Home > Northwest Community Bank > Performance and Condition Ratios
Northwest Community Bank, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9036% | 1,037 |
| Cost of funding earning assets | 1.0371% | 5,504 |
| Net interest margin | 4.8665% | 579 |
| Noninterest income to average assets | 0.4710% | 4,378 |
| Noninterest expense to average assets | 1.9023% | 7,159 |
| Loan and lease loss provision to assets | 1.9107% | 708 |
| Net operating income to assets | 0.7910% | 2,844 |
| Return on assets (ROA) | 0.7986% | 2,941 |
| Pretax return on assets | 1.1754% | 2,310 |
| Return on Equity (ROE) | 6.8867% | 3,173 |
| Retained earnings to average equity (ytd only) | -4.9953% | 6,298 |
| Net charge-offs to loans | 1.9869% | 1,020 |
| Credit loss provision to net charge-offs | 133.6283% | 2,921 |
| Earnings coverage of net charge-offs (x) | 2.1504% | 4,106 |
| Efficiency ratio | 38.2203% | 7,527 |
| Assets per employee ($millions) | 7.1078% | 713 |
| Cash dividends to net income (ytd only)* | 172.5352% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0586% | 2,160 |
| Loan loss allowance to noncurrent loans | 71.3684% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 2.2276% | 3,058 |
| Noncurrent loans to loans | 2.8845% | 2,639 |
| Net loans and leases to total assets | 75.6370% | 1,344 |
| Net loans and leases to deposits | 133.4501% | 58 |
| Net loans and leases to core deposits | 156.0706% | 158 |
| Total domestic deposits to total assets | 56.6781% | 7,532 |
| Equity capital to assets | 12.6122% | 1,571 |
| Core capital (leverage) ratio | 12.4339% | 1,337 |
| Tier 1 risk-based capital ratio | 17.2180% | 2,264 |
| Total risk-based capital ratio | 18.4792% | 2,224 |
| Memoranda: | ||
| Average total assets | $71,124,400 | 5,853 |
| Average earning assets | $65,858,600 | 5,806 |
| Average equity | $8,247,800 | 5,641 |
| Average total loans | $51,184,600 | 5,436 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9014% | 1,131 |
| Cost of funding earning assets | 1.1168% | 5,334 |
| Net interest margin | 4.7847% | 698 |
| Noninterest income to average assets | 0.4224% | 4,781 |
| Noninterest expense to average assets | 1.6787% | 7,451 |
| Loan and lease loss provision to assets | 1.6915% | 757 |
| Net operating income to assets | 1.0086% | 2,206 |
| Return on assets (ROA) | 1.0185% | 2,285 |
| Pretax return on assets | 1.5013% | 1,616 |
| Return on Equity (ROE) | 8.9554% | 2,506 |
| Retained earnings to average equity (ytd only) | -6.8170% | 6,701 |
| Net charge-offs to loans | 0.1162% | 5,380 |
| Credit loss provision to net charge-offs | 2,055.5556% | 153 |
| Earnings coverage of net charge-offs (x) | 38.6213% | 705 |
| Efficiency ratio | 34.5633% | 7,645 |
| Assets per employee ($millions) | 7.2018% | 706 |
| Cash dividends to net income (ytd only)* | 176.1220% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0895% | 765 |
| Loan loss allowance to noncurrent loans | 164.2027% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 1.9239% | 3,581 |
| Noncurrent loans to loans | 1.8815% | 3,822 |
| Net loans and leases to total assets | 75.2530% | 1,540 |
| Net loans and leases to deposits | 129.2867% | 69 |
| Net loans and leases to core deposits | 154.5599% | 171 |
| Total domestic deposits to total assets | 58.2063% | 7,615 |
| Equity capital to assets | 12.4275% | 1,893 |
| Core capital (leverage) ratio | 12.2805% | 1,518 |
| Tier 1 risk-based capital ratio | 15.3169% | 3,092 |
| Total risk-based capital ratio | 16.5871% | 3,043 |
| Memoranda: | ||
| Average total assets | $72,913,000 | 5,857 |
