Home > Copper Star Bank > Performance and Condition Ratios
Copper Star 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 | 4.1883% | 7,106 |
| Cost of funding earning assets | 2.4180% | 188 |
| Net interest margin | 1.7703% | 7,630 |
| Noninterest income to average assets | -1.4812% | 7,745 |
| Noninterest expense to average assets | 4.0608% | 971 |
| Loan and lease loss provision to assets | 6.8877% | 29 |
| Net operating income to assets | -10.9203% | 7,748 |
| Return on assets (ROA) | -10.9412% | 7,747 |
| Pretax return on assets | -10.9412% | 7,747 |
| Return on Equity (ROE) | -289.1783% | 7,754 |
| Retained earnings to average equity (ytd only) | -289.1783% | 7,754 |
| Net charge-offs to loans | 6.2636% | 86 |
| Credit loss provision to net charge-offs | 148.7346% | 2,625 |
| Earnings coverage of net charge-offs (x) | -0.8708% | 6,427 |
| Efficiency ratio | 14,386.9565% | 1 |
| Assets per employee ($millions) | 4.2491% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3978% | 91 |
| Loan loss allowance to noncurrent loans | 31.5744% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 26.4823% | 15 |
| Noncurrent loans to loans | 20.2626% | 70 |
| Net loans and leases to total assets | 63.0968% | 4,302 |
| Net loans and leases to deposits | 67.6662% | 5,468 |
| Net loans and leases to core deposits | 100.4465% | 1,811 |
| Total domestic deposits to total assets | 93.2470% | 91 |
| Equity capital to assets | -1.1542% | 7,757 |
| Core capital (leverage) ratio | -1.1681% | 7,756 |
| Tier 1 risk-based capital ratio | -1.4866% | 7,756 |
| Total risk-based capital ratio | -1.4866% | 7,756 |
| Memoranda: | ||
| Average total assets | $217,289,250 | 2,950 |
| Average earning assets | $185,272,000 | 3,107 |
| Average equity | $8,221,250 | 5,723 |
| Average total loans | $160,648,000 | 2,646 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3774% | 6,944 |
| Cost of funding earning assets | 2.3889% | 244 |
| Net interest margin | 1.9885% | 7,647 |
| Noninterest income to average assets | -0.7631% | 7,778 |
| Noninterest expense to average assets | 3.8524% | 1,263 |
| Loan and lease loss provision to assets | 4.0120% | 190 |
| Net operating income to assets | -6.9029% | 7,768 |
| Return on assets (ROA) | -6.9335% | 7,775 |
| Pretax return on assets | -6.9335% | 7,762 |
| Return on Equity (ROE) | -130.8834% | 7,770 |
| Retained earnings to average equity (ytd only) | -130.8834% | 7,770 |
| Net charge-offs to loans | 1.4931% | 1,283 |
| Credit loss provision to net charge-offs | 353.8584% | 1,032 |
| Earnings coverage of net charge-offs (x) | -2.5497% | 6,240 |
| Efficiency ratio | 400.6567% | 22 |
| Assets per employee ($millions) | 4.3493% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2296% | 150 |
| Loan loss allowance to noncurrent loans | 20.9211% | 6,896 |
| Noncurrent assets plus other real estate owned to assets | 28.0252% | 12 |
| Noncurrent loans to loans | 24.9967% | 30 |
| Net loans and leases to total assets | 73.4576% | 2,044 |
| Net loans and leases to deposits | 80.1382% | 3,573 |
| Net loans and leases to core deposits | 158.8228% | 170 |
| Total domestic deposits to total assets | 91.6636% | 302 |
| Equity capital to assets | 3.8055% | 7,706 |
| Core capital (leverage) ratio | 3.6700% | 7,701 |
| Tier 1 risk-based capital ratio | 4.4998% | 7,725 |
| Total risk-based capital ratio | 5.7946% | 7,729 |
| Memoranda: | ||
| Average total assets | $221,734,000 | 2,916 |
| Average earning assets | $192,306,670 | 3,035 |
| Average equity | $11,746,330 | 4,748 |
