Home > CountryBank USA > Performance and Condition Ratios
CountryBank USA, Performance and Condition Ratios
| 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 | 5.3595% | 4,892 |
| Cost of funding earning assets | 1.8302% | 3,834 |
| Net interest margin | 3.5292% | 4,821 |
| Noninterest income to average assets | 2.4988% | 273 |
| Noninterest expense to average assets | 4.9464% | 540 |
| Loan and lease loss provision to assets | 0.0769% | 6,823 |
| Net operating income to assets | 0.6429% | 3,166 |
| Return on assets (ROA) | 0.6429% | 3,222 |
| Pretax return on assets | 0.6920% | 3,601 |
| Return on Equity (ROE) | 6.5307% | 2,976 |
| Retained earnings to average equity (ytd only) | 5.8364% | 1,412 |
| Net charge-offs to loans | 0.4644% | 3,922 |
| Credit loss provision to net charge-offs | 28.5714% | 6,904 |
| Earnings coverage of net charge-offs (x) | 2.8571% | 3,657 |
| Efficiency ratio | 85.9865% | 2,115 |
| Assets per employee ($millions) | 1.8519% | 7,807 |
| Cash dividends to net income (ytd only)* | 10.6312% | 3,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 6,284 |
| Loan loss allowance to noncurrent loans | 108.9796% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.6750% | 5,775 |
| Noncurrent loans to loans | 0.9323% | 5,450 |
| Net loans and leases to total assets | 54.0240% | 6,200 |
| Net loans and leases to deposits | 63.8723% | 6,281 |
| Net loans and leases to core deposits | 76.2212% | 6,382 |
| Total domestic deposits to total assets | 84.5812% | 3,765 |
| Equity capital to assets | 9.8860% | 3,906 |
| Core capital (leverage) ratio | 8.6261% | 5,057 |
| Tier 1 risk-based capital ratio | 14.2902% | 3,329 |
| Total risk-based capital ratio | 15.2147% | 3,476 |
| Memoranda: | ||
| Average total assets | $46,822,200 | 6,832 |
| Average earning assets | $42,672,000 | 6,829 |
| Average equity | $4,609,000 | 7,077 |
| Average total loans | $27,129,600 | 6,796 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4038% | 4,929 |
| Cost of funding earning assets | 1.8702% | 4,046 |
| Net interest margin | 3.5336% | 4,726 |
| Noninterest income to average assets | 2.6614% | 249 |
| Noninterest expense to average assets | 4.8295% | 551 |
| Loan and lease loss provision to assets | 0.0774% | 6,595 |
| Net operating income to assets | 0.9206% | 2,341 |
| Return on assets (ROA) | 0.9206% | 2,416 |
| Pretax return on assets | 0.9894% | 2,940 |
| Return on Equity (ROE) | 9.3626% | 2,138 |
| Retained earnings to average equity (ytd only) | 8.4292% | 1,001 |
| Net charge-offs to loans | 0.3560% | 3,864 |
| Credit loss provision to net charge-offs | 36.9863% | 6,451 |
| Earnings coverage of net charge-offs (x) | 5.0960% | 2,924 |
| Efficiency ratio | 81.3230% | 2,675 |
| Assets per employee ($millions) | 1.8048% | 7,895 |
| Cash dividends to net income (ytd only)* | 9.9699% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 5,654 |
| Loan loss allowance to noncurrent loans | 108.7413% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.7800% | 5,563 |
| Noncurrent loans to loans | 1.0228% | 5,263 |
| Net loans and leases to total assets | 58.9272% | 5,750 |
| Net loans and leases to deposits | 70.3767% | 5,863 |
| Net loans and leases to core deposits | 84.6502% | 5,989 |
| Total domestic deposits to total assets | 83.7311% | 3,847 |
| Equity capital to assets | 10.3167% | 3,711 |
| Core capital (leverage) ratio | 9.0238% | 4,613 |
| Tier 1 risk-based capital ratio | 13.9594% | 3,571 |
| Total risk-based capital ratio | 15.0071% | 3,635 |
| Memoranda: | ||
| Average total assets | $46,490,500 | 6,898 |
| Average earning assets | $42,561,750 | 6,889 |
| Average equity | $4,571,250 | 7,152 |
| Average total loans | $27,342,250 | 6,838 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4313% | 4,989 |
| Cost of funding earning assets | 1.9094% | 4,216 |
| Net interest margin | 3.5219% | 4,693 |
| Noninterest income to average assets | 2.2785% | 302 |
| Noninterest expense to average assets | 4.7340% | 625 |
| Loan and lease loss provision to assets | 0.0777% | 6,413 |
| Net operating income to assets | 0.6430% | 3,493 |
| Return on assets (ROA) | 0.6430% | 3,596 |
| Pretax return on assets | 0.6905% | 4,033 |
| Return on Equity (ROE) | 6.6498% | 3,363 |
| Retained earnings to average equity (ytd only) | 5.5787% | 2,213 |
| Net charge-offs to loans | 0.2137% | 4,170 |
| Credit loss provision to net charge-offs | 62.0690% | 5,561 |
| Earnings coverage of net charge-offs (x) | 6.1379% | 2,680 |
| Efficiency ratio | 85.4118% | 2,302 |
