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Country Club Bank, Performance and Condition Ratios
| 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 | 5.1633% | 6,435 |
| Cost of funding earning assets | 0.9021% | 7,810 |
| Net interest margin | 4.2612% | 1,696 |
| Noninterest income to average assets | 4.4888% | 147 |
| Noninterest expense to average assets | 6.8110% | 215 |
| Loan and lease loss provision to assets | 1.4179% | 897 |
| Net operating income to assets | 0.2194% | 5,604 |
| Return on assets (ROA) | 1.0820% | 2,153 |
| Pretax return on assets | 1.1419% | 2,824 |
| Return on Equity (ROE) | 14.4500% | 1,080 |
| Retained earnings to average equity (ytd only) | 14.4500% | 475 |
| Net charge-offs to loans | 1.4706% | 980 |
| Credit loss provision to net charge-offs | 175.0973% | 2,461 |
| Earnings coverage of net charge-offs (x) | 2.0397% | 3,702 |
| Efficiency ratio | 80.4825% | 2,750 |
| Assets per employee ($millions) | 2.9840% | 6,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2517% | 1,009 |
| Loan loss allowance to noncurrent loans | 156.2926% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.9211% | 4,889 |
| Noncurrent loans to loans | 1.4407% | 4,140 |
| Net loans and leases to total assets | 52.5286% | 6,628 |
| Net loans and leases to deposits | 66.1492% | 6,365 |
| Net loans and leases to core deposits | 76.2862% | 6,656 |
| Total domestic deposits to total assets | 79.4093% | 5,570 |
| Equity capital to assets | 7.4440% | 7,400 |
| Core capital (leverage) ratio | 7.0437% | 7,605 |
| Tier 1 risk-based capital ratio | 11.2861% | 5,613 |
| Total risk-based capital ratio | 12.5449% | 5,517 |
| Memoranda: | ||
| Average total assets | $634,740,000 | 1,128 |
| Average earning assets | $591,944,500 | 1,094 |
| Average equity | $47,529,500 | 1,451 |
| Average total loans | $349,522,500 | 1,447 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8067% | 6,403 |
| Cost of funding earning assets | 1.5646% | 7,513 |
| Net interest margin | 4.2421% | 2,148 |
| Noninterest income to average assets | 4.5317% | 139 |
| Noninterest expense to average assets | 6.5849% | 324 |
| Loan and lease loss provision to assets | 0.2977% | 4,002 |
| Net operating income to assets | 1.4802% | 1,063 |
| Return on assets (ROA) | 1.6086% | 786 |
| Pretax return on assets | 1.6814% | 1,187 |
| Return on Equity (ROE) | 21.4708% | 278 |
| Retained earnings to average equity (ytd only) | 10.1849% | 423 |
| Net charge-offs to loans | 0.1527% | 4,675 |
| Credit loss provision to net charge-offs | 338.8998% | 1,338 |
| Earnings coverage of net charge-offs (x) | 21.0098% | 1,551 |
| Efficiency ratio | 78.1107% | 2,903 |
| Assets per employee ($millions) | 2.9067% | 6,281 |
| Cash dividends to net income (ytd only)* | 52.5638% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9378% | 1,344 |
| Loan loss allowance to noncurrent loans | 134.3689% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.9539% | 4,444 |
| Noncurrent loans to loans | 1.4421% | 3,638 |
| Net loans and leases to total assets | 55.3404% | 6,514 |
| Net loans and leases to deposits | 68.4113% | 6,423 |
| Net loans and leases to core deposits | 78.6978% | 6,709 |
| Total domestic deposits to total assets | 80.8936% | 4,688 |
| Equity capital to assets | 7.5334% | 7,354 |
| Core capital (leverage) ratio | 7.0971% | 7,618 |
| Tier 1 risk-based capital ratio | 10.9852% | 5,735 |
| Total risk-based capital ratio | 12.2412% | 5,631 |
| Memoranda: | ||
| Average total assets | $579,519,400 | 1,162 |
| Average earning assets | $532,590,600 | 1,160 |
| Average equity | $43,417,200 | 1,552 |
| Average total loans | $333,307,200 | 1,458 |