Home > The Woodhouse & Bartley Bank > Performance and Condition Ratios
The Woodhouse & Bartley Bank, Performance and Condition Ratios
| 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 | 3.8268% | 7,388 |
| Cost of funding earning assets | 1.1515% | 5,139 |
| Net interest margin | 2.6753% | 7,260 |
| Noninterest income to average assets | 0.1322% | 6,898 |
| Noninterest expense to average assets | 1.3218% | 7,628 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3879% | 1,132 |
| Return on assets (ROA) | 1.3879% | 1,214 |
| Pretax return on assets | 1.3879% | 1,917 |
| Return on Equity (ROE) | 10.6461% | 1,891 |
| Retained earnings to average equity (ytd only) | 7.2784% | 1,710 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7805% | 7,227 |
| Assets per employee ($millions) | 9.5127% | 300 |
| Cash dividends to net income (ytd only)* | 31.6335% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2169% | 1,772 |
| Loan loss allowance to noncurrent loans | 921.2121% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 7,064 |
| Noncurrent loans to loans | 0.2406% | 6,691 |
| Net loans and leases to total assets | 46.9865% | 6,612 |
| Net loans and leases to deposits | 54.4351% | 6,733 |
| Net loans and leases to core deposits | 54.4351% | 6,936 |
| Total domestic deposits to total assets | 86.3165% | 2,904 |
| Equity capital to assets | 13.2385% | 1,478 |
| Core capital (leverage) ratio | 13.3390% | 1,104 |
| Tier 1 risk-based capital ratio | 24.4183% | 900 |
| Total risk-based capital ratio | 25.6786% | 886 |
| Memoranda: | ||
| Average total assets | $28,243,250 | 7,353 |
| Average earning assets | $27,211,000 | 7,270 |
| Average equity | $3,682,000 | 7,178 |
| Average total loans | $14,554,500 | 7,280 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8761% | 7,445 |
| Cost of funding earning assets | 1.1915% | 5,177 |
| Net interest margin | 2.6846% | 7,273 |
| Noninterest income to average assets | 0.1279% | 6,953 |
| Noninterest expense to average assets | 1.2578% | 7,717 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4638% | 970 |
| Return on assets (ROA) | 1.4638% | 1,032 |
| Pretax return on assets | 1.4638% | 1,659 |
| Return on Equity (ROE) | 11.2877% | 1,652 |
| Retained earnings to average equity (ytd only) | 7.8904% | 1,482 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2141% | 7,429 |
| Assets per employee ($millions) | 9.3390% | 302 |
| Cash dividends to net income (ytd only)* | 30.0971% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0802% | 2,009 |
| Loan loss allowance to noncurrent loans | 1,085.7143% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 7,143 |
| Noncurrent loans to loans | 0.1916% | 6,871 |
| Net loans and leases to total assets | 51.0761% | 6,294 |
| Net loans and leases to deposits | 59.1591% | 6,485 |
| Net loans and leases to core deposits | 60.4078% | 6,681 |
| Total domestic deposits to total assets | 86.3369% | 2,912 |
| Equity capital to assets | 13.2812% | 1,445 |
| Core capital (leverage) ratio | 13.1442% | 1,161 |
| Tier 1 risk-based capital ratio | 23.1262% | 1,050 |
| Total risk-based capital ratio | 24.3816% | 1,027 |
| Memoranda: | ||
| Average total assets | $28,145,000 | 7,409 |
| Average earning assets | $27,192,000 | 7,327 |
| Average equity | $3,650,000 | 7,226 |
| Average total loans | $14,835,000 | 7,323 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8569% | 7,550 |
| Cost of funding earning assets | 1.2218% | 5,272 |
| Net interest margin | 2.6351% | 7,356 |
| Noninterest income to average assets | 0.1276% | 7,042 |
| Noninterest expense to average assets | 1.1627% | 7,840 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5031% | 888 |
| Return on assets (ROA) | 1.5031% | 958 |
| Pretax return on assets | 1.5031% | 1,504 |
| Return on Equity (ROE) | 11.7305% | 1,571 |
| Retained earnings to average equity (ytd only) | 8.2999% | 1,591 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6170% | 7,634 |
| Assets per employee ($millions) | 9.1993% | 336 |
| Cash dividends to net income (ytd only)* | 29.2453% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0283% | 2,110 |
| Loan loss allowance to noncurrent loans | 1,048.2759% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 7,219 |
| Noncurrent loans to loans | 0.1935% | 6,954 |
