Home > Cascade Bank > Performance and Condition Ratios
Cascade Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6104% | 4,899 |
| Cost of funding earning assets | 1.8407% | 326 |
| Net interest margin | 2.7696% | 6,950 |
| Noninterest income to average assets | -0.1548% | 7,413 |
| Noninterest expense to average assets | 2.2659% | 6,268 |
| Loan and lease loss provision to assets | 0.6899% | 1,226 |
| Net operating income to assets | -0.6188% | 6,878 |
| Return on assets (ROA) | -0.6188% | 6,882 |
| Pretax return on assets | -0.5663% | 6,791 |
| Return on Equity (ROE) | -11.4525% | 7,063 |
| Retained earnings to average equity (ytd only) | -11.4525% | 6,924 |
| Net charge-offs to loans | 1.1668% | 1,191 |
| Credit loss provision to net charge-offs | 88.7265% | 2,957 |
| Earnings coverage of net charge-offs (x) | 0.1590% | 4,485 |
| Efficiency ratio | 94.4293% | 1,018 |
| Assets per employee ($millions) | 7.1812% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6404% | 1,268 |
| Loan loss allowance to noncurrent loans | 72.6008% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 4.6525% | 1,382 |
| Noncurrent loans to loans | 3.6368% | 2,039 |
| Net loans and leases to total assets | 65.2135% | 3,194 |
| Net loans and leases to deposits | 88.8088% | 1,374 |
| Net loans and leases to core deposits | 95.3799% | 1,732 |
| Total domestic deposits to total assets | 73.4314% | 6,963 |
| Equity capital to assets | 5.3790% | 7,348 |
| Core capital (leverage) ratio | 5.6096% | 7,302 |
| Tier 1 risk-based capital ratio | 8.2925% | 7,273 |
| Total risk-based capital ratio | 9.5591% | 7,277 |
| Memoranda: | ||
| Average total assets | $1,478,456,500 | 460 |
| Average earning assets | $1,358,156,000 | 455 |
| Average equity | $79,878,000 | 833 |
| Average total loans | $985,219,000 | 445 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7312% | 5,682 |
| Cost of funding earning assets | 2.1785% | 329 |
| Net interest margin | 2.5527% | 7,239 |
| Noninterest income to average assets | -0.2360% | 7,483 |
| Noninterest expense to average assets | 3.2193% | 3,014 |
| Loan and lease loss provision to assets | 3.4462% | 234 |
| Net operating income to assets | -4.7947% | 7,520 |
| Return on assets (ROA) | -4.2692% | 7,482 |
| Pretax return on assets | -4.0246% | 7,440 |
| Return on Equity (ROE) | -61.6661% | 7,491 |
| Retained earnings to average equity (ytd only) | -61.6661% | 7,489 |
| Net charge-offs to loans | 5.1175% | 166 |
| Credit loss provision to net charge-offs | 100.3320% | 4,540 |
| Earnings coverage of net charge-offs (x) | -0.3214% | 6,370 |
| Efficiency ratio | 114.6382% | 471 |
| Assets per employee ($millions) | 7.4956% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6264% | 1,261 |
| Loan loss allowance to noncurrent loans | 54.1192% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 5.5132% | 1,126 |
| Noncurrent loans to loans | 4.8530% | 1,417 |
| Net loans and leases to total assets | 64.5627% | 3,749 |
| Net loans and leases to deposits | 87.2835% | 1,894 |
| Net loans and leases to core deposits | 97.3754% | 1,857 |
| Total domestic deposits to total assets | 73.9689% | 6,899 |
| Equity capital to assets | 5.4259% | 7,404 |
| Core capital (leverage) ratio | 5.5564% | 7,355 |
| Tier 1 risk-based capital ratio | 8.3336% | 7,326 |
| Total risk-based capital ratio | 9.6000% | 7,334 |
| Memoranda: | ||
| Average total assets | $1,639,943,200 | 416 |
| Average earning assets | $1,510,617,400 | 408 |
| Average equity | $113,535,600 | 591 |
| Average total loans | $1,100,696,800 | 411 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7710% | 5,781 |
