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Columbia River Bank, Performance and Condition Ratios
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 | 4.9939% | 6,456 |
Cost of funding earning assets | 2.1950% | 2,059 |
Net interest margin | 2.7989% | 7,065 |
Noninterest income to average assets | 0.8311% | 2,266 |
Noninterest expense to average assets | 3.9923% | 1,373 |
Loan and lease loss provision to assets | 4.7132% | 231 |
Net operating income to assets | -4.7634% | 7,710 |
Return on assets (ROA) | -4.7381% | 7,706 |
Pretax return on assets | -5.3037% | 7,742 |
Return on Equity (ROE) | -107.6684% | 7,947 |
Retained earnings to average equity (ytd only) | -107.6684% | 7,947 |
Net charge-offs to loans | 7.2230% | 109 |
Credit loss provision to net charge-offs | 87.3219% | 6,088 |
Earnings coverage of net charge-offs (x) | -0.1147% | 6,346 |
Efficiency ratio | 118.3455% | 634 |
Assets per employee ($millions) | 3.0418% | 6,118 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5544% | 1,165 |
Loan loss allowance to noncurrent loans | 17.4058% | 7,166 |
Noncurrent assets plus other real estate owned to assets | 12.3415% | 234 |
Noncurrent loans to loans | 14.6754% | 185 |
Net loans and leases to total assets | 69.2064% | 3,434 |
Net loans and leases to deposits | 72.7867% | 5,224 |
Net loans and leases to core deposits | 94.6105% | 4,610 |
Total domestic deposits to total assets | 95.0812% | 48 |
Equity capital to assets | 2.4042% | 7,944 |
Core capital (leverage) ratio | 2.3461% | 7,941 |
Tier 1 risk-based capital ratio | 3.1955% | 7,940 |
Total risk-based capital ratio | 4.4600% | 7,940 |
Memoranda: | ||
Average total assets | $1,047,056,200 | 641 |
Average earning assets | $951,085,800 | 639 |
Average equity | $46,077,600 | 1,461 |
Average total loans | $782,435,800 | 585 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0489% | 6,453 |
Cost of funding earning assets | 2.2842% | 2,048 |
Net interest margin | 2.7647% | 7,106 |
Noninterest income to average assets | 0.6777% | 3,171 |
Noninterest expense to average assets | 3.8024% | 1,582 |
Loan and lease loss provision to assets | 5.5261% | 134 |
Net operating income to assets | -6.4147% | 7,948 |
Return on assets (ROA) | -6.4144% | 7,946 |
Pretax return on assets | -6.1374% | 7,917 |
Return on Equity (ROE) | -132.3600% | 8,051 |
Retained earnings to average equity (ytd only) | -132.3600% | 8,050 |
Net charge-offs to loans | 8.1197% | 81 |
Credit loss provision to net charge-offs | 90.0782% | 5,477 |
Earnings coverage of net charge-offs (x) | -0.0997% | 6,180 |
Efficiency ratio | 119.1659% | 597 |
Assets per employee ($millions) | 3.2830% | 5,444 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6653% | 911 |
Loan loss allowance to noncurrent loans | 18.9952% | 7,141 |
Noncurrent assets plus other real estate owned to assets | 11.2067% | 269 |
Noncurrent loans to loans | 14.0316% | 179 |
Net loans and leases to total assets | 67.7340% | 4,015 |
Net loans and leases to deposits | 70.8786% | 5,804 |
Net loans and leases to core deposits | 91.0855% | 5,325 |
Total domestic deposits to total assets | 95.5634% | 30 |
Equity capital to assets | 2.1285% | 8,053 |
Core capital (leverage) ratio | 2.0756% | 8,051 |
Tier 1 risk-based capital ratio | 2.7795% | 8,050 |
Total risk-based capital ratio | 4.0471% | 8,051 |
Memoranda: | ||
Average total assets | $1,070,042,250 | 638 |
Average earning assets | $972,684,750 | 632 |
Average equity | $51,856,250 | 1,297 |
Average total loans | $808,463,250 | 585 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1419% | 6,279 |
Cost of funding earning assets | 2.3844% | 2,032 |
Net interest margin | 2.7576% | 7,092 |
Noninterest income to average assets | 0.8593% | 2,146 |
Noninterest expense to average assets | 3.9689% | 1,371 |
Loan and lease loss provision to assets | 4.4864% | 254 |
Net operating income to assets | -5.5148% | 7,974 |
Return on assets (ROA) | -5.5144% | 7,965 |
Pretax return on assets | -5.1006% | 7,874 |
Return on Equity (ROE) | -96.1108% | 8,071 |
Retained earnings to average equity (ytd only) | -96.1108% | 8,070 |
Net charge-offs to loans | 6.2082% | 164 |
Credit loss provision to net charge-offs | 93.2338% | 4,826 |
Earnings coverage of net charge-offs (x) | -0.1277% | 5,822 |
Efficiency ratio | 118.3196% | 697 |
