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Waterfield Bank, Performance and Condition Ratios
| 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 | 6.3875% | 852 |
| Cost of funding earning assets | 2.4105% | 1,268 |
| Net interest margin | 3.9770% | 2,955 |
| Noninterest income to average assets | 1.0533% | 1,399 |
| Noninterest expense to average assets | 8.6388% | 120 |
| Loan and lease loss provision to assets | 1.3576% | 1,700 |
| Net operating income to assets | -5.2320% | 7,772 |
| Return on assets (ROA) | -8.4472% | 7,942 |
| Pretax return on assets | -8.4417% | 7,931 |
| Return on Equity (ROE) | 3,316.0817% | 1 |
| Retained earnings to average equity (ytd only) | 3,316.0817% | 1 |
| Net charge-offs to loans | 2.8376% | 774 |
| Credit loss provision to net charge-offs | 100.1009% | 5,510 |
| Earnings coverage of net charge-offs (x) | -2.8527% | 7,044 |
| Efficiency ratio | 180.5662% | 185 |
| Assets per employee ($millions) | 4.5755% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 6,701 |
| Loan loss allowance to noncurrent loans | 11.4095% | 7,341 |
| Noncurrent assets plus other real estate owned to assets | 5.0538% | 1,207 |
| Noncurrent loans to loans | 8.1628% | 606 |
| Net loans and leases to total assets | 47.9327% | 6,819 |
| Net loans and leases to deposits | 47.7418% | 7,365 |
| Net loans and leases to core deposits | 50.7272% | 7,570 |
| Total domestic deposits to total assets | 100.3998% | 7 |
| Equity capital to assets | -5.4427% | 8,011 |
| Core capital (leverage) ratio | -5.1615% | 8,011 |
| Tier 1 risk-based capital ratio | -8.5060% | 8,011 |
| Total risk-based capital ratio | -8.5060% | 8,011 |
| Memoranda: | ||
| Average total assets | $219,209,000 | 2,954 |
| Average earning assets | $204,852,800 | 2,908 |
| Average equity | $-558,400 | 8,011 |
| Average total loans | $104,771,800 | 3,814 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9688% | 2,157 |
| Cost of funding earning assets | 2.5250% | 1,224 |
| Net interest margin | 3.4438% | 5,096 |
| Noninterest income to average assets | 0.5841% | 3,823 |
| Noninterest expense to average assets | 7.2421% | 191 |
| Loan and lease loss provision to assets | 1.2005% | 1,618 |
| Net operating income to assets | -4.6426% | 7,806 |
| Return on assets (ROA) | -4.1357% | 7,768 |
| Pretax return on assets | -4.1357% | 7,709 |
| Return on Equity (ROE) | -685.3752% | 8,096 |
| Retained earnings to average equity (ytd only) | -685.3752% | 8,096 |
| Net charge-offs to loans | 2.3350% | 801 |
| Credit loss provision to net charge-offs | 107.7902% | 4,715 |
| Earnings coverage of net charge-offs (x) | -3.0906% | 6,808 |
| Efficiency ratio | 189.9418% | 172 |
| Assets per employee ($millions) | 3.1696% | 5,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 6,528 |
| Loan loss allowance to noncurrent loans | 13.6196% | 7,369 |
| Noncurrent assets plus other real estate owned to assets | 4.0826% | 1,554 |
| Noncurrent loans to loans | 6.9907% | 770 |
| Net loans and leases to total assets | 44.9966% | 7,174 |
| Net loans and leases to deposits | 47.6587% | 7,508 |
| Net loans and leases to core deposits | 50.6493% | 7,672 |
| Total domestic deposits to total assets | 94.4142% | 44 |
| Equity capital to assets | 0.4956% | 8,080 |
| Core capital (leverage) ratio | 4.2788% | 7,964 |
| Tier 1 risk-based capital ratio | 6.9673% | 7,896 |
| Total risk-based capital ratio | 7.6449% | 7,937 |
| Memoranda: | ||
| Average total assets | $235,119,750 | 2,782 |
| Average earning assets | $219,558,500 | 2,730 |
| Average equity | $1,418,750 | 8,023 |
| Average total loans | $112,147,750 | 3,680 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9731% | 2,289 |
| Cost of funding earning assets | 2.6191% | 1,234 |
| Net interest margin | 3.3540% | 5,344 |
| Noninterest income to average assets | 0.7016% | 2,983 |
| Noninterest expense to average assets | 6.3665% | 284 |
| Loan and lease loss provision to assets | 1.0339% | 1,638 |
| Net operating income to assets | -3.5631% | 7,771 |
| Return on assets (ROA) | -2.8421% | 7,637 |
| Pretax return on assets | -2.8421% | 7,523 |
| Return on Equity (ROE) | -449.7766% | 8,178 |
| Retained earnings to average equity (ytd only) | -449.7766% | 8,178 |
| Net charge-offs to loans | 2.1992% | 827 |
| Credit loss provision to net charge-offs | 97.3424% | 4,691 |
| Earnings coverage of net charge-offs (x) | -2.3812% | 6,374 |
| Efficiency ratio | 165.4687% | 301 |