| Cost of funding earning assets | 2.2427% | 333 |
| Net interest margin | 2.5283% | 7,355 |
| Noninterest income to average assets | -0.0733% | 7,518 |
| Noninterest expense to average assets | 3.1425% | 3,135 |
| Loan and lease loss provision to assets | 4.0604% | 152 |
| Net operating income to assets | -5.2504% | 7,663 |
| Return on assets (ROA) | -4.8690% | 7,644 |
| Pretax return on assets | -4.5659% | 7,610 |
| Return on Equity (ROE) | -67.0838% | 7,629 |
| Retained earnings to average equity (ytd only) | -67.0838% | 7,627 |
| Net charge-offs to loans | 5.9688% | 101 |
| Credit loss provision to net charge-offs | 101.0819% | 4,272 |
| Earnings coverage of net charge-offs (x) | -0.2208% | 6,186 |
| Efficiency ratio | 93.4790% | 1,028 |
| Assets per employee ($millions) | 7.7745% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5138% | 1,303 |
| Loan loss allowance to noncurrent loans | 37.8521% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 6.4548% | 886 |
| Noncurrent loans to loans | 6.6412% | 883 |
| Net loans and leases to total assets | 63.1414% | 4,291 |
| Net loans and leases to deposits | 90.2659% | 1,691 |
| Net loans and leases to core deposits | 103.2327% | 1,549 |
| Total domestic deposits to total assets | 69.9504% | 7,276 |
| Equity capital to assets | 6.0957% | 7,473 |
| Core capital (leverage) ratio | 5.7006% | 7,470 |
| Tier 1 risk-based capital ratio | 9.1064% | 7,347 |
| Total risk-based capital ratio | 10.3727% | 7,356 |
| Memoranda: | ||
| Average total assets | $1,675,148,500 | 404 |
| Average earning assets | $1,543,030,000 | 397 |
| Average equity | $121,584,250 | 552 |
| Average total loans | $1,127,376,250 | 397 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8568% | 5,583 |
| Cost of funding earning assets | 2.2609% | 388 |
| Net interest margin | 2.5958% | 7,352 |
| Noninterest income to average assets | -0.0727% | 7,608 |
| Noninterest expense to average assets | 3.5859% | 1,816 |
| Loan and lease loss provision to assets | 5.0848% | 100 |
| Net operating income to assets | -6.7807% | 7,763 |
| Return on assets (ROA) | -6.5689% | 7,759 |
| Pretax return on assets | -6.1422% | 7,734 |
| Return on Equity (ROE) | -86.0908% | 7,714 |
| Retained earnings to average equity (ytd only) | -86.0908% | 7,712 |
| Net charge-offs to loans | 7.4397% | 77 |
| Credit loss provision to net charge-offs | 100.3476% | 4,054 |
| Earnings coverage of net charge-offs (x) | -0.2505% | 5,904 |
| Efficiency ratio | 88.6825% | 1,448 |
| Assets per employee ($millions) | 7.9578% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3563% | 1,502 |
| Loan loss allowance to noncurrent loans | 36.2133% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 6.6953% | 817 |
| Noncurrent loans to loans | 6.5069% | 918 |
| Net loans and leases to total assets | 64.3091% | 4,198 |
| Net loans and leases to deposits | 91.1930% | 1,669 |
| Net loans and leases to core deposits | 106.8635% | 1,378 |
| Total domestic deposits to total assets | 70.5198% | 7,293 |
| Equity capital to assets | 6.3196% | 7,495 |
| Core capital (leverage) ratio | 5.8406% | 7,507 |
| Tier 1 risk-based capital ratio | 9.0144% | 7,414 |
| Total risk-based capital ratio | 10.2783% | 7,420 |
| Memoranda: | ||
| Average total assets | $1,691,908,000 | 402 |
| Average earning assets | $1,557,334,330 | 396 |
| Average equity | $129,096,330 | 512 |
| Average total loans | $1,152,361,330 | 397 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9152% | 5,387 |
| Cost of funding earning assets | 2.2958% | 441 |