| Net loans and leases to total assets | 53.2068% | 6,129 |
| Net loans and leases to deposits | 61.5526% | 6,318 |
| Net loans and leases to core deposits | 62.8704% | 6,536 |
| Total domestic deposits to total assets | 86.4410% | 2,923 |
| Equity capital to assets | 13.2328% | 1,430 |
| Core capital (leverage) ratio | 13.1183% | 1,178 |
| Tier 1 risk-based capital ratio | 22.3816% | 1,153 |
| Total risk-based capital ratio | 23.6379% | 1,130 |
| Memoranda: | ||
| Average total assets | $28,209,000 | 7,501 |
| Average earning assets | $27,172,000 | 7,420 |
| Average equity | $3,614,500 | 7,309 |
| Average total loans | $14,945,500 | 7,404 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3478% | 7,523 |
| Cost of funding earning assets | 1.6475% | 4,812 |
| Net interest margin | 2.7003% | 7,210 |
| Noninterest income to average assets | 0.1473% | 7,003 |
| Noninterest expense to average assets | 1.6459% | 7,743 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9757% | 1,924 |
| Return on assets (ROA) | 0.9757% | 1,983 |
| Pretax return on assets | 0.9757% | 2,670 |
| Return on Equity (ROE) | 7.5636% | 2,559 |
| Retained earnings to average equity (ytd only) | 4.6809% | 1,985 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7809% | 6,007 |
| Assets per employee ($millions) | 7.2050% | 739 |
| Cash dividends to net income (ytd only)* | 38.1132% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0399% | 1,940 |
| Loan loss allowance to noncurrent loans | 1,013.3333% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 7,233 |
| Noncurrent loans to loans | 0.2013% | 6,922 |
| Net loans and leases to total assets | 50.6558% | 6,562 |
| Net loans and leases to deposits | 58.0269% | 6,786 |
| Net loans and leases to core deposits | 63.4905% | 7,121 |
| Total domestic deposits to total assets | 87.2970% | 2,330 |
| Equity capital to assets | 12.4115% | 1,791 |
| Core capital (leverage) ratio | 12.6409% | 1,384 |
| Tier 1 risk-based capital ratio | 21.6604% | 1,193 |
| Total risk-based capital ratio | 22.9199% | 1,166 |
| Memoranda: | ||
| Average total assets | $27,158,800 | 7,578 |
| Average earning assets | $24,886,200 | 7,549 |
| Average equity | $3,503,600 | 7,443 |
| Average total loans | $15,184,000 | 7,440 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4673% | 7,545 |
| Cost of funding earning assets | 1.7440% | 4,673 |
| Net interest margin | 2.7233% | 7,175 |
| Noninterest income to average assets | 0.1545% | 7,079 |
| Noninterest expense to average assets | 1.5605% | 7,859 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0619% | 1,858 |
| Return on assets (ROA) | 1.0619% | 1,917 |
| Pretax return on assets | 1.0619% | 2,703 |
| Return on Equity (ROE) | 8.1483% | 2,580 |
| Retained earnings to average equity (ytd only) | 4.8966% | 2,556 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5057% | 6,478 |
| Assets per employee ($millions) | 6.7838% | 866 |
| Cash dividends to net income (ytd only)* | 39.9063% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9774% | 1,853 |
| Loan loss allowance to noncurrent loans | 980.6452% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 7,264 |
| Noncurrent loans to loans | 0.2016% | 6,996 |
| Net loans and leases to total assets | 55.5371% | 6,193 |
| Net loans and leases to deposits | 64.2315% | 6,470 |
| Net loans and leases to core deposits | 70.4140% | 6,945 |
| Total domestic deposits to total assets | 86.4640% | 2,446 |
| Equity capital to assets | 13.0496% | 1,676 |
| Core capital (leverage) ratio | 13.3210% | 1,288 |
| Tier 1 risk-based capital ratio | 21.4463% | 1,297 |
| Total risk-based capital ratio | 22.7061% | 1,270 |
| Memoranda: | ||
| Average total assets | $26,743,500 | 7,660 |
| Average earning assets | $24,234,750 | 7,637 |
| Average equity | $3,485,250 | 7,513 |
| Average total loans | $15,254,250 | 7,505 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6088% | 7,519 |
| Cost of funding earning assets | 1.8827% | 4,359 |
| Net interest margin | 2.7261% | 7,149 |
| Noninterest income to average assets | 0.1428% | 7,233 |
| Noninterest expense to average assets | 1.4279% | 8,003 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1198% | 1,703 |
| Return on assets (ROA) | 1.1198% | 1,785 |
| Pretax return on assets | 1.1198% | 2,564 |
| Return on Equity (ROE) | 8.5961% | 2,516 |
