Home > The Community National Bank > Performance and Condition Ratios
The Community National Bank, Performance and Condition Ratios
| 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 | 5.8691% | 2,586 |
| Cost of funding earning assets | 2.0127% | 3,285 |
| Net interest margin | 3.8564% | 3,402 |
| Noninterest income to average assets | 0.8733% | 2,090 |
| Noninterest expense to average assets | 4.5112% | 734 |
| Loan and lease loss provision to assets | 0.5475% | 3,200 |
| Net operating income to assets | -0.8828% | 6,749 |
| Return on assets (ROA) | -0.8828% | 6,750 |
| Pretax return on assets | -0.8828% | 6,596 |
| Return on Equity (ROE) | -10.0894% | 6,903 |
| Retained earnings to average equity (ytd only) | -10.0894% | 6,815 |
| Net charge-offs to loans | 1.7362% | 1,166 |
| Credit loss provision to net charge-offs | 44.8505% | 6,376 |
| Earnings coverage of net charge-offs (x) | -0.2746% | 6,339 |
| Efficiency ratio | 106.9278% | 835 |
| Assets per employee ($millions) | 2.4187% | 7,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3827% | 226 |
| Loan loss allowance to noncurrent loans | 82.8943% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 5.6936% | 978 |
| Noncurrent loans to loans | 5.2871% | 1,205 |
| Net loans and leases to total assets | 66.4879% | 4,310 |
| Net loans and leases to deposits | 73.6288% | 5,420 |
| Net loans and leases to core deposits | 90.4635% | 5,391 |
| Total domestic deposits to total assets | 90.3014% | 667 |
| Equity capital to assets | 9.1513% | 5,258 |
| Core capital (leverage) ratio | 8.0650% | 6,245 |
| Tier 1 risk-based capital ratio | 14.1952% | 3,446 |
| Total risk-based capital ratio | 15.4916% | 3,361 |
| Memoranda: | ||
| Average total assets | $98,627,000 | 5,162 |
| Average earning assets | $84,463,250 | 5,357 |
| Average equity | $8,629,250 | 5,780 |
| Average total loans | $69,343,500 | 4,935 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0099% | 2,142 |
| Cost of funding earning assets | 2.0868% | 3,333 |
| Net interest margin | 3.9231% | 3,004 |
| Noninterest income to average assets | 0.9438% | 1,784 |
| Noninterest expense to average assets | 4.4673% | 799 |
| Loan and lease loss provision to assets | 0.5948% | 2,662 |
| Net operating income to assets | -0.7336% | 6,776 |
| Return on assets (ROA) | -0.7336% | 6,782 |
| Pretax return on assets | -0.7336% | 6,630 |
| Return on Equity (ROE) | -8.5038% | 6,933 |
| Retained earnings to average equity (ytd only) | -8.5038% | 6,723 |
| Net charge-offs to loans | 1.7736% | 1,069 |
| Credit loss provision to net charge-offs | 47.5436% | 5,797 |
| Earnings coverage of net charge-offs (x) | -0.1109% | 5,805 |
| Efficiency ratio | 102.1988% | 1,087 |
| Assets per employee ($millions) | 2.2476% | 7,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3670% | 191 |
| Loan loss allowance to noncurrent loans | 92.1453% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 5.2717% | 965 |
| Noncurrent loans to loans | 4.7393% | 1,330 |
| Net loans and leases to total assets | 67.2502% | 4,300 |
| Net loans and leases to deposits | 74.2820% | 5,415 |
| Net loans and leases to core deposits | 91.6883% | 5,380 |
| Total domestic deposits to total assets | 90.5337% | 616 |
| Equity capital to assets | 8.8983% | 5,456 |
| Core capital (leverage) ratio | 7.9547% | 6,414 |
| Tier 1 risk-based capital ratio | 13.5548% | 3,786 |
| Total risk-based capital ratio | 14.8527% | 3,680 |
| Memoranda: | ||
| Average total assets | $100,866,000 | 5,140 |
| Average earning assets | $87,023,330 | 5,300 |
