Home > Western Commercial Bank > Performance and Condition Ratios
Western Commercial Bank, 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 | 4.8067% | 5,630 |
| Cost of funding earning assets | 1.5926% | 2,429 |
| Net interest margin | 3.2141% | 6,293 |
| Noninterest income to average assets | 0.2163% | 6,359 |
| Noninterest expense to average assets | 6.2905% | 198 |
| Loan and lease loss provision to assets | 13.0185% | 3 |
| Net operating income to assets | -16.1359% | 7,755 |
| Return on assets (ROA) | -16.1106% | 7,755 |
| Pretax return on assets | -16.1094% | 7,755 |
| Return on Equity (ROE) | -459.7972% | 7,759 |
| Retained earnings to average equity (ytd only) | -459.7972% | 7,759 |
| Net charge-offs to loans | 12.6821% | 12 |
| Credit loss provision to net charge-offs | 122.7668% | 3,344 |
| Earnings coverage of net charge-offs (x) | -0.2939% | 6,240 |
| Efficiency ratio | 198.1673% | 88 |
| Assets per employee ($millions) | 5.8021% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2783% | 143 |
| Loan loss allowance to noncurrent loans | 82.7411% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 7.4953% | 696 |
| Noncurrent loans to loans | 6.3793% | 944 |
| Net loans and leases to total assets | 71.1745% | 2,445 |
| Net loans and leases to deposits | 69.4206% | 5,224 |
| Net loans and leases to core deposits | 73.4518% | 5,359 |
| Total domestic deposits to total assets | 102.5265% | 3 |
| Equity capital to assets | -3.5312% | 7,759 |
| Core capital (leverage) ratio | -3.3421% | 7,759 |
| Tier 1 risk-based capital ratio | -4.4351% | 7,759 |
| Total risk-based capital ratio | -4.4351% | 7,759 |
| Memoranda: | ||
| Average total assets | $105,426,750 | 4,899 |
| Average earning assets | $97,029,000 | 4,863 |
| Average equity | $3,694,000 | 7,176 |
| Average total loans | $88,153,750 | 4,166 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9823% | 5,019 |
| Cost of funding earning assets | 1.6055% | 2,624 |
| Net interest margin | 3.3768% | 5,730 |
| Noninterest income to average assets | 0.2191% | 6,345 |
| Noninterest expense to average assets | 5.7628% | 240 |
| Loan and lease loss provision to assets | 6.6375% | 59 |
| Net operating income to assets | -9.0816% | 7,802 |
| Return on assets (ROA) | -9.0816% | 7,801 |
| Pretax return on assets | -9.0797% | 7,801 |
| Return on Equity (ROE) | -160.6880% | 7,785 |
| Retained earnings to average equity (ytd only) | -160.6880% | 7,785 |
| Net charge-offs to loans | 4.3691% | 271 |
| Credit loss provision to net charge-offs | 176.2327% | 2,223 |
| Earnings coverage of net charge-offs (x) | -0.6484% | 6,057 |
| Efficiency ratio | 173.5459% | 140 |
| Assets per employee ($millions) | 6.8357% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1329% | 329 |
| Loan loss allowance to noncurrent loans | 53.0890% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 13.4451% | 201 |
| Noncurrent loans to loans | 7.7849% | 670 |
| Net loans and leases to total assets | 75.2686% | 1,633 |
| Net loans and leases to deposits | 79.1428% | 3,769 |
| Net loans and leases to core deposits | 83.7857% | 4,160 |
| Total domestic deposits to total assets | 95.1047% | 47 |
| Equity capital to assets | 3.9718% | 7,696 |
| Core capital (leverage) ratio | 3.9350% | 7,685 |
| Tier 1 risk-based capital ratio | 4.4205% | 7,728 |
| Total risk-based capital ratio | 5.7003% | 7,733 |
| Memoranda: | ||
| Average total assets | $107,690,670 | 4,868 |
| Average earning assets | $98,909,670 | 4,847 |
| Average equity | $6,086,330 | 6,443 |
