Home > Cortez Community Bank > Performance and Condition Ratios
Cortez Community Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4073% | 7,261 |
| Cost of funding earning assets | 1.9230% | 226 |
| Net interest margin | 1.4843% | 7,505 |
| Noninterest income to average assets | 0.6005% | 3,163 |
| Noninterest expense to average assets | 5.9181% | 203 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -4.0610% | 7,447 |
| Return on assets (ROA) | -2.8476% | 7,384 |
| Pretax return on assets | -2.8476% | 7,361 |
| Return on Equity (ROE) | 30.4661% | 75 |
| Retained earnings to average equity (ytd only) | 30.4661% | 53 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 318.6667% | 26 |
| Assets per employee ($millions) | 3.3141% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.5630% | 10 |
| Loan loss allowance to noncurrent loans | 47.9097% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 26.1881% | 20 |
| Noncurrent loans to loans | 30.3966% | 11 |
| Net loans and leases to total assets | 55.9926% | 4,994 |
| Net loans and leases to deposits | 56.7139% | 6,061 |
| Net loans and leases to core deposits | 63.1410% | 5,816 |
| Total domestic deposits to total assets | 98.7282% | 3 |
| Equity capital to assets | -9.6150% | 7,574 |
| Core capital (leverage) ratio | -9.6048% | 7,574 |
| Tier 1 risk-based capital ratio | -14.8857% | 7,574 |
| Total risk-based capital ratio | -14.8857% | 7,574 |
| Memoranda: | ||
| Average total assets | $64,615,000 | 6,041 |
| Average earning assets | $54,706,500 | 6,179 |
| Average equity | $-6,039,500 | 7,573 |
| Average total loans | $45,361,500 | 5,593 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6546% | 7,324 |
| Cost of funding earning assets | 1.7877% | 1,220 |
| Net interest margin | 1.8670% | 7,493 |
| Noninterest income to average assets | 0.2246% | 6,199 |
| Noninterest expense to average assets | 6.6576% | 177 |
| Loan and lease loss provision to assets | 17.6581% | 1 |
| Net operating income to assets | -22.4397% | 7,656 |
| Return on assets (ROA) | -22.4345% | 7,656 |
| Pretax return on assets | -22.4345% | 7,656 |
| Return on Equity (ROE) | -263.2220% | 7,654 |
| Retained earnings to average equity (ytd only) | -263.2220% | 7,654 |
| Net charge-offs to loans | 15.4100% | 5 |
| Credit loss provision to net charge-offs | 157.7476% | 2,233 |
| Earnings coverage of net charge-offs (x) | -0.4272% | 6,416 |
| Efficiency ratio | 354.8789% | 22 |
| Assets per employee ($millions) | 3.3131% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.3787% | 10 |
| Loan loss allowance to noncurrent loans | 49.9250% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 23.8641% | 38 |
| Noncurrent loans to loans | 26.7976% | 26 |
| Net loans and leases to total assets | 65.0664% | 3,653 |
| Net loans and leases to deposits | 66.6602% | 5,312 |
| Net loans and leases to core deposits | 77.5955% | 4,511 |
| Total domestic deposits to total assets | 97.6091% | 8 |
| Equity capital to assets | -9.0646% | 7,658 |
| Core capital (leverage) ratio | -7.5083% | 7,658 |
| Tier 1 risk-based capital ratio | -13.3549% | 7,658 |
| Total risk-based capital ratio | -13.3549% | 7,658 |
| Memoranda: | ||
| Average total assets | $77,024,200 | 5,678 |
| Average earning assets | $68,132,400 | 5,728 |
| Average equity | $6,564,800 | 6,181 |
| Average total loans | $55,950,800 | 5,238 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5876% | 7,500 |
| Cost of funding earning assets | 1.7341% | 1,706 |
