Home > Consolidated Bank and Trust Company > Performance and Condition Ratios
Consolidated Bank and Trust Company, 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 | 5.1529% | 2,421 |
| Cost of funding earning assets | 0.4657% | 7,077 |
| Net interest margin | 4.6872% | 732 |
| Noninterest income to average assets | 0.5023% | 3,864 |
| Noninterest expense to average assets | 3.6835% | 1,566 |
| Loan and lease loss provision to assets | 0.3241% | 2,603 |
| Net operating income to assets | 0.4861% | 4,546 |
| Return on assets (ROA) | 0.4861% | 4,628 |
| Pretax return on assets | 0.7345% | 4,168 |
| Return on Equity (ROE) | 4.7372% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.7372% | 3,356 |
| Net charge-offs to loans | 0.0904% | 4,038 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 19.6000% | 1,135 |
| Efficiency ratio | 77.6765% | 2,899 |
| Assets per employee ($millions) | 3.1087% | 5,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6704% | 7,112 |
| Loan loss allowance to noncurrent loans | 5.0068% | 7,048 |
| Noncurrent assets plus other real estate owned to assets | 9.6951% | 435 |
| Noncurrent loans to loans | 13.3893% | 209 |
| Net loans and leases to total assets | 60.9259% | 4,092 |
| Net loans and leases to deposits | 68.7456% | 4,562 |
| Net loans and leases to core deposits | 81.0712% | 3,598 |
| Total domestic deposits to total assets | 88.6252% | 2,003 |
| Equity capital to assets | 10.7147% | 2,970 |
| Core capital (leverage) ratio | 9.9748% | 3,168 |
| Tier 1 risk-based capital ratio | 15.8915% | 2,958 |
| Total risk-based capital ratio | 16.5332% | 3,228 |
| Memoranda: | ||
| Average total assets | $74,060,500 | 5,757 |
| Average earning assets | $66,991,000 | 5,765 |
| Average equity | $7,599,500 | 5,742 |
| Average total loans | $44,257,500 | 5,644 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9333% | 978 |
| Cost of funding earning assets | 0.4811% | 7,325 |
| Net interest margin | 5.4522% | 187 |
| Noninterest income to average assets | 0.5644% | 3,712 |
| Noninterest expense to average assets | 3.4855% | 2,218 |
| Loan and lease loss provision to assets | 0.2207% | 5,063 |
| Net operating income to assets | 1.1605% | 1,509 |
| Return on assets (ROA) | 1.1605% | 1,594 |
| Pretax return on assets | 1.7566% | 838 |
| Return on Equity (ROE) | 12.3360% | 1,248 |
| Retained earnings to average equity (ytd only) | 12.3360% | 249 |
| Net charge-offs to loans | -0.0499% | 7,446 |
| Credit loss provision to net charge-offs | -695.8333% | 7,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8035% | 5,385 |
| Assets per employee ($millions) | 3.3313% | 5,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5464% | 7,321 |
| Loan loss allowance to noncurrent loans | 4.6081% | 7,128 |
| Noncurrent assets plus other real estate owned to assets | 8.2941% | 577 |
| Noncurrent loans to loans | 11.8565% | 301 |
| Net loans and leases to total assets | 57.9671% | 5,028 |
| Net loans and leases to deposits | 64.6300% | 5,555 |
| Net loans and leases to core deposits | 75.1586% | 4,835 |
| Total domestic deposits to total assets | 89.6908% | 1,276 |
| Equity capital to assets | 9.8380% | 3,957 |
| Core capital (leverage) ratio | 9.9714% | 3,127 |
| Tier 1 risk-based capital ratio | 15.8608% | 2,813 |
| Total risk-based capital ratio | 16.3852% | 3,123 |
| Memoranda: | ||
| Average total assets | $75,656,200 | 5,725 |
| Average earning assets | $67,972,000 | 5,736 |
| Average equity | $7,117,400 | 5,992 |
