Home > Bank of Dwight > Performance and Condition Ratios
Bank of Dwight, 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 | 4.8296% | 5,685 |
| Cost of funding earning assets | 1.6074% | 2,611 |
| Net interest margin | 3.2222% | 6,251 |
| Noninterest income to average assets | 0.2476% | 6,137 |
| Noninterest expense to average assets | 2.8277% | 4,369 |
| Loan and lease loss provision to assets | 2.6847% | 398 |
| Net operating income to assets | -0.4834% | 6,636 |
| Return on assets (ROA) | -0.4254% | 6,629 |
| Pretax return on assets | -2.1617% | 7,281 |
| Return on Equity (ROE) | -4.5227% | 6,656 |
| Retained earnings to average equity (ytd only) | -5.4495% | 6,605 |
| Net charge-offs to loans | 2.6608% | 623 |
| Credit loss provision to net charge-offs | 208.6721% | 1,864 |
| Earnings coverage of net charge-offs (x) | 0.3360% | 5,390 |
| Efficiency ratio | 86.7380% | 1,627 |
| Assets per employee ($millions) | 5.7612% | 1,399 |
| Cash dividends to net income (ytd only)* | -20.4918% | 7,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2590% | 669 |
| Loan loss allowance to noncurrent loans | 52.5335% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 3.1278% | 2,261 |
| Noncurrent loans to loans | 6.2037% | 1,009 |
| Net loans and leases to total assets | 46.4747% | 6,746 |
| Net loans and leases to deposits | 51.5657% | 6,999 |
| Net loans and leases to core deposits | 63.1382% | 6,471 |
| Total domestic deposits to total assets | 90.1271% | 853 |
| Equity capital to assets | 9.3019% | 5,004 |
| Core capital (leverage) ratio | 8.7017% | 5,068 |
| Tier 1 risk-based capital ratio | 16.5302% | 2,459 |
| Total risk-based capital ratio | 17.6582% | 2,457 |
| Memoranda: | ||
| Average total assets | $57,362,000 | 6,421 |
| Average earning assets | $53,628,000 | 6,340 |
| Average equity | $5,395,000 | 6,648 |
| Average total loans | $27,735,670 | 6,653 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8717% | 5,600 |
| Cost of funding earning assets | 1.6364% | 2,730 |
| Net interest margin | 3.2353% | 6,178 |
| Noninterest income to average assets | 0.2236% | 6,364 |
| Noninterest expense to average assets | 3.5432% | 1,868 |
| Loan and lease loss provision to assets | 0.8875% | 1,433 |
| Net operating income to assets | -1.1950% | 7,214 |
| Return on assets (ROA) | -1.1950% | 7,233 |
| Pretax return on assets | -1.1950% | 7,144 |
| Return on Equity (ROE) | -12.6362% | 7,243 |
| Retained earnings to average equity (ytd only) | -14.4837% | 7,188 |
| Net charge-offs to loans | 4.6966% | 267 |
| Credit loss provision to net charge-offs | 38.9571% | 4,658 |
| Earnings coverage of net charge-offs (x) | -0.1350% | 5,123 |
| Efficiency ratio | 109.5032% | 612 |
| Assets per employee ($millions) | 5.0950% | 2,101 |
| Cash dividends to net income (ytd only)* | -14.6199% | 7,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 6,127 |
| Loan loss allowance to noncurrent loans | 17.2571% | 7,139 |
| Noncurrent assets plus other real estate owned to assets | 3.2742% | 2,189 |
| Noncurrent loans to loans | 6.2253% | 1,034 |
| Net loans and leases to total assets | 49.6191% | 6,507 |
| Net loans and leases to deposits | 55.2786% | 6,825 |
| Net loans and leases to core deposits | 71.1938% | 5,807 |
| Total domestic deposits to total assets | 89.7618% | 1,106 |
| Equity capital to assets | 9.4888% | 4,550 |
| Core capital (leverage) ratio | 8.7061% | 5,016 |
| Tier 1 risk-based capital ratio | 16.5573% | 2,427 |
| Total risk-based capital ratio | 17.5740% | 2,480 |
| Memoranda: | ||
| Average total assets | $57,237,000 | 6,500 |
| Average earning assets | $53,287,000 | 6,422 |
| Average equity | $5,413,000 | 6,706 |
| Average total loans | $27,765,000 | 6,732 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2360% | 5,480 |
| Cost of funding earning assets | 2.1168% | 2,382 |
| Net interest margin | 3.1191% | 6,313 |
| Noninterest income to average assets | 0.2418% | 6,364 |
| Noninterest expense to average assets | 1.7779% | 7,632 |
| Loan and lease loss provision to assets | 0.6878% | 3,076 |
| Net operating income to assets | 0.5715% | 3,436 |
| Return on assets (ROA) | 0.4610% | 4,005 |
| Pretax return on assets | 0.5347% | 4,096 |
| Return on Equity (ROE) | 4.5626% | 3,854 |
