Home > Bank of Tacoma > Performance and Condition Ratios
Bank of Tacoma, 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 | 5.1919% | 5,684 |
| Cost of funding earning assets | 2.0908% | 2,511 |
| Net interest margin | 3.1011% | 6,366 |
| Noninterest income to average assets | 0.2752% | 6,139 |
| Noninterest expense to average assets | 4.5656% | 746 |
| Loan and lease loss provision to assets | 4.7654% | 226 |
| Net operating income to assets | -8.2345% | 7,941 |
| Return on assets (ROA) | -8.2345% | 7,937 |
| Pretax return on assets | -6.1060% | 7,813 |
| Return on Equity (ROE) | -73.8367% | 7,831 |
| Retained earnings to average equity (ytd only) | -73.8367% | 7,827 |
| Net charge-offs to loans | 4.1282% | 386 |
| Credit loss provision to net charge-offs | 139.8697% | 3,489 |
| Earnings coverage of net charge-offs (x) | -0.3935% | 6,622 |
| Efficiency ratio | 141.5692% | 370 |
| Assets per employee ($millions) | 5.6041% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4345% | 265 |
| Loan loss allowance to noncurrent loans | 90.0326% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 3.9129% | 1,695 |
| Noncurrent loans to loans | 4.9254% | 1,383 |
| Net loans and leases to total assets | 75.9209% | 1,817 |
| Net loans and leases to deposits | 94.0179% | 1,597 |
| Net loans and leases to core deposits | 97.3905% | 4,303 |
| Total domestic deposits to total assets | 80.7515% | 5,422 |
| Equity capital to assets | 7.1350% | 7,300 |
| Core capital (leverage) ratio | 6.9142% | 7,303 |
| Tier 1 risk-based capital ratio | 9.2780% | 7,342 |
| Total risk-based capital ratio | 10.5708% | 7,306 |
| Memoranda: | ||
| Average total assets | $45,054,200 | 6,911 |
| Average earning assets | $42,855,200 | 6,821 |
| Average equity | $5,024,600 | 6,932 |
| Average total loans | $37,183,200 | 6,243 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1551% | 6,087 |
| Cost of funding earning assets | 2.1596% | 2,603 |
| Net interest margin | 2.9955% | 6,626 |
| Noninterest income to average assets | 0.2924% | 6,138 |
| Noninterest expense to average assets | 4.4405% | 796 |
| Loan and lease loss provision to assets | 3.1935% | 435 |
| Net operating income to assets | -7.2555% | 7,985 |
| Return on assets (ROA) | -7.2555% | 7,987 |
| Pretax return on assets | -4.5064% | 7,756 |
| Return on Equity (ROE) | -60.4655% | 7,895 |
| Retained earnings to average equity (ytd only) | -60.4655% | 7,892 |
| Net charge-offs to loans | 2.6502% | 682 |
| Credit loss provision to net charge-offs | 144.8635% | 3,359 |
| Earnings coverage of net charge-offs (x) | -0.5956% | 6,518 |
| Efficiency ratio | 141.9798% | 362 |
| Assets per employee ($millions) | 4.3936% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1841% | 572 |
| Loan loss allowance to noncurrent loans | 65.2428% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 3.8897% | 1,650 |
| Noncurrent loans to loans | 4.8803% | 1,383 |
| Net loans and leases to total assets | 77.1645% | 1,752 |
| Net loans and leases to deposits | 96.3811% | 1,525 |
| Net loans and leases to core deposits | 101.0190% | 4,262 |
| Total domestic deposits to total assets | 80.0619% | 5,409 |
| Equity capital to assets | 9.0541% | 5,406 |
| Core capital (leverage) ratio | 8.0596% | 6,252 |
| Tier 1 risk-based capital ratio | 11.1003% | 5,853 |
| Total risk-based capital ratio | 12.3727% | 5,784 |
| Memoranda: | ||
| Average total assets | $46,510,500 | 6,897 |
| Average earning assets | $44,020,250 | 6,816 |
| Average equity | $5,581,000 | 6,819 |
| Average total loans | $38,687,750 | 6,216 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9928% | 6,799 |
| Cost of funding earning assets | 2.1861% | 2,858 |
| Net interest margin | 2.8068% | 7,003 |
| Noninterest income to average assets | 0.3251% | 5,912 |
| Noninterest expense to average assets | 4.3235% | 920 |
| Loan and lease loss provision to assets | 2.7740% | 549 |
| Net operating income to assets | -2.7360% | 7,617 |
| Return on assets (ROA) | -2.7360% | 7,608 |
| Pretax return on assets | -4.1378% | 7,767 |
| Return on Equity (ROE) | -21.1926% | 7,535 |
| Retained earnings to average equity (ytd only) | -21.1926% | 7,490 |
| Net charge-offs to loans | 2.4905% | 694 |
| Credit loss provision to net charge-offs | 132.1932% | 3,535 |
| Earnings coverage of net charge-offs (x) | -0.6499% | 6,141 |
| Efficiency ratio | 146.0770% | 389 |
