Home > Community National Bank > Performance and Condition Ratios
Community National Bank, Performance and Condition Ratios
| 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 | 5.0885% | 4,380 |
| Cost of funding earning assets | 2.5252% | 126 |
| Net interest margin | 2.5633% | 7,337 |
| Noninterest income to average assets | -0.7239% | 7,709 |
| Noninterest expense to average assets | 8.0327% | 111 |
| Loan and lease loss provision to assets | -0.2021% | 7,721 |
| Net operating income to assets | -6.8311% | 7,714 |
| Return on assets (ROA) | -6.8311% | 7,716 |
| Pretax return on assets | -6.8238% | 7,706 |
| Return on Equity (ROE) | -68.1028% | 7,632 |
| Retained earnings to average equity (ytd only) | -68.1028% | 7,631 |
| Net charge-offs to loans | 0.4334% | 3,563 |
| Credit loss provision to net charge-offs | -96.4912% | 6,908 |
| Earnings coverage of net charge-offs (x) | -33.5430% | 6,654 |
| Efficiency ratio | 797.8102% | 7 |
| Assets per employee ($millions) | 2.4284% | 7,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7616% | 207 |
| Loan loss allowance to noncurrent loans | 64.0809% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 14.1500% | 183 |
| Noncurrent loans to loans | 7.4306% | 725 |
| Net loans and leases to total assets | 48.1517% | 6,509 |
| Net loans and leases to deposits | 52.7007% | 6,851 |
| Net loans and leases to core deposits | 53.1782% | 7,000 |
| Total domestic deposits to total assets | 91.3681% | 341 |
| Equity capital to assets | 8.4038% | 6,388 |
| Core capital (leverage) ratio | 8.0776% | 6,234 |
| Tier 1 risk-based capital ratio | 10.8379% | 6,517 |
| Total risk-based capital ratio | 12.1124% | 6,476 |
| Memoranda: | ||
| Average total assets | $36,284,000 | 7,083 |
| Average earning assets | $24,499,000 | 7,360 |
| Average equity | $3,639,500 | 7,189 |
| Average total loans | $17,536,750 | 7,148 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1514% | 4,192 |
| Cost of funding earning assets | 2.5836% | 133 |
| Net interest margin | 2.5678% | 7,375 |
| Noninterest income to average assets | 0.3487% | 5,358 |
| Noninterest expense to average assets | 7.7663% | 123 |
| Loan and lease loss provision to assets | -0.2906% | 7,792 |
| Net operating income to assets | -5.4153% | 7,710 |
| Return on assets (ROA) | -5.4153% | 7,713 |
| Pretax return on assets | -5.4047% | 7,695 |
| Return on Equity (ROE) | -51.6590% | 7,618 |
| Retained earnings to average equity (ytd only) | -51.6590% | 7,614 |
| Net charge-offs to loans | 1.8160% | 1,026 |
| Credit loss provision to net charge-offs | -33.5366% | 6,618 |
| Earnings coverage of net charge-offs (x) | -6.5732% | 6,298 |
| Efficiency ratio | 375.0000% | 25 |
| Assets per employee ($millions) | 2.4522% | 7,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7399% | 455 |
| Loan loss allowance to noncurrent loans | 53.8272% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 15.0505% | 146 |
| Noncurrent loans to loans | 6.9480% | 820 |
| Net loans and leases to total assets | 49.0315% | 6,541 |
| Net loans and leases to deposits | 54.6721% | 6,817 |
| Net loans and leases to core deposits | 55.4904% | 6,966 |
| Total domestic deposits to total assets | 89.6828% | 1,080 |
| Equity capital to assets | 10.1599% | 3,821 |
| Core capital (leverage) ratio | 9.6961% | 3,544 |
| Tier 1 risk-based capital ratio | 12.9599% | 4,484 |
| Total risk-based capital ratio | 14.2236% | 4,430 |
| Memoranda: | ||
| Average total assets | $37,855,670 | 7,079 |