| Retained earnings to average equity (ytd only) | 3.1602% | 2,945 |
| Net charge-offs to loans | 1.2230% | 2,016 |
| Credit loss provision to net charge-offs | 108.6567% | 5,093 |
| Earnings coverage of net charge-offs (x) | 2.1343% | 4,128 |
| Efficiency ratio | 56.8237% | 6,910 |
| Assets per employee ($millions) | 5.3117% | 1,829 |
| Cash dividends to net income (ytd only)* | 30.7377% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8272% | 2,457 |
| Loan loss allowance to noncurrent loans | 39.6989% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 2.3054% | 3,000 |
| Noncurrent loans to loans | 4.6026% | 1,532 |
| Net loans and leases to total assets | 46.0696% | 6,963 |
| Net loans and leases to deposits | 51.2577% | 7,188 |
| Net loans and leases to core deposits | 77.6451% | 6,283 |
| Total domestic deposits to total assets | 89.8783% | 1,023 |
| Equity capital to assets | 9.4268% | 4,517 |
| Core capital (leverage) ratio | 9.1382% | 4,215 |
| Tier 1 risk-based capital ratio | 17.3137% | 2,078 |
| Total risk-based capital ratio | 18.5695% | 2,038 |
| Memoranda: | ||
| Average total assets | $52,926,200 | 6,598 |
| Average earning assets | $48,988,200 | 6,563 |
| Average equity | $5,347,800 | 6,825 |
| Average total loans | $27,391,800 | 6,777 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2951% | 5,447 |
| Cost of funding earning assets | 2.2065% | 2,385 |
| Net interest margin | 3.0886% | 6,342 |
| Noninterest income to average assets | 0.2690% | 6,306 |
| Noninterest expense to average assets | 1.8855% | 7,562 |
| Loan and lease loss provision to assets | 0.6078% | 2,959 |
| Net operating income to assets | 0.5136% | 3,924 |
| Return on assets (ROA) | 0.4966% | 4,096 |
| Pretax return on assets | 0.6078% | 4,160 |
| Return on Equity (ROE) | 4.8229% | 4,037 |
| Retained earnings to average equity (ytd only) | 4.1950% | 2,935 |
| Net charge-offs to loans | 0.8520% | 2,262 |
| Credit loss provision to net charge-offs | 134.2857% | 3,709 |
| Earnings coverage of net charge-offs (x) | 2.7314% | 3,862 |
| Efficiency ratio | 60.3977% | 6,357 |
| Assets per employee ($millions) | 4.6223% | 2,671 |
| Cash dividends to net income (ytd only)* | 13.0200% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8893% | 2,061 |
| Loan loss allowance to noncurrent loans | 50.2841% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 1.9038% | 3,497 |
| Noncurrent loans to loans | 3.7573% | 1,983 |
| Net loans and leases to total assets | 49.7124% | 6,800 |
| Net loans and leases to deposits | 55.8721% | 7,098 |
| Net loans and leases to core deposits | 87.4865% | 5,691 |
| Total domestic deposits to total assets | 88.9754% | 1,207 |
| Equity capital to assets | 9.9573% | 4,140 |
| Core capital (leverage) ratio | 9.2084% | 4,321 |
| Tier 1 risk-based capital ratio | 16.9733% | 2,281 |
| Total risk-based capital ratio | 18.2293% | 2,230 |
| Memoranda: | ||
| Average total assets | $51,550,500 | 6,704 |
| Average earning assets | $47,615,000 | 6,664 |
| Average equity | $5,307,750 | 6,900 |
| Average total loans | $27,385,000 | 6,833 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3698% | 5,304 |
| Cost of funding earning assets | 2.2292% | 2,670 |
| Net interest margin | 3.1407% | 6,120 |
| Noninterest income to average assets | 0.2786% | 6,272 |
| Noninterest expense to average assets | 1.9902% | 7,477 |
| Loan and lease loss provision to assets | 0.5095% | 2,988 |
| Net operating income to assets | 0.5294% | 3,986 |
| Return on assets (ROA) | 0.5294% | 4,098 |
| Pretax return on assets | 0.6727% | 4,090 |
| Return on Equity (ROE) | 5.0802% | 4,045 |
| Retained earnings to average equity (ytd only) | 4.1253% | 2,994 |
| Net charge-offs to loans | 1.0757% | 1,681 |
| Credit loss provision to net charge-offs | 87.6712% | 4,992 |
| Earnings coverage of net charge-offs (x) | 2.0342% | 4,068 |
| Efficiency ratio | 62.7353% | 6,134 |
| Assets per employee ($millions) | 4.3271% | 3,064 |
| Cash dividends to net income (ytd only)* | 18.7970% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6452% | 2,548 |
| Loan loss allowance to noncurrent loans | 45.7200% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 2.0568% | 3,119 |
