Home > Crescent Bank and Trust Company > Performance and Condition Ratios
Crescent Bank and Trust Company, 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 | 4.1299% | 7,252 |
| Cost of funding earning assets | 2.6229% | 118 |
| Net interest margin | 1.5070% | 7,741 |
| Noninterest income to average assets | 0.3428% | 5,405 |
| Noninterest expense to average assets | 3.1852% | 2,961 |
| Loan and lease loss provision to assets | 2.3406% | 496 |
| Net operating income to assets | -3.8398% | 7,606 |
| Return on assets (ROA) | -3.8398% | 7,615 |
| Pretax return on assets | -3.8398% | 7,584 |
| Return on Equity (ROE) | -255.9400% | 7,812 |
| Retained earnings to average equity (ytd only) | -255.9400% | 7,812 |
| Net charge-offs to loans | 7.8525% | 65 |
| Credit loss provision to net charge-offs | 42.4147% | 5,566 |
| Earnings coverage of net charge-offs (x) | -0.2717% | 5,915 |
| Efficiency ratio | 188.6070% | 116 |
| Assets per employee ($millions) | 5.8448% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8752% | 2,491 |
| Loan loss allowance to noncurrent loans | 11.1052% | 7,234 |
| Noncurrent assets plus other real estate owned to assets | 19.2110% | 65 |
| Noncurrent loans to loans | 16.8855% | 134 |
| Net loans and leases to total assets | 65.7235% | 3,887 |
| Net loans and leases to deposits | 68.3604% | 5,516 |
| Net loans and leases to core deposits | 75.8582% | 5,212 |
| Total domestic deposits to total assets | 96.1426% | 23 |
| Equity capital to assets | 0.6918% | 7,817 |
| Core capital (leverage) ratio | 0.6053% | 7,818 |
| Tier 1 risk-based capital ratio | 0.7914% | 7,819 |
| Total risk-based capital ratio | 1.5829% | 7,818 |
| Memoranda: | ||
| Average total assets | $991,203,330 | 665 |
| Average earning assets | $883,450,330 | 677 |
| Average equity | $14,870,670 | 4,017 |
| Average total loans | $696,570,670 | 631 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4742% | 6,840 |
| Cost of funding earning assets | 2.6231% | 156 |
| Net interest margin | 1.8511% | 7,765 |
| Noninterest income to average assets | 0.3666% | 5,211 |
| Noninterest expense to average assets | 2.6915% | 4,946 |
| Loan and lease loss provision to assets | 4.6322% | 175 |
| Net operating income to assets | -5.2871% | 7,796 |
| Return on assets (ROA) | -5.2871% | 7,800 |
| Pretax return on assets | -5.2871% | 7,779 |
| Return on Equity (ROE) | -279.4723% | 7,902 |
| Retained earnings to average equity (ytd only) | -279.4723% | 7,902 |
| Net charge-offs to loans | 7.1457% | 125 |
| Credit loss provision to net charge-offs | 90.1952% | 3,656 |
| Earnings coverage of net charge-offs (x) | -0.1275% | 5,119 |
| Efficiency ratio | 131.9020% | 319 |
| Assets per employee ($millions) | 5.9854% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7660% | 448 |
| Loan loss allowance to noncurrent loans | 23.6843% | 6,818 |
| Noncurrent assets plus other real estate owned to assets | 15.8288% | 119 |
| Noncurrent loans to loans | 15.9009% | 153 |
| Net loans and leases to total assets | 67.3834% | 3,534 |
| Net loans and leases to deposits | 70.5822% | 5,254 |
| Net loans and leases to core deposits | 80.9147% | 4,640 |
| Total domestic deposits to total assets | 95.4680% | 39 |
| Equity capital to assets | 1.2190% | 7,903 |
| Core capital (leverage) ratio | 1.1670% | 7,904 |
| Tier 1 risk-based capital ratio | 1.5198% | 7,907 |
| Total risk-based capital ratio | 2.7969% | 7,906 |
| Memoranda: | ||
| Average total assets | $1,001,687,500 | 675 |
| Average earning assets | $903,665,000 | 677 |
| Average equity | $18,950,000 | 3,328 |
| Average total loans | $719,927,000 | 627 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8170% | 6,912 |
| Cost of funding earning assets | 3.4592% | 51 |
| Net interest margin | 1.3578% | 7,890 |
| Noninterest income to average assets | 0.3678% | 5,462 |
| Noninterest expense to average assets | 2.6862% | 5,451 |
| Loan and lease loss provision to assets | 2.5421% | 777 |
| Net operating income to assets | -3.3359% | 7,472 |
| Return on assets (ROA) | -3.3359% | 7,468 |
| Pretax return on assets | -3.6318% | 7,449 |
