Home > Northwest Bank & Trust > Performance and Condition Ratios
Northwest Bank & Trust, Performance and Condition Ratios
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1698% | 7,209 |
| Cost of funding earning assets | 2.2113% | 447 |
| Net interest margin | 1.9586% | 7,651 |
| Noninterest income to average assets | 0.0908% | 7,127 |
| Noninterest expense to average assets | 2.9370% | 3,932 |
| Loan and lease loss provision to assets | 4.7154% | 132 |
| Net operating income to assets | -5.7474% | 7,728 |
| Return on assets (ROA) | -5.7474% | 7,732 |
| Pretax return on assets | -5.7474% | 7,717 |
| Return on Equity (ROE) | -279.1183% | 7,818 |
| Retained earnings to average equity (ytd only) | -279.1183% | 7,818 |
| Net charge-offs to loans | 12.8470% | 17 |
| Credit loss provision to net charge-offs | 60.3024% | 5,199 |
| Earnings coverage of net charge-offs (x) | -0.1320% | 5,828 |
| Efficiency ratio | 154.1693% | 193 |
| Assets per employee ($millions) | 6.1832% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6137% | 7,391 |
| Loan loss allowance to noncurrent loans | 4.0566% | 7,316 |
| Noncurrent assets plus other real estate owned to assets | 12.1135% | 265 |
| Noncurrent loans to loans | 15.1280% | 169 |
| Net loans and leases to total assets | 57.5226% | 5,484 |
| Net loans and leases to deposits | 59.4576% | 6,459 |
| Net loans and leases to core deposits | 82.3427% | 4,366 |
| Total domestic deposits to total assets | 96.7455% | 16 |
| Equity capital to assets | 0.7122% | 7,816 |
| Core capital (leverage) ratio | 0.5454% | 7,820 |
| Tier 1 risk-based capital ratio | 0.8651% | 7,816 |
| Total risk-based capital ratio | 1.4208% | 7,819 |
| Memoranda: | ||
| Average total assets | $167,450,000 | 3,646 |
| Average earning assets | $155,114,330 | 3,616 |
| Average equity | $3,448,000 | 7,277 |
| Average total loans | $101,922,670 | 3,833 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1516% | 7,322 |
| Cost of funding earning assets | 2.2104% | 570 |
| Net interest margin | 1.9413% | 7,739 |
| Noninterest income to average assets | 0.1616% | 6,818 |
| Noninterest expense to average assets | 2.7167% | 4,827 |
| Loan and lease loss provision to assets | 3.8690% | 230 |
| Net operating income to assets | -4.6161% | 7,761 |
| Return on assets (ROA) | -4.6161% | 7,766 |
| Pretax return on assets | -4.6161% | 7,734 |
| Return on Equity (ROE) | -171.4099% | 7,878 |
| Retained earnings to average equity (ytd only) | -171.4099% | 7,876 |
| Net charge-offs to loans | 2.2941% | 736 |
| Credit loss provision to net charge-offs | 270.8197% | 1,465 |
| Earnings coverage of net charge-offs (x) | -0.5230% | 5,287 |
| Efficiency ratio | 137.9310% | 272 |
| Assets per employee ($millions) | 6.7070% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0014% | 376 |
| Loan loss allowance to noncurrent loans | 19.4838% | 7,041 |
| Noncurrent assets plus other real estate owned to assets | 15.5968% | 123 |
| Noncurrent loans to loans | 20.5371% | 69 |
| Net loans and leases to total assets | 60.2660% | 5,076 |
| Net loans and leases to deposits | 63.4081% | 6,124 |
| Net loans and leases to core deposits | 88.7900% | 3,523 |
| Total domestic deposits to total assets | 95.0446% | 45 |
| Equity capital to assets | 2.2162% | 7,880 |
| Core capital (leverage) ratio | 2.1946% | 7,875 |
| Tier 1 risk-based capital ratio | 3.2603% | 7,865 |
| Total risk-based capital ratio | 4.5401% | 7,866 |
| Memoranda: | ||
| Average total assets | $170,793,500 | 3,648 |
| Average earning assets | $159,069,500 | 3,580 |
| Average equity | $4,599,500 | 6,977 |
| Average total loans | $106,361,000 | 3,767 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5845% | 7,298 |
| Cost of funding earning assets | 2.7838% | 465 |
| Net interest margin | 1.8007% | 7,804 |
| Noninterest income to average assets | 0.1388% | 7,053 |
| Noninterest expense to average assets | 2.5354% | 6,011 |
| Loan and lease loss provision to assets | 3.7251% | 397 |
| Net operating income to assets | -4.8930% | 7,733 |
| Return on assets (ROA) | -4.7512% | 7,709 |
| Pretax return on assets | -4.3635% | 7,612 |
| Return on Equity (ROE) | -75.0226% | 7,838 |