| Net interest margin | 1.8535% | 7,617 |
| Noninterest income to average assets | 0.2119% | 6,396 |
| Noninterest expense to average assets | 4.2030% | 821 |
| Loan and lease loss provision to assets | 5.0837% | 82 |
| Net operating income to assets | -7.4294% | 7,722 |
| Return on assets (ROA) | -7.4227% | 7,725 |
| Pretax return on assets | -7.4227% | 7,722 |
| Return on Equity (ROE) | -62.0661% | 7,608 |
| Retained earnings to average equity (ytd only) | -62.0661% | 7,607 |
| Net charge-offs to loans | 7.9676% | 44 |
| Credit loss provision to net charge-offs | 88.4250% | 4,828 |
| Earnings coverage of net charge-offs (x) | -0.4080% | 6,293 |
| Efficiency ratio | 226.2923% | 55 |
| Assets per employee ($millions) | 4.5606% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7665% | 2,910 |
| Loan loss allowance to noncurrent loans | 6.5529% | 7,218 |
| Noncurrent assets plus other real estate owned to assets | 23.4155% | 31 |
| Noncurrent loans to loans | 26.9567% | 22 |
| Net loans and leases to total assets | 67.7828% | 3,271 |
| Net loans and leases to deposits | 83.2507% | 2,851 |
| Net loans and leases to core deposits | 106.2322% | 1,306 |
| Total domestic deposits to total assets | 81.4201% | 5,233 |
| Equity capital to assets | 9.1990% | 5,311 |
| Core capital (leverage) ratio | 8.6087% | 5,334 |
| Tier 1 risk-based capital ratio | 12.0301% | 5,431 |
| Total risk-based capital ratio | 13.2867% | 5,395 |
| Memoranda: | ||
| Average total assets | $80,543,250 | 5,649 |
| Average earning assets | $71,503,750 | 5,683 |
| Average equity | $9,632,500 | 5,310 |
| Average total loans | $58,117,500 | 5,226 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6196% | 7,565 |
| Cost of funding earning assets | 1.7054% | 2,093 |
| Net interest margin | 1.9141% | 7,665 |
| Noninterest income to average assets | 0.2085% | 6,426 |
| Noninterest expense to average assets | 4.3140% | 713 |
| Loan and lease loss provision to assets | 4.2993% | 163 |
| Net operating income to assets | -6.6955% | 7,759 |
| Return on assets (ROA) | -6.6857% | 7,762 |
| Pretax return on assets | -6.6857% | 7,751 |
| Return on Equity (ROE) | -52.0925% | 7,619 |
| Retained earnings to average equity (ytd only) | -52.0925% | 7,615 |
| Net charge-offs to loans | 6.8390% | 91 |
| Credit loss provision to net charge-offs | 85.9314% | 4,549 |
| Earnings coverage of net charge-offs (x) | -0.4789% | 6,009 |
| Efficiency ratio | 224.9361% | 69 |
| Assets per employee ($millions) | 4.4781% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8242% | 2,654 |
| Loan loss allowance to noncurrent loans | 6.3913% | 7,299 |
| Noncurrent assets plus other real estate owned to assets | 22.9946% | 34 |
| Noncurrent loans to loans | 28.5417% | 24 |
| Net loans and leases to total assets | 70.7739% | 2,719 |
| Net loans and leases to deposits | 92.8062% | 1,417 |
| Net loans and leases to core deposits | 130.3329% | 414 |
| Total domestic deposits to total assets | 76.2598% | 6,637 |
| Equity capital to assets | 11.0488% | 2,808 |
| Core capital (leverage) ratio | 10.6204% | 2,526 |
| Tier 1 risk-based capital ratio | 14.1350% | 3,643 |
| Total risk-based capital ratio | 15.3913% | 3,599 |
| Memoranda: | ||
| Average total assets | $81,547,670 | 5,646 |
| Average earning assets | $72,826,670 | 5,678 |
| Average equity | $10,466,000 | 5,071 |
| Average total loans | $59,657,670 | 5,194 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5098% | 7,702 |
