Home > Community Bank & Trust > Performance and Condition Ratios
Community Bank & Trust, Performance and Condition Ratios
| 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 | 4.4416% | 7,442 |
| Cost of funding earning assets | 2.6985% | 594 |
| Net interest margin | 1.7431% | 7,821 |
| Noninterest income to average assets | 1.4553% | 682 |
| Noninterest expense to average assets | 3.7625% | 1,767 |
| Loan and lease loss provision to assets | 4.4618% | 266 |
| Net operating income to assets | -4.8628% | 7,725 |
| Return on assets (ROA) | -4.7227% | 7,704 |
| Pretax return on assets | -5.0441% | 7,713 |
| Return on Equity (ROE) | -110.6374% | 7,957 |
| Retained earnings to average equity (ytd only) | -110.6374% | 7,957 |
| Net charge-offs to loans | 4.3621% | 344 |
| Credit loss provision to net charge-offs | 135.9462% | 3,633 |
| Earnings coverage of net charge-offs (x) | -0.2228% | 6,481 |
| Efficiency ratio | 123.8271% | 548 |
| Assets per employee ($millions) | 3.0774% | 6,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0548% | 349 |
| Loan loss allowance to noncurrent loans | 15.7071% | 7,226 |
| Noncurrent assets plus other real estate owned to assets | 22.7883% | 33 |
| Noncurrent loans to loans | 25.8153% | 32 |
| Net loans and leases to total assets | 71.0689% | 2,976 |
| Net loans and leases to deposits | 78.6392% | 4,249 |
| Net loans and leases to core deposits | 107.4898% | 3,157 |
| Total domestic deposits to total assets | 90.3733% | 796 |
| Equity capital to assets | 1.5982% | 7,973 |
| Core capital (leverage) ratio | 1.7934% | 7,959 |
| Tier 1 risk-based capital ratio | 2.3997% | 7,960 |
| Total risk-based capital ratio | 3.6831% | 7,962 |
| Memoranda: | ||
| Average total assets | $1,248,880,400 | 537 |
| Average earning assets | $1,129,104,600 | 535 |
| Average equity | $53,310,200 | 1,241 |
| Average total loans | $939,664,600 | 507 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5816% | 7,431 |
| Cost of funding earning assets | 2.7395% | 709 |
| Net interest margin | 1.8421% | 7,873 |
| Noninterest income to average assets | 1.5670% | 600 |
| Noninterest expense to average assets | 3.6189% | 1,987 |
| Loan and lease loss provision to assets | 5.9783% | 109 |
| Net operating income to assets | -6.8190% | 7,973 |
| Return on assets (ROA) | -6.7930% | 7,968 |
| Pretax return on assets | -6.3344% | 7,926 |
| Return on Equity (ROE) | -138.8594% | 8,055 |
| Retained earnings to average equity (ytd only) | -138.8594% | 8,054 |
| Net charge-offs to loans | 5.6836% | 167 |
| Credit loss provision to net charge-offs | 139.2936% | 3,541 |
| Earnings coverage of net charge-offs (x) | -0.0890% | 6,166 |
| Efficiency ratio | 111.5668% | 737 |
| Assets per employee ($millions) | 3.0815% | 5,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0769% | 281 |
| Loan loss allowance to noncurrent loans | 22.6330% | 6,936 |
| Noncurrent assets plus other real estate owned to assets | 16.6806% | 85 |
| Noncurrent loans to loans | 18.0130% | 88 |
| Net loans and leases to total assets | 71.4349% | 3,170 |
| Net loans and leases to deposits | 78.6946% | 4,620 |
| Net loans and leases to core deposits | 112.5328% | 2,968 |
| Total domestic deposits to total assets | 90.7749% | 491 |
| Equity capital to assets | 1.4848% | 8,068 |
| Core capital (leverage) ratio | 1.2588% | 8,065 |
| Tier 1 risk-based capital ratio | 1.7672% | 8,065 |
| Total risk-based capital ratio | 3.0516% | 8,066 |
| Memoranda: | ||
| Average total assets | $1,265,671,250 | 545 |
| Average earning assets | $1,147,273,250 | 544 |
| Average equity | $61,916,250 | 1,083 |
| Average total loans | $955,749,250 | 518 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0089% | 6,738 |
| Cost of funding earning assets | 2.7365% | 947 |
| Net interest margin | 2.2724% | 7,695 |
| Noninterest income to average assets | 1.5138% | 648 |
| Noninterest expense to average assets | 3.8474% | 1,574 |
| Loan and lease loss provision to assets | 0.9853% | 1,708 |
| Net operating income to assets | -0.8300% | 6,849 |
| Return on assets (ROA) | -0.7890% | 6,824 |
| Pretax return on assets | -1.1929% | 6,938 |
| Return on Equity (ROE) | -13.2312% | 7,239 |
| Retained earnings to average equity (ytd only) | -13.2312% | 7,130 |
| Net charge-offs to loans | 0.8536% | 1,984 |
| Credit loss provision to net charge-offs | 152.1896% | 3,020 |
| Earnings coverage of net charge-offs (x) | -0.4167% | 6,026 |
| Efficiency ratio | 107.3892% | 930 |
