Home > Commonwealth National Bank > Performance and Condition Ratios
Commonwealth National Bank, Performance and Condition Ratios
| 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 | 5.9008% | 2,447 |
| Cost of funding earning assets | 1.9982% | 3,369 |
| Net interest margin | 3.9025% | 3,231 |
| Noninterest income to average assets | 0.1611% | 7,048 |
| Noninterest expense to average assets | 3.4711% | 2,354 |
| Loan and lease loss provision to assets | 0.5035% | 3,376 |
| Net operating income to assets | -0.0371% | 5,775 |
| Return on assets (ROA) | -0.0055% | 5,781 |
| Pretax return on assets | -0.0545% | 5,787 |
| Return on Equity (ROE) | -0.0636% | 5,785 |
| Retained earnings to average equity (ytd only) | -0.0636% | 5,223 |
| Net charge-offs to loans | 0.2850% | 4,248 |
| Credit loss provision to net charge-offs | 213.5922% | 2,058 |
| Earnings coverage of net charge-offs (x) | 1.6951% | 4,525 |
| Efficiency ratio | 89.6772% | 1,715 |
| Assets per employee ($millions) | 4.4678% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 3,687 |
| Loan loss allowance to noncurrent loans | 186.1141% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 1.2121% | 4,649 |
| Noncurrent loans to loans | 0.7797% | 5,740 |
| Net loans and leases to total assets | 82.1319% | 789 |
| Net loans and leases to deposits | 119.6709% | 210 |
| Net loans and leases to core deposits | 164.9960% | 320 |
| Total domestic deposits to total assets | 68.6314% | 7,524 |
| Equity capital to assets | 8.8512% | 5,709 |
| Core capital (leverage) ratio | 7.8975% | 6,505 |
| Tier 1 risk-based capital ratio | 10.0266% | 6,950 |
| Total risk-based capital ratio | 11.2801% | 6,900 |
| Memoranda: | ||
| Average total assets | $291,308,750 | 2,295 |
| Average earning assets | $276,906,250 | 2,219 |
| Average equity | $25,141,250 | 2,621 |
| Average total loans | $240,912,250 | 1,963 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8979% | 2,588 |
| Cost of funding earning assets | 2.0674% | 3,438 |
| Net interest margin | 3.8305% | 3,413 |
| Noninterest income to average assets | 0.1658% | 7,094 |
| Noninterest expense to average assets | 3.4794% | 2,401 |
| Loan and lease loss provision to assets | 0.2047% | 5,005 |
| Net operating income to assets | 0.0993% | 5,564 |
| Return on assets (ROA) | 0.1590% | 5,489 |
| Pretax return on assets | 0.1965% | 5,476 |
| Return on Equity (ROE) | 1.8577% | 5,353 |
| Retained earnings to average equity (ytd only) | 1.8577% | 4,311 |
| Net charge-offs to loans | 0.0347% | 5,977 |
| Credit loss provision to net charge-offs | 714.2857% | 666 |
| Earnings coverage of net charge-offs (x) | 11.4286% | 1,902 |
| Efficiency ratio | 91.3963% | 1,688 |
| Assets per employee ($millions) | 4.2870% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 4,284 |
| Loan loss allowance to noncurrent loans | 99.3968% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 1.4027% | 4,153 |
| Noncurrent loans to loans | 1.3065% | 4,595 |
| Net loans and leases to total assets | 82.8532% | 805 |
| Net loans and leases to deposits | 126.2226% | 146 |
| Net loans and leases to core deposits | 166.5139% | 366 |
| Total domestic deposits to total assets | 65.6405% | 7,760 |
| Equity capital to assets | 8.8302% | 5,557 |
| Core capital (leverage) ratio | 8.2525% | 5,883 |
| Tier 1 risk-based capital ratio | 10.2217% | 6,685 |
| Total risk-based capital ratio | 11.4728% | 6,618 |
| Memoranda: | ||
| Average total assets | $293,098,670 | 2,300 |
| Average earning assets | $278,607,670 | 2,233 |
