Home > Walden Mutual Bank > Performance and Condition Ratios
Walden Mutual Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2684% | 864 |
| Cost of funding earning assets | 2.3522% | 1,123 |
| Net interest margin | 3.9161% | 1,441 |
| Noninterest income to average assets | 0.0600% | 4,268 |
| Noninterest expense to average assets | 4.1980% | 340 |
| Loan and lease loss provision to assets | 0.3600% | 284 |
| Net operating income to assets | -0.6424% | 4,330 |
| Return on assets (ROA) | -0.6424% | 4,359 |
| Pretax return on assets | -0.6424% | 4,350 |
| Return on Equity (ROE) | -5.1800% | 4,332 |
| Retained earnings to average equity (ytd only) | -5.1790% | 4,084 |
| Net charge-offs to loans | 0.1436% | 674 |
| Credit loss provision to net charge-offs | 342.4242% | 661 |
| Earnings coverage of net charge-offs (x) | -2.7576% | 4,436 |
| Efficiency ratio | 107.3269% | 196 |
| Assets per employee ($millions) | 7.2368% | 2,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6711% | 4,075 |
| Loan loss allowance to noncurrent loans | 14.3389% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 3.5068% | 63 |
| Noncurrent loans to loans | 4.6800% | 85 |
| Net loans and leases to total assets | 74.4300% | 1,281 |
| Net loans and leases to deposits | 85.3796% | 1,554 |
| Net loans and leases to core deposits | 115.1969% | 687 |
| Total domestic deposits to total assets | 87.1700% | 1,854 |
| Equity capital to assets | 12.0173% | 1,217 |
| Core capital (leverage) ratio | 12.2161% | 1,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $127,014,000 | 3,565 |
| Average earning assets | $124,817,000 | 3,497 |
| Average equity | $15,756,000 | 3,308 |
| Average total loans | $91,913,000 | 3,299 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5065% | 700 |
| Cost of funding earning assets | 2.6866% | 858 |
| Net interest margin | 3.8200% | 1,464 |
| Noninterest income to average assets | 0.0700% | 4,316 |
| Noninterest expense to average assets | 4.4455% | 292 |
| Loan and lease loss provision to assets | 2.5600% | 22 |
| Net operating income to assets | -3.2276% | 4,443 |
| Return on assets (ROA) | -3.2276% | 4,481 |
| Pretax return on assets | -3.1987% | 4,480 |
| Return on Equity (ROE) | -18.8000% | 4,445 |
| Retained earnings to average equity (ytd only) | -18.8042% | 4,451 |
| Net charge-offs to loans | 4.3922% | 48 |
| Credit loss provision to net charge-offs | 104.3087% | 1,832 |
| Earnings coverage of net charge-offs (x) | -0.2593% | 4,404 |
| Efficiency ratio | 116.7214% | 143 |
| Assets per employee ($millions) | 7.7354% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6669% | 4,104 |
| Loan loss allowance to noncurrent loans | 25.7386% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.8050% | 251 |
| Noncurrent loans to loans | 2.5911% | 257 |
| Net loans and leases to total assets | 69.2000% | 1,999 |
| Net loans and leases to deposits | 80.0187% | 2,140 |
| Net loans and leases to core deposits | 118.3108% | 655 |
| Total domestic deposits to total assets | 86.4800% | 2,047 |
| Equity capital to assets | 12.8129% | 940 |
| Core capital (leverage) ratio | 13.0360% | 1,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $103,948,600 | 3,743 |
| Average earning assets | $101,728,400 | 3,683 |
| Average equity | $17,841,800 | 3,108 |
| Average total loans | $58,126,000 | 3,722 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4371% | 745 |
| Cost of funding earning assets | 2.6759% | 875 |
| Net interest margin | 3.7612% | 1,522 |
| Noninterest income to average assets | 0.0700% | 4,324 |
| Noninterest expense to average assets | 4.5927% | 271 |
| Loan and lease loss provision to assets | 2.6600% | 21 |
| Net operating income to assets | -3.5503% | 4,486 |
| Return on assets (ROA) | -3.5503% | 4,519 |
| Pretax return on assets | -3.5099% | 4,517 |
| Return on Equity (ROE) | -19.1700% | 4,479 |
| Retained earnings to average equity (ytd only) | -19.1658% | 4,481 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 122.5737% | 122 |
| Assets per employee ($millions) | 7.0881% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3360% | 131 |
| Loan loss allowance to noncurrent loans | 50.5588% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 4.0101% | 44 |
| Noncurrent loans to loans | 6.5982% | 41 |
| Net loans and leases to total assets | 58.7500% | 3,041 |
| Net loans and leases to deposits | 68.8388% | 3,067 |
| Net loans and leases to core deposits | 102.2401% | 1,348 |
| Total domestic deposits to total assets | 85.3400% | 2,185 |
| Equity capital to assets | 13.7580% | 785 |
| Core capital (leverage) ratio | 14.5425% | 702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $98,994,250 | 3,800 |
| Average earning assets | $96,811,500 | 3,734 |
| Average equity | $18,337,750 | 3,079 |
