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Westbridge Bank and Trust, Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6225% | 1,982 |
| Cost of funding earning assets | 2.6249% | 88 |
| Net interest margin | 2.9976% | 6,840 |
| Noninterest income to average assets | -0.6733% | 7,703 |
| Noninterest expense to average assets | 4.4231% | 649 |
| Loan and lease loss provision to assets | 2.4143% | 447 |
| Net operating income to assets | -4.9155% | 7,638 |
| Return on assets (ROA) | -4.8524% | 7,643 |
| Pretax return on assets | -4.8524% | 7,628 |
| Return on Equity (ROE) | -266.7754% | 7,753 |
| Retained earnings to average equity (ytd only) | -266.7754% | 7,753 |
| Net charge-offs to loans | 2.3224% | 759 |
| Credit loss provision to net charge-offs | 139.9187% | 2,843 |
| Earnings coverage of net charge-offs (x) | -1.4496% | 6,500 |
| Efficiency ratio | 230.1460% | 51 |
| Assets per employee ($millions) | 8.7782% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9620% | 178 |
| Loan loss allowance to noncurrent loans | 37.8362% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 15.9304% | 125 |
| Noncurrent loans to loans | 13.1144% | 225 |
| Net loans and leases to total assets | 69.0574% | 2,969 |
| Net loans and leases to deposits | 86.4382% | 2,249 |
| Net loans and leases to core deposits | 94.8952% | 2,401 |
| Total domestic deposits to total assets | 79.8922% | 5,741 |
| Equity capital to assets | 0.0285% | 7,753 |
| Core capital (leverage) ratio | -0.0111% | 7,752 |
| Tier 1 risk-based capital ratio | -0.0152% | 7,752 |
| Total risk-based capital ratio | -0.0152% | 7,752 |
| Memoranda: | ||
| Average total assets | $95,044,250 | 5,188 |
| Average earning assets | $82,286,000 | 5,332 |
| Average equity | $1,728,750 | 7,651 |
| Average total loans | $70,615,500 | 4,729 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5648% | 2,273 |
| Cost of funding earning assets | 2.6324% | 114 |
| Net interest margin | 2.9324% | 6,966 |
| Noninterest income to average assets | -0.0513% | 7,588 |
| Noninterest expense to average assets | 4.5473% | 545 |
| Loan and lease loss provision to assets | 2.3721% | 488 |
| Net operating income to assets | -4.4036% | 7,655 |
| Return on assets (ROA) | -4.3113% | 7,653 |
| Pretax return on assets | -4.3113% | 7,634 |
| Return on Equity (ROE) | -182.9605% | 7,795 |
| Retained earnings to average equity (ytd only) | -182.9605% | 7,795 |
| Net charge-offs to loans | 3.0264% | 517 |
| Credit loss provision to net charge-offs | 104.8051% | 3,892 |
| Earnings coverage of net charge-offs (x) | -0.8976% | 6,100 |
| Efficiency ratio | 180.7504% | 127 |
| Assets per employee ($millions) | 7.6207% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9746% | 386 |
| Loan loss allowance to noncurrent loans | 38.3059% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 13.1375% | 212 |
| Noncurrent loans to loans | 10.3760% | 418 |
| Net loans and leases to total assets | 72.0442% | 2,387 |
| Net loans and leases to deposits | 90.9208% | 1,705 |
| Net loans and leases to core deposits | 102.2694% | 1,801 |
| Total domestic deposits to total assets | 79.2385% | 5,964 |
| Equity capital to assets | 1.4653% | 7,806 |
| Core capital (leverage) ratio | 1.4070% | 7,798 |
| Tier 1 risk-based capital ratio | 1.8839% | 7,801 |
| Total risk-based capital ratio | 3.1682% | 7,801 |
| Memoranda: | ||
| Average total assets | $97,465,000 | 5,154 |
| Average earning assets | $85,322,330 | 5,260 |
| Average equity | $2,296,670 | 7,609 |
