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The First Western Bank Sturgis, Performance and Condition Ratios
| 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 | 6.1179% | 1,736 |
| Cost of funding earning assets | 1.9580% | 3,964 |
| Net interest margin | 4.1599% | 2,125 |
| Noninterest income to average assets | 0.6397% | 3,422 |
| Noninterest expense to average assets | 2.3379% | 6,649 |
| Loan and lease loss provision to assets | 0.3837% | 3,619 |
| Net operating income to assets | 0.8237% | 2,760 |
| Return on assets (ROA) | 0.8248% | 2,855 |
| Pretax return on assets | 1.2560% | 2,141 |
| Return on Equity (ROE) | 3.7711% | 4,591 |
| Retained earnings to average equity (ytd only) | 2.4351% | 3,981 |
| Net charge-offs to loans | 0.3084% | 3,645 |
| Credit loss provision to net charge-offs | 182.0702% | 2,521 |
| Earnings coverage of net charge-offs (x) | 7.7726% | 2,389 |
| Efficiency ratio | 54.4974% | 7,279 |
| Assets per employee ($millions) | 5.1479% | 1,915 |
| Cash dividends to net income (ytd only)* | 35.4275% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2199% | 1,207 |
| Loan loss allowance to noncurrent loans | 83.6278% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.8019% | 3,475 |
| Noncurrent loans to loans | 2.6545% | 2,724 |
| Net loans and leases to total assets | 66.1625% | 4,538 |
| Net loans and leases to deposits | 86.7582% | 3,399 |
| Net loans and leases to core deposits | 108.8252% | 3,513 |
| Total domestic deposits to total assets | 76.2608% | 6,495 |
| Equity capital to assets | 21.6834% | 294 |
| Core capital (leverage) ratio | 10.8884% | 2,496 |
| Tier 1 risk-based capital ratio | 12.5726% | 4,463 |
| Total risk-based capital ratio | 13.8322% | 4,376 |
| Memoranda: | ||
| Average total assets | $513,357,670 | 1,375 |
| Average earning assets | $411,739,330 | 1,579 |
| Average equity | $112,275,330 | 601 |
| Average total loans | $350,898,670 | 1,421 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0436% | 2,180 |
| Cost of funding earning assets | 1.9867% | 4,198 |
| Net interest margin | 4.0569% | 2,430 |
| Noninterest income to average assets | 0.5544% | 3,885 |
| Noninterest expense to average assets | 2.1927% | 6,891 |
| Loan and lease loss provision to assets | 0.3058% | 3,501 |
| Net operating income to assets | 0.8653% | 2,858 |
| Return on assets (ROA) | 0.8673% | 2,998 |
| Pretax return on assets | 1.3308% | 2,173 |
| Return on Equity (ROE) | 3.9485% | 4,955 |
| Retained earnings to average equity (ytd only) | 3.9485% | 3,700 |
| Net charge-offs to loans | 0.5776% | 2,020 |
| Credit loss provision to net charge-offs | 77.0751% | 4,239 |
| Earnings coverage of net charge-offs (x) | 4.1166% | 2,973 |
| Efficiency ratio | 52.7977% | 7,338 |
| Assets per employee ($millions) | 5.1900% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0875% | 1,257 |
| Loan loss allowance to noncurrent loans | 106.3830% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 1.3458% | 3,970 |
| Noncurrent loans to loans | 1.9622% | 3,317 |
| Net loans and leases to total assets | 66.8595% | 4,375 |
| Net loans and leases to deposits | 87.3950% | 3,401 |
| Net loans and leases to core deposits | 108.3197% | 3,636 |
| Total domestic deposits to total assets | 76.5028% | 6,405 |
| Equity capital to assets | 22.1589% | 302 |
| Core capital (leverage) ratio | 11.0597% | 2,457 |
| Tier 1 risk-based capital ratio | 12.7499% | 4,344 |
| Total risk-based capital ratio | 14.0076% | 4,262 |
| Memoranda: | ||
| Average total assets | $510,067,500 | 1,394 |
| Average earning assets | $411,345,000 | 1,584 |
| Average equity | $112,043,000 | 603 |
| Average total loans | $350,441,000 | 1,444 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9386% | 1,287 |
| Cost of funding earning assets | 2.4335% | 4,555 |
| Net interest margin | 4.5051% | 1,405 |
| Noninterest income to average assets | 0.7239% | 2,951 |
| Noninterest expense to average assets | 2.4342% | 6,281 |
| Loan and lease loss provision to assets | 0.8783% | 1,696 |
| Net operating income to assets | 0.7438% | 3,699 |
| Return on assets (ROA) | 0.7440% | 3,539 |
| Pretax return on assets | 1.0965% | 3,037 |
| Return on Equity (ROE) | 3.6718% | 4,964 |
| Retained earnings to average equity (ytd only) | 0.5619% | 4,902 |
| Net charge-offs to loans | 0.8509% | 1,477 |
| Credit loss provision to net charge-offs | 145.1736% | 3,637 |
| Earnings coverage of net charge-offs (x) | 3.2635% | 4,458 |
| Efficiency ratio | 50.3312% | 7,640 |
| Assets per employee ($millions) | 5.2196% | 1,710 |
| Cash dividends to net income (ytd only)* | 84.6979% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0833% | 1,097 |
| Loan loss allowance to noncurrent loans | 98.2526% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.4715% | 3,278 |
| Noncurrent loans to loans | 2.1204% | 2,603 |
| Net loans and leases to total assets | 67.6823% | 4,517 |
| Net loans and leases to deposits | 87.9609% | 3,812 |
| Net loans and leases to core deposits | 108.4004% | 3,923 |
| Total domestic deposits to total assets | 76.9459% | 6,010 |
| Equity capital to assets | 21.7748% | 362 |
| Core capital (leverage) ratio | 9.7924% | 3,655 |
| Tier 1 risk-based capital ratio | 11.1671% | 5,575 |
| Total risk-based capital ratio | 12.4249% | 5,448 |
| Memoranda: | ||
| Average total assets | $476,044,400 | 1,446 |
| Average earning assets | $389,360,800 | 1,596 |
| Average equity | $96,464,400 | 691 |
| Average total loans | $338,458,400 | 1,436 |