Home > Community Bank of the Red River Valley > Performance and Condition Ratios
Community Bank of the Red River Valley, Performance and Condition Ratios
| 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 | 5.4865% | 4,490 |
| Cost of funding earning assets | 1.2800% | 6,621 |
| Net interest margin | 4.2065% | 2,034 |
| Noninterest income to average assets | 0.9959% | 1,620 |
| Noninterest expense to average assets | 3.0802% | 3,721 |
| Loan and lease loss provision to assets | 0.2033% | 5,361 |
| Net operating income to assets | 1.4479% | 921 |
| Return on assets (ROA) | 1.4479% | 981 |
| Pretax return on assets | 1.4574% | 1,531 |
| Return on Equity (ROE) | 13.3343% | 1,040 |
| Retained earnings to average equity (ytd only) | -1.9422% | 5,714 |
| Net charge-offs to loans | 0.1558% | 5,151 |
| Credit loss provision to net charge-offs | 182.9787% | 2,493 |
| Earnings coverage of net charge-offs (x) | 14.9445% | 1,563 |
| Efficiency ratio | 64.9711% | 5,555 |
| Assets per employee ($millions) | 3.6168% | 4,641 |
| Cash dividends to net income (ytd only)* | 114.5659% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 3,836 |
| Loan loss allowance to noncurrent loans | 62.8941% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.8230% | 3,614 |
| Noncurrent loans to loans | 2.2588% | 3,315 |
| Net loans and leases to total assets | 68.2072% | 3,909 |
| Net loans and leases to deposits | 79.7049% | 4,441 |
| Net loans and leases to core deposits | 87.0140% | 5,755 |
| Total domestic deposits to total assets | 85.5746% | 2,931 |
| Equity capital to assets | 10.9941% | 3,010 |
| Core capital (leverage) ratio | 7.8774% | 6,534 |
| Tier 1 risk-based capital ratio | 10.1278% | 6,853 |
| Total risk-based capital ratio | 11.3785% | 6,803 |
| Memoranda: | ||
| Average total assets | $281,961,750 | 2,347 |
| Average earning assets | $251,034,750 | 2,414 |
| Average equity | $30,617,000 | 2,212 |
| Average total loans | $201,160,750 | 2,308 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5768% | 4,180 |
| Cost of funding earning assets | 1.3333% | 6,695 |
| Net interest margin | 4.2435% | 1,835 |
| Noninterest income to average assets | 0.9712% | 1,690 |
| Noninterest expense to average assets | 3.0485% | 3,882 |
| Loan and lease loss provision to assets | 0.1135% | 6,012 |
| Net operating income to assets | 1.5636% | 738 |
| Return on assets (ROA) | 1.5636% | 795 |
| Pretax return on assets | 1.5778% | 1,262 |
| Return on Equity (ROE) | 14.4600% | 915 |
| Retained earnings to average equity (ytd only) | -6.3771% | 6,498 |
| Net charge-offs to loans | 0.0492% | 5,788 |
| Credit loss provision to net charge-offs | 320.0000% | 1,457 |
| Earnings coverage of net charge-offs (x) | 47.6800% | 707 |
| Efficiency ratio | 64.3167% | 5,849 |
| Assets per employee ($millions) | 3.4875% | 4,844 |
| Cash dividends to net income (ytd only)* | 144.1016% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 3,961 |
| Loan loss allowance to noncurrent loans | 227.2189% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6935% | 5,678 |
| Noncurrent loans to loans | 0.5958% | 6,065 |
| Net loans and leases to total assets | 69.3353% | 3,870 |
| Net loans and leases to deposits | 80.6114% | 4,456 |
| Net loans and leases to core deposits | 88.0292% | 5,719 |
| Total domestic deposits to total assets | 86.0118% | 2,789 |
| Equity capital to assets | 10.7045% | 3,201 |
| Core capital (leverage) ratio | 7.5976% | 6,906 |
| Tier 1 risk-based capital ratio | 9.7930% | 7,144 |
| Total risk-based capital ratio | 11.0420% | 7,092 |
| Memoranda: | ||
| Average total assets | $281,911,000 | 2,365 |
| Average earning assets | $250,359,670 | 2,440 |