| Assets per employee ($millions) | 4.3314% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4086% | 980 |
| Loan loss allowance to noncurrent loans | 35.5505% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 5.4906% | 923 |
| Noncurrent loans to loans | 6.7753% | 747 |
| Net loans and leases to total assets | 79.0870% | 1,502 |
| Net loans and leases to deposits | 95.0916% | 1,938 |
| Net loans and leases to core deposits | 98.0867% | 4,692 |
| Total domestic deposits to total assets | 83.1693% | 4,160 |
| Equity capital to assets | 12.3014% | 2,027 |
| Core capital (leverage) ratio | 9.6711% | 3,673 |
| Tier 1 risk-based capital ratio | 11.9659% | 4,952 |
| Total risk-based capital ratio | 13.2305% | 4,856 |
| Memoranda: | ||
| Average total assets | $47,368,670 | 6,929 |
| Average earning assets | $44,463,670 | 6,863 |
| Average equity | $6,115,330 | 6,680 |
| Average total loans | $39,911,000 | 6,209 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9149% | 7,136 |
| Cost of funding earning assets | 2.1491% | 3,414 |
| Net interest margin | 2.7658% | 7,063 |
| Noninterest income to average assets | 0.2541% | 6,427 |
| Noninterest expense to average assets | 4.0059% | 1,181 |
| Loan and lease loss provision to assets | 5.6574% | 134 |
| Net operating income to assets | -4.5140% | 8,014 |
| Return on assets (ROA) | -4.5140% | 8,006 |
| Pretax return on assets | -6.8261% | 8,076 |
| Return on Equity (ROE) | -34.1530% | 7,941 |
| Retained earnings to average equity (ytd only) | -34.1530% | 7,906 |
| Net charge-offs to loans | 3.1853% | 399 |
| Credit loss provision to net charge-offs | 206.8111% | 2,161 |
| Earnings coverage of net charge-offs (x) | -0.4272% | 5,225 |
| Efficiency ratio | 141.1940% | 402 |
| Assets per employee ($millions) | 4.5655% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7230% | 614 |
| Loan loss allowance to noncurrent loans | 97.2101% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 2.2840% | 2,511 |
| Noncurrent loans to loans | 2.8012% | 2,339 |
| Net loans and leases to total assets | 79.3150% | 1,513 |
| Net loans and leases to deposits | 94.5455% | 2,184 |
| Net loans and leases to core deposits | 100.8482% | 4,456 |
| Total domestic deposits to total assets | 83.8909% | 3,755 |
| Equity capital to assets | 11.8996% | 2,324 |
| Core capital (leverage) ratio | 10.7479% | 2,698 |
| Tier 1 risk-based capital ratio | 11.2114% | 5,693 |
| Total risk-based capital ratio | 12.4781% | 5,582 |
| Memoranda: | ||
| Average total assets | $47,230,500 | 6,971 |
| Average earning assets | $44,110,500 | 6,926 |
| Average equity | $6,242,500 | 6,673 |
| Average total loans | $40,561,000 | 6,211 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4036% | 3,402 |
| Cost of funding earning assets | 2.9093% | 2,226 |
| Net interest margin | 3.4943% | 5,311 |
| Noninterest income to average assets | 0.1350% | 7,428 |
| Noninterest expense to average assets | 5.4629% | 508 |
| Loan and lease loss provision to assets | 1.5470% | 865 |
| Net operating income to assets | -2.4188% | 7,686 |
| Return on assets (ROA) | -2.4188% | 7,653 |
| Pretax return on assets | -3.6488% | 7,838 |
| Return on Equity (ROE) | -11.8986% | 7,420 |
| Retained earnings to average equity (ytd only) | -11.8986% | 7,238 |
| Net charge-offs to loans | 0.1387% | 4,836 |
| Credit loss provision to net charge-offs | 1,254.7619% | 362 |
| Earnings coverage of net charge-offs (x) | -17.0476% | 6,934 |
| Efficiency ratio | 162.5328% | 306 |
| Assets per employee ($millions) | 4.0219% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9166% | 1,382 |
| Loan loss allowance to noncurrent loans | 65.0888% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 2.6740% | 1,778 |
| Noncurrent loans to loans | 2.9446% | 1,821 |
| Net loans and leases to total assets | 89.0690% | 276 |
| Net loans and leases to deposits | 107.6169% | 999 |
| Net loans and leases to core deposits | 111.7999% | 3,584 |
| Total domestic deposits to total assets | 82.7649% | 3,869 |
| Equity capital to assets | 14.7126% | 1,245 |
| Core capital (leverage) ratio | 13.5409% | 1,374 |
| Tier 1 risk-based capital ratio | 12.8600% | 4,184 |
| Total risk-based capital ratio | 14.1159% | 4,108 |
| Memoranda: | ||
| Average total assets | $34,066,000 | 7,455 |
| Average earning assets | $31,451,200 | 7,439 |
| Average equity | $6,925,200 | 6,485 |
| Average total loans | $30,279,400 | 6,690 |