Home > Wachovia Bank of Delaware > Performance and Condition Ratios
Wachovia Bank of Delaware, Performance and Condition Ratios
| 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 | 4.0389% | 7,676 |
| Cost of funding earning assets | 0.7002% | 7,684 |
| Net interest margin | 3.3388% | 5,589 |
| Noninterest income to average assets | 0.5715% | 3,845 |
| Noninterest expense to average assets | 0.9096% | 7,951 |
| Loan and lease loss provision to assets | 0.9611% | 2,354 |
| Net operating income to assets | 0.8785% | 2,250 |
| Return on assets (ROA) | 0.8785% | 2,313 |
| Pretax return on assets | 1.4601% | 1,288 |
| Return on Equity (ROE) | 6.1182% | 3,169 |
| Retained earnings to average equity (ytd only) | 6.1182% | 1,313 |
| Net charge-offs to loans | 2.1882% | 1,094 |
| Credit loss provision to net charge-offs | 65.1429% | 6,564 |
| Earnings coverage of net charge-offs (x) | 1.6410% | 4,509 |
| Efficiency ratio | 20.3598% | 7,979 |
| Assets per employee ($millions) | 157.1024% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8183% | 914 |
| Loan loss allowance to noncurrent loans | 280.9484% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.7848% | 5,533 |
| Noncurrent loans to loans | 1.0031% | 5,314 |
| Net loans and leases to total assets | 74.1227% | 2,246 |
| Net loans and leases to deposits | 110.7159% | 362 |
| Net loans and leases to core deposits | 143.0728% | 706 |
| Total domestic deposits to total assets | 66.9486% | 7,604 |
| Equity capital to assets | 17.6580% | 480 |
| Core capital (leverage) ratio | 15.3108% | 720 |
| Tier 1 risk-based capital ratio | 19.5930% | 1,548 |
| Total risk-based capital ratio | 21.2056% | 1,434 |
| Memoranda: | ||
| Average total assets | $4,625,878,000 | 185 |
| Average earning assets | $3,823,020,600 | 194 |
| Average equity | $664,219,000 | 148 |
| Average total loans | $3,119,024,600 | 186 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 7,811 |
| Cost of funding earning assets | 0.6776% | 7,835 |
| Net interest margin | 3.2904% | 5,676 |
| Noninterest income to average assets | 0.5659% | 3,962 |
| Noninterest expense to average assets | 0.9415% | 8,041 |
| Loan and lease loss provision to assets | 1.5916% | 1,188 |
| Net operating income to assets | 0.4292% | 4,278 |
| Return on assets (ROA) | 0.4292% | 4,382 |
| Pretax return on assets | 0.7911% | 3,568 |
| Return on Equity (ROE) | 3.1441% | 4,729 |
| Retained earnings to average equity (ytd only) | 3.1441% | 3,556 |
| Net charge-offs to loans | 2.3365% | 798 |
| Credit loss provision to net charge-offs | 103.9581% | 4,890 |
| Earnings coverage of net charge-offs (x) | 1.5563% | 4,620 |
| Efficiency ratio | 21.5573% | 8,050 |
| Assets per employee ($millions) | 172.2397% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7666% | 343 |
| Loan loss allowance to noncurrent loans | 469.5575% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.5892% | 5,978 |
| Noncurrent loans to loans | 0.8022% | 5,698 |
| Net loans and leases to total assets | 70.3078% | 3,435 |
| Net loans and leases to deposits | 95.6175% | 1,630 |
| Net loans and leases to core deposits | 135.4884% | 1,127 |
| Total domestic deposits to total assets | 73.5303% | 7,022 |
| Equity capital to assets | 16.1392% | 768 |
| Core capital (leverage) ratio | 12.5511% | 1,559 |
| Tier 1 risk-based capital ratio | 17.2587% | 2,199 |
| Total risk-based capital ratio | 18.8938% | 2,039 |
| Memoranda: | ||
| Average total assets | $4,761,181,750 | 186 |
| Average earning assets | $3,991,217,500 | 197 |
| Average equity | $649,956,250 | 155 |
| Average total loans | $3,119,914,500 | 195 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8014% | 7,967 |
| Cost of funding earning assets | 0.6103% | 7,984 |
| Net interest margin | 3.1911% | 5,950 |
| Noninterest income to average assets | 0.5470% | 4,055 |
| Noninterest expense to average assets | 0.9461% | 8,135 |
| Loan and lease loss provision to assets | 2.0392% | 795 |
| Net operating income to assets | 0.0916% | 5,588 |
| Return on assets (ROA) | 0.0916% | 5,689 |
| Pretax return on assets | 0.2751% | 5,262 |
| Return on Equity (ROE) | 0.7066% | 5,723 |
| Retained earnings to average equity (ytd only) | 0.7066% | 4,908 |
| Net charge-offs to loans | 2.4337% | 725 |
| Credit loss provision to net charge-offs | 132.0806% | 3,537 |
