Home > Great Basin Bank of Nevada > Performance and Condition Ratios
Great Basin Bank of Nevada, Performance and Condition Ratios
| 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 | 5.5537% | 4,619 |
| Cost of funding earning assets | 1.7245% | 5,495 |
| Net interest margin | 3.8292% | 3,344 |
| Noninterest income to average assets | 2.7580% | 224 |
| Noninterest expense to average assets | 5.2426% | 416 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8616% | 2,873 |
| Return on assets (ROA) | 1.3162% | 1,443 |
| Pretax return on assets | 1.3162% | 2,228 |
| Return on Equity (ROE) | 49.2527% | 25 |
| Retained earnings to average equity (ytd only) | 49.2527% | 17 |
| Net charge-offs to loans | 7.3352% | 109 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.2131% | 4,812 |
| Efficiency ratio | 85.8854% | 2,081 |
| Assets per employee ($millions) | 2.3657% | 7,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0111% | 474 |
| Loan loss allowance to noncurrent loans | 35.8260% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 5.1117% | 878 |
| Noncurrent loans to loans | 8.4049% | 411 |
| Net loans and leases to total assets | 54.9598% | 6,359 |
| Net loans and leases to deposits | 59.4659% | 6,935 |
| Net loans and leases to core deposits | 88.6591% | 5,679 |
| Total domestic deposits to total assets | 92.4224% | 131 |
| Equity capital to assets | 3.0552% | 8,199 |
| Core capital (leverage) ratio | 2.6815% | 8,209 |
| Tier 1 risk-based capital ratio | 4.0590% | 8,203 |
| Total risk-based capital ratio | 5.3306% | 8,202 |
| Memoranda: | ||
| Average total assets | $251,632,500 | 2,625 |
| Average earning assets | $219,888,500 | 2,764 |
| Average equity | $6,724,500 | 6,507 |
| Average total loans | $138,674,500 | 3,199 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7527% | 1,857 |
| Cost of funding earning assets | 2.0741% | 6,155 |
| Net interest margin | 4.6786% | 1,013 |
| Noninterest income to average assets | 0.8629% | 2,147 |
| Noninterest expense to average assets | 4.3297% | 1,011 |
| Loan and lease loss provision to assets | 4.1548% | 154 |
| Net operating income to assets | -3.3381% | 7,886 |
| Return on assets (ROA) | -4.3499% | 8,017 |
| Pretax return on assets | -4.6147% | 7,978 |
| Return on Equity (ROE) | -81.7692% | 8,250 |
| Retained earnings to average equity (ytd only) | -81.7692% | 8,246 |
| Net charge-offs to loans | 4.4429% | 134 |
| Credit loss provision to net charge-offs | 167.4668% | 3,068 |
| Earnings coverage of net charge-offs (x) | 0.2485% | 6,079 |
| Efficiency ratio | 87.5360% | 1,720 |
| Assets per employee ($millions) | 2.5914% | 7,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6636% | 122 |
| Loan loss allowance to noncurrent loans | 65.6942% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 4.3552% | 888 |
| Noncurrent loans to loans | 7.0989% | 426 |
| Net loans and leases to total assets | 51.1987% | 6,920 |
| Net loans and leases to deposits | 56.0930% | 7,313 |
| Net loans and leases to core deposits | 85.6471% | 6,158 |
| Total domestic deposits to total assets | 91.2748% | 255 |
| Equity capital to assets | 2.3263% | 8,281 |
| Core capital (leverage) ratio | 2.0418% | 8,288 |
| Tier 1 risk-based capital ratio | 3.1586% | 8,285 |
| Total risk-based capital ratio | 4.4454% | 8,287 |
| Memoranda: | ||
| Average total assets | $266,993,200 | 2,404 |
| Average earning assets | $233,017,600 | 2,528 |
| Average equity | $14,203,400 | 4,293 |
| Average total loans | $149,091,200 | 2,946 |