Home > Clear Creek National Bank > Performance and Condition Ratios
Clear Creek National 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 | 3.5279% | 7,602 |
| Cost of funding earning assets | 0.1778% | 7,753 |
| Net interest margin | 3.3501% | 5,838 |
| Noninterest income to average assets | 0.5189% | 3,961 |
| Noninterest expense to average assets | 5.6564% | 252 |
| Loan and lease loss provision to assets | 0.8081% | 1,790 |
| Net operating income to assets | -1.7852% | 7,253 |
| Return on assets (ROA) | -1.2844% | 7,080 |
| Pretax return on assets | -2.1180% | 7,269 |
| Return on Equity (ROE) | -14.4821% | 7,126 |
| Retained earnings to average equity (ytd only) | -14.4821% | 7,085 |
| Net charge-offs to loans | 0.5317% | 2,941 |
| Credit loss provision to net charge-offs | 413.0435% | 882 |
| Earnings coverage of net charge-offs (x) | -10.6957% | 6,329 |
| Efficiency ratio | 158.7112% | 181 |
| Assets per employee ($millions) | 1.9717% | 7,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4426% | 575 |
| Loan loss allowance to noncurrent loans | 30.5672% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 4.4294% | 1,503 |
| Noncurrent loans to loans | 11.2623% | 344 |
| Net loans and leases to total assets | 34.4970% | 7,405 |
| Net loans and leases to deposits | 37.9434% | 7,496 |
| Net loans and leases to core deposits | 37.9434% | 7,534 |
| Total domestic deposits to total assets | 90.9172% | 522 |
| Equity capital to assets | 8.8419% | 5,680 |
| Core capital (leverage) ratio | 9.0683% | 4,495 |
| Tier 1 risk-based capital ratio | 19.4615% | 1,615 |
| Total risk-based capital ratio | 20.7057% | 1,588 |
| Memoranda: | ||
| Average total assets | $23,513,000 | 7,544 |
| Average earning assets | $21,372,670 | 7,523 |
| Average equity | $2,085,330 | 7,647 |
| Average total loans | $8,652,000 | 7,598 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9316% | 7,507 |
| Cost of funding earning assets | 0.2247% | 7,846 |
| Net interest margin | 3.7069% | 4,204 |
| Noninterest income to average assets | 0.2901% | 5,824 |
| Noninterest expense to average assets | 5.7851% | 237 |
| Loan and lease loss provision to assets | 1.6212% | 714 |
| Net operating income to assets | -1.5058% | 7,334 |
| Return on assets (ROA) | -0.5120% | 6,865 |
| Pretax return on assets | -2.1843% | 7,455 |
| Return on Equity (ROE) | -5.7637% | 6,925 |
| Retained earnings to average equity (ytd only) | -5.7637% | 6,642 |
| Net charge-offs to loans | 0.1828% | 3,824 |
| Credit loss provision to net charge-offs | 2,375.0000% | 220 |
| Earnings coverage of net charge-offs (x) | -31.0000% | 5,588 |
| Efficiency ratio | 157.6744% | 185 |
| Assets per employee ($millions) | 1.8704% | 7,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6005% | 505 |
| Loan loss allowance to noncurrent loans | 31.6327% | 6,309 |
| Noncurrent assets plus other real estate owned to assets | 4.7939% | 1,374 |
| Noncurrent loans to loans | 11.3821% | 332 |
| Net loans and leases to total assets | 36.9793% | 7,392 |
| Net loans and leases to deposits | 40.8183% | 7,496 |
| Net loans and leases to core deposits | 40.8183% | 7,556 |
| Total domestic deposits to total assets | 90.5948% | 693 |
| Equity capital to assets | 9.2760% | 4,870 |
| Core capital (leverage) ratio | 8.7016% | 5,020 |
| Tier 1 risk-based capital ratio | 19.6177% | 1,601 |
| Total risk-based capital ratio | 20.9760% | 1,541 |
| Memoranda: | ||
| Average total assets | $23,439,500 | 7,641 |
| Average earning assets | $21,365,500 | 7,618 |
| Average equity | $2,082,000 | 7,736 |
| Average total loans | $8,751,500 | 7,695 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6045% | 7,284 |
| Cost of funding earning assets | 0.4658% | 7,855 |
| Net interest margin | 4.1387% | 2,289 |
| Noninterest income to average assets | 0.6525% | 3,268 |
| Noninterest expense to average assets | 5.4323% | 402 |
| Loan and lease loss provision to assets | 1.3621% | 1,692 |
| Net operating income to assets | -2.1057% | 7,130 |
| Return on assets (ROA) | -1.4559% | 6,837 |
| Pretax return on assets | -1.6435% | 6,780 |
