Home > Canyon National Bank > Performance and Condition Ratios
Canyon National Bank, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7283% | 1,474 |
| Cost of funding earning assets | 0.7825% | 6,637 |
| Net interest margin | 4.9458% | 491 |
| Noninterest income to average assets | 1.1879% | 1,054 |
| Noninterest expense to average assets | 7.1571% | 150 |
| Loan and lease loss provision to assets | 2.2987% | 527 |
| Net operating income to assets | -4.3410% | 7,474 |
| Return on assets (ROA) | -4.3406% | 7,490 |
| Pretax return on assets | -4.1064% | 7,452 |
| Return on Equity (ROE) | -119.0408% | 7,612 |
| Retained earnings to average equity (ytd only) | -119.0408% | 7,612 |
| Net charge-offs to loans | 3.7090% | 365 |
| Credit loss provision to net charge-offs | 77.5421% | 5,646 |
| Earnings coverage of net charge-offs (x) | -0.6099% | 6,504 |
| Efficiency ratio | 133.8036% | 288 |
| Assets per employee ($millions) | 2.9698% | 6,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7936% | 219 |
| Loan loss allowance to noncurrent loans | 36.5194% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 19.8702% | 68 |
| Noncurrent loans to loans | 13.1261% | 230 |
| Net loans and leases to total assets | 75.0710% | 1,461 |
| Net loans and leases to deposits | 77.1094% | 3,658 |
| Net loans and leases to core deposits | 80.5645% | 4,123 |
| Total domestic deposits to total assets | 97.3565% | 13 |
| Equity capital to assets | 1.4906% | 7,625 |
| Core capital (leverage) ratio | 1.3807% | 7,623 |
| Tier 1 risk-based capital ratio | 1.7998% | 7,623 |
| Total risk-based capital ratio | 3.0940% | 7,624 |
| Memoranda: | ||
| Average total assets | $230,567,800 | 2,747 |
| Average earning assets | $193,983,600 | 2,952 |
| Average equity | $8,407,200 | 5,585 |
| Average total loans | $184,283,200 | 2,305 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7258% | 1,625 |
| Cost of funding earning assets | 0.8176% | 6,699 |
| Net interest margin | 4.9082% | 547 |
| Noninterest income to average assets | 1.0667% | 1,260 |
| Noninterest expense to average assets | 6.4356% | 189 |
| Loan and lease loss provision to assets | 2.9158% | 311 |
| Net operating income to assets | -4.4608% | 7,607 |
| Return on assets (ROA) | -4.4603% | 7,619 |
| Pretax return on assets | -4.1546% | 7,579 |
| Return on Equity (ROE) | -108.0270% | 7,700 |
| Retained earnings to average equity (ytd only) | -108.0270% | 7,700 |
| Net charge-offs to loans | 3.8815% | 323 |
| Credit loss provision to net charge-offs | 93.7045% | 4,632 |
| Earnings coverage of net charge-offs (x) | -0.3983% | 6,289 |
| Efficiency ratio | 123.8505% | 357 |
| Assets per employee ($millions) | 3.1525% | 5,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2663% | 145 |
| Loan loss allowance to noncurrent loans | 32.7049% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 21.8333% | 38 |
| Noncurrent loans to loans | 16.1024% | 140 |
| Net loans and leases to total assets | 74.6607% | 1,647 |
| Net loans and leases to deposits | 77.4655% | 3,926 |
| Net loans and leases to core deposits | 82.7270% | 4,124 |
| Total domestic deposits to total assets | 96.3793% | 22 |
| Equity capital to assets | 2.4810% | 7,713 |
| Core capital (leverage) ratio | 2.2474% | 7,708 |
| Tier 1 risk-based capital ratio | 2.9238% | 7,711 |
| Total risk-based capital ratio | 4.2229% | 7,711 |
| Memoranda: | ||
| Average total assets | $235,495,000 | 2,720 |
| Average earning assets | $198,140,000 | 2,948 |
| Average equity | $9,723,250 | 5,280 |
| Average total loans | $188,788,000 | 2,295 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8047% | 1,415 |
| Cost of funding earning assets | 0.8637% | 6,718 |
| Net interest margin | 4.9411% | 485 |
| Noninterest income to average assets | 1.0988% | 1,099 |
| Noninterest expense to average assets | 6.8360% | 162 |
| Loan and lease loss provision to assets | 1.7052% | 732 |
| Net operating income to assets | -3.2832% | 7,543 |
