Home > Community Bank & Trust Company > Performance and Condition Ratios
Community Bank & Trust Company, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7538% | 5,606 |
| Cost of funding earning assets | 1.6099% | 2,010 |
| Net interest margin | 3.1440% | 6,402 |
| Noninterest income to average assets | 0.6636% | 3,060 |
| Noninterest expense to average assets | 3.2454% | 2,935 |
| Loan and lease loss provision to assets | 0.2977% | 4,421 |
| Net operating income to assets | 0.3545% | 4,726 |
| Return on assets (ROA) | 0.4111% | 4,628 |
| Pretax return on assets | 0.1036% | 5,694 |
| Return on Equity (ROE) | 5.6164% | 3,778 |
| Retained earnings to average equity (ytd only) | 5.6164% | 2,045 |
| Net charge-offs to loans | 1.4762% | 1,493 |
| Credit loss provision to net charge-offs | 27.9248% | 6,507 |
| Earnings coverage of net charge-offs (x) | 0.3233% | 5,785 |
| Efficiency ratio | 90.3997% | 1,294 |
| Assets per employee ($millions) | 3.5193% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8203% | 1,029 |
| Loan loss allowance to noncurrent loans | 73.3485% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 3.3743% | 2,076 |
| Noncurrent loans to loans | 3.8451% | 1,912 |
| Net loans and leases to total assets | 69.8607% | 2,567 |
| Net loans and leases to deposits | 77.0232% | 3,679 |
| Net loans and leases to core deposits | 80.6247% | 4,112 |
| Total domestic deposits to total assets | 90.7009% | 748 |
| Equity capital to assets | 7.6517% | 6,778 |
| Core capital (leverage) ratio | 7.2581% | 6,870 |
| Tier 1 risk-based capital ratio | 9.8637% | 7,033 |
| Total risk-based capital ratio | 12.8391% | 5,845 |
| Memoranda: | ||
| Average total assets | $638,309,600 | 1,049 |
| Average earning assets | $594,151,400 | 1,019 |
| Average equity | $46,720,200 | 1,434 |
| Average total loans | $460,899,600 | 979 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7474% | 5,863 |
| Cost of funding earning assets | 1.6346% | 2,187 |
| Net interest margin | 3.1128% | 6,581 |
| Noninterest income to average assets | 0.6328% | 3,235 |
| Noninterest expense to average assets | 2.7950% | 4,509 |
| Loan and lease loss provision to assets | 0.3317% | 3,946 |
| Net operating income to assets | 0.5814% | 3,953 |
| Return on assets (ROA) | 0.6562% | 3,787 |
| Pretax return on assets | 0.4744% | 5,008 |
| Return on Equity (ROE) | 9.0649% | 2,469 |
| Retained earnings to average equity (ytd only) | 9.0649% | 1,036 |
| Net charge-offs to loans | 1.5470% | 1,294 |
| Credit loss provision to net charge-offs | 29.6681% | 6,156 |
| Earnings coverage of net charge-offs (x) | 0.6540% | 5,388 |
| Efficiency ratio | 79.2615% | 2,452 |
| Assets per employee ($millions) | 3.5337% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0517% | 786 |
| Loan loss allowance to noncurrent loans | 86.6607% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 3.4989% | 2,042 |
| Noncurrent loans to loans | 3.5215% | 2,240 |
| Net loans and leases to total assets | 67.1510% | 3,423 |
| Net loans and leases to deposits | 74.1018% | 4,492 |
| Net loans and leases to core deposits | 80.5934% | 4,427 |
| Total domestic deposits to total assets | 90.6199% | 587 |
| Equity capital to assets | 7.5870% | 7,070 |
| Core capital (leverage) ratio | 7.4133% | 6,920 |
| Tier 1 risk-based capital ratio | 9.9129% | 7,107 |
| Total risk-based capital ratio | 12.8804% | 5,789 |
| Memoranda: | ||
| Average total assets | $643,038,500 | 1,050 |
| Average earning assets | $597,731,500 | 1,022 |
| Average equity | $46,551,750 | 1,453 |
| Average total loans | $464,806,750 | 978 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8216% | 5,717 |
| Cost of funding earning assets | 1.7045% | 2,102 |
| Net interest margin | 3.1171% | 6,561 |
| Noninterest income to average assets | 0.6030% | 3,323 |
| Noninterest expense to average assets | 2.6851% | 4,971 |
| Loan and lease loss provision to assets | 0.4051% | 3,289 |
| Net operating income to assets | 0.5734% | 3,977 |
| Return on assets (ROA) | 0.6858% | 3,612 |