| Cost of funding earning assets | 1.6784% | 2,490 |
| Net interest margin | 1.8314% | 7,768 |
| Noninterest income to average assets | 0.2292% | 6,315 |
| Noninterest expense to average assets | 4.8087% | 428 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -2.9457% | 7,633 |
| Return on assets (ROA) | -2.9457% | 7,628 |
| Pretax return on assets | -2.9457% | 7,590 |
| Return on Equity (ROE) | -21.4832% | 7,462 |
| Retained earnings to average equity (ytd only) | -21.4832% | 7,406 |
| Net charge-offs to loans | 2.6807% | 605 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -1.4914% | 5,432 |
| Efficiency ratio | 258.1152% | 60 |
| Assets per employee ($millions) | 4.8670% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 3,572 |
| Loan loss allowance to noncurrent loans | 5.3029% | 7,382 |
| Noncurrent assets plus other real estate owned to assets | 23.5391% | 35 |
| Noncurrent loans to loans | 29.6328% | 22 |
| Net loans and leases to total assets | 71.3146% | 2,613 |
| Net loans and leases to deposits | 96.1824% | 1,082 |
| Net loans and leases to core deposits | 135.1745% | 393 |
| Total domestic deposits to total assets | 74.1452% | 7,027 |
| Equity capital to assets | 13.2416% | 1,423 |
| Core capital (leverage) ratio | 13.3100% | 1,125 |
| Tier 1 risk-based capital ratio | 17.0738% | 2,246 |
| Total risk-based capital ratio | 18.3270% | 2,194 |
| Memoranda: | ||
| Average total assets | $82,018,500 | 5,707 |
| Average earning assets | $73,166,500 | 5,742 |
| Average equity | $11,246,000 | 4,908 |
| Average total loans | $60,432,500 | 5,231 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3434% | 7,529 |
| Cost of funding earning assets | 1.8537% | 3,716 |
| Net interest margin | 2.4897% | 7,440 |
| Noninterest income to average assets | 0.1493% | 6,986 |
| Noninterest expense to average assets | 3.4259% | 2,594 |
| Loan and lease loss provision to assets | 4.1344% | 308 |
| Net operating income to assets | -6.6280% | 7,873 |
| Return on assets (ROA) | -6.6280% | 7,867 |
| Pretax return on assets | -5.2747% | 7,738 |
| Return on Equity (ROE) | -35.8538% | 7,503 |
| Retained earnings to average equity (ytd only) | -35.8538% | 7,489 |
| Net charge-offs to loans | 6.7463% | 132 |
| Credit loss provision to net charge-offs | 80.2041% | 6,274 |
| Earnings coverage of net charge-offs (x) | -0.2212% | 6,477 |
| Efficiency ratio | 149.8929% | 315 |
| Assets per employee ($millions) | 4.5166% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2112% | 1,630 |
| Loan loss allowance to noncurrent loans | 8.3215% | 7,390 |
| Noncurrent assets plus other real estate owned to assets | 21.3806% | 45 |
| Noncurrent loans to loans | 26.5718% | 29 |
| Net loans and leases to total assets | 73.2749% | 2,431 |
| Net loans and leases to deposits | 102.0139% | 754 |
| Net loans and leases to core deposits | 123.8534% | 1,647 |
| Total domestic deposits to total assets | 71.8283% | 7,258 |
| Equity capital to assets | 14.1898% | 1,108 |
| Core capital (leverage) ratio | 13.4458% | 1,108 |
| Tier 1 risk-based capital ratio | 17.8240% | 1,936 |
| Total risk-based capital ratio | 19.0847% | 1,892 |
| Memoranda: | ||
| Average total assets | $81,729,600 | 5,678 |
| Average earning assets | $70,128,800 | 5,808 |
| Average equity | $15,108,600 | 4,044 |
| Average total loans | $62,449,400 | 5,152 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5827% | 7,430 |
| Cost of funding earning assets | 1.8793% | 3,989 |
