Home > Colonia Bank > Performance and Condition Ratios
Colonia Bank, Performance and Condition Ratios
| 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 | 4.9781% | 6,670 |
| Cost of funding earning assets | 0.7677% | 7,739 |
| Net interest margin | 4.2104% | 2,013 |
| Noninterest income to average assets | 0.0723% | 7,551 |
| Noninterest expense to average assets | 13.1452% | 75 |
| Loan and lease loss provision to assets | 0.9921% | 1,934 |
| Net operating income to assets | -15.8527% | 8,080 |
| Return on assets (ROA) | -15.8527% | 8,081 |
| Pretax return on assets | -10.3239% | 8,046 |
| Return on Equity (ROE) | -31.0833% | 7,635 |
| Retained earnings to average equity (ytd only) | -31.0833% | 7,618 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 344.7154% | 54 |
| Assets per employee ($millions) | 1.2786% | 8,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0711% | 1,647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 79.8764% | 1,195 |
| Net loans and leases to deposits | 145.6088% | 60 |
| Net loans and leases to core deposits | 190.9329% | 132 |
| Total domestic deposits to total assets | 54.8569% | 7,940 |
| Equity capital to assets | 43.8839% | 67 |
| Core capital (leverage) ratio | 40.9054% | 70 |
| Tier 1 risk-based capital ratio | 59.2503% | 121 |
| Total risk-based capital ratio | 60.5174% | 120 |
| Memoranda: | ||
| Average total assets | $12,901,750 | 8,016 |
| Average earning assets | $11,463,250 | 8,004 |
| Average equity | $6,580,000 | 6,455 |
| Average total loans | $9,341,750 | 7,807 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9351% | 6,955 |
| Cost of funding earning assets | 0.7403% | 7,880 |
| Net interest margin | 4.1948% | 2,020 |
| Noninterest income to average assets | 0.0464% | 7,750 |
| Noninterest expense to average assets | 13.5700% | 74 |
| Loan and lease loss provision to assets | 2.1020% | 757 |
| Net operating income to assets | -7.3414% | 8,068 |
| Return on assets (ROA) | -7.3414% | 8,057 |
| Pretax return on assets | -11.9471% | 8,136 |
| Return on Equity (ROE) | -13.7621% | 7,269 |
| Retained earnings to average equity (ytd only) | -13.7621% | 7,171 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 364.3154% | 62 |
| Assets per employee ($millions) | 1.3740% | 8,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5971% | 827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 69.8763% | 3,731 |
| Net loans and leases to deposits | 139.2660% | 86 |
| Net loans and leases to core deposits | 188.6248% | 164 |
| Total domestic deposits to total assets | 50.1747% | 8,058 |
| Equity capital to assets | 48.5444% | 63 |
| Core capital (leverage) ratio | 48.6743% | 64 |
| Tier 1 risk-based capital ratio | 73.6377% | 93 |
| Total risk-based capital ratio | 74.9117% | 92 |
| Memoranda: | ||
| Average total assets | $12,940,330 | 8,107 |
| Average earning assets | $11,347,330 | 8,093 |
| Average equity | $6,903,000 | 6,403 |
| Average total loans | $8,979,330 | 7,902 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9298% | 7,104 |
| Cost of funding earning assets | 0.8337% | 7,878 |
| Net interest margin | 4.0961% | 2,289 |
| Noninterest income to average assets | 0.0319% | 7,920 |
| Noninterest expense to average assets | 13.3328% | 79 |
| Loan and lease loss provision to assets | 3.2854% | 324 |
| Net operating income to assets | -8.0061% | 8,146 |
| Return on assets (ROA) | -8.0061% | 8,135 |
| Pretax return on assets | -12.9819% | 8,184 |
| Return on Equity (ROE) | -14.3030% | 7,579 |
| Retained earnings to average equity (ytd only) | -14.3030% | 7,401 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 366.6667% | 60 |
| Assets per employee ($millions) | 1.2507% | 8,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3234% | 919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 74.9580% | 2,513 |
| Net loans and leases to deposits | 171.6404% | 44 |
| Net loans and leases to core deposits | 252.6273% | 63 |
| Total domestic deposits to total assets | 43.6715% | 8,129 |
| Equity capital to assets | 55.1211% | 59 |
| Core capital (leverage) ratio | 52.8815% | 68 |
| Tier 1 risk-based capital ratio | 68.9682% | 112 |
| Total risk-based capital ratio | 70.2357% | 110 |
| Memoranda: | ||
| Average total assets | $12,540,500 | 8,161 |
| Average earning assets | $11,035,000 | 8,150 |
| Average equity | $7,019,500 | 6,400 |
| Average total loans | $8,540,500 | 7,975 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6551% | 8,241 |
| Cost of funding earning assets | 0.3401% | 8,214 |
| Net interest margin | 1.3150% | 8,203 |
| Noninterest income to average assets | 0.1563% | 7,309 |
| Noninterest expense to average assets | 13.6874% | 86 |
| Loan and lease loss provision to assets | 1.1724% | 1,236 |
| Net operating income to assets | -8.3531% | 8,230 |
| Return on assets (ROA) | -8.3531% | 8,228 |
| Pretax return on assets | -13.5702% | 8,274 |
| Return on Equity (ROE) | -11.5447% | 7,394 |
| Retained earnings to average equity (ytd only) | -11.5447% | 7,211 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,061.3636% | 16 |
| Assets per employee ($millions) | 1.2574% | 8,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 2,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 58.5573% | 6,121 |
| Net loans and leases to deposits | 140.1942% | 107 |
| Net loans and leases to core deposits | 193.0519% | 199 |
| Total domestic deposits to total assets | 41.7687% | 8,179 |
| Equity capital to assets | 56.8236% | 65 |
| Core capital (leverage) ratio | 64.5535% | 51 |
| Tier 1 risk-based capital ratio | 78.0893% | 103 |
| Total risk-based capital ratio | 79.3380% | 101 |
| Memoranda: | ||
| Average total assets | $10,235,670 | 8,244 |
| Average earning assets | $8,821,000 | 8,233 |
| Average equity | $7,406,000 | 6,313 |
| Average total loans | $4,898,000 | 8,166 |