| Retained earnings to average equity (ytd only) | -75.0226% | 7,835 |
| Net charge-offs to loans | 3.9942% | 417 |
| Credit loss provision to net charge-offs | 134.5275% | 3,695 |
| Earnings coverage of net charge-offs (x) | -0.2818% | 6,528 |
| Efficiency ratio | 144.4521% | 351 |
| Assets per employee ($millions) | 6.6889% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9500% | 808 |
| Loan loss allowance to noncurrent loans | 15.3898% | 7,241 |
| Noncurrent assets plus other real estate owned to assets | 13.0635% | 201 |
| Noncurrent loans to loans | 19.1682% | 77 |
| Net loans and leases to total assets | 59.9665% | 5,342 |
| Net loans and leases to deposits | 62.7710% | 6,386 |
| Net loans and leases to core deposits | 94.7247% | 4,598 |
| Total domestic deposits to total assets | 95.5322% | 43 |
| Equity capital to assets | 3.1527% | 7,909 |
| Core capital (leverage) ratio | 3.1535% | 7,900 |
| Tier 1 risk-based capital ratio | 4.9427% | 7,871 |
| Total risk-based capital ratio | 6.2113% | 7,876 |
| Memoranda: | ||
| Average total assets | $164,315,800 | 3,696 |
| Average earning assets | $147,498,600 | 3,754 |
| Average equity | $10,406,200 | 5,188 |
| Average total loans | $113,915,200 | 3,609 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7602% | 7,187 |
| Cost of funding earning assets | 2.8998% | 455 |
| Net interest margin | 1.8604% | 7,868 |
| Noninterest income to average assets | 0.1293% | 7,238 |
| Noninterest expense to average assets | 2.4835% | 6,129 |
| Loan and lease loss provision to assets | 4.9580% | 174 |
| Net operating income to assets | -5.0986% | 7,853 |
| Return on assets (ROA) | -4.9637% | 7,835 |
| Pretax return on assets | -5.5146% | 7,868 |
| Return on Equity (ROE) | -69.0653% | 7,929 |
| Retained earnings to average equity (ytd only) | -69.0653% | 7,926 |
| Net charge-offs to loans | 5.1080% | 215 |
| Credit loss provision to net charge-offs | 136.0371% | 3,649 |
| Earnings coverage of net charge-offs (x) | -0.1939% | 6,286 |
| Efficiency ratio | 139.7590% | 391 |
| Assets per employee ($millions) | 6.1829% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8437% | 756 |
| Loan loss allowance to noncurrent loans | 15.2735% | 7,320 |
| Noncurrent assets plus other real estate owned to assets | 12.3163% | 212 |
| Noncurrent loans to loans | 18.6187% | 79 |
| Net loans and leases to total assets | 63.0332% | 5,057 |
| Net loans and leases to deposits | 66.7684% | 6,233 |
| Net loans and leases to core deposits | 95.2931% | 4,898 |
| Total domestic deposits to total assets | 94.4056% | 45 |
| Equity capital to assets | 4.3369% | 7,986 |
| Core capital (leverage) ratio | 3.5115% | 8,006 |
| Tier 1 risk-based capital ratio | 5.2266% | 7,988 |
| Total risk-based capital ratio | 6.4945% | 7,990 |
| Memoranda: | ||
| Average total assets | $161,916,750 | 3,761 |
| Average earning assets | $143,407,250 | 3,854 |
| Average equity | $11,637,000 | 4,889 |
| Average total loans | $115,529,250 | 3,608 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0853% | 6,489 |
| Cost of funding earning assets | 2.9872% | 494 |
| Net interest margin | 2.0981% | 7,814 |
| Noninterest income to average assets | 0.2428% | 6,545 |
| Noninterest expense to average assets | 2.4744% | 6,206 |
| Loan and lease loss provision to assets | 1.1430% | 1,504 |
| Net operating income to assets | -0.9703% | 6,957 |
| Return on assets (ROA) | -0.8408% | 6,863 |
| Pretax return on assets | -1.3554% | 7,014 |
| Return on Equity (ROE) | -10.2203% | 7,051 |
| Retained earnings to average equity (ytd only) | -10.2203% | 6,893 |
| Net charge-offs to loans | 1.4425% | 1,310 |
| Credit loss provision to net charge-offs | 107.4911% | 4,294 |
| Earnings coverage of net charge-offs (x) | -0.3900% | 6,015 |
| Efficiency ratio | 120.1351% | 665 |
| Assets per employee ($millions) | 6.3304% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4268% | 3,593 |
| Loan loss allowance to noncurrent loans | 8.9437% | 7,512 |
| Noncurrent assets plus other real estate owned to assets | 11.9284% | 186 |
| Noncurrent loans to loans | 15.9535% | 113 |
| Net loans and leases to total assets | 69.7608% | 3,765 |
