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Olde Cypress Community Bank, 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 | 4.6416% | 6,337 |
| Cost of funding earning assets | 1.8392% | 1,491 |
| Net interest margin | 2.8023% | 7,140 |
| Noninterest income to average assets | 0.0192% | 7,466 |
| Noninterest expense to average assets | 2.9345% | 3,940 |
| Loan and lease loss provision to assets | 4.6080% | 139 |
| Net operating income to assets | -4.9736% | 7,695 |
| Return on assets (ROA) | -4.8957% | 7,696 |
| Pretax return on assets | -4.8957% | 7,676 |
| Return on Equity (ROE) | -156.4152% | 7,783 |
| Retained earnings to average equity (ytd only) | -156.4152% | 7,783 |
| Net charge-offs to loans | 3.8915% | 341 |
| Credit loss provision to net charge-offs | 154.8751% | 2,542 |
| Earnings coverage of net charge-offs (x) | -0.1229% | 5,820 |
| Efficiency ratio | 113.2524% | 502 |
| Assets per employee ($millions) | 3.9355% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6523% | 1,134 |
| Loan loss allowance to noncurrent loans | 15.8439% | 7,117 |
| Noncurrent assets plus other real estate owned to assets | 17.7082% | 83 |
| Noncurrent loans to loans | 16.7401% | 135 |
| Net loans and leases to total assets | 73.1542% | 2,124 |
| Net loans and leases to deposits | 74.7090% | 4,564 |
| Net loans and leases to core deposits | 78.2159% | 4,916 |
| Total domestic deposits to total assets | 97.9189% | 7 |
| Equity capital to assets | 1.7911% | 7,796 |
| Core capital (leverage) ratio | 1.7119% | 7,786 |
| Tier 1 risk-based capital ratio | 2.5803% | 7,786 |
| Total risk-based capital ratio | 3.8525% | 7,786 |
| Memoranda: | ||
| Average total assets | $166,841,000 | 3,654 |
| Average earning assets | $151,802,670 | 3,677 |
| Average equity | $5,222,000 | 6,706 |
| Average total loans | $127,559,670 | 3,247 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6511% | 6,406 |
| Cost of funding earning assets | 2.0423% | 965 |
| Net interest margin | 2.6088% | 7,382 |
| Noninterest income to average assets | -0.7595% | 7,883 |
| Noninterest expense to average assets | 2.7503% | 4,692 |
| Loan and lease loss provision to assets | 1.6865% | 674 |
| Net operating income to assets | -2.8069% | 7,614 |
| Return on assets (ROA) | -2.8045% | 7,614 |
| Pretax return on assets | -2.8045% | 7,572 |
| Return on Equity (ROE) | -74.4521% | 7,780 |
| Retained earnings to average equity (ytd only) | -74.4521% | 7,775 |
| Net charge-offs to loans | 2.3930% | 699 |
| Credit loss provision to net charge-offs | 91.4322% | 3,636 |
| Earnings coverage of net charge-offs (x) | -0.6074% | 5,316 |
| Efficiency ratio | 167.1491% | 154 |
| Assets per employee ($millions) | 3.8330% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 4,459 |
| Loan loss allowance to noncurrent loans | 9.9560% | 7,338 |
| Noncurrent assets plus other real estate owned to assets | 14.2360% | 158 |
| Noncurrent loans to loans | 13.9798% | 211 |
| Net loans and leases to total assets | 75.1118% | 1,715 |
| Net loans and leases to deposits | 78.0255% | 4,034 |
| Net loans and leases to core deposits | 87.1728% | 3,722 |
| Total domestic deposits to total assets | 96.2656% | 27 |
| Equity capital to assets | 3.4497% | 7,830 |
| Core capital (leverage) ratio | 3.3512% | 7,824 |
| Tier 1 risk-based capital ratio | 4.9961% | 7,799 |
| Total risk-based capital ratio | 6.2500% | 7,802 |
| Memoranda: | ||
| Average total assets | $169,584,000 | 3,666 |
| Average earning assets | $155,318,000 | 3,660 |
| Average equity | $6,388,000 | 6,387 |
| Average total loans | $130,712,500 | 3,247 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9994% | 6,435 |
| Cost of funding earning assets | 2.6040% | 769 |
| Net interest margin | 2.3954% | 7,517 |
| Noninterest income to average assets | -0.7084% | 7,969 |
| Noninterest expense to average assets | 2.8078% | 4,951 |
| Loan and lease loss provision to assets | 2.4737% | 805 |
| Net operating income to assets | -3.7967% | 7,573 |
| Return on assets (ROA) | -3.7181% | 7,561 |
| Pretax return on assets | -3.7181% | 7,468 |
| Return on Equity (ROE) | -66.1174% | 7,787 |
