Home > Community Security Bank > Performance and Condition Ratios
Community Security Bank, Performance and Condition Ratios
| 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 | 4.6554% | 6,293 |
| Cost of funding earning assets | 2.1405% | 573 |
| Net interest margin | 2.5149% | 7,408 |
| Noninterest income to average assets | 0.2604% | 6,056 |
| Noninterest expense to average assets | 4.0537% | 978 |
| Loan and lease loss provision to assets | 8.7268% | 15 |
| Net operating income to assets | -13.7106% | 7,825 |
| Return on assets (ROA) | -13.7106% | 7,825 |
| Pretax return on assets | -10.4327% | 7,812 |
| Return on Equity (ROE) | -510.6831% | 7,826 |
| Retained earnings to average equity (ytd only) | -510.6831% | 7,826 |
| Net charge-offs to loans | 5.7741% | 148 |
| Credit loss provision to net charge-offs | 199.4473% | 1,980 |
| Earnings coverage of net charge-offs (x) | -0.3899% | 5,977 |
| Efficiency ratio | 172.6624% | 144 |
| Assets per employee ($millions) | 4.3760% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2686% | 91 |
| Loan loss allowance to noncurrent loans | 31.2668% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 25.2084% | 21 |
| Noncurrent loans to loans | 20.0486% | 87 |
| Net loans and leases to total assets | 69.0071% | 3,130 |
| Net loans and leases to deposits | 73.0336% | 4,826 |
| Net loans and leases to core deposits | 76.0209% | 5,193 |
| Total domestic deposits to total assets | 94.4868% | 64 |
| Equity capital to assets | -0.3974% | 7,825 |
| Core capital (leverage) ratio | -0.5750% | 7,826 |
| Tier 1 risk-based capital ratio | -0.6939% | 7,826 |
| Total risk-based capital ratio | -0.6939% | 7,826 |
| Memoranda: | ||
| Average total assets | $107,507,670 | 4,878 |
| Average earning assets | $89,229,670 | 5,128 |
| Average equity | $2,886,330 | 7,450 |
| Average total loans | $81,466,670 | 4,399 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 6,783 |
| Cost of funding earning assets | 2.1129% | 782 |
| Net interest margin | 2.3892% | 7,538 |
| Noninterest income to average assets | 0.5192% | 3,897 |
| Noninterest expense to average assets | 3.3172% | 2,473 |
| Loan and lease loss provision to assets | 10.1319% | 27 |
| Net operating income to assets | -17.2602% | 7,925 |
| Return on assets (ROA) | -17.2602% | 7,925 |
| Pretax return on assets | -10.9035% | 7,903 |
| Return on Equity (ROE) | -422.7398% | 7,914 |
| Retained earnings to average equity (ytd only) | -422.7398% | 7,914 |
| Net charge-offs to loans | 2.3065% | 729 |
| Credit loss provision to net charge-offs | 572.3014% | 757 |
| Earnings coverage of net charge-offs (x) | -0.4358% | 5,259 |
| Efficiency ratio | 130.3116% | 335 |
| Assets per employee ($millions) | 4.6935% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5458% | 124 |
| Loan loss allowance to noncurrent loans | 22.6228% | 6,871 |
| Noncurrent assets plus other real estate owned to assets | 23.7293% | 33 |
| Noncurrent loans to loans | 24.5141% | 39 |
| Net loans and leases to total assets | 72.9701% | 2,209 |
| Net loans and leases to deposits | 78.9837% | 3,842 |
| Net loans and leases to core deposits | 83.8392% | 4,226 |
| Total domestic deposits to total assets | 92.3864% | 178 |
| Equity capital to assets | 1.9916% | 7,887 |
| Core capital (leverage) ratio | 1.7695% | 7,890 |
| Tier 1 risk-based capital ratio | 2.1173% | 7,897 |
| Total risk-based capital ratio | 3.4051% | 7,897 |
| Memoranda: | ||
| Average total assets | $110,937,000 | 4,852 |
| Average earning assets | $94,088,500 | 5,046 |
| Average equity | $4,529,500 | 6,991 |
| Average total loans | $85,150,000 | 4,347 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8040% | 6,946 |
| Cost of funding earning assets | 2.4458% | 1,174 |
| Net interest margin | 2.3582% | 7,534 |
| Noninterest income to average assets | 1.0755% | 1,332 |
| Noninterest expense to average assets | 3.6188% | 2,101 |
| Loan and lease loss provision to assets | 4.7220% | 229 |
| Net operating income to assets | -3.0782% | 7,411 |
| Return on assets (ROA) | -3.0567% | 7,416 |
| Pretax return on assets | -5.0833% | 7,717 |
| Return on Equity (ROE) | -39.4449% | 7,560 |