| Retained earnings to average equity (ytd only) | 5.6538% | 2,178 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0472% | 7,117 |
| Assets per employee ($millions) | 6.6228% | 919 |
| Cash dividends to net income (ytd only)* | 34.2282% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9886% | 1,593 |
| Loan loss allowance to noncurrent loans | 950.0000% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 7,262 |
| Noncurrent loans to loans | 0.2093% | 6,989 |
| Net loans and leases to total assets | 56.5588% | 6,149 |
| Net loans and leases to deposits | 65.6056% | 6,428 |
| Net loans and leases to core deposits | 71.9887% | 6,897 |
| Total domestic deposits to total assets | 86.2104% | 2,668 |
| Equity capital to assets | 13.2536% | 1,580 |
| Core capital (leverage) ratio | 13.1331% | 1,389 |
| Tier 1 risk-based capital ratio | 21.6381% | 1,311 |
| Total risk-based capital ratio | 22.8954% | 1,277 |
| Memoranda: | ||
| Average total assets | $26,613,000 | 7,736 |
| Average earning assets | $23,476,670 | 7,746 |
| Average equity | $3,466,670 | 7,586 |
| Average total loans | $15,214,330 | 7,578 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 7,828 |
| Cost of funding earning assets | 1.8711% | 4,785 |
| Net interest margin | 2.4679% | 7,537 |
| Noninterest income to average assets | 0.1500% | 7,228 |
| Noninterest expense to average assets | 1.2746% | 8,088 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1697% | 1,740 |
| Return on assets (ROA) | 1.1697% | 1,855 |
| Pretax return on assets | 1.1697% | 2,728 |
| Return on Equity (ROE) | 9.0579% | 2,689 |
| Retained earnings to average equity (ytd only) | 7.3160% | 2,092 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1472% | 7,402 |
| Assets per employee ($millions) | 6.6180% | 904 |
| Cash dividends to net income (ytd only)* | 19.2308% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0032% | 1,408 |
| Loan loss allowance to noncurrent loans | 950.0000% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 7,224 |
| Noncurrent loans to loans | 0.2109% | 6,926 |
| Net loans and leases to total assets | 56.1801% | 6,217 |
| Net loans and leases to deposits | 65.0256% | 6,460 |
| Net loans and leases to core deposits | 72.3698% | 6,896 |
| Total domestic deposits to total assets | 86.3969% | 2,502 |
| Equity capital to assets | 13.1309% | 1,689 |
| Core capital (leverage) ratio | 13.0849% | 1,454 |
| Tier 1 risk-based capital ratio | 21.6735% | 1,344 |
| Total risk-based capital ratio | 22.9330% | 1,307 |
| Memoranda: | ||
| Average total assets | $26,674,000 | 7,776 |
| Average earning assets | $24,798,500 | 7,733 |
| Average equity | $3,444,500 | 7,641 |
| Average total loans | $15,178,000 | 7,624 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9237% | 7,883 |
| Cost of funding earning assets | 2.0121% | 6,373 |
| Net interest margin | 2.9116% | 7,130 |
| Noninterest income to average assets | 0.1670% | 7,226 |
| Noninterest expense to average assets | 1.9934% | 7,450 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9132% | 2,948 |
| Return on assets (ROA) | 0.9132% | 2,798 |
| Pretax return on assets | 0.9132% | 3,681 |
| Return on Equity (ROE) | 7.1833% | 3,438 |
| Retained earnings to average equity (ytd only) | 0.4672% | 4,962 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5824% | 4,614 |
| Assets per employee ($millions) | 6.7190% | 800 |
| Cash dividends to net income (ytd only)* | 93.4959% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0026% | 1,216 |
| Loan loss allowance to noncurrent loans | 552.7273% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 6,753 |
| Noncurrent loans to loans | 0.3623% | 6,281 |
| Net loans and leases to total assets | 55.3505% | 6,513 |
| Net loans and leases to deposits | 63.7825% | 6,819 |
| Net loans and leases to core deposits | 69.9389% | 7,191 |
| Total domestic deposits to total assets | 86.7800% | 2,045 |
| Equity capital to assets | 12.6991% | 1,917 |
| Core capital (leverage) ratio | 12.0007% | 1,961 |
| Tier 1 risk-based capital ratio | 21.2119% | 1,433 |
| Total risk-based capital ratio | 22.4674% | 1,396 |
| Memoranda: | ||
| Average total assets | $26,939,200 | 7,765 |
| Average earning assets | $25,347,000 | 7,720 |
| Average equity | $3,424,600 | 7,710 |
| Average total loans | $14,623,000 | 7,671 |