173% | 1,535 |
| Net operating income to assets | -0.6139% | 6,672 |
| Return on assets (ROA) | -0.6077% | 6,672 |
| Pretax return on assets | -0.9966% | 6,815 |
| Return on Equity (ROE) | -7.3969% | 6,839 |
| Retained earnings to average equity (ytd only) | -7.3969% | 6,604 |
| Net charge-offs to loans | 0.5954% | 2,553 |
| Credit loss provision to net charge-offs | 233.2587% | 1,988 |
| Earnings coverage of net charge-offs (x) | 0.2318% | 5,439 |
| Efficiency ratio | 96.5672% | 1,342 |
| Assets per employee ($millions) | 3.3223% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 3,489 |
| Loan loss allowance to noncurrent loans | 13.8148% | 7,404 |
| Noncurrent assets plus other real estate owned to assets | 10.8323% | 239 |
| Noncurrent loans to loans | 10.4674% | 320 |
| Net loans and leases to total assets | 78.4896% | 1,643 |
| Net loans and leases to deposits | 85.9533% | 3,561 |
| Net loans and leases to core deposits | 138.5886% | 1,075 |
| Total domestic deposits to total assets | 91.3166% | 366 |
| Equity capital to assets | 8.3201% | 6,303 |
| Core capital (leverage) ratio | 7.6095% | 6,885 |
| Tier 1 risk-based capital ratio | 9.2549% | 7,567 |
| Total risk-based capital ratio | 10.5070% | 7,560 |
| Memoranda: | ||
| Average total assets | $372,874,330 | 1,865 |
| Average earning assets | $319,468,670 | 1,989 |
| Average equity | $30,634,330 | 2,221 |
| Average total loans | $299,969,330 | 1,649 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5675% | 759 |
| Cost of funding earning assets | 3.2261% | 318 |
| Net interest margin | 3.3414% | 5,362 |
| Noninterest income to average assets | 0.5528% | 3,896 |
| Noninterest expense to average assets | 3.1921% | 3,020 |
| Loan and lease loss provision to assets | 1.0861% | 1,205 |
| Net operating income to assets | -0.8624% | 7,159 |
| Return on assets (ROA) | -0.8428% | 7,183 |
| Pretax return on assets | -0.8428% | 7,060 |
| Return on Equity (ROE) | -10.3269% | 7,381 |
| Retained earnings to average equity (ytd only) | -10.3269% | 7,140 |
| Net charge-offs to loans | 0.9160% | 1,444 |
| Credit loss provision to net charge-offs | 146.6276% | 2,830 |
| Earnings coverage of net charge-offs (x) | 0.3021% | 4,736 |
| Efficiency ratio | 93.4499% | 1,466 |
| Assets per employee ($millions) | 3.2411% | 5,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 4,938 |
| Loan loss allowance to noncurrent loans | 23.2227% | 7,004 |
| Noncurrent assets plus other real estate owned to assets | 6.1063% | 644 |
| Noncurrent loans to loans | 5.0756% | 1,070 |
| Net loans and leases to total assets | 78.6716% | 1,651 |
| Net loans and leases to deposits | 86.1141% | 3,609 |
| Net loans and leases to core deposits | 146.8158% | 818 |
| Total domestic deposits to total assets | 91.3574% | 311 |
| Equity capital to assets | 8.2756% | 6,423 |
| Core capital (leverage) ratio | 7.4196% | 7,255 |
| Tier 1 risk-based capital ratio | 9.1229% | 7,724 |
| Total risk-based capital ratio | 10.2981% | 7,790 |
| Memoranda: | ||
| Average total assets | $368,281,000 | 1,892 |
| Average earning assets | $315,553,500 | 2,025 |
| Average equity | $30,057,500 | 2,271 |
| Average total loans | $297,815,000 | 1,676 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3268% | 563 |
| Cost of funding earning assets | 3.6530% | 314 |
| Net interest margin | 3.6738% | 4,586 |
| Noninterest income to average assets | 0.5153% | 4,510 |
| Noninterest expense to average assets | 3.4547% | 2,512 |
| Loan and lease loss provision to assets | 1.0816% | 1,345 |
| Net operating income to assets | -0.7701% | 7,119 |
| Return on assets (ROA) | -0.7609% | 7,014 |
| Pretax return on assets | -0.7609% | 6,858 |
| Return on Equity (ROE) | -9.5606% | 7,248 |
| Retained earnings to average equity (ytd only) | -9.5606% | 7,035 |
| Net charge-offs to loans | 1.2682% | 943 |
| Credit loss provision to net charge-offs | 105.2461% | 5,086 |
| Earnings coverage of net charge-offs (x) | 0.3031% | 6,054 |
| Efficiency ratio | 91.7282% | 1,396 |
| Assets per employee ($millions) | 3.1085% | 5,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 5,391 |
| Loan loss allowance to noncurrent loans | 29.1130% | 6,755 |
| Noncurrent assets plus other real estate owned to assets | 4.0894% | 993 |
| Noncurrent loans to loans | 3.7210% | 1,349 |
| Net loans and leases to total assets | 81.2859% | 1,363 |
| Net loans and leases to deposits | 96.3715% | 2,388 |
| Net loans and leases to core deposits | 187.5795% | 227 |
| Total domestic deposits to total assets | 84.3464% | 3,154 |
| Equity capital to assets | 8.0427% | 6,789 |
| Core capital (leverage) ratio | 7.1110% | 7,606 |
| Tier 1 risk-based capital ratio | 8.5224% | 7,984 |
| Total risk-based capital ratio | 9.6019% | 8,064 |
| Memoranda: | ||
| Average total assets | $359,824,800 | 1,866 |
| Average earning assets | $318,421,200 | 1,917 |
| Average equity | $28,638,400 | 2,360 |
| Average total loans | $291,597,400 | 1,655 |