Home > Butte Community Bank > Performance and Condition Ratios
Butte Community Bank, Performance and Condition Ratios
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8145% | 5,745 |
| Cost of funding earning assets | 0.7543% | 7,056 |
| Net interest margin | 4.0602% | 2,747 |
| Noninterest income to average assets | 2.9282% | 223 |
| Noninterest expense to average assets | 4.7558% | 454 |
| Loan and lease loss provision to assets | 3.9402% | 198 |
| Net operating income to assets | -1.7163% | 7,225 |
| Return on assets (ROA) | -1.7163% | 7,235 |
| Pretax return on assets | -2.1634% | 7,283 |
| Return on Equity (ROE) | -44.5070% | 7,569 |
| Retained earnings to average equity (ytd only) | -44.5070% | 7,561 |
| Net charge-offs to loans | 3.4963% | 422 |
| Credit loss provision to net charge-offs | 137.1214% | 2,924 |
| Earnings coverage of net charge-offs (x) | 0.6183% | 5,125 |
| Efficiency ratio | 72.8012% | 3,695 |
| Assets per employee ($millions) | 2.3637% | 7,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7463% | 451 |
| Loan loss allowance to noncurrent loans | 18.4694% | 7,014 |
| Noncurrent assets plus other real estate owned to assets | 19.3403% | 63 |
| Noncurrent loans to loans | 20.2838% | 80 |
| Net loans and leases to total assets | 81.1100% | 656 |
| Net loans and leases to deposits | 85.8423% | 2,534 |
| Net loans and leases to core deposits | 88.1976% | 3,519 |
| Total domestic deposits to total assets | 94.4872% | 63 |
| Equity capital to assets | 3.7608% | 7,708 |
| Core capital (leverage) ratio | 3.5887% | 7,705 |
| Tier 1 risk-based capital ratio | 4.0891% | 7,742 |
| Total risk-based capital ratio | 5.3671% | 7,743 |
| Memoranda: | ||
| Average total assets | $519,371,000 | 1,303 |
| Average earning assets | $461,066,000 | 1,346 |
| Average equity | $20,028,330 | 3,168 |
| Average total loans | $426,846,670 | 1,065 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6145% | 6,517 |
| Cost of funding earning assets | 0.7826% | 7,143 |
| Net interest margin | 3.8319% | 3,662 |
| Noninterest income to average assets | 1.2981% | 717 |
| Noninterest expense to average assets | 5.4380% | 280 |
| Loan and lease loss provision to assets | 3.9941% | 216 |
| Net operating income to assets | -3.1015% | 7,650 |
| Return on assets (ROA) | -3.1015% | 7,646 |
| Pretax return on assets | -4.7357% | 7,742 |
| Return on Equity (ROE) | -79.5006% | 7,798 |
| Retained earnings to average equity (ytd only) | -79.5006% | 7,793 |
| Net charge-offs to loans | 3.0549% | 502 |
| Credit loss provision to net charge-offs | 161.0046% | 2,242 |
| Earnings coverage of net charge-offs (x) | -0.2989% | 5,207 |
| Efficiency ratio | 115.7903% | 497 |
| Assets per employee ($millions) | 2.4035% | 7,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5153% | 540 |
| Loan loss allowance to noncurrent loans | 19.6178% | 7,035 |
| Noncurrent assets plus other real estate owned to assets | 16.5612% | 102 |
| Noncurrent loans to loans | 17.9188% | 113 |
| Net loans and leases to total assets | 78.8288% | 1,001 |
| Net loans and leases to deposits | 84.2594% | 2,899 |
| Net loans and leases to core deposits | 87.6384% | 3,662 |
| Total domestic deposits to total assets | 93.5550% | 87 |
| Equity capital to assets | 3.5688% | 7,821 |
| Core capital (leverage) ratio | 3.4901% | 7,814 |
| Tier 1 risk-based capital ratio | 3.9491% | 7,844 |
| Total risk-based capital ratio | 5.2247% | 7,845 |
| Memoranda: | ||
| Average total assets | $529,681,000 | 1,318 |
| Average earning assets | $469,739,500 | 1,353 |
| Average equity | $20,664,000 | 3,107 |
| Average total loans | $430,129,000 | 1,092 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5427% | 3,912 |
| Cost of funding earning assets | 1.1633% | 6,788 |
| Net interest margin | 4.3794% | 1,491 |
| Noninterest income to average assets | 2.1674% | 337 |
| Noninterest expense to average assets | 5.4560% | 400 |
| Loan and lease loss provision to assets | 4.0243% | 332 |
| Net operating income to assets | -4.5900% | 7,686 |
| Return on assets (ROA) | -4.6200% | 7,692 |
| Pretax return on assets | -3.4499% | 7,405 |
| Return on Equity (ROE) | -62.2253% | 7,768 |
| Retained earnings to average equity (ytd only) | -62.7542% | 7,766 |
