Home > Wainwright Bank & Trust Company > Performance and Condition Ratios
Wainwright Bank & Trust Company, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5677% | 7,620 |
| Cost of funding earning assets | 0.0831% | 7,589 |
| Net interest margin | 0.4846% | 7,610 |
| Noninterest income to average assets | 0.0480% | 7,117 |
| Noninterest expense to average assets | 0.3534% | 7,623 |
| Loan and lease loss provision to assets | 1.2392% | 1,251 |
| Net operating income to assets | -0.6445% | 6,482 |
| Return on assets (ROA) | -0.6453% | 6,511 |
| Pretax return on assets | -1.1009% | 6,693 |
| Return on Equity (ROE) | -7.3538% | 6,575 |
| Retained earnings to average equity (ytd only) | -7.3538% | 6,483 |
| Net charge-offs to loans | 0.0191% | 6,622 |
| Credit loss provision to net charge-offs | 8,125.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 9.1250% | 1,868 |
| Efficiency ratio | 71.2019% | 3,951 |
| Assets per employee ($millions) | 7.0923% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 3,990 |
| Loan loss allowance to noncurrent loans | 315.6342% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.5268% | 5,980 |
| Noncurrent loans to loans | 0.4761% | 6,088 |
| Net loans and leases to total assets | 76.0628% | 1,256 |
| Net loans and leases to deposits | 105.2213% | 352 |
| Net loans and leases to core deposits | 122.4798% | 461 |
| Total domestic deposits to total assets | 72.2884% | 7,061 |
| Equity capital to assets | 14.4857% | 905 |
| Core capital (leverage) ratio | 7.4605% | 6,735 |
| Tier 1 risk-based capital ratio | 9.1528% | 7,211 |
| Total risk-based capital ratio | 11.0921% | 7,034 |
| Memoranda: | ||
| Average total assets | $1,049,090,200 | 640 |
| Average earning assets | $962,299,400 | 622 |
| Average equity | $92,061,000 | 727 |
| Average total loans | $839,543,200 | 531 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2447% | 3,608 |
| Cost of funding earning assets | 1.5085% | 2,924 |
| Net interest margin | 3.7362% | 4,245 |
| Noninterest income to average assets | 0.4927% | 4,245 |
| Noninterest expense to average assets | 2.9473% | 3,930 |
| Loan and lease loss provision to assets | 0.0258% | 6,813 |
| Net operating income to assets | 0.7932% | 3,030 |
| Return on assets (ROA) | 0.8301% | 3,018 |
| Pretax return on assets | 1.0742% | 2,914 |
| Return on Equity (ROE) | 11.4508% | 1,662 |
| Retained earnings to average equity (ytd only) | 7.9171% | 1,447 |
| Net charge-offs to loans | 0.0281% | 6,283 |
| Credit loss provision to net charge-offs | 113.6364% | 3,687 |
| Earnings coverage of net charge-offs (x) | 45.8183% | 605 |
| Efficiency ratio | 73.5342% | 3,408 |
| Assets per employee ($millions) | 6.1389% | 1,150 |
| Cash dividends to net income (ytd only)* | 30.8600% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 5,581 |
| Loan loss allowance to noncurrent loans | 266.1004% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 5,943 |
| Noncurrent loans to loans | 0.4443% | 6,304 |
| Net loans and leases to total assets | 84.2929% | 317 |
| Net loans and leases to deposits | 114.5905% | 184 |
| Net loans and leases to core deposits | 132.2792% | 346 |
| Total domestic deposits to total assets | 73.5601% | 6,978 |
| Equity capital to assets | 7.5627% | 7,087 |
| Core capital (leverage) ratio | 7.3358% | 6,983 |
| Tier 1 risk-based capital ratio | 10.1569% | 6,980 |
| Total risk-based capital ratio | 12.0735% | 6,506 |
| Memoranda: | ||
| Average total assets | $1,034,764,000 | 645 |
| Average earning assets | $967,581,750 | 618 |
| Average equity | $75,009,000 | 877 |
| Average total loans | $835,830,250 | 529 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1738% | 4,075 |
| Cost of funding earning assets | 1.5369% | 3,027 |
| Net interest margin | 3.6369% | 4,649 |
| Noninterest income to average assets | 0.6043% | 3,311 |
| Noninterest expense to average assets | 2.9342% | 3,941 |
| Loan and lease loss provision to assets | 0.0385% | 6,575 |
| Net operating income to assets | 0.8235% | 2,855 |