| Average total loans | $72,892,330 | 4,682 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5375% | 2,422 |
| Cost of funding earning assets | 2.6709% | 134 |
| Net interest margin | 2.8666% | 7,078 |
| Noninterest income to average assets | -0.1553% | 7,779 |
| Noninterest expense to average assets | 4.0210% | 1,000 |
| Loan and lease loss provision to assets | 2.9102% | 346 |
| Net operating income to assets | -4.5783% | 7,756 |
| Return on assets (ROA) | -4.5783% | 7,762 |
| Pretax return on assets | -4.5783% | 7,731 |
| Return on Equity (ROE) | -165.7658% | 7,875 |
| Retained earnings to average equity (ytd only) | -165.7658% | 7,873 |
| Net charge-offs to loans | 3.3212% | 440 |
| Credit loss provision to net charge-offs | 117.3355% | 2,971 |
| Earnings coverage of net charge-offs (x) | -0.6726% | 5,335 |
| Efficiency ratio | 170.8968% | 141 |
| Assets per employee ($millions) | 7.0271% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8820% | 414 |
| Loan loss allowance to noncurrent loans | 42.5122% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 12.4009% | 236 |
| Noncurrent loans to loans | 9.1314% | 520 |
| Net loans and leases to total assets | 70.0173% | 2,934 |
| Net loans and leases to deposits | 87.7524% | 2,266 |
| Net loans and leases to core deposits | 101.5689% | 1,969 |
| Total domestic deposits to total assets | 79.7896% | 5,862 |
| Equity capital to assets | 2.2393% | 7,879 |
| Core capital (leverage) ratio | 2.1741% | 7,876 |
| Tier 1 risk-based capital ratio | 2.9050% | 7,880 |
| Total risk-based capital ratio | 4.1842% | 7,881 |
| Memoranda: | ||
| Average total assets | $100,473,500 | 5,135 |
| Average earning assets | $87,909,500 | 5,246 |
| Average equity | $2,775,000 | 7,560 |
| Average total loans | $75,033,500 | 4,677 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6100% | 3,553 |
| Cost of funding earning assets | 3.1890% | 132 |
| Net interest margin | 2.4210% | 7,491 |
| Noninterest income to average assets | -0.5632% | 7,952 |
| Noninterest expense to average assets | 4.2597% | 1,030 |
| Loan and lease loss provision to assets | 1.4722% | 1,567 |
| Net operating income to assets | -4.0945% | 7,623 |
| Return on assets (ROA) | -4.0945% | 7,621 |
| Pretax return on assets | -4.0945% | 7,554 |
| Return on Equity (ROE) | -79.1498% | 7,860 |
| Retained earnings to average equity (ytd only) | -79.1498% | 7,856 |
| Net charge-offs to loans | 1.7778% | 1,410 |
| Credit loss provision to net charge-offs | 106.5934% | 5,199 |
| Earnings coverage of net charge-offs (x) | -1.8987% | 6,992 |
| Efficiency ratio | 260.1442% | 77 |
| Assets per employee ($millions) | 6.8378% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4106% | 570 |
| Loan loss allowance to noncurrent loans | 36.1693% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 12.0204% | 251 |
| Noncurrent loans to loans | 9.4296% | 456 |
| Net loans and leases to total assets | 73.8327% | 2,307 |
| Net loans and leases to deposits | 94.0370% | 1,590 |
| Net loans and leases to core deposits | 157.4190% | 372 |
| Total domestic deposits to total assets | 78.5145% | 6,113 |
| Equity capital to assets | 3.2632% | 7,904 |
| Core capital (leverage) ratio | 3.1636% | 7,898 |
| Tier 1 risk-based capital ratio | 4.0660% | 7,907 |
| Total risk-based capital ratio | 5.3407% | 7,909 |
| Memoranda: | ||
| Average total assets | $118,598,800 | 4,615 |
| Average earning assets | $107,806,600 | 4,636 |
| Average equity | $6,135,200 | 6,558 |