| Average total loans | $48,048,200 | 5,560 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0588% | 829 |
| Cost of funding earning assets | 0.4766% | 7,477 |
| Net interest margin | 5.5823% | 150 |
| Noninterest income to average assets | 0.5375% | 3,890 |
| Noninterest expense to average assets | 3.5377% | 1,942 |
| Loan and lease loss provision to assets | 0.2422% | 4,661 |
| Net operating income to assets | 1.1545% | 1,723 |
| Return on assets (ROA) | 1.1545% | 1,818 |
| Pretax return on assets | 1.7485% | 1,015 |
| Return on Equity (ROE) | 12.4160% | 1,403 |
| Retained earnings to average equity (ytd only) | 12.4160% | 414 |
| Net charge-offs to loans | -0.0518% | 7,475 |
| Credit loss provision to net charge-offs | -721.0526% | 7,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9910% | 5,239 |
| Assets per employee ($millions) | 3.0016% | 6,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4478% | 7,495 |
| Loan loss allowance to noncurrent loans | 4.0340% | 7,243 |
| Noncurrent assets plus other real estate owned to assets | 8.6634% | 543 |
| Noncurrent loans to loans | 11.0997% | 343 |
| Net loans and leases to total assets | 64.5039% | 4,015 |
| Net loans and leases to deposits | 72.5768% | 4,754 |
| Net loans and leases to core deposits | 85.1296% | 3,780 |
| Total domestic deposits to total assets | 88.8769% | 1,457 |
| Equity capital to assets | 10.4985% | 3,519 |
| Core capital (leverage) ratio | 9.8180% | 3,463 |
| Tier 1 risk-based capital ratio | 14.8800% | 3,313 |
| Total risk-based capital ratio | 15.3047% | 3,766 |
| Memoranda: | ||
| Average total assets | $75,415,000 | 5,796 |
| Average earning assets | $67,426,000 | 5,820 |
| Average equity | $7,012,250 | 6,108 |
| Average total loans | $48,895,500 | 5,609 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9666% | 1,025 |
| Cost of funding earning assets | 0.4488% | 7,606 |
| Net interest margin | 5.5178% | 162 |
| Noninterest income to average assets | 0.5252% | 3,916 |
| Noninterest expense to average assets | 3.4675% | 2,105 |
| Loan and lease loss provision to assets | 0.1568% | 5,331 |
| Net operating income to assets | 1.1994% | 1,563 |
| Return on assets (ROA) | 1.1994% | 1,634 |
| Pretax return on assets | 1.8160% | 861 |
| Return on Equity (ROE) | 13.4433% | 1,152 |
| Retained earnings to average equity (ytd only) | 13.4433% | 344 |
| Net charge-offs to loans | -0.0645% | 7,487 |
| Credit loss provision to net charge-offs | -375.0000% | 6,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7368% | 5,382 |
| Assets per employee ($millions) | 3.3127% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2672% | 7,677 |
| Loan loss allowance to noncurrent loans | 1.9846% | 7,324 |
| Noncurrent assets plus other real estate owned to assets | 9.9223% | 414 |
| Noncurrent loans to loans | 13.4656% | 216 |
| Net loans and leases to total assets | 63.1851% | 4,424 |
| Net loans and leases to deposits | 70.3954% | 5,223 |
| Net loans and leases to core deposits | 83.1454% | 4,257 |
| Total domestic deposits to total assets | 89.7575% | 1,045 |
| Equity capital to assets | 9.5876% | 4,568 |
| Core capital (leverage) ratio | 8.9731% | 4,647 |
| Tier 1 risk-based capital ratio | 13.3673% | 4,157 |
| Total risk-based capital ratio | 13.6129% | 4,963 |
| Memoranda: | ||
| Average total assets | $76,540,330 | 5,787 |
| Average earning assets | $68,179,330 | 5,822 |
| Average equity | $6,828,670 | 6,196 |
| Average total loans | $49,635,000 | 5,623 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1788% | 670 |