| Return on Equity (ROE) | -75.8874% | 7,843 |
| Retained earnings to average equity (ytd only) | -75.8874% | 7,840 |
| Net charge-offs to loans | 2.6891% | 840 |
| Credit loss provision to net charge-offs | 127.5236% | 4,058 |
| Earnings coverage of net charge-offs (x) | -0.5466% | 6,721 |
| Efficiency ratio | 167.7119% | 228 |
| Assets per employee ($millions) | 5.7665% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8185% | 401 |
| Loan loss allowance to noncurrent loans | 34.9349% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 12.3790% | 231 |
| Noncurrent loans to loans | 10.9303% | 347 |
| Net loans and leases to total assets | 70.9427% | 3,024 |
| Net loans and leases to deposits | 75.4122% | 4,827 |
| Net loans and leases to core deposits | 110.5494% | 2,837 |
| Total domestic deposits to total assets | 94.0732% | 70 |
| Equity capital to assets | 2.5779% | 7,938 |
| Core capital (leverage) ratio | 2.4541% | 7,934 |
| Tier 1 risk-based capital ratio | 3.1602% | 7,942 |
| Total risk-based capital ratio | 4.4384% | 7,942 |
| Memoranda: | ||
| Average total assets | $1,030,668,800 | 651 |
| Average earning assets | $932,667,000 | 650 |
| Average equity | $45,306,600 | 1,482 |
| Average total loans | $764,044,200 | 599 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8301% | 7,050 |
| Cost of funding earning assets | 3.5989% | 46 |
| Net interest margin | 1.2312% | 7,988 |
| Noninterest income to average assets | 0.3567% | 5,639 |
| Noninterest expense to average assets | 2.4203% | 6,352 |
| Loan and lease loss provision to assets | 1.9326% | 948 |
| Net operating income to assets | -2.8814% | 7,562 |
| Return on assets (ROA) | -2.8814% | 7,560 |
| Pretax return on assets | -2.8814% | 7,467 |
| Return on Equity (ROE) | -59.6682% | 7,891 |
| Retained earnings to average equity (ytd only) | -59.6682% | 7,888 |
| Net charge-offs to loans | 2.1109% | 919 |
| Credit loss provision to net charge-offs | 123.3538% | 4,089 |
| Earnings coverage of net charge-offs (x) | -0.6056% | 6,524 |
| Efficiency ratio | 163.8216% | 258 |
| Assets per employee ($millions) | 6.0515% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3337% | 488 |
| Loan loss allowance to noncurrent loans | 56.2128% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 7.9183% | 548 |
| Noncurrent loans to loans | 5.9304% | 1,002 |
| Net loans and leases to total assets | 70.8467% | 3,305 |
| Net loans and leases to deposits | 76.1094% | 5,020 |
| Net loans and leases to core deposits | 109.3118% | 3,311 |
| Total domestic deposits to total assets | 93.0854% | 81 |
| Equity capital to assets | 3.6415% | 8,011 |
| Core capital (leverage) ratio | 3.5552% | 8,004 |
| Tier 1 risk-based capital ratio | 4.5345% | 8,016 |
| Total risk-based capital ratio | 5.8072% | 8,020 |
| Memoranda: | ||
| Average total assets | $1,040,376,500 | 660 |
| Average earning assets | $942,016,750 | 657 |
| Average equity | $50,241,000 | 1,356 |
| Average total loans | $772,162,250 | 610 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9072% | 7,015 |
| Cost of funding earning assets | 3.7170% | 54 |
| Net interest margin | 1.1903% | 8,074 |
| Noninterest income to average assets | 0.3647% | 5,592 |
| Noninterest expense to average assets | 2.5825% | 5,810 |
| Loan and lease loss provision to assets | 1.5092% | 1,133 |
| Net operating income to assets | -2.6526% | 7,601 |
| Return on assets (ROA) | -2.6526% | 7,591 |
| Pretax return on assets | -2.6526% | 7,461 |
| Return on Equity (ROE) | -50.8251% | 7,919 |
| Retained earnings to average equity (ytd only) | -50.8251% | 7,916 |
| Net charge-offs to loans | 1.3055% | 1,413 |
| Credit loss provision to net charge-offs | 155.1181% | 2,965 |
| Earnings coverage of net charge-offs (x) | -1.1752% | 6,265 |
| Efficiency ratio | 178.6133% | 254 |
| Assets per employee ($millions) | 5.9527% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2482% | 468 |
| Loan loss allowance to noncurrent loans | 72.3037% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 7.0093% | 604 |
| Noncurrent loans to loans | 4.4924% | 1,431 |
| Net loans and leases to total assets | 72.1245% | 3,190 |
