Home > Community Central Bank > Performance and Condition Ratios
Community Central Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1177% | 2,568 |
| Cost of funding earning assets | 2.2683% | 69 |
| Net interest margin | 2.8494% | 6,834 |
| Noninterest income to average assets | 0.4009% | 4,693 |
| Noninterest expense to average assets | 3.9275% | 1,138 |
| Loan and lease loss provision to assets | 5.7327% | 45 |
| Net operating income to assets | -6.6852% | 7,518 |
| Return on assets (ROA) | -6.6852% | 7,518 |
| Pretax return on assets | -6.6852% | 7,517 |
| Return on Equity (ROE) | -654.3614% | 7,566 |
| Retained earnings to average equity (ytd only) | -654.3614% | 7,566 |
| Net charge-offs to loans | 9.9997% | 38 |
| Credit loss provision to net charge-offs | 75.8786% | 3,238 |
| Earnings coverage of net charge-offs (x) | -0.1261% | 4,657 |
| Efficiency ratio | 132.0197% | 250 |
| Assets per employee ($millions) | 5.7908% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3248% | 158 |
| Loan loss allowance to noncurrent loans | 58.2341% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 10.0489% | 412 |
| Noncurrent loans to loans | 9.1438% | 480 |
| Net loans and leases to total assets | 68.3322% | 2,484 |
| Net loans and leases to deposits | 83.0821% | 2,174 |
| Net loans and leases to core deposits | 101.6390% | 1,222 |
| Total domestic deposits to total assets | 82.2466% | 5,211 |
| Equity capital to assets | 0.1999% | 7,566 |
| Core capital (leverage) ratio | 0.1622% | 7,566 |
| Tier 1 risk-based capital ratio | 0.2410% | 7,566 |
| Total risk-based capital ratio | 0.4820% | 7,566 |
| Memoranda: | ||
| Average total assets | $464,008,500 | 1,456 |
| Average earning assets | $419,174,000 | 1,468 |
| Average equity | $4,740,500 | 6,636 |
| Average total loans | $350,571,500 | 1,251 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4470% | 2,488 |
| Cost of funding earning assets | 2.6119% | 71 |
| Net interest margin | 2.8352% | 6,987 |
| Noninterest income to average assets | 1.0415% | 1,384 |
| Noninterest expense to average assets | 3.7647% | 1,551 |
| Loan and lease loss provision to assets | 4.2139% | 140 |
| Net operating income to assets | -5.0064% | 7,535 |
| Return on assets (ROA) | -4.9719% | 7,539 |
| Pretax return on assets | -4.4041% | 7,491 |
| Return on Equity (ROE) | -120.1740% | 7,614 |
| Retained earnings to average equity (ytd only) | -120.1740% | 7,614 |
| Net charge-offs to loans | 3.9607% | 325 |
| Credit loss provision to net charge-offs | 141.4135% | 2,657 |
| Earnings coverage of net charge-offs (x) | -0.0754% | 6,200 |
| Efficiency ratio | 100.9309% | 750 |
| Assets per employee ($millions) | 5.4751% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1909% | 171 |
| Loan loss allowance to noncurrent loans | 48.2483% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 10.9555% | 352 |
| Noncurrent loans to loans | 10.7587% | 366 |
| Net loans and leases to total assets | 74.6674% | 1,545 |
| Net loans and leases to deposits | 92.2969% | 1,237 |
| Net loans and leases to core deposits | 113.2633% | 756 |
| Total domestic deposits to total assets | 80.8991% | 5,550 |
| Equity capital to assets | 1.8008% | 7,617 |
| Core capital (leverage) ratio | 1.6649% | 7,617 |
| Tier 1 risk-based capital ratio | 2.3697% | 7,617 |
| Total risk-based capital ratio | 3.6711% | 7,617 |
| Memoranda: | ||
| Average total assets | $528,009,400 | 1,265 |
| Average earning assets | $465,336,000 | 1,323 |
| Average equity | $21,845,000 | 2,896 |
