Home > Colorado Mountain Bank > Performance and Condition Ratios
Colorado Mountain Bank, Performance and Condition Ratios
| 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 | 6.2666% | 561 |
| Cost of funding earning assets | 1.8410% | 1,696 |
| Net interest margin | 4.4256% | 1,315 |
| Noninterest income to average assets | 0.4345% | 4,615 |
| Noninterest expense to average assets | 3.4133% | 2,196 |
| Loan and lease loss provision to assets | 0.9559% | 1,316 |
| Net operating income to assets | 0.1448% | 5,876 |
| Return on assets (ROA) | 0.1448% | 6,004 |
| Pretax return on assets | 0.1738% | 5,961 |
| Return on Equity (ROE) | 1.4925% | 5,961 |
| Retained earnings to average equity (ytd only) | 1.4925% | 5,196 |
| Net charge-offs to loans | 0.7810% | 1,956 |
| Credit loss provision to net charge-offs | 148.8722% | 2,398 |
| Earnings coverage of net charge-offs (x) | 1.7594% | 3,679 |
| Efficiency ratio | 75.1328% | 3,372 |
| Assets per employee ($millions) | 2.8186% | 6,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8036% | 983 |
| Loan loss allowance to noncurrent loans | 65.0947% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 6.8143% | 805 |
| Noncurrent loans to loans | 4.3070% | 1,764 |
| Net loans and leases to total assets | 80.2031% | 814 |
| Net loans and leases to deposits | 89.4452% | 1,995 |
| Net loans and leases to core deposits | 95.4557% | 2,645 |
| Total domestic deposits to total assets | 89.6672% | 1,151 |
| Equity capital to assets | 9.8642% | 4,039 |
| Core capital (leverage) ratio | 9.6205% | 3,620 |
| Tier 1 risk-based capital ratio | 13.0957% | 4,262 |
| Total risk-based capital ratio | 14.3681% | 4,215 |
| Memoranda: | ||
| Average total assets | $82,852,000 | 5,667 |
| Average earning assets | $76,915,500 | 5,605 |
| Average equity | $8,040,000 | 5,827 |
| Average total loans | $68,119,500 | 4,929 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9065% | 317 |
| Cost of funding earning assets | 2.0707% | 2,626 |
| Net interest margin | 4.8359% | 643 |
| Noninterest income to average assets | 0.5006% | 4,408 |
| Noninterest expense to average assets | 3.5063% | 2,359 |
| Loan and lease loss provision to assets | 1.0155% | 2,251 |
| Net operating income to assets | 0.3333% | 4,400 |
| Return on assets (ROA) | 0.3333% | 4,491 |
| Pretax return on assets | 0.4707% | 4,282 |
| Return on Equity (ROE) | 3.5040% | 4,287 |
| Retained earnings to average equity (ytd only) | 3.5040% | 2,718 |
| Net charge-offs to loans | 1.1553% | 2,118 |
| Credit loss provision to net charge-offs | 98.8372% | 5,635 |
| Earnings coverage of net charge-offs (x) | 1.4465% | 4,681 |
| Efficiency ratio | 70.2321% | 4,575 |
| Assets per employee ($millions) | 2.7085% | 6,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6545% | 1,065 |
| Loan loss allowance to noncurrent loans | 58.9984% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 7.2960% | 683 |
| Noncurrent loans to loans | 4.4992% | 1,584 |
| Net loans and leases to total assets | 79.7532% | 1,039 |
| Net loans and leases to deposits | 88.6107% | 2,453 |
| Net loans and leases to core deposits | 119.0725% | 2,026 |
| Total domestic deposits to total assets | 90.0040% | 957 |
| Equity capital to assets | 9.5481% | 4,356 |
| Core capital (leverage) ratio | 9.4996% | 3,723 |
| Tier 1 risk-based capital ratio | 12.7305% | 4,343 |
| Total risk-based capital ratio | 14.0009% | 4,268 |
| Memoranda: | ||
| Average total assets | $83,706,400 | 5,607 |
| Average earning assets | $77,752,600 | 5,534 |
