Home > Community Bank Plymouth > Performance and Condition Ratios
Community Bank Plymouth, 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 | 5.4781% | 2,698 |
| Cost of funding earning assets | 2.2718% | 467 |
| Net interest margin | 3.2063% | 6,274 |
| Noninterest income to average assets | 1.6472% | 468 |
| Noninterest expense to average assets | 3.5908% | 1,759 |
| Loan and lease loss provision to assets | 2.4122% | 441 |
| Net operating income to assets | -1.6128% | 7,364 |
| Return on assets (ROA) | -1.6128% | 7,368 |
| Pretax return on assets | -1.6128% | 7,294 |
| Return on Equity (ROE) | -11.3194% | 7,183 |
| Retained earnings to average equity (ytd only) | -11.3194% | 7,032 |
| Net charge-offs to loans | 2.5217% | 648 |
| Credit loss provision to net charge-offs | 130.1115% | 2,713 |
| Earnings coverage of net charge-offs (x) | 0.4312% | 4,645 |
| Efficiency ratio | 81.7896% | 2,295 |
| Assets per employee ($millions) | 5.1118% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3477% | 7,723 |
| Loan loss allowance to noncurrent loans | 11.9694% | 7,291 |
| Noncurrent assets plus other real estate owned to assets | 3.2278% | 2,224 |
| Noncurrent loans to loans | 2.9046% | 2,777 |
| Net loans and leases to total assets | 71.8744% | 2,484 |
| Net loans and leases to deposits | 93.2295% | 1,446 |
| Net loans and leases to core deposits | 126.8240% | 564 |
| Total domestic deposits to total assets | 77.0941% | 6,536 |
| Equity capital to assets | 14.4994% | 1,002 |
| Core capital (leverage) ratio | 10.0781% | 3,066 |
| Tier 1 risk-based capital ratio | 11.4385% | 5,731 |
| Total risk-based capital ratio | 11.7246% | 6,649 |
| Memoranda: | ||
| Average total assets | $58,037,500 | 6,470 |
| Average earning assets | $49,652,500 | 6,564 |
| Average equity | $8,269,000 | 5,747 |
| Average total loans | $42,669,000 | 5,998 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8979% | 7,978 |
| Cost of funding earning assets | 0.3969% | 7,877 |
| Net interest margin | 0.5009% | 7,968 |
| Noninterest income to average assets | 0.2832% | 6,078 |
| Noninterest expense to average assets | 0.6814% | 7,972 |
| Loan and lease loss provision to assets | 0.0778% | 6,819 |
| Net operating income to assets | -0.0264% | 5,542 |
| Return on assets (ROA) | -0.0264% | 5,574 |
| Pretax return on assets | -0.0264% | 5,487 |
| Return on Equity (ROE) | -0.3162% | 5,589 |
| Retained earnings to average equity (ytd only) | -0.3162% | 5,027 |
| Net charge-offs to loans | 2.0566% | 1,191 |
| Credit loss provision to net charge-offs | 4.4053% | 6,996 |
| Earnings coverage of net charge-offs (x) | 0.0291% | 6,161 |
| Efficiency ratio | 61.7834% | 6,190 |
| Assets per employee ($millions) | 4.9871% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1340% | 7,905 |
| Loan loss allowance to noncurrent loans | 2.0972% | 7,436 |
| Noncurrent assets plus other real estate owned to assets | 5.2486% | 1,132 |
| Noncurrent loans to loans | 6.3887% | 953 |
| Net loans and leases to total assets | 74.7297% | 2,091 |
| Net loans and leases to deposits | 99.0564% | 991 |
| Net loans and leases to core deposits | 110.8902% | 2,808 |
| Total domestic deposits to total assets | 75.4416% | 6,786 |
| Equity capital to assets | 14.0112% | 1,168 |
| Core capital (leverage) ratio | 10.1885% | 2,899 |
| Tier 1 risk-based capital ratio | 11.1111% | 5,817 |
| Total risk-based capital ratio | 11.2247% | 6,869 |
| Memoranda: | ||
| Average total assets | $64,276,600 | 6,187 |
| Average earning assets | $57,692,000 | 6,229 |