| Net charge-offs to loans | 3.8091% | 461 |
| Credit loss provision to net charge-offs | 128.7525% | 3,999 |
| Earnings coverage of net charge-offs (x) | 0.1934% | 5,948 |
| Efficiency ratio | 90.0268% | 1,708 |
| Assets per employee ($millions) | 2.3903% | 7,364 |
| Cash dividends to net income (ytd only)* | -0.8500% | 7,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9886% | 781 |
| Loan loss allowance to noncurrent loans | 20.3367% | 7,043 |
| Noncurrent assets plus other real estate owned to assets | 14.3719% | 155 |
| Noncurrent loans to loans | 14.6957% | 184 |
| Net loans and leases to total assets | 78.3122% | 1,318 |
| Net loans and leases to deposits | 84.2142% | 3,215 |
| Net loans and leases to core deposits | 100.0573% | 3,994 |
| Total domestic deposits to total assets | 92.9916% | 125 |
| Equity capital to assets | 4.2236% | 7,843 |
| Core capital (leverage) ratio | 3.9811% | 7,847 |
| Tier 1 risk-based capital ratio | 4.6462% | 7,888 |
| Total risk-based capital ratio | 5.9149% | 7,889 |
| Memoranda: | ||
| Average total assets | $572,943,800 | 1,209 |
| Average earning assets | $509,321,400 | 1,237 |
| Average equity | $42,539,000 | 1,570 |
| Average total loans | $470,132,400 | 1,026 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5301% | 4,269 |
| Cost of funding earning assets | 1.2384% | 6,764 |
| Net interest margin | 4.2917% | 1,750 |
| Noninterest income to average assets | 2.2814% | 305 |
| Noninterest expense to average assets | 5.1998% | 428 |
| Loan and lease loss provision to assets | 2.9988% | 493 |
| Net operating income to assets | -1.1781% | 6,947 |
| Return on assets (ROA) | -1.2033% | 6,968 |
| Pretax return on assets | -2.1377% | 7,227 |
| Return on Equity (ROE) | -14.7380% | 7,177 |
| Retained earnings to average equity (ytd only) | -15.3697% | 7,158 |
| Net charge-offs to loans | 2.2649% | 837 |
| Credit loss provision to net charge-offs | 160.7568% | 2,944 |
| Earnings coverage of net charge-offs (x) | 0.4827% | 5,547 |
| Efficiency ratio | 85.2382% | 2,155 |
| Assets per employee ($millions) | 2.4847% | 7,251 |
| Cash dividends to net income (ytd only)* | -4.2857% | 7,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7498% | 831 |
| Loan loss allowance to noncurrent loans | 42.7052% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 7.8658% | 554 |
| Noncurrent loans to loans | 6.4390% | 895 |
| Net loans and leases to total assets | 81.8810% | 829 |
| Net loans and leases to deposits | 91.7511% | 2,279 |
| Net loans and leases to core deposits | 108.8252% | 3,367 |
| Total domestic deposits to total assets | 89.2425% | 1,086 |
| Equity capital to assets | 7.9655% | 6,879 |
| Core capital (leverage) ratio | 6.8447% | 7,524 |
| Tier 1 risk-based capital ratio | 7.6186% | 7,842 |
| Total risk-based capital ratio | 8.8850% | 7,845 |
| Memoranda: | ||
| Average total assets | $581,726,500 | 1,201 |
| Average earning assets | $517,638,250 | 1,233 |
| Average equity | $47,495,000 | 1,444 |
| Average total loans | $479,128,500 | 1,022 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4703% | 4,781 |
| Cost of funding earning assets | 1.3325% | 6,700 |
| Net interest margin | 4.1378% | 2,205 |
| Noninterest income to average assets | 2.6291% | 249 |
| Noninterest expense to average assets | 4.8158% | 589 |
| Loan and lease loss provision to assets | 2.4280% | 651 |
| Net operating income to assets | -0.5997% | 6,657 |
| Return on assets (ROA) | -0.6381% | 6,698 |
| Pretax return on assets | -0.9734% | 6,799 |
| Return on Equity (ROE) | -7.7567% | 6,875 |
| Retained earnings to average equity (ytd only) | -8.6811% | 6,738 |
| Net charge-offs to loans | 2.3933% | 744 |
| Credit loss provision to net charge-offs | 124.0331% | 3,750 |
| Earnings coverage of net charge-offs (x) | 0.7728% | 4,955 |
| Efficiency ratio | 76.0961% | 3,675 |
| Assets per employee ($millions) | 2.5561% | 7,133 |
| Cash dividends to net income (ytd only)* | -11.9174% | 7,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9503% | 1,672 |
| Loan loss allowance to noncurrent loans | 34.1332% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 6.8219% | 645 |
| Noncurrent loans to loans | 5.7139% | 990 |
| Net loans and leases to total assets | 79.8663% | 1,337 |
