Home > Washington First International Bank > Performance and Condition Ratios
Washington First International Bank, Performance and Condition Ratios
| 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 | 4.4751% | 6,837 |
| Cost of funding earning assets | 2.4926% | 230 |
| Net interest margin | 1.9825% | 7,724 |
| Noninterest income to average assets | -0.1025% | 7,757 |
| Noninterest expense to average assets | 2.3782% | 6,168 |
| Loan and lease loss provision to assets | 2.8592% | 359 |
| Net operating income to assets | -3.4929% | 7,680 |
| Return on assets (ROA) | -3.4929% | 7,679 |
| Pretax return on assets | -3.5812% | 7,649 |
| Return on Equity (ROE) | -149.7614% | 7,869 |
| Retained earnings to average equity (ytd only) | -149.7614% | 7,867 |
| Net charge-offs to loans | 1.6436% | 1,061 |
| Credit loss provision to net charge-offs | 220.6697% | 1,705 |
| Earnings coverage of net charge-offs (x) | -0.5572% | 5,301 |
| Efficiency ratio | 143.5863% | 232 |
| Assets per employee ($millions) | 7.4412% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7255% | 218 |
| Loan loss allowance to noncurrent loans | 28.4773% | 6,499 |
| Noncurrent assets plus other real estate owned to assets | 18.0043% | 85 |
| Noncurrent loans to loans | 16.5939% | 140 |
| Net loans and leases to total assets | 76.2522% | 1,488 |
| Net loans and leases to deposits | 89.9914% | 1,903 |
| Net loans and leases to core deposits | 104.0266% | 1,737 |
| Total domestic deposits to total assets | 84.7328% | 3,788 |
| Equity capital to assets | 1.9661% | 7,888 |
| Core capital (leverage) ratio | 1.8018% | 7,887 |
| Tier 1 risk-based capital ratio | 2.0874% | 7,898 |
| Total risk-based capital ratio | 3.3738% | 7,898 |
| Memoranda: | ||
| Average total assets | $534,688,500 | 1,306 |
| Average earning assets | $474,362,000 | 1,343 |
| Average equity | $12,470,500 | 4,596 |
| Average total loans | $421,507,500 | 1,113 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 7,525 |
| Cost of funding earning assets | 2.8623% | 354 |
| Net interest margin | 1.4845% | 7,869 |
| Noninterest income to average assets | -0.6969% | 7,968 |
| Noninterest expense to average assets | 1.9584% | 7,431 |
| Loan and lease loss provision to assets | 10.0544% | 13 |
| Net operating income to assets | -9.3677% | 7,967 |
| Return on assets (ROA) | -9.2967% | 7,967 |
| Pretax return on assets | -11.2522% | 7,980 |
| Return on Equity (ROE) | -119.2914% | 7,966 |
| Retained earnings to average equity (ytd only) | -119.2914% | 7,965 |
| Net charge-offs to loans | 13.5723% | 16 |
| Credit loss provision to net charge-offs | 92.5223% | 5,916 |
| Earnings coverage of net charge-offs (x) | -0.1181% | 6,351 |
| Efficiency ratio | 290.0903% | 66 |
| Assets per employee ($millions) | 8.1864% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1326% | 331 |
| Loan loss allowance to noncurrent loans | 22.5437% | 6,940 |
| Noncurrent assets plus other real estate owned to assets | 19.1261% | 64 |
| Noncurrent loans to loans | 18.3314% | 97 |
| Net loans and leases to total assets | 74.4803% | 2,145 |
| Net loans and leases to deposits | 85.5680% | 2,987 |
| Net loans and leases to core deposits | 192.6803% | 119 |
| Total domestic deposits to total assets | 87.0422% | 2,479 |
| Equity capital to assets | 2.6801% | 7,932 |
| Core capital (leverage) ratio | 2.4173% | 7,936 |
| Tier 1 risk-based capital ratio | 2.9565% | 7,947 |
| Total risk-based capital ratio | 4.2357% | 7,947 |
| Memoranda: | ||
| Average total assets | $623,307,800 | 1,111 |
| Average earning assets | $576,073,200 | 1,098 |