| Retained earnings to average equity (ytd only) | -66.1174% | 7,782 |
| Net charge-offs to loans | 3.0092% | 704 |
| Credit loss provision to net charge-offs | 100.6632% | 5,478 |
| Earnings coverage of net charge-offs (x) | -0.5384% | 6,713 |
| Efficiency ratio | 187.0639% | 169 |
| Assets per employee ($millions) | 4.1590% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 4,262 |
| Loan loss allowance to noncurrent loans | 8.9974% | 7,379 |
| Noncurrent assets plus other real estate owned to assets | 14.9187% | 141 |
| Noncurrent loans to loans | 15.4978% | 158 |
| Net loans and leases to total assets | 76.8875% | 1,611 |
| Net loans and leases to deposits | 80.4071% | 3,910 |
| Net loans and leases to core deposits | 125.7597% | 1,535 |
| Total domestic deposits to total assets | 95.6227% | 39 |
| Equity capital to assets | 4.0805% | 7,855 |
| Core capital (leverage) ratio | 4.0056% | 7,846 |
| Tier 1 risk-based capital ratio | 5.8505% | 7,823 |
| Total risk-based capital ratio | 7.1052% | 7,826 |
| Memoranda: | ||
| Average total assets | $171,806,600 | 3,578 |
| Average earning assets | $157,299,000 | 3,573 |
| Average equity | $9,661,600 | 5,396 |
| Average total loans | $140,300,800 | 3,079 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0794% | 6,346 |
| Cost of funding earning assets | 2.7172% | 757 |
| Net interest margin | 2.3623% | 7,590 |
| Noninterest income to average assets | 0.0519% | 7,643 |
| Noninterest expense to average assets | 2.9009% | 4,449 |
| Loan and lease loss provision to assets | 2.3238% | 731 |
| Net operating income to assets | -3.0124% | 7,586 |
| Return on assets (ROA) | -2.9094% | 7,567 |
| Pretax return on assets | -2.9094% | 7,477 |
| Return on Equity (ROE) | -48.4437% | 7,820 |
| Retained earnings to average equity (ytd only) | -48.4437% | 7,817 |
| Net charge-offs to loans | 2.7025% | 671 |
| Credit loss provision to net charge-offs | 104.1305% | 4,884 |
| Earnings coverage of net charge-offs (x) | -0.3086% | 6,363 |
| Efficiency ratio | 129.6919% | 480 |
| Assets per employee ($millions) | 3.7632% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 3,919 |
| Loan loss allowance to noncurrent loans | 8.4860% | 7,476 |
| Noncurrent assets plus other real estate owned to assets | 15.6040% | 108 |
| Noncurrent loans to loans | 16.5408% | 114 |
| Net loans and leases to total assets | 78.9635% | 1,401 |
| Net loans and leases to deposits | 83.9854% | 3,645 |
| Net loans and leases to core deposits | 125.2249% | 1,796 |
| Total domestic deposits to total assets | 94.0205% | 53 |
| Equity capital to assets | 5.5376% | 7,916 |
| Core capital (leverage) ratio | 5.4616% | 7,877 |
| Tier 1 risk-based capital ratio | 7.9885% | 7,794 |
| Total risk-based capital ratio | 9.2431% | 7,807 |
| Memoranda: | ||
| Average total assets | $172,128,750 | 3,588 |
| Average earning assets | $157,415,000 | 3,591 |
| Average equity | $10,337,500 | 5,247 |
| Average total loans | $142,135,750 | 3,078 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1982% | 6,080 |
| Cost of funding earning assets | 2.8250% | 731 |
| Net interest margin | 2.3731% | 7,600 |
| Noninterest income to average assets | -0.0466% | 8,007 |
| Noninterest expense to average assets | 2.9720% | 4,198 |
| Loan and lease loss provision to assets | 1.3970% | 1,241 |
| Net operating income to assets | -2.2514% | 7,492 |
| Return on assets (ROA) | -2.1024% | 7,449 |
| Pretax return on assets | -2.1024% | 7,316 |
| Return on Equity (ROE) | -34.1141% | 7,772 |
| Retained earnings to average equity (ytd only) | -34.1141% | 7,750 |
| Net charge-offs to loans | 2.3531% | 760 |
| Credit loss provision to net charge-offs | 71.1744% | 5,396 |
| Earnings coverage of net charge-offs (x) | -0.4353% | 6,038 |
| Efficiency ratio | 138.8125% | 443 |
| Assets per employee ($millions) | 3.8328% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 6,479 |
| Loan loss allowance to noncurrent loans | 6.7215% | 7,532 |
| Noncurrent assets plus other real estate owned to assets | 13.5066% | 134 |
| Noncurrent loans to loans | 14.3389% | 151 |
| Net loans and leases to total assets | 78.1580% | 1,708 |