| Average total loans | $397,253,600 | 1,136 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4249% | 2,766 |
| Cost of funding earning assets | 2.6745% | 72 |
| Net interest margin | 2.7505% | 7,181 |
| Noninterest income to average assets | 0.5783% | 3,593 |
| Noninterest expense to average assets | 3.3283% | 2,490 |
| Loan and lease loss provision to assets | 4.1286% | 146 |
| Net operating income to assets | -4.4695% | 7,608 |
| Return on assets (ROA) | -4.4012% | 7,613 |
| Pretax return on assets | -4.4012% | 7,598 |
| Return on Equity (ROE) | -94.6174% | 7,687 |
| Retained earnings to average equity (ytd only) | -94.6174% | 7,686 |
| Net charge-offs to loans | 3.3569% | 421 |
| Credit loss provision to net charge-offs | 165.1711% | 2,272 |
| Earnings coverage of net charge-offs (x) | -0.1364% | 6,135 |
| Efficiency ratio | 111.2706% | 503 |
| Assets per employee ($millions) | 5.8669% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9257% | 184 |
| Loan loss allowance to noncurrent loans | 49.1349% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 9.3209% | 463 |
| Noncurrent loans to loans | 10.0248% | 420 |
| Net loans and leases to total assets | 73.1498% | 1,987 |
| Net loans and leases to deposits | 95.2379% | 1,080 |
| Net loans and leases to core deposits | 127.1561% | 430 |
| Total domestic deposits to total assets | 76.8075% | 6,527 |
| Equity capital to assets | 3.3234% | 7,679 |
| Core capital (leverage) ratio | 2.5590% | 7,695 |
| Tier 1 risk-based capital ratio | 3.5321% | 7,698 |
| Total risk-based capital ratio | 4.8325% | 7,699 |
| Memoranda: | ||
| Average total assets | $540,928,250 | 1,256 |
| Average earning assets | $473,799,250 | 1,307 |
| Average equity | $25,161,750 | 2,571 |
| Average total loans | $402,782,250 | 1,132 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4080% | 2,941 |
| Cost of funding earning assets | 2.8014% | 61 |
| Net interest margin | 2.6066% | 7,342 |
| Noninterest income to average assets | 0.5037% | 4,088 |
| Noninterest expense to average assets | 3.1230% | 3,209 |
| Loan and lease loss provision to assets | 4.4433% | 153 |
| Net operating income to assets | -4.8020% | 7,684 |
| Return on assets (ROA) | -4.7259% | 7,684 |
| Pretax return on assets | -4.7259% | 7,663 |
| Return on Equity (ROE) | -93.2530% | 7,729 |
| Retained earnings to average equity (ytd only) | -93.2530% | 7,728 |
| Net charge-offs to loans | 4.3728% | 269 |
| Credit loss provision to net charge-offs | 137.8999% | 2,908 |
| Earnings coverage of net charge-offs (x) | -0.1113% | 5,809 |
| Efficiency ratio | 112.8327% | 507 |
| Assets per employee ($millions) | 5.7139% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0462% | 359 |
| Loan loss allowance to noncurrent loans | 51.9940% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 7.3147% | 704 |
| Noncurrent loans to loans | 7.7821% | 671 |
| Net loans and leases to total assets | 71.2543% | 2,601 |
| Net loans and leases to deposits | 90.1002% | 1,837 |
| Net loans and leases to core deposits | 131.0191% | 405 |
| Total domestic deposits to total assets | 79.0834% | 6,018 |
| Equity capital to assets | 4.1091% | 7,689 |
| Core capital (leverage) ratio | 3.3116% | 7,721 |
| Tier 1 risk-based capital ratio | 4.8517% | 7,708 |
| Total risk-based capital ratio | 6.1397% | 7,708 |
| Memoranda: | ||
| Average total assets | $549,143,330 | 1,238 |
| Average earning assets | $476,254,330 | 1,303 |
| Average equity | $27,829,670 | 2,344 |
