Home > The La Coste National Bank > Performance and Condition Ratios
The La Coste National Bank, Performance and Condition Ratios
| 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 | 5.4546% | 4,417 |
| Cost of funding earning assets | 2.5242% | 963 |
| Net interest margin | 2.9304% | 6,800 |
| Noninterest income to average assets | 0.5451% | 4,062 |
| Noninterest expense to average assets | 2.6158% | 5,735 |
| Loan and lease loss provision to assets | 0.1034% | 6,598 |
| Net operating income to assets | 0.4128% | 4,077 |
| Return on assets (ROA) | 0.4503% | 4,046 |
| Pretax return on assets | 0.5451% | 4,065 |
| Return on Equity (ROE) | 4.9381% | 3,699 |
| Retained earnings to average equity (ytd only) | 1.1577% | 4,236 |
| Net charge-offs to loans | 0.1392% | 5,826 |
| Credit loss provision to net charge-offs | 160.0000% | 2,792 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 1,818 |
| Efficiency ratio | 81.2584% | 2,705 |
| Assets per employee ($millions) | 5.3936% | 1,745 |
| Cash dividends to net income (ytd only)* | 76.5550% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8356% | 7,026 |
| Loan loss allowance to noncurrent loans | 279.4118% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 7,164 |
| Noncurrent loans to loans | 0.2990% | 6,680 |
| Net loans and leases to total assets | 41.8070% | 7,256 |
| Net loans and leases to deposits | 45.7615% | 7,455 |
| Net loans and leases to core deposits | 81.8208% | 5,927 |
| Total domestic deposits to total assets | 91.3583% | 418 |
| Equity capital to assets | 7.8408% | 6,727 |
| Core capital (leverage) ratio | 7.7725% | 6,483 |
| Tier 1 risk-based capital ratio | 19.8869% | 1,479 |
| Total risk-based capital ratio | 20.7972% | 1,511 |
| Memoranda: | ||
| Average total assets | $46,411,000 | 6,853 |
| Average earning assets | $42,349,400 | 6,845 |
| Average equity | $4,232,400 | 7,199 |
| Average total loans | $21,545,200 | 7,111 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6138% | 3,783 |
| Cost of funding earning assets | 2.6037% | 1,023 |
| Net interest margin | 3.0101% | 6,581 |
| Noninterest income to average assets | 0.5659% | 3,963 |
| Noninterest expense to average assets | 2.6019% | 5,706 |
| Loan and lease loss provision to assets | 0.0898% | 6,471 |
| Net operating income to assets | 0.4771% | 4,084 |
| Return on assets (ROA) | 0.5150% | 4,014 |
| Pretax return on assets | 0.6497% | 4,020 |
| Return on Equity (ROE) | 5.4174% | 3,781 |
| Retained earnings to average equity (ytd only) | 2.8975% | 3,705 |
| Net charge-offs to loans | 0.0941% | 5,735 |
| Credit loss provision to net charge-offs | 200.0000% | 2,230 |
| Earnings coverage of net charge-offs (x) | 15.3995% | 1,538 |
| Efficiency ratio | 79.0000% | 2,997 |
| Assets per employee ($millions) | 4.7737% | 2,437 |
| Cash dividends to net income (ytd only)* | 46.5094% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 6,958 |
| Loan loss allowance to noncurrent loans | 719.2308% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 7,441 |
| Noncurrent loans to loans | 0.1180% | 7,181 |
| Net loans and leases to total assets | 41.5932% | 7,388 |
| Net loans and leases to deposits | 45.6686% | 7,576 |
| Net loans and leases to core deposits | 77.3818% | 6,536 |
| Total domestic deposits to total assets | 91.0762% | 391 |
| Equity capital to assets | 8.2288% | 6,600 |
| Core capital (leverage) ratio | 8.7486% | 5,049 |
| Tier 1 risk-based capital ratio | 18.7928% | 1,802 |
| Total risk-based capital ratio | 19.6308% | 1,844 |
| Memoranda: | ||
| Average total assets | $44,529,750 | 6,981 |
| Average earning assets | $40,351,750 | 6,988 |
| Average equity | $4,233,250 | 7,268 |
| Average total loans | $21,246,750 | 7,189 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8689% | 2,720 |
| Cost of funding earning assets | 2.7434% | 919 |
| Net interest margin | 3.1255% | 6,167 |
| Noninterest income to average assets | 0.6019% | 3,679 |
| Noninterest expense to average assets | 2.6845% | 5,442 |
| Loan and lease loss provision to assets | 0.1099% | 6,056 |
| Net operating income to assets | 0.4937% | 4,110 |
| Return on assets (ROA) | 0.5541% | 3,982 |
| Pretax return on assets | 0.6974% | 4,002 |
| Return on Equity (ROE) | 5.5186% | 3,855 |
| Retained earnings to average equity (ytd only) | 1.7127% | 4,387 |
| Net charge-offs to loans | 0.0858% | 5,351 |
| Credit loss provision to net charge-offs | 255.5556% | 1,822 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,502 |
