Home > Connecticut River Community Bank > Performance and Condition Ratios
Connecticut River Community Bank, Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6818% | 1,770 |
| Cost of funding earning assets | 1.8754% | 1,111 |
| Net interest margin | 3.8065% | 3,947 |
| Noninterest income to average assets | 0.2334% | 6,215 |
| Noninterest expense to average assets | 2.9602% | 3,886 |
| Loan and lease loss provision to assets | 0.7026% | 2,183 |
| Net operating income to assets | 0.1143% | 5,738 |
| Return on assets (ROA) | 0.1306% | 5,853 |
| Pretax return on assets | 0.2357% | 5,649 |
| Return on Equity (ROE) | 1.6079% | 5,735 |
| Retained earnings to average equity (ytd only) | 1.6079% | 5,150 |
| Net charge-offs to loans | 1.0520% | 1,926 |
| Credit loss provision to net charge-offs | 87.0690% | 4,884 |
| Earnings coverage of net charge-offs (x) | 1.1312% | 4,921 |
| Efficiency ratio | 76.4318% | 2,868 |
| Assets per employee ($millions) | 5.5212% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6987% | 3,155 |
| Loan loss allowance to noncurrent loans | 47.6356% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 2.8859% | 2,517 |
| Noncurrent loans to loans | 3.5661% | 2,199 |
| Net loans and leases to total assets | 76.7205% | 1,275 |
| Net loans and leases to deposits | 97.6666% | 822 |
| Net loans and leases to core deposits | 104.4311% | 1,443 |
| Total domestic deposits to total assets | 78.5534% | 6,134 |
| Equity capital to assets | 8.5368% | 6,235 |
| Core capital (leverage) ratio | 8.0307% | 6,299 |
| Tier 1 risk-based capital ratio | 10.5275% | 6,755 |
| Total risk-based capital ratio | 11.7904% | 6,733 |
| Memoranda: | ||
| Average total assets | $172,508,000 | 3,533 |
| Average earning assets | $164,942,500 | 3,401 |
| Average equity | $14,014,000 | 4,196 |
| Average total loans | $132,316,000 | 3,138 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6295% | 2,026 |
| Cost of funding earning assets | 1.8985% | 1,243 |
| Net interest margin | 3.7310% | 4,227 |
| Noninterest income to average assets | 0.2323% | 6,250 |
| Noninterest expense to average assets | 2.8181% | 4,401 |
| Loan and lease loss provision to assets | 0.7288% | 1,999 |
| Net operating income to assets | 0.1326% | 5,777 |
| Return on assets (ROA) | 0.1568% | 5,820 |
| Pretax return on assets | 0.2872% | 5,534 |
| Return on Equity (ROE) | 1.9611% | 5,645 |
| Retained earnings to average equity (ytd only) | 1.9611% | 4,886 |
| Net charge-offs to loans | 0.8130% | 2,214 |
| Credit loss provision to net charge-offs | 117.5277% | 3,456 |
| Earnings coverage of net charge-offs (x) | 1.5775% | 4,309 |
| Efficiency ratio | 74.2315% | 3,430 |
| Assets per employee ($millions) | 5.2866% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8448% | 2,585 |
| Loan loss allowance to noncurrent loans | 43.0906% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 3.2271% | 2,183 |
| Noncurrent loans to loans | 4.2812% | 1,733 |
| Net loans and leases to total assets | 73.9876% | 1,912 |
| Net loans and leases to deposits | 93.8947% | 1,290 |
| Net loans and leases to core deposits | 101.7628% | 1,848 |
| Total domestic deposits to total assets | 78.7985% | 6,085 |
| Equity capital to assets | 8.1114% | 6,644 |
| Core capital (leverage) ratio | 7.8179% | 6,477 |
| Tier 1 risk-based capital ratio | 10.2032% | 6,912 |
| Total risk-based capital ratio | 11.4673% | 6,875 |
| Memoranda: | ||
| Average total assets | $174,799,000 | 3,524 |
| Average earning assets | $166,978,000 | 3,388 |