| Average total loans | $404,634,330 | 1,139 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4701% | 2,734 |
| Cost of funding earning assets | 2.9162% | 55 |
| Net interest margin | 2.5540% | 7,425 |
| Noninterest income to average assets | 0.6301% | 3,082 |
| Noninterest expense to average assets | 3.2591% | 2,675 |
| Loan and lease loss provision to assets | 5.9388% | 118 |
| Net operating income to assets | -6.4023% | 7,829 |
| Return on assets (ROA) | -6.3458% | 7,830 |
| Pretax return on assets | -6.3458% | 7,817 |
| Return on Equity (ROE) | -114.5659% | 7,844 |
| Retained earnings to average equity (ytd only) | -114.5659% | 7,841 |
| Net charge-offs to loans | 6.5604% | 153 |
| Credit loss provision to net charge-offs | 123.3268% | 2,837 |
| Earnings coverage of net charge-offs (x) | -0.0963% | 5,096 |
| Efficiency ratio | 116.5285% | 486 |
| Assets per employee ($millions) | 5.8146% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5898% | 507 |
| Loan loss allowance to noncurrent loans | 63.3067% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 5.6456% | 1,086 |
| Noncurrent loans to loans | 5.6705% | 1,204 |
| Net loans and leases to total assets | 69.8023% | 2,985 |
| Net loans and leases to deposits | 91.2770% | 1,716 |
| Net loans and leases to core deposits | 142.1773% | 306 |
| Total domestic deposits to total assets | 76.4730% | 6,668 |
| Equity capital to assets | 4.7014% | 7,743 |
| Core capital (leverage) ratio | 4.0204% | 7,779 |
| Tier 1 risk-based capital ratio | 5.7679% | 7,758 |
| Total risk-based capital ratio | 7.0483% | 7,759 |
| Memoranda: | ||
| Average total assets | $552,304,000 | 1,259 |
| Average earning assets | $468,288,500 | 1,358 |
| Average equity | $30,592,000 | 2,178 |
| Average total loans | $405,404,500 | 1,168 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9384% | 2,090 |
| Cost of funding earning assets | 3.2148% | 121 |
| Net interest margin | 2.7236% | 7,178 |
| Noninterest income to average assets | 0.5326% | 4,157 |
| Noninterest expense to average assets | 3.1720% | 3,471 |
| Loan and lease loss provision to assets | 2.6865% | 704 |
| Net operating income to assets | -3.0096% | 7,393 |
| Return on assets (ROA) | -2.8782% | 7,375 |
| Pretax return on assets | -2.8051% | 7,240 |
| Return on Equity (ROE) | -38.3340% | 7,540 |
| Retained earnings to average equity (ytd only) | -38.3340% | 7,528 |
| Net charge-offs to loans | 2.2064% | 1,079 |
| Credit loss provision to net charge-offs | 161.2728% | 2,754 |
| Earnings coverage of net charge-offs (x) | -0.1501% | 6,388 |
| Efficiency ratio | 108.4138% | 833 |
| Assets per employee ($millions) | 6.1394% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1862% | 660 |
| Loan loss allowance to noncurrent loans | 56.6278% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 5.8896% | 963 |
| Noncurrent loans to loans | 5.6265% | 1,142 |
| Net loans and leases to total assets | 72.0538% | 2,744 |
| Net loans and leases to deposits | 97.9424% | 1,108 |
| Net loans and leases to core deposits | 130.5451% | 1,253 |
| Total domestic deposits to total assets | 73.5675% | 7,077 |
| Equity capital to assets | 6.3947% | 7,587 |
| Core capital (leverage) ratio | 5.6734% | 7,685 |
| Tier 1 risk-based capital ratio | 7.9921% | 7,655 |
| Total risk-based capital ratio | 9.2677% | 7,662 |
| Memoranda: | ||
| Average total assets | $552,769,800 | 1,257 |
| Average earning assets | $484,944,400 | 1,301 |
| Average equity | $41,503,600 | 1,613 |
| Average total loans | $417,332,200 | 1,156 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9922% | 2,069 |
