Home > Mountain West Bank of Kalispell > Performance and Condition Ratios
Mountain West Bank of Kalispell, 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 | 6.4085% | 1,048 |
| Cost of funding earning assets | 2.9767% | 636 |
| Net interest margin | 3.4318% | 5,003 |
| Noninterest income to average assets | 0.8185% | 2,241 |
| Noninterest expense to average assets | 3.3848% | 2,400 |
| Loan and lease loss provision to assets | 0.8252% | 1,572 |
| Net operating income to assets | -0.1845% | 6,535 |
| Return on assets (ROA) | -0.1845% | 6,621 |
| Pretax return on assets | -0.3053% | 6,679 |
| Return on Equity (ROE) | -2.1882% | 6,683 |
| Retained earnings to average equity (ytd only) | -2.1882% | 6,138 |
| Net charge-offs to loans | 1.3097% | 1,074 |
| Credit loss provision to net charge-offs | 77.6025% | 4,227 |
| Earnings coverage of net charge-offs (x) | 0.4890% | 4,594 |
| Efficiency ratio | 86.6838% | 1,999 |
| Assets per employee ($millions) | 3.1896% | 5,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 2,512 |
| Loan loss allowance to noncurrent loans | 85.2722% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.5134% | 3,663 |
| Noncurrent loans to loans | 1.8794% | 3,442 |
| Net loans and leases to total assets | 77.4147% | 1,948 |
| Net loans and leases to deposits | 98.9419% | 1,541 |
| Net loans and leases to core deposits | 159.3459% | 500 |
| Total domestic deposits to total assets | 78.2426% | 5,932 |
| Equity capital to assets | 8.4811% | 6,104 |
| Core capital (leverage) ratio | 8.1751% | 6,149 |
| Tier 1 risk-based capital ratio | 10.2306% | 6,679 |
| Total risk-based capital ratio | 11.4851% | 6,589 |
| Memoranda: | ||
| Average total assets | $119,238,000 | 4,674 |
| Average earning assets | $107,233,000 | 4,710 |
| Average equity | $10,054,000 | 5,367 |
| Average total loans | $96,819,500 | 4,124 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4526% | 453 |
| Cost of funding earning assets | 3.2428% | 1,058 |
| Net interest margin | 4.2098% | 2,276 |
| Noninterest income to average assets | 0.8397% | 2,297 |
| Noninterest expense to average assets | 3.3681% | 2,768 |
| Loan and lease loss provision to assets | 0.6842% | 2,132 |
| Net operating income to assets | 0.4291% | 5,034 |
| Return on assets (ROA) | 0.4291% | 4,851 |
| Pretax return on assets | 0.6942% | 4,417 |
| Return on Equity (ROE) | 5.2296% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.2296% | 1,896 |
| Net charge-offs to loans | 0.3839% | 2,906 |
| Credit loss provision to net charge-offs | 210.2828% | 2,293 |
| Earnings coverage of net charge-offs (x) | 4.2365% | 4,059 |
| Efficiency ratio | 70.9604% | 4,142 |
| Assets per employee ($millions) | 3.2557% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 2,467 |
| Loan loss allowance to noncurrent loans | 140.7040% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.9538% | 4,445 |
| Noncurrent loans to loans | 1.0993% | 4,361 |
| Net loans and leases to total assets | 82.3760% | 1,157 |
| Net loans and leases to deposits | 105.0275% | 1,229 |
| Net loans and leases to core deposits | 165.1895% | 487 |
| Total domestic deposits to total assets | 78.4329% | 5,572 |
| Equity capital to assets | 8.3836% | 6,288 |
| Core capital (leverage) ratio | 8.2202% | 6,126 |
| Tier 1 risk-based capital ratio | 9.4557% | 7,362 |
| Total risk-based capital ratio | 10.7086% | 7,270 |
| Memoranda: | ||
| Average total assets | $119,563,400 | 4,538 |
| Average earning assets | $110,955,000 | 4,494 |
| Average equity | $9,809,600 | 5,471 |
| Average total loans | $101,317,000 | 3,911 |