Home > Kent Commerce Bank > Performance and Condition Ratios
Kent Commerce Bank, Performance and Condition Ratios
| 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 | 6.6275% | 2,361 |
| Cost of funding earning assets | 3.2050% | 1,175 |
| Net interest margin | 3.4225% | 5,568 |
| Noninterest income to average assets | -0.2238% | 8,229 |
| Noninterest expense to average assets | 3.4415% | 2,552 |
| Loan and lease loss provision to assets | 3.0080% | 305 |
| Net operating income to assets | -2.3436% | 7,668 |
| Return on assets (ROA) | -2.3436% | 7,633 |
| Pretax return on assets | -3.5433% | 7,815 |
| Return on Equity (ROE) | -26.3607% | 7,889 |
| Retained earnings to average equity (ytd only) | -26.3607% | 7,836 |
| Net charge-offs to loans | 2.0850% | 511 |
| Credit loss provision to net charge-offs | 157.9602% | 3,288 |
| Earnings coverage of net charge-offs (x) | -0.2811% | 6,406 |
| Efficiency ratio | 118.4189% | 590 |
| Assets per employee ($millions) | 5.3269% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4568% | 289 |
| Loan loss allowance to noncurrent loans | 137.4511% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 3.3628% | 1,339 |
| Noncurrent loans to loans | 2.5149% | 2,164 |
| Net loans and leases to total assets | 85.9481% | 609 |
| Net loans and leases to deposits | 99.5550% | 1,894 |
| Net loans and leases to core deposits | 122.4739% | 2,454 |
| Total domestic deposits to total assets | 86.3323% | 2,246 |
| Equity capital to assets | 9.0509% | 5,306 |
| Core capital (leverage) ratio | 7.3525% | 7,359 |
| Tier 1 risk-based capital ratio | 8.3626% | 8,020 |
| Total risk-based capital ratio | 9.6401% | 8,060 |
| Memoranda: | ||
| Average total assets | $84,441,000 | 5,540 |
| Average earning assets | $77,223,600 | 5,539 |
| Average equity | $7,507,400 | 6,276 |
| Average total loans | $77,123,600 | 4,612 |