| Cost of funding earning assets | 3.2637% | 158 |
| Net interest margin | 2.7285% | 7,170 |
| Noninterest income to average assets | 0.5890% | 3,785 |
| Noninterest expense to average assets | 2.8229% | 4,798 |
| Loan and lease loss provision to assets | 2.3209% | 733 |
| Net operating income to assets | -1.3815% | 7,055 |
| Return on assets (ROA) | -1.3144% | 7,020 |
| Pretax return on assets | -2.0383% | 7,200 |
| Return on Equity (ROE) | -16.8886% | 7,266 |
| Retained earnings to average equity (ytd only) | -16.8886% | 7,227 |
| Net charge-offs to loans | 1.5143% | 1,348 |
| Credit loss provision to net charge-offs | 202.3061% | 2,205 |
| Earnings coverage of net charge-offs (x) | 0.1549% | 5,873 |
| Efficiency ratio | 93.9404% | 1,403 |
| Assets per employee ($millions) | 6.0317% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9346% | 703 |
| Loan loss allowance to noncurrent loans | 39.9613% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 6.7491% | 730 |
| Noncurrent loans to loans | 7.3436% | 712 |
| Net loans and leases to total assets | 73.4878% | 2,664 |
| Net loans and leases to deposits | 108.5126% | 527 |
| Net loans and leases to core deposits | 140.8876% | 880 |
| Total domestic deposits to total assets | 67.7228% | 7,600 |
| Equity capital to assets | 7.6601% | 7,185 |
| Core capital (leverage) ratio | 6.7728% | 7,553 |
| Tier 1 risk-based capital ratio | 9.0288% | 7,612 |
| Total risk-based capital ratio | 10.3004% | 7,610 |
| Memoranda: | ||
| Average total assets | $554,360,500 | 1,260 |
| Average earning assets | $489,982,000 | 1,298 |
| Average equity | $43,144,250 | 1,569 |
| Average total loans | $419,999,250 | 1,161 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9654% | 2,325 |
| Cost of funding earning assets | 3.3427% | 171 |
| Net interest margin | 2.6227% | 7,329 |
| Noninterest income to average assets | 0.7746% | 2,556 |
| Noninterest expense to average assets | 2.7854% | 5,023 |
| Loan and lease loss provision to assets | 1.8879% | 868 |
| Net operating income to assets | -0.9971% | 6,984 |
| Return on assets (ROA) | -0.9152% | 6,917 |
| Pretax return on assets | -1.4341% | 7,058 |
| Return on Equity (ROE) | -11.6983% | 7,154 |
| Retained earnings to average equity (ytd only) | -11.6983% | 7,032 |
| Net charge-offs to loans | 1.3078% | 1,409 |
| Credit loss provision to net charge-offs | 190.4935% | 2,401 |
| Earnings coverage of net charge-offs (x) | 0.3287% | 5,347 |
| Efficiency ratio | 89.4013% | 1,870 |
| Assets per employee ($millions) | 5.9841% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3268% | 1,069 |
| Loan loss allowance to noncurrent loans | 30.3168% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 6.6935% | 665 |
| Noncurrent loans to loans | 7.6750% | 595 |
| Net loans and leases to total assets | 73.9871% | 2,702 |
| Net loans and leases to deposits | 110.8868% | 520 |
| Net loans and leases to core deposits | 141.4130% | 958 |
| Total domestic deposits to total assets | 66.7230% | 7,695 |
| Equity capital to assets | 7.8680% | 6,894 |
| Core capital (leverage) ratio | 7.2584% | 7,292 |
| Tier 1 risk-based capital ratio | 9.7261% | 7,206 |
| Total risk-based capital ratio | 10.9920% | 7,133 |
| Memoranda: | ||
| Average total assets | $556,185,330 | 1,273 |
| Average earning assets | $495,522,670 | 1,310 |
| Average equity | $43,510,670 | 1,563 |
| Average total loans | $421,479,330 | 1,182 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8195% | 3,203 |
