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Carson River 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 | 5.4954% | 4,167 |
| Cost of funding earning assets | 2.5232% | 969 |
| Net interest margin | 2.9722% | 6,713 |
| Noninterest income to average assets | 0.0813% | 7,348 |
| Noninterest expense to average assets | 6.7311% | 227 |
| Loan and lease loss provision to assets | 5.4761% | 149 |
| Net operating income to assets | -9.3958% | 7,970 |
| Return on assets (ROA) | -9.3859% | 7,969 |
| Pretax return on assets | -9.3859% | 7,958 |
| Return on Equity (ROE) | -123.9008% | 7,970 |
| Retained earnings to average equity (ytd only) | -123.9008% | 7,969 |
| Net charge-offs to loans | 0.7136% | 3,047 |
| Credit loss provision to net charge-offs | 989.9642% | 297 |
| Earnings coverage of net charge-offs (x) | -7.0860% | 7,138 |
| Efficiency ratio | 239.4217% | 93 |
| Assets per employee ($millions) | 4.6450% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6276% | 30 |
| Loan loss allowance to noncurrent loans | 45.2567% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 18.9216% | 68 |
| Noncurrent loans to loans | 19.0636% | 80 |
| Net loans and leases to total assets | 70.7016% | 3,077 |
| Net loans and leases to deposits | 72.2153% | 5,299 |
| Net loans and leases to core deposits | 111.4900% | 2,750 |
| Total domestic deposits to total assets | 97.9039% | 15 |
| Equity capital to assets | 1.7399% | 7,965 |
| Core capital (leverage) ratio | 1.8201% | 7,957 |
| Tier 1 risk-based capital ratio | 2.1949% | 7,966 |
| Total risk-based capital ratio | 3.4975% | 7,967 |
| Memoranda: | ||
| Average total assets | $50,437,200 | 6,690 |
| Average earning assets | $46,329,400 | 6,673 |
| Average equity | $3,820,800 | 7,348 |
| Average total loans | $39,098,000 | 6,151 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7271% | 3,207 |
| Cost of funding earning assets | 2.6232% | 977 |
| Net interest margin | 3.1039% | 6,310 |
| Noninterest income to average assets | 0.0796% | 7,504 |
| Noninterest expense to average assets | 5.4077% | 387 |
| Loan and lease loss provision to assets | 4.0710% | 291 |
| Net operating income to assets | -6.5561% | 7,956 |
| Return on assets (ROA) | -6.5428% | 7,956 |
| Pretax return on assets | -6.5428% | 7,941 |
| Return on Equity (ROE) | -72.2317% | 7,938 |
| Retained earnings to average equity (ytd only) | -72.2317% | 7,937 |
| Net charge-offs to loans | 0.9780% | 2,015 |
| Credit loss provision to net charge-offs | 536.7133% | 732 |
| Earnings coverage of net charge-offs (x) | -3.2763% | 6,813 |
| Efficiency ratio | 185.0272% | 182 |
| Assets per employee ($millions) | 4.5435% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5631% | 102 |
| Loan loss allowance to noncurrent loans | 44.9515% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 15.3948% | 112 |
| Noncurrent loans to loans | 12.3757% | 252 |
| Net loans and leases to total assets | 73.9445% | 2,538 |
| Net loans and leases to deposits | 79.2384% | 4,527 |
| Net loans and leases to core deposits | 124.3723% | 1,868 |
| Total domestic deposits to total assets | 93.3191% | 72 |
| Equity capital to assets | 6.3288% | 7,798 |
| Core capital (leverage) ratio | 6.3184% | 7,727 |
| Tier 1 risk-based capital ratio | 7.2778% | 7,869 |
| Total risk-based capital ratio | 8.5737% | 7,869 |
| Memoranda: | ||
| Average total assets | $50,272,750 | 6,745 |
| Average earning assets | $46,048,750 | 6,734 |
| Average equity | $4,553,750 | 7,160 |
| Average total loans | $38,988,500 | 6,200 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8759% | 2,692 |
| Cost of funding earning assets | 2.6697% | 1,111 |
| Net interest margin | 3.2062% | 5,895 |
| Noninterest income to average assets | 0.0635% | 7,669 |
| Noninterest expense to average assets | 5.3285% | 419 |
| Loan and lease loss provision to assets | 2.1838% | 732 |
| Net operating income to assets | -4.5066% | 7,892 |
| Return on assets (ROA) | -4.4867% | 7,888 |
| Pretax return on assets | -4.4867% | 7,807 |
| Return on Equity (ROE) | -45.0439% | 7,884 |
| Retained earnings to average equity (ytd only) | -45.0439% | 7,874 |
| Net charge-offs to loans | 1.4843% | 1,275 |
| Credit loss provision to net charge-offs | 190.3114% | 2,402 |
| Earnings coverage of net charge-offs (x) | -2.0242% | 6,355 |
| Efficiency ratio | 177.2787% | 259 |
