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Warren Bank, Performance and Condition Ratios
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 | 5.0318% | 6,506 |
Cost of funding earning assets | 3.6513% | 35 |
Net interest margin | 1.3805% | 7,972 |
Noninterest income to average assets | 0.6930% | 3,069 |
Noninterest expense to average assets | 3.7367% | 1,734 |
Loan and lease loss provision to assets | 4.7814% | 193 |
Net operating income to assets | -6.6184% | 7,961 |
Return on assets (ROA) | -6.2682% | 7,936 |
Pretax return on assets | -6.2682% | 7,923 |
Return on Equity (ROE) | -220.9033% | 8,079 |
Retained earnings to average equity (ytd only) | -220.9033% | 8,079 |
Net charge-offs to loans | 7.5833% | 89 |
Credit loss provision to net charge-offs | 87.9727% | 5,541 |
Earnings coverage of net charge-offs (x) | -0.3380% | 6,381 |
Efficiency ratio | 196.6942% | 161 |
Assets per employee ($millions) | 4.6313% | 2,659 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.3144% | 234 |
Loan loss allowance to noncurrent loans | 23.0282% | 6,911 |
Noncurrent assets plus other real estate owned to assets | 19.2926% | 54 |
Noncurrent loans to loans | 18.7353% | 78 |
Net loans and leases to total assets | 71.8571% | 3,071 |
Net loans and leases to deposits | 77.5484% | 4,813 |
Net loans and leases to core deposits | 119.7514% | 2,265 |
Total domestic deposits to total assets | 92.6609% | 111 |
Equity capital to assets | 1.4522% | 8,069 |
Core capital (leverage) ratio | 1.0865% | 8,069 |
Tier 1 risk-based capital ratio | 1.3085% | 8,071 |
Total risk-based capital ratio | 2.5915% | 8,071 |
Memoranda: | ||
Average total assets | $560,487,750 | 1,244 |
Average earning assets | $489,963,750 | 1,299 |
Average equity | $15,904,000 | 3,928 |
Average total loans | $401,713,500 | 1,218 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9885% | 6,811 |
Cost of funding earning assets | 3.7482% | 46 |
Net interest margin | 1.2404% | 8,068 |
Noninterest income to average assets | 0.6455% | 3,377 |
Noninterest expense to average assets | 3.4840% | 2,388 |
Loan and lease loss provision to assets | 6.6834% | 106 |
Net operating income to assets | -8.4304% | 8,084 |
Return on assets (ROA) | -7.9503% | 8,068 |
Pretax return on assets | -7.9503% | 8,052 |
Return on Equity (ROE) | -245.3726% | 8,158 |
Retained earnings to average equity (ytd only) | -245.3726% | 8,158 |
Net charge-offs to loans | 10.8506% | 44 |
Credit loss provision to net charge-offs | 87.1504% | 5,008 |
Earnings coverage of net charge-offs (x) | -0.2278% | 5,903 |
Efficiency ratio | 200.5767% | 198 |
Assets per employee ($millions) | 5.0343% | 2,040 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1096% | 236 |
Loan loss allowance to noncurrent loans | 24.7261% | 6,860 |
Noncurrent assets plus other real estate owned to assets | 16.1504% | 87 |
Noncurrent loans to loans | 16.6203% | 99 |
Net loans and leases to total assets | 69.1030% | 3,920 |
Net loans and leases to deposits | 74.9909% | 5,323 |
Net loans and leases to core deposits | 113.8195% | 2,926 |
Total domestic deposits to total assets | 92.1485% | 190 |
Equity capital to assets | 1.9242% | 8,147 |
Core capital (leverage) ratio | 1.5885% | 8,153 |
Tier 1 risk-based capital ratio | 2.0366% | 8,154 |
Total risk-based capital ratio | 3.3174% | 8,155 |
Memoranda: | ||
Average total assets | $579,045,000 | 1,226 |
Average earning assets | $509,528,670 | 1,267 |
Average equity | $18,761,670 | 3,429 |