| Assets per employee ($millions) | 1.7378% | 8,011 |
| Cash dividends to net income (ytd only)* | 16.1074% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 4,313 |
| Loan loss allowance to noncurrent loans | 207.1856% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3559% | 6,563 |
| Noncurrent loans to loans | 0.6237% | 6,003 |
| Net loans and leases to total assets | 56.3278% | 6,176 |
| Net loans and leases to deposits | 66.7315% | 6,328 |
| Net loans and leases to core deposits | 79.8387% | 6,421 |
| Total domestic deposits to total assets | 84.4096% | 3,551 |
| Equity capital to assets | 9.6611% | 4,410 |
| Core capital (leverage) ratio | 8.5326% | 5,384 |
| Tier 1 risk-based capital ratio | 13.8131% | 3,620 |
| Total risk-based capital ratio | 15.0155% | 3,580 |
| Memoranda: | ||
| Average total assets | $46,346,000 | 6,967 |
| Average earning assets | $42,420,670 | 6,952 |
| Average equity | $4,481,330 | 7,244 |
| Average total loans | $27,135,670 | 6,907 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5384% | 4,705 |
| Cost of funding earning assets | 1.9603% | 4,328 |
| Net interest margin | 3.5781% | 4,416 |
| Noninterest income to average assets | 2.1711% | 315 |
| Noninterest expense to average assets | 4.6462% | 625 |
| Loan and lease loss provision to assets | 0.0782% | 5,973 |
| Net operating income to assets | 0.6600% | 3,759 |
| Return on assets (ROA) | 0.6600% | 3,933 |
| Pretax return on assets | 0.7121% | 4,391 |
| Return on Equity (ROE) | 6.8230% | 3,660 |
| Retained earnings to average equity (ytd only) | 6.8230% | 2,277 |
| Net charge-offs to loans | -0.0586% | 7,744 |
| Credit loss provision to net charge-offs | -225.0000% | 6,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8243% | 2,208 |
| Assets per employee ($millions) | 1.7139% | 8,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 3,512 |
| Loan loss allowance to noncurrent loans | 107.2464% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.7455% | 5,294 |
| Noncurrent loans to loans | 1.3037% | 4,368 |
| Net loans and leases to total assets | 56.3878% | 6,184 |
| Net loans and leases to deposits | 66.8837% | 6,288 |
| Net loans and leases to core deposits | 80.4353% | 6,351 |
| Total domestic deposits to total assets | 84.3072% | 3,558 |
| Equity capital to assets | 9.7394% | 4,322 |
| Core capital (leverage) ratio | 8.7806% | 5,020 |
| Tier 1 risk-based capital ratio | 13.0863% | 4,134 |
| Total risk-based capital ratio | 14.3205% | 4,057 |
| Memoranda: | ||
| Average total assets | $46,059,000 | 7,026 |
| Average earning assets | $42,034,000 | 7,018 |
| Average equity | $4,455,500 | 7,301 |
| Average total loans | $27,316,000 | 6,921 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4678% | 3,127 |
| Cost of funding earning assets | 2.6437% | 3,470 |
| Net interest margin | 3.8241% | 3,920 |
| Noninterest income to average assets | 2.8103% | 220 |
| Noninterest expense to average assets | 4.8789% | 673 |
| Loan and lease loss provision to assets | 0.3554% | 3,556 |
| Net operating income to assets | 0.9383% | 2,838 |
| Return on assets (ROA) | 0.9383% | 2,698 |
| Pretax return on assets | 1.0089% | 3,350 |
| Return on Equity (ROE) | 9.9550% | 2,279 |
| Retained earnings to average equity (ytd only) | 6.7928% | 1,227 |
| Net charge-offs to loans | 0.2750% | 3,568 |
| Credit loss provision to net charge-offs | 209.0909% | 2,311 |
| Earnings coverage of net charge-offs (x) | 8.0260% | 2,959 |
| Efficiency ratio | 77.6167% | 2,976 |
| Assets per employee ($millions) | 1.6372% | 8,118 |
| Cash dividends to net income (ytd only)* | 31.7647% | 4,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 4,005 |
| Loan loss allowance to noncurrent loans | 65.9889% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 1.2892% | 3,646 |
| Noncurrent loans to loans | 1.9206% | 2,865 |
| Net loans and leases to total assets | 60.6671% | 5,813 |
| Net loans and leases to deposits | 71.8352% | 6,076 |
| Net loans and leases to core deposits | 84.6477% | 6,241 |
| Total domestic deposits to total assets | 84.4531% | 3,102 |
| Equity capital to assets | 9.6069% | 4,534 |
| Core capital (leverage) ratio | 8.7179% | 5,164 |
| Tier 1 risk-based capital ratio | 12.5506% | 4,407 |
| Total risk-based capital ratio | 13.7168% | 4,359 |
| Memoranda: | ||
| Average total assets | $45,297,000 | 6,973 |
| Average earning assets | $40,662,800 | 7,014 |
| Average equity | $4,269,200 | 7,405 |
| Average total loans | $28,002,400 | 6,844 |