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Community Bank, Performance and Condition Ratios
| 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 | 6.6733% | 2,137 |
| Cost of funding earning assets | 2.2411% | 5,414 |
| Net interest margin | 4.4321% | 1,589 |
| Noninterest income to average assets | 1.8628% | 390 |
| Noninterest expense to average assets | 3.0061% | 4,062 |
| Loan and lease loss provision to assets | 0.5402% | 2,666 |
| Net operating income to assets | 1.4278% | 1,174 |
| Return on assets (ROA) | 1.4278% | 1,128 |
| Pretax return on assets | 2.0520% | 534 |
| Return on Equity (ROE) | 10.9227% | 1,929 |
| Retained earnings to average equity (ytd only) | 4.7774% | 2,162 |
| Net charge-offs to loans | 0.3280% | 3,208 |
| Credit loss provision to net charge-offs | 243.3155% | 1,914 |
| Earnings coverage of net charge-offs (x) | 11.6759% | 2,347 |
| Efficiency ratio | 50.6680% | 7,617 |
| Assets per employee ($millions) | 5.3705% | 1,558 |
| Cash dividends to net income (ytd only)* | 56.2614% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6365% | 592 |
| Loan loss allowance to noncurrent loans | 214.6282% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.9371% | 4,485 |
| Noncurrent loans to loans | 1.2284% | 4,055 |
| Net loans and leases to total assets | 68.5799% | 4,345 |
| Net loans and leases to deposits | 99.3295% | 1,936 |
| Net loans and leases to core deposits | 153.5716% | 732 |
| Total domestic deposits to total assets | 69.0428% | 7,382 |
| Equity capital to assets | 13.1755% | 1,720 |
| Core capital (leverage) ratio | 9.1674% | 4,494 |
| Tier 1 risk-based capital ratio | 10.9794% | 5,744 |
| Total risk-based capital ratio | 12.2480% | 5,626 |
| Memoranda: | ||
| Average total assets | $421,145,000 | 1,617 |
| Average earning assets | $354,953,200 | 1,744 |
| Average equity | $55,050,400 | 1,223 |
| Average total loans | $285,044,400 | 1,698 |