Home > Community First Bank > Performance and Condition Ratios
Community First Bank, Performance and Condition Ratios
| 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 | 6.0514% | 1,833 |
| Cost of funding earning assets | 2.3505% | 1,805 |
| Net interest margin | 3.7009% | 4,069 |
| Noninterest income to average assets | 0.6383% | 3,437 |
| Noninterest expense to average assets | 4.1215% | 1,113 |
| Loan and lease loss provision to assets | 0.2634% | 4,853 |
| Net operating income to assets | -0.2253% | 6,104 |
| Return on assets (ROA) | -0.4875% | 6,415 |
| Pretax return on assets | -0.6219% | 6,414 |
| Return on Equity (ROE) | -6.7402% | 6,635 |
| Retained earnings to average equity (ytd only) | -8.9061% | 6,696 |
| Net charge-offs to loans | 0.1772% | 4,983 |
| Credit loss provision to net charge-offs | 210.1695% | 2,095 |
| Earnings coverage of net charge-offs (x) | -0.1780% | 6,263 |
| Efficiency ratio | 100.5441% | 1,035 |
| Assets per employee ($millions) | 3.3738% | 5,218 |
| Cash dividends to net income (ytd only)* | -32.1348% | 7,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6231% | 2,904 |
| Loan loss allowance to noncurrent loans | 71.2817% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.7389% | 3,759 |
| Noncurrent loans to loans | 2.2771% | 3,291 |
| Net loans and leases to total assets | 70.9097% | 3,291 |
| Net loans and leases to deposits | 96.8268% | 1,470 |
| Net loans and leases to core deposits | 108.3946% | 3,424 |
| Total domestic deposits to total assets | 73.2335% | 7,059 |
| Equity capital to assets | 7.2161% | 7,476 |
| Core capital (leverage) ratio | 7.2477% | 7,226 |
| Tier 1 risk-based capital ratio | 10.8348% | 6,122 |
| Total risk-based capital ratio | 12.0887% | 6,075 |
| Memoranda: | ||
| Average total assets | $251,068,750 | 2,617 |
| Average earning assets | $234,784,250 | 2,568 |
| Average equity | $18,159,250 | 3,507 |
| Average total loans | $177,541,250 | 2,573 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0553% | 1,961 |
| Cost of funding earning assets | 2.3252% | 2,258 |
| Net interest margin | 3.7301% | 3,831 |
| Noninterest income to average assets | 0.6675% | 3,210 |
| Noninterest expense to average assets | 3.1349% | 3,559 |
| Loan and lease loss provision to assets | 0.3357% | 3,928 |
| Net operating income to assets | 0.4322% | 4,369 |
| Return on assets (ROA) | 0.3207% | 4,922 |
| Pretax return on assets | 0.5107% | 4,584 |
| Return on Equity (ROE) | 4.4313% | 4,326 |
| Retained earnings to average equity (ytd only) | 1.5678% | 4,459 |
| Net charge-offs to loans | 0.0987% | 5,179 |
| Credit loss provision to net charge-offs | 484.0909% | 957 |
| Earnings coverage of net charge-offs (x) | 14.7159% | 1,635 |
| Efficiency ratio | 75.4409% | 3,796 |
| Assets per employee ($millions) | 3.4267% | 5,010 |
| Cash dividends to net income (ytd only)* | 64.6192% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6550% | 2,508 |
| Loan loss allowance to noncurrent loans | 94.4067% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 1.3512% | 4,250 |
| Noncurrent loans to loans | 1.7530% | 3,881 |
| Net loans and leases to total assets | 69.3655% | 3,857 |
| Net loans and leases to deposits | 98.7536% | 1,428 |
| Net loans and leases to core deposits | 110.5077% | 3,325 |
| Total domestic deposits to total assets | 70.2409% | 7,447 |
| Equity capital to assets | 7.4931% | 7,270 |
| Core capital (leverage) ratio | 7.6983% | 6,760 |
| Tier 1 risk-based capital ratio | 11.3762% | 5,523 |
| Total risk-based capital ratio | 12.6318% | 5,424 |
| Memoranda: | ||
| Average total assets | $253,786,330 | 2,592 |