| Average total loans | $168,369,000 | 2,574 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9382% | 7,502 |
| Cost of funding earning assets | 2.4160% | 286 |
| Net interest margin | 1.5221% | 7,829 |
| Noninterest income to average assets | -0.3906% | 7,845 |
| Noninterest expense to average assets | 3.5452% | 1,862 |
| Loan and lease loss provision to assets | 1.9862% | 558 |
| Net operating income to assets | -4.5887% | 7,758 |
| Return on assets (ROA) | -4.7154% | 7,772 |
| Pretax return on assets | -4.7154% | 7,740 |
| Return on Equity (ROE) | -79.1260% | 7,797 |
| Retained earnings to average equity (ytd only) | -79.1260% | 7,792 |
| Net charge-offs to loans | 0.3346% | 3,073 |
| Credit loss provision to net charge-offs | 788.9655% | 577 |
| Earnings coverage of net charge-offs (x) | -10.3379% | 5,560 |
| Efficiency ratio | 376.0589% | 27 |
| Assets per employee ($millions) | 4.5786% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6593% | 483 |
| Loan loss allowance to noncurrent loans | 15.0916% | 7,201 |
| Noncurrent assets plus other real estate owned to assets | 25.9790% | 21 |
| Noncurrent loans to loans | 24.2469% | 41 |
| Net loans and leases to total assets | 74.6553% | 1,816 |
| Net loans and leases to deposits | 84.4831% | 2,861 |
| Net loans and leases to core deposits | 167.2302% | 165 |
| Total domestic deposits to total assets | 88.3672% | 1,869 |
| Equity capital to assets | 5.8947% | 7,631 |
| Core capital (leverage) ratio | 5.5214% | 7,650 |
| Tier 1 risk-based capital ratio | 6.9479% | 7,700 |
| Total risk-based capital ratio | 8.2242% | 7,702 |
| Memoranda: | ||
| Average total assets | $230,393,000 | 2,874 |
| Average earning assets | $201,820,500 | 2,967 |
| Average equity | $13,730,000 | 4,305 |
| Average total loans | $173,331,000 | 2,563 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0686% | 6,199 |
| Cost of funding earning assets | 2.7940% | 453 |
| Net interest margin | 2.2746% | 7,607 |
| Noninterest income to average assets | 0.0765% | 7,368 |
| Noninterest expense to average assets | 2.8970% | 4,537 |
| Loan and lease loss provision to assets | 1.8277% | 1,232 |
| Net operating income to assets | -2.6859% | 7,316 |
| Return on assets (ROA) | -2.4237% | 7,248 |
| Pretax return on assets | -2.3060% | 7,068 |
| Return on Equity (ROE) | -33.3154% | 7,465 |
| Retained earnings to average equity (ytd only) | -33.3154% | 7,449 |
| Net charge-offs to loans | 3.4248% | 575 |
| Credit loss provision to net charge-offs | 70.4879% | 6,481 |
| Earnings coverage of net charge-offs (x) | -0.2856% | 6,533 |
| Efficiency ratio | 134.3438% | 432 |
| Assets per employee ($millions) | 5.1165% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8276% | 908 |
| Loan loss allowance to noncurrent loans | 15.8765% | 7,217 |
| Noncurrent assets plus other real estate owned to assets | 16.5990% | 104 |
| Noncurrent loans to loans | 17.8098% | 106 |
| Net loans and leases to total assets | 71.1828% | 2,956 |
| Net loans and leases to deposits | 83.9544% | 3,281 |
| Net loans and leases to core deposits | 141.7624% | 744 |
| Total domestic deposits to total assets | 84.7874% | 3,660 |
| Equity capital to assets | 6.0161% | 7,664 |
| Core capital (leverage) ratio | 6.1649% | 7,594 |
| Tier 1 risk-based capital ratio | 7.9200% | 7,664 |
| Total risk-based capital ratio | 9.1880% | 7,669 |
| Memoranda: | ||
| Average total assets | $260,058,800 | 2,514 |
| Average earning assets | $237,796,000 | 2,524 |
| Average equity | $18,919,200 | 3,352 |