Assets per employee ($millions) | 3.3993% | 5,066 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8463% | 651 |
Loan loss allowance to noncurrent loans | 20.4323% | 7,106 |
Noncurrent assets plus other real estate owned to assets | 11.4872% | 208 |
Noncurrent loans to loans | 13.9306% | 160 |
Net loans and leases to total assets | 72.7283% | 3,024 |
Net loans and leases to deposits | 78.1816% | 4,840 |
Net loans and leases to core deposits | 95.6313% | 4,941 |
Total domestic deposits to total assets | 93.0248% | 98 |
Equity capital to assets | 4.1469% | 8,093 |
Core capital (leverage) ratio | 4.1552% | 8,083 |
Tier 1 risk-based capital ratio | 5.1462% | 8,096 |
Total risk-based capital ratio | 6.4148% | 8,099 |
Memoranda: | ||
Average total assets | $1,074,353,000 | 647 |
Average earning assets | $972,088,000 | 649 |
Average equity | $61,641,330 | 1,105 |
Average total loans | $832,741,000 | 590 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3019% | 5,884 |
Cost of funding earning assets | 2.5193% | 1,848 |
Net interest margin | 2.7826% | 7,029 |
Noninterest income to average assets | 0.8762% | 1,951 |
Noninterest expense to average assets | 4.0399% | 1,137 |
Loan and lease loss provision to assets | 3.5998% | 284 |
Net operating income to assets | -2.5268% | 7,769 |
Return on assets (ROA) | -2.5273% | 7,770 |
Pretax return on assets | -4.2544% | 7,932 |
Return on Equity (ROE) | -38.7314% | 7,974 |
Retained earnings to average equity (ytd only) | -38.7314% | 7,950 |
Net charge-offs to loans | 5.1648% | 204 |
Credit loss provision to net charge-offs | 88.4230% | 4,035 |
Earnings coverage of net charge-offs (x) | -0.1606% | 5,112 |
Efficiency ratio | 119.3117% | 646 |
Assets per employee ($millions) | 3.2831% | 5,361 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7786% | 591 |
Loan loss allowance to noncurrent loans | 24.4476% | 6,946 |
Noncurrent assets plus other real estate owned to assets | 10.2801% | 212 |
Noncurrent loans to loans | 11.3654% | 206 |
Net loans and leases to total assets | 78.5672% | 1,678 |
Net loans and leases to deposits | 86.6703% | 3,530 |
Net loans and leases to core deposits | 99.4649% | 4,588 |
Total domestic deposits to total assets | 90.6507% | 540 |
Equity capital to assets | 6.4745% | 7,880 |
Core capital (leverage) ratio | 5.9720% | 8,010 |
Tier 1 risk-based capital ratio | 7.0783% | 8,093 |
Total risk-based capital ratio | 8.3459% | 8,098 |
Memoranda: | ||
Average total assets | $1,077,842,500 | 640 |
Average earning assets | $972,183,000 | 647 |
Average equity | $70,330,500 | 959 |
Average total loans | $849,598,500 | 584 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5273% | 2,828 |
Cost of funding earning assets | 2.4468% | 4,494 |
Net interest margin | 4.0805% | 2,792 |
Noninterest income to average assets | 1.0099% | 1,549 |
Noninterest expense to average assets | 4.2435% | 1,103 |
Loan and lease loss provision to assets | 3.9416% | 171 |
Net operating income to assets | -2.3198% | 7,661 |
Return on assets (ROA) | -2.3188% | 7,627 |
Pretax return on assets | -3.4615% | 7,801 |
Return on Equity (ROE) | -27.3723% | 7,910 |
Retained earnings to average equity (ytd only) | -29.9626% | 7,913 |
Net charge-offs to loans | 3.2803% | 254 |
Credit loss provision to net charge-offs | 145.7749% | 3,620 |
Earnings coverage of net charge-offs (x) | 0.1770% | 6,141 |
Efficiency ratio | 89.8639% | 1,525 |
Assets per employee ($millions) | 3.3780% | 5,002 |
Cash dividends to net income (ytd only)* | -9.4633% | 7,841 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8366% | 501 |
Loan loss allowance to noncurrent loans | 26.5203% | 6,914 |
Noncurrent assets plus other real estate owned to assets | 9.0928% | 218 |
Noncurrent loans to loans | 10.6958% | 183 |
Net loans and leases to total assets | 74.8063% | 2,922 |
Net loans and leases to deposits | 83.5152% | 4,496 |
Net loans and leases to core deposits | 94.2763% | 5,427 |
Total domestic deposits to total assets | 89.5721% | 819 |
Equity capital to assets | 6.5718% | 7,911 |
Core capital (leverage) ratio | 6.2916% | 7,992 |
Tier 1 risk-based capital ratio | 7.4871% | 8,133 |
Total risk-based capital ratio | 8.7542% | 8,157 |
Memoranda: | ||
Average total assets | $1,093,711,400 | 606 |
Average earning assets | $995,018,600 | 605 |
Average equity | $92,652,200 | 720 |
Average total loans | $901,537,000 | 539 |