| Assets per employee ($millions) | 3.2003% | 5,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3914% | 1,003 |
| Loan loss allowance to noncurrent loans | 21.0600% | 7,075 |
| Noncurrent assets plus other real estate owned to assets | 10.7413% | 241 |
| Noncurrent loans to loans | 11.3553% | 255 |
| Net loans and leases to total assets | 71.8473% | 3,260 |
| Net loans and leases to deposits | 82.6374% | 4,114 |
| Net loans and leases to core deposits | 113.6801% | 2,948 |
| Total domestic deposits to total assets | 86.9429% | 2,283 |
| Equity capital to assets | 5.6278% | 7,984 |
| Core capital (leverage) ratio | 5.6964% | 7,964 |
| Tier 1 risk-based capital ratio | 7.5218% | 7,960 |
| Total risk-based capital ratio | 8.7854% | 7,968 |
| Memoranda: | ||
| Average total assets | $1,283,886,000 | 550 |
| Average earning assets | $1,166,007,670 | 550 |
| Average equity | $76,561,330 | 868 |
| Average total loans | $973,711,000 | 520 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3444% | 5,687 |
| Cost of funding earning assets | 2.7544% | 1,102 |
| Net interest margin | 2.5900% | 7,385 |
| Noninterest income to average assets | 1.3768% | 751 |
| Noninterest expense to average assets | 3.9769% | 1,212 |
| Loan and lease loss provision to assets | 0.9415% | 1,378 |
| Net operating income to assets | -0.6777% | 7,032 |
| Return on assets (ROA) | -0.6361% | 7,037 |
| Pretax return on assets | -1.1179% | 7,205 |
| Return on Equity (ROE) | -10.3696% | 7,383 |
| Retained earnings to average equity (ytd only) | -10.3696% | 7,143 |
| Net charge-offs to loans | 0.3865% | 2,553 |
| Credit loss provision to net charge-offs | 316.4557% | 1,549 |
| Earnings coverage of net charge-offs (x) | -0.8112% | 5,328 |
| Efficiency ratio | 106.3849% | 918 |
| Assets per employee ($millions) | 2.9941% | 6,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3518% | 896 |
| Loan loss allowance to noncurrent loans | 31.6538% | 6,436 |
| Noncurrent assets plus other real estate owned to assets | 7.4813% | 420 |
| Noncurrent loans to loans | 7.4297% | 509 |
| Net loans and leases to total assets | 74.4319% | 2,642 |
| Net loans and leases to deposits | 86.2871% | 3,579 |
| Net loans and leases to core deposits | 118.4660% | 2,553 |
| Total domestic deposits to total assets | 86.2608% | 2,579 |
| Equity capital to assets | 6.0506% | 7,985 |
| Core capital (leverage) ratio | 5.9567% | 8,015 |
| Tier 1 risk-based capital ratio | 7.8647% | 8,026 |
| Total risk-based capital ratio | 9.1284% | 8,046 |
| Memoranda: | ||
| Average total assets | $1,274,564,500 | 555 |
| Average earning assets | $1,160,756,500 | 559 |
| Average equity | $78,190,000 | 842 |
| Average total loans | $981,186,500 | 518 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6509% | 2,240 |
| Cost of funding earning assets | 3.3566% | 791 |
| Net interest margin | 3.2943% | 6,057 |
| Noninterest income to average assets | 1.9751% | 353 |
| Noninterest expense to average assets | 4.0363% | 1,361 |
| Loan and lease loss provision to assets | 1.9102% | 653 |
| Net operating income to assets | -0.5288% | 6,941 |
| Return on assets (ROA) | -0.5329% | 6,825 |
| Pretax return on assets | -0.9594% | 6,978 |
| Return on Equity (ROE) | -7.2542% | 7,067 |
| Retained earnings to average equity (ytd only) | -10.7020% | 7,135 |
| Net charge-offs to loans | 1.5773% | 726 |
| Credit loss provision to net charge-offs | 152.9921% | 3,415 |
| Earnings coverage of net charge-offs (x) | 0.7667% | 5,767 |
| Efficiency ratio | 80.4693% | 2,533 |
| Assets per employee ($millions) | 2.9081% | 6,275 |
| Cash dividends to net income (ytd only)* | -47.5285% | 8,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0917% | 1,084 |
| Loan loss allowance to noncurrent loans | 38.9994% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 5.2920% | 626 |
| Noncurrent loans to loans | 5.3635% | 785 |
| Net loans and leases to total assets | 76.1111% | 2,595 |
| Net loans and leases to deposits | 93.4880% | 2,859 |
| Net loans and leases to core deposits | 126.2740% | 2,141 |
| Total domestic deposits to total assets | 81.4127% | 4,454 |
| Equity capital to assets | 6.2185% | 8,013 |
| Core capital (leverage) ratio | 6.3876% | 7,967 |
| Tier 1 risk-based capital ratio | 7.9088% | 8,096 |
| Total risk-based capital ratio | 9.1693% | 8,126 |
| Memoranda: | ||
| Average total assets | $1,184,490,600 | 567 |
| Average earning assets | $1,085,292,400 | 562 |
| Average equity | $87,011,400 | 761 |
| Average total loans | $937,624,600 | 524 |