Home > Bank of Willits > Performance and Condition Ratios
Bank of Willits, 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 | 4.6284% | 6,376 |
| Cost of funding earning assets | 1.0124% | 6,083 |
| Net interest margin | 3.6161% | 4,747 |
| Noninterest income to average assets | 0.3397% | 5,430 |
| Noninterest expense to average assets | 3.0267% | 3,610 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4363% | 4,597 |
| Return on assets (ROA) | 0.4363% | 4,751 |
| Pretax return on assets | 0.6884% | 4,279 |
| Return on Equity (ROE) | 2.8265% | 5,320 |
| Retained earnings to average equity (ytd only) | -1.5062% | 6,065 |
| Net charge-offs to loans | -0.0280% | 7,340 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4709% | 2,238 |
| Assets per employee ($millions) | 4.2780% | 3,257 |
| Cash dividends to net income (ytd only)* | 153.2872% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1803% | 1,803 |
| Loan loss allowance to noncurrent loans | 49.4862% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 1.9628% | 3,538 |
| Noncurrent loans to loans | 4.4059% | 1,660 |
| Net loans and leases to total assets | 40.7320% | 7,119 |
| Net loans and leases to deposits | 48.6097% | 7,134 |
| Net loans and leases to core deposits | 51.0413% | 7,168 |
| Total domestic deposits to total assets | 83.7941% | 4,202 |
| Equity capital to assets | 15.4640% | 777 |
| Core capital (leverage) ratio | 15.1602% | 691 |
| Tier 1 risk-based capital ratio | 26.7320% | 720 |
| Total risk-based capital ratio | 27.9865% | 706 |
| Memoranda: | ||
| Average total assets | $132,487,000 | 4,289 |
| Average earning assets | $123,670,000 | 4,239 |
| Average equity | $20,449,330 | 3,117 |
| Average total loans | $57,042,000 | 5,306 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 6,408 |
| Cost of funding earning assets | 1.0379% | 6,180 |
| Net interest margin | 3.6132% | 4,667 |
| Noninterest income to average assets | 0.3534% | 5,313 |
| Noninterest expense to average assets | 2.7458% | 4,704 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6253% | 3,776 |
| Return on assets (ROA) | 0.6253% | 3,905 |
| Pretax return on assets | 0.9938% | 3,118 |
| Return on Equity (ROE) | 4.0548% | 4,873 |
| Retained earnings to average equity (ytd only) | -1.9001% | 6,199 |
| Net charge-offs to loans | -0.0552% | 7,371 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4249% | 3,688 |
| Assets per employee ($millions) | 4.1374% | 3,584 |
| Cash dividends to net income (ytd only)* | 146.8599% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0858% | 1,984 |
| Loan loss allowance to noncurrent loans | 49.2635% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 1.9744% | 3,531 |
| Noncurrent loans to loans | 4.2339% | 1,811 |
| Net loans and leases to total assets | 42.6909% | 7,079 |
| Net loans and leases to deposits | 50.8086% | 7,090 |
| Net loans and leases to core deposits | 53.3610% | 7,141 |
| Total domestic deposits to total assets | 84.0229% | 4,139 |
| Equity capital to assets | 15.4083% | 781 |
| Core capital (leverage) ratio | 15.4794% | 658 |
| Tier 1 risk-based capital ratio | 24.9991% | 865 |
| Total risk-based capital ratio | 26.2526% | 843 |
| Memoranda: | ||
| Average total assets | $132,421,500 | 4,354 |
| Average earning assets | $124,102,000 | 4,283 |
| Average equity | $20,420,000 | 3,144 |
| Average total loans | $57,952,000 | 5,340 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0779% | 6,168 |
| Cost of funding earning assets | 1.3799% | 6,018 |
| Net interest margin | 3.6980% | 4,153 |
| Noninterest income to average assets | 0.3715% | 5,432 |
| Noninterest expense to average assets | 2.8047% | 4,960 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7546% | 2,699 |
| Return on assets (ROA) | 0.7275% | 2,899 |
| Pretax return on assets | 1.0015% | 2,587 |
| Return on Equity (ROE) | 4.6864% | 3,802 |
| Retained earnings to average equity (ytd only) | 1.7748% | 3,849 |
