Home > Colorado State Bank and Trust, N. A. > Performance and Condition Ratios
Colorado State Bank and Trust, N. A., Performance and Condition Ratios
| 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 | 3.0321% | 7,491 |
| Cost of funding earning assets | 1.0697% | 5,313 |
| Net interest margin | 1.9624% | 7,463 |
| Noninterest income to average assets | 1.2729% | 908 |
| Noninterest expense to average assets | 2.7078% | 4,957 |
| Loan and lease loss provision to assets | 0.2522% | 4,778 |
| Net operating income to assets | 0.0950% | 5,602 |
| Return on assets (ROA) | 0.0599% | 5,827 |
| Pretax return on assets | -0.0025% | 5,903 |
| Return on Equity (ROE) | 0.5333% | 5,823 |
| Retained earnings to average equity (ytd only) | 0.5333% | 5,310 |
| Net charge-offs to loans | 0.5502% | 3,410 |
| Credit loss provision to net charge-offs | 168.6582% | 2,014 |
| Earnings coverage of net charge-offs (x) | 2.0365% | 4,205 |
| Efficiency ratio | 83.9089% | 1,931 |
| Assets per employee ($millions) | 6.5319% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3816% | 1,575 |
| Loan loss allowance to noncurrent loans | 56.9145% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.6751% | 3,786 |
| Noncurrent loans to loans | 4.1845% | 1,730 |
| Net loans and leases to total assets | 25.8386% | 7,437 |
| Net loans and leases to deposits | 29.5943% | 7,465 |
| Net loans and leases to core deposits | 31.6731% | 7,454 |
| Total domestic deposits to total assets | 87.3094% | 2,661 |
| Equity capital to assets | 10.9877% | 2,696 |
| Core capital (leverage) ratio | 6.8524% | 7,087 |
| Tier 1 risk-based capital ratio | 12.5100% | 5,014 |
| Total risk-based capital ratio | 13.7606% | 4,999 |
| Memoranda: | ||
| Average total assets | $1,320,796,400 | 510 |
| Average earning assets | $1,170,679,000 | 521 |
| Average equity | $148,331,000 | 460 |
| Average total loans | $358,962,800 | 1,251 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1806% | 7,597 |
| Cost of funding earning assets | 1.1095% | 5,372 |
| Net interest margin | 2.0711% | 7,557 |
| Noninterest income to average assets | 1.1996% | 972 |
| Noninterest expense to average assets | 2.6860% | 4,939 |
| Loan and lease loss provision to assets | 0.4101% | 3,443 |
| Net operating income to assets | -0.0523% | 6,105 |
| Return on assets (ROA) | -0.0002% | 6,132 |
| Pretax return on assets | 0.0150% | 6,068 |
| Return on Equity (ROE) | -0.0018% | 6,133 |
| Retained earnings to average equity (ytd only) | -0.0018% | 5,784 |
| Net charge-offs to loans | 0.6944% | 2,680 |
| Credit loss provision to net charge-offs | 215.7895% | 1,613 |
| Earnings coverage of net charge-offs (x) | 1.8083% | 4,355 |
| Efficiency ratio | 82.6450% | 1,990 |
| Assets per employee ($millions) | 6.2780% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6861% | 1,097 |
| Loan loss allowance to noncurrent loans | 62.2409% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 1.7687% | 3,792 |
| Noncurrent loans to loans | 4.3157% | 1,687 |
| Net loans and leases to total assets | 25.4663% | 7,546 |
| Net loans and leases to deposits | 29.2508% | 7,571 |
| Net loans and leases to core deposits | 31.1311% | 7,564 |
| Total domestic deposits to total assets | 87.0619% | 2,492 |
| Equity capital to assets | 11.0955% | 2,857 |
| Core capital (leverage) ratio | 7.1125% | 7,104 |
| Tier 1 risk-based capital ratio | 12.1168% | 5,348 |
| Total risk-based capital ratio | 13.3684% | 5,308 |
| Memoranda: | ||
| Average total assets | $1,306,438,500 | 513 |
| Average earning assets | $1,154,376,500 | 523 |
| Average equity | $147,555,000 | 461 |
| Average total loans | $357,502,750 | 1,266 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3702% | 7,645 |
| Cost of funding earning assets | 1.1470% | 5,424 |
| Net interest margin | 2.2232% | 7,569 |
| Noninterest income to average assets | 1.3554% | 686 |
| Noninterest expense to average assets | 2.7630% | 4,647 |
| Loan and lease loss provision to assets | 0.3594% | 3,552 |