| Average equity | $13,972,000 | 4,208 |
| Average total loans | $133,330,670 | 3,146 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7555% | 1,607 |
| Cost of funding earning assets | 1.8993% | 1,449 |
| Net interest margin | 3.8562% | 3,532 |
| Noninterest income to average assets | 0.2538% | 6,120 |
| Noninterest expense to average assets | 2.8096% | 4,450 |
| Loan and lease loss provision to assets | 0.7567% | 1,681 |
| Net operating income to assets | 0.1963% | 5,704 |
| Return on assets (ROA) | 0.2446% | 5,645 |
| Pretax return on assets | 0.4435% | 5,150 |
| Return on Equity (ROE) | 3.0830% | 5,298 |
| Retained earnings to average equity (ytd only) | 3.0830% | 4,289 |
| Net charge-offs to loans | 0.1847% | 3,814 |
| Credit loss provision to net charge-offs | 533.8710% | 794 |
| Earnings coverage of net charge-offs (x) | 7.9355% | 2,016 |
| Efficiency ratio | 71.4120% | 4,044 |
| Assets per employee ($millions) | 5.3076% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9403% | 2,333 |
| Loan loss allowance to noncurrent loans | 72.8495% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 2.1347% | 3,340 |
| Noncurrent loans to loans | 2.6634% | 3,007 |
| Net loans and leases to total assets | 75.0214% | 1,740 |
| Net loans and leases to deposits | 96.0849% | 1,094 |
| Net loans and leases to core deposits | 104.6478% | 1,690 |
| Total domestic deposits to total assets | 78.0782% | 6,296 |
| Equity capital to assets | 7.9783% | 6,677 |
| Core capital (leverage) ratio | 7.8764% | 6,408 |
| Tier 1 risk-based capital ratio | 9.9225% | 7,084 |
| Total risk-based capital ratio | 11.1354% | 7,096 |
| Memoranda: | ||
| Average total assets | $174,969,000 | 3,578 |
| Average earning assets | $167,005,500 | 3,447 |
| Average equity | $13,882,500 | 4,267 |
| Average total loans | $134,244,000 | 3,183 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9866% | 1,921 |
| Cost of funding earning assets | 2.5307% | 947 |
| Net interest margin | 3.4560% | 5,145 |
| Noninterest income to average assets | 0.2669% | 6,203 |
| Noninterest expense to average assets | 2.6749% | 5,502 |
| Loan and lease loss provision to assets | 1.3710% | 1,678 |
| Net operating income to assets | -0.3043% | 5,977 |
| Return on assets (ROA) | -0.0846% | 5,665 |
| Pretax return on assets | -0.1250% | 5,623 |
| Return on Equity (ROE) | -1.0960% | 5,704 |
| Retained earnings to average equity (ytd only) | -1.0960% | 5,282 |
| Net charge-offs to loans | 1.6882% | 1,491 |
| Credit loss provision to net charge-offs | 110.3206% | 4,989 |
| Earnings coverage of net charge-offs (x) | 0.7426% | 5,356 |
| Efficiency ratio | 74.3477% | 3,825 |
| Assets per employee ($millions) | 5.4621% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 2,772 |
| Loan loss allowance to noncurrent loans | 57.5840% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 2.3159% | 2,985 |
| Noncurrent loans to loans | 3.0099% | 2,562 |
| Net loans and leases to total assets | 75.6099% | 1,900 |
| Net loans and leases to deposits | 99.5908% | 940 |
| Net loans and leases to core deposits | 131.1029% | 1,223 |
| Total domestic deposits to total assets | 75.9205% | 6,695 |
| Equity capital to assets | 7.8901% | 6,684 |
| Core capital (leverage) ratio | 7.5046% | 6,784 |
| Tier 1 risk-based capital ratio | 9.8109% | 7,014 |
| Total risk-based capital ratio | 11.0642% | 6,991 |
| Memoranda: | ||
| Average total assets | $183,224,600 | 3,382 |
| Average earning assets | $176,593,000 | 3,259 |