| Earnings coverage of net charge-offs (x) | 1.4990% | 4,412 |
| Efficiency ratio | 22.4110% | 8,134 |
| Assets per employee ($millions) | 196.1680% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0644% | 247 |
| Loan loss allowance to noncurrent loans | 528.0866% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.5237% | 6,123 |
| Noncurrent loans to loans | 0.7697% | 5,695 |
| Net loans and leases to total assets | 64.8013% | 4,807 |
| Net loans and leases to deposits | 78.1989% | 4,836 |
| Net loans and leases to core deposits | 125.3135% | 1,925 |
| Total domestic deposits to total assets | 82.8673% | 4,301 |
| Equity capital to assets | 14.4597% | 1,173 |
| Core capital (leverage) ratio | 9.8024% | 3,517 |
| Tier 1 risk-based capital ratio | 15.1389% | 2,962 |
| Total risk-based capital ratio | 16.7616% | 2,740 |
| Memoranda: | ||
| Average total assets | $4,970,324,670 | 187 |
| Average earning assets | $4,226,233,000 | 193 |
| Average equity | $644,223,000 | 159 |
| Average total loans | $3,153,183,670 | 200 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7482% | 8,049 |
| Cost of funding earning assets | 0.4803% | 8,105 |
| Net interest margin | 3.2679% | 5,625 |
| Noninterest income to average assets | 0.5949% | 3,581 |
| Noninterest expense to average assets | 0.8314% | 8,191 |
| Loan and lease loss provision to assets | 4.6139% | 191 |
| Net operating income to assets | -1.3125% | 7,419 |
| Return on assets (ROA) | -1.3125% | 7,433 |
| Pretax return on assets | -1.9823% | 7,527 |
| Return on Equity (ROE) | -10.6609% | 7,406 |
| Retained earnings to average equity (ytd only) | -10.6609% | 7,170 |
| Net charge-offs to loans | 2.2679% | 638 |
| Credit loss provision to net charge-offs | 329.9499% | 1,509 |
| Earnings coverage of net charge-offs (x) | 1.8819% | 3,781 |
| Efficiency ratio | 18.0610% | 8,191 |
| Assets per employee ($millions) | 184.6503% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7278% | 124 |
| Loan loss allowance to noncurrent loans | 635.5459% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 6,005 |
| Noncurrent loans to loans | 0.7439% | 5,569 |
| Net loans and leases to total assets | 61.9998% | 5,323 |
| Net loans and leases to deposits | 74.3767% | 5,437 |
| Net loans and leases to core deposits | 124.6998% | 2,018 |
| Total domestic deposits to total assets | 83.3591% | 3,970 |
| Equity capital to assets | 12.6977% | 1,890 |
| Core capital (leverage) ratio | 8.4055% | 5,709 |
| Tier 1 risk-based capital ratio | 13.5100% | 3,857 |
| Total risk-based capital ratio | 15.6109% | 3,313 |
| Memoranda: | ||
| Average total assets | $5,199,555,500 | 181 |
| Average earning assets | $4,563,259,000 | 184 |
| Average equity | $640,134,500 | 153 |
| Average total loans | $3,205,967,500 | 197 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 8,298 |
| Cost of funding earning assets | 0.0000% | 8,290 |
| Net interest margin | 0.0000% | 8,294 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 0.0000% | 8,298 |
| Loan and lease loss provision to assets | 0.0001% | 7,333 |
| Net operating income to assets | -0.0001% | 6,373 |
| Return on assets (ROA) | -0.0001% | 6,239 |
| Pretax return on assets | -0.0001% | 6,161 |
| Return on Equity (ROE) | -0.0006% | 6,240 |
| Retained earnings to average equity (ytd only) | -0.0006% | 5,260 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 193.3412% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5252% | 269 |
| Loan loss allowance to noncurrent loans | 1,016.7638% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.2135% | 6,717 |
| Noncurrent loans to loans | 0.3467% | 6,334 |
| Net loans and leases to total assets | 56.4482% | 6,382 |
| Net loans and leases to deposits | 66.3328% | 6,619 |
| Net loans and leases to core deposits | 116.5598% | 3,061 |
| Total domestic deposits to total assets | 85.0984% | 2,797 |
| Equity capital to assets | 11.9555% | 2,316 |
| Core capital (leverage) ratio | 8.6240% | 5,335 |
| Tier 1 risk-based capital ratio | 14.1125% | 3,494 |
| Total risk-based capital ratio | 16.1747% | 2,997 |
| Memoranda: | ||
| Average total assets | $4,785,025,800 | 188 |
| Average earning assets | $4,130,212,600 | 190 |
| Average equity | $496,594,400 | 194 |
| Average total loans | $3,087,918,600 | 194 |