| Assets per employee ($millions) | 5.1317% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0408% | 551 |
| Loan loss allowance to noncurrent loans | 50.2748% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 10.1643% | 278 |
| Noncurrent loans to loans | 6.0483% | 901 |
| Net loans and leases to total assets | 73.8800% | 2,738 |
| Net loans and leases to deposits | 81.1164% | 4,370 |
| Net loans and leases to core deposits | 110.6626% | 3,314 |
| Total domestic deposits to total assets | 91.0790% | 427 |
| Equity capital to assets | 8.6326% | 5,845 |
| Core capital (leverage) ratio | 8.7280% | 5,042 |
| Tier 1 risk-based capital ratio | 9.9789% | 6,948 |
| Total risk-based capital ratio | 11.2462% | 6,862 |
| Memoranda: | ||
| Average total assets | $50,371,000 | 6,810 |
| Average earning assets | $46,223,000 | 6,790 |
| Average equity | $5,017,330 | 7,054 |
| Average total loans | $38,940,330 | 6,252 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9776% | 2,452 |
| Cost of funding earning assets | 2.8145% | 948 |
| Net interest margin | 3.1631% | 5,973 |
| Noninterest income to average assets | 0.0721% | 7,698 |
| Noninterest expense to average assets | 5.1305% | 438 |
| Loan and lease loss provision to assets | 1.9640% | 619 |
| Net operating income to assets | -4.1124% | 7,987 |
| Return on assets (ROA) | -4.1124% | 7,982 |
| Pretax return on assets | -4.1124% | 7,917 |
| Return on Equity (ROE) | -38.6368% | 7,973 |
| Retained earnings to average equity (ytd only) | -38.6368% | 7,949 |
| Net charge-offs to loans | 0.6485% | 1,884 |
| Credit loss provision to net charge-offs | 388.8889% | 1,326 |
| Earnings coverage of net charge-offs (x) | -4.2540% | 5,549 |
| Efficiency ratio | 172.0430% | 270 |
| Assets per employee ($millions) | 4.8886% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8338% | 562 |
| Loan loss allowance to noncurrent loans | 241.8301% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 6.5904% | 551 |
| Noncurrent loans to loans | 1.1718% | 4,641 |
| Net loans and leases to total assets | 70.7764% | 3,522 |
| Net loans and leases to deposits | 78.3999% | 4,860 |
| Net loans and leases to core deposits | 115.6769% | 2,833 |
| Total domestic deposits to total assets | 90.2762% | 687 |
| Equity capital to assets | 9.4021% | 4,805 |
| Core capital (leverage) ratio | 9.8629% | 3,569 |
| Tier 1 risk-based capital ratio | 10.7943% | 6,100 |
| Total risk-based capital ratio | 12.0583% | 5,986 |
| Memoranda: | ||
| Average total assets | $49,898,000 | 6,871 |
| Average earning assets | $45,905,000 | 6,843 |
| Average equity | $5,311,000 | 7,003 |
| Average total loans | $38,859,500 | 6,281 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5604% | 2,670 |
| Cost of funding earning assets | 3.1614% | 1,311 |
| Net interest margin | 3.3990% | 5,668 |
| Noninterest income to average assets | 0.0911% | 7,678 |
| Noninterest expense to average assets | 6.2428% | 370 |
| Loan and lease loss provision to assets | 4.5852% | 130 |
| Net operating income to assets | -7.5361% | 8,210 |
| Return on assets (ROA) | -7.5361% | 8,205 |
| Pretax return on assets | -7.5361% | 8,180 |
| Return on Equity (ROE) | -39.3607% | 8,072 |
| Retained earnings to average equity (ytd only) | -39.3607% | 8,042 |
| Net charge-offs to loans | 3.5844% | 216 |
| Credit loss provision to net charge-offs | 164.2125% | 3,139 |
| Earnings coverage of net charge-offs (x) | -1.0568% | 6,601 |
| Efficiency ratio | 189.6443% | 218 |
| Assets per employee ($millions) | 3.0681% | 5,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4073% | 760 |
| Loan loss allowance to noncurrent loans | 43.7736% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 7.3705% | 331 |
| Noncurrent loans to loans | 5.4995% | 740 |
| Net loans and leases to total assets | 81.7475% | 1,273 |
| Net loans and leases to deposits | 93.3663% | 2,882 |
| Net loans and leases to core deposits | 126.8067% | 2,100 |
| Total domestic deposits to total assets | 87.5557% | 1,688 |
| Equity capital to assets | 12.0945% | 2,233 |
| Core capital (leverage) ratio | 12.5362% | 1,735 |
| Tier 1 risk-based capital ratio | 12.6910% | 4,294 |
| Total risk-based capital ratio | 13.9510% | 4,206 |
| Memoranda: | ||
| Average total assets | $38,428,400 | 7,286 |
| Average earning assets | $36,187,000 | 7,235 |
| Average equity | $7,357,600 | 6,330 |
| Average total loans | $29,935,000 | 6,712 |