Home > The Coastal Bank of Georgia > Performance and Condition Ratios
The Coastal Bank of Georgia, Performance and Condition Ratios
| 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 | 4.5729% | 6,630 |
| Cost of funding earning assets | 1.3549% | 4,456 |
| Net interest margin | 3.2180% | 6,234 |
| Noninterest income to average assets | 1.0117% | 1,258 |
| Noninterest expense to average assets | 2.4953% | 5,744 |
| Loan and lease loss provision to assets | 4.3228% | 190 |
| Net operating income to assets | -2.6592% | 7,586 |
| Return on assets (ROA) | -2.6592% | 7,585 |
| Pretax return on assets | -2.7896% | 7,565 |
| Return on Equity (ROE) | -32.4231% | 7,600 |
| Retained earnings to average equity (ytd only) | -32.4231% | 7,578 |
| Net charge-offs to loans | 7.2394% | 121 |
| Credit loss provision to net charge-offs | 76.3344% | 3,969 |
| Earnings coverage of net charge-offs (x) | 0.2707% | 4,802 |
| Efficiency ratio | 61.9418% | 5,842 |
| Assets per employee ($millions) | 6.7444% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2000% | 1,751 |
| Loan loss allowance to noncurrent loans | 32.3242% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 5.5883% | 1,100 |
| Noncurrent loans to loans | 6.8061% | 890 |
| Net loans and leases to total assets | 74.4572% | 1,873 |
| Net loans and leases to deposits | 89.7334% | 1,937 |
| Net loans and leases to core deposits | 156.5875% | 202 |
| Total domestic deposits to total assets | 82.9760% | 4,637 |
| Equity capital to assets | 8.3744% | 6,190 |
| Core capital (leverage) ratio | 8.1414% | 6,006 |
| Tier 1 risk-based capital ratio | 11.2532% | 5,900 |
| Total risk-based capital ratio | 12.5163% | 5,846 |
| Memoranda: | ||
| Average total assets | $549,182,000 | 1,271 |
| Average earning assets | $514,860,000 | 1,235 |
| Average equity | $45,042,000 | 1,495 |
| Average total loans | $429,592,500 | 1,094 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8806% | 6,758 |
| Cost of funding earning assets | 1.5263% | 5,395 |
| Net interest margin | 3.3543% | 5,547 |
| Noninterest income to average assets | -0.0318% | 7,748 |
| Noninterest expense to average assets | 1.9325% | 7,450 |
| Loan and lease loss provision to assets | 5.8048% | 124 |
| Net operating income to assets | -3.4354% | 7,495 |
| Return on assets (ROA) | -3.4147% | 7,488 |
| Pretax return on assets | -4.5742% | 7,650 |
| Return on Equity (ROE) | -44.4284% | 7,622 |
| Retained earnings to average equity (ytd only) | -45.2054% | 7,619 |
| Net charge-offs to loans | 6.6539% | 137 |
| Credit loss provision to net charge-offs | 107.9709% | 5,130 |
| Earnings coverage of net charge-offs (x) | 0.2238% | 5,904 |
| Efficiency ratio | 61.6314% | 6,213 |
| Assets per employee ($millions) | 6.9008% | 833 |
| Cash dividends to net income (ytd only)* | -1.7489% | 7,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4793% | 1,259 |
| Loan loss allowance to noncurrent loans | 46.3928% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 4.5580% | 1,418 |
| Noncurrent loans to loans | 5.3441% | 1,227 |
| Net loans and leases to total assets | 78.3035% | 1,320 |
| Net loans and leases to deposits | 90.9800% | 2,053 |
| Net loans and leases to core deposits | 105.2103% | 3,430 |
| Total domestic deposits to total assets | 86.0667% | 2,985 |
| Equity capital to assets | 8.0307% | 6,546 |
| Core capital (leverage) ratio | 7.3346% | 6,953 |
| Tier 1 risk-based capital ratio | 10.1378% | 6,756 |
| Total risk-based capital ratio | 11.4035% | 6,706 |
| Memoranda: | ||
| Average total assets | $609,508,400 | 1,138 |
| Average earning assets | $575,567,600 | 1,101 |