| Net charge-offs to loans | -0.0083% | 7,739 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9762% | 4,100 |
| Assets per employee ($millions) | 4.2725% | 3,313 |
| Cash dividends to net income (ytd only)* | 62.1277% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0557% | 1,900 |
| Loan loss allowance to noncurrent loans | 47.3851% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 1.9057% | 3,523 |
| Noncurrent loans to loans | 4.3383% | 1,654 |
| Net loans and leases to total assets | 43.0232% | 7,180 |
| Net loans and leases to deposits | 51.1444% | 7,196 |
| Net loans and leases to core deposits | 62.9368% | 7,155 |
| Total domestic deposits to total assets | 84.1212% | 3,976 |
| Equity capital to assets | 15.4326% | 807 |
| Core capital (leverage) ratio | 15.1779% | 745 |
| Tier 1 risk-based capital ratio | 25.4280% | 802 |
| Total risk-based capital ratio | 26.6818% | 790 |
| Memoranda: | ||
| Average total assets | $129,212,000 | 4,352 |
| Average earning assets | $121,310,200 | 4,283 |
| Average equity | $20,058,200 | 3,185 |
| Average total loans | $60,059,200 | 5,248 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2139% | 5,821 |
| Cost of funding earning assets | 1.4596% | 6,000 |
| Net interest margin | 3.7542% | 3,843 |
| Noninterest income to average assets | 0.3790% | 5,482 |
| Noninterest expense to average assets | 2.7859% | 4,949 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8141% | 2,747 |
| Return on assets (ROA) | 0.7777% | 2,965 |
| Pretax return on assets | 1.0633% | 2,698 |
| Return on Equity (ROE) | 5.0025% | 3,968 |
| Retained earnings to average equity (ytd only) | 1.1020% | 4,707 |
| Net charge-offs to loans | -0.0110% | 7,696 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4514% | 4,337 |
| Assets per employee ($millions) | 4.1928% | 3,389 |
| Cash dividends to net income (ytd only)* | 77.9710% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0597% | 1,671 |
| Loan loss allowance to noncurrent loans | 50.6136% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 1.7612% | 3,720 |
| Noncurrent loans to loans | 4.0694% | 1,801 |
| Net loans and leases to total assets | 42.3883% | 7,337 |
| Net loans and leases to deposits | 50.3470% | 7,393 |
| Net loans and leases to core deposits | 64.3946% | 7,232 |
| Total domestic deposits to total assets | 84.1923% | 3,632 |
| Equity capital to assets | 15.1428% | 962 |
| Core capital (leverage) ratio | 15.0405% | 848 |
| Tier 1 risk-based capital ratio | 24.4540% | 952 |
| Total risk-based capital ratio | 25.7070% | 935 |
| Memoranda: | ||
| Average total assets | $128,403,250 | 4,402 |
| Average earning assets | $120,394,000 | 4,340 |
| Average equity | $19,962,750 | 3,236 |
| Average total loans | $60,529,250 | 5,258 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3459% | 5,413 |
| Cost of funding earning assets | 1.5404% | 5,975 |
| Net interest margin | 3.8055% | 3,533 |
| Noninterest income to average assets | 0.3858% | 5,414 |
| Noninterest expense to average assets | 2.5616% | 5,895 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9861% | 2,160 |
| Return on assets (ROA) | 1.0737% | 1,938 |
| Pretax return on assets | 1.5180% | 1,394 |
| Return on Equity (ROE) | 6.8431% | 3,266 |
| Retained earnings to average equity (ytd only) | 3.7794% | 3,192 |
| Net charge-offs to loans | 0.0065% | 6,509 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 441.0000% | 78 |
| Efficiency ratio | 64.7482% | 5,764 |
| Assets per employee ($millions) | 3.8927% | 3,889 |
| Cash dividends to net income (ytd only)* | 44.7717% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9915% | 1,580 |
| Loan loss allowance to noncurrent loans | 34.2060% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 2.6263% | 2,445 |
| Noncurrent loans to loans | 5.8222% | 961 |
| Net loans and leases to total assets | 44.2106% | 7,311 |
| Net loans and leases to deposits | 52.5973% | 7,351 |