| Average equity | $25,085,330 | 2,631 |
| Average total loans | $241,781,330 | 1,993 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8244% | 3,174 |
| Cost of funding earning assets | 2.1377% | 3,476 |
| Net interest margin | 3.6866% | 3,955 |
| Noninterest income to average assets | 0.1554% | 7,199 |
| Noninterest expense to average assets | 3.1780% | 3,081 |
| Loan and lease loss provision to assets | 0.2027% | 4,418 |
| Net operating income to assets | 0.2148% | 5,613 |
| Return on assets (ROA) | 0.2148% | 5,772 |
| Pretax return on assets | 0.2770% | 5,742 |
| Return on Equity (ROE) | 2.5495% | 5,551 |
| Retained earnings to average equity (ytd only) | 2.5495% | 4,459 |
| Net charge-offs to loans | 0.0743% | 4,440 |
| Credit loss provision to net charge-offs | 333.3333% | 1,485 |
| Earnings coverage of net charge-offs (x) | 7.8889% | 2,279 |
| Efficiency ratio | 86.8859% | 1,980 |
| Assets per employee ($millions) | 4.3679% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 4,578 |
| Loan loss allowance to noncurrent loans | 77.1503% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 1.5955% | 3,523 |
| Noncurrent loans to loans | 1.5961% | 3,887 |
| Net loans and leases to total assets | 80.4182% | 1,311 |
| Net loans and leases to deposits | 116.9199% | 361 |
| Net loans and leases to core deposits | 162.1135% | 465 |
| Total domestic deposits to total assets | 68.7806% | 7,537 |
| Equity capital to assets | 8.4647% | 6,128 |
| Core capital (leverage) ratio | 8.0292% | 6,408 |
| Tier 1 risk-based capital ratio | 9.9882% | 6,939 |
| Total risk-based capital ratio | 11.2382% | 6,841 |
| Memoranda: | ||
| Average total assets | $296,032,500 | 2,296 |
| Average earning assets | $281,233,000 | 2,234 |
| Average equity | $24,946,500 | 2,654 |
| Average total loans | $242,116,500 | 2,008 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2700% | 4,124 |
| Cost of funding earning assets | 2.6475% | 3,449 |
| Net interest margin | 3.6225% | 4,776 |
| Noninterest income to average assets | 0.1636% | 7,254 |
| Noninterest expense to average assets | 2.9178% | 4,388 |
| Loan and lease loss provision to assets | 0.4574% | 3,003 |
| Net operating income to assets | 0.1919% | 5,875 |
| Return on assets (ROA) | -0.4069% | 6,708 |
| Pretax return on assets | -0.6997% | 6,808 |
| Return on Equity (ROE) | -4.7567% | 6,840 |
| Retained earnings to average equity (ytd only) | -4.7567% | 6,473 |
| Net charge-offs to loans | 0.5800% | 2,079 |
| Credit loss provision to net charge-offs | 102.1805% | 5,206 |
| Earnings coverage of net charge-offs (x) | 1.5489% | 5,326 |
| Efficiency ratio | 80.8015% | 2,486 |
| Assets per employee ($millions) | 4.3389% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 4,659 |
| Loan loss allowance to noncurrent loans | 84.2769% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.4533% | 3,311 |
| Noncurrent loans to loans | 1.4064% | 3,700 |
| Net loans and leases to total assets | 81.1822% | 1,394 |
| Net loans and leases to deposits | 120.5134% | 377 |
| Net loans and leases to core deposits | 162.6870% | 526 |
| Total domestic deposits to total assets | 67.3636% | 7,530 |
| Equity capital to assets | 8.3889% | 6,276 |
| Core capital (leverage) ratio | 7.9155% | 6,627 |
| Tier 1 risk-based capital ratio | 9.9044% | 6,842 |
| Total risk-based capital ratio | 11.1354% | 6,746 |
| Memoranda: | ||
| Average total assets | $297,137,000 | 2,218 |
| Average earning assets | $282,790,800 | 2,156 |
| Average equity | $25,416,800 | 2,609 |
| Average total loans | $229,326,600 | 2,052 |