| Net interest margin | 2.6193% | 7,372 |
| Noninterest income to average assets | 0.2447% | 6,195 |
| Noninterest expense to average assets | 1.9584% | 7,233 |
| Loan and lease loss provision to assets | 7.3696% | 76 |
| Net operating income to assets | -7.4843% | 7,852 |
| Return on assets (ROA) | -7.4778% | 7,853 |
| Pretax return on assets | -6.6720% | 7,829 |
| Return on Equity (ROE) | -90.3317% | 7,813 |
| Retained earnings to average equity (ytd only) | -90.3317% | 7,809 |
| Net charge-offs to loans | 10.6113% | 47 |
| Credit loss provision to net charge-offs | 100.3303% | 3,376 |
| Earnings coverage of net charge-offs (x) | 0.0941% | 4,949 |
| Efficiency ratio | 73.6065% | 3,637 |
| Assets per employee ($millions) | 7.7569% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2570% | 1,650 |
| Loan loss allowance to noncurrent loans | 26.8202% | 6,607 |
| Noncurrent assets plus other real estate owned to assets | 7.3534% | 706 |
| Noncurrent loans to loans | 8.4153% | 623 |
| Net loans and leases to total assets | 66.5935% | 3,729 |
| Net loans and leases to deposits | 95.9506% | 1,117 |
| Net loans and leases to core deposits | 115.8161% | 952 |
| Total domestic deposits to total assets | 69.4039% | 7,449 |
| Equity capital to assets | 7.4457% | 7,109 |
| Core capital (leverage) ratio | 6.4583% | 7,479 |
| Tier 1 risk-based capital ratio | 9.3142% | 7,388 |
| Total risk-based capital ratio | 10.5761% | 7,379 |
| Memoranda: | ||
| Average total assets | $1,698,317,500 | 413 |
| Average earning assets | $1,559,177,000 | 410 |
| Average equity | $140,588,500 | 487 |
| Average total loans | $1,175,609,500 | 407 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3557% | 4,916 |
| Cost of funding earning assets | 2.3798% | 1,362 |
| Net interest margin | 2.9759% | 6,705 |
| Noninterest income to average assets | 0.3341% | 5,704 |
| Noninterest expense to average assets | 2.6450% | 5,613 |
| Loan and lease loss provision to assets | 2.6754% | 711 |
| Net operating income to assets | -1.6513% | 6,935 |
| Return on assets (ROA) | -1.6071% | 6,914 |
| Pretax return on assets | -2.1680% | 7,003 |
| Return on Equity (ROE) | -15.8781% | 6,980 |
| Retained earnings to average equity (ytd only) | -18.0322% | 7,035 |
| Net charge-offs to loans | 2.7275% | 827 |
| Credit loss provision to net charge-offs | 131.6025% | 3,839 |
| Earnings coverage of net charge-offs (x) | 0.2202% | 5,908 |
| Efficiency ratio | 62.3394% | 6,094 |
| Assets per employee ($millions) | 7.6830% | 582 |
| Cash dividends to net income (ytd only)* | -13.5665% | 7,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1599% | 1,716 |
| Loan loss allowance to noncurrent loans | 24.3682% | 6,836 |
| Noncurrent assets plus other real estate owned to assets | 7.3362% | 673 |
| Noncurrent loans to loans | 8.8637% | 527 |
| Net loans and leases to total assets | 68.7850% | 3,534 |
| Net loans and leases to deposits | 102.8302% | 705 |
| Net loans and leases to core deposits | 117.9407% | 2,139 |
| Total domestic deposits to total assets | 66.8918% | 7,607 |
| Equity capital to assets | 9.1034% | 4,984 |
| Core capital (leverage) ratio | 8.3191% | 5,580 |
| Tier 1 risk-based capital ratio | 11.1406% | 5,790 |
| Total risk-based capital ratio | 12.4010% | 5,732 |
| Memoranda: | ||
| Average total assets | $1,651,173,200 | 419 |
| Average earning assets | $1,530,571,000 | 413 |
| Average equity | $167,122,800 | 412 |
| Average total loans | $1,230,683,800 | 395 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4270% | 4,810 |
| Cost of funding earning assets | 2.3981% | 1,639 |
