Home > Bank of Wyoming > Performance and Condition Ratios
Bank of Wyoming, Performance and Condition Ratios
| 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 | 4.8490% | 7,135 |
| Cost of funding earning assets | 2.6727% | 1,103 |
| Net interest margin | 2.1763% | 7,765 |
| Noninterest income to average assets | -0.2013% | 8,068 |
| Noninterest expense to average assets | 3.5852% | 2,107 |
| Loan and lease loss provision to assets | 8.9884% | 47 |
| Net operating income to assets | -10.7683% | 8,138 |
| Return on assets (ROA) | -9.7321% | 8,108 |
| Pretax return on assets | -9.7321% | 8,096 |
| Return on Equity (ROE) | -169.4731% | 8,137 |
| Retained earnings to average equity (ytd only) | -169.4731% | 8,135 |
| Net charge-offs to loans | 10.4777% | 52 |
| Credit loss provision to net charge-offs | 115.8700% | 3,997 |
| Earnings coverage of net charge-offs (x) | -0.2294% | 5,907 |
| Efficiency ratio | 198.5915% | 204 |
| Assets per employee ($millions) | 3.5094% | 4,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6602% | 333 |
| Loan loss allowance to noncurrent loans | 8.8581% | 7,513 |
| Noncurrent assets plus other real estate owned to assets | 38.3499% | 7 |
| Noncurrent loans to loans | 41.3205% | 8 |
| Net loans and leases to total assets | 81.4512% | 1,062 |
| Net loans and leases to deposits | 85.8419% | 3,576 |
| Net loans and leases to core deposits | 144.0606% | 836 |
| Total domestic deposits to total assets | 94.8852% | 38 |
| Equity capital to assets | 4.4181% | 8,078 |
| Core capital (leverage) ratio | 4.3204% | 8,071 |
| Tier 1 risk-based capital ratio | 5.6946% | 8,071 |
| Total risk-based capital ratio | 6.9733% | 8,077 |
| Memoranda: | ||
| Average total assets | $94,388,330 | 5,330 |
| Average earning assets | $87,028,670 | 5,299 |
| Average equity | $5,420,330 | 6,922 |
| Average total loans | $69,881,670 | 4,964 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1458% | 1,781 |
| Cost of funding earning assets | 3.0079% | 590 |
| Net interest margin | 3.1380% | 6,072 |
| Noninterest income to average assets | -0.7137% | 8,203 |
| Noninterest expense to average assets | 3.0088% | 3,726 |
| Loan and lease loss provision to assets | 11.4266% | 29 |
| Net operating income to assets | -12.2492% | 8,187 |
| Return on assets (ROA) | -12.2492% | 8,180 |
| Pretax return on assets | -12.2492% | 8,176 |
| Return on Equity (ROE) | -198.2371% | 8,197 |
| Retained earnings to average equity (ytd only) | -198.2371% | 8,196 |
| Net charge-offs to loans | 12.4069% | 40 |
| Credit loss provision to net charge-offs | 130.5019% | 3,068 |
| Earnings coverage of net charge-offs (x) | -0.0940% | 5,068 |
| Efficiency ratio | 137.6289% | 430 |
| Assets per employee ($millions) | 4.3000% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6177% | 291 |
| Loan loss allowance to noncurrent loans | 10.8600% | 7,500 |
| Noncurrent assets plus other real estate owned to assets | 22.9374% | 25 |
| Noncurrent loans to loans | 33.3119% | 12 |
| Net loans and leases to total assets | 64.8302% | 4,835 |
| Net loans and leases to deposits | 76.4389% | 5,160 |
| Net loans and leases to core deposits | 107.0836% | 3,785 |
| Total domestic deposits to total assets | 84.8131% | 3,296 |
| Equity capital to assets | 5.3594% | 8,085 |
| Core capital (leverage) ratio | 4.0462% | 8,167 |
| Tier 1 risk-based capital ratio | 7.5325% | 8,058 |
| Total risk-based capital ratio | 8.8118% | 8,066 |
| Memoranda: | ||
| Average total assets | $106,488,500 | 4,993 |
| Average earning assets | $98,408,000 | 4,958 |
| Average equity | $6,580,000 | 6,554 |
| Average total loans | $75,152,000 | 4,802 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1035% | 911 |
| Cost of funding earning assets | 3.0163% | 1,814 |
| Net interest margin | 4.0872% | 2,770 |
| Noninterest income to average assets | 0.7149% | 3,025 |
| Noninterest expense to average assets | 3.3157% | 2,917 |
| Loan and lease loss provision to assets | 2.3862% | 451 |
| Net operating income to assets | -1.2775% | 7,375 |
| Return on assets (ROA) | -1.2359% | 7,301 |
| Pretax return on assets | -1.2359% | 7,134 |
| Return on Equity (ROE) | -15.4015% | 7,603 |
| Retained earnings to average equity (ytd only) | -15.4015% | 7,484 |
| Net charge-offs to loans | 2.0917% | 507 |
| Credit loss provision to net charge-offs | 150.2452% | 3,495 |
| Earnings coverage of net charge-offs (x) | 0.6981% | 5,805 |
| Efficiency ratio | 74.9413% | 3,407 |
| Assets per employee ($millions) | 3.9459% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8357% | 1,559 |
| Loan loss allowance to noncurrent loans | 12.7087% | 7,458 |
| Noncurrent assets plus other real estate owned to assets | 10.8983% | 130 |
| Noncurrent loans to loans | 14.4441% | 75 |
| Net loans and leases to total assets | 71.8735% | 3,616 |
| Net loans and leases to deposits | 84.3305% | 4,378 |
| Net loans and leases to core deposits | 97.8921% | 5,053 |
| Total domestic deposits to total assets | 85.2284% | 2,738 |
| Equity capital to assets | 6.8342% | 7,811 |
| Core capital (leverage) ratio | 6.6943% | 7,861 |
| Tier 1 risk-based capital ratio | 9.1274% | 7,686 |
| Total risk-based capital ratio | 10.3844% | 7,650 |
| Memoranda: | ||
| Average total assets | $115,540,200 | 4,620 |
| Average earning assets | $104,864,400 | 4,652 |
| Average equity | $9,271,800 | 5,645 |
| Average total loans | $87,728,200 | 4,296 |