Home > Mt. Washington Co-operative Bank > Performance and Condition Ratios
Mt. Washington Co-operative Bank, Performance and Condition Ratios
| 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 | 5.5879% | 3,666 |
| Cost of funding earning assets | 2.1697% | 2,157 |
| Net interest margin | 3.4182% | 5,300 |
| Noninterest income to average assets | 0.6221% | 3,474 |
| Noninterest expense to average assets | 3.8235% | 1,655 |
| Loan and lease loss provision to assets | 0.4404% | 4,187 |
| Net operating income to assets | -0.5369% | 6,223 |
| Return on assets (ROA) | -0.4830% | 6,153 |
| Pretax return on assets | -0.5406% | 6,047 |
| Return on Equity (ROE) | -7.7406% | 6,449 |
| Retained earnings to average equity (ytd only) | -7.7406% | 6,319 |
| Net charge-offs to loans | 0.3110% | 4,689 |
| Credit loss provision to net charge-offs | 195.1515% | 2,031 |
| Earnings coverage of net charge-offs (x) | -0.7126% | 6,814 |
| Efficiency ratio | 104.3903% | 944 |
| Assets per employee ($millions) | 4.2775% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 5,172 |
| Loan loss allowance to noncurrent loans | 42.7522% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 2.5343% | 2,763 |
| Noncurrent loans to loans | 2.8776% | 2,681 |
| Net loans and leases to total assets | 71.5337% | 2,879 |
| Net loans and leases to deposits | 92.0322% | 1,894 |
| Net loans and leases to core deposits | 122.8017% | 1,729 |
| Total domestic deposits to total assets | 77.7269% | 6,293 |
| Equity capital to assets | 6.3701% | 7,594 |
| Core capital (leverage) ratio | 6.6798% | 7,419 |
| Tier 1 risk-based capital ratio | 5.4260% | 7,849 |
| Total risk-based capital ratio | 6.1550% | 7,882 |
| Memoranda: | ||
| Average total assets | $511,809,600 | 1,345 |
| Average earning assets | $455,268,400 | 1,384 |
| Average equity | $31,935,600 | 2,099 |
| Average total loans | $371,437,400 | 1,290 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5994% | 3,868 |
| Cost of funding earning assets | 2.2088% | 2,367 |
| Net interest margin | 3.3906% | 5,310 |
| Noninterest income to average assets | 0.6378% | 3,442 |
| Noninterest expense to average assets | 3.6112% | 2,010 |
| Loan and lease loss provision to assets | 0.4923% | 3,445 |
| Net operating income to assets | -0.3583% | 6,273 |
| Return on assets (ROA) | -0.2932% | 6,207 |
| Pretax return on assets | -0.3599% | 6,153 |
| Return on Equity (ROE) | -4.7223% | 6,421 |
| Retained earnings to average equity (ytd only) | -4.7223% | 6,218 |
| Net charge-offs to loans | 0.3354% | 3,962 |
| Credit loss provision to net charge-offs | 202.1231% | 2,209 |
| Earnings coverage of net charge-offs (x) | 0.2134% | 5,809 |
| Efficiency ratio | 98.5814% | 1,133 |
| Assets per employee ($millions) | 4.3201% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 5,243 |
| Loan loss allowance to noncurrent loans | 36.1367% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 2.6326% | 2,643 |
| Noncurrent loans to loans | 3.2592% | 2,326 |
| Net loans and leases to total assets | 71.7285% | 3,098 |
| Net loans and leases to deposits | 92.7506% | 2,108 |
| Net loans and leases to core deposits | 123.9581% | 1,901 |
| Total domestic deposits to total assets | 77.3348% | 6,256 |
| Equity capital to assets | 6.5412% | 7,752 |
| Core capital (leverage) ratio | 6.7922% | 7,546 |
| Tier 1 risk-based capital ratio | 5.5762% | 7,972 |
| Total risk-based capital ratio | 6.2755% | 7,998 |
| Memoranda: | ||
| Average total assets | $515,713,500 | 1,350 |
| Average earning assets | $460,156,250 | 1,388 |
| Average equity | $32,017,500 | 2,107 |
| Average total loans | $374,455,000 | 1,298 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6437% | 3,852 |
| Cost of funding earning assets | 2.2740% | 2,474 |
| Net interest margin | 3.3696% | 5,288 |
| Noninterest income to average assets | 0.6331% | 3,450 |
| Noninterest expense to average assets | 3.6840% | 1,868 |
| Loan and lease loss provision to assets | 0.4818% | 3,119 |
| Net operating income to assets | -0.3691% | 6,413 |
| Return on assets (ROA) | -0.2843% | 6,326 |
| Pretax return on assets | -0.3976% | 6,321 |
| Return on Equity (ROE) | -4.6595% | 6,569 |
| Retained earnings to average equity (ytd only) | -4.6595% | 6,253 |
| Net charge-offs to loans | 0.3042% | 3,662 |
| Credit loss provision to net charge-offs | 218.0870% | 2,110 |
| Earnings coverage of net charge-offs (x) | -0.1600% | 5,852 |
| Efficiency ratio | 100.9687% | 1,128 |
