Home > The Cowlitz Bank > Performance and Condition Ratios
The Cowlitz Bank, Performance and Condition Ratios
| 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 | 4.6621% | 6,268 |
| Cost of funding earning assets | 2.3484% | 288 |
| Net interest margin | 2.3137% | 7,523 |
| Noninterest income to average assets | 0.5999% | 3,334 |
| Noninterest expense to average assets | 4.4581% | 606 |
| Loan and lease loss provision to assets | 3.8414% | 209 |
| Net operating income to assets | -5.5256% | 7,718 |
| Return on assets (ROA) | -5.5256% | 7,722 |
| Pretax return on assets | -5.5588% | 7,705 |
| Return on Equity (ROE) | -189.9854% | 7,801 |
| Retained earnings to average equity (ytd only) | -189.9854% | 7,801 |
| Net charge-offs to loans | 5.3242% | 180 |
| Credit loss provision to net charge-offs | 116.0836% | 3,500 |
| Earnings coverage of net charge-offs (x) | -0.5190% | 6,022 |
| Efficiency ratio | 162.6656% | 169 |
| Assets per employee ($millions) | 4.6573% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7230% | 463 |
| Loan loss allowance to noncurrent loans | 30.2381% | 6,353 |
| Noncurrent assets plus other real estate owned to assets | 8.5866% | 538 |
| Noncurrent loans to loans | 12.3124% | 268 |
| Net loans and leases to total assets | 61.1148% | 4,855 |
| Net loans and leases to deposits | 62.9527% | 6,142 |
| Net loans and leases to core deposits | 86.8369% | 3,724 |
| Total domestic deposits to total assets | 97.0805% | 12 |
| Equity capital to assets | 2.0772% | 7,787 |
| Core capital (leverage) ratio | 1.5606% | 7,791 |
| Tier 1 risk-based capital ratio | 2.4629% | 7,788 |
| Total risk-based capital ratio | 3.7413% | 7,788 |
| Memoranda: | ||
| Average total assets | $523,453,670 | 1,294 |
| Average earning assets | $484,336,000 | 1,286 |
| Average equity | $15,224,330 | 3,945 |
| Average total loans | $325,344,330 | 1,409 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4903% | 6,809 |
| Cost of funding earning assets | 2.3497% | 362 |
| Net interest margin | 2.1406% | 7,674 |
| Noninterest income to average assets | 0.6185% | 3,149 |
| Noninterest expense to average assets | 4.3886% | 647 |
| Loan and lease loss provision to assets | 7.2680% | 80 |
| Net operating income to assets | -8.9888% | 7,880 |
| Return on assets (ROA) | -8.9888% | 7,883 |
| Pretax return on assets | -9.0532% | 7,880 |
| Return on Equity (ROE) | -273.6872% | 7,901 |
| Retained earnings to average equity (ytd only) | -273.6872% | 7,901 |
| Net charge-offs to loans | 9.6296% | 62 |
| Credit loss provision to net charge-offs | 122.6161% | 2,853 |
| Earnings coverage of net charge-offs (x) | -0.3012% | 5,208 |
| Efficiency ratio | 168.5706% | 150 |
| Assets per employee ($millions) | 4.8121% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7160% | 464 |
| Loan loss allowance to noncurrent loans | 29.3659% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 8.5096% | 557 |
| Noncurrent loans to loans | 12.6540% | 262 |
| Net loans and leases to total assets | 58.6229% | 5,330 |
| Net loans and leases to deposits | 60.3771% | 6,432 |
| Net loans and leases to core deposits | 83.7365% | 4,243 |
| Total domestic deposits to total assets | 97.0946% | 21 |
| Equity capital to assets | 2.2115% | 7,881 |
| Core capital (leverage) ratio | 1.8942% | 7,885 |
| Tier 1 risk-based capital ratio | 3.0806% | 7,873 |
| Total risk-based capital ratio | 4.3591% | 7,873 |
| Memoranda: | ||
| Average total assets | $540,671,000 | 1,293 |
| Average earning assets | $501,346,500 | 1,279 |
| Average equity | $17,757,500 | 3,530 |
| Average total loans | $332,806,500 | 1,413 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6748% | 3,229 |
| Cost of funding earning assets | 2.7555% | 506 |
| Net interest margin | 2.9193% | 6,822 |
| Noninterest income to average assets | 1.0878% | 1,301 |
| Noninterest expense to average assets | 4.0336% | 1,318 |
| Loan and lease loss provision to assets | 3.8697% | 367 |
| Net operating income to assets | -5.8060% | 7,827 |
| Return on assets (ROA) | -5.8223% | 7,816 |
| Pretax return on assets | -4.2850% | 7,593 |
| Return on Equity (ROE) | -76.2034% | 7,845 |
