Home > Community Bank and Trust of Southeast Alabama > Performance and Condition Ratios
Community Bank and Trust of Southeast Alabama, 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 | 4.7273% | 6,145 |
| Cost of funding earning assets | 0.9213% | 6,691 |
| Net interest margin | 3.8059% | 3,774 |
| Noninterest income to average assets | 0.5881% | 3,351 |
| Noninterest expense to average assets | 2.3833% | 6,151 |
| Loan and lease loss provision to assets | 1.2406% | 978 |
| Net operating income to assets | 0.3158% | 5,226 |
| Return on assets (ROA) | 0.3158% | 5,356 |
| Pretax return on assets | 0.5283% | 4,862 |
| Return on Equity (ROE) | 3.8130% | 4,977 |
| Retained earnings to average equity (ytd only) | 3.8130% | 3,855 |
| Net charge-offs to loans | 0.9548% | 1,703 |
| Credit loss provision to net charge-offs | 181.4004% | 2,022 |
| Earnings coverage of net charge-offs (x) | 2.5864% | 3,240 |
| Efficiency ratio | 57.3977% | 6,576 |
| Assets per employee ($millions) | 5.7590% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0987% | 758 |
| Loan loss allowance to noncurrent loans | 300.4954% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.8046% | 5,547 |
| Noncurrent loans to loans | 1.0312% | 5,275 |
| Net loans and leases to total assets | 68.0170% | 3,385 |
| Net loans and leases to deposits | 79.9605% | 3,664 |
| Net loans and leases to core deposits | 104.0272% | 1,736 |
| Total domestic deposits to total assets | 85.0633% | 3,645 |
| Equity capital to assets | 9.3015% | 4,827 |
| Core capital (leverage) ratio | 9.0884% | 4,399 |
| Tier 1 risk-based capital ratio | 13.2588% | 4,158 |
| Total risk-based capital ratio | 14.5322% | 4,088 |
| Memoranda: | ||
| Average total assets | $534,561,000 | 1,307 |
| Average earning assets | $500,585,500 | 1,283 |
| Average equity | $44,270,000 | 1,514 |
| Average total loans | $382,910,000 | 1,239 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9703% | 6,525 |
| Cost of funding earning assets | 1.3147% | 6,260 |
| Net interest margin | 3.6557% | 4,331 |
| Noninterest income to average assets | 0.6922% | 3,029 |
| Noninterest expense to average assets | 2.2564% | 6,854 |
| Loan and lease loss provision to assets | 2.3019% | 887 |
| Net operating income to assets | -0.2342% | 5,880 |
| Return on assets (ROA) | -0.1676% | 5,798 |
| Pretax return on assets | -0.3045% | 5,833 |
| Return on Equity (ROE) | -2.1988% | 5,886 |
| Retained earnings to average equity (ytd only) | -6.8171% | 6,224 |
| Net charge-offs to loans | 1.7464% | 1,428 |
| Credit loss provision to net charge-offs | 164.9090% | 2,648 |
| Earnings coverage of net charge-offs (x) | 1.3564% | 4,773 |
| Efficiency ratio | 54.3736% | 7,189 |
| Assets per employee ($millions) | 6.1283% | 1,172 |
| Cash dividends to net income (ytd only)* | -210.0334% | 7,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7366% | 985 |
| Loan loss allowance to noncurrent loans | 270.6503% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.8430% | 5,416 |
| Noncurrent loans to loans | 1.0111% | 5,291 |
| Net loans and leases to total assets | 71.0452% | 2,989 |
| Net loans and leases to deposits | 81.4591% | 3,704 |
| Net loans and leases to core deposits | 106.3843% | 3,293 |
| Total domestic deposits to total assets | 87.2159% | 2,378 |
| Equity capital to assets | 7.2795% | 7,213 |
| Core capital (leverage) ratio | 7.1412% | 7,119 |
| Tier 1 risk-based capital ratio | 9.8278% | 7,001 |
| Total risk-based capital ratio | 11.0962% | 6,969 |
| Memoranda: | ||
| Average total assets | $535,287,400 | 1,291 |
| Average earning assets | $506,283,000 | 1,246 |