| Return on assets (ROA) | 0.8301% | 2,975 |
| Pretax return on assets | 1.0569% | 2,910 |
| Return on Equity (ROE) | 11.6169% | 1,555 |
| Retained earnings to average equity (ytd only) | 8.0277% | 1,428 |
| Net charge-offs to loans | 0.0420% | 5,785 |
| Credit loss provision to net charge-offs | 115.6069% | 3,510 |
| Earnings coverage of net charge-offs (x) | 32.0809% | 877 |
| Efficiency ratio | 72.8896% | 3,678 |
| Assets per employee ($millions) | 6.4135% | 994 |
| Cash dividends to net income (ytd only)* | 30.8960% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 5,285 |
| Loan loss allowance to noncurrent loans | 189.7431% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.7773% | 5,570 |
| Noncurrent loans to loans | 0.6490% | 5,959 |
| Net loans and leases to total assets | 78.8585% | 981 |
| Net loans and leases to deposits | 104.7967% | 448 |
| Net loans and leases to core deposits | 119.0270% | 727 |
| Total domestic deposits to total assets | 75.2490% | 6,817 |
| Equity capital to assets | 7.2032% | 7,272 |
| Core capital (leverage) ratio | 6.9629% | 7,214 |
| Tier 1 risk-based capital ratio | 9.8369% | 7,110 |
| Total risk-based capital ratio | 11.7609% | 6,666 |
| Memoranda: | ||
| Average total assets | $1,037,954,670 | 638 |
| Average earning assets | $970,164,670 | 614 |
| Average equity | $74,168,000 | 888 |
| Average total loans | $822,939,670 | 534 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2700% | 3,689 |
| Cost of funding earning assets | 1.5927% | 3,008 |
| Net interest margin | 3.6772% | 4,362 |
| Noninterest income to average assets | 0.5179% | 3,913 |
| Noninterest expense to average assets | 2.8624% | 4,214 |
| Loan and lease loss provision to assets | 0.0776% | 5,862 |
| Net operating income to assets | 0.7615% | 3,148 |
| Return on assets (ROA) | 0.8182% | 2,981 |
| Pretax return on assets | 1.0913% | 2,764 |
| Return on Equity (ROE) | 11.4979% | 1,644 |
| Retained earnings to average equity (ytd only) | 7.8942% | 1,752 |
| Net charge-offs to loans | 0.1513% | 4,027 |
| Credit loss provision to net charge-offs | 64.9351% | 4,206 |
| Earnings coverage of net charge-offs (x) | 9.1494% | 1,888 |
| Efficiency ratio | 71.9596% | 3,939 |
| Assets per employee ($millions) | 6.1262% | 1,177 |
| Cash dividends to net income (ytd only)* | 31.3419% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2644% | 5,129 |
| Loan loss allowance to noncurrent loans | 157.7678% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.9033% | 5,353 |
| Noncurrent loans to loans | 0.8014% | 5,712 |
| Net loans and leases to total assets | 76.0785% | 1,530 |
| Net loans and leases to deposits | 104.9047% | 480 |
| Net loans and leases to core deposits | 119.9005% | 789 |
| Total domestic deposits to total assets | 72.5215% | 7,214 |
| Equity capital to assets | 7.0910% | 7,330 |
| Core capital (leverage) ratio | 6.9852% | 7,263 |
| Tier 1 risk-based capital ratio | 10.1153% | 6,955 |
| Total risk-based capital ratio | 12.0747% | 6,301 |
| Memoranda: | ||
| Average total assets | $1,031,026,000 | 659 |
| Average earning assets | $963,873,000 | 631 |
| Average equity | $73,370,000 | 905 |
| Average total loans | $814,517,500 | 560 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2091% | 5,613 |
| Cost of funding earning assets | 1.9021% | 3,454 |
| Net interest margin | 3.3070% | 5,713 |
| Noninterest income to average assets | 0.5706% | 3,854 |
| Noninterest expense to average assets | 2.8070% | 4,957 |
| Loan and lease loss provision to assets | 0.2382% | 5,469 |
| Net operating income to assets | 0.5364% | 3,584 |
| Return on assets (ROA) | 0.6145% | 3,344 |
| Pretax return on assets | 0.7229% | 3,496 |
| Return on Equity (ROE) | 7.2963% | 2,663 |
| Retained earnings to average equity (ytd only) | 3.2330% | 2,895 |
| Net charge-offs to loans | 0.1052% | 6,090 |
| Credit loss provision to net charge-offs | 280.9633% | 1,207 |
| Earnings coverage of net charge-offs (x) | 10.2156% | 1,709 |
| Efficiency ratio | 75.9808% | 3,534 |
| Assets per employee ($millions) | 5.8981% | 1,324 |
