Home > Community National Bank of Sarasota County > Performance and Condition Ratios
Community National Bank of Sarasota County, Performance and Condition Ratios
| 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 | 5.7839% | 3,124 |
| Cost of funding earning assets | 2.7529% | 899 |
| Net interest margin | 3.0310% | 6,461 |
| Noninterest income to average assets | -2.4738% | 8,180 |
| Noninterest expense to average assets | 4.6166% | 685 |
| Loan and lease loss provision to assets | 14.6890% | 11 |
| Net operating income to assets | -19.1244% | 8,171 |
| Return on assets (ROA) | -19.1244% | 8,170 |
| Pretax return on assets | -19.1244% | 8,169 |
| Return on Equity (ROE) | -564.3583% | 8,184 |
| Retained earnings to average equity (ytd only) | -564.3583% | 8,184 |
| Net charge-offs to loans | 11.2346% | 43 |
| Credit loss provision to net charge-offs | 155.1694% | 2,963 |
| Earnings coverage of net charge-offs (x) | -0.4685% | 6,058 |
| Efficiency ratio | 2,548.2759% | 10 |
| Assets per employee ($millions) | 2.8915% | 6,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3120% | 105 |
| Loan loss allowance to noncurrent loans | 44.6660% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 12.0147% | 182 |
| Noncurrent loans to loans | 11.8927% | 233 |
| Net loans and leases to total assets | 78.9664% | 1,531 |
| Net loans and leases to deposits | 79.1169% | 4,682 |
| Net loans and leases to core deposits | 105.4937% | 3,901 |
| Total domestic deposits to total assets | 99.8098% | 10 |
| Equity capital to assets | -0.8116% | 8,178 |
| Core capital (leverage) ratio | -0.8746% | 8,179 |
| Tier 1 risk-based capital ratio | -1.2246% | 8,180 |
| Total risk-based capital ratio | -1.2246% | 8,178 |
| Memoranda: | ||
| Average total assets | $96,044,670 | 5,284 |
| Average earning assets | $84,130,670 | 5,408 |
| Average equity | $3,254,670 | 7,647 |
| Average total loans | $80,928,670 | 4,560 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8198% | 3,200 |
| Cost of funding earning assets | 2.6529% | 1,403 |
| Net interest margin | 3.1669% | 5,960 |
| Noninterest income to average assets | -1.4560% | 8,226 |
| Noninterest expense to average assets | 4.4089% | 778 |
| Loan and lease loss provision to assets | 23.1077% | 5 |
| Net operating income to assets | -26.1505% | 8,231 |
| Return on assets (ROA) | -26.1505% | 8,227 |
| Pretax return on assets | -26.1505% | 8,227 |
| Return on Equity (ROE) | -486.4670% | 8,235 |
| Retained earnings to average equity (ytd only) | -486.4670% | 8,235 |
| Net charge-offs to loans | 16.4424% | 25 |
| Credit loss provision to net charge-offs | 165.9812% | 2,579 |
| Earnings coverage of net charge-offs (x) | -0.2186% | 5,144 |
| Efficiency ratio | 322.7545% | 71 |
| Assets per employee ($millions) | 2.9879% | 6,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7852% | 121 |
| Loan loss allowance to noncurrent loans | 47.4876% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 11.0330% | 180 |
| Noncurrent loans to loans | 10.0767% | 283 |
| Net loans and leases to total assets | 79.8511% | 1,418 |
| Net loans and leases to deposits | 82.4893% | 4,207 |
| Net loans and leases to core deposits | 104.4418% | 4,090 |
| Total domestic deposits to total assets | 96.8017% | 12 |
| Equity capital to assets | 2.1723% | 8,220 |
| Core capital (leverage) ratio | 1.9135% | 8,221 |
| Tier 1 risk-based capital ratio | 2.6161% | 8,220 |
| Total risk-based capital ratio | 3.9146% | 8,221 |
| Memoranda: | ||
| Average total assets | $97,803,000 | 5,245 |
| Average earning assets | $87,151,500 | 5,315 |
| Average equity | $5,257,500 | 7,033 |
| Average total loans | $82,810,500 | 4,536 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4394% | 3,225 |
| Cost of funding earning assets | 2.7058% | 3,138 |
| Net interest margin | 3.7337% | 4,306 |
| Noninterest income to average assets | 0.5864% | 3,958 |
| Noninterest expense to average assets | 4.3471% | 996 |
| Loan and lease loss provision to assets | 2.7458% | 353 |
| Net operating income to assets | -3.1215% | 7,852 |
| Return on assets (ROA) | -3.1215% | 7,824 |
| Pretax return on assets | -3.1215% | 7,738 |
| Return on Equity (ROE) | -37.4838% | 8,054 |
| Retained earnings to average equity (ytd only) | -37.4838% | 8,016 |
| Net charge-offs to loans | 2.5002% | 382 |
| Credit loss provision to net charge-offs | 127.7119% | 4,178 |
| Earnings coverage of net charge-offs (x) | -0.1748% | 6,360 |
| Efficiency ratio | 109.4627% | 717 |
| Assets per employee ($millions) | 2.8569% | 6,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8622% | 1,502 |
| Loan loss allowance to noncurrent loans | 12.3333% | 7,466 |
| Noncurrent assets plus other real estate owned to assets | 15.8111% | 55 |
| Noncurrent loans to loans | 15.0990% | 69 |
| Net loans and leases to total assets | 83.8509% | 907 |
| Net loans and leases to deposits | 92.5370% | 3,045 |
| Net loans and leases to core deposits | 116.9729% | 3,008 |
| Total domestic deposits to total assets | 90.6133% | 451 |
| Equity capital to assets | 8.4386% | 6,190 |
| Core capital (leverage) ratio | 8.2842% | 5,987 |
| Tier 1 risk-based capital ratio | 10.7359% | 5,966 |
| Total risk-based capital ratio | 11.9953% | 5,872 |
| Memoranda: | ||
| Average total assets | $105,909,000 | 4,879 |
| Average earning assets | $96,017,600 | 4,921 |
| Average equity | $8,819,800 | 5,799 |
| Average total loans | $91,071,800 | 4,192 |