| Average equity | $7,962,400 | 5,939 |
| Average total loans | $74,441,000 | 4,710 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0653% | 275 |
| Cost of funding earning assets | 2.1036% | 2,878 |
| Net interest margin | 4.9617% | 484 |
| Noninterest income to average assets | 0.4798% | 4,667 |
| Noninterest expense to average assets | 3.2917% | 2,950 |
| Loan and lease loss provision to assets | 0.8799% | 2,185 |
| Net operating income to assets | 0.6169% | 3,548 |
| Return on assets (ROA) | 0.6169% | 3,597 |
| Pretax return on assets | 0.9214% | 3,161 |
| Return on Equity (ROE) | 6.4915% | 3,303 |
| Retained earnings to average equity (ytd only) | 6.4915% | 1,710 |
| Net charge-offs to loans | 1.5152% | 1,345 |
| Credit loss provision to net charge-offs | 64.0371% | 6,106 |
| Earnings coverage of net charge-offs (x) | 1.3109% | 4,800 |
| Efficiency ratio | 64.6322% | 5,632 |
| Assets per employee ($millions) | 2.5364% | 7,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1341% | 1,535 |
| Loan loss allowance to noncurrent loans | 47.2300% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 7.1241% | 666 |
| Noncurrent loans to loans | 4.5186% | 1,544 |
| Net loans and leases to total assets | 83.6049% | 591 |
| Net loans and leases to deposits | 93.1960% | 2,026 |
| Net loans and leases to core deposits | 122.3602% | 2,042 |
| Total domestic deposits to total assets | 89.7087% | 886 |
| Equity capital to assets | 9.7298% | 4,451 |
| Core capital (leverage) ratio | 9.7422% | 3,583 |
| Tier 1 risk-based capital ratio | 12.5837% | 4,484 |
| Total risk-based capital ratio | 13.8474% | 4,424 |
| Memoranda: | ||
| Average total assets | $83,642,000 | 5,630 |
| Average earning assets | $77,767,750 | 5,565 |
| Average equity | $7,948,750 | 6,001 |
| Average total loans | $75,853,750 | 4,702 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1677% | 248 |
| Cost of funding earning assets | 2.1339% | 3,113 |
| Net interest margin | 5.0338% | 400 |
| Noninterest income to average assets | 0.6482% | 3,353 |
| Noninterest expense to average assets | 3.2551% | 3,135 |
| Loan and lease loss provision to assets | 1.1193% | 1,531 |
| Net operating income to assets | 0.6816% | 3,335 |
| Return on assets (ROA) | 0.6816% | 3,453 |
| Pretax return on assets | 0.9734% | 3,103 |
| Return on Equity (ROE) | 7.2301% | 3,097 |
| Retained earnings to average equity (ytd only) | 7.2301% | 1,494 |
| Net charge-offs to loans | 1.7774% | 1,066 |
| Credit loss provision to net charge-offs | 68.1223% | 5,454 |
| Earnings coverage of net charge-offs (x) | 1.2737% | 4,574 |
| Efficiency ratio | 60.8676% | 6,416 |
| Assets per employee ($millions) | 2.4207% | 7,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1358% | 1,338 |
| Loan loss allowance to noncurrent loans | 53.5430% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 6.2257% | 763 |
| Noncurrent loans to loans | 3.9890% | 1,707 |
| Net loans and leases to total assets | 90.0224% | 130 |
| Net loans and leases to deposits | 100.1717% | 1,272 |
| Net loans and leases to core deposits | 129.0891% | 1,641 |
| Total domestic deposits to total assets | 89.8681% | 883 |
| Equity capital to assets | 9.7650% | 4,266 |
| Core capital (leverage) ratio | 9.6794% | 3,659 |
| Tier 1 risk-based capital ratio | 12.1134% | 4,831 |
| Total risk-based capital ratio | 13.3787% | 4,727 |
| Memoranda: | ||
| Average total assets | $83,622,000 | 5,678 |
| Average earning assets | $78,073,000 | 5,596 |
| Average equity | $7,883,670 | 6,059 |