| Cost of funding earning assets | 3.3603% | 227 |
| Net interest margin | 2.4592% | 7,550 |
| Noninterest income to average assets | 0.3273% | 5,829 |
| Noninterest expense to average assets | 2.4891% | 5,880 |
| Loan and lease loss provision to assets | 1.8345% | 671 |
| Net operating income to assets | -1.1323% | 7,323 |
| Return on assets (ROA) | -1.0733% | 7,307 |
| Pretax return on assets | -1.6798% | 7,434 |
| Return on Equity (ROE) | -13.7599% | 7,554 |
| Retained earnings to average equity (ytd only) | -13.7599% | 7,367 |
| Net charge-offs to loans | 1.4645% | 985 |
| Credit loss provision to net charge-offs | 165.2625% | 2,585 |
| Earnings coverage of net charge-offs (x) | 0.0564% | 4,931 |
| Efficiency ratio | 97.3781% | 1,245 |
| Assets per employee ($millions) | 6.0611% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9244% | 1,570 |
| Loan loss allowance to noncurrent loans | 27.3741% | 6,738 |
| Noncurrent assets plus other real estate owned to assets | 6.0459% | 653 |
| Noncurrent loans to loans | 7.0299% | 571 |
| Net loans and leases to total assets | 76.0616% | 2,254 |
| Net loans and leases to deposits | 114.6284% | 421 |
| Net loans and leases to core deposits | 141.5797% | 1,037 |
| Total domestic deposits to total assets | 66.3549% | 7,709 |
| Equity capital to assets | 8.0650% | 6,721 |
| Core capital (leverage) ratio | 7.5490% | 7,095 |
| Tier 1 risk-based capital ratio | 9.8162% | 7,128 |
| Total risk-based capital ratio | 11.0748% | 7,025 |
| Memoranda: | ||
| Average total assets | $556,016,500 | 1,276 |
| Average earning assets | $502,933,000 | 1,285 |
| Average equity | $43,372,500 | 1,576 |
| Average total loans | $421,437,000 | 1,202 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1493% | 4,781 |
| Cost of funding earning assets | 3.6842% | 282 |
| Net interest margin | 2.4651% | 7,792 |
| Noninterest income to average assets | 0.6748% | 3,295 |
| Noninterest expense to average assets | 2.9849% | 4,137 |
| Loan and lease loss provision to assets | 1.7591% | 723 |
| Net operating income to assets | -1.1392% | 7,319 |
| Return on assets (ROA) | -1.1139% | 7,238 |
| Pretax return on assets | -1.7720% | 7,368 |
| Return on Equity (ROE) | -13.8882% | 7,536 |
| Retained earnings to average equity (ytd only) | -14.4653% | 7,428 |
| Net charge-offs to loans | 2.1518% | 488 |
| Credit loss provision to net charge-offs | 110.6170% | 4,874 |
| Earnings coverage of net charge-offs (x) | -0.0331% | 6,267 |
| Efficiency ratio | 96.9318% | 1,102 |
| Assets per employee ($millions) | 6.2294% | 1,016 |
| Cash dividends to net income (ytd only)* | -4.1549% | 7,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7823% | 1,669 |
| Loan loss allowance to noncurrent loans | 41.4965% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 3.7050% | 1,167 |
| Noncurrent loans to loans | 4.2951% | 1,127 |
| Net loans and leases to total assets | 72.7080% | 3,434 |
| Net loans and leases to deposits | 111.6802% | 725 |
| Net loans and leases to core deposits | 136.8546% | 1,445 |
| Total domestic deposits to total assets | 65.1038% | 7,715 |
| Equity capital to assets | 7.5346% | 7,353 |
| Core capital (leverage) ratio | 7.3138% | 7,398 |
| Tier 1 risk-based capital ratio | 9.2833% | 7,540 |
| Total risk-based capital ratio | 10.5411% | 7,454 |
| Memoranda: | ||
| Average total assets | $540,177,800 | 1,259 |
| Average earning assets | $494,710,400 | 1,248 |
| Average equity | $43,324,400 | 1,555 |
| Average total loans | $399,207,400 | 1,213 |