| Net loans and leases to deposits | 76.3167% | 5,114 |
| Net loans and leases to core deposits | 105.6457% | 3,878 |
| Total domestic deposits to total assets | 91.4096% | 338 |
| Equity capital to assets | 7.7598% | 7,020 |
| Core capital (leverage) ratio | 7.4936% | 7,027 |
| Tier 1 risk-based capital ratio | 9.3897% | 7,483 |
| Total risk-based capital ratio | 10.6403% | 7,451 |
| Memoranda: | ||
| Average total assets | $158,182,330 | 3,861 |
| Average earning assets | $136,983,330 | 4,010 |
| Average equity | $13,013,330 | 4,534 |
| Average total loans | $116,600,000 | 3,611 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2469% | 6,128 |
| Cost of funding earning assets | 2.9799% | 634 |
| Net interest margin | 2.2669% | 7,745 |
| Noninterest income to average assets | 0.2039% | 6,831 |
| Noninterest expense to average assets | 2.4287% | 6,103 |
| Loan and lease loss provision to assets | 0.5807% | 2,169 |
| Net operating income to assets | -0.4930% | 6,864 |
| Return on assets (ROA) | -0.4930% | 6,922 |
| Pretax return on assets | -0.7950% | 7,033 |
| Return on Equity (ROE) | -5.8170% | 7,044 |
| Retained earnings to average equity (ytd only) | -5.8170% | 6,657 |
| Net charge-offs to loans | 0.6000% | 1,977 |
| Credit loss provision to net charge-offs | 128.5714% | 3,110 |
| Earnings coverage of net charge-offs (x) | -0.4743% | 5,242 |
| Efficiency ratio | 109.6737% | 819 |
| Assets per employee ($millions) | 5.2437% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 3,362 |
| Loan loss allowance to noncurrent loans | 10.8615% | 7,499 |
| Noncurrent assets plus other real estate owned to assets | 10.2327% | 215 |
| Noncurrent loans to loans | 13.1211% | 144 |
| Net loans and leases to total assets | 72.5052% | 3,123 |
| Net loans and leases to deposits | 79.7859% | 4,646 |
| Net loans and leases to core deposits | 104.9803% | 4,031 |
| Total domestic deposits to total assets | 90.8747% | 456 |
| Equity capital to assets | 8.5557% | 5,983 |
| Core capital (leverage) ratio | 8.2077% | 6,084 |
| Tier 1 risk-based capital ratio | 9.8289% | 7,108 |
| Total risk-based capital ratio | 11.0789% | 7,021 |
| Memoranda: | ||
| Average total assets | $154,978,000 | 3,930 |
| Average earning assets | $137,453,500 | 4,005 |
| Average equity | $13,134,000 | 4,550 |
| Average total loans | $116,659,000 | 3,633 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2209% | 4,411 |
| Cost of funding earning assets | 3.5200% | 489 |
| Net interest margin | 2.7009% | 7,497 |
| Noninterest income to average assets | 0.3667% | 5,771 |
| Noninterest expense to average assets | 2.8542% | 4,587 |
| Loan and lease loss provision to assets | 1.5480% | 863 |
| Net operating income to assets | -0.9683% | 7,234 |
| Return on assets (ROA) | -0.9683% | 7,153 |
| Pretax return on assets | -1.5308% | 7,268 |
| Return on Equity (ROE) | -10.2996% | 7,296 |
| Retained earnings to average equity (ytd only) | -10.4823% | 7,111 |
| Net charge-offs to loans | 1.3971% | 842 |
| Credit loss provision to net charge-offs | 141.5829% | 3,744 |
| Earnings coverage of net charge-offs (x) | 0.0157% | 6,235 |
| Efficiency ratio | 99.4021% | 1,005 |
| Assets per employee ($millions) | 4.4896% | 2,633 |
| Cash dividends to net income (ytd only)* | -1.7730% | 7,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3596% | 3,423 |
| Loan loss allowance to noncurrent loans | 11.7435% | 7,481 |
| Noncurrent assets plus other real estate owned to assets | 9.4244% | 195 |
| Noncurrent loans to loans | 11.5771% | 143 |
| Net loans and leases to total assets | 76.0007% | 2,622 |
| Net loans and leases to deposits | 83.9031% | 4,434 |
| Net loans and leases to core deposits | 99.5307% | 4,869 |
| Total domestic deposits to total assets | 90.5815% | 460 |
| Equity capital to assets | 8.3913% | 6,270 |
| Core capital (leverage) ratio | 7.7055% | 6,917 |
| Tier 1 risk-based capital ratio | 9.5095% | 7,291 |
| Total risk-based capital ratio | 10.7198% | 7,259 |
| Memoranda: | ||
| Average total assets | $145,608,800 | 3,981 |
| Average earning assets | $135,029,600 | 3,949 |
| Average equity | $13,689,800 | 4,405 |
| Average total loans | $113,949,600 | 3,588 |