| Average equity | $48,576,000 | 1,381 |
| Average total loans | $499,069,600 | 956 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3293% | 7,654 |
| Cost of funding earning assets | 2.9345% | 401 |
| Net interest margin | 1.3948% | 7,969 |
| Noninterest income to average assets | -0.0482% | 7,897 |
| Noninterest expense to average assets | 1.7540% | 7,706 |
| Loan and lease loss provision to assets | 8.2433% | 37 |
| Net operating income to assets | -5.7347% | 7,911 |
| Return on assets (ROA) | -5.6930% | 7,903 |
| Pretax return on assets | -8.6825% | 8,016 |
| Return on Equity (ROE) | -64.0718% | 7,910 |
| Retained earnings to average equity (ytd only) | -64.0718% | 7,908 |
| Net charge-offs to loans | 9.6114% | 51 |
| Credit loss provision to net charge-offs | 106.4412% | 4,780 |
| Earnings coverage of net charge-offs (x) | -0.0649% | 6,142 |
| Efficiency ratio | 140.1361% | 384 |
| Assets per employee ($millions) | 8.9699% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2644% | 119 |
| Loan loss allowance to noncurrent loans | 19.0530% | 7,139 |
| Noncurrent assets plus other real estate owned to assets | 24.3887% | 22 |
| Noncurrent loans to loans | 27.6301% | 20 |
| Net loans and leases to total assets | 73.9853% | 2,525 |
| Net loans and leases to deposits | 89.2030% | 2,741 |
| Net loans and leases to core deposits | 203.8330% | 95 |
| Total domestic deposits to total assets | 82.9404% | 4,255 |
| Equity capital to assets | 7.4558% | 7,331 |
| Core capital (leverage) ratio | 4.8021% | 7,936 |
| Tier 1 risk-based capital ratio | 5.6463% | 7,968 |
| Total risk-based capital ratio | 6.9394% | 7,972 |
| Memoranda: | ||
| Average total assets | $642,012,250 | 1,093 |
| Average earning assets | $598,295,500 | 1,064 |
| Average equity | $57,045,000 | 1,174 |
| Average total loans | $517,305,250 | 940 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 7,629 |
| Cost of funding earning assets | 3.0302% | 427 |
| Net interest margin | 1.4630% | 8,024 |
| Noninterest income to average assets | 0.1544% | 7,162 |
| Noninterest expense to average assets | 1.6694% | 7,863 |
| Loan and lease loss provision to assets | 6.5323% | 113 |
| Net operating income to assets | -4.3914% | 7,881 |
| Return on assets (ROA) | -4.3643% | 7,877 |
| Pretax return on assets | -6.6334% | 7,997 |
| Return on Equity (ROE) | -46.7743% | 7,896 |
| Retained earnings to average equity (ytd only) | -46.7743% | 7,888 |
| Net charge-offs to loans | 8.9382% | 75 |
| Credit loss provision to net charge-offs | 89.8394% | 4,932 |
| Earnings coverage of net charge-offs (x) | -0.0196% | 5,711 |
| Efficiency ratio | 109.3098% | 866 |
| Assets per employee ($millions) | 9.1964% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8857% | 285 |
| Loan loss allowance to noncurrent loans | 17.4904% | 7,255 |
| Noncurrent assets plus other real estate owned to assets | 18.7545% | 52 |
| Noncurrent loans to loans | 22.2160% | 40 |
| Net loans and leases to total assets | 77.8633% | 1,780 |
| Net loans and leases to deposits | 95.9491% | 1,805 |
| Net loans and leases to core deposits | 230.5673% | 70 |
| Total domestic deposits to total assets | 81.1506% | 5,020 |
| Equity capital to assets | 9.0602% | 5,229 |
| Core capital (leverage) ratio | 8.9675% | 4,685 |
| Tier 1 risk-based capital ratio | 9.9985% | 6,928 |
| Total risk-based capital ratio | 11.2762% | 6,823 |
| Memoranda: | ||
| Average total assets | $652,698,330 | 1,097 |
| Average earning assets | $612,427,330 | 1,048 |
| Average equity | $60,901,000 | 1,125 |