| Net interest margin | 3.0290% | 6,521 |
| Noninterest income to average assets | 0.3127% | 5,981 |
| Noninterest expense to average assets | 2.8822% | 4,529 |
| Loan and lease loss provision to assets | 2.9454% | 508 |
| Net operating income to assets | -2.0382% | 7,338 |
| Return on assets (ROA) | -2.0176% | 7,325 |
| Pretax return on assets | -2.6733% | 7,411 |
| Return on Equity (ROE) | -19.4250% | 7,354 |
| Retained earnings to average equity (ytd only) | -22.2470% | 7,419 |
| Net charge-offs to loans | 2.9258% | 586 |
| Credit loss provision to net charge-offs | 133.0991% | 3,753 |
| Earnings coverage of net charge-offs (x) | 0.1105% | 5,926 |
| Efficiency ratio | 61.4353% | 6,207 |
| Assets per employee ($millions) | 7.4499% | 647 |
| Cash dividends to net income (ytd only)* | -14.5278% | 7,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0162% | 1,762 |
| Loan loss allowance to noncurrent loans | 19.3125% | 7,125 |
| Noncurrent assets plus other real estate owned to assets | 8.2060% | 511 |
| Noncurrent loans to loans | 10.4398% | 371 |
| Net loans and leases to total assets | 73.0529% | 2,774 |
| Net loans and leases to deposits | 116.2164% | 269 |
| Net loans and leases to core deposits | 137.8147% | 1,022 |
| Total domestic deposits to total assets | 62.8594% | 7,803 |
| Equity capital to assets | 9.7035% | 4,488 |
| Core capital (leverage) ratio | 8.9378% | 4,752 |
| Tier 1 risk-based capital ratio | 11.6013% | 5,336 |
| Total risk-based capital ratio | 12.8604% | 5,267 |
| Memoranda: | ||
| Average total assets | $1,637,560,500 | 434 |
| Average earning assets | $1,521,361,750 | 430 |
| Average equity | $170,086,000 | 416 |
| Average total loans | $1,238,576,500 | 411 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4999% | 4,635 |
| Cost of funding earning assets | 2.4549% | 1,765 |
| Net interest margin | 3.0450% | 6,416 |
| Noninterest income to average assets | 0.2561% | 6,442 |
| Noninterest expense to average assets | 3.3981% | 2,638 |
| Loan and lease loss provision to assets | 3.9367% | 323 |
| Net operating income to assets | -3.2082% | 7,714 |
| Return on assets (ROA) | -3.2553% | 7,720 |
| Pretax return on assets | -4.3153% | 7,782 |
| Return on Equity (ROE) | -30.6649% | 7,722 |
| Retained earnings to average equity (ytd only) | -33.6616% | 7,739 |
| Net charge-offs to loans | 3.8335% | 379 |
| Credit loss provision to net charge-offs | 135.1266% | 3,447 |
| Earnings coverage of net charge-offs (x) | -0.1084% | 5,801 |
| Efficiency ratio | 63.5216% | 6,000 |
| Assets per employee ($millions) | 7.1866% | 709 |
| Cash dividends to net income (ytd only)* | -9.7722% | 7,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0016% | 1,563 |
| Loan loss allowance to noncurrent loans | 19.6874% | 7,150 |
| Noncurrent assets plus other real estate owned to assets | 8.2163% | 455 |
| Noncurrent loans to loans | 10.1669% | 341 |
| Net loans and leases to total assets | 74.4828% | 2,575 |
| Net loans and leases to deposits | 119.6215% | 243 |
| Net loans and leases to core deposits | 142.4857% | 914 |
| Total domestic deposits to total assets | 62.2654% | 7,882 |
| Equity capital to assets | 9.6857% | 4,371 |
| Core capital (leverage) ratio | 9.0115% | 4,608 |
| Tier 1 risk-based capital ratio | 11.2630% | 5,625 |
| Total risk-based capital ratio | 12.5213% | 5,527 |
| Memoranda: | ||
| Average total assets | $1,634,602,670 | 444 |
| Average earning assets | $1,517,238,330 | 441 |
| Average equity | $173,527,330 | 410 |
| Average total loans | $1,242,263,000 | 425 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6075% | 4,305 |