| Average equity | $46,846,200 | 1,440 |
| Average total loans | $492,480,800 | 983 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8591% | 6,991 |
| Cost of funding earning assets | 1.5071% | 5,787 |
| Net interest margin | 3.3520% | 5,436 |
| Noninterest income to average assets | -0.1470% | 7,949 |
| Noninterest expense to average assets | 1.9108% | 7,531 |
| Loan and lease loss provision to assets | 4.4455% | 229 |
| Net operating income to assets | -2.0248% | 7,330 |
| Return on assets (ROA) | -2.0019% | 7,321 |
| Pretax return on assets | -3.2893% | 7,572 |
| Return on Equity (ROE) | -26.3071% | 7,535 |
| Retained earnings to average equity (ytd only) | -27.3294% | 7,539 |
| Net charge-offs to loans | 4.1419% | 328 |
| Credit loss provision to net charge-offs | 132.6510% | 3,769 |
| Earnings coverage of net charge-offs (x) | 0.3343% | 5,690 |
| Efficiency ratio | 63.0403% | 5,916 |
| Assets per employee ($millions) | 7.9676% | 522 |
| Cash dividends to net income (ytd only)* | -3.8860% | 7,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8039% | 788 |
| Loan loss allowance to noncurrent loans | 29.1823% | 6,519 |
| Noncurrent assets plus other real estate owned to assets | 8.0035% | 540 |
| Noncurrent loans to loans | 9.6083% | 427 |
| Net loans and leases to total assets | 73.4067% | 2,686 |
| Net loans and leases to deposits | 87.5556% | 3,045 |
| Net loans and leases to core deposits | 101.8655% | 4,169 |
| Total domestic deposits to total assets | 83.8401% | 3,799 |
| Equity capital to assets | 6.9420% | 7,622 |
| Core capital (leverage) ratio | 6.8166% | 7,538 |
| Tier 1 risk-based capital ratio | 8.9511% | 7,640 |
| Total risk-based capital ratio | 10.2195% | 7,652 |
| Memoranda: | ||
| Average total assets | $623,869,000 | 1,127 |
| Average earning assets | $591,504,500 | 1,081 |
| Average equity | $47,474,000 | 1,445 |
| Average total loans | $504,781,750 | 963 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0142% | 6,719 |
| Cost of funding earning assets | 1.4824% | 6,205 |
| Net interest margin | 3.5318% | 4,652 |
| Noninterest income to average assets | -0.2080% | 8,069 |
| Noninterest expense to average assets | 1.8610% | 7,670 |
| Loan and lease loss provision to assets | 3.3050% | 444 |
| Net operating income to assets | -1.2226% | 7,124 |
| Return on assets (ROA) | -1.2226% | 7,131 |
| Pretax return on assets | -2.0227% | 7,294 |
| Return on Equity (ROE) | -15.5966% | 7,361 |
| Retained earnings to average equity (ytd only) | -15.5966% | 7,274 |
| Net charge-offs to loans | 2.6950% | 627 |
| Credit loss provision to net charge-offs | 148.1830% | 3,116 |
| Earnings coverage of net charge-offs (x) | 0.5749% | 5,136 |
| Efficiency ratio | 59.2048% | 6,664 |
| Assets per employee ($millions) | 7.3147% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2850% | 1,119 |
| Loan loss allowance to noncurrent loans | 56.0713% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 3.7939% | 1,604 |
| Noncurrent loans to loans | 4.0751% | 1,648 |
| Net loans and leases to total assets | 81.4722% | 1,055 |
| Net loans and leases to deposits | 97.2781% | 1,630 |
| Net loans and leases to core deposits | 112.9188% | 3,024 |
| Total domestic deposits to total assets | 83.7518% | 3,895 |
| Equity capital to assets | 7.6003% | 7,177 |
| Core capital (leverage) ratio | 7.3241% | 7,219 |
| Tier 1 risk-based capital ratio | 9.1913% | 7,597 |
| Total risk-based capital ratio | 10.4554% | 7,588 |
| Memoranda: | ||
| Average total assets | $619,356,670 | 1,153 |
| Average earning assets | $587,693,000 | 1,108 |
| Average equity | $48,549,000 | 1,424 |