| Average total loans | $530,956,000 | 930 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5825% | 7,633 |
| Cost of funding earning assets | 3.1213% | 430 |
| Net interest margin | 1.4612% | 8,069 |
| Noninterest income to average assets | 0.1522% | 7,211 |
| Noninterest expense to average assets | 1.5764% | 7,924 |
| Loan and lease loss provision to assets | 9.1142% | 55 |
| Net operating income to assets | -6.0317% | 8,090 |
| Return on assets (ROA) | -6.0301% | 8,081 |
| Pretax return on assets | -9.1635% | 8,141 |
| Return on Equity (ROE) | -63.7219% | 8,097 |
| Retained earnings to average equity (ytd only) | -63.7219% | 8,081 |
| Net charge-offs to loans | 12.4507% | 38 |
| Credit loss provision to net charge-offs | 89.8045% | 4,012 |
| Earnings coverage of net charge-offs (x) | -0.0051% | 4,986 |
| Efficiency ratio | 103.3932% | 1,002 |
| Assets per employee ($millions) | 9.4328% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9892% | 225 |
| Loan loss allowance to noncurrent loans | 17.5636% | 7,286 |
| Noncurrent assets plus other real estate owned to assets | 18.4322% | 46 |
| Noncurrent loans to loans | 22.7126% | 33 |
| Net loans and leases to total assets | 76.4542% | 2,172 |
| Net loans and leases to deposits | 95.0577% | 2,099 |
| Net loans and leases to core deposits | 232.6093% | 84 |
| Total domestic deposits to total assets | 80.4293% | 5,198 |
| Equity capital to assets | 8.6591% | 5,827 |
| Core capital (leverage) ratio | 8.6805% | 5,182 |
| Tier 1 risk-based capital ratio | 9.3953% | 7,513 |
| Total risk-based capital ratio | 10.6723% | 7,447 |
| Memoranda: | ||
| Average total assets | $657,173,000 | 1,082 |
| Average earning assets | $617,304,000 | 1,043 |
| Average equity | $62,189,000 | 1,097 |
| Average total loans | $535,680,000 | 933 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6192% | 2,391 |
| Cost of funding earning assets | 3.4827% | 552 |
| Net interest margin | 3.1366% | 6,553 |
| Noninterest income to average assets | 0.1142% | 7,550 |
| Noninterest expense to average assets | 1.4112% | 8,071 |
| Loan and lease loss provision to assets | 3.9134% | 175 |
| Net operating income to assets | -1.4113% | 7,429 |
| Return on assets (ROA) | -1.4114% | 7,373 |
| Pretax return on assets | -2.2123% | 7,509 |
| Return on Equity (ROE) | -12.4838% | 7,460 |
| Retained earnings to average equity (ytd only) | -17.9395% | 7,618 |
| Net charge-offs to loans | 1.9464% | 562 |
| Credit loss provision to net charge-offs | 242.9187% | 1,919 |
| Earnings coverage of net charge-offs (x) | 1.0560% | 5,602 |
| Efficiency ratio | 45.3414% | 7,959 |
| Assets per employee ($millions) | 8.4941% | 401 |
| Cash dividends to net income (ytd only)* | -43.7021% | 8,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1563% | 166 |
| Loan loss allowance to noncurrent loans | 44.8504% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 8.0791% | 285 |
| Noncurrent loans to loans | 9.2670% | 245 |
| Net loans and leases to total assets | 79.9458% | 1,676 |
| Net loans and leases to deposits | 101.0929% | 1,694 |
| Net loans and leases to core deposits | 246.5892% | 75 |
| Total domestic deposits to total assets | 79.0815% | 5,348 |
| Equity capital to assets | 10.2748% | 3,736 |
| Core capital (leverage) ratio | 10.1801% | 3,291 |
| Tier 1 risk-based capital ratio | 10.9844% | 5,736 |
| Total risk-based capital ratio | 12.2648% | 5,613 |
| Memoranda: | ||
| Average total assets | $619,315,600 | 1,081 |
| Average earning assets | $592,019,800 | 1,041 |
| Average equity | $70,018,600 | 954 |
| Average total loans | $512,583,200 | 932 |