| Average equity | $5,376,000 | 6,814 |
| Average total loans | $55,188,400 | 5,451 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3554% | 1,018 |
| Cost of funding earning assets | 2.9783% | 350 |
| Net interest margin | 3.3771% | 5,358 |
| Noninterest income to average assets | 0.4140% | 5,181 |
| Noninterest expense to average assets | 3.6501% | 1,920 |
| Loan and lease loss provision to assets | 5.3487% | 147 |
| Net operating income to assets | -5.5282% | 7,888 |
| Return on assets (ROA) | -5.4568% | 7,880 |
| Pretax return on assets | -5.4568% | 7,861 |
| Return on Equity (ROE) | -77.1649% | 7,953 |
| Retained earnings to average equity (ytd only) | -77.1649% | 7,951 |
| Net charge-offs to loans | 5.4910% | 179 |
| Credit loss provision to net charge-offs | 110.2101% | 4,616 |
| Earnings coverage of net charge-offs (x) | -0.0370% | 6,111 |
| Efficiency ratio | 105.1704% | 878 |
| Assets per employee ($millions) | 5.0671% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8043% | 787 |
| Loan loss allowance to noncurrent loans | 56.3114% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 4.6674% | 1,288 |
| Noncurrent loans to loans | 4.9799% | 1,335 |
| Net loans and leases to total assets | 81.6265% | 878 |
| Net loans and leases to deposits | 95.0897% | 1,697 |
| Net loans and leases to core deposits | 110.7064% | 3,156 |
| Total domestic deposits to total assets | 85.8416% | 2,784 |
| Equity capital to assets | 5.5801% | 7,910 |
| Core capital (leverage) ratio | 5.4538% | 7,878 |
| Tier 1 risk-based capital ratio | 6.0354% | 7,954 |
| Total risk-based capital ratio | 7.3010% | 7,956 |
| Memoranda: | ||
| Average total assets | $65,384,500 | 6,197 |
| Average earning assets | $59,182,250 | 6,203 |
| Average equity | $4,623,750 | 7,136 |
| Average total loans | $57,790,000 | 5,390 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4813% | 859 |
| Cost of funding earning assets | 3.0125% | 454 |
| Net interest margin | 3.4688% | 4,940 |
| Noninterest income to average assets | 0.8728% | 2,089 |
| Noninterest expense to average assets | 3.9575% | 1,387 |
| Loan and lease loss provision to assets | 6.9226% | 97 |
| Net operating income to assets | -6.8718% | 8,045 |
| Return on assets (ROA) | -6.7672% | 8,031 |
| Pretax return on assets | -6.7672% | 8,008 |
| Return on Equity (ROE) | -89.9484% | 8,061 |
| Retained earnings to average equity (ytd only) | -89.9484% | 8,059 |
| Net charge-offs to loans | 5.8836% | 189 |
| Credit loss provision to net charge-offs | 131.1438% | 3,558 |
| Earnings coverage of net charge-offs (x) | 0.0096% | 5,678 |
| Efficiency ratio | 98.7323% | 1,237 |
| Assets per employee ($millions) | 4.8018% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1307% | 505 |
| Loan loss allowance to noncurrent loans | 87.8283% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 4.3653% | 1,311 |
| Noncurrent loans to loans | 3.5646% | 1,965 |
| Net loans and leases to total assets | 86.1960% | 363 |
| Net loans and leases to deposits | 100.7716% | 1,205 |
| Net loans and leases to core deposits | 117.7886% | 2,558 |
| Total domestic deposits to total assets | 85.5360% | 2,999 |
| Equity capital to assets | 6.0778% | 7,914 |
| Core capital (leverage) ratio | 5.8060% | 7,953 |
| Tier 1 risk-based capital ratio | 6.3106% | 8,042 |
| Total risk-based capital ratio | 7.5831% | 8,048 |
| Memoranda: | ||
| Average total assets | $66,911,000 | 6,193 |
| Average earning assets | $60,481,330 | 6,203 |
| Average equity | $5,034,000 | 7,048 |