| Average earning assets | $237,311,000 | 2,551 |
| Average equity | $18,369,330 | 3,497 |
| Average total loans | $178,357,330 | 2,594 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1324% | 1,821 |
| Cost of funding earning assets | 2.3150% | 2,635 |
| Net interest margin | 3.8175% | 3,378 |
| Noninterest income to average assets | 0.5915% | 3,614 |
| Noninterest expense to average assets | 2.8873% | 4,199 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7887% | 3,173 |
| Return on assets (ROA) | 0.7887% | 3,338 |
| Pretax return on assets | 1.2707% | 2,375 |
| Return on Equity (ROE) | 11.0879% | 1,942 |
| Retained earnings to average equity (ytd only) | 5.3019% | 2,958 |
| Net charge-offs to loans | 0.0692% | 4,507 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 26.1935% | 1,185 |
| Efficiency ratio | 69.4392% | 4,692 |
| Assets per employee ($millions) | 3.4874% | 4,854 |
| Cash dividends to net income (ytd only)* | 52.1825% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 3,385 |
| Loan loss allowance to noncurrent loans | 118.4308% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.9341% | 4,853 |
| Noncurrent loans to loans | 1.1995% | 4,571 |
| Net loans and leases to total assets | 69.5343% | 3,793 |
| Net loans and leases to deposits | 101.4133% | 1,243 |
| Net loans and leases to core deposits | 113.3116% | 3,073 |
| Total domestic deposits to total assets | 68.5652% | 7,554 |
| Equity capital to assets | 7.2213% | 7,547 |
| Core capital (leverage) ratio | 7.7131% | 6,872 |
| Tier 1 risk-based capital ratio | 11.3391% | 5,559 |
| Total risk-based capital ratio | 12.5919% | 5,465 |
| Memoranda: | ||
| Average total assets | $255,605,000 | 2,587 |
| Average earning assets | $238,795,500 | 2,545 |
| Average equity | $18,182,000 | 3,542 |
| Average total loans | $179,317,500 | 2,604 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6074% | 2,450 |
| Cost of funding earning assets | 2.9330% | 2,134 |
| Net interest margin | 3.6744% | 4,585 |
| Noninterest income to average assets | 0.6104% | 3,771 |
| Noninterest expense to average assets | 2.6480% | 5,456 |
| Loan and lease loss provision to assets | 0.1106% | 5,957 |
| Net operating income to assets | 0.8806% | 3,090 |
| Return on assets (ROA) | -0.5906% | 6,887 |
| Pretax return on assets | -1.0283% | 7,012 |
| Return on Equity (ROE) | -8.1641% | 7,136 |
| Retained earnings to average equity (ytd only) | -13.0867% | 7,342 |
| Net charge-offs to loans | 0.1491% | 4,717 |
| Credit loss provision to net charge-offs | 111.1111% | 4,847 |
| Earnings coverage of net charge-offs (x) | 13.8774% | 2,099 |
| Efficiency ratio | 65.7235% | 5,186 |
| Assets per employee ($millions) | 3.4680% | 4,756 |
| Cash dividends to net income (ytd only)* | -60.2970% | 8,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 2,964 |
| Loan loss allowance to noncurrent loans | 131.6004% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.8518% | 4,716 |
| Noncurrent loans to loans | 1.0957% | 4,369 |
| Net loans and leases to total assets | 68.7689% | 4,306 |
| Net loans and leases to deposits | 105.2286% | 1,195 |
| Net loans and leases to core deposits | 116.3793% | 3,081 |
| Total domestic deposits to total assets | 65.3519% | 7,696 |
| Equity capital to assets | 7.0062% | 7,736 |
| Core capital (leverage) ratio | 7.5851% | 7,094 |
| Tier 1 risk-based capital ratio | 11.1694% | 5,572 |
| Total risk-based capital ratio | 12.4226% | 5,456 |
| Memoranda: | ||
| Average total assets | $262,269,200 | 2,447 |
| Average earning assets | $244,015,400 | 2,419 |
| Average equity | $18,973,400 | 3,400 |
| Average total loans | $175,047,800 | 2,559 |