| Average total loans | $512,576,670 | 976 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1156% | 6,601 |
| Cost of funding earning assets | 1.5262% | 6,322 |
| Net interest margin | 3.5894% | 4,360 |
| Noninterest income to average assets | -0.5352% | 8,196 |
| Noninterest expense to average assets | 1.7767% | 7,725 |
| Loan and lease loss provision to assets | 2.7449% | 409 |
| Net operating income to assets | -0.9945% | 7,251 |
| Return on assets (ROA) | -0.9945% | 7,271 |
| Pretax return on assets | -1.6513% | 7,426 |
| Return on Equity (ROE) | -12.4995% | 7,495 |
| Retained earnings to average equity (ytd only) | -12.4995% | 7,291 |
| Net charge-offs to loans | 1.6532% | 875 |
| Credit loss provision to net charge-offs | 201.3686% | 2,203 |
| Earnings coverage of net charge-offs (x) | 0.8023% | 4,389 |
| Efficiency ratio | 61.9005% | 6,065 |
| Assets per employee ($millions) | 6.8551% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0857% | 1,260 |
| Loan loss allowance to noncurrent loans | 189.3847% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 1.8051% | 3,206 |
| Noncurrent loans to loans | 1.1013% | 4,783 |
| Net loans and leases to total assets | 80.9948% | 1,201 |
| Net loans and leases to deposits | 113.1899% | 473 |
| Net loans and leases to core deposits | 134.4653% | 1,388 |
| Total domestic deposits to total assets | 71.5566% | 7,272 |
| Equity capital to assets | 8.0703% | 6,710 |
| Core capital (leverage) ratio | 7.5716% | 7,063 |
| Tier 1 risk-based capital ratio | 9.4584% | 7,456 |
| Total risk-based capital ratio | 10.7191% | 7,403 |
| Memoranda: | ||
| Average total assets | $621,816,000 | 1,142 |
| Average earning assets | $589,960,500 | 1,100 |
| Average equity | $49,474,000 | 1,391 |
| Average total loans | $512,714,000 | 976 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9434% | 5,835 |
| Cost of funding earning assets | 2.6617% | 3,360 |
| Net interest margin | 3.2816% | 6,101 |
| Noninterest income to average assets | 0.2677% | 6,547 |
| Noninterest expense to average assets | 1.6561% | 7,909 |
| Loan and lease loss provision to assets | 1.2007% | 1,196 |
| Net operating income to assets | 0.3515% | 5,348 |
| Return on assets (ROA) | 0.3515% | 5,158 |
| Pretax return on assets | 0.5368% | 4,891 |
| Return on Equity (ROE) | 4.2776% | 4,698 |
| Retained earnings to average equity (ytd only) | -7.5808% | 6,847 |
| Net charge-offs to loans | 0.8901% | 1,390 |
| Credit loss provision to net charge-offs | 164.4714% | 3,130 |
| Earnings coverage of net charge-offs (x) | 2.3800% | 4,889 |
| Efficiency ratio | 48.8012% | 7,751 |
| Assets per employee ($millions) | 6.7397% | 794 |
| Cash dividends to net income (ytd only)* | 277.2187% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 2,207 |
| Loan loss allowance to noncurrent loans | 67.0347% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 2.7966% | 1,681 |
| Noncurrent loans to loans | 2.4000% | 2,289 |
| Net loans and leases to total assets | 80.8759% | 1,473 |
| Net loans and leases to deposits | 106.6078% | 1,073 |
| Net loans and leases to core deposits | 123.4887% | 2,360 |
| Total domestic deposits to total assets | 75.8630% | 6,281 |
| Equity capital to assets | 7.8467% | 7,049 |
| Core capital (leverage) ratio | 7.4615% | 7,249 |
| Tier 1 risk-based capital ratio | 9.1495% | 7,668 |
| Total risk-based capital ratio | 10.4038% | 7,627 |
| Memoranda: | ||
| Average total assets | $621,878,200 | 1,078 |
| Average earning assets | $592,357,200 | 1,039 |
| Average equity | $51,103,000 | 1,322 |
| Average total loans | $510,079,000 | 941 |