| Net loans and leases to deposits | 89.5949% | 2,886 |
| Net loans and leases to core deposits | 110.8218% | 3,286 |
| Total domestic deposits to total assets | 89.1415% | 1,202 |
| Equity capital to assets | 8.1428% | 6,571 |
| Core capital (leverage) ratio | 7.6497% | 6,827 |
| Tier 1 risk-based capital ratio | 8.7768% | 7,790 |
| Total risk-based capital ratio | 10.0339% | 7,829 |
| Memoranda: | ||
| Average total assets | $591,764,330 | 1,202 |
| Average earning assets | $529,076,330 | 1,227 |
| Average equity | $48,680,330 | 1,417 |
| Average total loans | $484,025,670 | 1,036 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2655% | 6,047 |
| Cost of funding earning assets | 1.3930% | 6,761 |
| Net interest margin | 3.8725% | 3,174 |
| Noninterest income to average assets | 3.3779% | 191 |
| Noninterest expense to average assets | 4.3352% | 824 |
| Loan and lease loss provision to assets | 2.1100% | 562 |
| Net operating income to assets | 0.3203% | 5,213 |
| Return on assets (ROA) | 0.2316% | 5,718 |
| Pretax return on assets | 0.3012% | 5,680 |
| Return on Equity (ROE) | 2.8018% | 5,452 |
| Retained earnings to average equity (ytd only) | 0.9798% | 5,254 |
| Net charge-offs to loans | 1.8631% | 777 |
| Credit loss provision to net charge-offs | 138.1850% | 2,939 |
| Earnings coverage of net charge-offs (x) | 1.6545% | 3,904 |
| Efficiency ratio | 63.1805% | 5,839 |
| Assets per employee ($millions) | 2.6350% | 7,010 |
| Cash dividends to net income (ytd only)* | 65.0289% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7940% | 1,867 |
| Loan loss allowance to noncurrent loans | 49.7455% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 4.4916% | 1,074 |
| Noncurrent loans to loans | 3.6064% | 1,747 |
| Net loans and leases to total assets | 78.8974% | 1,606 |
| Net loans and leases to deposits | 88.3464% | 3,228 |
| Net loans and leases to core deposits | 111.5089% | 3,259 |
| Total domestic deposits to total assets | 89.3046% | 1,099 |
| Equity capital to assets | 8.2027% | 6,535 |
| Core capital (leverage) ratio | 8.2924% | 5,916 |
| Tier 1 risk-based capital ratio | 9.2787% | 7,606 |
| Total risk-based capital ratio | 10.5340% | 7,574 |
| Memoranda: | ||
| Average total assets | $597,524,000 | 1,195 |
| Average earning assets | $537,540,500 | 1,206 |
| Average equity | $49,396,500 | 1,398 |
| Average total loans | $489,719,500 | 1,031 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0189% | 1,088 |
| Cost of funding earning assets | 1.8314% | 6,928 |
| Net interest margin | 5.1875% | 349 |
| Noninterest income to average assets | 1.5836% | 557 |
| Noninterest expense to average assets | 4.4220% | 930 |
| Loan and lease loss provision to assets | 0.6426% | 2,261 |
| Net operating income to assets | 0.8000% | 3,436 |
| Return on assets (ROA) | 0.6287% | 4,041 |
| Pretax return on assets | 0.9338% | 3,602 |
| Return on Equity (ROE) | 7.2481% | 3,401 |
| Retained earnings to average equity (ytd only) | -15.0010% | 7,458 |
| Net charge-offs to loans | 0.2393% | 3,858 |
| Credit loss provision to net charge-offs | 325.9582% | 1,385 |
| Earnings coverage of net charge-offs (x) | 9.2936% | 2,712 |
| Efficiency ratio | 70.7057% | 4,199 |
| Assets per employee ($millions) | 2.3856% | 7,423 |
| Cash dividends to net income (ytd only)* | 306.9653% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5821% | 2,317 |
| Loan loss allowance to noncurrent loans | 52.5729% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 2.8656% | 1,634 |
| Noncurrent loans to loans | 3.0093% | 1,783 |
| Net loans and leases to total assets | 82.2870% | 1,177 |
| Net loans and leases to deposits | 92.3704% | 3,073 |
| Net loans and leases to core deposits | 115.1645% | 3,222 |
| Total domestic deposits to total assets | 89.0837% | 1,010 |
| Equity capital to assets | 8.3323% | 6,369 |
| Core capital (leverage) ratio | 8.1635% | 6,234 |
| Tier 1 risk-based capital ratio | 9.1031% | 7,716 |
| Total risk-based capital ratio | 10.3565% | 7,670 |
| Memoranda: | ||
| Average total assets | $582,333,800 | 1,153 |
| Average earning assets | $524,295,400 | 1,178 |
| Average equity | $50,509,800 | 1,336 |
| Average total loans | $479,792,800 | 1,004 |