| Average equity | $30,484,000 | 2,233 |
| Average total loans | $203,149,330 | 2,317 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6039% | 4,332 |
| Cost of funding earning assets | 1.3717% | 6,810 |
| Net interest margin | 4.2322% | 1,796 |
| Noninterest income to average assets | 0.9090% | 1,814 |
| Noninterest expense to average assets | 2.9756% | 3,869 |
| Loan and lease loss provision to assets | 0.0426% | 6,438 |
| Net operating income to assets | 1.6135% | 768 |
| Return on assets (ROA) | 1.6135% | 841 |
| Pretax return on assets | 1.6419% | 1,311 |
| Return on Equity (ROE) | 14.8465% | 1,004 |
| Retained earnings to average equity (ytd only) | -22.3482% | 7,707 |
| Net charge-offs to loans | 0.0136% | 5,407 |
| Credit loss provision to net charge-offs | 428.5714% | 1,228 |
| Earnings coverage of net charge-offs (x) | 169.4286% | 255 |
| Efficiency ratio | 63.8525% | 5,718 |
| Assets per employee ($millions) | 3.5420% | 4,723 |
| Cash dividends to net income (ytd only)* | 250.5282% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 4,116 |
| Loan loss allowance to noncurrent loans | 219.6957% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.6935% | 5,425 |
| Noncurrent loans to loans | 0.5882% | 5,926 |
| Net loans and leases to total assets | 71.8627% | 3,271 |
| Net loans and leases to deposits | 83.7784% | 4,017 |
| Net loans and leases to core deposits | 91.5512% | 5,392 |
| Total domestic deposits to total assets | 85.7772% | 2,838 |
| Equity capital to assets | 10.7013% | 3,288 |
| Core capital (leverage) ratio | 7.3973% | 7,277 |
| Tier 1 risk-based capital ratio | 9.3614% | 7,540 |
| Total risk-based capital ratio | 10.5577% | 7,560 |
| Memoranda: | ||
| Average total assets | $281,622,500 | 2,380 |
| Average earning assets | $249,610,000 | 2,452 |
| Average equity | $30,606,500 | 2,216 |
| Average total loans | $205,448,000 | 2,310 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4734% | 3,100 |
| Cost of funding earning assets | 1.8393% | 6,902 |
| Net interest margin | 4.6341% | 1,085 |
| Noninterest income to average assets | 1.0604% | 1,398 |
| Noninterest expense to average assets | 2.8975% | 4,459 |
| Loan and lease loss provision to assets | 0.1571% | 5,360 |
| Net operating income to assets | 2.0698% | 308 |
| Return on assets (ROA) | 2.0701% | 289 |
| Pretax return on assets | 2.0796% | 510 |
| Return on Equity (ROE) | 18.7025% | 475 |
| Retained earnings to average equity (ytd only) | -2.0891% | 5,901 |
| Net charge-offs to loans | 0.0455% | 6,139 |
| Credit loss provision to net charge-offs | 477.7778% | 923 |
| Earnings coverage of net charge-offs (x) | 68.0222% | 599 |
| Efficiency ratio | 56.4394% | 6,951 |
| Assets per employee ($millions) | 3.7269% | 4,115 |
| Cash dividends to net income (ytd only)* | 111.1699% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 4,328 |
| Loan loss allowance to noncurrent loans | 255.3023% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.6074% | 5,375 |
| Noncurrent loans to loans | 0.4810% | 5,902 |
| Net loans and leases to total assets | 72.1965% | 3,537 |
| Net loans and leases to deposits | 84.3826% | 4,367 |
| Net loans and leases to core deposits | 91.4086% | 5,686 |
| Total domestic deposits to total assets | 85.5585% | 2,602 |
| Equity capital to assets | 11.0283% | 3,020 |
| Core capital (leverage) ratio | 8.3438% | 5,864 |
| Tier 1 risk-based capital ratio | 9.8461% | 6,907 |
| Total risk-based capital ratio | 10.9867% | 6,945 |
| Memoranda: | ||
| Average total assets | $273,752,200 | 2,353 |
| Average earning assets | $240,631,400 | 2,448 |
| Average equity | $30,300,800 | 2,237 |
| Average total loans | $197,998,200 | 2,318 |