| Return on assets (ROA) | -3.2824% | 7,549 |
| Pretax return on assets | -3.2824% | 7,510 |
| Return on Equity (ROE) | -70.8481% | 7,684 |
| Retained earnings to average equity (ytd only) | -70.8481% | 7,682 |
| Net charge-offs to loans | 2.9616% | 541 |
| Credit loss provision to net charge-offs | 71.4535% | 4,926 |
| Earnings coverage of net charge-offs (x) | -0.6612% | 6,063 |
| Efficiency ratio | 130.0111% | 316 |
| Assets per employee ($millions) | 3.2736% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7445% | 209 |
| Loan loss allowance to noncurrent loans | 41.3394% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 17.6505% | 84 |
| Noncurrent loans to loans | 11.4770% | 329 |
| Net loans and leases to total assets | 76.0937% | 1,480 |
| Net loans and leases to deposits | 80.9448% | 3,441 |
| Net loans and leases to core deposits | 86.9497% | 3,706 |
| Total domestic deposits to total assets | 94.0070% | 74 |
| Equity capital to assets | 3.8543% | 7,705 |
| Core capital (leverage) ratio | 3.1742% | 7,730 |
| Tier 1 risk-based capital ratio | 4.2877% | 7,735 |
| Total risk-based capital ratio | 5.5837% | 7,737 |
| Memoranda: | ||
| Average total assets | $240,434,330 | 2,696 |
| Average earning assets | $202,386,000 | 2,911 |
| Average equity | $11,139,330 | 4,894 |
| Average total loans | $193,744,670 | 2,280 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6529% | 1,949 |
| Cost of funding earning assets | 0.9476% | 6,589 |
| Net interest margin | 4.7053% | 775 |
| Noninterest income to average assets | 1.0533% | 1,145 |
| Noninterest expense to average assets | 4.7790% | 444 |
| Loan and lease loss provision to assets | 1.3004% | 930 |
| Net operating income to assets | -1.0387% | 7,127 |
| Return on assets (ROA) | -1.0371% | 7,148 |
| Pretax return on assets | -1.0371% | 7,063 |
| Return on Equity (ROE) | -20.7598% | 7,454 |
| Retained earnings to average equity (ytd only) | -20.7598% | 7,396 |
| Net charge-offs to loans | 2.4913% | 659 |
| Credit loss provision to net charge-offs | 64.5161% | 4,216 |
| Earnings coverage of net charge-offs (x) | 0.1298% | 4,914 |
| Efficiency ratio | 94.8081% | 1,092 |
| Assets per employee ($millions) | 3.2562% | 5,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6947% | 224 |
| Loan loss allowance to noncurrent loans | 40.9329% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 16.2501% | 110 |
| Noncurrent loans to loans | 11.4693% | 325 |
| Net loans and leases to total assets | 74.3624% | 1,901 |
| Net loans and leases to deposits | 78.9362% | 3,850 |
| Net loans and leases to core deposits | 85.6866% | 3,946 |
| Total domestic deposits to total assets | 94.2057% | 67 |
| Equity capital to assets | 4.8370% | 7,734 |
| Core capital (leverage) ratio | 4.6799% | 7,728 |
| Tier 1 risk-based capital ratio | 6.0177% | 7,747 |
| Total risk-based capital ratio | 7.3111% | 7,749 |
| Memoranda: | ||
| Average total assets | $246,077,000 | 2,689 |
| Average earning assets | $208,530,500 | 2,890 |
| Average equity | $12,293,000 | 4,639 |
| Average total loans | $199,090,500 | 2,283 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9771% | 1,956 |
| Cost of funding earning assets | 1.5725% | 5,169 |
| Net interest margin | 4.4046% | 1,420 |
| Noninterest income to average assets | 0.8775% | 2,039 |
| Noninterest expense to average assets | 4.4828% | 809 |
| Loan and lease loss provision to assets | 7.8281% | 48 |
| Net operating income to assets | -6.5195% | 7,863 |
| Return on assets (ROA) | -6.4832% | 7,853 |
| Pretax return on assets | -7.5179% | 7,893 |
| Return on Equity (ROE) | -75.0402% | 7,839 |
| Retained earnings to average equity (ytd only) | -75.0402% | 7,836 |
| Net charge-offs to loans | 6.9869% | 120 |
| Credit loss provision to net charge-offs | 130.4928% | 3,903 |
| Earnings coverage of net charge-offs (x) | 0.0447% | 6,133 |
| Efficiency ratio | 94.3593% | 1,390 |
| Assets per employee ($millions) | 3.2625% | 5,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6340% | 224 |