| Average earning assets | $67,575,000 | 5,811 |
| Average equity | $8,292,750 | 5,692 |
| Average total loans | $51,630,250 | 5,499 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9511% | 1,049 |
| Cost of funding earning assets | 1.1635% | 5,325 |
| Net interest margin | 4.7876% | 668 |
| Noninterest income to average assets | 0.4206% | 4,746 |
| Noninterest expense to average assets | 1.4442% | 7,642 |
| Loan and lease loss provision to assets | 1.6532% | 778 |
| Net operating income to assets | 1.2286% | 1,489 |
| Return on assets (ROA) | 1.2432% | 1,505 |
| Pretax return on assets | 1.7960% | 893 |
| Return on Equity (ROE) | 11.2279% | 1,679 |
| Retained earnings to average equity (ytd only) | -0.7167% | 5,908 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.6417% | 7,752 |
| Assets per employee ($millions) | 7.2760% | 673 |
| Cash dividends to net income (ytd only)* | 106.3830% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5545% | 1,234 |
| Loan loss allowance to noncurrent loans | 232.1429% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.8552% | 5,406 |
| Noncurrent loans to loans | 1.1004% | 5,116 |
| Net loans and leases to total assets | 75.7284% | 1,537 |
| Net loans and leases to deposits | 115.6699% | 183 |
| Net loans and leases to core deposits | 158.2878% | 176 |
| Total domestic deposits to total assets | 65.4694% | 7,550 |
| Equity capital to assets | 12.9024% | 1,607 |
| Core capital (leverage) ratio | 11.2802% | 2,044 |
| Tier 1 risk-based capital ratio | 14.7992% | 3,265 |
| Total risk-based capital ratio | 16.0621% | 3,230 |
| Memoranda: | ||
| Average total assets | $75,612,000 | 5,813 |
| Average earning assets | $70,306,330 | 5,759 |
| Average equity | $8,372,000 | 5,673 |
| Average total loans | $52,063,330 | 5,507 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7251% | 1,682 |
| Cost of funding earning assets | 1.0718% | 6,030 |
| Net interest margin | 4.6533% | 863 |
| Noninterest income to average assets | 0.3272% | 5,525 |
| Noninterest expense to average assets | 1.4726% | 7,729 |
| Loan and lease loss provision to assets | 1.6114% | 718 |
| Net operating income to assets | 1.0362% | 2,050 |
| Return on assets (ROA) | 1.0362% | 2,109 |
| Pretax return on assets | 1.5916% | 1,284 |
| Return on Equity (ROE) | 10.0318% | 2,089 |
| Retained earnings to average equity (ytd only) | -13.9677% | 7,172 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.4952% | 7,839 |
| Assets per employee ($millions) | 8.9921% | 356 |
| Cash dividends to net income (ytd only)* | 239.2344% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9020% | 2,433 |
| Loan loss allowance to noncurrent loans | 176.0563% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.7018% | 5,767 |
| Noncurrent loans to loans | 1.0803% | 5,191 |
| Net loans and leases to total assets | 63.7312% | 4,388 |
| Net loans and leases to deposits | 114.0554% | 212 |
| Net loans and leases to core deposits | 144.5503% | 284 |
| Total domestic deposits to total assets | 55.8774% | 7,798 |
| Equity capital to assets | 10.1175% | 3,724 |
| Core capital (leverage) ratio | 10.1239% | 3,015 |
| Tier 1 risk-based capital ratio | 13.2819% | 4,140 |
| Total risk-based capital ratio | 14.5358% | 4,083 |
| Memoranda: | ||
| Average total assets | $80,676,000 | 5,747 |
| Average earning assets | $75,387,500 | 5,655 |
| Average equity | $8,333,500 | 5,734 |
| Average total loans | $52,650,000 | 5,552 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7040% | 3,088 |
| Cost of funding earning assets | 1.4815% | 5,586 |