| Average equity | $40,794,400 | 1,643 |
| Average total loans | $427,862,600 | 1,119 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9504% | 6,763 |
| Cost of funding earning assets | 1.4025% | 6,219 |
| Net interest margin | 3.5478% | 4,678 |
| Noninterest income to average assets | 0.6880% | 3,103 |
| Noninterest expense to average assets | 2.2384% | 6,880 |
| Loan and lease loss provision to assets | 1.4050% | 1,370 |
| Net operating income to assets | 0.2722% | 4,892 |
| Return on assets (ROA) | 0.3653% | 4,633 |
| Pretax return on assets | 0.5463% | 4,371 |
| Return on Equity (ROE) | 4.7402% | 4,065 |
| Retained earnings to average equity (ytd only) | -1.3599% | 5,574 |
| Net charge-offs to loans | 0.1525% | 5,190 |
| Credit loss provision to net charge-offs | 1,128.2565% | 335 |
| Earnings coverage of net charge-offs (x) | 14.5530% | 1,594 |
| Efficiency ratio | 55.2612% | 7,092 |
| Assets per employee ($millions) | 5.9635% | 1,236 |
| Cash dividends to net income (ytd only)* | 128.6887% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5482% | 1,018 |
| Loan loss allowance to noncurrent loans | 170.6418% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 1.2012% | 4,669 |
| Noncurrent loans to loans | 1.4933% | 4,423 |
| Net loans and leases to total assets | 76.2706% | 1,939 |
| Net loans and leases to deposits | 87.3628% | 3,081 |
| Net loans and leases to core deposits | 113.7901% | 2,851 |
| Total domestic deposits to total assets | 87.3033% | 2,014 |
| Equity capital to assets | 7.2754% | 7,440 |
| Core capital (leverage) ratio | 7.3540% | 7,130 |
| Tier 1 risk-based capital ratio | 9.2513% | 7,514 |
| Total risk-based capital ratio | 10.5178% | 7,498 |
| Memoranda: | ||
| Average total assets | $534,286,000 | 1,302 |
| Average earning assets | $506,400,500 | 1,256 |
| Average equity | $41,178,500 | 1,645 |
| Average total loans | $436,347,750 | 1,119 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9677% | 6,880 |
| Cost of funding earning assets | 1.5182% | 6,065 |
| Net interest margin | 3.4495% | 4,989 |
| Noninterest income to average assets | 0.6756% | 3,147 |
| Noninterest expense to average assets | 2.2305% | 6,972 |
| Loan and lease loss provision to assets | 0.9418% | 1,794 |
| Net operating income to assets | 0.5054% | 4,070 |
| Return on assets (ROA) | 0.5054% | 4,191 |
| Pretax return on assets | 0.7708% | 3,774 |
| Return on Equity (ROE) | 6.4311% | 3,469 |
| Retained earnings to average equity (ytd only) | 2.7934% | 3,770 |
| Net charge-offs to loans | 0.0933% | 5,249 |
| Credit loss provision to net charge-offs | 1,217.6471% | 406 |
| Earnings coverage of net charge-offs (x) | 22.1422% | 1,239 |
| Efficiency ratio | 56.5673% | 7,045 |
| Assets per employee ($millions) | 5.7041% | 1,416 |
| Cash dividends to net income (ytd only)* | 56.5641% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8828% | 1,836 |
| Loan loss allowance to noncurrent loans | 176.0292% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.9265% | 5,119 |
| Noncurrent loans to loans | 1.0696% | 5,073 |
| Net loans and leases to total assets | 80.6541% | 1,202 |
| Net loans and leases to deposits | 93.3883% | 2,194 |
| Net loans and leases to core deposits | 122.5273% | 2,153 |
| Total domestic deposits to total assets | 86.3642% | 2,591 |
| Equity capital to assets | 7.8071% | 6,969 |
| Core capital (leverage) ratio | 7.4839% | 7,045 |
| Tier 1 risk-based capital ratio | 9.3468% | 7,510 |
| Total risk-based capital ratio | 10.6049% | 7,489 |
| Memoranda: | ||
| Average total assets | $527,512,330 | 1,335 |
| Average earning assets | $499,666,330 | 1,290 |