| Assets per employee ($millions) | 4.3857% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 5,687 |
| Loan loss allowance to noncurrent loans | 36.2541% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 2.2139% | 2,924 |
| Noncurrent loans to loans | 2.9983% | 2,408 |
| Net loans and leases to total assets | 72.1857% | 3,166 |
| Net loans and leases to deposits | 96.6378% | 1,708 |
| Net loans and leases to core deposits | 131.0174% | 1,486 |
| Total domestic deposits to total assets | 74.6972% | 6,824 |
| Equity capital to assets | 6.3964% | 7,840 |
| Core capital (leverage) ratio | 6.6678% | 7,713 |
| Tier 1 risk-based capital ratio | 5.6057% | 8,075 |
| Total risk-based capital ratio | 6.2572% | 8,106 |
| Memoranda: | ||
| Average total assets | $520,573,670 | 1,362 |
| Average earning assets | $465,865,330 | 1,387 |
| Average equity | $31,763,330 | 2,130 |
| Average total loans | $378,027,000 | 1,313 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7020% | 3,796 |
| Cost of funding earning assets | 2.3289% | 2,582 |
| Net interest margin | 3.3731% | 5,245 |
| Noninterest income to average assets | 0.5236% | 4,108 |
| Noninterest expense to average assets | 3.2269% | 2,873 |
| Loan and lease loss provision to assets | 0.3972% | 2,944 |
| Net operating income to assets | -0.0530% | 6,338 |
| Return on assets (ROA) | 0.1135% | 6,103 |
| Pretax return on assets | 0.0991% | 6,170 |
| Return on Equity (ROE) | 1.9039% | 5,808 |
| Retained earnings to average equity (ytd only) | 1.9039% | 4,795 |
| Net charge-offs to loans | 0.3196% | 2,821 |
| Credit loss provision to net charge-offs | 171.5686% | 2,496 |
| Earnings coverage of net charge-offs (x) | 1.4248% | 4,022 |
| Efficiency ratio | 90.7254% | 1,670 |
| Assets per employee ($millions) | 4.1748% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 6,593 |
| Loan loss allowance to noncurrent loans | 36.1474% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 2.0982% | 2,754 |
| Noncurrent loans to loans | 2.5799% | 2,556 |
| Net loans and leases to total assets | 72.6628% | 3,079 |
| Net loans and leases to deposits | 100.9156% | 1,291 |
| Net loans and leases to core deposits | 136.0325% | 1,307 |
| Total domestic deposits to total assets | 72.0035% | 7,206 |
| Equity capital to assets | 6.1183% | 7,975 |
| Core capital (leverage) ratio | 6.6924% | 7,801 |
| Tier 1 risk-based capital ratio | 5.5025% | 8,158 |
| Total risk-based capital ratio | 6.0424% | 8,177 |
| Memoranda: | ||
| Average total assets | $528,681,000 | 1,337 |
| Average earning assets | $475,415,000 | 1,368 |
| Average equity | $31,514,500 | 2,150 |
| Average total loans | $383,002,500 | 1,302 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3596% | 3,643 |
| Cost of funding earning assets | 2.8634% | 2,425 |
| Net interest margin | 3.4962% | 5,306 |
| Noninterest income to average assets | 0.6653% | 3,372 |
| Noninterest expense to average assets | 3.5238% | 2,329 |
| Loan and lease loss provision to assets | 0.6904% | 2,119 |
| Net operating income to assets | -0.2500% | 6,682 |
| Return on assets (ROA) | -0.7449% | 7,003 |
| Pretax return on assets | -1.1303% | 7,076 |
| Return on Equity (ROE) | -11.4380% | 7,383 |
| Retained earnings to average equity (ytd only) | -11.4380% | 7,201 |
| Net charge-offs to loans | 0.9063% | 1,367 |
| Credit loss provision to net charge-offs | 110.8810% | 4,865 |
| Earnings coverage of net charge-offs (x) | 0.4977% | 5,936 |
| Efficiency ratio | 91.9174% | 1,385 |
| Assets per employee ($millions) | 4.2832% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8602% | 6,851 |
| Loan loss allowance to noncurrent loans | 33.5183% | 6,493 |
| Noncurrent assets plus other real estate owned to assets | 1.8370% | 2,687 |
| Noncurrent loans to loans | 2.5664% | 2,116 |
| Net loans and leases to total assets | 70.9641% | 3,791 |
| Net loans and leases to deposits | 103.0505% | 1,461 |
| Net loans and leases to core deposits | 136.5187% | 1,462 |
| Total domestic deposits to total assets | 68.8634% | 7,397 |
| Equity capital to assets | 5.8100% | 8,093 |
| Core capital (leverage) ratio | 6.4001% | 7,963 |
| Tier 1 risk-based capital ratio | 9.0177% | 7,766 |
| Total risk-based capital ratio | 9.8539% | 8,031 |
| Memoranda: | ||
| Average total assets | $550,563,000 | 1,236 |
| Average earning assets | $498,948,600 | 1,236 |
| Average equity | $35,854,200 | 1,877 |
| Average total loans | $378,261,800 | 1,285 |