| Cost of funding earning assets | 0.4198% | 7,759 |
| Net interest margin | 5.7590% | 133 |
| Noninterest income to average assets | 0.5266% | 3,843 |
| Noninterest expense to average assets | 3.5143% | 1,944 |
| Loan and lease loss provision to assets | 0.1564% | 4,968 |
| Net operating income to assets | 1.2775% | 1,343 |
| Return on assets (ROA) | 1.2775% | 1,412 |
| Pretax return on assets | 1.9344% | 687 |
| Return on Equity (ROE) | 14.8699% | 903 |
| Retained earnings to average equity (ytd only) | 14.8699% | 426 |
| Net charge-offs to loans | -0.0715% | 7,447 |
| Credit loss provision to net charge-offs | -333.3333% | 6,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6977% | 5,709 |
| Assets per employee ($millions) | 3.3283% | 5,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1853% | 7,817 |
| Loan loss allowance to noncurrent loans | 1.6746% | 7,400 |
| Noncurrent assets plus other real estate owned to assets | 8.5615% | 550 |
| Noncurrent loans to loans | 11.0686% | 353 |
| Net loans and leases to total assets | 64.7194% | 4,161 |
| Net loans and leases to deposits | 71.5044% | 5,123 |
| Net loans and leases to core deposits | 79.5453% | 4,823 |
| Total domestic deposits to total assets | 90.5110% | 730 |
| Equity capital to assets | 8.7823% | 5,583 |
| Core capital (leverage) ratio | 8.3682% | 5,613 |
| Tier 1 risk-based capital ratio | 11.9625% | 5,235 |
| Total risk-based capital ratio | 12.1322% | 6,244 |
| Memoranda: | ||
| Average total assets | $76,714,500 | 5,858 |
| Average earning assets | $67,650,500 | 5,918 |
| Average equity | $6,590,500 | 6,322 |
| Average total loans | $50,317,000 | 5,654 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6163% | 7,946 |
| Cost of funding earning assets | 0.0974% | 7,967 |
| Net interest margin | 1.5188% | 7,862 |
| Noninterest income to average assets | 0.1015% | 7,259 |
| Noninterest expense to average assets | 0.8869% | 7,953 |
| Loan and lease loss provision to assets | 0.0583% | 6,980 |
| Net operating income to assets | 0.3431% | 4,361 |
| Return on assets (ROA) | 0.3431% | 4,452 |
| Pretax return on assets | 0.5204% | 4,131 |
| Return on Equity (ROE) | 3.6738% | 4,218 |
| Retained earnings to average equity (ytd only) | 3.6738% | 2,619 |
| Net charge-offs to loans | -0.0050% | 7,719 |
| Credit loss provision to net charge-offs | -1,666.6667% | 7,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5096% | 6,406 |
| Assets per employee ($millions) | 3.0751% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1039% | 7,914 |
| Loan loss allowance to noncurrent loans | 1.0653% | 7,438 |
| Noncurrent assets plus other real estate owned to assets | 7.8502% | 585 |
| Noncurrent loans to loans | 9.7553% | 434 |
| Net loans and leases to total assets | 66.2682% | 4,089 |
| Net loans and leases to deposits | 72.7422% | 5,231 |
| Net loans and leases to core deposits | 90.4098% | 5,079 |
| Total domestic deposits to total assets | 91.1001% | 499 |
| Equity capital to assets | 8.4004% | 6,057 |
| Core capital (leverage) ratio | 7.9416% | 6,274 |
| Tier 1 risk-based capital ratio | 11.7666% | 5,141 |
| Total risk-based capital ratio | 11.8623% | 6,263 |
| Memoranda: | ||
| Average total assets | $85,695,200 | 5,536 |
| Average earning assets | $76,968,000 | 5,562 |
| Average equity | $8,002,600 | 5,921 |
| Average total loans | $59,941,000 | 5,253 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5446% | 4,185 |
| Cost of funding earning assets | 1.0083% | 7,372 |
