Home > Countrywide Bank, FSB > Performance and Condition Ratios
Countrywide Bank, FSB, Performance and Condition Ratios
| 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 | 6.5830% | 736 |
| Cost of funding earning assets | 2.6551% | 1,394 |
| Net interest margin | 3.9279% | 2,941 |
| Noninterest income to average assets | 1.0632% | 1,314 |
| Noninterest expense to average assets | 1.7482% | 7,765 |
| Loan and lease loss provision to assets | 3.8267% | 252 |
| Net operating income to assets | -0.7981% | 7,124 |
| Return on assets (ROA) | 2.2324% | 255 |
| Pretax return on assets | 3.5257% | 78 |
| Return on Equity (ROE) | 22.2542% | 294 |
| Retained earnings to average equity (ytd only) | 22.2542% | 126 |
| Net charge-offs to loans | 0.5579% | 2,074 |
| Credit loss provision to net charge-offs | 1,003.8201% | 610 |
| Earnings coverage of net charge-offs (x) | 6.8652% | 2,428 |
| Efficiency ratio | 39.6167% | 8,055 |
| Assets per employee ($millions) | 6.9682% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2345% | 393 |
| Loan loss allowance to noncurrent loans | 41.7147% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 5.6846% | 734 |
| Noncurrent loans to loans | 7.7540% | 476 |
| Net loans and leases to total assets | 66.7297% | 4,405 |
| Net loans and leases to deposits | 216.3734% | 30 |
| Net loans and leases to core deposits | 272.8575% | 49 |
| Total domestic deposits to total assets | 30.8401% | 8,172 |
| Equity capital to assets | 10.7330% | 3,255 |
| Core capital (leverage) ratio | 8.1252% | 6,242 |
| Tier 1 risk-based capital ratio | 10.5236% | 6,373 |
| Total risk-based capital ratio | 11.7949% | 6,258 |
| Memoranda: | ||
| Average total assets | $117,504,999,500 | 18 |
| Average earning assets | $98,783,987,500 | 18 |
| Average equity | $11,787,627,500 | 21 |
| Average total loans | $80,290,182,000 | 14 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2450% | 8,161 |
| Cost of funding earning assets | 1.6511% | 7,352 |
| Net interest margin | 1.5939% | 8,172 |
| Noninterest income to average assets | 1.2643% | 921 |
| Noninterest expense to average assets | 1.1623% | 8,172 |
| Loan and lease loss provision to assets | 0.5983% | 2,436 |
| Net operating income to assets | 0.5738% | 4,421 |
| Return on assets (ROA) | 0.5894% | 4,221 |
| Pretax return on assets | 0.9523% | 3,548 |
| Return on Equity (ROE) | 7.2520% | 3,395 |
| Retained earnings to average equity (ytd only) | 7.2520% | 1,070 |
| Net charge-offs to loans | -0.0988% | 8,091 |
| Credit loss provision to net charge-offs | -831.2389% | 7,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8001% | 8,049 |
| Assets per employee ($millions) | 6.9810% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0010% | 1,219 |
| Loan loss allowance to noncurrent loans | 39.1371% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 3.9192% | 1,066 |
| Noncurrent loans to loans | 5.1127% | 845 |
| Net loans and leases to total assets | 66.3485% | 4,783 |
| Net loans and leases to deposits | 179.2749% | 50 |
| Net loans and leases to core deposits | 225.4958% | 98 |
| Total domestic deposits to total assets | 37.0094% | 8,203 |
| Equity capital to assets | 9.3358% | 4,891 |
| Core capital (leverage) ratio | 6.6357% | 7,881 |
| Tier 1 risk-based capital ratio | 9.0268% | 7,762 |
| Total risk-based capital ratio | 10.2848% | 7,742 |
| Memoranda: | ||
| Average total assets | $117,955,414,400 | 18 |
| Average earning assets | $105,410,540,000 | 17 |
| Average equity | $9,586,039,800 | 23 |
| Average total loans | $85,955,032,200 | 14 |