| Net loans and leases to core deposits | 67.0824% | 7,168 |
| Total domestic deposits to total assets | 84.0548% | 3,736 |
| Equity capital to assets | 15.3680% | 955 |
| Core capital (leverage) ratio | 15.7798% | 772 |
| Tier 1 risk-based capital ratio | 22.0368% | 1,248 |
| Total risk-based capital ratio | 23.2824% | 1,222 |
| Memoranda: | ||
| Average total assets | $126,481,330 | 4,459 |
| Average earning assets | $118,669,670 | 4,399 |
| Average equity | $19,844,670 | 3,268 |
| Average total loans | $61,349,670 | 5,275 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6012% | 4,348 |
| Cost of funding earning assets | 1.7219% | 5,512 |
| Net interest margin | 3.8794% | 3,137 |
| Noninterest income to average assets | 0.3918% | 5,284 |
| Noninterest expense to average assets | 2.4736% | 5,939 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1785% | 1,719 |
| Return on assets (ROA) | 1.1785% | 1,825 |
| Pretax return on assets | 1.5508% | 1,531 |
| Return on Equity (ROE) | 7.4297% | 3,411 |
| Retained earnings to average equity (ytd only) | 1.2247% | 5,149 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4642% | 6,160 |
| Assets per employee ($millions) | 3.5966% | 4,572 |
| Cash dividends to net income (ytd only)* | 83.5165% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9160% | 1,586 |
| Loan loss allowance to noncurrent loans | 1,113.0841% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 6,593 |
| Noncurrent loans to loans | 0.1721% | 7,032 |
| Net loans and leases to total assets | 49.8585% | 6,875 |
| Net loans and leases to deposits | 59.7068% | 6,919 |
| Net loans and leases to core deposits | 77.8122% | 6,549 |
| Total domestic deposits to total assets | 83.5056% | 3,917 |
| Equity capital to assets | 15.9522% | 879 |
| Core capital (leverage) ratio | 16.1588% | 759 |
| Tier 1 risk-based capital ratio | 22.6205% | 1,227 |
| Total risk-based capital ratio | 23.8714% | 1,200 |
| Memoranda: | ||
| Average total assets | $123,545,500 | 4,559 |
| Average earning assets | $115,688,500 | 4,488 |
| Average equity | $19,597,000 | 3,323 |
| Average total loans | $62,173,000 | 5,282 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1768% | 4,634 |
| Cost of funding earning assets | 2.2112% | 5,551 |
| Net interest margin | 3.9656% | 3,284 |
| Noninterest income to average assets | 0.3920% | 5,542 |
| Noninterest expense to average assets | 2.3650% | 6,521 |
| Loan and lease loss provision to assets | 0.0570% | 6,702 |
| Net operating income to assets | 1.6609% | 728 |
| Return on assets (ROA) | 0.2420% | 5,546 |
| Pretax return on assets | 0.2298% | 5,664 |
| Return on Equity (ROE) | 1.5055% | 5,766 |
| Retained earnings to average equity (ytd only) | -1.4548% | 5,724 |
| Net charge-offs to loans | 0.0211% | 6,564 |
| Credit loss provision to net charge-offs | 538.4615% | 814 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 288 |
| Efficiency ratio | 58.0981% | 6,683 |
| Assets per employee ($millions) | 3.6708% | 4,237 |
| Cash dividends to net income (ytd only)* | 196.6330% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9152% | 1,386 |
| Loan loss allowance to noncurrent loans | 916.1538% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 6,568 |
| Noncurrent loans to loans | 0.2091% | 6,759 |
| Net loans and leases to total assets | 48.8715% | 7,117 |
| Net loans and leases to deposits | 58.3695% | 7,183 |
| Net loans and leases to core deposits | 75.6086% | 6,879 |
| Total domestic deposits to total assets | 83.7277% | 3,472 |
| Equity capital to assets | 15.7740% | 981 |
| Core capital (leverage) ratio | 15.8186% | 861 |
| Tier 1 risk-based capital ratio | 22.6535% | 1,232 |
| Total risk-based capital ratio | 23.9054% | 1,202 |
| Memoranda: | ||
| Average total assets | $122,706,000 | 4,454 |
| Average earning assets | $113,828,800 | 4,421 |
| Average equity | $19,728,000 | 3,271 |
| Average total loans | $61,567,600 | 5,199 |