| Net loans and leases to deposits | 84.0186% | 3,872 |
| Net loans and leases to core deposits | 115.7538% | 2,730 |
| Total domestic deposits to total assets | 93.0247% | 99 |
| Equity capital to assets | 6.5255% | 7,810 |
| Core capital (leverage) ratio | 6.4614% | 7,816 |
| Tier 1 risk-based capital ratio | 9.5351% | 7,358 |
| Total risk-based capital ratio | 10.6619% | 7,430 |
| Memoranda: | ||
| Average total assets | $171,802,000 | 3,608 |
| Average earning assets | $156,670,000 | 3,622 |
| Average equity | $10,588,000 | 5,188 |
| Average total loans | $143,301,330 | 3,094 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5054% | 4,884 |
| Cost of funding earning assets | 2.9982% | 609 |
| Net interest margin | 2.5072% | 7,493 |
| Noninterest income to average assets | 0.3468% | 5,671 |
| Noninterest expense to average assets | 3.0575% | 3,529 |
| Loan and lease loss provision to assets | 0.4718% | 2,586 |
| Net operating income to assets | -0.9177% | 7,208 |
| Return on assets (ROA) | -0.6441% | 7,042 |
| Pretax return on assets | -0.6441% | 6,929 |
| Return on Equity (ROE) | -10.7804% | 7,414 |
| Retained earnings to average equity (ytd only) | -10.7804% | 7,183 |
| Net charge-offs to loans | 0.4952% | 2,225 |
| Credit loss provision to net charge-offs | 111.1111% | 3,469 |
| Earnings coverage of net charge-offs (x) | -1.0500% | 5,368 |
| Efficiency ratio | 115.8085% | 695 |
| Assets per employee ($millions) | 3.8921% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 4,168 |
| Loan loss allowance to noncurrent loans | 13.9480% | 7,436 |
| Noncurrent assets plus other real estate owned to assets | 9.7973% | 235 |
| Noncurrent loans to loans | 9.2073% | 343 |
| Net loans and leases to total assets | 82.9040% | 866 |
| Net loans and leases to deposits | 88.4336% | 3,210 |
| Net loans and leases to core deposits | 152.3114% | 641 |
| Total domestic deposits to total assets | 93.7472% | 51 |
| Equity capital to assets | 5.8511% | 8,024 |
| Core capital (leverage) ratio | 5.7867% | 8,038 |
| Tier 1 risk-based capital ratio | 8.2331% | 7,986 |
| Total risk-based capital ratio | 9.4863% | 8,018 |
| Memoranda: | ||
| Average total assets | $169,549,500 | 3,658 |
| Average earning assets | $153,159,500 | 3,695 |
| Average equity | $10,129,500 | 5,343 |
| Average total loans | $145,382,500 | 3,083 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7040% | 2,012 |
| Cost of funding earning assets | 3.4184% | 677 |
| Net interest margin | 3.2856% | 6,087 |
| Noninterest income to average assets | 0.8748% | 2,080 |
| Noninterest expense to average assets | 4.3666% | 977 |
| Loan and lease loss provision to assets | 2.6724% | 373 |
| Net operating income to assets | -3.1763% | 7,863 |
| Return on assets (ROA) | -2.7042% | 7,735 |
| Pretax return on assets | -2.7042% | 7,642 |
| Return on Equity (ROE) | -32.7915% | 7,998 |
| Retained earnings to average equity (ytd only) | -34.9496% | 7,987 |
| Net charge-offs to loans | 2.8720% | 314 |
| Credit loss provision to net charge-offs | 105.5936% | 5,074 |
| Earnings coverage of net charge-offs (x) | -0.1991% | 6,375 |
| Efficiency ratio | 87.5542% | 1,716 |
| Assets per employee ($millions) | 3.7300% | 4,104 |
| Cash dividends to net income (ytd only)* | -6.5812% | 7,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 4,396 |
| Loan loss allowance to noncurrent loans | 13.5094% | 7,437 |
| Noncurrent assets plus other real estate owned to assets | 9.5724% | 188 |
| Noncurrent loans to loans | 9.0170% | 263 |
| Net loans and leases to total assets | 86.4794% | 542 |
| Net loans and leases to deposits | 92.4701% | 3,059 |
| Net loans and leases to core deposits | 150.5575% | 834 |
| Total domestic deposits to total assets | 93.5215% | 39 |
| Equity capital to assets | 6.1002% | 8,045 |
| Core capital (leverage) ratio | 6.0571% | 8,062 |
| Tier 1 risk-based capital ratio | 8.2207% | 8,045 |
| Total risk-based capital ratio | 9.4458% | 8,087 |
| Memoranda: | ||
| Average total assets | $173,063,200 | 3,502 |
| Average earning assets | $157,383,600 | 3,521 |
| Average equity | $14,272,000 | 4,273 |
| Average total loans | $152,504,400 | 2,878 |