| Net interest margin | 4.2225% | 1,998 |
| Noninterest income to average assets | 0.5671% | 3,892 |
| Noninterest expense to average assets | 1.7996% | 7,607 |
| Loan and lease loss provision to assets | 1.0776% | 2,122 |
| Net operating income to assets | 0.9835% | 1,898 |
| Return on assets (ROA) | 0.9835% | 1,949 |
| Pretax return on assets | 1.5903% | 982 |
| Return on Equity (ROE) | 5.7192% | 3,321 |
| Retained earnings to average equity (ytd only) | 5.7192% | 1,463 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2810% | 7,855 |
| Assets per employee ($millions) | 8.9359% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 4,871 |
| Loan loss allowance to noncurrent loans | 324.5192% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 6,802 |
| Noncurrent loans to loans | 0.3945% | 6,486 |
| Net loans and leases to total assets | 64.7178% | 4,437 |
| Net loans and leases to deposits | 124.1070% | 129 |
| Net loans and leases to core deposits | 164.3656% | 293 |
| Total domestic deposits to total assets | 52.1468% | 7,895 |
| Equity capital to assets | 10.5430% | 3,140 |
| Core capital (leverage) ratio | 19.7923% | 289 |
| Tier 1 risk-based capital ratio | 14.7481% | 3,080 |
| Total risk-based capital ratio | 15.9222% | 3,075 |
| Memoranda: | ||
| Average total assets | $47,789,600 | 6,799 |
| Average earning assets | $44,144,600 | 6,759 |
| Average equity | $8,218,000 | 5,861 |
| Average total loans | $39,417,400 | 6,141 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8512% | 385 |
| Cost of funding earning assets | 1.9517% | 3,612 |
| Net interest margin | 4.8995% | 557 |
| Noninterest income to average assets | 0.6594% | 3,294 |
| Noninterest expense to average assets | 2.1969% | 6,983 |
| Loan and lease loss provision to assets | 1.2784% | 1,506 |
| Net operating income to assets | 1.0025% | 2,046 |
| Return on assets (ROA) | 1.0025% | 2,108 |
| Pretax return on assets | 1.6687% | 1,027 |
| Return on Equity (ROE) | 4.8734% | 4,019 |
| Retained earnings to average equity (ytd only) | 4.8734% | 2,569 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7077% | 7,871 |
| Assets per employee ($millions) | 5.0166% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 3,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 90.5888% | 91 |
| Net loans and leases to deposits | 131.8249% | 98 |
| Net loans and leases to core deposits | 257.8440% | 47 |
| Total domestic deposits to total assets | 68.7190% | 7,510 |
| Equity capital to assets | 20.6937% | 294 |
| Core capital (leverage) ratio | 19.8163% | 322 |
| Tier 1 risk-based capital ratio | 23.1983% | 1,083 |
| Total risk-based capital ratio | 24.4525% | 1,057 |
| Memoranda: | ||
| Average total assets | $39,631,250 | 7,170 |
| Average earning assets | $36,275,000 | 7,148 |
| Average equity | $8,152,750 | 5,928 |
| Average total loans | $36,091,000 | 6,342 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8219% | 436 |
| Cost of funding earning assets | 2.0798% | 3,366 |
| Net interest margin | 4.7421% | 741 |
| Noninterest income to average assets | 0.6132% | 3,578 |
| Noninterest expense to average assets | 2.2045% | 7,042 |
| Loan and lease loss provision to assets | 1.2416% | 1,379 |
| Net operating income to assets | 0.9021% | 2,452 |
| Return on assets (ROA) | 0.9021% | 2,551 |
| Pretax return on assets | 1.5001% | 1,437 |
| Return on Equity (ROE) | 4.3940% | 4,342 |
| Retained earnings to average equity (ytd only) | 4.3940% | 2,854 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5697% | 7,907 |