| Net interest margin | 2.7034% | 7,202 |
| Noninterest income to average assets | 0.1825% | 6,919 |
| Noninterest expense to average assets | 3.0157% | 3,984 |
| Loan and lease loss provision to assets | 3.6201% | 356 |
| Net operating income to assets | -2.6735% | 7,504 |
| Return on assets (ROA) | -2.6735% | 7,514 |
| Pretax return on assets | -4.1496% | 7,710 |
| Return on Equity (ROE) | -13.6732% | 7,115 |
| Retained earnings to average equity (ytd only) | -13.6732% | 7,053 |
| Net charge-offs to loans | 7.1002% | 105 |
| Credit loss provision to net charge-offs | 66.4077% | 6,057 |
| Earnings coverage of net charge-offs (x) | -0.0971% | 6,176 |
| Efficiency ratio | 121.2975% | 571 |
| Assets per employee ($millions) | 4.6747% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6914% | 2,661 |
| Loan loss allowance to noncurrent loans | 9.2646% | 7,465 |
| Noncurrent assets plus other real estate owned to assets | 14.2076% | 143 |
| Noncurrent loans to loans | 18.2562% | 86 |
| Net loans and leases to total assets | 73.0133% | 2,789 |
| Net loans and leases to deposits | 106.6078% | 622 |
| Net loans and leases to core deposits | 123.2882% | 1,969 |
| Total domestic deposits to total assets | 68.4877% | 7,535 |
| Equity capital to assets | 18.1568% | 503 |
| Core capital (leverage) ratio | 16.2815% | 639 |
| Tier 1 risk-based capital ratio | 19.1377% | 1,712 |
| Total risk-based capital ratio | 20.3909% | 1,678 |
| Memoranda: | ||
| Average total assets | $81,837,500 | 5,697 |
| Average earning assets | $69,738,500 | 5,855 |
| Average equity | $16,001,750 | 3,912 |
| Average total loans | $62,832,250 | 5,173 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7956% | 7,236 |
| Cost of funding earning assets | 1.9722% | 3,903 |
| Net interest margin | 2.8233% | 6,970 |
| Noninterest income to average assets | 0.1850% | 6,969 |
| Noninterest expense to average assets | 3.0295% | 3,967 |
| Loan and lease loss provision to assets | 4.7713% | 227 |
| Net operating income to assets | -3.3552% | 7,732 |
| Return on assets (ROA) | -3.3552% | 7,737 |
| Pretax return on assets | -5.2425% | 7,893 |
| Return on Equity (ROE) | -16.7457% | 7,410 |
| Retained earnings to average equity (ytd only) | -16.7457% | 7,332 |
| Net charge-offs to loans | 0.5751% | 2,603 |
| Credit loss provision to net charge-offs | 1,068.5083% | 462 |
| Earnings coverage of net charge-offs (x) | -1.0552% | 6,242 |
| Efficiency ratio | 118.4185% | 691 |
| Assets per employee ($millions) | 4.5445% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0987% | 77 |
| Loan loss allowance to noncurrent loans | 28.8819% | 6,573 |
| Noncurrent assets plus other real estate owned to assets | 16.4086% | 84 |
| Noncurrent loans to loans | 21.1159% | 46 |
| Net loans and leases to total assets | 70.1511% | 3,667 |
| Net loans and leases to deposits | 101.8376% | 1,083 |
| Net loans and leases to core deposits | 118.3532% | 2,515 |
| Total domestic deposits to total assets | 68.8853% | 7,564 |
| Equity capital to assets | 17.9802% | 553 |
| Core capital (leverage) ratio | 16.8762% | 629 |
| Tier 1 risk-based capital ratio | 18.9904% | 1,782 |
| Total risk-based capital ratio | 20.2922% | 1,721 |
| Memoranda: | ||
| Average total assets | $81,068,330 | 5,759 |
| Average earning assets | $68,146,330 | 5,948 |
| Average equity | $16,243,000 | 3,877 |
| Average total loans | $62,945,000 | 5,214 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6729% | 7,544 |
