Home > Red Rock Community Bank > Performance and Condition Ratios
Red Rock Community Bank, Performance and Condition Ratios
| 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 | 4.6262% | 7,248 |
| Cost of funding earning assets | 1.9172% | 3,366 |
| Net interest margin | 2.7090% | 7,201 |
| Noninterest income to average assets | 0.0115% | 7,654 |
| Noninterest expense to average assets | 2.6847% | 5,457 |
| Loan and lease loss provision to assets | 4.5441% | 255 |
| Net operating income to assets | -4.4312% | 7,673 |
| Return on assets (ROA) | -4.4312% | 7,669 |
| Pretax return on assets | -4.7168% | 7,667 |
| Return on Equity (ROE) | -53.9036% | 7,716 |
| Retained earnings to average equity (ytd only) | -53.9036% | 7,711 |
| Net charge-offs to loans | 3.8105% | 458 |
| Credit loss provision to net charge-offs | 156.7532% | 2,881 |
| Earnings coverage of net charge-offs (x) | -0.0596% | 6,283 |
| Efficiency ratio | 106.8765% | 877 |
| Assets per employee ($millions) | 6.5398% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7399% | 428 |
| Loan loss allowance to noncurrent loans | 21.3870% | 6,990 |
| Noncurrent assets plus other real estate owned to assets | 14.9343% | 139 |
| Noncurrent loans to loans | 17.4869% | 107 |
| Net loans and leases to total assets | 62.6526% | 4,874 |
| Net loans and leases to deposits | 72.4136% | 5,269 |
| Net loans and leases to core deposits | 104.9983% | 3,451 |
| Total domestic deposits to total assets | 86.5206% | 2,753 |
| Equity capital to assets | 5.4160% | 7,748 |
| Core capital (leverage) ratio | 3.5499% | 7,872 |
| Tier 1 risk-based capital ratio | 5.2772% | 7,856 |
| Total risk-based capital ratio | 6.5566% | 7,856 |
| Memoranda: | ||
| Average total assets | $130,258,200 | 4,332 |
| Average earning assets | $120,229,200 | 4,310 |
| Average equity | $10,708,000 | 5,101 |
| Average total loans | $99,093,600 | 3,976 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9316% | 6,813 |
| Cost of funding earning assets | 1.9211% | 3,768 |
| Net interest margin | 3.0104% | 6,578 |
| Noninterest income to average assets | -0.0384% | 7,886 |
| Noninterest expense to average assets | 2.7312% | 5,187 |
| Loan and lease loss provision to assets | 4.2690% | 251 |
| Net operating income to assets | -3.3455% | 7,661 |
| Return on assets (ROA) | -3.3455% | 7,663 |
| Pretax return on assets | -4.2482% | 7,724 |
| Return on Equity (ROE) | -37.2961% | 7,726 |
| Retained earnings to average equity (ytd only) | -37.2961% | 7,719 |
| Net charge-offs to loans | 3.7877% | 383 |
| Credit loss provision to net charge-offs | 142.6491% | 3,431 |
| Earnings coverage of net charge-offs (x) | 0.0069% | 6,055 |
| Efficiency ratio | 99.2459% | 1,097 |
| Assets per employee ($millions) | 6.5973% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5600% | 1,007 |
| Loan loss allowance to noncurrent loans | 17.9376% | 7,201 |
| Noncurrent assets plus other real estate owned to assets | 10.7432% | 295 |
| Noncurrent loans to loans | 14.2717% | 170 |
| Net loans and leases to total assets | 66.7600% | 4,243 |
| Net loans and leases to deposits | 80.1678% | 4,353 |
| Net loans and leases to core deposits | 114.7615% | 2,754 |
| Total domestic deposits to total assets | 83.2753% | 4,078 |
| Equity capital to assets | 7.2078% | 7,485 |
| Core capital (leverage) ratio | 5.7649% | 7,838 |
| Tier 1 risk-based capital ratio | 7.9173% | 7,803 |
| Total risk-based capital ratio | 9.1842% | 7,813 |
| Memoranda: | ||
| Average total assets | $128,489,000 | 4,401 |
| Average earning assets | $119,093,500 | 4,363 |
| Average equity | $11,525,500 | 4,919 |
| Average total loans | $101,520,250 | 3,946 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3344% | 5,477 |
| Cost of funding earning assets | 1.9625% | 3,951 |
| Net interest margin | 3.3719% | 5,280 |
| Noninterest income to average assets | 0.1966% | 6,888 |
| Noninterest expense to average assets | 2.8657% | 4,659 |
| Loan and lease loss provision to assets | 4.9609% | 211 |
| Net operating income to assets | -2.9887% | 7,670 |
| Return on assets (ROA) | -2.9887% | 7,666 |
| Pretax return on assets | -4.5214% | 7,811 |
| Return on Equity (ROE) | -31.0666% | 7,728 |
| Retained earnings to average equity (ytd only) | -31.0666% | 7,701 |
| Net charge-offs to loans | 4.4736% | 291 |
| Credit loss provision to net charge-offs | 133.7931% | 3,486 |
| Earnings coverage of net charge-offs (x) | 0.1185% | 5,549 |
| Efficiency ratio | 86.7021% | 2,158 |