| Assets per employee ($millions) | 1.8735% | 7,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6591% | 7,523 |
| Loan loss allowance to noncurrent loans | 10.4209% | 7,488 |
| Noncurrent assets plus other real estate owned to assets | 3.5467% | 1,754 |
| Noncurrent loans to loans | 6.3246% | 850 |
| Net loans and leases to total assets | 45.8431% | 7,204 |
| Net loans and leases to deposits | 48.2725% | 7,555 |
| Net loans and leases to core deposits | 51.9388% | 7,712 |
| Total domestic deposits to total assets | 94.9675% | 37 |
| Equity capital to assets | 0.4799% | 8,169 |
| Core capital (leverage) ratio | 5.3424% | 7,995 |
| Tier 1 risk-based capital ratio | 8.8712% | 7,760 |
| Total risk-based capital ratio | 9.3515% | 7,925 |
| Memoranda: | ||
| Average total assets | $247,987,330 | 2,653 |
| Average earning assets | $231,839,330 | 2,611 |
| Average equity | $1,567,000 | 8,081 |
| Average total loans | $119,771,670 | 3,540 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8536% | 3,022 |
| Cost of funding earning assets | 2.7522% | 1,108 |
| Net interest margin | 3.1013% | 6,197 |
| Noninterest income to average assets | 1.9824% | 371 |
| Noninterest expense to average assets | 5.3305% | 395 |
| Loan and lease loss provision to assets | 0.5286% | 2,356 |
| Net operating income to assets | -0.9753% | 7,243 |
| Return on assets (ROA) | 0.3828% | 5,114 |
| Pretax return on assets | 0.3828% | 5,449 |
| Return on Equity (ROE) | 55.1121% | 21 |
| Retained earnings to average equity (ytd only) | 55.1121% | 14 |
| Net charge-offs to loans | 1.1983% | 1,159 |
| Credit loss provision to net charge-offs | 89.6907% | 4,013 |
| Earnings coverage of net charge-offs (x) | -0.7577% | 5,315 |
| Efficiency ratio | 109.1446% | 832 |
| Assets per employee ($millions) | 2.0096% | 7,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5938% | 7,667 |
| Loan loss allowance to noncurrent loans | 10.4259% | 7,506 |
| Noncurrent assets plus other real estate owned to assets | 2.8823% | 1,980 |
| Noncurrent loans to loans | 5.6950% | 871 |
| Net loans and leases to total assets | 45.9247% | 7,196 |
| Net loans and leases to deposits | 49.4538% | 7,520 |
| Net loans and leases to core deposits | 53.3996% | 7,693 |
| Total domestic deposits to total assets | 92.8638% | 94 |
| Equity capital to assets | 1.1692% | 8,231 |
| Core capital (leverage) ratio | 6.3267% | 7,936 |
| Tier 1 risk-based capital ratio | 11.3296% | 5,573 |
| Total risk-based capital ratio | 11.7952% | 6,256 |
| Memoranda: | ||
| Average total assets | $263,317,000 | 2,521 |
| Average earning assets | $246,345,000 | 2,481 |
| Average equity | $1,829,000 | 8,085 |
| Average total loans | $129,512,000 | 3,374 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8069% | 7,942 |
| Cost of funding earning assets | 2.7130% | 3,100 |
| Net interest margin | 2.0939% | 8,021 |
| Noninterest income to average assets | 0.3364% | 6,048 |
| Noninterest expense to average assets | 6.0414% | 396 |
| Loan and lease loss provision to assets | 0.5380% | 2,672 |
| Net operating income to assets | -4.2309% | 8,020 |
| Return on assets (ROA) | -2.3755% | 7,641 |
| Pretax return on assets | -2.3751% | 7,550 |
| Return on Equity (ROE) | -49.0786% | 8,148 |
| Retained earnings to average equity (ytd only) | -49.0786% | 8,131 |
| Net charge-offs to loans | 0.7930% | 1,570 |
| Credit loss provision to net charge-offs | 120.9738% | 4,435 |
| Earnings coverage of net charge-offs (x) | -8.3034% | 6,883 |
| Efficiency ratio | 255.0966% | 135 |
| Assets per employee ($millions) | 1.9039% | 7,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4686% | 7,889 |
| Loan loss allowance to noncurrent loans | 13.1197% | 7,447 |
| Noncurrent assets plus other real estate owned to assets | 1.9403% | 2,533 |
| Noncurrent loans to loans | 3.5714% | 1,417 |
| Net loans and leases to total assets | 51.4265% | 6,901 |
| Net loans and leases to deposits | 69.2713% | 6,343 |
| Net loans and leases to core deposits | 73.4663% | 6,995 |
| Total domestic deposits to total assets | 74.2393% | 6,615 |
| Equity capital to assets | 0.2998% | 8,297 |
| Core capital (leverage) ratio | 5.1896% | 8,190 |
| Tier 1 risk-based capital ratio | 10.6815% | 6,018 |
| Total risk-based capital ratio | 11.1554% | 6,726 |
| Memoranda: | ||
| Average total assets | $240,161,400 | 2,654 |
| Average earning assets | $230,816,200 | 2,546 |
| Average equity | $11,624,200 | 4,936 |
| Average total loans | $134,671,400 | 3,183 |