Average total loans | $409,250,670 | 1,227 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0092% | 6,906 |
Cost of funding earning assets | 3.6650% | 98 |
Net interest margin | 1.3442% | 8,100 |
Noninterest income to average assets | 0.5648% | 3,795 |
Noninterest expense to average assets | 3.5557% | 1,961 |
Loan and lease loss provision to assets | 12.5210% | 22 |
Net operating income to assets | -14.3184% | 8,204 |
Return on assets (ROA) | -14.0094% | 8,196 |
Pretax return on assets | -14.0094% | 8,193 |
Return on Equity (ROE) | -364.0992% | 8,225 |
Retained earnings to average equity (ytd only) | -364.0992% | 8,225 |
Net charge-offs to loans | 21.0653% | 14 |
Credit loss provision to net charge-offs | 84.8695% | 4,109 |
Earnings coverage of net charge-offs (x) | -0.1218% | 5,094 |
Efficiency ratio | 202.2205% | 183 |
Assets per employee ($millions) | 5.5095% | 1,553 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9330% | 234 |
Loan loss allowance to noncurrent loans | 24.9459% | 6,906 |
Noncurrent assets plus other real estate owned to assets | 14.8437% | 81 |
Noncurrent loans to loans | 15.7663% | 85 |
Net loans and leases to total assets | 66.0313% | 4,578 |
Net loans and leases to deposits | 75.1915% | 5,318 |
Net loans and leases to core deposits | 114.7049% | 2,933 |
Total domestic deposits to total assets | 87.8175% | 1,835 |
Equity capital to assets | 2.3214% | 8,214 |
Core capital (leverage) ratio | 1.8091% | 8,223 |
Tier 1 risk-based capital ratio | 2.4997% | 8,222 |
Total risk-based capital ratio | 3.7791% | 8,224 |
Memoranda: | ||
Average total assets | $594,199,500 | 1,202 |
Average earning assets | $527,585,000 | 1,227 |
Average equity | $22,863,000 | 2,887 |
Average total loans | $416,154,000 | 1,217 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6708% | 6,861 |
Cost of funding earning assets | 3.6164% | 361 |
Net interest margin | 2.0544% | 8,038 |
Noninterest income to average assets | 0.5698% | 4,081 |
Noninterest expense to average assets | 3.5533% | 2,258 |
Loan and lease loss provision to assets | 2.4973% | 418 |
Net operating income to assets | -3.2728% | 7,883 |
Return on assets (ROA) | -3.2559% | 7,857 |
Pretax return on assets | -3.5953% | 7,823 |
Return on Equity (ROE) | -45.1538% | 8,120 |
Retained earnings to average equity (ytd only) | -45.1538% | 8,093 |
Net charge-offs to loans | 5.0520% | 100 |
Credit loss provision to net charge-offs | 68.3192% | 6,097 |
Earnings coverage of net charge-offs (x) | -0.3054% | 6,417 |
Efficiency ratio | 145.8201% | 371 |
Assets per employee ($millions) | 5.4944% | 1,462 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.4336% | 142 |
Loan loss allowance to noncurrent loans | 21.5879% | 7,160 |
Noncurrent assets plus other real estate owned to assets | 16.5756% | 47 |
Noncurrent loans to loans | 20.5375% | 33 |
Net loans and leases to total assets | 68.1327% | 4,444 |
Net loans and leases to deposits | 82.4574% | 4,654 |
Net loans and leases to core deposits | 129.3990% | 1,898 |
Total domestic deposits to total assets | 82.6277% | 3,934 |
Equity capital to assets | 5.3226% | 8,151 |
Core capital (leverage) ratio | 4.7454% | 8,227 |
Tier 1 risk-based capital ratio | 6.1565% | 8,224 |
Total risk-based capital ratio | 7.4414% | 8,224 |
Memoranda: | ||
Average total assets | $609,206,600 | 1,114 |
Average earning assets | $553,645,400 | 1,111 |
Average equity | $43,927,600 | 1,532 |
Average total loans | $440,797,400 | 1,090 |