Home > Commercial State Bank of Waterloo > Performance and Condition Ratios
Commercial State Bank of Waterloo, 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 | 6.0350% | 5,393 |
| Cost of funding earning assets | 2.9799% | 1,937 |
| Net interest margin | 3.0551% | 6,777 |
| Noninterest income to average assets | 0.3205% | 6,165 |
| Noninterest expense to average assets | 3.3229% | 2,891 |
| Loan and lease loss provision to assets | 1.8384% | 683 |
| Net operating income to assets | -1.8699% | 7,573 |
| Return on assets (ROA) | -3.2312% | 7,851 |
| Pretax return on assets | -3.5843% | 7,821 |
| Return on Equity (ROE) | -49.9356% | 8,155 |
| Retained earnings to average equity (ytd only) | -49.9356% | 8,137 |
| Net charge-offs to loans | 2.2385% | 462 |
| Credit loss provision to net charge-offs | 120.7566% | 4,449 |
| Earnings coverage of net charge-offs (x) | -0.1533% | 6,353 |
| Efficiency ratio | 107.5546% | 769 |
| Assets per employee ($millions) | 2.6978% | 6,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 3,434 |
| Loan loss allowance to noncurrent loans | 42.6546% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 3.3440% | 1,348 |
| Noncurrent loans to loans | 3.1839% | 1,656 |
| Net loans and leases to total assets | 69.4234% | 4,160 |
| Net loans and leases to deposits | 80.4226% | 4,971 |
| Net loans and leases to core deposits | 93.1243% | 5,535 |
| Total domestic deposits to total assets | 86.3232% | 2,252 |
| Equity capital to assets | 5.6342% | 8,116 |
| Core capital (leverage) ratio | 5.4501% | 8,169 |
| Tier 1 risk-based capital ratio | 8.7186% | 7,941 |
| Total risk-based capital ratio | 9.9848% | 8,012 |
| Memoranda: | ||
| Average total assets | $131,965,000 | 4,231 |
| Average earning assets | $119,603,200 | 4,268 |
| Average equity | $8,539,000 | 5,894 |
| Average total loans | $89,747,400 | 4,234 |