| Loan loss allowance to noncurrent loans | 45.5042% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 14.6176% | 149 |
| Noncurrent loans to loans | 10.1837% | 396 |
| Net loans and leases to total assets | 79.9346% | 1,005 |
| Net loans and leases to deposits | 85.8625% | 2,942 |
| Net loans and leases to core deposits | 102.6353% | 3,732 |
| Total domestic deposits to total assets | 93.0960% | 114 |
| Equity capital to assets | 5.1560% | 7,775 |
| Core capital (leverage) ratio | 4.6754% | 7,791 |
| Tier 1 risk-based capital ratio | 6.0938% | 7,808 |
| Total risk-based capital ratio | 7.3874% | 7,811 |
| Memoranda: | ||
| Average total assets | $274,650,000 | 2,385 |
| Average earning assets | $241,521,800 | 2,487 |
| Average equity | $23,728,600 | 2,766 |
| Average total loans | $235,813,600 | 1,988 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9419% | 2,269 |
| Cost of funding earning assets | 1.6796% | 5,004 |
| Net interest margin | 4.2623% | 1,833 |
| Noninterest income to average assets | 0.7221% | 2,873 |
| Noninterest expense to average assets | 4.3197% | 891 |
| Loan and lease loss provision to assets | 4.9619% | 173 |
| Net operating income to assets | -2.8147% | 7,545 |
| Return on assets (ROA) | -2.7796% | 7,538 |
| Pretax return on assets | -4.7271% | 7,777 |
| Return on Equity (ROE) | -29.5867% | 7,597 |
| Retained earnings to average equity (ytd only) | -29.5867% | 7,588 |
| Net charge-offs to loans | 6.0643% | 143 |
| Credit loss provision to net charge-offs | 94.8081% | 5,345 |
| Earnings coverage of net charge-offs (x) | 0.0344% | 6,018 |
| Efficiency ratio | 95.9987% | 1,278 |
| Assets per employee ($millions) | 3.5993% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7206% | 2,544 |
| Loan loss allowance to noncurrent loans | 16.6873% | 7,257 |
| Noncurrent assets plus other real estate owned to assets | 13.2179% | 176 |
| Noncurrent loans to loans | 10.3108% | 378 |
| Net loans and leases to total assets | 84.8917% | 445 |
| Net loans and leases to deposits | 95.7671% | 1,607 |
| Net loans and leases to core deposits | 115.9362% | 2,629 |
| Total domestic deposits to total assets | 88.6439% | 1,367 |
| Equity capital to assets | 9.3603% | 4,939 |
| Core capital (leverage) ratio | 9.0182% | 4,622 |
| Tier 1 risk-based capital ratio | 10.5679% | 6,394 |
| Total risk-based capital ratio | 11.8235% | 6,354 |
| Memoranda: | ||
| Average total assets | $282,141,250 | 2,346 |
| Average earning assets | $250,059,500 | 2,426 |
| Average equity | $26,506,750 | 2,505 |
| Average total loans | $243,494,000 | 1,948 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9200% | 2,498 |
| Cost of funding earning assets | 1.8166% | 4,677 |
| Net interest margin | 4.1034% | 2,308 |
| Noninterest income to average assets | 0.7124% | 2,913 |
| Noninterest expense to average assets | 4.3277% | 917 |
| Loan and lease loss provision to assets | 5.0242% | 201 |
| Net operating income to assets | -2.9309% | 7,661 |
| Return on assets (ROA) | -2.8981% | 7,652 |
| Pretax return on assets | -4.9299% | 7,849 |
| Return on Equity (ROE) | -30.8131% | 7,725 |
| Retained earnings to average equity (ytd only) | -30.8131% | 7,696 |
| Net charge-offs to loans | 5.4408% | 213 |
| Credit loss provision to net charge-offs | 107.0269% | 4,311 |
| Earnings coverage of net charge-offs (x) | 0.0092% | 5,679 |
| Efficiency ratio | 99.0170% | 1,229 |
| Assets per employee ($millions) | 3.9230% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0612% | 1,456 |
| Loan loss allowance to noncurrent loans | 21.2185% | 7,062 |
| Noncurrent assets plus other real estate owned to assets | 12.1744% | 173 |
| Noncurrent loans to loans | 9.7143% | 371 |
| Net loans and leases to total assets | 85.7524% | 399 |
| Net loans and leases to deposits | 99.2414% | 1,364 |
| Net loans and leases to core deposits | 123.4913% | 2,070 |
| Total domestic deposits to total assets | 86.4079% | 2,566 |