| Average total loans | $51,102,750 | 3,805 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6647% | 525 |
| Cost of funding earning assets | 2.6021% | 922 |
| Net interest margin | 4.0626% | 1,047 |
| Noninterest income to average assets | 0.0700% | 4,347 |
| Noninterest expense to average assets | 4.8178% | 248 |
| Loan and lease loss provision to assets | 0.2900% | 343 |
| Net operating income to assets | -1.1304% | 4,461 |
| Return on assets (ROA) | -1.1304% | 4,492 |
| Pretax return on assets | -1.0651% | 4,479 |
| Return on Equity (ROE) | -5.4900% | 4,420 |
| Retained earnings to average equity (ytd only) | -5.4850% | 4,332 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 119.3096% | 137 |
| Assets per employee ($millions) | 8.8266% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 2,445 |
| Loan loss allowance to noncurrent loans | 182.8221% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 1,932 |
| Noncurrent loans to loans | 0.6346% | 1,459 |
| Net loans and leases to total assets | 47.9400% | 3,748 |
| Net loans and leases to deposits | 58.9413% | 3,626 |
| Net loans and leases to core deposits | 85.8106% | 2,418 |
| Total domestic deposits to total assets | 81.3300% | 3,215 |
| Equity capital to assets | 17.6503% | 359 |
| Core capital (leverage) ratio | 18.7135% | 307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $91,826,667 | 3,875 |
| Average earning assets | $89,696,667 | 3,816 |
| Average equity | $18,924,333 | 3,021 |
| Average total loans | $43,726,333 | 3,937 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5534% | 538 |
| Cost of funding earning assets | 2.4134% | 1,149 |
| Net interest margin | 4.1400% | 928 |
| Noninterest income to average assets | 0.0700% | 4,325 |
| Noninterest expense to average assets | 5.1097% | 216 |
| Loan and lease loss provision to assets | 0.6500% | 123 |
| Net operating income to assets | -1.6560% | 4,546 |
| Return on assets (ROA) | -1.6560% | 4,538 |
| Pretax return on assets | -1.6560% | 4,534 |
| Return on Equity (ROE) | -7.3700% | 4,451 |
| Retained earnings to average equity (ytd only) | -7.3743% | 4,218 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 124.4828% | 103 |
| Assets per employee ($millions) | 7.2280% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 1,672 |
| Loan loss allowance to noncurrent loans | 184.4037% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 1,720 |
| Noncurrent loans to loans | 0.7180% | 1,240 |
| Net loans and leases to total assets | 47.8200% | 3,716 |
| Net loans and leases to deposits | 60.6402% | 3,478 |
| Net loans and leases to core deposits | 87.1804% | 2,230 |
| Total domestic deposits to total assets | 78.8700% | 3,694 |
| Equity capital to assets | 20.0758% | 283 |
| Core capital (leverage) ratio | 22.0771% | 197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $84,780,500 | 3,962 |
| Average earning assets | $82,705,000 | 3,906 |
| Average equity | $19,039,000 | 3,026 |
| Average total loans | $39,904,000 | 4,004 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1902% | 502 |
| Cost of funding earning assets | 1.6042% | 1,679 |
| Net interest margin | 4.5860% | 540 |
| Noninterest income to average assets | 0.0500% | 4,441 |
| Noninterest expense to average assets | 8.0790% | 132 |
| Loan and lease loss provision to assets | 0.8100% | 90 |
| Net operating income to assets | -4.4557% | 4,590 |
| Return on assets (ROA) | -4.4557% | 4,586 |
| Pretax return on assets | -4.4381% | 4,585 |
| Return on Equity (ROE) | -11.2000% | 4,511 |
| Retained earnings to average equity (ytd only) | -11.2009% | 4,475 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 181.4782% | 19 |
| Assets per employee ($millions) | 5.8152% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 1,557 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 44.7100% | 3,875 |
| Net loans and leases to deposits | 60.8880% | 3,478 |
| Net loans and leases to core deposits | 88.4892% | 2,150 |
| Total domestic deposits to total assets | 73.4400% | 4,135 |
| Equity capital to assets | 25.4164% | 187 |
| Core capital (leverage) ratio | 27.4953% | 132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $51,058,400 | 4,313 |
| Average earning assets | $48,997,000 | 4,263 |
| Average equity | $20,310,800 | 2,833 |
| Average total loans | $19,533,200 | 4,299 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8635% | 637 |
| Cost of funding earning assets | 1.3078% | 2,128 |
| Net interest margin | 4.5556% | 570 |
| Noninterest income to average assets | 0.0400% | 4,484 |
| Noninterest expense to average assets | 8.8177% | 124 |
| Loan and lease loss provision to assets | 1.0200% | 61 |
| Net operating income to assets | -5.4847% | 4,619 |
| Return on assets (ROA) | -5.4847% | 4,617 |