| Net loans and leases to deposits | 78.5771% | 4,770 |
| Net loans and leases to core deposits | 110.8708% | 3,276 |
| Total domestic deposits to total assets | 91.7882% | 248 |
| Equity capital to assets | 4.5317% | 8,071 |
| Core capital (leverage) ratio | 4.3946% | 8,066 |
| Tier 1 risk-based capital ratio | 5.5711% | 8,076 |
| Total risk-based capital ratio | 6.8428% | 8,081 |
| Memoranda: | ||
| Average total assets | $1,044,248,330 | 668 |
| Average earning assets | $942,652,670 | 666 |
| Average equity | $54,500,670 | 1,230 |
| Average total loans | $778,223,670 | 628 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 7,053 |
| Cost of funding earning assets | 3.7982% | 64 |
| Net interest margin | 1.1530% | 8,140 |
| Noninterest income to average assets | 0.3475% | 5,665 |
| Noninterest expense to average assets | 2.4836% | 5,904 |
| Loan and lease loss provision to assets | 1.0224% | 1,285 |
| Net operating income to assets | -1.8045% | 7,606 |
| Return on assets (ROA) | -1.8045% | 7,609 |
| Pretax return on assets | -2.1181% | 7,563 |
| Return on Equity (ROE) | -32.4629% | 7,924 |
| Retained earnings to average equity (ytd only) | -32.4629% | 7,882 |
| Net charge-offs to loans | 1.7658% | 822 |
| Credit loss provision to net charge-offs | 77.7037% | 4,226 |
| Earnings coverage of net charge-offs (x) | -0.8327% | 5,331 |
| Efficiency ratio | 178.0924% | 248 |
| Assets per employee ($millions) | 5.7077% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7703% | 596 |
| Loan loss allowance to noncurrent loans | 90.9210% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 5.3401% | 812 |
| Noncurrent loans to loans | 3.0469% | 2,140 |
| Net loans and leases to total assets | 71.1140% | 3,444 |
| Net loans and leases to deposits | 77.9696% | 4,926 |
| Net loans and leases to core deposits | 111.2137% | 3,290 |
| Total domestic deposits to total assets | 91.2074% | 347 |
| Equity capital to assets | 5.2817% | 8,094 |
| Core capital (leverage) ratio | 5.2469% | 8,106 |
| Tier 1 risk-based capital ratio | 6.5066% | 8,121 |
| Total risk-based capital ratio | 7.7724% | 8,129 |
| Memoranda: | ||
| Average total assets | $1,048,487,000 | 667 |
| Average earning assets | $946,035,500 | 663 |
| Average equity | $58,282,000 | 1,163 |
| Average total loans | $781,273,000 | 631 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0382% | 5,375 |
| Cost of funding earning assets | 3.9920% | 102 |
| Net interest margin | 2.0462% | 8,041 |
| Noninterest income to average assets | 0.3637% | 5,807 |
| Noninterest expense to average assets | 2.8266% | 4,709 |
| Loan and lease loss provision to assets | 2.6295% | 383 |
| Net operating income to assets | -3.0219% | 7,830 |
| Return on assets (ROA) | -3.0219% | 7,801 |
| Pretax return on assets | -3.2074% | 7,759 |
| Return on Equity (ROE) | -37.9239% | 8,057 |
| Retained earnings to average equity (ytd only) | -39.5197% | 8,044 |
| Net charge-offs to loans | 1.6537% | 677 |
| Credit loss provision to net charge-offs | 192.9819% | 2,536 |
| Earnings coverage of net charge-offs (x) | -0.4241% | 6,464 |
| Efficiency ratio | 109.5548% | 715 |
| Assets per employee ($millions) | 5.5366% | 1,433 |
| Cash dividends to net income (ytd only)* | -4.2080% | 7,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8344% | 504 |
| Loan loss allowance to noncurrent loans | 117.9960% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 4.3171% | 905 |
| Noncurrent loans to loans | 2.4021% | 2,285 |
| Net loans and leases to total assets | 73.7713% | 3,160 |
| Net loans and leases to deposits | 81.4413% | 4,804 |
| Net loans and leases to core deposits | 118.9412% | 2,794 |
| Total domestic deposits to total assets | 90.5822% | 459 |
| Equity capital to assets | 5.8427% | 8,086 |
| Core capital (leverage) ratio | 5.7212% | 8,140 |
| Tier 1 risk-based capital ratio | 7.0436% | 8,168 |
| Total risk-based capital ratio | 8.3105% | 8,179 |
| Memoranda: | ||
| Average total assets | $982,999,200 | 669 |
| Average earning assets | $905,537,600 | 659 |
| Average equity | $78,328,000 | 852 |
| Average total loans | $809,931,600 | 584 |