| Cost of funding earning assets | 2.0145% | 4,060 |
| Net interest margin | 2.6584% | 7,280 |
| Noninterest income to average assets | 0.1785% | 7,024 |
| Noninterest expense to average assets | 2.9632% | 3,927 |
| Loan and lease loss provision to assets | 4.2739% | 212 |
| Net operating income to assets | -2.9989% | 7,845 |
| Return on assets (ROA) | -2.9989% | 7,845 |
| Pretax return on assets | -4.7635% | 7,968 |
| Return on Equity (ROE) | -14.1670% | 7,571 |
| Retained earnings to average equity (ytd only) | -14.1670% | 7,390 |
| Net charge-offs to loans | 1.1647% | 1,181 |
| Credit loss provision to net charge-offs | 462.9834% | 1,150 |
| Earnings coverage of net charge-offs (x) | -0.5304% | 5,261 |
| Efficiency ratio | 119.7938% | 636 |
| Assets per employee ($millions) | 3.9879% | 3,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5536% | 144 |
| Loan loss allowance to noncurrent loans | 20.0042% | 7,167 |
| Noncurrent assets plus other real estate owned to assets | 18.4721% | 45 |
| Noncurrent loans to loans | 22.7633% | 32 |
| Net loans and leases to total assets | 74.5831% | 2,603 |
| Net loans and leases to deposits | 114.0321% | 449 |
| Net loans and leases to core deposits | 137.1751% | 1,236 |
| Total domestic deposits to total assets | 65.4054% | 7,766 |
| Equity capital to assets | 20.4644% | 393 |
| Core capital (leverage) ratio | 19.1529% | 441 |
| Tier 1 risk-based capital ratio | 21.0881% | 1,436 |
| Total risk-based capital ratio | 22.3732% | 1,400 |
| Memoranda: | ||
| Average total assets | $78,430,000 | 5,875 |
| Average earning assets | $67,709,000 | 5,986 |
| Average equity | $16,602,000 | 3,810 |
| Average total loans | $62,164,500 | 5,283 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4376% | 3,235 |
| Cost of funding earning assets | 2.2971% | 5,162 |
| Net interest margin | 4.1405% | 2,538 |
| Noninterest income to average assets | 0.1699% | 7,208 |
| Noninterest expense to average assets | 3.1979% | 3,345 |
| Loan and lease loss provision to assets | 4.9714% | 107 |
| Net operating income to assets | -2.6841% | 7,758 |
| Return on assets (ROA) | -2.6841% | 7,729 |
| Pretax return on assets | -4.2539% | 7,936 |
| Return on Equity (ROE) | -10.8594% | 7,335 |
| Retained earnings to average equity (ytd only) | -10.8594% | 7,150 |
| Net charge-offs to loans | 3.9108% | 174 |
| Credit loss provision to net charge-offs | 158.4922% | 3,271 |
| Earnings coverage of net charge-offs (x) | 0.2288% | 6,095 |
| Efficiency ratio | 81.6730% | 2,348 |
| Assets per employee ($millions) | 3.8551% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5175% | 272 |
| Loan loss allowance to noncurrent loans | 17.4928% | 7,325 |
| Noncurrent assets plus other real estate owned to assets | 16.8789% | 46 |
| Noncurrent loans to loans | 20.1081% | 34 |
| Net loans and leases to total assets | 77.5907% | 2,238 |
| Net loans and leases to deposits | 115.1347% | 562 |
| Net loans and leases to core deposits | 141.1010% | 1,210 |
| Total domestic deposits to total assets | 67.3912% | 7,527 |
| Equity capital to assets | 21.8957% | 356 |
| Core capital (leverage) ratio | 19.7507% | 453 |
| Tier 1 risk-based capital ratio | 22.7498% | 1,222 |
| Total risk-based capital ratio | 24.0237% | 1,190 |
| Memoranda: | ||
| Average total assets | $73,580,400 | 5,921 |
| Average earning assets | $66,562,000 | 5,951 |
| Average equity | $18,187,000 | 3,529 |
| Average total loans | $59,016,400 | 5,314 |