| Pretax return on assets | -5.4580% | 4,617 |
| Return on Equity (ROE) | -11.9700% | 4,548 |
| Retained earnings to average equity (ytd only) | -11.9696% | 4,513 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 201.4237% | 20 |
| Assets per employee ($millions) | 4.7687% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 1,859 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 48.1900% | 3,728 |
| Net loans and leases to deposits | 72.0685% | 2,706 |
| Net loans and leases to core deposits | 111.5942% | 812 |
| Total domestic deposits to total assets | 66.8700% | 4,390 |
| Equity capital to assets | 31.6826% | 159 |
| Core capital (leverage) ratio | 34.5640% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $44,923,750 | 4,370 |
| Average earning assets | $42,817,750 | 4,336 |
| Average equity | $20,585,000 | 2,796 |
| Average total loans | $15,849,750 | 4,362 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3907% | 963 |
| Cost of funding earning assets | 0.9307% | 2,832 |
| Net interest margin | 4.4599% | 641 |
| Noninterest income to average assets | 0.0300% | 4,529 |
| Noninterest expense to average assets | 9.1910% | 115 |
| Loan and lease loss provision to assets | 0.7900% | 91 |
| Net operating income to assets | -5.7705% | 4,648 |
| Return on assets (ROA) | -5.7705% | 4,647 |
| Pretax return on assets | -5.7246% | 4,647 |
| Return on Equity (ROE) | -10.8300% | 4,582 |
| Retained earnings to average equity (ytd only) | -10.8327% | 4,526 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 216.1871% | 18 |
| Assets per employee ($millions) | 4.5809% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1799% | 2,545 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 34.0700% | 4,235 |
| Net loans and leases to deposits | 58.7617% | 3,495 |
| Net loans and leases to core deposits | 76.6165% | 2,718 |
| Total domestic deposits to total assets | 57.9800% | 4,494 |
| Equity capital to assets | 40.3989% | 137 |
| Core capital (leverage) ratio | 42.7803% | 90 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $39,234,000 | 4,437 |
| Average earning assets | $37,175,333 | 4,407 |
| Average equity | $20,899,667 | 2,784 |
| Average total loans | $11,043,000 | 4,455 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3421% | 2,699 |
| Cost of funding earning assets | 0.4178% | 3,914 |
| Net interest margin | 3.9244% | 1,421 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 10.9817% | 102 |
| Loan and lease loss provision to assets | 0.9000% | 75 |
| Net operating income to assets | -8.1887% | 4,679 |
| Return on assets (ROA) | -8.1887% | 4,678 |
| Pretax return on assets | -8.1887% | 4,676 |
| Return on Equity (ROE) | -13.0200% | 4,612 |
| Retained earnings to average equity (ytd only) | -13.0178% | 4,525 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 297.1061% | 13 |
| Assets per employee ($millions) | 4.0563% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 2,813 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 24.4300% | 4,470 |
| Net loans and leases to deposits | 47.5260% | 3,979 |
| Net loans and leases to core deposits | 64.3984% | 3,323 |
| Total domestic deposits to total assets | 51.4100% | 4,571 |
| Equity capital to assets | 46.6169% | 92 |
| Core capital (leverage) ratio | 74.0925% | 61 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $33,656,000 | 4,552 |
| Average earning assets | $31,597,500 | 4,525 |
| Average equity | $21,171,000 | 2,786 |
| Average total loans | $7,877,500 | 4,558 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3684% | 4,667 |
| Cost of funding earning assets | 0.0000% | 4,648 |
| Net interest margin | 1.3684% | 4,646 |
| Noninterest income to average assets | 0.0000% | 4,670 |
| Noninterest expense to average assets | 13.5108% | 88 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | -12.4840% | 4,722 |
| Return on assets (ROA) | -12.4840% | 4,722 |
| Pretax return on assets | -12.4840% | 4,722 |
| Return on Equity (ROE) | -13.1500% | 4,676 |
| Retained earnings to average equity (ytd only) | -13.1511% | 4,661 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 1,079.5775% | 4 |
| Assets per employee ($millions) | 2.8366% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 2,995 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 20.6000% | 4,548 |
| Net loans and leases to deposits | 890.4762% | 3 |
| Net loans and leases to core deposits | 890.4762% | 6 |
| Total domestic deposits to total assets | 2.3100% | 4,658 |
| Equity capital to assets | 94.9280% | 20 |
| Core capital (leverage) ratio | 96.7267% | 21 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $22,693,000 | 4,659 |
| Average earning assets | $20,754,000 | 4,632 |
| Average equity | $21,542,000 | 2,808 |
| Average total loans | $4,726,000 | 4,623 |