Home > Yuma Community Bank > Performance and Condition Ratios
Yuma Community Bank, 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 | 6.7377% | 505 |
| Cost of funding earning assets | 1.4628% | 6,288 |
| Net interest margin | 5.2749% | 255 |
| Noninterest income to average assets | 0.3400% | 5,791 |
| Noninterest expense to average assets | 3.5883% | 2,099 |
| Loan and lease loss provision to assets | 0.2212% | 4,819 |
| Net operating income to assets | 0.8625% | 2,600 |
| Return on assets (ROA) | 0.8625% | 2,704 |
| Pretax return on assets | 1.4154% | 1,681 |
| Return on Equity (ROE) | 8.6900% | 2,474 |
| Retained earnings to average equity (ytd only) | -17.7699% | 7,384 |
| Net charge-offs to loans | 0.4330% | 3,078 |
| Credit loss provision to net charge-offs | 59.2593% | 5,606 |
| Earnings coverage of net charge-offs (x) | 4.3852% | 3,111 |
| Efficiency ratio | 68.6772% | 5,038 |
| Assets per employee ($millions) | 5.5187% | 1,565 |
| Cash dividends to net income (ytd only)* | 304.4872% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 5,389 |
| Loan loss allowance to noncurrent loans | 32.2042% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 3.9474% | 1,515 |
| Noncurrent loans to loans | 3.5085% | 2,001 |
| Net loans and leases to total assets | 82.3286% | 894 |
| Net loans and leases to deposits | 106.1499% | 757 |
| Net loans and leases to core deposits | 142.8105% | 901 |
| Total domestic deposits to total assets | 77.5588% | 6,187 |
| Equity capital to assets | 9.6692% | 4,396 |
| Core capital (leverage) ratio | 8.3128% | 5,773 |
| Tier 1 risk-based capital ratio | 9.7694% | 7,167 |
| Total risk-based capital ratio | 10.8837% | 7,239 |
| Memoranda: | ||
| Average total assets | $72,346,670 | 6,022 |
| Average earning assets | $66,996,000 | 5,978 |
| Average equity | $7,180,670 | 6,310 |
| Average total loans | $62,359,330 | 5,243 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7033% | 579 |
| Cost of funding earning assets | 1.4909% | 6,431 |
| Net interest margin | 5.2124% | 275 |
| Noninterest income to average assets | 0.3524% | 5,624 |
| Noninterest expense to average assets | 3.3421% | 2,525 |
| Loan and lease loss provision to assets | -0.0881% | 8,204 |
| Net operating income to assets | 1.1893% | 1,689 |
| Return on assets (ROA) | 1.1893% | 1,799 |
| Pretax return on assets | 1.9491% | 726 |
| Return on Equity (ROE) | 11.8316% | 1,720 |
| Retained earnings to average equity (ytd only) | -40.2054% | 7,966 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2328% | 5,648 |
| Assets per employee ($millions) | 4.8178% | 2,285 |
| Cash dividends to net income (ytd only)* | 439.8148% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 5,284 |
| Loan loss allowance to noncurrent loans | 33.9676% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 2.9087% | 1,955 |
| Noncurrent loans to loans | 3.3161% | 1,932 |
| Net loans and leases to total assets | 86.7256% | 365 |
| Net loans and leases to deposits | 111.5315% | 545 |
| Net loans and leases to core deposits | 148.3619% | 759 |
| Total domestic deposits to total assets | 77.7589% | 6,092 |
| Equity capital to assets | 9.5341% | 4,624 |
| Core capital (leverage) ratio | 8.1865% | 6,134 |
| Tier 1 risk-based capital ratio | 9.2775% | 7,608 |
| Total risk-based capital ratio | 10.4150% | 7,696 |
| Memoranda: | ||
| Average total assets | $72,648,500 | 6,043 |
| Average earning assets | $67,608,500 | 5,989 |
| Average equity | $7,302,500 | 6,297 |
| Average total loans | $63,669,000 | 5,221 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0403% | 1,027 |
| Cost of funding earning assets | 2.2750% | 5,267 |
| Net interest margin | 4.7653% | 841 |
| Noninterest income to average assets | 0.4476% | 5,059 |
| Noninterest expense to average assets | 3.2394% | 3,187 |
| Loan and lease loss provision to assets | 0.4144% | 3,210 |
| Net operating income to assets | 0.7504% | 3,666 |
| Return on assets (ROA) | 0.7504% | 3,504 |
| Pretax return on assets | 1.2312% | 2,544 |
| Return on Equity (ROE) | 7.2851% | 3,379 |
| Retained earnings to average equity (ytd only) | 0.2579% | 5,086 |
| Net charge-offs to loans | 0.1617% | 4,580 |
| Credit loss provision to net charge-offs | 291.5888% | 1,557 |
| Earnings coverage of net charge-offs (x) | 11.5794% | 2,356 |
| Efficiency ratio | 66.3132% | 5,058 |
| Assets per employee ($millions) | 4.8687% | 2,086 |
| Cash dividends to net income (ytd only)* | 96.4602% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 4,983 |
| Loan loss allowance to noncurrent loans | 48.4728% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 2.0622% | 2,382 |
| Noncurrent loans to loans | 2.3550% | 2,336 |
| Net loans and leases to total assets | 86.5672% | 531 |
| Net loans and leases to deposits | 115.5167% | 544 |
| Net loans and leases to core deposits | 149.3715% | 876 |
| Total domestic deposits to total assets | 74.9391% | 6,466 |
| Equity capital to assets | 10.5642% | 3,431 |
| Core capital (leverage) ratio | 8.9365% | 4,837 |
| Tier 1 risk-based capital ratio | 10.2569% | 6,462 |
| Total risk-based capital ratio | 11.3990% | 6,438 |
| Memoranda: | ||
| Average total assets | $75,290,800 | 5,864 |
| Average earning assets | $70,110,600 | 5,815 |
| Average equity | $7,755,600 | 6,186 |
| Average total loans | $66,163,000 | 5,011 |