| Average total loans | $60,031,670 | 5,333 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3901% | 1,081 |
| Cost of funding earning assets | 2.9812% | 633 |
| Net interest margin | 3.4089% | 5,107 |
| Noninterest income to average assets | 0.8503% | 2,079 |
| Noninterest expense to average assets | 3.9332% | 1,264 |
| Loan and lease loss provision to assets | 4.9917% | 160 |
| Net operating income to assets | -4.9859% | 8,040 |
| Return on assets (ROA) | -4.7835% | 8,017 |
| Pretax return on assets | -4.7835% | 7,969 |
| Return on Equity (ROE) | -58.5073% | 8,081 |
| Retained earnings to average equity (ytd only) | -58.5073% | 8,066 |
| Net charge-offs to loans | 4.0723% | 295 |
| Credit loss provision to net charge-offs | 136.1199% | 2,984 |
| Earnings coverage of net charge-offs (x) | 0.0016% | 4,975 |
| Efficiency ratio | 99.8532% | 1,134 |
| Assets per employee ($millions) | 5.1588% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3124% | 929 |
| Loan loss allowance to noncurrent loans | 51.2468% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 4.7521% | 980 |
| Noncurrent loans to loans | 4.5122% | 1,269 |
| Net loans and leases to total assets | 89.3223% | 174 |
| Net loans and leases to deposits | 105.7459% | 887 |
| Net loans and leases to core deposits | 122.8750% | 2,177 |
| Total domestic deposits to total assets | 84.4688% | 3,476 |
| Equity capital to assets | 7.8014% | 7,072 |
| Core capital (leverage) ratio | 7.5627% | 7,073 |
| Tier 1 risk-based capital ratio | 7.9010% | 8,023 |
| Total risk-based capital ratio | 9.1387% | 8,045 |
| Memoranda: | ||
| Average total assets | $69,154,500 | 6,137 |
| Average earning assets | $62,659,000 | 6,151 |
| Average equity | $5,654,000 | 6,897 |
| Average total loans | $62,274,500 | 5,277 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0002% | 1,128 |
| Cost of funding earning assets | 3.1874% | 1,233 |
| Net interest margin | 3.8128% | 3,964 |
| Noninterest income to average assets | 0.5676% | 4,097 |
| Noninterest expense to average assets | 3.5426% | 2,282 |
| Loan and lease loss provision to assets | 2.2795% | 496 |
| Net operating income to assets | -1.7936% | 7,558 |
| Return on assets (ROA) | -1.7936% | 7,512 |
| Pretax return on assets | -1.7936% | 7,375 |
| Return on Equity (ROE) | -19.1369% | 7,743 |
| Retained earnings to average equity (ytd only) | -24.1153% | 7,787 |
| Net charge-offs to loans | 1.6211% | 697 |
| Credit loss provision to net charge-offs | 161.9852% | 3,191 |
| Earnings coverage of net charge-offs (x) | 0.3453% | 6,024 |
| Efficiency ratio | 87.9380% | 1,683 |
| Assets per employee ($millions) | 4.1908% | 3,135 |
| Cash dividends to net income (ytd only)* | -26.0149% | 7,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8805% | 1,462 |
| Loan loss allowance to noncurrent loans | 55.6387% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 3.7014% | 1,171 |
| Noncurrent loans to loans | 3.3799% | 1,526 |
| Net loans and leases to total assets | 87.0782% | 465 |
| Net loans and leases to deposits | 106.6917% | 1,067 |
| Net loans and leases to core deposits | 124.7170% | 2,269 |
| Total domestic deposits to total assets | 81.6167% | 4,364 |
| Equity capital to assets | 8.5284% | 6,036 |
| Core capital (leverage) ratio | 8.6543% | 5,277 |
| Tier 1 risk-based capital ratio | 8.7898% | 7,915 |
| Total risk-based capital ratio | 10.0597% | 7,952 |
| Memoranda: | ||
| Average total assets | $67,295,800 | 6,112 |
| Average earning assets | $61,083,800 | 6,128 |
| Average equity | $6,307,200 | 6,700 |
| Average total loans | $58,416,200 | 5,343 |