Home > Columbia River Bank > Performance and Condition Ratios

Columbia River Bank, Performance and Condition Ratios

2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9939%6,456
Cost of funding earning assets2.1950%2,059
Net interest margin2.7989%7,065
Noninterest income to average assets0.8311%2,266
Noninterest expense to average assets3.9923%1,373
Loan and lease loss provision to assets4.7132%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 loans7.2230%109
Credit loss provision to net charge-offs87.3219%6,088
Earnings coverage of net charge-offs (x)-0.1147%6,346
Efficiency ratio118.3455%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 loans2.5544%1,165
Loan loss allowance to noncurrent loans17.4058%7,166
Noncurrent assets plus other real estate owned to assets12.3415%234
Noncurrent loans to loans14.6754%185
Net loans and leases to total assets69.2064%3,434
Net loans and leases to deposits72.7867%5,224
Net loans and leases to core deposits94.6105%4,610
Total domestic deposits to total assets95.0812%48
Equity capital to assets2.4042%7,944
Core capital (leverage) ratio2.3461%7,941
Tier 1 risk-based capital ratio3.1955%7,940
Total risk-based capital ratio4.4600%7,940
Memoranda:
Average total assets$1,047,056,200641
Average earning assets$951,085,800639
Average equity$46,077,6001,461
Average total loans$782,435,800585
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0489%6,453
Cost of funding earning assets2.2842%2,048
Net interest margin2.7647%7,106
Noninterest income to average assets0.6777%3,171
Noninterest expense to average assets3.8024%1,582
Loan and lease loss provision to assets5.5261%134
Net operating income to assets-6.4147%7,948
Return on assets (ROA)-6.4144%7,946
Pretax return on assets-6.1374%7,917
Return on Equity (ROE)-132.3600%8,051
Retained earnings to average equity (ytd only)-132.3600%8,050
Net charge-offs to loans8.1197%81
Credit loss provision to net charge-offs90.0782%5,477
Earnings coverage of net charge-offs (x)-0.0997%6,180
Efficiency ratio119.1659%597
Assets per employee ($millions)3.2830%5,444
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.6653%911
Loan loss allowance to noncurrent loans18.9952%7,141
Noncurrent assets plus other real estate owned to assets11.2067%269
Noncurrent loans to loans14.0316%179
Net loans and leases to total assets67.7340%4,015
Net loans and leases to deposits70.8786%5,804
Net loans and leases to core deposits91.0855%5,325
Total domestic deposits to total assets95.5634%30
Equity capital to assets2.1285%8,053
Core capital (leverage) ratio2.0756%8,051
Tier 1 risk-based capital ratio2.7795%8,050
Total risk-based capital ratio4.0471%8,051
Memoranda:
Average total assets$1,070,042,250638
Average earning assets$972,684,750632
Average equity$51,856,2501,297
Average total loans$808,463,250585
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1419%6,279
Cost of funding earning assets2.3844%2,032
Net interest margin2.7576%7,092
Noninterest income to average assets0.8593%2,146
Noninterest expense to average assets3.9689%1,371
Loan and lease loss provision to assets4.4864%254
Net operating income to assets-5.5148%7,974
Return on assets (ROA)-5.5144%7,965
Pretax return on assets-5.1006%7,874
Return on Equity (ROE)-96.1108%8,071
Retained earnings to average equity (ytd only)-96.1108%8,070
Net charge-offs to loans6.2082%164
Credit loss provision to net charge-offs93.2338%4,826
Earnings coverage of net charge-offs (x)-0.1277%5,822
Efficiency ratio118.3196%697
Assets per employee ($millions)3.3993%5,066
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.8463%651
Loan loss allowance to noncurrent loans20.4323%7,106
Noncurrent assets plus other real estate owned to assets11.4872%208
Noncurrent loans to loans13.9306%160
Net loans and leases to total assets72.7283%3,024
Net loans and leases to deposits78.1816%4,840
Net loans and leases to core deposits95.6313%4,941
Total domestic deposits to total assets93.0248%98
Equity capital to assets4.1469%8,093
Core capital (leverage) ratio4.1552%8,083
Tier 1 risk-based capital ratio5.1462%8,096
Total risk-based capital ratio6.4148%8,099
Memoranda:
Average total assets$1,074,353,000647
Average earning assets$972,088,000649
Average equity$61,641,3301,105
Average total loans$832,741,000590
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3019%5,884
Cost of funding earning assets2.5193%1,848
Net interest margin2.7826%7,029
Noninterest income to average assets0.8762%1,951
Noninterest expense to average assets4.0399%1,137
Loan and lease loss provision to assets3.5998%284
Net operating income to assets-2.5268%7,769
Return on assets (ROA)-2.5273%7,770
Pretax return on assets-4.2544%7,932
Return on Equity (ROE)-38.7314%7,974
Retained earnings to average equity (ytd only)-38.7314%7,950
Net charge-offs to loans5.1648%204
Credit loss provision to net charge-offs88.4230%4,035
Earnings coverage of net charge-offs (x)-0.1606%5,112
Efficiency ratio119.3117%646
Assets per employee ($millions)3.2831%5,361
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.7786%591
Loan loss allowance to noncurrent loans24.4476%6,946
Noncurrent assets plus other real estate owned to assets10.2801%212
Noncurrent loans to loans11.3654%206
Net loans and leases to total assets78.5672%1,678
Net loans and leases to deposits86.6703%3,530
Net loans and leases to core deposits99.4649%4,588
Total domestic deposits to total assets90.6507%540
Equity capital to assets6.4745%7,880
Core capital (leverage) ratio5.9720%8,010
Tier 1 risk-based capital ratio7.0783%8,093
Total risk-based capital ratio8.3459%8,098
Memoranda:
Average total assets$1,077,842,500640
Average earning assets$972,183,000647
Average equity$70,330,500959
Average total loans$849,598,500584
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5273%2,828
Cost of funding earning assets2.4468%4,494
Net interest margin4.0805%2,792
Noninterest income to average assets1.0099%1,549
Noninterest expense to average assets4.2435%1,103
Loan and lease loss provision to assets3.9416%171
Net operating income to assets-2.3198%7,661
Return on assets (ROA)-2.3188%7,627
Pretax return on assets-3.4615%7,801
Return on Equity (ROE)-27.3723%7,910
Retained earnings to average equity (ytd only)-29.9626%7,913
Net charge-offs to loans3.2803%254
Credit loss provision to net charge-offs145.7749%3,620
Earnings coverage of net charge-offs (x)0.1770%6,141
Efficiency ratio89.8639%1,525
Assets per employee ($millions)3.3780%5,002
Cash dividends to net income (ytd only)*-9.4633%7,841
Condition Ratios (%)
Loss allowance to loans2.8366%501
Loan loss allowance to noncurrent loans26.5203%6,914
Noncurrent assets plus other real estate owned to assets9.0928%218
Noncurrent loans to loans10.6958%183
Net loans and leases to total assets74.8063%2,922
Net loans and leases to deposits83.5152%4,496
Net loans and leases to core deposits94.2763%5,427
Total domestic deposits to total assets89.5721%819
Equity capital to assets6.5718%7,911
Core capital (leverage) ratio6.2916%7,992
Tier 1 risk-based capital ratio7.4871%8,133
Total risk-based capital ratio8.7542%8,157
Memoranda:
Average total assets$1,093,711,400606
Average earning assets$995,018,600605
Average equity$92,652,200720
Average total loans$901,537,000539