Home > The Coldwater Native Bank > Performance and Condition Ratios
The Coldwater Native 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 | 2.3937% | 7,674 |
| Cost of funding earning assets | 0.3791% | 7,587 |
| Net interest margin | 2.0146% | 7,575 |
| Noninterest income to average assets | 0.2267% | 6,278 |
| Noninterest expense to average assets | 2.5523% | 5,504 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.4139% | 6,528 |
| Return on assets (ROA) | -0.4139% | 6,573 |
| Pretax return on assets | -0.4928% | 6,548 |
| Return on Equity (ROE) | -1.9436% | 6,393 |
| Retained earnings to average equity (ytd only) | -1.9436% | 6,192 |
| Net charge-offs to loans | 0.4733% | 3,379 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -8.3338% | 6,619 |
| Efficiency ratio | 123.9234% | 355 |
| Assets per employee ($millions) | 3.1643% | 5,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 4,367 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 7,351 |
| Noncurrent loans to loans | 0.0833% | 7,029 |
| Net loans and leases to total assets | 9.3545% | 7,691 |
| Net loans and leases to deposits | 12.2024% | 7,699 |
| Net loans and leases to core deposits | 12.2024% | 7,683 |
| Total domestic deposits to total assets | 76.6611% | 6,548 |
| Equity capital to assets | 22.7226% | 174 |
| Core capital (leverage) ratio | 21.8908% | 181 |
| Tier 1 risk-based capital ratio | 79.2686% | 67 |
| Total risk-based capital ratio | 79.7468% | 67 |
| Memoranda: | ||
| Average total assets | $13,529,750 | 7,691 |
| Average earning assets | $12,309,750 | 7,675 |
| Average equity | $2,881,250 | 7,403 |
| Average total loans | $1,690,250 | 7,706 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5005% | 7,748 |
| Cost of funding earning assets | 0.3798% | 7,669 |
| Net interest margin | 2.1207% | 7,608 |
| Noninterest income to average assets | 0.2315% | 6,257 |
| Noninterest expense to average assets | 2.5180% | 5,653 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.2605% | 6,428 |
| Return on assets (ROA) | -0.2605% | 6,470 |
| Pretax return on assets | -0.3473% | 6,468 |
| Return on Equity (ROE) | -1.2487% | 6,349 |
| Retained earnings to average equity (ytd only) | -1.2487% | 6,022 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.0000% | 466 |
| Assets per employee ($millions) | 3.2600% | 5,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8400% | 2,599 |
| Loan loss allowance to noncurrent loans | 383.3333% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 7,273 |
| Noncurrent loans to loans | 0.4800% | 6,290 |
| Net loans and leases to total assets | 9.4095% | 7,759 |
| Net loans and leases to deposits | 12.2053% | 7,763 |
| Net loans and leases to core deposits | 12.2053% | 7,752 |
| Total domestic deposits to total assets | 77.0936% | 6,483 |
| Equity capital to assets | 22.3160% | 187 |
| Core capital (leverage) ratio | 21.2948% | 195 |
| Tier 1 risk-based capital ratio | 77.4387% | 69 |
| Total risk-based capital ratio | 78.0654% | 69 |
| Memoranda: | ||
| Average total assets | $13,820,670 | 7,754 |
| Average earning assets | $12,637,330 | 7,738 |
| Average equity | $2,883,000 | 7,452 |
| Average total loans | $1,853,330 | 7,775 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4051% | 7,859 |
| Cost of funding earning assets | 0.3349% | 7,802 |
| Net interest margin | 2.0702% | 7,698 |
| Noninterest income to average assets | 0.1970% | 6,548 |
| Noninterest expense to average assets | 2.6740% | 5,036 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.4785% | 6,813 |
| Return on assets (ROA) | -0.4785% | 6,840 |
| Pretax return on assets | -0.5629% | 6,824 |
| Return on Equity (ROE) | -2.3698% | 6,678 |
| Retained earnings to average equity (ytd only) | -2.3698% | 6,270 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.6667% | 368 |
| Assets per employee ($millions) | 2.7050% | 6,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 6,324 |
| Loan loss allowance to noncurrent loans | 115.0000% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 7,112 |
| Noncurrent loans to loans | 0.8949% | 5,528 |
| Net loans and leases to total assets | 16.3549% | 7,821 |
| Net loans and leases to deposits | 20.8719% | 7,826 |