| Retained earnings to average equity (ytd only) | -76.2034% | 7,842 |
| Net charge-offs to loans | 6.5790% | 143 |
| Credit loss provision to net charge-offs | 86.3006% | 6,122 |
| Earnings coverage of net charge-offs (x) | -0.0890% | 6,322 |
| Efficiency ratio | 102.4151% | 997 |
| Assets per employee ($millions) | 4.8850% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9604% | 799 |
| Loan loss allowance to noncurrent loans | 20.9649% | 7,018 |
| Noncurrent assets plus other real estate owned to assets | 9.5703% | 406 |
| Noncurrent loans to loans | 14.1209% | 203 |
| Net loans and leases to total assets | 60.3545% | 5,281 |
| Net loans and leases to deposits | 63.5641% | 6,323 |
| Net loans and leases to core deposits | 81.6650% | 5,941 |
| Total domestic deposits to total assets | 94.9506% | 55 |
| Equity capital to assets | 4.3131% | 7,833 |
| Core capital (leverage) ratio | 3.9107% | 7,852 |
| Tier 1 risk-based capital ratio | 6.0683% | 7,809 |
| Total risk-based capital ratio | 7.3373% | 7,812 |
| Memoranda: | ||
| Average total assets | $577,593,200 | 1,202 |
| Average earning assets | $503,893,800 | 1,253 |
| Average equity | $44,130,600 | 1,514 |
| Average total loans | $393,662,600 | 1,221 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9839% | 2,103 |
| Cost of funding earning assets | 2.8065% | 585 |
| Net interest margin | 3.1775% | 6,096 |
| Noninterest income to average assets | 1.2783% | 942 |
| Noninterest expense to average assets | 3.5356% | 2,181 |
| Loan and lease loss provision to assets | 3.1023% | 464 |
| Net operating income to assets | -4.6568% | 7,809 |
| Return on assets (ROA) | -4.6762% | 7,811 |
| Pretax return on assets | -2.6491% | 7,400 |
| Return on Equity (ROE) | -55.4930% | 7,872 |
| Retained earnings to average equity (ytd only) | -55.4930% | 7,866 |
| Net charge-offs to loans | 5.2752% | 192 |
| Credit loss provision to net charge-offs | 84.5393% | 5,637 |
| Earnings coverage of net charge-offs (x) | 0.1288% | 5,904 |
| Efficiency ratio | 88.2092% | 1,857 |
| Assets per employee ($millions) | 5.1592% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9990% | 668 |
| Loan loss allowance to noncurrent loans | 19.9424% | 7,096 |
| Noncurrent assets plus other real estate owned to assets | 10.6229% | 301 |
| Noncurrent loans to loans | 15.0382% | 143 |
| Net loans and leases to total assets | 62.8439% | 5,098 |
| Net loans and leases to deposits | 67.7450% | 6,149 |
| Net loans and leases to core deposits | 83.8439% | 6,049 |
| Total domestic deposits to total assets | 92.7654% | 103 |
| Equity capital to assets | 6.4890% | 7,768 |
| Core capital (leverage) ratio | 5.8039% | 7,833 |
| Tier 1 risk-based capital ratio | 8.2130% | 7,761 |
| Total risk-based capital ratio | 9.4819% | 7,781 |
| Memoranda: | ||
| Average total assets | $583,989,000 | 1,195 |
| Average earning assets | $501,731,250 | 1,268 |
| Average equity | $49,211,000 | 1,388 |
| Average total loans | $406,246,500 | 1,203 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1840% | 1,511 |
| Cost of funding earning assets | 2.8582% | 676 |
| Net interest margin | 3.3258% | 5,454 |
| Noninterest income to average assets | 0.5829% | 3,812 |
| Noninterest expense to average assets | 3.5581% | 2,165 |
| Loan and lease loss provision to assets | 2.4435% | 644 |
| Net operating income to assets | -5.6453% | 7,985 |
| Return on assets (ROA) | -5.6750% | 7,976 |
| Pretax return on assets | -2.6449% | 7,458 |
| Return on Equity (ROE) | -62.6139% | 7,989 |
| Retained earnings to average equity (ytd only) | -62.6139% | 7,985 |
| Net charge-offs to loans | 6.0359% | 183 |
| Credit loss provision to net charge-offs | 56.9112% | 5,644 |
| Earnings coverage of net charge-offs (x) | -0.0400% | 5,733 |
| Efficiency ratio | 105.0690% | 996 |
| Assets per employee ($millions) | 5.2242% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0768% | 1,430 |
| Loan loss allowance to noncurrent loans | 14.7401% | 7,371 |
| Noncurrent assets plus other real estate owned to assets | 10.5315% | 252 |
| Noncurrent loans to loans | 14.0898% | 155 |