| Average total loans | $196,884,600 | 2,320 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2120% | 5,832 |
| Cost of funding earning assets | 2.8351% | 546 |
| Net interest margin | 2.3769% | 7,582 |
| Noninterest income to average assets | 0.0789% | 7,508 |
| Noninterest expense to average assets | 2.8797% | 4,539 |
| Loan and lease loss provision to assets | 1.8765% | 980 |
| Net operating income to assets | -2.8504% | 7,558 |
| Return on assets (ROA) | -2.6289% | 7,501 |
| Pretax return on assets | -2.2734% | 7,274 |
| Return on Equity (ROE) | -34.7369% | 7,699 |
| Retained earnings to average equity (ytd only) | -34.7369% | 7,690 |
| Net charge-offs to loans | 2.9493% | 577 |
| Credit loss provision to net charge-offs | 83.4120% | 5,664 |
| Earnings coverage of net charge-offs (x) | -0.2749% | 6,340 |
| Efficiency ratio | 127.3479% | 499 |
| Assets per employee ($millions) | 5.1569% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3252% | 492 |
| Loan loss allowance to noncurrent loans | 18.7176% | 7,157 |
| Noncurrent assets plus other real estate owned to assets | 16.0070% | 99 |
| Noncurrent loans to loans | 17.7653% | 92 |
| Net loans and leases to total assets | 74.2656% | 2,452 |
| Net loans and leases to deposits | 88.3080% | 2,906 |
| Net loans and leases to core deposits | 151.1689% | 557 |
| Total domestic deposits to total assets | 84.0984% | 3,679 |
| Equity capital to assets | 6.6715% | 7,719 |
| Core capital (leverage) ratio | 6.3861% | 7,707 |
| Tier 1 risk-based capital ratio | 8.3134% | 7,752 |
| Total risk-based capital ratio | 9.5884% | 7,773 |
| Memoranda: | ||
| Average total assets | $263,675,250 | 2,495 |
| Average earning assets | $242,101,250 | 2,496 |
| Average equity | $19,955,250 | 3,239 |
| Average total loans | $201,129,000 | 2,310 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3300% | 5,501 |
| Cost of funding earning assets | 2.8662% | 660 |
| Net interest margin | 2.4639% | 7,514 |
| Noninterest income to average assets | 0.0758% | 7,607 |
| Noninterest expense to average assets | 2.7050% | 5,367 |
| Loan and lease loss provision to assets | 0.0141% | 7,079 |
| Net operating income to assets | -0.3497% | 6,396 |
| Return on assets (ROA) | -0.1368% | 6,108 |
| Pretax return on assets | -0.1472% | 6,062 |
| Return on Equity (ROE) | -1.7439% | 6,181 |
| Retained earnings to average equity (ytd only) | -1.7439% | 5,681 |
| Net charge-offs to loans | 1.5802% | 1,196 |
| Credit loss provision to net charge-offs | 1.1743% | 6,234 |
| Earnings coverage of net charge-offs (x) | -0.3010% | 5,954 |
| Efficiency ratio | 115.4505% | 744 |
| Assets per employee ($millions) | 4.9577% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7605% | 704 |
| Loan loss allowance to noncurrent loans | 50.1508% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 6.1749% | 773 |
| Noncurrent loans to loans | 5.5045% | 1,056 |
| Net loans and leases to total assets | 73.5717% | 2,823 |
| Net loans and leases to deposits | 88.2237% | 3,138 |
| Net loans and leases to core deposits | 155.9650% | 522 |
| Total domestic deposits to total assets | 83.3922% | 4,072 |
| Equity capital to assets | 7.9914% | 6,758 |
| Core capital (leverage) ratio | 7.6676% | 6,804 |
| Tier 1 risk-based capital ratio | 9.7520% | 7,180 |
| Total risk-based capital ratio | 11.0210% | 7,108 |
| Memoranda: | ||
| Average total assets | $269,057,330 | 2,450 |
| Average earning assets | $247,578,330 | 2,457 |
| Average equity | $21,102,330 | 3,085 |
| Average total loans | $204,788,000 | 2,299 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3754% | 5,548 |