| Return on Equity (ROE) | -16.0579% | 6,992 |
| Retained earnings to average equity (ytd only) | -16.0579% | 6,940 |
| Net charge-offs to loans | 3.0144% | 702 |
| Credit loss provision to net charge-offs | 113.2203% | 4,841 |
| Earnings coverage of net charge-offs (x) | -0.8407% | 6,846 |
| Efficiency ratio | 122.8782% | 564 |
| Assets per employee ($millions) | 2.0362% | 7,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4626% | 1,272 |
| Loan loss allowance to noncurrent loans | 35.9606% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 2.9958% | 2,338 |
| Noncurrent loans to loans | 6.8481% | 840 |
| Net loans and leases to total assets | 35.4997% | 7,540 |
| Net loans and leases to deposits | 38.8603% | 7,650 |
| Net loans and leases to core deposits | 40.5479% | 7,752 |
| Total domestic deposits to total assets | 91.3522% | 422 |
| Equity capital to assets | 8.5209% | 5,850 |
| Core capital (leverage) ratio | 8.1007% | 5,993 |
| Tier 1 risk-based capital ratio | 16.7503% | 2,221 |
| Total risk-based capital ratio | 18.0807% | 2,170 |
| Memoranda: | ||
| Average total assets | $24,520,200 | 7,652 |
| Average earning assets | $22,326,000 | 7,641 |
| Average equity | $2,223,200 | 7,797 |
| Average total loans | $9,786,400 | 7,716 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7849% | 7,149 |
| Cost of funding earning assets | 0.5137% | 7,936 |
| Net interest margin | 4.2711% | 1,804 |
| Noninterest income to average assets | 0.6357% | 3,454 |
| Noninterest expense to average assets | 5.4491% | 382 |
| Loan and lease loss provision to assets | 1.5483% | 1,229 |
| Net operating income to assets | -2.1862% | 7,379 |
| Return on assets (ROA) | -1.8037% | 7,237 |
| Pretax return on assets | -2.0428% | 7,203 |
| Return on Equity (ROE) | -19.5997% | 7,360 |
| Retained earnings to average equity (ytd only) | -19.5997% | 7,323 |
| Net charge-offs to loans | 3.4233% | 439 |
| Credit loss provision to net charge-offs | 110.8949% | 4,588 |
| Earnings coverage of net charge-offs (x) | -0.6654% | 6,550 |
| Efficiency ratio | 120.5529% | 579 |
| Assets per employee ($millions) | 2.0779% | 7,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1876% | 1,443 |
| Loan loss allowance to noncurrent loans | 97.6526% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.5881% | 3,973 |
| Noncurrent loans to loans | 2.2402% | 3,332 |
| Net loans and leases to total assets | 37.2970% | 7,575 |
| Net loans and leases to deposits | 40.9079% | 7,702 |
| Net loans and leases to core deposits | 43.1434% | 7,809 |
| Total domestic deposits to total assets | 91.1730% | 352 |
| Equity capital to assets | 8.6946% | 5,961 |
| Core capital (leverage) ratio | 8.2673% | 5,888 |
| Tier 1 risk-based capital ratio | 16.2826% | 2,521 |
| Total risk-based capital ratio | 17.6108% | 2,432 |
| Memoranda: | ||
| Average total assets | $24,541,750 | 7,725 |
| Average earning assets | $22,319,750 | 7,709 |
| Average equity | $2,258,500 | 7,866 |
| Average total loans | $10,009,750 | 7,784 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9448% | 6,935 |
| Cost of funding earning assets | 0.5434% | 8,023 |
| Net interest margin | 4.4014% | 1,409 |
| Noninterest income to average assets | 0.7292% | 2,817 |
| Noninterest expense to average assets | 5.3911% | 401 |
| Loan and lease loss provision to assets | 2.3105% | 693 |
| Net operating income to assets | -2.6336% | 7,598 |
| Return on assets (ROA) | -2.1794% | 7,467 |
| Pretax return on assets | -2.4743% | 7,412 |
| Return on Equity (ROE) | -23.2449% | 7,598 |
| Retained earnings to average equity (ytd only) | -23.2449% | 7,558 |
| Net charge-offs to loans | 5.0506% | 245 |
| Credit loss provision to net charge-offs | 109.7276% | 4,224 |
| Earnings coverage of net charge-offs (x) | -0.3230% | 5,969 |
| Efficiency ratio | 114.4348% | 760 |
| Assets per employee ($millions) | 2.0088% | 7,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0676% | 1,444 |
| Loan loss allowance to noncurrent loans | 52.4297% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 4.1817% | 1,382 |
| Noncurrent loans to loans | 3.9435% | 1,729 |