| Assets per employee ($millions) | 4.7292% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 5,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 91.0956% | 89 |
| Net loans and leases to deposits | 144.2609% | 72 |
| Net loans and leases to core deposits | 275.8662% | 47 |
| Total domestic deposits to total assets | 63.1464% | 7,863 |
| Equity capital to assets | 19.2327% | 433 |
| Core capital (leverage) ratio | 19.5323% | 388 |
| Tier 1 risk-based capital ratio | 21.5756% | 1,321 |
| Total risk-based capital ratio | 22.6431% | 1,304 |
| Memoranda: | ||
| Average total assets | $39,464,000 | 7,232 |
| Average earning assets | $36,060,330 | 7,221 |
| Average equity | $8,102,000 | 5,984 |
| Average total loans | $35,822,670 | 6,415 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7863% | 496 |
| Cost of funding earning assets | 2.3357% | 2,554 |
| Net interest margin | 4.4506% | 1,234 |
| Noninterest income to average assets | 0.4959% | 4,358 |
| Noninterest expense to average assets | 2.2683% | 6,639 |
| Loan and lease loss provision to assets | 0.4220% | 2,815 |
| Net operating income to assets | 1.1078% | 1,939 |
| Return on assets (ROA) | 1.1078% | 2,065 |
| Pretax return on assets | 1.8463% | 899 |
| Return on Equity (ROE) | 5.2109% | 4,378 |
| Retained earnings to average equity (ytd only) | 5.2109% | 3,010 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 7,588 |
| Assets per employee ($millions) | 4.5284% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5322% | 7,776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 91.7092% | 70 |
| Net loans and leases to deposits | 136.9924% | 103 |
| Net loans and leases to core deposits | 280.1244% | 42 |
| Total domestic deposits to total assets | 66.9447% | 7,672 |
| Equity capital to assets | 19.9038% | 426 |
| Core capital (leverage) ratio | 21.5030% | 331 |
| Tier 1 risk-based capital ratio | 24.9808% | 984 |
| Total risk-based capital ratio | 25.5966% | 1,018 |
| Memoranda: | ||
| Average total assets | $37,914,500 | 7,335 |
| Average earning assets | $34,422,500 | 7,339 |
| Average equity | $8,060,000 | 6,039 |
| Average total loans | $34,145,000 | 6,536 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7177% | 1,962 |
| Cost of funding earning assets | 2.7634% | 2,863 |
| Net interest margin | 3.9543% | 3,339 |
| Noninterest income to average assets | 0.7302% | 2,903 |
| Noninterest expense to average assets | 3.6696% | 2,007 |
| Loan and lease loss provision to assets | 0.4893% | 2,859 |
| Net operating income to assets | 0.0185% | 6,319 |
| Return on assets (ROA) | 0.0185% | 6,172 |
| Pretax return on assets | 0.0297% | 6,096 |
| Return on Equity (ROE) | 0.0629% | 6,212 |
| Retained earnings to average equity (ytd only) | 0.0629% | 5,201 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6106% | 1,708 |
| Assets per employee ($millions) | 3.8970% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5210% | 7,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 87.1126% | 463 |
| Net loans and leases to deposits | 113.6898% | 626 |
| Net loans and leases to core deposits | 237.4893% | 81 |
| Total domestic deposits to total assets | 76.6230% | 6,087 |
| Equity capital to assets | 22.8324% | 323 |
| Core capital (leverage) ratio | 23.7436% | 284 |
| Tier 1 risk-based capital ratio | 25.6420% | 934 |
| Total risk-based capital ratio | 26.1543% | 976 |
| Memoranda: | ||
| Average total assets | $26,978,600 | 7,764 |
| Average earning assets | $23,594,400 | 7,799 |
| Average equity | $7,945,600 | 6,104 |
| Average total loans | $20,612,800 | 7,291 |