Home > Community Bank of Arizona > Performance and Condition Ratios
Community Bank of Arizona, Performance and Condition Ratios
| 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 | 3.5492% | 8,019 |
| Cost of funding earning assets | 2.8678% | 657 |
| Net interest margin | 0.6814% | 8,131 |
| Noninterest income to average assets | -0.0763% | 8,022 |
| Noninterest expense to average assets | 4.1757% | 1,096 |
| Loan and lease loss provision to assets | 5.3022% | 178 |
| Net operating income to assets | -8.9520% | 8,096 |
| Return on assets (ROA) | -8.9520% | 8,090 |
| Pretax return on assets | -8.9520% | 8,076 |
| Return on Equity (ROE) | -77.3645% | 8,033 |
| Retained earnings to average equity (ytd only) | -77.3645% | 8,032 |
| Net charge-offs to loans | 10.6082% | 48 |
| Credit loss provision to net charge-offs | 86.2272% | 5,023 |
| Earnings coverage of net charge-offs (x) | -0.5936% | 6,120 |
| Efficiency ratio | 794.1476% | 26 |
| Assets per employee ($millions) | 5.2839% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2868% | 206 |
| Loan loss allowance to noncurrent loans | 15.5407% | 7,352 |
| Noncurrent assets plus other real estate owned to assets | 18.9639% | 48 |
| Noncurrent loans to loans | 27.5844% | 20 |
| Net loans and leases to total assets | 47.3684% | 7,087 |
| Net loans and leases to deposits | 52.2039% | 7,373 |
| Net loans and leases to core deposits | 71.7506% | 6,914 |
| Total domestic deposits to total assets | 90.7373% | 541 |
| Equity capital to assets | 8.5619% | 5,956 |
| Core capital (leverage) ratio | 8.6155% | 5,238 |
| Tier 1 risk-based capital ratio | 14.4896% | 3,249 |
| Total risk-based capital ratio | 15.7697% | 3,175 |
| Memoranda: | ||
| Average total assets | $149,485,330 | 3,998 |
| Average earning assets | $132,087,000 | 4,100 |
| Average equity | $17,297,330 | 3,664 |
| Average total loans | $86,650,330 | 4,373 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 7,997 |
| Cost of funding earning assets | 2.7312% | 1,169 |
| Net interest margin | 1.2437% | 8,123 |
| Noninterest income to average assets | 0.0911% | 7,598 |
| Noninterest expense to average assets | 4.2574% | 885 |
| Loan and lease loss provision to assets | 2.6764% | 420 |
| Net operating income to assets | -5.7309% | 8,076 |
| Return on assets (ROA) | -5.7309% | 8,067 |
| Pretax return on assets | -5.7309% | 8,034 |
| Return on Equity (ROE) | -43.3612% | 8,016 |
| Retained earnings to average equity (ytd only) | -43.3612% | 7,998 |
| Net charge-offs to loans | 7.0170% | 122 |
| Credit loss provision to net charge-offs | 60.9296% | 4,500 |
| Earnings coverage of net charge-offs (x) | -0.6954% | 5,301 |
| Efficiency ratio | 353.8991% | 62 |
| Assets per employee ($millions) | 4.1039% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8245% | 253 |
| Loan loss allowance to noncurrent loans | 17.2424% | 7,303 |
| Noncurrent assets plus other real estate owned to assets | 18.7625% | 43 |
| Noncurrent loans to loans | 22.1807% | 35 |
| Net loans and leases to total assets | 60.8074% | 5,534 |
| Net loans and leases to deposits | 70.4815% | 5,933 |
| Net loans and leases to core deposits | 105.4419% | 3,979 |
| Total domestic deposits to total assets | 86.2743% | 2,572 |
| Equity capital to assets | 13.0054% | 1,742 |
| Core capital (leverage) ratio | 12.8188% | 1,548 |
| Tier 1 risk-based capital ratio | 17.6803% | 2,131 |
| Total risk-based capital ratio | 18.9563% | 2,070 |
| Memoranda: | ||
| Average total assets | $144,969,500 | 4,093 |
| Average earning assets | $129,614,000 | 4,165 |
| Average equity | $19,160,000 | 3,395 |
| Average total loans | $90,750,500 | 4,287 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0385% | 5,370 |
| Cost of funding earning assets | 2.7119% | 3,102 |
| Net interest margin | 3.3267% | 5,940 |
| Noninterest income to average assets | 0.1196% | 7,525 |
| Noninterest expense to average assets | 12.2458% | 103 |
| Loan and lease loss provision to assets | 2.4797% | 425 |
| Net operating income to assets | -10.7728% | 8,263 |
| Return on assets (ROA) | -10.7728% | 8,262 |
| Pretax return on assets | -11.7088% | 8,262 |
| Return on Equity (ROE) | -44.5081% | 8,111 |
| Retained earnings to average equity (ytd only) | -44.5081% | 8,086 |
| Net charge-offs to loans | 0.2143% | 4,067 |
| Credit loss provision to net charge-offs | 1,560.1010% | 280 |
| Earnings coverage of net charge-offs (x) | -58.0657% | 6,992 |
| Efficiency ratio | 133.3954% | 441 |
| Assets per employee ($millions) | 4.7002% | 2,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2839% | 157 |
| Loan loss allowance to noncurrent loans | 17.2026% | 7,331 |
| Noncurrent assets plus other real estate owned to assets | 17.7168% | 42 |
| Noncurrent loans to loans | 24.9024% | 20 |
| Net loans and leases to total assets | 59.3624% | 6,003 |
| Net loans and leases to deposits | 69.4401% | 6,331 |
| Net loans and leases to core deposits | 94.2093% | 5,432 |
| Total domestic deposits to total assets | 85.4872% | 2,633 |
| Equity capital to assets | 13.4125% | 1,625 |
| Core capital (leverage) ratio | 14.2434% | 1,209 |
| Tier 1 risk-based capital ratio | 17.5651% | 2,159 |
| Total risk-based capital ratio | 18.8430% | 2,093 |
| Memoranda: | ||
| Average total assets | $124,573,400 | 4,405 |
| Average earning assets | $108,486,800 | 4,548 |
| Average equity | $30,151,800 | 2,250 |
| Average total loans | $92,373,600 | 4,147 |