| Average earning assets | $25,391,330 | 7,388 |
| Average equity | $3,968,330 | 7,135 |
| Average total loans | $18,062,000 | 7,170 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5731% | 2,272 |
| Cost of funding earning assets | 2.6720% | 133 |
| Net interest margin | 2.9010% | 7,022 |
| Noninterest income to average assets | -0.1817% | 7,800 |
| Noninterest expense to average assets | 7.8651% | 123 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -6.1487% | 7,820 |
| Return on assets (ROA) | -6.1487% | 7,822 |
| Pretax return on assets | -6.1285% | 7,805 |
| Return on Equity (ROE) | -57.8829% | 7,739 |
| Retained earnings to average equity (ytd only) | -57.8829% | 7,730 |
| Net charge-offs to loans | -0.8938% | 7,846 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 452.9070% | 20 |
| Assets per employee ($millions) | 2.7776% | 6,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1819% | 152 |
| Loan loss allowance to noncurrent loans | 78.0342% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 19.3484% | 61 |
| Noncurrent loans to loans | 6.6406% | 934 |
| Net loans and leases to total assets | 42.9604% | 7,063 |
| Net loans and leases to deposits | 47.8696% | 7,243 |
| Net loans and leases to core deposits | 48.8522% | 7,327 |
| Total domestic deposits to total assets | 89.7446% | 1,117 |
| Equity capital to assets | 10.0419% | 3,811 |
| Core capital (leverage) ratio | 9.9946% | 3,167 |
| Tier 1 risk-based capital ratio | 12.2367% | 4,955 |
| Total risk-based capital ratio | 13.5093% | 4,904 |
| Memoranda: | ||
| Average total assets | $39,618,000 | 7,101 |
| Average earning assets | $26,197,500 | 7,458 |
| Average equity | $4,208,500 | 7,109 |
| Average total loans | $18,349,500 | 7,249 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6760% | 7,175 |
| Cost of funding earning assets | 3.5547% | 35 |
| Net interest margin | 1.1213% | 7,914 |
| Noninterest income to average assets | -2.9428% | 8,007 |
| Noninterest expense to average assets | 7.5517% | 168 |
| Loan and lease loss provision to assets | 0.3295% | 4,840 |
| Net operating income to assets | -9.2898% | 7,966 |
| Return on assets (ROA) | -9.2898% | 7,966 |
| Pretax return on assets | -10.0127% | 7,968 |
| Return on Equity (ROE) | -69.5820% | 7,808 |
| Retained earnings to average equity (ytd only) | -69.5820% | 7,806 |
| Net charge-offs to loans | 4.8201% | 290 |
| Credit loss provision to net charge-offs | 13.2450% | 6,966 |
| Earnings coverage of net charge-offs (x) | -3.8924% | 7,084 |
| Efficiency ratio | -354.2995% | 8,008 |
| Assets per employee ($millions) | 2.5218% | 7,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5702% | 237 |
| Loan loss allowance to noncurrent loans | 38.1286% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 22.3748% | 37 |
| Noncurrent loans to loans | 11.9864% | 282 |
| Net loans and leases to total assets | 45.1263% | 7,045 |
| Net loans and leases to deposits | 51.1231% | 7,197 |
| Net loans and leases to core deposits | 73.9051% | 6,537 |
| Total domestic deposits to total assets | 88.2698% | 1,842 |
| Equity capital to assets | 11.1824% | 2,546 |
| Core capital (leverage) ratio | 10.8545% | 2,313 |
| Tier 1 risk-based capital ratio | 13.4042% | 3,880 |
| Total risk-based capital ratio | 14.6757% | 3,818 |
| Memoranda: | ||
| Average total assets | $48,558,400 | 6,768 |
| Average earning assets | $35,137,000 | 7,129 |
| Average equity | $6,483,000 | 6,433 |
| Average total loans | $25,061,600 | 6,913 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8153% | 7,089 |