| Retained earnings to average equity (ytd only) | -39.4449% | 7,545 |
| Net charge-offs to loans | 5.7612% | 186 |
| Credit loss provision to net charge-offs | 98.3721% | 5,664 |
| Earnings coverage of net charge-offs (x) | -0.0823% | 6,313 |
| Efficiency ratio | 112.2492% | 764 |
| Assets per employee ($millions) | 4.9532% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6547% | 1,064 |
| Loan loss allowance to noncurrent loans | 10.5874% | 7,360 |
| Noncurrent assets plus other real estate owned to assets | 22.6205% | 34 |
| Noncurrent loans to loans | 25.0739% | 36 |
| Net loans and leases to total assets | 74.2572% | 2,215 |
| Net loans and leases to deposits | 83.8099% | 3,313 |
| Net loans and leases to core deposits | 112.8925% | 2,610 |
| Total domestic deposits to total assets | 88.6020% | 1,674 |
| Equity capital to assets | 6.0646% | 7,655 |
| Core capital (leverage) ratio | 2.5120% | 7,930 |
| Tier 1 risk-based capital ratio | 2.9395% | 7,948 |
| Total risk-based capital ratio | 4.1891% | 7,949 |
| Memoranda: | ||
| Average total assets | $119,018,000 | 4,604 |
| Average earning assets | $108,430,200 | 4,616 |
| Average equity | $9,223,000 | 5,541 |
| Average total loans | $99,162,600 | 3,975 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0806% | 6,337 |
| Cost of funding earning assets | 2.5151% | 1,249 |
| Net interest margin | 2.5655% | 7,391 |
| Noninterest income to average assets | 1.1040% | 1,297 |
| Noninterest expense to average assets | 3.1245% | 3,562 |
| Loan and lease loss provision to assets | 3.3473% | 408 |
| Net operating income to assets | -1.7829% | 7,228 |
| Return on assets (ROA) | -1.7801% | 7,229 |
| Pretax return on assets | -2.9971% | 7,499 |
| Return on Equity (ROE) | -21.8465% | 7,438 |
| Retained earnings to average equity (ytd only) | -21.8465% | 7,404 |
| Net charge-offs to loans | 1.2077% | 1,684 |
| Credit loss provision to net charge-offs | 326.1339% | 1,262 |
| Earnings coverage of net charge-offs (x) | 0.3369% | 5,688 |
| Efficiency ratio | 90.0351% | 1,687 |
| Assets per employee ($millions) | 5.0044% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5702% | 201 |
| Loan loss allowance to noncurrent loans | 20.7510% | 7,054 |
| Noncurrent assets plus other real estate owned to assets | 20.6726% | 43 |
| Noncurrent loans to loans | 22.0242% | 51 |
| Net loans and leases to total assets | 78.1118% | 1,547 |
| Net loans and leases to deposits | 89.4637% | 2,684 |
| Net loans and leases to core deposits | 114.6571% | 2,765 |
| Total domestic deposits to total assets | 87.3112% | 2,008 |
| Equity capital to assets | 7.5142% | 7,283 |
| Core capital (leverage) ratio | 5.1701% | 7,909 |
| Tier 1 risk-based capital ratio | 5.8723% | 7,958 |
| Total risk-based capital ratio | 7.1214% | 7,963 |
| Memoranda: | ||
| Average total assets | $120,291,750 | 4,587 |
| Average earning assets | $110,955,750 | 4,559 |
| Average equity | $9,801,500 | 5,399 |
| Average total loans | $102,227,500 | 3,933 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5702% | 4,215 |
| Cost of funding earning assets | 2.6009% | 1,282 |
| Net interest margin | 2.9693% | 6,636 |
| Noninterest income to average assets | 1.3311% | 867 |
| Noninterest expense to average assets | 2.9147% | 4,453 |
| Loan and lease loss provision to assets | 3.3235% | 440 |
| Net operating income to assets | -1.2929% | 7,158 |
| Return on assets (ROA) | -1.2929% | 7,164 |
| Pretax return on assets | -2.1620% | 7,333 |
| Return on Equity (ROE) | -15.4667% | 7,351 |
| Retained earnings to average equity (ytd only) | -15.4667% | 7,265 |
| Net charge-offs to loans | 1.2054% | 1,522 |
| Credit loss provision to net charge-offs | 320.5128% | 1,454 |
| Earnings coverage of net charge-offs (x) | 1.1202% | 4,684 |
| Efficiency ratio | 71.5043% | 4,507 |
| Assets per employee ($millions) | 5.0667% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7085% | 320 |
| Loan loss allowance to noncurrent loans | 31.8565% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 13.6899% | 130 |
| Noncurrent loans to loans | 11.6412% | 244 |
| Net loans and leases to total assets | 80.6071% | 1,210 |