| Average equity | $8,702,000 | 5,776 |
| Average total loans | $71,154,670 | 4,915 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0536% | 2,137 |
| Cost of funding earning assets | 2.1614% | 3,363 |
| Net interest margin | 3.8923% | 3,068 |
| Noninterest income to average assets | 0.7264% | 2,725 |
| Noninterest expense to average assets | 4.1952% | 944 |
| Loan and lease loss provision to assets | 0.5827% | 2,161 |
| Net operating income to assets | -0.6798% | 7,036 |
| Return on assets (ROA) | -0.6798% | 7,073 |
| Pretax return on assets | -0.6798% | 6,956 |
| Return on Equity (ROE) | -7.9973% | 7,239 |
| Retained earnings to average equity (ytd only) | -7.9973% | 6,916 |
| Net charge-offs to loans | 2.6007% | 523 |
| Credit loss provision to net charge-offs | 31.7125% | 4,927 |
| Earnings coverage of net charge-offs (x) | -0.0529% | 5,026 |
| Efficiency ratio | 101.3270% | 1,075 |
| Assets per employee ($millions) | 2.3289% | 7,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1924% | 189 |
| Loan loss allowance to noncurrent loans | 98.5757% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 4.6833% | 1,004 |
| Noncurrent loans to loans | 4.2530% | 1,387 |
| Net loans and leases to total assets | 67.9129% | 4,162 |
| Net loans and leases to deposits | 74.8572% | 5,364 |
| Net loans and leases to core deposits | 92.8490% | 5,272 |
| Total domestic deposits to total assets | 90.7233% | 503 |
| Equity capital to assets | 8.7425% | 5,702 |
| Core capital (leverage) ratio | 7.8951% | 6,629 |
| Tier 1 risk-based capital ratio | 13.4817% | 3,877 |
| Total risk-based capital ratio | 14.7767% | 3,773 |
| Memoranda: | ||
| Average total assets | $102,975,000 | 5,097 |
| Average earning assets | $89,202,500 | 5,250 |
| Average equity | $8,753,000 | 5,791 |
| Average total loans | $72,750,000 | 4,879 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0555% | 5,269 |
| Cost of funding earning assets | 2.8890% | 2,315 |
| Net interest margin | 3.1665% | 6,473 |
| Noninterest income to average assets | 1.8239% | 407 |
| Noninterest expense to average assets | 5.4183% | 517 |
| Loan and lease loss provision to assets | 1.0872% | 1,332 |
| Net operating income to assets | -1.8800% | 7,580 |
| Return on assets (ROA) | -1.8800% | 7,534 |
| Pretax return on assets | -1.9142% | 7,412 |
| Return on Equity (ROE) | -22.5685% | 7,813 |
| Retained earnings to average equity (ytd only) | -22.5685% | 7,747 |
| Net charge-offs to loans | 2.8249% | 328 |
| Credit loss provision to net charge-offs | 54.8986% | 6,294 |
| Earnings coverage of net charge-offs (x) | -0.4177% | 6,462 |
| Efficiency ratio | 113.6066% | 641 |
| Assets per employee ($millions) | 2.4606% | 7,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4274% | 144 |
| Loan loss allowance to noncurrent loans | 89.5494% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 5.0044% | 694 |
| Noncurrent loans to loans | 4.9440% | 903 |
| Net loans and leases to total assets | 67.3065% | 4,586 |
| Net loans and leases to deposits | 73.8691% | 5,863 |
| Net loans and leases to core deposits | 90.5490% | 5,754 |
| Total domestic deposits to total assets | 91.1159% | 297 |
| Equity capital to assets | 8.2707% | 6,456 |
| Core capital (leverage) ratio | 7.3970% | 7,309 |
| Tier 1 risk-based capital ratio | 12.9744% | 4,127 |
| Total risk-based capital ratio | 14.2727% | 4,009 |
| Memoranda: | ||
| Average total assets | $119,577,000 | 4,536 |
| Average earning assets | $104,500,200 | 4,664 |
| Average equity | $9,960,800 | 5,424 |
| Average total loans | $83,825,800 | 4,401 |