| Cost of funding earning assets | 3.6911% | 30 |
| Net interest margin | 1.1242% | 8,001 |
| Noninterest income to average assets | -4.2862% | 8,097 |
| Noninterest expense to average assets | 7.3263% | 183 |
| Loan and lease loss provision to assets | 0.4215% | 3,801 |
| Net operating income to assets | -10.4666% | 8,048 |
| Return on assets (ROA) | -10.4666% | 8,048 |
| Pretax return on assets | -11.2068% | 8,054 |
| Return on Equity (ROE) | -75.9374% | 7,948 |
| Retained earnings to average equity (ytd only) | -75.9374% | 7,947 |
| Net charge-offs to loans | 5.2515% | 195 |
| Credit loss provision to net charge-offs | 15.2964% | 6,597 |
| Earnings coverage of net charge-offs (x) | -3.9140% | 6,825 |
| Efficiency ratio | -211.8050% | 8,090 |
| Assets per employee ($millions) | 3.0133% | 6,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0723% | 129 |
| Loan loss allowance to noncurrent loans | 34.5230% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 22.7516% | 29 |
| Noncurrent loans to loans | 14.6925% | 155 |
| Net loans and leases to total assets | 45.9157% | 7,114 |
| Net loans and leases to deposits | 52.2878% | 7,291 |
| Net loans and leases to core deposits | 68.4114% | 7,056 |
| Total domestic deposits to total assets | 87.8135% | 1,741 |
| Equity capital to assets | 11.9803% | 2,248 |
| Core capital (leverage) ratio | 11.1126% | 2,322 |
| Tier 1 risk-based capital ratio | 14.2809% | 3,395 |
| Total risk-based capital ratio | 15.5562% | 3,329 |
| Memoranda: | ||
| Average total assets | $50,610,750 | 6,728 |
| Average earning assets | $37,241,250 | 7,104 |
| Average equity | $6,975,750 | 6,321 |
| Average total loans | $26,557,000 | 6,878 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8844% | 7,069 |
| Cost of funding earning assets | 3.7241% | 51 |
| Net interest margin | 1.1604% | 8,080 |
| Noninterest income to average assets | -3.1337% | 8,188 |
| Noninterest expense to average assets | 7.2109% | 202 |
| Loan and lease loss provision to assets | 0.5990% | 2,652 |
| Net operating income to assets | -9.0941% | 8,099 |
| Return on assets (ROA) | -9.0941% | 8,093 |
| Pretax return on assets | -10.0676% | 8,105 |
| Return on Equity (ROE) | -63.7840% | 7,997 |
| Retained earnings to average equity (ytd only) | -63.7840% | 7,993 |
| Net charge-offs to loans | 3.8311% | 382 |
| Credit loss provision to net charge-offs | 29.1971% | 6,040 |
| Earnings coverage of net charge-offs (x) | -4.6150% | 6,450 |
| Efficiency ratio | -319.4030% | 8,187 |
| Assets per employee ($millions) | 2.6556% | 6,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5056% | 59 |
| Loan loss allowance to noncurrent loans | 31.8437% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 22.6941% | 31 |
| Noncurrent loans to loans | 20.4297% | 50 |
| Net loans and leases to total assets | 46.0597% | 7,187 |
| Net loans and leases to deposits | 56.5176% | 7,127 |
| Net loans and leases to core deposits | 75.0537% | 6,730 |
| Total domestic deposits to total assets | 81.4962% | 4,896 |
| Equity capital to assets | 13.8156% | 1,379 |
| Core capital (leverage) ratio | 12.5154% | 1,622 |
| Tier 1 risk-based capital ratio | 17.2437% | 2,224 |
| Total risk-based capital ratio | 18.5277% | 2,156 |
| Memoranda: | ||
| Average total assets | $53,419,000 | 6,690 |
| Average earning assets | $40,332,330 | 7,042 |
| Average equity | $7,616,330 | 6,142 |
| Average total loans | $28,607,670 | 6,812 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3094% | 7,846 |
