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Community Bank of Boone, 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 | 6.0693% | 5,208 |
| Cost of funding earning assets | 3.2264% | 1,107 |
| Net interest margin | 2.8428% | 7,264 |
| Noninterest income to average assets | 0.3538% | 5,897 |
| Noninterest expense to average assets | 2.0027% | 7,438 |
| Loan and lease loss provision to assets | 0.4547% | 3,016 |
| Net operating income to assets | 0.4987% | 4,740 |
| Return on assets (ROA) | 0.4518% | 4,771 |
| Pretax return on assets | 0.4838% | 5,022 |
| Return on Equity (ROE) | 5.1212% | 4,324 |
| Retained earnings to average equity (ytd only) | 5.1212% | 1,950 |
| Net charge-offs to loans | 0.6674% | 1,852 |
| Credit loss provision to net charge-offs | 88.3978% | 5,712 |
| Earnings coverage of net charge-offs (x) | 1.9227% | 5,105 |
| Efficiency ratio | 66.9437% | 4,918 |
| Assets per employee ($millions) | 6.1896% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7813% | 1,674 |
| Loan loss allowance to noncurrent loans | 31.4069% | 6,628 |
| Noncurrent assets plus other real estate owned to assets | 6.8656% | 388 |
| Noncurrent loans to loans | 5.6717% | 679 |
| Net loans and leases to total assets | 73.7692% | 3,163 |
| Net loans and leases to deposits | 99.4462% | 1,914 |
| Net loans and leases to core deposits | 126.3803% | 2,135 |
| Total domestic deposits to total assets | 74.1801% | 6,627 |
| Equity capital to assets | 9.9691% | 4,073 |
| Core capital (leverage) ratio | 9.8305% | 3,611 |
| Tier 1 risk-based capital ratio | 11.9340% | 4,877 |
| Total risk-based capital ratio | 13.1889% | 4,755 |
| Memoranda: | ||
| Average total assets | $140,758,000 | 4,067 |
| Average earning assets | $130,608,800 | 4,033 |
| Average equity | $12,419,000 | 4,724 |
| Average total loans | $108,481,600 | 3,721 |