| Average equity | $14,142,600 | 4,220 |
| Average total loans | $134,875,800 | 3,174 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9664% | 2,165 |
| Cost of funding earning assets | 2.6318% | 947 |
| Net interest margin | 3.3346% | 5,514 |
| Noninterest income to average assets | 0.2619% | 6,359 |
| Noninterest expense to average assets | 2.7309% | 5,189 |
| Loan and lease loss provision to assets | 0.8755% | 2,193 |
| Net operating income to assets | -0.0839% | 5,864 |
| Return on assets (ROA) | 0.0432% | 5,655 |
| Pretax return on assets | 0.0727% | 5,578 |
| Return on Equity (ROE) | 0.5622% | 5,629 |
| Retained earnings to average equity (ytd only) | 0.5622% | 4,971 |
| Net charge-offs to loans | 0.6875% | 2,634 |
| Credit loss provision to net charge-offs | 174.8563% | 2,649 |
| Earnings coverage of net charge-offs (x) | 1.4971% | 4,662 |
| Efficiency ratio | 78.4622% | 3,089 |
| Assets per employee ($millions) | 5.7480% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 2,006 |
| Loan loss allowance to noncurrent loans | 93.0985% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 1.5282% | 4,075 |
| Noncurrent loans to loans | 2.0522% | 3,563 |
| Net loans and leases to total assets | 73.0446% | 2,778 |
| Net loans and leases to deposits | 93.5940% | 1,949 |
| Net loans and leases to core deposits | 126.0186% | 1,730 |
| Total domestic deposits to total assets | 78.0441% | 6,077 |
| Equity capital to assets | 7.7586% | 7,082 |
| Core capital (leverage) ratio | 7.3431% | 7,143 |
| Tier 1 risk-based capital ratio | 9.7432% | 7,196 |
| Total risk-based capital ratio | 11.0006% | 7,155 |
| Memoranda: | ||
| Average total assets | $185,333,750 | 3,381 |
| Average earning assets | $178,886,250 | 3,254 |
| Average equity | $14,230,500 | 4,236 |
| Average total loans | $134,972,750 | 3,208 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9406% | 2,417 |
| Cost of funding earning assets | 2.7384% | 939 |
| Net interest margin | 3.2022% | 5,907 |
| Noninterest income to average assets | 0.2282% | 6,649 |
| Noninterest expense to average assets | 2.7094% | 5,351 |
| Loan and lease loss provision to assets | 0.5285% | 2,909 |
| Net operating income to assets | 0.0441% | 5,720 |
| Return on assets (ROA) | 0.0441% | 5,814 |
| Pretax return on assets | 0.0818% | 5,712 |
| Return on Equity (ROE) | 0.5768% | 5,765 |
| Retained earnings to average equity (ytd only) | 0.5768% | 4,965 |
| Net charge-offs to loans | 0.7401% | 2,199 |
| Credit loss provision to net charge-offs | 98.7928% | 4,654 |
| Earnings coverage of net charge-offs (x) | 1.1408% | 4,669 |
| Efficiency ratio | 81.6148% | 2,776 |
| Assets per employee ($millions) | 5.8721% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 2,959 |
| Loan loss allowance to noncurrent loans | 102.2005% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 1.0553% | 4,857 |
| Noncurrent loans to loans | 1.5157% | 4,220 |
| Net loans and leases to total assets | 68.5496% | 4,063 |
| Net loans and leases to deposits | 88.6169% | 3,067 |
| Net loans and leases to core deposits | 117.0983% | 2,619 |
| Total domestic deposits to total assets | 77.3550% | 6,239 |
| Equity capital to assets | 7.3620% | 7,375 |
| Core capital (leverage) ratio | 7.2520% | 7,303 |
| Tier 1 risk-based capital ratio | 9.4709% | 7,415 |
| Total risk-based capital ratio | 10.7296% | 7,363 |
| Memoranda: | ||
| Average total assets | $185,799,330 | 3,395 |
| Average earning assets | $179,376,000 | 3,266 |
| Average equity | $14,217,000 | 4,259 |