| Noncurrent loans to loans | 3.5983% | 1,941 |
| Net loans and leases to total assets | 52.2715% | 6,647 |
| Net loans and leases to deposits | 58.7032% | 6,980 |
| Net loans and leases to core deposits | 86.4010% | 5,861 |
| Total domestic deposits to total assets | 89.0438% | 1,245 |
| Equity capital to assets | 10.1050% | 3,810 |
| Core capital (leverage) ratio | 9.6392% | 3,717 |
| Tier 1 risk-based capital ratio | 17.2993% | 2,211 |
| Total risk-based capital ratio | 18.5528% | 2,149 |
| Memoranda: | ||
| Average total assets | $50,245,000 | 6,817 |
| Average earning assets | $46,295,670 | 6,786 |
| Average equity | $5,236,000 | 6,987 |
| Average total loans | $27,145,000 | 6,906 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4196% | 5,320 |
| Cost of funding earning assets | 2.2047% | 3,143 |
| Net interest margin | 3.2149% | 5,815 |
| Noninterest income to average assets | 0.2753% | 6,224 |
| Noninterest expense to average assets | 1.9512% | 7,444 |
| Loan and lease loss provision to assets | 0.3158% | 3,443 |
| Net operating income to assets | 0.7611% | 3,294 |
| Return on assets (ROA) | 0.7611% | 3,469 |
| Pretax return on assets | 0.9716% | 3,460 |
| Return on Equity (ROE) | 7.1886% | 3,508 |
| Retained earnings to average equity (ytd only) | 7.1886% | 2,138 |
| Net charge-offs to loans | 1.1739% | 1,175 |
| Credit loss provision to net charge-offs | 49.3671% | 4,699 |
| Earnings coverage of net charge-offs (x) | 2.0127% | 3,715 |
| Efficiency ratio | 60.2500% | 6,367 |
| Assets per employee ($millions) | 4.4554% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6208% | 2,440 |
| Loan loss allowance to noncurrent loans | 45.1983% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 2.1078% | 2,739 |
| Noncurrent loans to loans | 3.5859% | 1,757 |
| Net loans and leases to total assets | 53.6289% | 6,514 |
| Net loans and leases to deposits | 60.6942% | 6,833 |
| Net loans and leases to core deposits | 84.1622% | 6,050 |
| Total domestic deposits to total assets | 88.3593% | 1,543 |
| Equity capital to assets | 10.8103% | 3,174 |
| Core capital (leverage) ratio | 10.0400% | 3,366 |
| Tier 1 risk-based capital ratio | 17.9270% | 2,075 |
| Total risk-based capital ratio | 19.1819% | 2,020 |
| Memoranda: | ||
| Average total assets | $49,405,000 | 6,894 |
| Average earning assets | $45,538,500 | 6,857 |
| Average equity | $5,230,500 | 7,044 |
| Average total loans | $26,919,500 | 6,941 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9773% | 5,658 |
| Cost of funding earning assets | 2.7629% | 2,864 |
| Net interest margin | 3.2143% | 6,328 |
| Noninterest income to average assets | 0.2529% | 6,639 |
| Noninterest expense to average assets | 2.0006% | 7,442 |
| Loan and lease loss provision to assets | 1.1411% | 1,277 |
| Net operating income to assets | 0.1871% | 5,883 |
| Return on assets (ROA) | 0.2488% | 5,525 |
| Pretax return on assets | 0.2036% | 5,724 |
| Return on Equity (ROE) | 2.3230% | 5,494 |
| Retained earnings to average equity (ytd only) | -3.4365% | 6,218 |
| Net charge-offs to loans | 1.7218% | 641 |
| Credit loss provision to net charge-offs | 116.1088% | 4,647 |
| Earnings coverage of net charge-offs (x) | 1.3054% | 5,472 |
| Efficiency ratio | 60.9267% | 6,178 |
| Assets per employee ($millions) | 4.5274% | 2,572 |
| Cash dividends to net income (ytd only)* | 247.9339% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7402% | 1,798 |
| Loan loss allowance to noncurrent loans | 39.4649% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 2.5522% | 1,897 |
| Noncurrent loans to loans | 4.4095% | 1,084 |
| Net loans and leases to total assets | 53.5150% | 6,704 |
| Net loans and leases to deposits | 60.0816% | 7,081 |
| Net loans and leases to core deposits | 82.2765% | 6,436 |
| Total domestic deposits to total assets | 89.0705% | 1,019 |
| Equity capital to assets | 10.3673% | 3,647 |
| Core capital (leverage) ratio | 9.9439% | 3,504 |
| Tier 1 risk-based capital ratio | 16.4691% | 2,497 |
| Total risk-based capital ratio | 17.7233% | 2,427 |
| Memoranda: | ||
| Average total assets | $48,636,200 | 6,836 |
| Average earning assets | $45,857,200 | 6,774 |
| Average equity | $5,208,800 | 7,080 |
| Average total loans | $27,762,400 | 6,857 |