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Warren Bank, Performance and Condition Ratios

2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0318%6,506
Cost of funding earning assets3.6513%35
Net interest margin1.3805%7,972
Noninterest income to average assets0.6930%3,069
Noninterest expense to average assets3.7367%1,734
Loan and lease loss provision to assets4.7814%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 loans7.5833%89
Credit loss provision to net charge-offs87.9727%5,541
Earnings coverage of net charge-offs (x)-0.3380%6,381
Efficiency ratio196.6942%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 loans4.3144%234
Loan loss allowance to noncurrent loans23.0282%6,911
Noncurrent assets plus other real estate owned to assets19.2926%54
Noncurrent loans to loans18.7353%78
Net loans and leases to total assets71.8571%3,071
Net loans and leases to deposits77.5484%4,813
Net loans and leases to core deposits119.7514%2,265
Total domestic deposits to total assets92.6609%111
Equity capital to assets1.4522%8,069
Core capital (leverage) ratio1.0865%8,069
Tier 1 risk-based capital ratio1.3085%8,071
Total risk-based capital ratio2.5915%8,071
Memoranda:
Average total assets$560,487,7501,244
Average earning assets$489,963,7501,299
Average equity$15,904,0003,928
Average total loans$401,713,5001,218
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9885%6,811
Cost of funding earning assets3.7482%46
Net interest margin1.2404%8,068
Noninterest income to average assets0.6455%3,377
Noninterest expense to average assets3.4840%2,388
Loan and lease loss provision to assets6.6834%106
Net operating income to assets-8.4304%8,084
Return on assets (ROA)-7.9503%8,068
Pretax return on assets-7.9503%8,052
Return on Equity (ROE)-245.3726%8,158
Retained earnings to average equity (ytd only)-245.3726%8,158
Net charge-offs to loans10.8506%44
Credit loss provision to net charge-offs87.1504%5,008
Earnings coverage of net charge-offs (x)-0.2278%5,903
Efficiency ratio200.5767%198
Assets per employee ($millions)5.0343%2,040
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans4.1096%236
Loan loss allowance to noncurrent loans24.7261%6,860
Noncurrent assets plus other real estate owned to assets16.1504%87
Noncurrent loans to loans16.6203%99
Net loans and leases to total assets69.1030%3,920
Net loans and leases to deposits74.9909%5,323
Net loans and leases to core deposits113.8195%2,926
Total domestic deposits to total assets92.1485%190
Equity capital to assets1.9242%8,147
Core capital (leverage) ratio1.5885%8,153
Tier 1 risk-based capital ratio2.0366%8,154
Total risk-based capital ratio3.3174%8,155
Memoranda:
Average total assets$579,045,0001,226
Average earning assets$509,528,6701,267
Average equity$18,761,6703,429
Average total loans$409,250,6701,227
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0092%6,906
Cost of funding earning assets3.6650%98
Net interest margin1.3442%8,100
Noninterest income to average assets0.5648%3,795
Noninterest expense to average assets3.5557%1,961
Loan and lease loss provision to assets12.5210%22
Net operating income to assets-14.3184%8,204
Return on assets (ROA)-14.0094%8,196
Pretax return on assets-14.0094%8,193
Return on Equity (ROE)-364.0992%8,225
Retained earnings to average equity (ytd only)-364.0992%8,225
Net charge-offs to loans21.0653%14
Credit loss provision to net charge-offs84.8695%4,109
Earnings coverage of net charge-offs (x)-0.1218%5,094
Efficiency ratio202.2205%183
Assets per employee ($millions)5.5095%1,553
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans3.9330%234
Loan loss allowance to noncurrent loans24.9459%6,906
Noncurrent assets plus other real estate owned to assets14.8437%81
Noncurrent loans to loans15.7663%85
Net loans and leases to total assets66.0313%4,578
Net loans and leases to deposits75.1915%5,318
Net loans and leases to core deposits114.7049%2,933
Total domestic deposits to total assets87.8175%1,835
Equity capital to assets2.3214%8,214
Core capital (leverage) ratio1.8091%8,223
Tier 1 risk-based capital ratio2.4997%8,222
Total risk-based capital ratio3.7791%8,224
Memoranda:
Average total assets$594,199,5001,202
Average earning assets$527,585,0001,227
Average equity$22,863,0002,887
Average total loans$416,154,0001,217
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6708%6,861
Cost of funding earning assets3.6164%361
Net interest margin2.0544%8,038
Noninterest income to average assets0.5698%4,081
Noninterest expense to average assets3.5533%2,258
Loan and lease loss provision to assets2.4973%418
Net operating income to assets-3.2728%7,883
Return on assets (ROA)-3.2559%7,857
Pretax return on assets-3.5953%7,823
Return on Equity (ROE)-45.1538%8,120
Retained earnings to average equity (ytd only)-45.1538%8,093
Net charge-offs to loans5.0520%100
Credit loss provision to net charge-offs68.3192%6,097
Earnings coverage of net charge-offs (x)-0.3054%6,417
Efficiency ratio145.8201%371
Assets per employee ($millions)5.4944%1,462
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans4.4336%142
Loan loss allowance to noncurrent loans21.5879%7,160
Noncurrent assets plus other real estate owned to assets16.5756%47
Noncurrent loans to loans20.5375%33
Net loans and leases to total assets68.1327%4,444
Net loans and leases to deposits82.4574%4,654
Net loans and leases to core deposits129.3990%1,898
Total domestic deposits to total assets82.6277%3,934
Equity capital to assets5.3226%8,151
Core capital (leverage) ratio4.7454%8,227
Tier 1 risk-based capital ratio6.1565%8,224
Total risk-based capital ratio7.4414%8,224
Memoranda:
Average total assets$609,206,6001,114
Average earning assets$553,645,4001,111
Average equity$43,927,6001,532
Average total loans$440,797,4001,090