| Net operating income to assets | 0.1150% | 5,817 |
| Return on assets (ROA) | 0.2440% | 5,538 |
| Pretax return on assets | 0.3935% | 5,249 |
| Return on Equity (ROE) | 2.1469% | 5,588 |
| Retained earnings to average equity (ytd only) | 2.1469% | 4,779 |
| Net charge-offs to loans | 0.7595% | 2,339 |
| Credit loss provision to net charge-offs | 170.3595% | 2,294 |
| Earnings coverage of net charge-offs (x) | 2.6134% | 3,693 |
| Efficiency ratio | 77.8058% | 2,756 |
| Assets per employee ($millions) | 6.0689% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2921% | 1,596 |
| Loan loss allowance to noncurrent loans | 64.4512% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.4817% | 4,243 |
| Noncurrent loans to loans | 3.5564% | 2,218 |
| Net loans and leases to total assets | 27.7310% | 7,584 |
| Net loans and leases to deposits | 32.0833% | 7,610 |
| Net loans and leases to core deposits | 34.2868% | 7,596 |
| Total domestic deposits to total assets | 86.4342% | 2,855 |
| Equity capital to assets | 11.7993% | 2,221 |
| Core capital (leverage) ratio | 7.2123% | 7,062 |
| Tier 1 risk-based capital ratio | 12.6257% | 4,752 |
| Total risk-based capital ratio | 13.8758% | 4,720 |
| Memoranda: | ||
| Average total assets | $1,291,997,000 | 513 |
| Average earning assets | $1,138,437,330 | 529 |
| Average equity | $146,819,000 | 463 |
| Average total loans | $358,929,330 | 1,273 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3725% | 7,739 |
| Cost of funding earning assets | 1.1756% | 5,529 |
| Net interest margin | 2.1970% | 7,651 |
| Noninterest income to average assets | 1.4518% | 567 |
| Noninterest expense to average assets | 2.7307% | 4,760 |
| Loan and lease loss provision to assets | 0.6304% | 2,014 |
| Net operating income to assets | 0.0167% | 6,244 |
| Return on assets (ROA) | -0.0532% | 6,458 |
| Pretax return on assets | -0.0858% | 6,448 |
| Return on Equity (ROE) | -0.4771% | 6,465 |
| Retained earnings to average equity (ytd only) | -0.4771% | 5,944 |
| Net charge-offs to loans | 0.8626% | 1,817 |
| Credit loss provision to net charge-offs | 265.8885% | 1,480 |
| Earnings coverage of net charge-offs (x) | 2.7575% | 3,166 |
| Efficiency ratio | 75.2771% | 3,350 |
| Assets per employee ($millions) | 6.0771% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4428% | 1,368 |
| Loan loss allowance to noncurrent loans | 61.8517% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.7842% | 3,811 |
| Noncurrent loans to loans | 3.9495% | 1,995 |
| Net loans and leases to total assets | 26.6921% | 7,692 |
| Net loans and leases to deposits | 30.6833% | 7,722 |
| Net loans and leases to core deposits | 32.7196% | 7,705 |
| Total domestic deposits to total assets | 86.9922% | 2,632 |
| Equity capital to assets | 11.2764% | 2,520 |
| Core capital (leverage) ratio | 6.9159% | 7,298 |
| Tier 1 risk-based capital ratio | 12.0241% | 5,172 |
| Total risk-based capital ratio | 13.2744% | 5,133 |
| Memoranda: | ||
| Average total assets | $1,300,757,000 | 529 |
| Average earning assets | $1,144,308,000 | 541 |
| Average equity | $145,039,000 | 473 |
| Average total loans | $357,536,000 | 1,325 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6811% | 7,788 |
| Cost of funding earning assets | 1.7631% | 4,184 |
| Net interest margin | 1.9180% | 7,773 |
| Noninterest income to average assets | 1.1395% | 1,186 |
| Noninterest expense to average assets | 3.0530% | 3,934 |
| Loan and lease loss provision to assets | 0.4035% | 4,396 |
| Net operating income to assets | -0.3537% | 6,033 |
| Return on assets (ROA) | -0.2915% | 5,958 |
| Pretax return on assets | -0.5438% | 6,048 |
| Return on Equity (ROE) | -2.7236% | 5,949 |
| Retained earnings to average equity (ytd only) | -2.7236% | 5,649 |
| Net charge-offs to loans | 1.2656% | 1,953 |
| Credit loss provision to net charge-offs | 114.3617% | 4,786 |
| Earnings coverage of net charge-offs (x) | -0.6736% | 6,792 |
| Efficiency ratio | 100.7919% | 1,067 |