| Pretax return on assets | 0.5132% | 4,868 |
| Return on Equity (ROE) | 9.6292% | 2,234 |
| Retained earnings to average equity (ytd only) | 9.6292% | 932 |
| Net charge-offs to loans | 1.6300% | 1,164 |
| Credit loss provision to net charge-offs | 33.9071% | 5,682 |
| Earnings coverage of net charge-offs (x) | 0.6745% | 5,070 |
| Efficiency ratio | 76.9169% | 2,907 |
| Assets per employee ($millions) | 3.4185% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2086% | 696 |
| Loan loss allowance to noncurrent loans | 86.6346% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 3.7042% | 1,889 |
| Noncurrent loans to loans | 3.7036% | 2,111 |
| Net loans and leases to total assets | 70.8232% | 2,707 |
| Net loans and leases to deposits | 78.0781% | 3,951 |
| Net loans and leases to core deposits | 84.2590% | 4,107 |
| Total domestic deposits to total assets | 90.7081% | 599 |
| Equity capital to assets | 7.4830% | 7,125 |
| Core capital (leverage) ratio | 7.2048% | 7,068 |
| Tier 1 risk-based capital ratio | 9.3676% | 7,313 |
| Total risk-based capital ratio | 12.2769% | 6,197 |
| Memoranda: | ||
| Average total assets | $641,831,670 | 1,054 |
| Average earning assets | $594,656,670 | 1,028 |
| Average equity | $45,715,000 | 1,473 |
| Average total loans | $470,440,000 | 975 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9025% | 5,451 |
| Cost of funding earning assets | 1.7405% | 2,181 |
| Net interest margin | 3.1621% | 6,411 |
| Noninterest income to average assets | 0.6147% | 3,170 |
| Noninterest expense to average assets | 2.6798% | 5,001 |
| Loan and lease loss provision to assets | 0.6203% | 2,049 |
| Net operating income to assets | 0.4324% | 4,701 |
| Return on assets (ROA) | 0.6563% | 3,748 |
| Pretax return on assets | 0.4609% | 5,083 |
| Return on Equity (ROE) | 9.4501% | 2,319 |
| Retained earnings to average equity (ytd only) | 9.4501% | 1,283 |
| Net charge-offs to loans | 3.0197% | 510 |
| Credit loss provision to net charge-offs | 28.0034% | 4,849 |
| Earnings coverage of net charge-offs (x) | 0.3870% | 4,690 |
| Efficiency ratio | 75.7629% | 3,259 |
| Assets per employee ($millions) | 3.5111% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1879% | 701 |
| Loan loss allowance to noncurrent loans | 84.1585% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 3.6844% | 1,897 |
| Noncurrent loans to loans | 3.7880% | 2,090 |
| Net loans and leases to total assets | 70.3810% | 2,833 |
| Net loans and leases to deposits | 77.1081% | 4,199 |
| Net loans and leases to core deposits | 83.6679% | 4,252 |
| Total domestic deposits to total assets | 91.2757% | 448 |
| Equity capital to assets | 7.0192% | 7,360 |
| Core capital (leverage) ratio | 6.9403% | 7,286 |
| Tier 1 risk-based capital ratio | 9.0482% | 7,466 |
| Total risk-based capital ratio | 11.9406% | 6,440 |
| Memoranda: | ||
| Average total assets | $644,825,500 | 1,072 |
| Average earning assets | $595,935,500 | 1,052 |
| Average equity | $44,782,500 | 1,502 |
| Average total loans | $473,033,500 | 997 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2646% | 5,348 |
| Cost of funding earning assets | 1.7440% | 4,280 |
| Net interest margin | 3.5205% | 4,868 |
| Noninterest income to average assets | 0.7468% | 2,701 |
| Noninterest expense to average assets | 3.0072% | 4,116 |
| Loan and lease loss provision to assets | 2.8373% | 640 |
| Net operating income to assets | -0.9538% | 6,543 |
| Return on assets (ROA) | -0.7882% | 6,425 |
| Pretax return on assets | -1.5200% | 6,715 |
| Return on Equity (ROE) | -9.5530% | 6,586 |
| Retained earnings to average equity (ytd only) | -13.6489% | 6,789 |
| Net charge-offs to loans | 1.0469% | 2,315 |
| Credit loss provision to net charge-offs | 333.7163% | 973 |
| Earnings coverage of net charge-offs (x) | 1.2449% | 4,880 |
| Efficiency ratio | 73.9670% | 3,903 |
| Assets per employee ($millions) | 3.4239% | 5,198 |
| Cash dividends to net income (ytd only)* | -42.8748% | 7,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6458% | 469 |
