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Timberland Bank, Performance and Condition Ratios
| 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 | 6.2443% | 1,460 |
| Cost of funding earning assets | 2.3957% | 2,313 |
| Net interest margin | 3.8486% | 3,253 |
| Noninterest income to average assets | 0.3153% | 5,922 |
| Noninterest expense to average assets | 3.4303% | 2,278 |
| Loan and lease loss provision to assets | 0.8028% | 1,608 |
| Net operating income to assets | -0.1489% | 6,480 |
| Return on assets (ROA) | -0.1489% | 6,582 |
| Pretax return on assets | -0.3065% | 6,680 |
| Return on Equity (ROE) | -1.6448% | 6,624 |
| Retained earnings to average equity (ytd only) | -1.6448% | 6,028 |
| Net charge-offs to loans | 2.4629% | 574 |
| Credit loss provision to net charge-offs | 44.7154% | 4,756 |
| Earnings coverage of net charge-offs (x) | 0.2764% | 4,751 |
| Efficiency ratio | 87.3606% | 1,948 |
| Assets per employee ($millions) | 2.9916% | 6,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7946% | 1,866 |
| Loan loss allowance to noncurrent loans | 30.4517% | 6,517 |
| Noncurrent assets plus other real estate owned to assets | 4.7458% | 984 |
| Noncurrent loans to loans | 5.8934% | 826 |
| Net loans and leases to total assets | 70.1584% | 3,636 |
| Net loans and leases to deposits | 93.5102% | 2,360 |
| Net loans and leases to core deposits | 151.9686% | 651 |
| Total domestic deposits to total assets | 75.0275% | 6,711 |
| Equity capital to assets | 9.2123% | 5,075 |
| Core capital (leverage) ratio | 8.1998% | 6,103 |
| Tier 1 risk-based capital ratio | 11.8803% | 5,056 |
| Total risk-based capital ratio | 13.1374% | 4,959 |
| Memoranda: | ||
| Average total assets | $137,013,000 | 4,250 |
| Average earning assets | $128,565,500 | 4,182 |
| Average equity | $12,403,000 | 4,725 |
| Average total loans | $99,883,000 | 4,032 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6922% | 2,055 |
| Cost of funding earning assets | 3.2275% | 1,105 |
| Net interest margin | 3.4646% | 5,419 |
| Noninterest income to average assets | 0.0559% | 7,861 |
| Noninterest expense to average assets | 2.6999% | 5,265 |
| Loan and lease loss provision to assets | 3.7046% | 195 |
| Net operating income to assets | -1.8708% | 7,574 |
| Return on assets (ROA) | -1.8708% | 7,528 |
| Pretax return on assets | -3.0745% | 7,727 |
| Return on Equity (ROE) | -22.6083% | 7,817 |
| Retained earnings to average equity (ytd only) | -22.6083% | 7,751 |
| Net charge-offs to loans | 4.4720% | 127 |
| Credit loss provision to net charge-offs | 104.6075% | 5,112 |
| Earnings coverage of net charge-offs (x) | 0.1779% | 6,140 |
| Efficiency ratio | 81.0780% | 2,434 |
| Assets per employee ($millions) | 3.3191% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9944% | 1,236 |
| Loan loss allowance to noncurrent loans | 33.3495% | 6,501 |
| Noncurrent assets plus other real estate owned to assets | 4.6951% | 775 |
| Noncurrent loans to loans | 5.9803% | 601 |
| Net loans and leases to total assets | 72.8282% | 3,405 |
| Net loans and leases to deposits | 96.1238% | 2,427 |
| Net loans and leases to core deposits | 157.8322% | 624 |
| Total domestic deposits to total assets | 75.7651% | 6,294 |
| Equity capital to assets | 8.8980% | 5,509 |
| Core capital (leverage) ratio | 7.8491% | 6,726 |
| Tier 1 risk-based capital ratio | 11.3925% | 5,342 |
| Total risk-based capital ratio | 12.6526% | 5,235 |
| Memoranda: | ||
| Average total assets | $159,341,200 | 3,730 |
| Average earning assets | $150,579,000 | 3,647 |
| Average equity | $13,185,400 | 4,526 |
| Average total loans | $126,184,400 | 3,328 |