| Assets per employee ($millions) | 5.9419% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0222% | 1,974 |
| Loan loss allowance to noncurrent loans | 60.7507% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.6531% | 3,893 |
| Noncurrent loans to loans | 3.3287% | 2,289 |
| Net loans and leases to total assets | 27.0523% | 7,767 |
| Net loans and leases to deposits | 31.0541% | 7,797 |
| Net loans and leases to core deposits | 41.8648% | 7,734 |
| Total domestic deposits to total assets | 87.1136% | 2,431 |
| Equity capital to assets | 11.0267% | 2,692 |
| Core capital (leverage) ratio | 6.9564% | 7,277 |
| Tier 1 risk-based capital ratio | 11.1315% | 5,797 |
| Total risk-based capital ratio | 12.1586% | 5,976 |
| Memoranda: | ||
| Average total assets | $1,332,169,200 | 510 |
| Average earning assets | $1,163,974,000 | 523 |
| Average equity | $142,567,200 | 476 |
| Average total loans | $371,372,000 | 1,291 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7346% | 7,885 |
| Cost of funding earning assets | 1.9243% | 3,753 |
| Net interest margin | 1.8103% | 7,881 |
| Noninterest income to average assets | 1.2460% | 992 |
| Noninterest expense to average assets | 2.9877% | 4,097 |
| Loan and lease loss provision to assets | 0.4284% | 3,759 |
| Net operating income to assets | -0.3893% | 6,301 |
| Return on assets (ROA) | -0.1915% | 6,059 |
| Pretax return on assets | -0.2916% | 6,093 |
| Return on Equity (ROE) | -1.8027% | 6,068 |
| Retained earnings to average equity (ytd only) | -1.8027% | 5,682 |
| Net charge-offs to loans | 1.4023% | 1,471 |
| Credit loss provision to net charge-offs | 109.3408% | 4,654 |
| Earnings coverage of net charge-offs (x) | -0.4159% | 6,437 |
| Efficiency ratio | 98.1712% | 1,157 |
| Assets per employee ($millions) | 5.9322% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7921% | 2,304 |
| Loan loss allowance to noncurrent loans | 43.1662% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 1.7832% | 3,683 |
| Noncurrent loans to loans | 4.1517% | 1,750 |
| Net loans and leases to total assets | 29.3597% | 7,819 |
| Net loans and leases to deposits | 33.8073% | 7,862 |
| Net loans and leases to core deposits | 45.4481% | 7,775 |
| Total domestic deposits to total assets | 86.8441% | 2,259 |
| Equity capital to assets | 11.2485% | 2,792 |
| Core capital (leverage) ratio | 6.9796% | 7,449 |
| Tier 1 risk-based capital ratio | 11.0746% | 5,875 |
| Total risk-based capital ratio | 12.0176% | 6,157 |
| Memoranda: | ||
| Average total assets | $1,336,920,750 | 518 |
| Average earning assets | $1,165,907,250 | 536 |
| Average equity | $142,009,250 | 488 |
| Average total loans | $373,571,750 | 1,302 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8370% | 7,958 |
| Cost of funding earning assets | 2.0491% | 3,525 |
| Net interest margin | 1.7879% | 7,946 |
| Noninterest income to average assets | 1.3776% | 807 |
| Noninterest expense to average assets | 2.9473% | 4,303 |
| Loan and lease loss provision to assets | 0.5174% | 2,953 |
| Net operating income to assets | -0.3403% | 6,376 |
| Return on assets (ROA) | -0.0774% | 6,029 |
| Pretax return on assets | -0.1249% | 6,026 |
| Return on Equity (ROE) | -0.7433% | 6,038 |
| Retained earnings to average equity (ytd only) | -0.7433% | 5,412 |
| Net charge-offs to loans | 1.9393% | 960 |
| Credit loss provision to net charge-offs | 97.6986% | 4,684 |
| Earnings coverage of net charge-offs (x) | -0.0342% | 5,724 |
| Efficiency ratio | 93.3374% | 1,545 |
| Assets per employee ($millions) | 5.8613% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7924% | 2,068 |
| Loan loss allowance to noncurrent loans | 29.8619% | 6,490 |
| Noncurrent assets plus other real estate owned to assets | 2.0541% | 3,124 |
| Noncurrent loans to loans | 6.0022% | 911 |
| Net loans and leases to total assets | 27.0766% | 7,945 |
| Net loans and leases to deposits | 31.1277% | 7,978 |
| Net loans and leases to core deposits | 43.4612% | 7,878 |