| Net interest margin | 4.5363% | 1,106 |
| Noninterest income to average assets | 0.4672% | 4,768 |
| Noninterest expense to average assets | 4.4383% | 797 |
| Loan and lease loss provision to assets | 0.9784% | 1,957 |
| Net operating income to assets | -0.5506% | 6,480 |
| Return on assets (ROA) | -0.5506% | 6,477 |
| Pretax return on assets | -0.8343% | 6,562 |
| Return on Equity (ROE) | -5.7695% | 6,532 |
| Retained earnings to average equity (ytd only) | -6.9616% | 6,502 |
| Net charge-offs to loans | 0.1522% | 5,194 |
| Credit loss provision to net charge-offs | 908.4507% | 412 |
| Earnings coverage of net charge-offs (x) | 1.3381% | 4,783 |
| Efficiency ratio | 96.8553% | 1,220 |
| Assets per employee ($millions) | 3.1080% | 5,887 |
| Cash dividends to net income (ytd only)* | -20.6616% | 7,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8877% | 730 |
| Loan loss allowance to noncurrent loans | 22.3898% | 6,946 |
| Noncurrent assets plus other real estate owned to assets | 9.4154% | 390 |
| Noncurrent loans to loans | 12.8976% | 230 |
| Net loans and leases to total assets | 68.4077% | 3,863 |
| Net loans and leases to deposits | 76.4422% | 4,964 |
| Net loans and leases to core deposits | 92.0911% | 5,225 |
| Total domestic deposits to total assets | 89.4895% | 969 |
| Equity capital to assets | 9.8599% | 4,258 |
| Core capital (leverage) ratio | 9.5068% | 3,901 |
| Tier 1 risk-based capital ratio | 13.3603% | 3,952 |
| Total risk-based capital ratio | 14.6302% | 3,882 |
| Memoranda: | ||
| Average total assets | $87,899,750 | 5,482 |
| Average earning assets | $79,739,500 | 5,500 |
| Average equity | $8,388,750 | 5,858 |
| Average total loans | $62,176,750 | 5,203 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3925% | 5,189 |
| Cost of funding earning assets | 1.0447% | 7,473 |
| Net interest margin | 4.3479% | 1,531 |
| Noninterest income to average assets | 0.4460% | 4,883 |
| Noninterest expense to average assets | 4.1019% | 1,189 |
| Loan and lease loss provision to assets | 1.4121% | 1,226 |
| Net operating income to assets | -0.7217% | 6,771 |
| Return on assets (ROA) | -0.7217% | 6,774 |
| Pretax return on assets | -1.0938% | 6,878 |
| Return on Equity (ROE) | -7.6421% | 6,866 |
| Retained earnings to average equity (ytd only) | -7.6421% | 6,630 |
| Net charge-offs to loans | 0.1867% | 4,393 |
| Credit loss provision to net charge-offs | 1,067.7966% | 464 |
| Earnings coverage of net charge-offs (x) | 2.4068% | 3,860 |
| Efficiency ratio | 92.7992% | 1,584 |
| Assets per employee ($millions) | 3.2054% | 5,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7786% | 692 |
| Loan loss allowance to noncurrent loans | 20.3877% | 7,107 |
| Noncurrent assets plus other real estate owned to assets | 9.6572% | 321 |
| Noncurrent loans to loans | 13.6288% | 165 |
| Net loans and leases to total assets | 68.8897% | 3,973 |
| Net loans and leases to deposits | 76.4179% | 5,104 |
| Net loans and leases to core deposits | 88.4573% | 5,681 |
| Total domestic deposits to total assets | 90.1487% | 769 |
| Equity capital to assets | 9.4134% | 4,726 |
| Core capital (leverage) ratio | 9.2484% | 4,240 |
| Tier 1 risk-based capital ratio | 12.8806% | 4,226 |
| Total risk-based capital ratio | 14.1512% | 4,127 |
| Memoranda: | ||
| Average total assets | $89,227,670 | 5,488 |
| Average earning assets | $81,557,000 | 5,485 |
| Average equity | $8,427,000 | 5,875 |
| Average total loans | $63,198,330 | 5,199 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3631% | 5,600 |