| Average total loans | $92,833,330 | 4,085 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8070% | 5,870 |
| Cost of funding earning assets | 1.7003% | 2,390 |
| Net interest margin | 3.1067% | 6,575 |
| Noninterest income to average assets | 0.1797% | 6,669 |
| Noninterest expense to average assets | 5.2672% | 301 |
| Loan and lease loss provision to assets | 13.3794% | 11 |
| Net operating income to assets | -15.5395% | 7,923 |
| Return on assets (ROA) | -15.5395% | 7,923 |
| Pretax return on assets | -15.5395% | 7,923 |
| Return on Equity (ROE) | -238.6489% | 7,894 |
| Retained earnings to average equity (ytd only) | -238.6489% | 7,893 |
| Net charge-offs to loans | 6.5120% | 158 |
| Credit loss provision to net charge-offs | 227.9337% | 1,670 |
| Earnings coverage of net charge-offs (x) | -0.3680% | 5,238 |
| Efficiency ratio | 169.5181% | 148 |
| Assets per employee ($millions) | 5.6660% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1897% | 316 |
| Loan loss allowance to noncurrent loans | 25.7466% | 6,687 |
| Noncurrent assets plus other real estate owned to assets | 15.3650% | 130 |
| Noncurrent loans to loans | 16.2728% | 143 |
| Net loans and leases to total assets | 85.1599% | 276 |
| Net loans and leases to deposits | 89.7871% | 1,932 |
| Net loans and leases to core deposits | 102.1767% | 1,881 |
| Total domestic deposits to total assets | 94.8465% | 50 |
| Equity capital to assets | 4.5776% | 7,757 |
| Core capital (leverage) ratio | 4.6149% | 7,733 |
| Tier 1 risk-based capital ratio | 5.1206% | 7,791 |
| Total risk-based capital ratio | 6.4065% | 7,792 |
| Memoranda: | ||
| Average total assets | $106,850,500 | 4,957 |
| Average earning assets | $100,686,000 | 4,856 |
| Average equity | $6,957,500 | 6,204 |
| Average total loans | $96,314,500 | 4,067 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6315% | 3,432 |
| Cost of funding earning assets | 2.5346% | 937 |
| Net interest margin | 3.0969% | 6,378 |
| Noninterest income to average assets | 0.2278% | 6,488 |
| Noninterest expense to average assets | 3.7637% | 1,765 |
| Loan and lease loss provision to assets | 2.1359% | 989 |
| Net operating income to assets | -2.8051% | 7,352 |
| Return on assets (ROA) | -2.7519% | 7,349 |
| Pretax return on assets | -2.7511% | 7,226 |
| Return on Equity (ROE) | -33.0603% | 7,458 |
| Retained earnings to average equity (ytd only) | -33.0603% | 7,443 |
| Net charge-offs to loans | 2.1674% | 1,108 |
| Credit loss provision to net charge-offs | 115.9414% | 4,687 |
| Earnings coverage of net charge-offs (x) | -0.3628% | 6,592 |
| Efficiency ratio | 121.5921% | 585 |
| Assets per employee ($millions) | 5.5814% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0662% | 1,876 |
| Loan loss allowance to noncurrent loans | 13.7333% | 7,293 |
| Noncurrent assets plus other real estate owned to assets | 14.6680% | 145 |
| Noncurrent loans to loans | 15.0451% | 174 |
| Net loans and leases to total assets | 89.5254% | 105 |
| Net loans and leases to deposits | 100.5252% | 858 |
| Net loans and leases to core deposits | 128.6942% | 1,351 |
| Total domestic deposits to total assets | 89.0577% | 1,459 |
| Equity capital to assets | 8.4745% | 5,919 |
| Core capital (leverage) ratio | 7.8102% | 6,437 |
| Tier 1 risk-based capital ratio | 9.2385% | 7,363 |
| Total risk-based capital ratio | 10.4987% | 7,355 |
| Memoranda: | ||
| Average total assets | $118,500,200 | 4,621 |
| Average earning assets | $109,721,400 | 4,574 |
| Average equity | $9,863,800 | 5,336 |
