Home > Community Bank of Cape Coral > Performance and Condition Ratios
Community Bank of Cape Coral, Performance and Condition Ratios
| 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 | 5.7420% | 3,573 |
| Cost of funding earning assets | 3.3985% | 200 |
| Net interest margin | 2.3435% | 7,676 |
| Noninterest income to average assets | 0.1600% | 7,163 |
| Noninterest expense to average assets | 2.7355% | 4,850 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.3039% | 6,684 |
| Return on assets (ROA) | -0.3039% | 6,758 |
| Pretax return on assets | -0.4879% | 6,812 |
| Return on Equity (ROE) | -4.5887% | 6,948 |
| Retained earnings to average equity (ytd only) | -4.5887% | 6,501 |
| Net charge-offs to loans | 1.2512% | 1,123 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.4822% | 5,244 |
| Efficiency ratio | 121.7082% | 603 |
| Assets per employee ($millions) | 7.6003% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8232% | 7,077 |
| Loan loss allowance to noncurrent loans | 10.2605% | 7,508 |
| Noncurrent assets plus other real estate owned to assets | 7.1444% | 466 |
| Noncurrent loans to loans | 8.0230% | 448 |
| Net loans and leases to total assets | 78.7701% | 1,631 |
| Net loans and leases to deposits | 92.6987% | 2,485 |
| Net loans and leases to core deposits | 124.4651% | 2,044 |
| Total domestic deposits to total assets | 84.9743% | 3,219 |
| Equity capital to assets | 6.6667% | 7,821 |
| Core capital (leverage) ratio | 5.2762% | 8,100 |
| Tier 1 risk-based capital ratio | 6.3357% | 8,129 |
| Total risk-based capital ratio | 7.1185% | 8,148 |
| Memoranda: | ||
| Average total assets | $100,018,000 | 5,181 |
| Average earning assets | $89,098,000 | 5,254 |
| Average equity | $6,625,000 | 6,540 |
| Average total loans | $80,884,500 | 4,588 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2172% | 4,428 |
| Cost of funding earning assets | 3.4042% | 705 |
| Net interest margin | 2.8129% | 7,308 |
| Noninterest income to average assets | 0.0076% | 8,077 |
| Noninterest expense to average assets | 3.3338% | 2,859 |
| Loan and lease loss provision to assets | 2.6939% | 368 |
| Net operating income to assets | -2.1894% | 7,646 |
| Return on assets (ROA) | -2.1894% | 7,604 |
| Pretax return on assets | -3.4954% | 7,808 |
| Return on Equity (ROE) | -25.7414% | 7,873 |
| Retained earnings to average equity (ytd only) | -25.7414% | 7,821 |
| Net charge-offs to loans | 3.3241% | 246 |
| Credit loss provision to net charge-offs | 101.9421% | 5,225 |
| Earnings coverage of net charge-offs (x) | -0.3033% | 6,415 |
| Efficiency ratio | 131.6516% | 452 |
| Assets per employee ($millions) | 7.7871% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 5,421 |
| Loan loss allowance to noncurrent loans | 15.4920% | 7,381 |
| Noncurrent assets plus other real estate owned to assets | 6.1818% | 465 |
| Noncurrent loans to loans | 6.9668% | 437 |
| Net loans and leases to total assets | 81.3932% | 1,341 |
| Net loans and leases to deposits | 99.7615% | 1,854 |
| Net loans and leases to core deposits | 136.8272% | 1,447 |
| Total domestic deposits to total assets | 81.5878% | 4,371 |
| Equity capital to assets | 6.5819% | 7,907 |
| Core capital (leverage) ratio | 6.9933% | 7,701 |
| Tier 1 risk-based capital ratio | 7.5195% | 8,131 |
| Total risk-based capital ratio | 8.5352% | 8,169 |
| Memoranda: | ||
| Average total assets | $91,576,400 | 5,304 |
| Average earning assets | $82,192,000 | 5,365 |
| Average equity | $7,789,000 | 6,175 |
| Average total loans | $72,801,000 | 4,778 |