| Cost of funding earning assets | 2.9828% | 629 |
| Net interest margin | 2.3926% | 7,623 |
| Noninterest income to average assets | 0.0588% | 7,781 |
| Noninterest expense to average assets | 2.6362% | 5,292 |
| Loan and lease loss provision to assets | 0.0279% | 6,577 |
| Net operating income to assets | -0.2502% | 6,617 |
| Return on assets (ROA) | 0.0103% | 6,386 |
| Pretax return on assets | 0.0235% | 6,334 |
| Return on Equity (ROE) | 0.1324% | 6,381 |
| Retained earnings to average equity (ytd only) | 0.1324% | 5,606 |
| Net charge-offs to loans | 0.2156% | 3,350 |
| Credit loss provision to net charge-offs | 16.9643% | 5,112 |
| Earnings coverage of net charge-offs (x) | -2.1607% | 5,479 |
| Efficiency ratio | 115.5928% | 700 |
| Assets per employee ($millions) | 4.8800% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3451% | 361 |
| Loan loss allowance to noncurrent loans | 48.5625% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 5.7493% | 714 |
| Noncurrent loans to loans | 6.8883% | 595 |
| Net loans and leases to total assets | 75.2823% | 2,433 |
| Net loans and leases to deposits | 91.0610% | 2,763 |
| Net loans and leases to core deposits | 157.5493% | 535 |
| Total domestic deposits to total assets | 82.6724% | 4,299 |
| Equity capital to assets | 7.8510% | 7,005 |
| Core capital (leverage) ratio | 7.4505% | 7,218 |
| Tier 1 risk-based capital ratio | 9.3674% | 7,533 |
| Total risk-based capital ratio | 10.6420% | 7,473 |
| Memoranda: | ||
| Average total assets | $272,208,000 | 2,444 |
| Average earning assets | $252,782,500 | 2,425 |
| Average equity | $21,154,500 | 3,099 |
| Average total loans | $207,781,000 | 2,293 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9849% | 1,174 |
| Cost of funding earning assets | 3.4466% | 614 |
| Net interest margin | 3.5383% | 5,155 |
| Noninterest income to average assets | 0.1148% | 7,546 |
| Noninterest expense to average assets | 3.0607% | 3,859 |
| Loan and lease loss provision to assets | 2.7532% | 352 |
| Net operating income to assets | -1.4864% | 7,457 |
| Return on assets (ROA) | -1.3703% | 7,358 |
| Pretax return on assets | -2.2366% | 7,518 |
| Return on Equity (ROE) | -15.7880% | 7,621 |
| Retained earnings to average equity (ytd only) | -16.7716% | 7,559 |
| Net charge-offs to loans | 1.1651% | 1,042 |
| Credit loss provision to net charge-offs | 295.6266% | 1,532 |
| Earnings coverage of net charge-offs (x) | 0.3600% | 6,016 |
| Efficiency ratio | 90.1280% | 1,504 |
| Assets per employee ($millions) | 4.6003% | 2,474 |
| Cash dividends to net income (ytd only)* | -6.2304% | 7,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3228% | 327 |
| Loan loss allowance to noncurrent loans | 60.5970% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 4.3316% | 897 |
| Noncurrent loans to loans | 5.4835% | 748 |
| Net loans and leases to total assets | 72.3325% | 3,514 |
| Net loans and leases to deposits | 88.8143% | 3,661 |
| Net loans and leases to core deposits | 155.7466% | 675 |
| Total domestic deposits to total assets | 81.4424% | 4,440 |
| Equity capital to assets | 7.6941% | 7,208 |
| Core capital (leverage) ratio | 7.4300% | 7,283 |
| Tier 1 risk-based capital ratio | 9.1245% | 7,688 |
| Total risk-based capital ratio | 10.3994% | 7,632 |
| Memoranda: | ||
| Average total assets | $255,337,400 | 2,506 |
| Average earning assets | $236,781,000 | 2,483 |
| Average equity | $22,162,400 | 2,957 |
| Average total loans | $204,096,000 | 2,259 |