| Efficiency ratio | 78.6014% | 3,254 |
| Assets per employee ($millions) | 4.3299% | 3,059 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9233% | 6,674 |
| Loan loss allowance to noncurrent loans | 664.2857% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 7,430 |
| Noncurrent loans to loans | 0.1390% | 7,170 |
| Net loans and leases to total assets | 46.0958% | 7,185 |
| Net loans and leases to deposits | 51.3045% | 7,418 |
| Net loans and leases to core deposits | 102.0712% | 4,278 |
| Total domestic deposits to total assets | 89.8473% | 892 |
| Equity capital to assets | 9.5730% | 4,522 |
| Core capital (leverage) ratio | 9.8658% | 3,434 |
| Tier 1 risk-based capital ratio | 21.7355% | 1,293 |
| Total risk-based capital ratio | 22.7125% | 1,297 |
| Memoranda: | ||
| Average total assets | $41,869,330 | 7,140 |
| Average earning assets | $37,690,000 | 7,147 |
| Average equity | $4,204,000 | 7,338 |
| Average total loans | $20,986,330 | 7,269 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9672% | 2,496 |
| Cost of funding earning assets | 2.6938% | 1,293 |
| Net interest margin | 3.2734% | 5,604 |
| Noninterest income to average assets | 0.6318% | 3,341 |
| Noninterest expense to average assets | 2.7895% | 4,597 |
| Loan and lease loss provision to assets | 0.1458% | 5,077 |
| Net operating income to assets | 0.6609% | 3,755 |
| Return on assets (ROA) | 0.6804% | 3,845 |
| Pretax return on assets | 0.6804% | 4,497 |
| Return on Equity (ROE) | 6.6139% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.6139% | 2,371 |
| Net charge-offs to loans | 0.1682% | 3,624 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | 9.2222% | 2,084 |
| Efficiency ratio | 77.5676% | 3,247 |
| Assets per employee ($millions) | 4.2527% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 7,004 |
| Loan loss allowance to noncurrent loans | 2,542.8571% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 7,585 |
| Noncurrent loans to loans | 0.0331% | 7,456 |
| Net loans and leases to total assets | 49.3780% | 6,912 |
| Net loans and leases to deposits | 55.4488% | 7,190 |
| Net loans and leases to core deposits | 94.7266% | 5,087 |
| Total domestic deposits to total assets | 89.0517% | 1,211 |
| Equity capital to assets | 10.0548% | 3,938 |
| Core capital (leverage) ratio | 10.2625% | 3,144 |
| Tier 1 risk-based capital ratio | 22.5355% | 1,240 |
| Total risk-based capital ratio | 23.4970% | 1,238 |
| Memoranda: | ||
| Average total assets | $41,154,500 | 7,195 |
| Average earning assets | $37,270,500 | 7,206 |
| Average equity | $4,233,500 | 7,369 |
| Average total loans | $21,407,000 | 7,285 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3247% | 3,827 |
| Cost of funding earning assets | 2.4835% | 4,293 |
| Net interest margin | 3.8413% | 3,832 |
| Noninterest income to average assets | 0.7677% | 2,682 |
| Noninterest expense to average assets | 3.1914% | 3,369 |
| Loan and lease loss provision to assets | 0.2645% | 4,280 |
| Net operating income to assets | 0.7725% | 3,563 |
| Return on assets (ROA) | 0.8367% | 3,121 |
| Pretax return on assets | 0.9028% | 3,713 |
| Return on Equity (ROE) | 7.0906% | 3,483 |
| Retained earnings to average equity (ytd only) | 1.2427% | 4,477 |
| Net charge-offs to loans | 0.2543% | 3,729 |
| Credit loss provision to net charge-offs | 195.7447% | 2,507 |
| Earnings coverage of net charge-offs (x) | 8.1277% | 2,935 |
| Efficiency ratio | 74.3968% | 3,506 |
| Assets per employee ($millions) | 3.9782% | 3,570 |
| Cash dividends to net income (ytd only)* | 82.4742% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7949% | 7,126 |
| Loan loss allowance to noncurrent loans | 2,457.1429% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 7,534 |
| Noncurrent loans to loans | 0.0324% | 7,379 |
| Net loans and leases to total assets | 53.9566% | 6,659 |
| Net loans and leases to deposits | 60.8229% | 7,027 |
| Net loans and leases to core deposits | 98.9992% | 4,929 |
| Total domestic deposits to total assets | 88.7110% | 1,148 |
| Equity capital to assets | 10.5349% | 3,459 |
| Core capital (leverage) ratio | 10.5520% | 2,938 |
| Tier 1 risk-based capital ratio | 22.9149% | 1,207 |
| Total risk-based capital ratio | 23.8758% | 1,210 |
| Memoranda: | ||
| Average total assets | $34,781,000 | 7,432 |
| Average earning assets | $31,890,600 | 7,415 |
| Average equity | $4,104,000 | 7,474 |
| Average total loans | $18,480,000 | 7,432 |