| Average total loans | $100,720,600 | 3,923 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8131% | 2,827 |
| Cost of funding earning assets | 2.6835% | 825 |
| Net interest margin | 3.1296% | 6,236 |
| Noninterest income to average assets | 0.5339% | 4,205 |
| Noninterest expense to average assets | 3.4326% | 2,468 |
| Loan and lease loss provision to assets | 0.5317% | 3,255 |
| Net operating income to assets | -0.5471% | 6,472 |
| Return on assets (ROA) | -0.5471% | 6,472 |
| Pretax return on assets | -0.5460% | 6,349 |
| Return on Equity (ROE) | -6.5984% | 6,623 |
| Retained earnings to average equity (ytd only) | -6.5984% | 6,462 |
| Net charge-offs to loans | 0.7029% | 2,589 |
| Credit loss provision to net charge-offs | 90.4851% | 5,473 |
| Earnings coverage of net charge-offs (x) | -0.0242% | 6,096 |
| Efficiency ratio | 100.4169% | 1,042 |
| Assets per employee ($millions) | 6.2983% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6641% | 2,751 |
| Loan loss allowance to noncurrent loans | 12.6929% | 7,394 |
| Noncurrent assets plus other real estate owned to assets | 12.8014% | 191 |
| Noncurrent loans to loans | 13.1108% | 218 |
| Net loans and leases to total assets | 79.2048% | 1,350 |
| Net loans and leases to deposits | 89.2738% | 2,728 |
| Net loans and leases to core deposits | 151.1289% | 560 |
| Total domestic deposits to total assets | 88.7212% | 1,329 |
| Equity capital to assets | 8.8496% | 5,712 |
| Core capital (leverage) ratio | 8.5661% | 5,357 |
| Tier 1 risk-based capital ratio | 9.9530% | 7,021 |
| Total risk-based capital ratio | 11.2067% | 6,974 |
| Memoranda: | ||
| Average total assets | $121,613,500 | 4,554 |
| Average earning assets | $112,089,750 | 4,534 |
| Average equity | $10,083,000 | 5,314 |
| Average total loans | $101,665,250 | 3,942 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9736% | 2,286 |
| Cost of funding earning assets | 2.7948% | 804 |
| Net interest margin | 3.1788% | 5,987 |
| Noninterest income to average assets | 0.2437% | 6,540 |
| Noninterest expense to average assets | 3.0852% | 3,760 |
| Loan and lease loss provision to assets | 0.4662% | 3,189 |
| Net operating income to assets | -0.3844% | 6,431 |
| Return on assets (ROA) | -0.3844% | 6,440 |
| Pretax return on assets | -0.3828% | 6,307 |
| Return on Equity (ROE) | -4.7408% | 6,578 |
| Retained earnings to average equity (ytd only) | -4.7408% | 6,264 |
| Net charge-offs to loans | 0.5917% | 2,563 |
| Credit loss provision to net charge-offs | 93.1373% | 4,830 |
| Earnings coverage of net charge-offs (x) | 0.1667% | 5,503 |
| Efficiency ratio | 97.3671% | 1,298 |
| Assets per employee ($millions) | 7.6457% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5744% | 2,848 |
| Loan loss allowance to noncurrent loans | 19.0310% | 7,182 |
| Noncurrent assets plus other real estate owned to assets | 8.4181% | 428 |
| Noncurrent loans to loans | 8.2727% | 516 |
| Net loans and leases to total assets | 83.5054% | 707 |
| Net loans and leases to deposits | 95.9156% | 1,812 |
| Net loans and leases to core deposits | 168.6110% | 337 |
| Total domestic deposits to total assets | 87.0613% | 2,221 |
| Equity capital to assets | 8.0102% | 6,737 |
| Core capital (leverage) ratio | 8.0165% | 6,301 |
| Tier 1 risk-based capital ratio | 8.9669% | 7,713 |
| Total risk-based capital ratio | 10.2197% | 7,732 |
| Memoranda: | ||
| Average total assets | $122,262,330 | 4,573 |
| Average earning assets | $112,495,330 | 4,554 |
| Average equity | $9,914,000 | 5,381 |