| Net loans and leases to deposits | 92.8800% | 2,297 |
| Net loans and leases to core deposits | 112.3994% | 3,090 |
| Total domestic deposits to total assets | 86.7863% | 2,360 |
| Equity capital to assets | 8.0361% | 6,709 |
| Core capital (leverage) ratio | 6.9827% | 7,553 |
| Tier 1 risk-based capital ratio | 7.6066% | 7,947 |
| Total risk-based capital ratio | 8.8830% | 7,957 |
| Memoranda: | ||
| Average total assets | $120,353,670 | 4,622 |
| Average earning assets | $111,270,330 | 4,595 |
| Average equity | $10,060,330 | 5,346 |
| Average total loans | $103,533,330 | 3,924 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6322% | 4,161 |
| Cost of funding earning assets | 2.6840% | 1,313 |
| Net interest margin | 2.9482% | 6,619 |
| Noninterest income to average assets | 0.2272% | 6,641 |
| Noninterest expense to average assets | 2.9065% | 4,140 |
| Loan and lease loss provision to assets | 3.7418% | 265 |
| Net operating income to assets | -2.1482% | 7,700 |
| Return on assets (ROA) | -2.1482% | 7,698 |
| Pretax return on assets | -3.6616% | 7,863 |
| Return on Equity (ROE) | -25.2046% | 7,848 |
| Retained earnings to average equity (ytd only) | -25.2046% | 7,775 |
| Net charge-offs to loans | 1.2912% | 1,090 |
| Credit loss provision to net charge-offs | 332.3442% | 1,501 |
| Earnings coverage of net charge-offs (x) | 0.0712% | 4,924 |
| Efficiency ratio | 97.3154% | 1,252 |
| Assets per employee ($millions) | 4.9357% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0789% | 453 |
| Loan loss allowance to noncurrent loans | 27.9589% | 6,694 |
| Noncurrent assets plus other real estate owned to assets | 10.7803% | 187 |
| Noncurrent loans to loans | 11.0124% | 222 |
| Net loans and leases to total assets | 84.5581% | 613 |
| Net loans and leases to deposits | 96.1359% | 1,921 |
| Net loans and leases to core deposits | 114.9551% | 2,913 |
| Total domestic deposits to total assets | 87.9568% | 1,764 |
| Equity capital to assets | 8.3752% | 6,276 |
| Core capital (leverage) ratio | 7.4700% | 7,191 |
| Tier 1 risk-based capital ratio | 8.3974% | 7,960 |
| Total risk-based capital ratio | 9.6104% | 8,000 |
| Memoranda: | ||
| Average total assets | $119,730,000 | 4,665 |
| Average earning assets | $112,070,000 | 4,584 |
| Average equity | $10,204,500 | 5,323 |
| Average total loans | $104,403,000 | 3,922 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6663% | 6,882 |
| Cost of funding earning assets | 3.1616% | 1,310 |
| Net interest margin | 2.5046% | 7,747 |
| Noninterest income to average assets | 0.9438% | 1,799 |
| Noninterest expense to average assets | 2.6132% | 5,600 |
| Loan and lease loss provision to assets | 2.4112% | 443 |
| Net operating income to assets | -0.9988% | 7,250 |
| Return on assets (ROA) | -0.9934% | 7,166 |
| Pretax return on assets | -1.7166% | 7,347 |
| Return on Equity (ROE) | -9.9155% | 7,274 |
| Retained earnings to average equity (ytd only) | -15.7975% | 7,506 |
| Net charge-offs to loans | 1.5641% | 737 |
| Credit loss provision to net charge-offs | 178.2203% | 2,836 |
| Earnings coverage of net charge-offs (x) | 0.5072% | 5,929 |
| Efficiency ratio | 79.2039% | 2,724 |
| Assets per employee ($millions) | 5.0418% | 1,914 |
| Cash dividends to net income (ytd only)* | -59.3220% | 8,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2748% | 880 |
| Loan loss allowance to noncurrent loans | 21.5389% | 7,163 |
| Noncurrent assets plus other real estate owned to assets | 10.4849% | 140 |
| Noncurrent loans to loans | 10.5615% | 187 |
| Net loans and leases to total assets | 85.1714% | 708 |
| Net loans and leases to deposits | 97.6946% | 2,172 |
| Net loans and leases to core deposits | 115.9711% | 3,122 |
| Total domestic deposits to total assets | 87.1813% | 1,850 |
| Equity capital to assets | 8.6676% | 5,853 |
| Core capital (leverage) ratio | 8.0239% | 6,450 |
| Tier 1 risk-based capital ratio | 9.1403% | 7,674 |
| Total risk-based capital ratio | 10.4123% | 7,619 |
| Memoranda: | ||
| Average total assets | $118,781,400 | 4,553 |
| Average earning assets | $111,714,000 | 4,480 |
| Average equity | $11,900,600 | 4,854 |
| Average total loans | $102,743,000 | 3,877 |