| Loan loss allowance to noncurrent loans | 84.5658% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 3.6868% | 1,808 |
| Noncurrent loans to loans | 4.3112% | 1,674 |
| Net loans and leases to total assets | 71.3151% | 2,922 |
| Net loans and leases to deposits | 78.1019% | 4,347 |
| Net loans and leases to core deposits | 92.2203% | 4,861 |
| Total domestic deposits to total assets | 91.3103% | 433 |
| Equity capital to assets | 6.8712% | 7,430 |
| Core capital (leverage) ratio | 6.8956% | 7,315 |
| Tier 1 risk-based capital ratio | 8.7394% | 7,553 |
| Total risk-based capital ratio | 11.6148% | 6,496 |
| Memoranda: | ||
| Average total assets | $614,325,600 | 1,128 |
| Average earning assets | $579,116,600 | 1,090 |
| Average equity | $50,685,400 | 1,320 |
| Average total loans | $498,878,400 | 958 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3896% | 5,002 |
| Cost of funding earning assets | 1.7570% | 4,606 |
| Net interest margin | 3.6326% | 4,361 |
| Noninterest income to average assets | 0.8581% | 2,163 |
| Noninterest expense to average assets | 3.0264% | 3,946 |
| Loan and lease loss provision to assets | 2.1469% | 816 |
| Net operating income to assets | -0.3375% | 6,249 |
| Return on assets (ROA) | -0.1265% | 5,965 |
| Pretax return on assets | -0.5341% | 6,340 |
| Return on Equity (ROE) | -1.4675% | 6,013 |
| Retained earnings to average equity (ytd only) | -6.2657% | 6,419 |
| Net charge-offs to loans | 0.9127% | 2,141 |
| Credit loss provision to net charge-offs | 282.9806% | 1,482 |
| Earnings coverage of net charge-offs (x) | 1.6912% | 4,529 |
| Efficiency ratio | 70.2261% | 4,546 |
| Assets per employee ($millions) | 3.2455% | 5,532 |
| Cash dividends to net income (ytd only)* | -326.9549% | 8,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2808% | 1,318 |
| Loan loss allowance to noncurrent loans | 53.1917% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 3.8803% | 1,658 |
| Noncurrent loans to loans | 4.2880% | 1,675 |
| Net loans and leases to total assets | 81.2125% | 944 |
| Net loans and leases to deposits | 89.2549% | 2,731 |
| Net loans and leases to core deposits | 108.2360% | 3,439 |
| Total domestic deposits to total assets | 90.9894% | 421 |
| Equity capital to assets | 8.1564% | 6,689 |
| Core capital (leverage) ratio | 7.9482% | 6,447 |
| Tier 1 risk-based capital ratio | 9.2124% | 7,531 |
| Total risk-based capital ratio | 10.4755% | 7,520 |
| Memoranda: | ||
| Average total assets | $606,125,750 | 1,159 |
| Average earning assets | $575,887,000 | 1,108 |
| Average equity | $52,240,500 | 1,288 |
| Average total loans | $503,858,000 | 969 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5132% | 4,551 |
| Cost of funding earning assets | 1.7906% | 4,806 |
| Net interest margin | 3.7226% | 3,864 |
| Noninterest income to average assets | 0.9164% | 1,912 |
| Noninterest expense to average assets | 3.0811% | 3,774 |
| Loan and lease loss provision to assets | 0.3605% | 3,765 |
| Net operating income to assets | 0.8994% | 2,460 |
| Return on assets (ROA) | 0.9326% | 2,427 |
| Pretax return on assets | 1.0546% | 2,796 |
| Return on Equity (ROE) | 10.6285% | 1,811 |
| Retained earnings to average equity (ytd only) | 5.0316% | 2,487 |
| Net charge-offs to loans | 0.1297% | 4,873 |
| Credit loss provision to net charge-offs | 334.3558% | 1,385 |
| Earnings coverage of net charge-offs (x) | 12.7761% | 1,787 |
| Efficiency ratio | 69.1070% | 4,957 |
| Assets per employee ($millions) | 3.1917% | 5,602 |
| Cash dividends to net income (ytd only)* | 52.6596% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 5,100 |
| Loan loss allowance to noncurrent loans | 28.2516% | 6,613 |
| Noncurrent assets plus other real estate owned to assets | 3.7978% | 1,599 |
| Noncurrent loans to loans | 4.1639% | 1,597 |
| Net loans and leases to total assets | 83.3799% | 729 |
| Net loans and leases to deposits | 93.8379% | 2,114 |
| Net loans and leases to core deposits | 111.9438% | 3,139 |
| Total domestic deposits to total assets | 88.8552% | 1,346 |