| Net loans and leases to total assets | 40.2821% | 7,534 |
| Net loans and leases to deposits | 44.5025% | 7,685 |
| Net loans and leases to core deposits | 47.2644% | 7,814 |
| Total domestic deposits to total assets | 90.5165% | 625 |
| Equity capital to assets | 9.2595% | 4,928 |
| Core capital (leverage) ratio | 8.8503% | 4,861 |
| Tier 1 risk-based capital ratio | 15.8325% | 2,681 |
| Total risk-based capital ratio | 17.1531% | 2,603 |
| Memoranda: | ||
| Average total assets | $24,410,670 | 7,806 |
| Average earning assets | $22,083,670 | 7,792 |
| Average equity | $2,288,670 | 7,928 |
| Average total loans | $10,177,000 | 7,852 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9841% | 6,967 |
| Cost of funding earning assets | 0.5538% | 8,077 |
| Net interest margin | 4.4304% | 1,274 |
| Noninterest income to average assets | 0.6514% | 3,190 |
| Noninterest expense to average assets | 5.0319% | 477 |
| Loan and lease loss provision to assets | 3.7780% | 261 |
| Net operating income to assets | -3.5337% | 7,926 |
| Return on assets (ROA) | -3.5337% | 7,920 |
| Pretax return on assets | -4.1199% | 7,920 |
| Return on Equity (ROE) | -37.4622% | 7,963 |
| Retained earnings to average equity (ytd only) | -37.4622% | 7,936 |
| Net charge-offs to loans | 7.9938% | 95 |
| Credit loss provision to net charge-offs | 112.6214% | 3,444 |
| Earnings coverage of net charge-offs (x) | -0.1019% | 5,075 |
| Efficiency ratio | 107.2917% | 890 |
| Assets per employee ($millions) | 2.0636% | 7,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0582% | 1,312 |
| Loan loss allowance to noncurrent loans | 54.6667% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 3.8162% | 1,381 |
| Noncurrent loans to loans | 3.7651% | 1,642 |
| Net loans and leases to total assets | 39.3934% | 7,598 |
| Net loans and leases to deposits | 43.3055% | 7,749 |
| Net loans and leases to core deposits | 45.4736% | 7,878 |
| Total domestic deposits to total assets | 90.9664% | 426 |
| Equity capital to assets | 8.9206% | 5,450 |
| Core capital (leverage) ratio | 8.9276% | 4,825 |
| Tier 1 risk-based capital ratio | 16.1475% | 2,637 |
| Total risk-based capital ratio | 17.4634% | 2,552 |
| Memoranda: | ||
| Average total assets | $24,563,500 | 7,849 |
| Average earning assets | $22,391,000 | 7,829 |
| Average equity | $2,317,000 | 7,976 |
| Average total loans | $10,308,000 | 7,896 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9123% | 5,975 |
| Cost of funding earning assets | 0.8631% | 8,102 |
| Net interest margin | 5.0491% | 455 |
| Noninterest income to average assets | 0.7214% | 2,975 |
| Noninterest expense to average assets | 4.8825% | 671 |
| Loan and lease loss provision to assets | 0.1182% | 5,857 |
| Net operating income to assets | 0.2237% | 5,778 |
| Return on assets (ROA) | 0.2323% | 5,575 |
| Pretax return on assets | 0.3342% | 5,433 |
| Return on Equity (ROE) | 2.3772% | 5,469 |
| Retained earnings to average equity (ytd only) | 2.3772% | 3,720 |
| Net charge-offs to loans | 0.1777% | 4,422 |
| Credit loss provision to net charge-offs | 145.0000% | 3,642 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 3,657 |
| Efficiency ratio | 91.7305% | 1,395 |
| Assets per employee ($millions) | 2.0303% | 7,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 1,944 |
| Loan loss allowance to noncurrent loans | 35.2941% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 2.8854% | 1,611 |
| Noncurrent loans to loans | 4.7860% | 958 |
| Net loans and leases to total assets | 42.9979% | 7,531 |
| Net loans and leases to deposits | 47.8116% | 7,714 |
| Net loans and leases to core deposits | 50.9781% | 7,864 |
| Total domestic deposits to total assets | 89.9319% | 670 |
| Equity capital to assets | 9.9532% | 4,096 |
| Core capital (leverage) ratio | 9.4199% | 4,128 |
| Tier 1 risk-based capital ratio | 17.9036% | 2,064 |
| Total risk-based capital ratio | 19.1516% | 2,006 |
| Memoranda: | ||
| Average total assets | $24,536,400 | 7,856 |
| Average earning assets | $22,360,200 | 7,845 |
| Average equity | $2,397,800 | 8,021 |
| Average total loans | $11,257,400 | 7,876 |