| Net loans and leases to total assets | 67.4137% | 4,273 |
| Net loans and leases to deposits | 73.5951% | 5,523 |
| Net loans and leases to core deposits | 87.0706% | 5,802 |
| Total domestic deposits to total assets | 91.6009% | 294 |
| Equity capital to assets | 7.5612% | 7,214 |
| Core capital (leverage) ratio | 6.3029% | 7,854 |
| Tier 1 risk-based capital ratio | 8.4893% | 7,845 |
| Total risk-based capital ratio | 9.7469% | 7,877 |
| Memoranda: | ||
| Average total assets | $586,040,330 | 1,212 |
| Average earning assets | $494,018,670 | 1,315 |
| Average equity | $53,116,000 | 1,276 |
| Average total loans | $416,875,000 | 1,201 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4776% | 908 |
| Cost of funding earning assets | 2.8955% | 779 |
| Net interest margin | 3.5821% | 4,396 |
| Noninterest income to average assets | 0.6009% | 3,542 |
| Noninterest expense to average assets | 3.3834% | 2,404 |
| Loan and lease loss provision to assets | 2.3391% | 504 |
| Net operating income to assets | -1.1393% | 7,327 |
| Return on assets (ROA) | -1.1441% | 7,342 |
| Pretax return on assets | -2.2135% | 7,596 |
| Return on Equity (ROE) | -11.6708% | 7,454 |
| Retained earnings to average equity (ytd only) | -11.6708% | 7,246 |
| Net charge-offs to loans | 8.2028% | 90 |
| Credit loss provision to net charge-offs | 39.4616% | 4,828 |
| Earnings coverage of net charge-offs (x) | 0.0225% | 4,960 |
| Efficiency ratio | 96.2155% | 1,308 |
| Assets per employee ($millions) | 5.2836% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0151% | 1,381 |
| Loan loss allowance to noncurrent loans | 26.1977% | 6,828 |
| Noncurrent assets plus other real estate owned to assets | 6.3189% | 604 |
| Noncurrent loans to loans | 7.6918% | 485 |
| Net loans and leases to total assets | 69.2463% | 3,861 |
| Net loans and leases to deposits | 77.1776% | 5,061 |
| Net loans and leases to core deposits | 97.1107% | 4,839 |
| Total domestic deposits to total assets | 89.7234% | 921 |
| Equity capital to assets | 9.6296% | 4,482 |
| Core capital (leverage) ratio | 7.5365% | 7,109 |
| Tier 1 risk-based capital ratio | 9.3778% | 7,524 |
| Total risk-based capital ratio | 10.6358% | 7,479 |
| Memoranda: | ||
| Average total assets | $589,119,500 | 1,211 |
| Average earning assets | $479,495,000 | 1,352 |
| Average equity | $57,751,000 | 1,175 |
| Average total loans | $425,707,000 | 1,193 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4220% | 477 |
| Cost of funding earning assets | 2.7456% | 2,946 |
| Net interest margin | 4.6763% | 1,017 |
| Noninterest income to average assets | 0.6620% | 3,391 |
| Noninterest expense to average assets | 3.4523% | 2,518 |
| Loan and lease loss provision to assets | 3.1927% | 273 |
| Net operating income to assets | -1.1098% | 7,291 |
| Return on assets (ROA) | -1.3344% | 7,347 |
| Pretax return on assets | -2.2350% | 7,517 |
| Return on Equity (ROE) | -12.1046% | 7,430 |
| Retained earnings to average equity (ytd only) | -12.1046% | 7,250 |
| Net charge-offs to loans | 2.2718% | 453 |
| Credit loss provision to net charge-offs | 182.4836% | 2,735 |
| Earnings coverage of net charge-offs (x) | 0.7480% | 5,775 |
| Efficiency ratio | 72.3783% | 3,866 |
| Assets per employee ($millions) | 5.1446% | 1,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1652% | 378 |
| Loan loss allowance to noncurrent loans | 62.5091% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 4.5652% | 815 |
| Noncurrent loans to loans | 5.0635% | 861 |
| Net loans and leases to total assets | 71.5291% | 3,684 |
| Net loans and leases to deposits | 80.1759% | 5,016 |
| Net loans and leases to core deposits | 97.7343% | 5,066 |
| Total domestic deposits to total assets | 89.2151% | 955 |
| Equity capital to assets | 9.9779% | 4,067 |
| Core capital (leverage) ratio | 8.4106% | 5,737 |
| Tier 1 risk-based capital ratio | 9.8268% | 6,924 |
| Total risk-based capital ratio | 11.0977% | 6,789 |
| Memoranda: | ||
| Average total assets | $548,180,600 | 1,242 |
| Average earning assets | $480,506,200 | 1,284 |
| Average equity | $60,431,800 | 1,112 |
| Average total loans | $422,177,000 | 1,135 |