Home > Central Bank of the South > Performance and Condition Ratios
Central Bank of the South, 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 | 0.2442% | 8,182 |
| Cost of funding earning assets | 0.0488% | 8,161 |
| Net interest margin | 0.1954% | 8,167 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 0.7375% | 8,152 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.3494% | 6,394 |
| Return on assets (ROA) | -0.3494% | 6,402 |
| Pretax return on assets | -0.5823% | 6,505 |
| Return on Equity (ROE) | -1.1038% | 6,085 |
| Retained earnings to average equity (ytd only) | -1.1038% | 5,510 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 475.0000% | 42 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 68.3197% | 7,600 |
| Equity capital to assets | 31.6414% | 121 |
| Core capital (leverage) ratio | 31.6291% | 127 |
| Tier 1 risk-based capital ratio | 158.2685% | 46 |
| Total risk-based capital ratio | 158.2685% | 46 |
| Memoranda: | ||
| Average total assets | $5,152,330 | 8,188 |
| Average earning assets | $4,095,000 | 8,179 |
| Average equity | $1,630,670 | 8,068 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2930% | 8,235 |
| Cost of funding earning assets | 0.0000% | 8,229 |
| Net interest margin | 0.2930% | 8,210 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 1.0858% | 8,149 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.5429% | 6,918 |
| Return on assets (ROA) | -0.5429% | 6,963 |
| Pretax return on assets | -0.8531% | 7,066 |
| Return on Equity (ROE) | -1.7152% | 6,629 |
| Retained earnings to average equity (ytd only) | -1.7152% | 6,040 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 466.6667% | 45 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 68.1607% | 7,585 |
| Equity capital to assets | 31.6065% | 129 |
| Core capital (leverage) ratio | 31.6311% | 138 |
| Tier 1 risk-based capital ratio | 157.2394% | 50 |
| Total risk-based capital ratio | 157.2394% | 50 |
| Memoranda: | ||
| Average total assets | $5,157,500 | 8,239 |
| Average earning assets | $4,095,000 | 8,230 |
| Average equity | $1,632,500 | 8,124 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0269% | 8,221 |
| Cost of funding earning assets | 0.0244% | 8,284 |
| Net interest margin | 2.0024% | 8,063 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 0.1360% | 8,288 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9134% | 2,947 |
| Return on assets (ROA) | 0.9134% | 2,797 |
| Pretax return on assets | 1.4575% | 1,798 |
| Return on Equity (ROE) | 2.9077% | 5,270 |
| Retained earnings to average equity (ytd only) | 2.9077% | 3,362 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.5366% | 8,279 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 68.0682% | 7,463 |
| Equity capital to assets | 31.6993% | 153 |
| Core capital (leverage) ratio | 31.7485% | 165 |
| Tier 1 risk-based capital ratio | 157.4591% | 52 |
| Total risk-based capital ratio | 157.4591% | 52 |
| Memoranda: | ||
| Average total assets | $5,145,800 | 8,297 |
| Average earning assets | $4,095,000 | 8,289 |
| Average equity | $1,616,400 | 8,197 |
| Average total loans | NA | NA |