| Equity capital to assets | 9.2940% | 4,880 |
| Core capital (leverage) ratio | 8.8479% | 4,867 |
| Tier 1 risk-based capital ratio | 10.5217% | 6,360 |
| Total risk-based capital ratio | 11.7818% | 6,299 |
| Memoranda: | ||
| Average total assets | $288,605,330 | 2,332 |
| Average earning assets | $257,299,000 | 2,377 |
| Average equity | $27,144,330 | 2,463 |
| Average total loans | $249,006,330 | 1,952 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8499% | 3,036 |
| Cost of funding earning assets | 2.0349% | 3,956 |
| Net interest margin | 3.8150% | 3,385 |
| Noninterest income to average assets | 0.7321% | 2,695 |
| Noninterest expense to average assets | 4.1759% | 969 |
| Loan and lease loss provision to assets | 4.0595% | 234 |
| Net operating income to assets | -2.4118% | 7,752 |
| Return on assets (ROA) | -2.3477% | 7,734 |
| Pretax return on assets | -3.9986% | 7,903 |
| Return on Equity (ROE) | -24.8252% | 7,839 |
| Retained earnings to average equity (ytd only) | -24.8252% | 7,764 |
| Net charge-offs to loans | 4.4108% | 260 |
| Credit loss provision to net charge-offs | 107.4114% | 3,564 |
| Earnings coverage of net charge-offs (x) | -0.0104% | 4,992 |
| Efficiency ratio | 100.9486% | 1,093 |
| Assets per employee ($millions) | 3.5867% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8724% | 1,686 |
| Loan loss allowance to noncurrent loans | 20.8803% | 7,120 |
| Noncurrent assets plus other real estate owned to assets | 10.4756% | 207 |
| Noncurrent loans to loans | 8.9671% | 360 |
| Net loans and leases to total assets | 83.5189% | 764 |
| Net loans and leases to deposits | 95.8416% | 1,975 |
| Net loans and leases to core deposits | 126.4641% | 1,891 |
| Total domestic deposits to total assets | 87.1427% | 2,153 |
| Equity capital to assets | 9.4423% | 4,755 |
| Core capital (leverage) ratio | 9.1770% | 4,439 |
| Tier 1 risk-based capital ratio | 10.9324% | 5,959 |
| Total risk-based capital ratio | 12.1905% | 5,861 |
| Memoranda: | ||
| Average total assets | $295,604,000 | 2,301 |
| Average earning assets | $263,797,500 | 2,332 |
| Average equity | $27,955,500 | 2,420 |
| Average total loans | $253,290,000 | 1,943 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8634% | 1,505 |
| Cost of funding earning assets | 2.1176% | 5,976 |
| Net interest margin | 4.7458% | 874 |
| Noninterest income to average assets | 0.7773% | 2,634 |
| Noninterest expense to average assets | 4.0511% | 1,342 |
| Loan and lease loss provision to assets | 2.9333% | 314 |
| Net operating income to assets | -1.1155% | 7,296 |
| Return on assets (ROA) | -1.1083% | 7,235 |
| Pretax return on assets | -1.9288% | 7,417 |
| Return on Equity (ROE) | -11.7903% | 7,414 |
| Retained earnings to average equity (ytd only) | -11.7903% | 7,232 |
| Net charge-offs to loans | 2.8251% | 327 |
| Credit loss provision to net charge-offs | 119.9527% | 4,483 |
| Earnings coverage of net charge-offs (x) | 0.4062% | 5,990 |
| Efficiency ratio | 80.3105% | 2,549 |
| Assets per employee ($millions) | 3.6678% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7483% | 1,772 |
| Loan loss allowance to noncurrent loans | 21.5602% | 7,161 |
| Noncurrent assets plus other real estate owned to assets | 8.5030% | 254 |
| Noncurrent loans to loans | 8.1088% | 328 |
| Net loans and leases to total assets | 84.7449% | 775 |
| Net loans and leases to deposits | 100.9114% | 1,725 |
| Net loans and leases to core deposits | 132.1074% | 1,713 |
| Total domestic deposits to total assets | 83.9795% | 3,330 |
| Equity capital to assets | 9.4717% | 4,729 |
| Core capital (leverage) ratio | 9.4547% | 4,083 |
| Tier 1 risk-based capital ratio | 10.9811% | 5,741 |
| Total risk-based capital ratio | 12.2376% | 5,639 |
| Memoranda: | ||
| Average total assets | $293,698,400 | 2,231 |
| Average earning assets | $264,066,800 | 2,257 |
| Average equity | $27,607,400 | 2,426 |
| Average total loans | $254,221,200 | 1,879 |