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Colorado National Bank, Performance and Condition Ratios
| 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 | 6.5045% | 2,937 |
| Cost of funding earning assets | 3.4531% | 595 |
| Net interest margin | 3.0514% | 6,785 |
| Noninterest income to average assets | 0.3268% | 6,109 |
| Noninterest expense to average assets | 7.5130% | 255 |
| Loan and lease loss provision to assets | 1.9300% | 645 |
| Net operating income to assets | -6.1119% | 8,158 |
| Return on assets (ROA) | -6.5114% | 8,169 |
| Pretax return on assets | -6.9372% | 8,159 |
| Return on Equity (ROE) | -85.1104% | 8,255 |
| Retained earnings to average equity (ytd only) | -85.8571% | 8,255 |
| Net charge-offs to loans | 0.5037% | 2,348 |
| Credit loss provision to net charge-offs | 677.5401% | 627 |
| Earnings coverage of net charge-offs (x) | -16.0856% | 6,930 |
| Efficiency ratio | 99.6622% | 997 |
| Assets per employee ($millions) | 5.1462% | 1,787 |
| Cash dividends to net income (ytd only)* | -0.8773% | 7,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9949% | 97 |
| Loan loss allowance to noncurrent loans | 20.3802% | 7,221 |
| Noncurrent assets plus other real estate owned to assets | 13.1433% | 83 |
| Noncurrent loans to loans | 24.5087% | 23 |
| Net loans and leases to total assets | 47.7095% | 7,208 |
| Net loans and leases to deposits | 69.2014% | 6,350 |
| Net loans and leases to core deposits | 81.0055% | 6,536 |
| Total domestic deposits to total assets | 68.9429% | 7,389 |
| Equity capital to assets | 5.9899% | 8,064 |
| Core capital (leverage) ratio | 5.5466% | 8,155 |
| Tier 1 risk-based capital ratio | 8.6480% | 7,955 |
| Total risk-based capital ratio | 9.9314% | 8,021 |
| Memoranda: | ||
| Average total assets | $131,292,200 | 4,249 |
| Average earning assets | $112,045,800 | 4,469 |
| Average equity | $10,044,600 | 5,395 |
| Average total loans | $74,245,800 | 4,729 |