| Cost of funding earning assets | 2.5512% | 1,735 |
| Net interest margin | 3.0564% | 6,318 |
| Noninterest income to average assets | 0.3694% | 5,469 |
| Noninterest expense to average assets | 1.8212% | 7,676 |
| Loan and lease loss provision to assets | 3.3698% | 312 |
| Net operating income to assets | -1.2411% | 7,388 |
| Return on assets (ROA) | -1.3562% | 7,454 |
| Pretax return on assets | -2.1613% | 7,578 |
| Return on Equity (ROE) | -12.2503% | 7,488 |
| Retained earnings to average equity (ytd only) | -17.9542% | 7,581 |
| Net charge-offs to loans | 1.6935% | 851 |
| Credit loss provision to net charge-offs | 261.8419% | 1,806 |
| Earnings coverage of net charge-offs (x) | 1.0787% | 4,222 |
| Efficiency ratio | 56.4813% | 6,902 |
| Assets per employee ($millions) | 7.4674% | 632 |
| Cash dividends to net income (ytd only)* | -46.5616% | 8,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0046% | 1,406 |
| Loan loss allowance to noncurrent loans | 47.6517% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 3.7151% | 1,423 |
| Noncurrent loans to loans | 4.2069% | 1,409 |
| Net loans and leases to total assets | 73.7790% | 2,814 |
| Net loans and leases to deposits | 120.1129% | 285 |
| Net loans and leases to core deposits | 145.4719% | 887 |
| Total domestic deposits to total assets | 61.4247% | 7,931 |
| Equity capital to assets | 10.7918% | 3,195 |
| Core capital (leverage) ratio | 9.5863% | 3,888 |
| Tier 1 risk-based capital ratio | 11.6100% | 5,290 |
| Total risk-based capital ratio | 12.8681% | 5,194 |
| Memoranda: | ||
| Average total assets | $1,647,002,500 | 443 |
| Average earning assets | $1,530,447,000 | 433 |
| Average equity | $182,330,500 | 390 |
| Average total loans | $1,251,636,500 | 425 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5206% | 2,857 |
| Cost of funding earning assets | 3.1331% | 1,403 |
| Net interest margin | 3.3875% | 5,709 |
| Noninterest income to average assets | 0.4515% | 5,028 |
| Noninterest expense to average assets | 1.8133% | 7,741 |
| Loan and lease loss provision to assets | 0.4731% | 2,935 |
| Net operating income to assets | 1.2745% | 1,555 |
| Return on assets (ROA) | 0.2007% | 5,661 |
| Pretax return on assets | 0.2068% | 5,717 |
| Return on Equity (ROE) | 1.9809% | 5,629 |
| Retained earnings to average equity (ytd only) | -0.9863% | 5,588 |
| Net charge-offs to loans | 0.2118% | 4,090 |
| Credit loss provision to net charge-offs | 289.2529% | 1,570 |
| Earnings coverage of net charge-offs (x) | 10.9253% | 2,443 |
| Efficiency ratio | 50.1089% | 7,656 |
| Assets per employee ($millions) | 7.5752% | 552 |
| Cash dividends to net income (ytd only)* | 149.7883% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 3,711 |
| Loan loss allowance to noncurrent loans | 40.8646% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 2.5469% | 1,902 |
| Noncurrent loans to loans | 3.2050% | 1,643 |
| Net loans and leases to total assets | 75.7060% | 2,706 |
| Net loans and leases to deposits | 122.9023% | 327 |
| Net loans and leases to core deposits | 155.3414% | 679 |
| Total domestic deposits to total assets | 61.5985% | 7,906 |
| Equity capital to assets | 11.3528% | 2,747 |
| Core capital (leverage) ratio | 10.3374% | 3,130 |
| Tier 1 risk-based capital ratio | 12.0786% | 4,759 |
| Total risk-based capital ratio | 13.3205% | 4,647 |
| Memoranda: | ||
| Average total assets | $1,530,253,200 | 459 |
| Average earning assets | $1,422,427,600 | 450 |
| Average equity | $155,027,200 | 456 |
| Average total loans | $1,182,035,800 | 440 |