| Net loans and leases to core deposits | 20.8719% | 7,821 |
| Total domestic deposits to total assets | 78.3586% | 6,232 |
| Equity capital to assets | 21.1608% | 237 |
| Core capital (leverage) ratio | 20.8903% | 215 |
| Tier 1 risk-based capital ratio | 62.1503% | 102 |
| Total risk-based capital ratio | 62.6530% | 103 |
| Memoranda: | ||
| Average total assets | $14,211,000 | 7,849 |
| Average earning assets | $13,139,000 | 7,829 |
| Average equity | $2,869,500 | 7,534 |
| Average total loans | $2,155,000 | 7,873 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8946% | 7,890 |
| Cost of funding earning assets | 0.4268% | 7,866 |
| Net interest margin | 2.4678% | 7,459 |
| Noninterest income to average assets | 0.2340% | 6,440 |
| Noninterest expense to average assets | 2.4533% | 6,295 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0355% | 5,374 |
| Return on assets (ROA) | 0.0355% | 5,429 |
| Pretax return on assets | 0.0355% | 5,360 |
| Return on Equity (ROE) | 0.1721% | 5,479 |
| Retained earnings to average equity (ytd only) | 0.1721% | 4,808 |
| Net charge-offs to loans | 0.4313% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 0.5556% | 5,552 |
| Efficiency ratio | 98.5755% | 1,176 |
| Assets per employee ($millions) | 2.9794% | 6,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 5,854 |
| Loan loss allowance to noncurrent loans | 209.0909% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 7,310 |
| Noncurrent loans to loans | 0.5301% | 6,195 |
| Net loans and leases to total assets | 13.7746% | 7,914 |
| Net loans and leases to deposits | 17.1572% | 7,928 |
| Net loans and leases to core deposits | 17.3019% | 7,930 |
| Total domestic deposits to total assets | 80.2846% | 5,589 |
| Equity capital to assets | 19.3126% | 344 |
| Core capital (leverage) ratio | 20.6020% | 252 |
| Tier 1 risk-based capital ratio | 60.6144% | 111 |
| Total risk-based capital ratio | 61.1017% | 114 |
| Memoranda: | ||
| Average total assets | $14,103,200 | 7,919 |
| Average earning assets | $12,886,000 | 7,899 |
| Average equity | $2,906,000 | 7,614 |
| Average total loans | $2,086,600 | 7,951 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0336% | 7,978 |
| Cost of funding earning assets | 0.4424% | 7,962 |
| Net interest margin | 2.5912% | 7,363 |
| Noninterest income to average assets | 0.2206% | 6,651 |
| Noninterest expense to average assets | 2.4547% | 6,231 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1151% | 5,422 |
| Return on assets (ROA) | 0.1151% | 5,477 |
| Pretax return on assets | 0.1246% | 5,472 |
| Return on Equity (ROE) | 0.5492% | 5,634 |
| Retained earnings to average equity (ytd only) | 0.5492% | 4,979 |
| Net charge-offs to loans | 0.5743% | 2,954 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1.4442% | 4,702 |
| Efficiency ratio | 95.1673% | 1,320 |
| Assets per employee ($millions) | 3.2420% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 5,801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 16.1243% | 7,982 |
| Net loans and leases to deposits | 20.9435% | 7,988 |
| Net loans and leases to core deposits | 22.0477% | 7,987 |
| Total domestic deposits to total assets | 76.9895% | 6,337 |
| Equity capital to assets | 22.4399% | 233 |
| Core capital (leverage) ratio | 21.5267% | 246 |
| Tier 1 risk-based capital ratio | 65.9159% | 102 |
| Total risk-based capital ratio | 66.4445% | 102 |
| Memoranda: | ||
| Average total assets | $13,904,750 | 8,000 |
| Average earning assets | $12,658,000 | 7,983 |
| Average equity | $2,913,250 | 7,688 |
| Average total loans | $2,089,500 | 8,032 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0731% | 8,072 |
| Cost of funding earning assets | 0.4656% | 8,052 |
| Net interest margin | 2.6075% | 7,353 |
| Noninterest income to average assets | 0.2251% | 6,681 |
| Noninterest expense to average assets | 2.3634% | 6,579 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1969% | 5,274 |
| Return on assets (ROA) | 0.1969% | 5,354 |
| Pretax return on assets | 0.2251% | 5,396 |
| Return on Equity (ROE) | 0.9608% | 5,644 |
| Retained earnings to average equity (ytd only) | 0.9608% | 4,797 |