| Total domestic deposits to total assets | 86.9857% | 2,266 |
| Equity capital to assets | 11.1718% | 2,773 |
| Core capital (leverage) ratio | 6.8368% | 7,639 |
| Tier 1 risk-based capital ratio | 10.6971% | 6,187 |
| Total risk-based capital ratio | 11.5160% | 6,564 |
| Memoranda: | ||
| Average total assets | $1,345,552,000 | 529 |
| Average earning assets | $1,167,743,000 | 548 |
| Average equity | $140,188,670 | 502 |
| Average total loans | $367,450,000 | 1,354 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6846% | 8,064 |
| Cost of funding earning assets | 2.0768% | 3,757 |
| Net interest margin | 1.6078% | 8,031 |
| Noninterest income to average assets | 1.3472% | 790 |
| Noninterest expense to average assets | 2.6458% | 5,237 |
| Loan and lease loss provision to assets | 0.8363% | 1,554 |
| Net operating income to assets | -0.4442% | 6,822 |
| Return on assets (ROA) | -0.3503% | 6,815 |
| Pretax return on assets | -0.5652% | 6,872 |
| Return on Equity (ROE) | -3.4863% | 6,838 |
| Retained earnings to average equity (ytd only) | -3.4863% | 6,363 |
| Net charge-offs to loans | 2.8421% | 457 |
| Credit loss provision to net charge-offs | 108.2664% | 3,544 |
| Earnings coverage of net charge-offs (x) | 0.1611% | 4,852 |
| Efficiency ratio | 87.8562% | 1,909 |
| Assets per employee ($millions) | 6.1337% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7804% | 1,899 |
| Loan loss allowance to noncurrent loans | 38.7648% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 1.5568% | 3,602 |
| Noncurrent loans to loans | 4.5929% | 1,238 |
| Net loans and leases to total assets | 27.7198% | 7,968 |
| Net loans and leases to deposits | 32.0939% | 8,011 |
| Net loans and leases to core deposits | 44.8701% | 7,889 |
| Total domestic deposits to total assets | 86.3708% | 2,511 |
| Equity capital to assets | 10.0661% | 3,928 |
| Core capital (leverage) ratio | 6.5460% | 7,860 |
| Tier 1 risk-based capital ratio | 11.3189% | 5,579 |
| Total risk-based capital ratio | 12.2678% | 5,789 |
| Memoranda: | ||
| Average total assets | $1,353,073,500 | 529 |
| Average earning assets | $1,197,637,500 | 535 |
| Average equity | $135,962,000 | 509 |
| Average total loans | $367,759,000 | 1,371 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 8,047 |
| Cost of funding earning assets | 2.7985% | 2,713 |
| Net interest margin | 1.6123% | 8,169 |
| Noninterest income to average assets | 1.0255% | 1,509 |
| Noninterest expense to average assets | 2.9156% | 4,396 |
| Loan and lease loss provision to assets | 0.6536% | 2,225 |
| Net operating income to assets | -0.6915% | 7,062 |
| Return on assets (ROA) | -0.6487% | 6,930 |
| Pretax return on assets | -1.0646% | 7,041 |
| Return on Equity (ROE) | -5.6630% | 6,931 |
| Retained earnings to average equity (ytd only) | -5.6630% | 6,613 |
| Net charge-offs to loans | 1.6186% | 699 |
| Credit loss provision to net charge-offs | 189.1007% | 2,617 |
| Earnings coverage of net charge-offs (x) | -1.3824% | 6,651 |
| Efficiency ratio | 109.3514% | 723 |
| Assets per employee ($millions) | 6.3428% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9048% | 1,402 |
| Loan loss allowance to noncurrent loans | 34.9706% | 6,410 |
| Noncurrent assets plus other real estate owned to assets | 1.8382% | 2,686 |
| Noncurrent loans to loans | 5.4468% | 759 |
| Net loans and leases to total assets | 25.6164% | 8,076 |
| Net loans and leases to deposits | 29.8835% | 8,115 |
| Net loans and leases to core deposits | 40.3422% | 8,046 |
| Total domestic deposits to total assets | 85.7208% | 2,530 |
| Equity capital to assets | 10.0303% | 3,998 |
| Core capital (leverage) ratio | 6.8956% | 7,763 |
| Tier 1 risk-based capital ratio | 11.3940% | 5,341 |
| Total risk-based capital ratio | 12.4076% | 5,476 |
| Memoranda: | ||
| Average total assets | $1,290,107,600 | 529 |
| Average earning assets | $1,130,030,800 | 540 |
| Average equity | $147,784,600 | 468 |
| Average total loans | $275,481,600 | 1,740 |