Home > Bank of Clark County > Performance and Condition Ratios
Bank of Clark County, Performance and Condition Ratios
| 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 | 6.6644% | 2,183 |
| Cost of funding earning assets | 3.1429% | 1,375 |
| Net interest margin | 3.5216% | 5,224 |
| Noninterest income to average assets | 0.1784% | 7,166 |
| Noninterest expense to average assets | 2.8855% | 4,499 |
| Loan and lease loss provision to assets | 6.9124% | 42 |
| Net operating income to assets | -5.4877% | 8,120 |
| Return on assets (ROA) | -5.4869% | 8,110 |
| Pretax return on assets | -6.2613% | 8,119 |
| Return on Equity (ROE) | -63.7623% | 8,215 |
| Retained earnings to average equity (ytd only) | -66.2144% | 8,215 |
| Net charge-offs to loans | 6.4423% | 47 |
| Credit loss provision to net charge-offs | 113.3251% | 4,763 |
| Earnings coverage of net charge-offs (x) | 0.1066% | 6,181 |
| Efficiency ratio | 81.6109% | 2,357 |
| Assets per employee ($millions) | 4.7428% | 2,259 |
| Cash dividends to net income (ytd only)* | -3.8458% | 7,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0653% | 1,126 |
| Loan loss allowance to noncurrent loans | 15.0321% | 7,390 |
| Noncurrent assets plus other real estate owned to assets | 14.7130% | 63 |
| Noncurrent loans to loans | 13.7391% | 85 |
| Net loans and leases to total assets | 89.4891% | 236 |
| Net loans and leases to deposits | 104.5607% | 1,283 |
| Net loans and leases to core deposits | 131.3065% | 1,766 |
| Total domestic deposits to total assets | 85.5858% | 2,589 |
| Equity capital to assets | 4.3826% | 8,236 |
| Core capital (leverage) ratio | 4.1560% | 8,255 |
| Tier 1 risk-based capital ratio | 4.4622% | 8,270 |
| Total risk-based capital ratio | 5.7212% | 8,271 |
| Memoranda: | ||
| Average total assets | $437,879,800 | 1,562 |
| Average earning assets | $417,454,000 | 1,496 |
| Average equity | $37,680,600 | 1,793 |
| Average total loans | $414,585,200 | 1,161 |