| Net charge-offs to loans | 0.6726% | 2,360 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 2.2857% | 3,925 |
| Efficiency ratio | 91.3043% | 1,698 |
| Assets per employee ($millions) | 3.2530% | 5,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 4,940 |
| Loan loss allowance to noncurrent loans | 1,250.0000% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 7,593 |
| Noncurrent loans to loans | 0.0960% | 7,287 |
| Net loans and leases to total assets | 15.8162% | 8,073 |
| Net loans and leases to deposits | 20.5144% | 8,082 |
| Net loans and leases to core deposits | 22.7857% | 8,076 |
| Total domestic deposits to total assets | 77.0981% | 6,298 |
| Equity capital to assets | 22.3179% | 272 |
| Core capital (leverage) ratio | 21.0272% | 316 |
| Tier 1 risk-based capital ratio | 65.8106% | 111 |
| Total risk-based capital ratio | 66.3839% | 113 |
| Memoranda: | ||
| Average total assets | $14,217,000 | 8,084 |
| Average earning assets | $12,886,000 | 8,068 |
| Average equity | $2,914,330 | 7,756 |
| Average total loans | $2,081,330 | 8,123 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1933% | 8,124 |
| Cost of funding earning assets | 0.4178% | 8,128 |
| Net interest margin | 2.7755% | 7,043 |
| Noninterest income to average assets | 0.1619% | 7,148 |
| Noninterest expense to average assets | 2.2403% | 6,722 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4049% | 4,837 |
| Return on assets (ROA) | 0.4049% | 5,019 |
| Pretax return on assets | 0.4319% | 5,306 |
| Return on Equity (ROE) | 2.0551% | 5,755 |
| Retained earnings to average equity (ytd only) | 2.0551% | 4,719 |
| Net charge-offs to loans | -0.5768% | 8,119 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8384% | 2,325 |
| Assets per employee ($millions) | 3.4495% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8888% | 1,641 |
| Loan loss allowance to noncurrent loans | 1,750.0000% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 7,591 |
| Noncurrent loans to loans | 0.1079% | 7,224 |
| Net loans and leases to total assets | 13.1758% | 8,147 |
| Net loans and leases to deposits | 16.8209% | 8,152 |
| Net loans and leases to core deposits | 18.3488% | 8,150 |
| Total domestic deposits to total assets | 78.3302% | 5,917 |
| Equity capital to assets | 21.1335% | 356 |
| Core capital (leverage) ratio | 20.2284% | 387 |
| Tier 1 risk-based capital ratio | 66.7908% | 120 |
| Total risk-based capital ratio | 67.6053% | 119 |
| Memoranda: | ||
| Average total assets | $14,819,500 | 8,123 |
| Average earning assets | $13,403,000 | 8,108 |
| Average equity | $2,919,500 | 7,810 |
| Average total loans | $2,080,500 | 8,175 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0345% | 8,101 |
| Cost of funding earning assets | 1.1282% | 7,993 |
| Net interest margin | 2.9063% | 7,142 |
| Noninterest income to average assets | 0.1700% | 7,206 |
| Noninterest expense to average assets | 2.3541% | 6,557 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3858% | 5,209 |
| Return on assets (ROA) | 0.3858% | 5,023 |
| Pretax return on assets | 0.4774% | 5,047 |
| Return on Equity (ROE) | 1.9469% | 5,634 |
| Retained earnings to average equity (ytd only) | -14.5525% | 7,433 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1409% | 2,160 |
| Assets per employee ($millions) | 3.9603% | 3,600 |
| Cash dividends to net income (ytd only)* | 847.4576% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 3,277 |
| Loan loss allowance to noncurrent loans | 800.0000% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 7,497 |
| Noncurrent loans to loans | 0.1733% | 6,868 |
| Net loans and leases to total assets | 14.3678% | 8,193 |
| Net loans and leases to deposits | 17.7355% | 8,201 |
| Net loans and leases to core deposits | 19.1534% | 8,202 |
| Total domestic deposits to total assets | 81.0113% | 4,630 |
| Equity capital to assets | 18.4521% | 605 |
| Core capital (leverage) ratio | 20.1155% | 441 |
| Tier 1 risk-based capital ratio | 56.5011% | 169 |
| Total risk-based capital ratio | 57.1344% | 171 |
| Memoranda: | ||
| Average total assets | $15,292,200 | 8,154 |
| Average earning assets | $14,004,200 | 8,139 |
| Average equity | $3,030,400 | 7,827 |
| Average total loans | $2,129,600 | 8,231 |