| Average total loans | $103,425,000 | 3,928 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0878% | 1,985 |
| Cost of funding earning assets | 2.9827% | 630 |
| Net interest margin | 3.1051% | 6,182 |
| Noninterest income to average assets | 0.2585% | 6,378 |
| Noninterest expense to average assets | 2.8897% | 4,192 |
| Loan and lease loss provision to assets | 0.1145% | 5,501 |
| Net operating income to assets | 0.0785% | 6,042 |
| Return on assets (ROA) | 0.0785% | 6,211 |
| Pretax return on assets | 0.0785% | 6,211 |
| Return on Equity (ROE) | 0.9627% | 6,137 |
| Retained earnings to average equity (ytd only) | 0.9627% | 5,262 |
| Net charge-offs to loans | 1.2824% | 1,095 |
| Credit loss provision to net charge-offs | 10.5740% | 5,193 |
| Earnings coverage of net charge-offs (x) | 0.1782% | 4,842 |
| Efficiency ratio | 93.7367% | 1,451 |
| Assets per employee ($millions) | 7.6857% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 3,976 |
| Loan loss allowance to noncurrent loans | 18.1782% | 7,253 |
| Noncurrent assets plus other real estate owned to assets | 7.4717% | 424 |
| Noncurrent loans to loans | 7.2476% | 533 |
| Net loans and leases to total assets | 82.7772% | 887 |
| Net loans and leases to deposits | 95.0261% | 2,106 |
| Net loans and leases to core deposits | 164.7973% | 422 |
| Total domestic deposits to total assets | 87.1100% | 2,164 |
| Equity capital to assets | 8.1450% | 6,604 |
| Core capital (leverage) ratio | 8.1746% | 6,152 |
| Tier 1 risk-based capital ratio | 9.0364% | 7,775 |
| Total risk-based capital ratio | 10.2663% | 7,813 |
| Memoranda: | ||
| Average total assets | $122,228,000 | 4,591 |
| Average earning assets | $111,173,000 | 4,603 |
| Average equity | $9,971,500 | 5,394 |
| Average total loans | $103,244,000 | 3,955 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7531% | 1,853 |
| Cost of funding earning assets | 3.3770% | 741 |
| Net interest margin | 3.3761% | 5,760 |
| Noninterest income to average assets | 0.3703% | 5,738 |
| Noninterest expense to average assets | 3.2265% | 3,232 |
| Loan and lease loss provision to assets | 1.2924% | 1,102 |
| Net operating income to assets | -0.9640% | 7,232 |
| Return on assets (ROA) | -0.7744% | 7,022 |
| Pretax return on assets | -0.7735% | 6,867 |
| Return on Equity (ROE) | -8.5097% | 7,160 |
| Retained earnings to average equity (ytd only) | -8.5097% | 6,926 |
| Net charge-offs to loans | 0.7332% | 1,685 |
| Credit loss provision to net charge-offs | 217.6912% | 2,203 |
| Earnings coverage of net charge-offs (x) | 0.5547% | 5,897 |
| Efficiency ratio | 90.7384% | 1,459 |
| Assets per employee ($millions) | 7.1462% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 2,240 |
| Loan loss allowance to noncurrent loans | 22.9957% | 7,100 |
| Noncurrent assets plus other real estate owned to assets | 7.3334% | 339 |
| Noncurrent loans to loans | 6.9646% | 438 |
| Net loans and leases to total assets | 83.6992% | 937 |
| Net loans and leases to deposits | 96.6724% | 2,343 |
| Net loans and leases to core deposits | 149.3391% | 877 |
| Total domestic deposits to total assets | 86.5802% | 2,148 |
| Equity capital to assets | 8.1714% | 6,592 |
| Core capital (leverage) ratio | 8.0132% | 6,467 |
| Tier 1 risk-based capital ratio | 8.9972% | 7,781 |
| Total risk-based capital ratio | 10.2501% | 7,782 |
| Memoranda: | ||
| Average total assets | $112,350,200 | 4,712 |
| Average earning assets | $106,010,600 | 4,613 |
| Average equity | $10,223,600 | 5,335 |
| Average total loans | $90,968,400 | 4,197 |