| Assets per employee ($millions) | 5.6518% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9909% | 1,582 |
| Loan loss allowance to noncurrent loans | 18.9024% | 7,189 |
| Noncurrent assets plus other real estate owned to assets | 9.7033% | 318 |
| Noncurrent loans to loans | 10.5325% | 316 |
| Net loans and leases to total assets | 78.5506% | 1,627 |
| Net loans and leases to deposits | 97.5237% | 1,598 |
| Net loans and leases to core deposits | 128.0183% | 1,709 |
| Total domestic deposits to total assets | 80.5451% | 5,253 |
| Equity capital to assets | 8.8098% | 5,583 |
| Core capital (leverage) ratio | 7.2339% | 7,319 |
| Tier 1 risk-based capital ratio | 8.7755% | 7,791 |
| Total risk-based capital ratio | 10.0347% | 7,828 |
| Memoranda: | ||
| Average total assets | $125,137,330 | 4,505 |
| Average earning assets | $115,364,000 | 4,475 |
| Average equity | $12,038,670 | 4,807 |
| Average total loans | $103,719,670 | 3,919 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6615% | 3,987 |
| Cost of funding earning assets | 2.0336% | 3,964 |
| Net interest margin | 3.6279% | 4,196 |
| Noninterest income to average assets | 0.1752% | 7,053 |
| Noninterest expense to average assets | 2.6287% | 5,328 |
| Loan and lease loss provision to assets | 4.8719% | 171 |
| Net operating income to assets | -2.6319% | 7,792 |
| Return on assets (ROA) | -2.6319% | 7,787 |
| Pretax return on assets | -3.9829% | 7,900 |
| Return on Equity (ROE) | -26.2618% | 7,864 |
| Retained earnings to average equity (ytd only) | -26.2618% | 7,798 |
| Net charge-offs to loans | 4.6486% | 240 |
| Credit loss provision to net charge-offs | 124.4101% | 3,192 |
| Earnings coverage of net charge-offs (x) | 0.2270% | 4,799 |
| Efficiency ratio | 74.7283% | 3,700 |
| Assets per employee ($millions) | 5.6396% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 3,045 |
| Loan loss allowance to noncurrent loans | 23.6035% | 6,981 |
| Noncurrent assets plus other real estate owned to assets | 5.7741% | 713 |
| Noncurrent loans to loans | 6.3133% | 721 |
| Net loans and leases to total assets | 79.9221% | 1,402 |
| Net loans and leases to deposits | 104.5561% | 976 |
| Net loans and leases to core deposits | 138.4601% | 1,177 |
| Total domestic deposits to total assets | 76.4395% | 6,423 |
| Equity capital to assets | 9.7411% | 4,318 |
| Core capital (leverage) ratio | 7.9809% | 6,486 |
| Tier 1 risk-based capital ratio | 9.9677% | 6,964 |
| Total risk-based capital ratio | 11.2212% | 6,859 |
| Memoranda: | ||
| Average total assets | $125,536,500 | 4,509 |
| Average earning assets | $115,658,000 | 4,489 |
| Average equity | $12,581,000 | 4,683 |
| Average total loans | $105,753,000 | 3,888 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6310% | 2,335 |
| Cost of funding earning assets | 2.1785% | 5,688 |
| Net interest margin | 4.4526% | 1,532 |
| Noninterest income to average assets | 0.1749% | 7,179 |
| Noninterest expense to average assets | 2.7678% | 4,966 |
| Loan and lease loss provision to assets | 0.6769% | 2,144 |
| Net operating income to assets | 0.5370% | 4,593 |
| Return on assets (ROA) | 0.5370% | 4,438 |
| Pretax return on assets | 0.8242% | 3,982 |
| Return on Equity (ROE) | 4.8930% | 4,433 |
| Retained earnings to average equity (ytd only) | -3.2620% | 6,165 |
| Net charge-offs to loans | 0.5591% | 2,140 |
| Credit loss provision to net charge-offs | 136.6174% | 3,901 |
| Earnings coverage of net charge-offs (x) | 3.0296% | 4,568 |
| Efficiency ratio | 64.8370% | 5,364 |
| Assets per employee ($millions) | 5.5218% | 1,444 |
| Cash dividends to net income (ytd only)* | 166.6667% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 5,398 |
| Loan loss allowance to noncurrent loans | 21.8659% | 7,146 |
| Noncurrent assets plus other real estate owned to assets | 4.9582% | 709 |
| Noncurrent loans to loans | 4.9511% | 898 |
| Net loans and leases to total assets | 86.3340% | 567 |
| Net loans and leases to deposits | 113.3504% | 651 |
| Net loans and leases to core deposits | 141.1042% | 1,209 |
| Total domestic deposits to total assets | 76.1655% | 6,202 |
| Equity capital to assets | 10.2960% | 3,717 |
| Core capital (leverage) ratio | 8.5219% | 5,534 |
| Tier 1 risk-based capital ratio | 9.3857% | 7,423 |
| Total risk-based capital ratio | 10.4459% | 7,573 |
| Memoranda: | ||
| Average total assets | $122,911,800 | 4,449 |
| Average earning assets | $113,013,800 | 4,446 |
| Average equity | $13,488,600 | 4,455 |
| Average total loans | $108,927,400 | 3,705 |