| Average total loans | $134,306,000 | 3,261 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9983% | 2,373 |
| Cost of funding earning assets | 2.8351% | 902 |
| Net interest margin | 3.1633% | 5,972 |
| Noninterest income to average assets | 0.1760% | 7,048 |
| Noninterest expense to average assets | 2.5675% | 5,582 |
| Loan and lease loss provision to assets | 0.5500% | 2,273 |
| Net operating income to assets | 0.0660% | 6,077 |
| Return on assets (ROA) | 0.0660% | 6,236 |
| Pretax return on assets | 0.1122% | 6,138 |
| Return on Equity (ROE) | 0.8455% | 6,176 |
| Retained earnings to average equity (ytd only) | 0.8455% | 5,322 |
| Net charge-offs to loans | 0.0597% | 4,630 |
| Credit loss provision to net charge-offs | 1,250.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 15.0500% | 1,627 |
| Efficiency ratio | 79.4959% | 2,912 |
| Assets per employee ($millions) | 6.0612% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7248% | 2,062 |
| Loan loss allowance to noncurrent loans | 88.6433% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.3965% | 3,853 |
| Noncurrent loans to loans | 1.9458% | 3,348 |
| Net loans and leases to total assets | 70.5317% | 3,570 |
| Net loans and leases to deposits | 91.9197% | 2,615 |
| Net loans and leases to core deposits | 122.8296% | 2,184 |
| Total domestic deposits to total assets | 76.7319% | 6,352 |
| Equity capital to assets | 7.6026% | 7,258 |
| Core capital (leverage) ratio | 7.5439% | 7,100 |
| Tier 1 risk-based capital ratio | 9.7309% | 7,221 |
| Total risk-based capital ratio | 10.9927% | 7,117 |
| Memoranda: | ||
| Average total assets | $181,810,000 | 3,479 |
| Average earning assets | $175,515,500 | 3,346 |
| Average equity | $14,192,500 | 4,296 |
| Average total loans | $133,997,000 | 3,288 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5068% | 2,924 |
| Cost of funding earning assets | 3.2085% | 1,163 |
| Net interest margin | 3.2982% | 6,040 |
| Noninterest income to average assets | 0.1478% | 7,358 |
| Noninterest expense to average assets | 2.5375% | 5,866 |
| Loan and lease loss provision to assets | 0.4061% | 3,250 |
| Net operating income to assets | 0.2456% | 5,722 |
| Return on assets (ROA) | 0.2565% | 5,502 |
| Pretax return on assets | 0.3872% | 5,298 |
| Return on Equity (ROE) | 3.0638% | 5,211 |
| Retained earnings to average equity (ytd only) | 3.0638% | 3,256 |
| Net charge-offs to loans | 0.0788% | 5,635 |
| Credit loss provision to net charge-offs | 685.5670% | 617 |
| Earnings coverage of net charge-offs (x) | 13.1134% | 2,168 |
| Efficiency ratio | 76.5616% | 3,143 |
| Assets per employee ($millions) | 6.0594% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 2,346 |
| Loan loss allowance to noncurrent loans | 202.5121% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 5,314 |
| Noncurrent loans to loans | 0.7774% | 5,087 |
| Net loans and leases to total assets | 74.5748% | 2,969 |
| Net loans and leases to deposits | 97.8437% | 2,147 |
| Net loans and leases to core deposits | 128.3019% | 1,981 |
| Total domestic deposits to total assets | 76.2183% | 6,186 |
| Equity capital to assets | 8.0240% | 6,812 |
| Core capital (leverage) ratio | 7.9672% | 6,545 |
| Tier 1 risk-based capital ratio | 10.0234% | 6,707 |
| Total risk-based capital ratio | 11.2842% | 6,577 |
| Memoranda: | ||
| Average total assets | $163,741,600 | 3,649 |
| Average earning assets | $157,205,800 | 3,525 |
| Average equity | $13,708,400 | 4,399 |
| Average total loans | $123,100,400 | 3,395 |