| Average total loans | $77,303,330 | 4,682 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3508% | 207 |
| Cost of funding earning assets | 2.2093% | 3,122 |
| Net interest margin | 5.1415% | 310 |
| Noninterest income to average assets | 0.6122% | 3,458 |
| Noninterest expense to average assets | 3.3317% | 2,560 |
| Loan and lease loss provision to assets | 1.2435% | 1,040 |
| Net operating income to assets | 0.5648% | 4,163 |
| Return on assets (ROA) | 0.5648% | 4,352 |
| Pretax return on assets | 0.8306% | 3,970 |
| Return on Equity (ROE) | 6.0971% | 4,001 |
| Retained earnings to average equity (ytd only) | 6.0971% | 2,584 |
| Net charge-offs to loans | 2.7196% | 488 |
| Credit loss provision to net charge-offs | 49.3409% | 4,700 |
| Earnings coverage of net charge-offs (x) | 0.8230% | 4,366 |
| Efficiency ratio | 61.6330% | 6,121 |
| Assets per employee ($millions) | 2.4405% | 7,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0780% | 1,275 |
| Loan loss allowance to noncurrent loans | 72.0588% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 5.1581% | 862 |
| Noncurrent loans to loans | 2.8838% | 2,265 |
| Net loans and leases to total assets | 89.0464% | 195 |
| Net loans and leases to deposits | 98.7517% | 1,564 |
| Net loans and leases to core deposits | 122.7926% | 2,186 |
| Total domestic deposits to total assets | 90.1720% | 720 |
| Equity capital to assets | 9.4894% | 4,684 |
| Core capital (leverage) ratio | 9.2111% | 4,384 |
| Tier 1 risk-based capital ratio | 11.7932% | 5,133 |
| Total risk-based capital ratio | 13.0569% | 5,034 |
| Memoranda: | ||
| Average total assets | $84,281,000 | 5,664 |
| Average earning assets | $78,576,500 | 5,602 |
| Average equity | $7,807,000 | 6,121 |
| Average total loans | $78,100,500 | 4,681 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5233% | 397 |
| Cost of funding earning assets | 2.7556% | 2,898 |
| Net interest margin | 4.7677% | 839 |
| Noninterest income to average assets | 0.5476% | 4,250 |
| Noninterest expense to average assets | 3.1093% | 3,660 |
| Loan and lease loss provision to assets | 1.7380% | 741 |
| Net operating income to assets | 0.1422% | 5,999 |
| Return on assets (ROA) | 0.1422% | 5,824 |
| Pretax return on assets | 0.1692% | 5,799 |
| Return on Equity (ROE) | 1.5651% | 5,749 |
| Retained earnings to average equity (ytd only) | 0.1682% | 5,129 |
| Net charge-offs to loans | 1.1516% | 1,051 |
| Credit loss provision to net charge-offs | 164.3333% | 3,136 |
| Earnings coverage of net charge-offs (x) | 1.8033% | 5,173 |
| Efficiency ratio | 61.9817% | 5,952 |
| Assets per employee ($millions) | 2.5172% | 7,180 |
| Cash dividends to net income (ytd only)* | 89.2562% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2738% | 882 |
| Loan loss allowance to noncurrent loans | 75.5556% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 5.6727% | 556 |
| Noncurrent loans to loans | 3.0095% | 1,782 |
| Net loans and leases to total assets | 92.1996% | 77 |
| Net loans and leases to deposits | 105.1391% | 1,207 |
| Net loans and leases to core deposits | 135.7294% | 1,506 |
| Total domestic deposits to total assets | 87.6929% | 1,612 |
| Equity capital to assets | 9.0436% | 5,318 |
| Core capital (leverage) ratio | 9.0699% | 4,638 |
| Tier 1 risk-based capital ratio | 10.8084% | 5,904 |
| Total risk-based capital ratio | 12.0740% | 5,791 |
| Memoranda: | ||
| Average total assets | $85,100,200 | 5,514 |
| Average earning assets | $79,765,600 | 5,440 |
| Average equity | $7,731,000 | 6,194 |
| Average total loans | $78,154,200 | 4,583 |