| Average total loans | $92,134,400 | 4,154 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6102% | 3,806 |
| Cost of funding earning assets | 3.2940% | 143 |
| Net interest margin | 2.3163% | 7,630 |
| Noninterest income to average assets | -0.6372% | 8,055 |
| Noninterest expense to average assets | 4.0834% | 1,167 |
| Loan and lease loss provision to assets | 1.4072% | 1,368 |
| Net operating income to assets | -4.0127% | 7,753 |
| Return on assets (ROA) | -4.0127% | 7,758 |
| Pretax return on assets | -4.0127% | 7,691 |
| Return on Equity (ROE) | -72.0097% | 7,937 |
| Retained earnings to average equity (ytd only) | -72.0097% | 7,936 |
| Net charge-offs to loans | 1.6253% | 1,257 |
| Credit loss provision to net charge-offs | 111.0730% | 4,579 |
| Earnings coverage of net charge-offs (x) | -2.0567% | 6,748 |
| Efficiency ratio | 276.3061% | 73 |
| Assets per employee ($millions) | 6.5415% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1261% | 600 |
| Loan loss allowance to noncurrent loans | 61.3476% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 8.6174% | 469 |
| Noncurrent loans to loans | 5.0957% | 1,273 |
| Net loans and leases to total assets | 75.1000% | 2,225 |
| Net loans and leases to deposits | 94.9833% | 1,717 |
| Net loans and leases to core deposits | 147.5009% | 647 |
| Total domestic deposits to total assets | 79.0666% | 5,780 |
| Equity capital to assets | 4.0808% | 7,998 |
| Core capital (leverage) ratio | 3.7749% | 7,994 |
| Tier 1 risk-based capital ratio | 4.9588% | 7,999 |
| Total risk-based capital ratio | 6.2292% | 8,003 |
| Memoranda: | ||
| Average total assets | $122,606,750 | 4,530 |
| Average earning assets | $111,959,750 | 4,539 |
| Average equity | $6,832,250 | 6,379 |
| Average total loans | $95,567,500 | 4,095 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4689% | 4,790 |
| Cost of funding earning assets | 3.3580% | 164 |
| Net interest margin | 2.1109% | 7,802 |
| Noninterest income to average assets | -0.6345% | 8,135 |
| Noninterest expense to average assets | 4.2339% | 1,032 |
| Loan and lease loss provision to assets | 1.7309% | 968 |
| Net operating income to assets | -4.6738% | 7,914 |
| Return on assets (ROA) | -4.6738% | 7,908 |
| Pretax return on assets | -4.6738% | 7,829 |
| Return on Equity (ROE) | -77.7675% | 8,035 |
| Retained earnings to average equity (ytd only) | -77.7675% | 8,034 |
| Net charge-offs to loans | 1.5767% | 1,198 |
| Credit loss provision to net charge-offs | 140.6170% | 3,316 |
| Earnings coverage of net charge-offs (x) | -2.3907% | 6,376 |
| Efficiency ratio | 327.9412% | 71 |
| Assets per employee ($millions) | 7.1384% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1329% | 504 |
| Loan loss allowance to noncurrent loans | 56.5986% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 8.2536% | 451 |
| Noncurrent loans to loans | 5.5353% | 1,048 |
| Net loans and leases to total assets | 73.4296% | 2,857 |
| Net loans and leases to deposits | 94.0246% | 2,086 |
| Net loans and leases to core deposits | 138.9917% | 1,055 |
| Total domestic deposits to total assets | 78.0961% | 6,050 |
| Equity capital to assets | 4.2372% | 8,084 |
| Core capital (leverage) ratio | 4.2439% | 8,076 |
| Tier 1 risk-based capital ratio | 5.4133% | 8,081 |
| Total risk-based capital ratio | 6.6844% | 8,086 |
| Memoranda: | ||
| Average total assets | $126,407,330 | 4,462 |
| Average earning assets | $115,305,670 | 4,477 |
| Average equity | $7,597,000 | 6,146 |