| Cost of funding earning assets | 1.1064% | 7,510 |
| Net interest margin | 4.2567% | 1,722 |
| Noninterest income to average assets | 0.4593% | 4,690 |
| Noninterest expense to average assets | 4.0544% | 1,123 |
| Loan and lease loss provision to assets | 2.7162% | 411 |
| Net operating income to assets | -1.5988% | 7,542 |
| Return on assets (ROA) | -1.5988% | 7,544 |
| Pretax return on assets | -2.4203% | 7,647 |
| Return on Equity (ROE) | -16.9021% | 7,671 |
| Retained earnings to average equity (ytd only) | -16.9021% | 7,528 |
| Net charge-offs to loans | 0.3118% | 2,855 |
| Credit loss provision to net charge-offs | 1,230.0000% | 515 |
| Earnings coverage of net charge-offs (x) | 1.3400% | 4,070 |
| Efficiency ratio | 93.1980% | 1,484 |
| Assets per employee ($millions) | 2.9021% | 6,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6733% | 643 |
| Loan loss allowance to noncurrent loans | 22.2484% | 7,050 |
| Noncurrent assets plus other real estate owned to assets | 8.4834% | 324 |
| Noncurrent loans to loans | 12.0155% | 177 |
| Net loans and leases to total assets | 68.7164% | 3,969 |
| Net loans and leases to deposits | 76.0160% | 5,223 |
| Net loans and leases to core deposits | 87.4115% | 5,793 |
| Total domestic deposits to total assets | 90.3973% | 644 |
| Equity capital to assets | 9.3115% | 4,924 |
| Core capital (leverage) ratio | 9.0877% | 4,575 |
| Tier 1 risk-based capital ratio | 12.2453% | 4,748 |
| Total risk-based capital ratio | 13.5121% | 4,646 |
| Memoranda: | ||
| Average total assets | $90,568,000 | 5,467 |
| Average earning assets | $82,788,000 | 5,465 |
| Average equity | $8,567,000 | 5,860 |
| Average total loans | $64,134,500 | 5,198 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4860% | 3,027 |
| Cost of funding earning assets | 1.6321% | 7,379 |
| Net interest margin | 4.8538% | 699 |
| Noninterest income to average assets | 0.4466% | 5,065 |
| Noninterest expense to average assets | 4.5359% | 863 |
| Loan and lease loss provision to assets | 0.3285% | 3,762 |
| Net operating income to assets | 0.0212% | 6,310 |
| Return on assets (ROA) | 0.0212% | 6,165 |
| Pretax return on assets | 0.0234% | 6,109 |
| Return on Equity (ROE) | 0.2153% | 6,159 |
| Retained earnings to average equity (ytd only) | -3.1848% | 6,150 |
| Net charge-offs to loans | 0.3168% | 3,274 |
| Credit loss provision to net charge-offs | 149.7462% | 3,518 |
| Earnings coverage of net charge-offs (x) | 1.6041% | 5,290 |
| Efficiency ratio | 92.8002% | 1,339 |
| Assets per employee ($millions) | 3.2561% | 5,320 |
| Cash dividends to net income (ytd only)* | 1,578.9474% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7498% | 1,765 |
| Loan loss allowance to noncurrent loans | 41.4108% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 3.0009% | 1,530 |
| Noncurrent loans to loans | 4.2254% | 1,152 |
| Net loans and leases to total assets | 69.7780% | 4,064 |
| Net loans and leases to deposits | 77.5300% | 5,399 |
| Net loans and leases to core deposits | 85.5518% | 6,166 |
| Total domestic deposits to total assets | 90.0013% | 644 |
| Equity capital to assets | 9.6049% | 4,535 |
| Core capital (leverage) ratio | 9.1845% | 4,468 |
| Tier 1 risk-based capital ratio | 12.3846% | 4,516 |
| Total risk-based capital ratio | 13.6396% | 4,410 |
| Memoranda: | ||
| Average total assets | $89,795,000 | 5,364 |
| Average earning assets | $82,161,600 | 5,368 |
| Average equity | $8,823,200 | 5,796 |
| Average total loans | $62,190,600 | 5,173 |