| Average equity | $41,454,670 | 1,637 |
| Average total loans | $437,109,330 | 1,146 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8567% | 7,272 |
| Cost of funding earning assets | 1.6232% | 5,934 |
| Net interest margin | 3.2335% | 5,747 |
| Noninterest income to average assets | 0.6707% | 3,066 |
| Noninterest expense to average assets | 2.0250% | 7,290 |
| Loan and lease loss provision to assets | 0.2616% | 3,868 |
| Net operating income to assets | 0.9269% | 2,590 |
| Return on assets (ROA) | 0.9269% | 2,724 |
| Pretax return on assets | 1.4471% | 1,823 |
| Return on Equity (ROE) | 11.7566% | 1,743 |
| Retained earnings to average equity (ytd only) | 9.2008% | 1,420 |
| Net charge-offs to loans | -0.0046% | 7,170 |
| Credit loss provision to net charge-offs | -6,880.0000% | 6,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2363% | 7,199 |
| Assets per employee ($millions) | 5.5186% | 1,543 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 3,394 |
| Loan loss allowance to noncurrent loans | 171.6981% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.7645% | 5,255 |
| Noncurrent loans to loans | 0.8268% | 5,379 |
| Net loans and leases to total assets | 82.3033% | 970 |
| Net loans and leases to deposits | 107.2977% | 768 |
| Net loans and leases to core deposits | 147.8140% | 786 |
| Total domestic deposits to total assets | 76.7055% | 6,359 |
| Equity capital to assets | 7.9090% | 6,949 |
| Core capital (leverage) ratio | 7.7793% | 6,775 |
| Tier 1 risk-based capital ratio | 9.1725% | 7,691 |
| Total risk-based capital ratio | 10.4244% | 7,681 |
| Memoranda: | ||
| Average total assets | $526,029,500 | 1,344 |
| Average earning assets | $498,285,500 | 1,298 |
| Average equity | $41,474,500 | 1,642 |
| Average total loans | $437,633,000 | 1,153 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8962% | 6,052 |
| Cost of funding earning assets | 2.0595% | 6,199 |
| Net interest margin | 3.8367% | 3,858 |
| Noninterest income to average assets | 0.7914% | 2,567 |
| Noninterest expense to average assets | 2.2268% | 6,903 |
| Loan and lease loss provision to assets | 0.4134% | 3,219 |
| Net operating income to assets | 1.1370% | 2,000 |
| Return on assets (ROA) | 1.1370% | 1,920 |
| Pretax return on assets | 1.7656% | 1,007 |
| Return on Equity (ROE) | 14.3660% | 1,036 |
| Retained earnings to average equity (ytd only) | 10.4066% | 396 |
| Net charge-offs to loans | 0.0619% | 5,893 |
| Credit loss provision to net charge-offs | 794.7368% | 546 |
| Earnings coverage of net charge-offs (x) | 41.8907% | 880 |
| Efficiency ratio | 50.5425% | 7,623 |
| Assets per employee ($millions) | 5.3293% | 1,606 |
| Cash dividends to net income (ytd only)* | 27.5607% | 4,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 3,361 |
| Loan loss allowance to noncurrent loans | 390.1316% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 6,148 |
| Noncurrent loans to loans | 0.3511% | 6,318 |
| Net loans and leases to total assets | 81.7630% | 1,269 |
| Net loans and leases to deposits | 94.8506% | 2,641 |
| Net loans and leases to core deposits | 125.4078% | 2,216 |
| Total domestic deposits to total assets | 86.2018% | 2,312 |
| Equity capital to assets | 7.8595% | 7,029 |
| Core capital (leverage) ratio | 7.8226% | 6,768 |
| Tier 1 risk-based capital ratio | 9.1684% | 7,646 |
| Total risk-based capital ratio | 10.4199% | 7,610 |
| Memoranda: | ||
| Average total assets | $474,858,200 | 1,453 |
| Average earning assets | $447,336,600 | 1,389 |
| Average equity | $37,581,800 | 1,800 |
| Average total loans | $399,175,200 | 1,214 |