Home > Peoples Community Bank > Performance and Condition Ratios
Peoples Community Bank, Performance and Condition Ratios
| 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 | 4.6373% | 7,476 |
| Cost of funding earning assets | 3.5542% | 91 |
| Net interest margin | 1.0832% | 8,090 |
| Noninterest income to average assets | 0.2426% | 6,546 |
| Noninterest expense to average assets | 3.2864% | 3,017 |
| Loan and lease loss provision to assets | 2.2874% | 699 |
| Net operating income to assets | -4.3325% | 7,873 |
| Return on assets (ROA) | -4.3226% | 7,865 |
| Pretax return on assets | -4.3828% | 7,791 |
| Return on Equity (ROE) | -227.9923% | 8,153 |
| Retained earnings to average equity (ytd only) | -227.9923% | 8,152 |
| Net charge-offs to loans | 3.7330% | 396 |
| Credit loss provision to net charge-offs | 87.8714% | 4,981 |
| Earnings coverage of net charge-offs (x) | -0.8088% | 6,178 |
| Efficiency ratio | 250.5352% | 116 |
| Assets per employee ($millions) | 4.0143% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4493% | 63 |
| Loan loss allowance to noncurrent loans | 43.5199% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 13.5835% | 132 |
| Noncurrent loans to loans | 14.8191% | 139 |
| Net loans and leases to total assets | 66.1109% | 4,545 |
| Net loans and leases to deposits | 74.3769% | 5,396 |
| Net loans and leases to core deposits | 88.7156% | 5,661 |
| Total domestic deposits to total assets | 88.8863% | 1,322 |
| Equity capital to assets | 0.7566% | 8,164 |
| Core capital (leverage) ratio | 0.3662% | 8,172 |
| Tier 1 risk-based capital ratio | 0.5537% | 8,171 |
| Total risk-based capital ratio | 1.1073% | 8,171 |
| Memoranda: | ||
| Average total assets | $664,500,000 | 1,066 |
| Average earning assets | $575,719,000 | 1,131 |
| Average equity | $12,598,670 | 4,657 |
| Average total loans | $463,378,670 | 1,073 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8195% | 7,339 |
| Cost of funding earning assets | 3.5241% | 142 |
| Net interest margin | 1.2955% | 8,110 |
| Noninterest income to average assets | 0.2116% | 6,781 |
| Noninterest expense to average assets | 2.6001% | 5,446 |
| Loan and lease loss provision to assets | 1.0380% | 1,262 |
| Net operating income to assets | -2.2945% | 7,723 |
| Return on assets (ROA) | -2.2921% | 7,723 |
| Pretax return on assets | -2.2921% | 7,613 |
| Return on Equity (ROE) | -95.7543% | 8,150 |
| Retained earnings to average equity (ytd only) | -95.7543% | 8,147 |
| Net charge-offs to loans | -0.0008% | 7,099 |
| Credit loss provision to net charge-offs | -180,000.0000% | 6,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 179.0129% | 244 |
| Assets per employee ($millions) | 4.4726% | 2,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4740% | 55 |
| Loan loss allowance to noncurrent loans | 73.5918% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 7.8354% | 393 |
| Noncurrent loans to loans | 8.7972% | 376 |
| Net loans and leases to total assets | 65.2546% | 4,753 |
| Net loans and leases to deposits | 73.6698% | 5,524 |
| Net loans and leases to core deposits | 88.7341% | 5,677 |
| Total domestic deposits to total assets | 88.5772% | 1,442 |
| Equity capital to assets | 2.1947% | 8,219 |
| Core capital (leverage) ratio | 1.8147% | 8,222 |
| Tier 1 risk-based capital ratio | 2.8243% | 8,216 |
| Total risk-based capital ratio | 4.1460% | 8,217 |
| Memoranda: | ||
| Average total assets | $693,673,500 | 1,020 |
| Average earning assets | $606,119,000 | 1,061 |
| Average equity | $16,605,000 | 3,807 |
| Average total loans | $480,888,500 | 1,053 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8639% | 6,214 |
| Cost of funding earning assets | 3.5377% | 471 |
| Net interest margin | 2.3262% | 7,897 |
| Noninterest income to average assets | -0.1986% | 8,225 |
| Noninterest expense to average assets | 4.2045% | 1,143 |
| Loan and lease loss provision to assets | 5.2343% | 92 |
| Net operating income to assets | -8.5068% | 8,232 |
| Return on assets (ROA) | -8.4308% | 8,229 |
| Pretax return on assets | -7.5342% | 8,179 |
| Return on Equity (ROE) | -110.6706% | 8,287 |
| Retained earnings to average equity (ytd only) | -110.6706% | 8,283 |
| Net charge-offs to loans | 8.0418% | 28 |
| Credit loss provision to net charge-offs | 87.7430% | 5,727 |
| Earnings coverage of net charge-offs (x) | -0.3983% | 6,456 |
| Efficiency ratio | 132.8226% | 443 |
| Assets per employee ($millions) | 4.6535% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8514% | 62 |
| Loan loss allowance to noncurrent loans | 66.5917% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 7.4836% | 325 |
| Noncurrent loans to loans | 8.7870% | 280 |
| Net loans and leases to total assets | 64.8695% | 5,091 |
| Net loans and leases to deposits | 73.1668% | 5,933 |
| Net loans and leases to core deposits | 89.5734% | 5,840 |
| Total domestic deposits to total assets | 88.6598% | 1,175 |
| Equity capital to assets | 2.5826% | 8,278 |
| Core capital (leverage) ratio | 2.2333% | 8,285 |
| Tier 1 risk-based capital ratio | 3.5014% | 8,282 |
| Total risk-based capital ratio | 4.8143% | 8,282 |
| Memoranda: | ||
| Average total assets | $792,413,400 | 854 |
| Average earning assets | $690,566,800 | 884 |
| Average equity | $60,365,600 | 1,114 |
| Average total loans | $587,815,600 | 814 |