| Cash dividends to net income (ytd only)* | 55.6892% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 5,025 |
| Loan loss allowance to noncurrent loans | 296.0390% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 5,919 |
| Noncurrent loans to loans | 0.4239% | 6,421 |
| Net loans and leases to total assets | 79.9955% | 990 |
| Net loans and leases to deposits | 112.9773% | 290 |
| Net loans and leases to core deposits | 137.5805% | 890 |
| Total domestic deposits to total assets | 70.8067% | 7,354 |
| Equity capital to assets | 7.1422% | 7,299 |
| Core capital (leverage) ratio | 6.8424% | 7,346 |
| Tier 1 risk-based capital ratio | 9.8608% | 6,976 |
| Total risk-based capital ratio | 11.8180% | 6,311 |
| Memoranda: | ||
| Average total assets | $1,028,353,000 | 652 |
| Average earning assets | $964,806,200 | 626 |
| Average equity | $86,605,800 | 736 |
| Average total loans | $828,630,000 | 560 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2077% | 5,846 |
| Cost of funding earning assets | 1.9611% | 3,560 |
| Net interest margin | 3.2466% | 5,854 |
| Noninterest income to average assets | 0.6086% | 3,624 |
| Noninterest expense to average assets | 2.7760% | 4,996 |
| Loan and lease loss provision to assets | 0.2520% | 4,934 |
| Net operating income to assets | 0.5578% | 3,761 |
| Return on assets (ROA) | 0.5866% | 3,715 |
| Pretax return on assets | 0.6668% | 3,963 |
| Return on Equity (ROE) | 6.7151% | 3,210 |
| Retained earnings to average equity (ytd only) | 2.7245% | 3,808 |
| Net charge-offs to loans | 0.1134% | 5,547 |
| Credit loss provision to net charge-offs | 276.2040% | 1,528 |
| Earnings coverage of net charge-offs (x) | 9.6771% | 2,074 |
| Efficiency ratio | 75.4370% | 3,599 |
| Assets per employee ($millions) | 5.8039% | 1,345 |
| Cash dividends to net income (ytd only)* | 59.4273% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 5,119 |
| Loan loss allowance to noncurrent loans | 457.5883% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 6,249 |
| Noncurrent loans to loans | 0.2620% | 6,852 |
| Net loans and leases to total assets | 81.4424% | 907 |
| Net loans and leases to deposits | 123.1621% | 151 |
| Net loans and leases to core deposits | 151.3273% | 554 |
| Total domestic deposits to total assets | 66.1262% | 7,680 |
| Equity capital to assets | 9.3285% | 4,987 |
| Core capital (leverage) ratio | 9.1300% | 4,447 |
| Tier 1 risk-based capital ratio | 12.9035% | 4,264 |
| Total risk-based capital ratio | 14.8459% | 3,719 |
| Memoranda: | ||
| Average total assets | $1,031,822,250 | 662 |
| Average earning assets | $969,414,500 | 637 |
| Average equity | $90,143,250 | 725 |
| Average total loans | $830,325,250 | 574 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1751% | 6,166 |
| Cost of funding earning assets | 2.0219% | 3,670 |
| Net interest margin | 3.1533% | 6,080 |
| Noninterest income to average assets | 0.5922% | 3,758 |
| Noninterest expense to average assets | 2.7556% | 5,152 |
| Loan and lease loss provision to assets | 0.1925% | 5,122 |
| Net operating income to assets | 0.5356% | 3,958 |
| Return on assets (ROA) | 0.5687% | 3,928 |
| Pretax return on assets | 0.6513% | 4,160 |
| Return on Equity (ROE) | 6.6563% | 3,359 |
| Retained earnings to average equity (ytd only) | 2.6850% | 3,835 |
| Net charge-offs to loans | 0.0634% | 5,612 |
| Credit loss provision to net charge-offs | 380.2281% | 1,221 |
| Earnings coverage of net charge-offs (x) | 15.8327% | 1,571 |
| Efficiency ratio | 77.0196% | 3,511 |
| Assets per employee ($millions) | 6.0959% | 1,163 |
| Cash dividends to net income (ytd only)* | 59.6616% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 5,274 |
| Loan loss allowance to noncurrent loans | 186.1466% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 6,096 |
| Noncurrent loans to loans | 0.6174% | 6,020 |
| Net loans and leases to total assets | 80.5192% | 1,223 |
| Net loans and leases to deposits | 116.8895% | 302 |
| Net loans and leases to core deposits | 145.4030% | 780 |