| Cost of funding earning assets | 3.5117% | 149 |
| Net interest margin | 0.7977% | 8,180 |
| Noninterest income to average assets | -6.3314% | 8,244 |
| Noninterest expense to average assets | 6.7724% | 218 |
| Loan and lease loss provision to assets | 0.8537% | 1,528 |
| Net operating income to assets | -13.3386% | 8,198 |
| Return on assets (ROA) | -13.3386% | 8,189 |
| Pretax return on assets | -13.3386% | 8,187 |
| Return on Equity (ROE) | -92.3361% | 8,143 |
| Retained earnings to average equity (ytd only) | -92.3361% | 8,137 |
| Net charge-offs to loans | 6.1149% | 154 |
| Credit loss provision to net charge-offs | 25.2101% | 5,006 |
| Earnings coverage of net charge-offs (x) | -3.6870% | 5,534 |
| Efficiency ratio | -118.5554% | 8,233 |
| Assets per employee ($millions) | 3.1154% | 5,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2273% | 98 |
| Loan loss allowance to noncurrent loans | 22.3620% | 7,047 |
| Noncurrent assets plus other real estate owned to assets | 19.1612% | 40 |
| Noncurrent loans to loans | 23.3757% | 30 |
| Net loans and leases to total assets | 50.5662% | 6,806 |
| Net loans and leases to deposits | 61.2441% | 6,790 |
| Net loans and leases to core deposits | 80.0452% | 6,377 |
| Total domestic deposits to total assets | 82.5650% | 4,347 |
| Equity capital to assets | 12.7878% | 1,841 |
| Core capital (leverage) ratio | 12.7177% | 1,594 |
| Tier 1 risk-based capital ratio | 16.4674% | 2,527 |
| Total risk-based capital ratio | 17.7460% | 2,452 |
| Memoranda: | ||
| Average total assets | $56,228,000 | 6,623 |
| Average earning assets | $43,626,000 | 6,952 |
| Average equity | $8,122,500 | 6,010 |
| Average total loans | $31,137,000 | 6,693 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9282% | 5,909 |
| Cost of funding earning assets | 3.7513% | 228 |
| Net interest margin | 2.1769% | 7,972 |
| Noninterest income to average assets | 3.4073% | 168 |
| Noninterest expense to average assets | 7.2459% | 269 |
| Loan and lease loss provision to assets | 2.8536% | 328 |
| Net operating income to assets | -5.3908% | 8,114 |
| Return on assets (ROA) | -5.3908% | 8,105 |
| Pretax return on assets | -4.9569% | 8,021 |
| Return on Equity (ROE) | -37.1810% | 8,048 |
| Retained earnings to average equity (ytd only) | -37.1810% | 8,011 |
| Net charge-offs to loans | 6.3710% | 49 |
| Credit loss provision to net charge-offs | 66.2599% | 6,137 |
| Earnings coverage of net charge-offs (x) | -0.4884% | 6,480 |
| Efficiency ratio | 119.0827% | 581 |
| Assets per employee ($millions) | 2.2552% | 7,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9344% | 57 |
| Loan loss allowance to noncurrent loans | 22.9473% | 7,106 |
| Noncurrent assets plus other real estate owned to assets | 21.7528% | 22 |
| Noncurrent loans to loans | 25.8608% | 16 |
| Net loans and leases to total assets | 53.9811% | 6,655 |
| Net loans and leases to deposits | 68.1460% | 6,453 |
| Net loans and leases to core deposits | 87.0887% | 6,054 |
| Total domestic deposits to total assets | 79.2139% | 5,293 |
| Equity capital to assets | 16.0946% | 912 |
| Core capital (leverage) ratio | 12.3581% | 1,802 |
| Tier 1 risk-based capital ratio | 19.6306% | 1,680 |
| Total risk-based capital ratio | 20.9164% | 1,630 |
| Memoranda: | ||
| Average total assets | $81,825,200 | 5,634 |
| Average earning assets | $65,230,400 | 5,986 |
| Average equity | $11,863,600 | 4,866 |
| Average total loans | $55,313,000 | 5,482 |