Home > The Bank of Western Massachusetts > Performance and Condition Ratios
The Bank of Western Massachusetts, Performance and Condition Ratios
| 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 | 5.9721% | 5,686 |
| Cost of funding earning assets | 1.8005% | 7,005 |
| Net interest margin | 4.1717% | 2,430 |
| Noninterest income to average assets | 0.8964% | 1,970 |
| Noninterest expense to average assets | 2.9628% | 4,215 |
| Loan and lease loss provision to assets | 0.1402% | 5,560 |
| Net operating income to assets | 0.9565% | 2,759 |
| Return on assets (ROA) | 0.9796% | 2,522 |
| Pretax return on assets | 1.4599% | 1,790 |
| Return on Equity (ROE) | 5.9511% | 3,962 |
| Retained earnings to average equity (ytd only) | 5.9511% | 1,556 |
| Net charge-offs to loans | 0.1531% | 4,666 |
| Credit loss provision to net charge-offs | 108.4507% | 4,955 |
| Earnings coverage of net charge-offs (x) | 12.1074% | 2,288 |
| Efficiency ratio | 61.5354% | 6,042 |
| Assets per employee ($millions) | 6.3353% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 4,544 |
| Loan loss allowance to noncurrent loans | 243.4897% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.5077% | 5,663 |
| Noncurrent loans to loans | 0.4921% | 5,874 |
| Net loans and leases to total assets | 84.0011% | 887 |
| Net loans and leases to deposits | 144.9001% | 91 |
| Net loans and leases to core deposits | 174.1357% | 346 |
| Total domestic deposits to total assets | 57.9718% | 8,016 |
| Equity capital to assets | 18.3900% | 612 |
| Core capital (leverage) ratio | 8.8519% | 4,970 |
| Tier 1 risk-based capital ratio | 10.4173% | 6,297 |
| Total risk-based capital ratio | 11.6684% | 6,171 |
| Memoranda: | ||
| Average total assets | $878,504,000 | 770 |
| Average earning assets | $764,853,200 | 808 |
| Average equity | $144,611,000 | 480 |
| Average total loans | $742,121,800 | 647 |