| Average total loans | $98,686,670 | 4,048 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4761% | 5,036 |
| Cost of funding earning assets | 3.5776% | 121 |
| Net interest margin | 1.8985% | 7,946 |
| Noninterest income to average assets | -0.8811% | 8,211 |
| Noninterest expense to average assets | 3.9214% | 1,281 |
| Loan and lease loss provision to assets | 1.5015% | 837 |
| Net operating income to assets | -4.5853% | 8,017 |
| Return on assets (ROA) | -4.5853% | 8,009 |
| Pretax return on assets | -4.5853% | 7,956 |
| Return on Equity (ROE) | -66.9953% | 8,103 |
| Retained earnings to average equity (ytd only) | -66.9953% | 8,090 |
| Net charge-offs to loans | 0.5959% | 1,984 |
| Credit loss provision to net charge-offs | 318.4211% | 1,545 |
| Earnings coverage of net charge-offs (x) | -6.5395% | 5,586 |
| Efficiency ratio | 468.1481% | 44 |
| Assets per employee ($millions) | 7.1148% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9527% | 499 |
| Loan loss allowance to noncurrent loans | 89.1967% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 6.5630% | 557 |
| Noncurrent loans to loans | 3.3104% | 1,934 |
| Net loans and leases to total assets | 74.3736% | 2,658 |
| Net loans and leases to deposits | 95.3395% | 2,063 |
| Net loans and leases to core deposits | 139.9533% | 1,102 |
| Total domestic deposits to total assets | 78.0092% | 6,014 |
| Equity capital to assets | 5.2387% | 8,097 |
| Core capital (leverage) ratio | 4.9962% | 8,125 |
| Tier 1 risk-based capital ratio | 6.5647% | 8,119 |
| Total risk-based capital ratio | 7.8347% | 8,127 |
| Memoranda: | ||
| Average total assets | $128,934,500 | 4,433 |
| Average earning assets | $116,726,000 | 4,466 |
| Average equity | $8,824,500 | 5,765 |
| Average total loans | $102,034,500 | 3,979 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6575% | 2,215 |
| Cost of funding earning assets | 3.9463% | 118 |
| Net interest margin | 2.7112% | 7,482 |
| Noninterest income to average assets | 0.1016% | 7,625 |
| Noninterest expense to average assets | 3.3895% | 2,712 |
| Loan and lease loss provision to assets | 2.8942% | 323 |
| Net operating income to assets | -2.3435% | 7,667 |
| Return on assets (ROA) | -2.3435% | 7,632 |
| Pretax return on assets | -3.6410% | 7,835 |
| Return on Equity (ROE) | -26.4122% | 7,893 |
| Retained earnings to average equity (ytd only) | -26.4122% | 7,839 |
| Net charge-offs to loans | 3.0216% | 292 |
| Credit loss provision to net charge-offs | 109.2276% | 4,923 |
| Earnings coverage of net charge-offs (x) | -0.2818% | 6,407 |
| Efficiency ratio | 128.2589% | 479 |
| Assets per employee ($millions) | 6.1810% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4225% | 747 |
| Loan loss allowance to noncurrent loans | 156.4634% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 7.1540% | 354 |
| Noncurrent loans to loans | 1.5483% | 3,469 |
| Net loans and leases to total assets | 79.6267% | 1,747 |
| Net loans and leases to deposits | 106.1520% | 1,110 |
| Net loans and leases to core deposits | 151.6455% | 795 |
| Total domestic deposits to total assets | 75.0119% | 6,450 |
| Equity capital to assets | 8.4282% | 6,210 |
| Core capital (leverage) ratio | 6.2073% | 8,020 |
| Tier 1 risk-based capital ratio | 7.0140% | 8,169 |
| Total risk-based capital ratio | 8.2756% | 8,180 |
| Memoranda: | ||
| Average total assets | $128,014,200 | 4,327 |
| Average earning assets | $119,985,800 | 4,258 |
| Average equity | $11,358,400 | 5,018 |
| Average total loans | $112,258,000 | 3,629 |