Home > Community Bank of Nevada > Performance and Condition Ratios
Community Bank of Nevada, 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 | 4.8033% | 7,221 |
| Cost of funding earning assets | 3.3371% | 180 |
| Net interest margin | 1.4662% | 8,022 |
| Noninterest income to average assets | -2.2798% | 8,178 |
| Noninterest expense to average assets | 2.5454% | 5,965 |
| Loan and lease loss provision to assets | 7.4245% | 84 |
| Net operating income to assets | -10.9688% | 8,139 |
| Return on assets (ROA) | -10.9581% | 8,133 |
| Pretax return on assets | -10.9581% | 8,121 |
| Return on Equity (ROE) | -410.8579% | 8,176 |
| Retained earnings to average equity (ytd only) | -410.8579% | 8,176 |
| Net charge-offs to loans | 6.6291% | 148 |
| Credit loss provision to net charge-offs | 138.7923% | 3,366 |
| Earnings coverage of net charge-offs (x) | -0.6626% | 6,142 |
| Efficiency ratio | -254.8173% | 8,184 |
| Assets per employee ($millions) | 6.2402% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.8022% | 19 |
| Loan loss allowance to noncurrent loans | 42.8517% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 28.1477% | 17 |
| Noncurrent loans to loans | 22.8746% | 36 |
| Net loans and leases to total assets | 77.2163% | 1,907 |
| Net loans and leases to deposits | 78.6256% | 4,761 |
| Net loans and leases to core deposits | 99.3424% | 4,575 |
| Total domestic deposits to total assets | 98.2076% | 14 |
| Equity capital to assets | 0.0628% | 8,171 |
| Core capital (leverage) ratio | 0.0213% | 8,173 |
| Tier 1 risk-based capital ratio | 0.0240% | 8,173 |
| Total risk-based capital ratio | 0.0481% | 8,173 |
| Memoranda: | ||
| Average total assets | $1,539,854,000 | 473 |
| Average earning assets | $1,345,236,000 | 487 |
| Average equity | $41,069,670 | 1,652 |
| Average total loans | $1,242,581,670 | 424 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6880% | 7,522 |
| Cost of funding earning assets | 3.2556% | 300 |
| Net interest margin | 1.4323% | 8,077 |
| Noninterest income to average assets | 0.2627% | 6,352 |
| Noninterest expense to average assets | 2.2306% | 6,758 |
| Loan and lease loss provision to assets | 11.1646% | 30 |
| Net operating income to assets | -11.8588% | 8,186 |
| Return on assets (ROA) | -11.8588% | 8,178 |
| Pretax return on assets | -11.8588% | 8,174 |
| Return on Equity (ROE) | -312.3199% | 8,220 |
| Retained earnings to average equity (ytd only) | -312.3199% | 8,219 |
| Net charge-offs to loans | 13.0462% | 33 |
| Credit loss provision to net charge-offs | 108.9275% | 3,533 |
| Earnings coverage of net charge-offs (x) | -0.0677% | 5,040 |
| Efficiency ratio | 145.1915% | 383 |
| Assets per employee ($millions) | 6.5039% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5010% | 25 |
| Loan loss allowance to noncurrent loans | 40.6322% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 24.5029% | 18 |
| Noncurrent loans to loans | 20.9217% | 39 |
| Net loans and leases to total assets | 74.5794% | 2,604 |
| Net loans and leases to deposits | 77.7359% | 4,967 |
| Net loans and leases to core deposits | 93.1363% | 5,242 |
| Total domestic deposits to total assets | 95.9395% | 17 |
| Equity capital to assets | 2.4775% | 8,210 |
| Core capital (leverage) ratio | 2.2526% | 8,216 |
| Tier 1 risk-based capital ratio | 2.6871% | 8,219 |
| Total risk-based capital ratio | 4.0171% | 8,219 |
| Memoranda: | ||
| Average total assets | $1,610,882,000 | 455 |
| Average earning assets | $1,432,346,000 | 467 |
| Average equity | $61,165,500 | 1,121 |
| Average total loans | $1,265,561,000 | 422 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5599% | 2,671 |
| Cost of funding earning assets | 2.8031% | 2,694 |
| Net interest margin | 3.7568% | 4,193 |
| Noninterest income to average assets | 0.2064% | 6,965 |
| Noninterest expense to average assets | 8.8100% | 183 |
| Loan and lease loss provision to assets | 7.2569% | 35 |
| Net operating income to assets | -11.5783% | 8,270 |
| Return on assets (ROA) | -11.5673% | 8,270 |
| Pretax return on assets | -12.5197% | 8,266 |
| Return on Equity (ROE) | -80.6465% | 8,249 |
| Retained earnings to average equity (ytd only) | -84.7003% | 8,251 |
| Net charge-offs to loans | 2.4459% | 402 |
| Credit loss provision to net charge-offs | 357.1579% | 1,247 |
| Earnings coverage of net charge-offs (x) | -2.5961% | 6,743 |
| Efficiency ratio | 57.1515% | 6,845 |
| Assets per employee ($millions) | 7.0803% | 683 |
| Cash dividends to net income (ytd only)* | -5.0266% | 7,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8182% | 23 |
| Loan loss allowance to noncurrent loans | 49.6910% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 16.1827% | 51 |
| Noncurrent loans to loans | 15.7335% | 65 |
| Net loans and leases to total assets | 70.0099% | 4,013 |
| Net loans and leases to deposits | 75.6907% | 5,629 |
| Net loans and leases to core deposits | 85.8535% | 6,145 |
| Total domestic deposits to total assets | 92.4947% | 85 |
| Equity capital to assets | 4.9689% | 8,193 |
| Core capital (leverage) ratio | 5.0247% | 8,207 |
| Tier 1 risk-based capital ratio | 5.6978% | 8,242 |
| Total risk-based capital ratio | 7.0175% | 8,244 |
| Memoranda: | ||
| Average total assets | $1,633,005,200 | 430 |
| Average earning assets | $1,446,919,600 | 440 |
| Average equity | $234,224,600 | 324 |
| Average total loans | $1,356,579,000 | 384 |