| Equity capital to assets | 8.8612% | 5,509 |
| Core capital (leverage) ratio | 8.5467% | 5,362 |
| Tier 1 risk-based capital ratio | 9.9032% | 7,036 |
| Total risk-based capital ratio | 11.0522% | 7,079 |
| Memoranda: | ||
| Average total assets | $604,780,330 | 1,179 |
| Average earning assets | $575,460,000 | 1,132 |
| Average equity | $53,065,000 | 1,278 |
| Average total loans | $502,779,330 | 991 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5706% | 4,522 |
| Cost of funding earning assets | 1.8701% | 4,790 |
| Net interest margin | 3.7005% | 3,890 |
| Noninterest income to average assets | 0.9670% | 1,582 |
| Noninterest expense to average assets | 2.9399% | 4,014 |
| Loan and lease loss provision to assets | 0.3775% | 3,057 |
| Net operating income to assets | 1.0080% | 2,276 |
| Return on assets (ROA) | 1.0729% | 2,187 |
| Pretax return on assets | 1.2491% | 2,456 |
| Return on Equity (ROE) | 12.2893% | 1,574 |
| Retained earnings to average equity (ytd only) | 6.2357% | 2,532 |
| Net charge-offs to loans | 0.2360% | 3,229 |
| Credit loss provision to net charge-offs | 193.8776% | 2,276 |
| Earnings coverage of net charge-offs (x) | 7.9660% | 2,260 |
| Efficiency ratio | 65.4623% | 5,426 |
| Assets per employee ($millions) | 3.2334% | 5,505 |
| Cash dividends to net income (ytd only)* | 49.2593% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 5,569 |
| Loan loss allowance to noncurrent loans | 25.6587% | 6,858 |
| Noncurrent assets plus other real estate owned to assets | 3.8511% | 1,364 |
| Noncurrent loans to loans | 4.2316% | 1,394 |
| Net loans and leases to total assets | 82.8923% | 867 |
| Net loans and leases to deposits | 96.7264% | 1,834 |
| Net loans and leases to core deposits | 112.9921% | 3,106 |
| Total domestic deposits to total assets | 85.6976% | 2,873 |
| Equity capital to assets | 8.7551% | 5,687 |
| Core capital (leverage) ratio | 8.3283% | 5,852 |
| Tier 1 risk-based capital ratio | 9.8895% | 7,050 |
| Total risk-based capital ratio | 10.9541% | 7,162 |
| Memoranda: | ||
| Average total assets | $603,957,000 | 1,184 |
| Average earning assets | $575,164,500 | 1,135 |
| Average equity | $52,729,000 | 1,292 |
| Average total loans | $498,340,500 | 1,009 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0519% | 5,289 |
| Cost of funding earning assets | 2.2935% | 5,181 |
| Net interest margin | 3.7584% | 4,189 |
| Noninterest income to average assets | 0.6893% | 3,190 |
| Noninterest expense to average assets | 2.7708% | 4,946 |
| Loan and lease loss provision to assets | 0.3069% | 3,920 |
| Net operating income to assets | 0.9764% | 2,656 |
| Return on assets (ROA) | 0.9764% | 2,535 |
| Pretax return on assets | 1.1738% | 2,747 |
| Return on Equity (ROE) | 11.0630% | 1,887 |
| Retained earnings to average equity (ytd only) | 5.3774% | 1,824 |
| Net charge-offs to loans | 0.2307% | 3,932 |
| Credit loss provision to net charge-offs | 155.8902% | 3,343 |
| Earnings coverage of net charge-offs (x) | 7.5217% | 3,089 |
| Efficiency ratio | 65.1725% | 5,286 |
| Assets per employee ($millions) | 3.2435% | 5,353 |
| Cash dividends to net income (ytd only)* | 51.3929% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 5,429 |
| Loan loss allowance to noncurrent loans | 21.9847% | 7,144 |
| Noncurrent assets plus other real estate owned to assets | 4.0395% | 1,012 |
| Noncurrent loans to loans | 4.9055% | 914 |
| Net loans and leases to total assets | 80.3304% | 1,583 |
| Net loans and leases to deposits | 88.8643% | 3,657 |
| Net loans and leases to core deposits | 104.9277% | 4,308 |
| Total domestic deposits to total assets | 90.3967% | 520 |
| Equity capital to assets | 8.7057% | 5,800 |
| Core capital (leverage) ratio | 8.3293% | 5,895 |
| Tier 1 risk-based capital ratio | 10.1693% | 6,554 |
| Total risk-based capital ratio | 11.2261% | 6,642 |
| Memoranda: | ||
| Average total assets | $573,512,800 | 1,173 |
| Average earning assets | $543,581,200 | 1,138 |
| Average equity | $50,619,200 | 1,334 |
| Average total loans | $489,353,200 | 977 |