| Total domestic deposits to total assets | 68.8850% | 7,565 |
| Equity capital to assets | 8.9963% | 5,326 |
| Core capital (leverage) ratio | 9.0119% | 4,606 |
| Tier 1 risk-based capital ratio | 12.7276% | 4,337 |
| Total risk-based capital ratio | 14.6651% | 3,803 |
| Memoranda: | ||
| Average total assets | $1,039,135,330 | 671 |
| Average earning assets | $977,020,670 | 642 |
| Average equity | $88,788,670 | 744 |
| Average total loans | $829,616,000 | 593 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1953% | 6,316 |
| Cost of funding earning assets | 2.0620% | 3,819 |
| Net interest margin | 3.1332% | 6,094 |
| Noninterest income to average assets | 0.3758% | 5,426 |
| Noninterest expense to average assets | 2.5716% | 5,564 |
| Loan and lease loss provision to assets | 0.1900% | 4,538 |
| Net operating income to assets | 0.4668% | 4,583 |
| Return on assets (ROA) | 0.5920% | 4,248 |
| Pretax return on assets | 0.7136% | 4,388 |
| Return on Equity (ROE) | 7.1089% | 3,551 |
| Retained earnings to average equity (ytd only) | 2.8290% | 4,304 |
| Net charge-offs to loans | 0.0610% | 4,605 |
| Credit loss provision to net charge-offs | 393.7008% | 1,313 |
| Earnings coverage of net charge-offs (x) | 15.5984% | 1,601 |
| Efficiency ratio | 76.8888% | 3,348 |
| Assets per employee ($millions) | 6.6045% | 914 |
| Cash dividends to net income (ytd only)* | 60.2054% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 5,414 |
| Loan loss allowance to noncurrent loans | 380.6519% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 6,734 |
| Noncurrent loans to loans | 0.2909% | 6,714 |
| Net loans and leases to total assets | 77.4619% | 1,942 |
| Net loans and leases to deposits | 111.0515% | 564 |
| Net loans and leases to core deposits | 139.8436% | 1,106 |
| Total domestic deposits to total assets | 69.7532% | 7,447 |
| Equity capital to assets | 8.3697% | 6,285 |
| Core capital (leverage) ratio | 8.7241% | 5,113 |
| Tier 1 risk-based capital ratio | 12.4321% | 4,585 |
| Total risk-based capital ratio | 14.3526% | 4,029 |
| Memoranda: | ||
| Average total assets | $1,052,742,000 | 663 |
| Average earning assets | $990,667,000 | 631 |
| Average equity | $87,665,000 | 757 |
| Average total loans | $832,291,500 | 593 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7737% | 6,524 |
| Cost of funding earning assets | 2.5715% | 3,842 |
| Net interest margin | 3.2022% | 6,361 |
| Noninterest income to average assets | 0.3508% | 5,923 |
| Noninterest expense to average assets | 2.6148% | 5,591 |
| Loan and lease loss provision to assets | 0.1844% | 5,053 |
| Net operating income to assets | 0.5332% | 4,604 |
| Return on assets (ROA) | 0.3426% | 5,204 |
| Pretax return on assets | 0.3558% | 5,370 |
| Return on Equity (ROE) | 4.6677% | 4,528 |
| Retained earnings to average equity (ytd only) | 0.9757% | 4,649 |
| Net charge-offs to loans | 0.0908% | 5,440 |
| Credit loss provision to net charge-offs | 256.4103% | 1,813 |
| Earnings coverage of net charge-offs (x) | 10.2721% | 2,544 |
| Efficiency ratio | 77.4662% | 2,998 |
| Assets per employee ($millions) | 6.6376% | 835 |
| Cash dividends to net income (ytd only)* | 79.0969% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 5,730 |
| Loan loss allowance to noncurrent loans | 422.0290% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 6,788 |
| Noncurrent loans to loans | 0.2458% | 6,647 |
| Net loans and leases to total assets | 78.9580% | 1,895 |
| Net loans and leases to deposits | 116.1517% | 516 |
| Net loans and leases to core deposits | 144.0835% | 1,087 |
| Total domestic deposits to total assets | 67.9784% | 7,472 |
| Equity capital to assets | 8.2851% | 6,442 |
| Core capital (leverage) ratio | 8.9299% | 4,848 |
| Tier 1 risk-based capital ratio | 11.5114% | 5,231 |
| Total risk-based capital ratio | 13.2575% | 4,703 |
| Memoranda: | ||
| Average total assets | $976,071,800 | 675 |
| Average earning assets | $915,267,600 | 651 |
| Average equity | $71,640,600 | 926 |
| Average total loans | $772,961,600 | 616 |