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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 | 6.7373% | 1,912 |
| Cost of funding earning assets | 3.3254% | 859 |
| Net interest margin | 3.4120% | 5,609 |
| Noninterest income to average assets | 0.3156% | 6,194 |
| Noninterest expense to average assets | 2.8241% | 4,719 |
| Loan and lease loss provision to assets | 0.6375% | 2,283 |
| Net operating income to assets | -0.1395% | 6,547 |
| Return on assets (ROA) | -0.1395% | 6,397 |
| Pretax return on assets | -0.2282% | 6,393 |
| Return on Equity (ROE) | -1.7014% | 6,464 |
| Retained earnings to average equity (ytd only) | -1.7014% | 5,791 |
| Net charge-offs to loans | 0.2662% | 3,626 |
| Credit loss provision to net charge-offs | 301.0799% | 1,496 |
| Earnings coverage of net charge-offs (x) | 1.9330% | 5,099 |
| Efficiency ratio | 87.3409% | 1,738 |
| Assets per employee ($millions) | 4.6386% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 3,944 |
| Loan loss allowance to noncurrent loans | 369.2683% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 3.5355% | 1,258 |
| Noncurrent loans to loans | 0.3460% | 6,336 |
| Net loans and leases to total assets | 77.1946% | 2,329 |
| Net loans and leases to deposits | 104.6817% | 1,273 |
| Net loans and leases to core deposits | 148.1271% | 933 |
| Total domestic deposits to total assets | 73.7423% | 6,697 |
| Equity capital to assets | 7.8735% | 7,006 |
| Core capital (leverage) ratio | 7.9554% | 6,560 |
| Tier 1 risk-based capital ratio | 9.5532% | 7,251 |
| Total risk-based capital ratio | 10.7677% | 7,208 |
| Memoranda: | ||
| Average total assets | $218,652,200 | 2,890 |
| Average earning assets | $186,987,600 | 3,086 |
| Average equity | $17,926,600 | 3,568 |
| Average total loans | $173,942,600 | 2,568 |