Home > The John Warner Bank > Performance and Condition Ratios
The John Warner Bank, 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 | 4.2354% | 7,808 |
| Cost of funding earning assets | 1.3091% | 6,775 |
| Net interest margin | 2.9263% | 6,744 |
| Noninterest income to average assets | 1.1031% | 1,303 |
| Noninterest expense to average assets | 4.1386% | 1,145 |
| Loan and lease loss provision to assets | 7.2515% | 90 |
| Net operating income to assets | -6.9553% | 8,049 |
| Return on assets (ROA) | -18.3153% | 8,168 |
| Pretax return on assets | -20.6099% | 8,173 |
| Return on Equity (ROE) | -368.9092% | 8,174 |
| Retained earnings to average equity (ytd only) | -368.9092% | 8,174 |
| 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 | 113.0265% | 775 |
| Assets per employee ($millions) | 3.0265% | 6,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.8531% | 14 |
| Loan loss allowance to noncurrent loans | 60.3255% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 9.7243% | 315 |
| Noncurrent loans to loans | 17.9909% | 75 |
| Net loans and leases to total assets | 38.0554% | 7,635 |
| Net loans and leases to deposits | 40.6419% | 7,798 |
| Net loans and leases to core deposits | 48.4907% | 7,789 |
| Total domestic deposits to total assets | 93.6359% | 70 |
| Equity capital to assets | 1.9954% | 8,145 |
| Core capital (leverage) ratio | -3.9529% | 8,189 |
| Tier 1 risk-based capital ratio | -4.6193% | 8,188 |
| Total risk-based capital ratio | -4.6193% | 8,188 |
| Memoranda: | ||
| Average total assets | $72,344,000 | 6,023 |
| Average earning assets | $60,348,670 | 6,207 |
| Average equity | $3,591,670 | 7,542 |
| Average total loans | $31,885,670 | 6,615 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4458% | 7,765 |
| Cost of funding earning assets | 1.3448% | 6,891 |
| Net interest margin | 3.1009% | 6,199 |
| Noninterest income to average assets | 1.0365% | 1,382 |
| Noninterest expense to average assets | 3.4459% | 2,242 |
| Loan and lease loss provision to assets | 11.4283% | 28 |
| Net operating income to assets | -9.9040% | 8,171 |
| Return on assets (ROA) | -31.0074% | 8,234 |
| Pretax return on assets | -35.5168% | 8,237 |
| Return on Equity (ROE) | -487.0232% | 8,236 |
| Retained earnings to average equity (ytd only) | -487.0232% | 8,236 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7417% | 1,592 |
| Assets per employee ($millions) | 2.7358% | 6,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3808% | 26 |
| Loan loss allowance to noncurrent loans | 55.0407% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 9.2040% | 267 |
| Noncurrent loans to loans | 15.2265% | 98 |
| Net loans and leases to total assets | 41.6184% | 7,487 |
| Net loans and leases to deposits | 46.1323% | 7,657 |
| Net loans and leases to core deposits | 54.2347% | 7,672 |
| Total domestic deposits to total assets | 90.2154% | 706 |
| Equity capital to assets | 3.6692% | 8,178 |
| Core capital (leverage) ratio | -2.5539% | 8,243 |
| Tier 1 risk-based capital ratio | -2.9958% | 8,243 |
| Total risk-based capital ratio | -2.9958% | 8,243 |
| Memoranda: | ||
| Average total assets | $73,711,500 | 6,008 |
| Average earning assets | $61,272,000 | 6,203 |
| Average equity | $4,693,000 | 7,225 |
| Average total loans | $32,971,000 | 6,594 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6318% | 6,986 |
| Cost of funding earning assets | 1.9489% | 6,575 |
| Net interest margin | 3.6829% | 4,538 |
| Noninterest income to average assets | 1.0609% | 1,396 |
| Noninterest expense to average assets | 3.1755% | 3,425 |
| Loan and lease loss provision to assets | 0.6311% | 2,303 |
| Net operating income to assets | 0.2828% | 5,601 |
| Return on assets (ROA) | -1.8944% | 7,539 |
| Pretax return on assets | -2.6439% | 7,627 |
| Return on Equity (ROE) | -20.2511% | 7,764 |
| Retained earnings to average equity (ytd only) | -24.6810% | 7,799 |
| Net charge-offs to loans | 0.2686% | 3,611 |
| Credit loss provision to net charge-offs | 543.8776% | 806 |
| Earnings coverage of net charge-offs (x) | 8.7143% | 2,831 |
| Efficiency ratio | 73.1052% | 3,727 |
| Assets per employee ($millions) | 2.6307% | 6,935 |
| Cash dividends to net income (ytd only)* | -21.8750% | 7,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7901% | 1,659 |
| Loan loss allowance to noncurrent loans | 32.4179% | 6,557 |
| Noncurrent assets plus other real estate owned to assets | 5.2418% | 642 |
| Noncurrent loans to loans | 5.5219% | 729 |
| Net loans and leases to total assets | 43.2921% | 7,511 |
| Net loans and leases to deposits | 49.8017% | 7,634 |
| Net loans and leases to core deposits | 58.5520% | 7,650 |
| Total domestic deposits to total assets | 86.9290% | 1,969 |
| Equity capital to assets | 8.8818% | 5,526 |
| Core capital (leverage) ratio | 4.9852% | 8,213 |
| Tier 1 risk-based capital ratio | 8.5829% | 7,972 |
| Total risk-based capital ratio | 9.8329% | 8,034 |
| Memoranda: | ||
| Average total assets | $84,459,200 | 5,537 |
| Average earning assets | $71,682,800 | 5,753 |
| Average equity | $7,900,800 | 6,125 |
| Average total loans | $36,489,000 | 6,343 |