Home > Western Springs National Bank and Trust > Performance and Condition Ratios
Western Springs National Bank and Trust, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3034% | 6,012 |
| Cost of funding earning assets | 0.7767% | 5,699 |
| Net interest margin | 3.5267% | 4,894 |
| Noninterest income to average assets | 0.2849% | 5,635 |
| Noninterest expense to average assets | 3.8390% | 1,273 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.4220% | 6,753 |
| Return on assets (ROA) | -0.4220% | 6,765 |
| Pretax return on assets | -0.4220% | 6,704 |
| Return on Equity (ROE) | -23.8138% | 7,265 |
| Retained earnings to average equity (ytd only) | -23.8138% | 7,222 |
| Net charge-offs to loans | -0.7278% | 7,458 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.3511% | 453 |
| Assets per employee ($millions) | 5.4905% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5381% | 279 |
| Loan loss allowance to noncurrent loans | 20.9425% | 6,737 |
| Noncurrent assets plus other real estate owned to assets | 20.7412% | 56 |
| Noncurrent loans to loans | 21.6692% | 55 |
| Net loans and leases to total assets | 77.4712% | 808 |
| Net loans and leases to deposits | 79.2700% | 2,847 |
| Net loans and leases to core deposits | 81.6934% | 3,494 |
| Total domestic deposits to total assets | 97.7308% | 9 |
| Equity capital to assets | 1.7201% | 7,542 |
| Core capital (leverage) ratio | 1.7442% | 7,541 |
| Tier 1 risk-based capital ratio | 2.1190% | 7,545 |
| Total risk-based capital ratio | 3.4088% | 7,546 |
| Memoranda: | ||
| Average total assets | $186,716,500 | 3,288 |
| Average earning assets | $165,822,500 | 3,366 |
| Average equity | $3,309,000 | 7,074 |
| Average total loans | $153,878,000 | 2,650 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6315% | 6,016 |
| Cost of funding earning assets | 1.3549% | 3,540 |
| Net interest margin | 3.2765% | 6,050 |
| Noninterest income to average assets | 0.4270% | 4,695 |
| Noninterest expense to average assets | 3.8408% | 1,414 |
| Loan and lease loss provision to assets | 5.5814% | 52 |
| Net operating income to assets | -6.0925% | 7,585 |
| Return on assets (ROA) | -5.8269% | 7,584 |
| Pretax return on assets | -5.8269% | 7,579 |
| Return on Equity (ROE) | -129.3555% | 7,624 |
| Retained earnings to average equity (ytd only) | -129.3555% | 7,624 |
| Net charge-offs to loans | 5.7241% | 110 |
| Credit loss provision to net charge-offs | 121.6301% | 3,454 |
| Earnings coverage of net charge-offs (x) | -0.1114% | 6,230 |
| Efficiency ratio | 115.3493% | 462 |
| Assets per employee ($millions) | 5.3359% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2205% | 330 |
| Loan loss allowance to noncurrent loans | 21.9220% | 6,738 |
| Noncurrent assets plus other real estate owned to assets | 19.2631% | 76 |
| Noncurrent loans to loans | 19.2525% | 78 |
| Net loans and leases to total assets | 80.1393% | 647 |
| Net loans and leases to deposits | 82.2620% | 2,754 |
| Net loans and leases to core deposits | 84.5002% | 3,525 |
| Total domestic deposits to total assets | 97.4196% | 10 |
| Equity capital to assets | 1.8243% | 7,616 |
| Core capital (leverage) ratio | 1.7138% | 7,616 |
| Tier 1 risk-based capital ratio | 2.1663% | 7,620 |
| Total risk-based capital ratio | 3.4524% | 7,620 |
| Memoranda: | ||
| Average total assets | $209,356,200 | 2,987 |
| Average earning assets | $185,469,800 | 3,054 |
| Average equity | $9,430,600 | 5,288 |
| Average total loans | $167,834,800 | 2,503 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6543% | 6,177 |
| Cost of funding earning assets | 1.4484% | 3,286 |
| Net interest margin | 3.2059% | 6,324 |
| Noninterest income to average assets | 0.4111% | 4,870 |
| Noninterest expense to average assets | 3.0770% | 3,441 |
| Loan and lease loss provision to assets | 4.7011% | 109 |
| Net operating income to assets | -4.5300% | 7,616 |
| Return on assets (ROA) | -4.5300% | 7,625 |
| Pretax return on assets | -4.5300% | 7,607 |
| Return on Equity (ROE) | -89.0574% | 7,675 |
| Retained earnings to average equity (ytd only) | -89.0574% | 7,675 |
| Net charge-offs to loans | 4.3717% | 248 |
| Credit loss provision to net charge-offs | 135.4234% | 2,968 |
| Earnings coverage of net charge-offs (x) | 0.0493% | 5,977 |
| Efficiency ratio | 94.7308% | 962 |
| Assets per employee ($millions) | 5.4556% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9856% | 377 |
| Loan loss allowance to noncurrent loans | 18.7818% | 6,952 |
| Noncurrent assets plus other real estate owned to assets | 21.3590% | 44 |
| Noncurrent loans to loans | 21.2203% | 63 |
| Net loans and leases to total assets | 79.7296% | 794 |
| Net loans and leases to deposits | 84.0471% | 2,696 |
| Net loans and leases to core deposits | 86.2925% | 3,608 |
| Total domestic deposits to total assets | 94.8630% | 43 |
| Equity capital to assets | 4.5728% | 7,609 |
| Core capital (leverage) ratio | 4.0323% | 7,617 |
| Tier 1 risk-based capital ratio | 5.0171% | 7,639 |
| Total risk-based capital ratio | 6.3001% | 7,641 |
| Memoranda: | ||
| Average total assets | $215,006,250 | 2,979 |
| Average earning assets | $190,269,250 | 3,042 |
| Average equity | $10,936,500 | 4,942 |
| Average total loans | $170,728,500 | 2,502 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6630% | 6,266 |
| Cost of funding earning assets | 1.5180% | 3,151 |
| Net interest margin | 3.1450% | 6,475 |
| Noninterest income to average assets | 0.4801% | 4,287 |
| Noninterest expense to average assets | 2.4827% | 5,778 |
| Loan and lease loss provision to assets | 6.6390% | 58 |
| Net operating income to assets | -5.8750% | 7,732 |
| Return on assets (ROA) | -5.8750% | 7,737 |
| Pretax return on assets | -5.8750% | 7,722 |
| Return on Equity (ROE) | -112.1473% | 7,747 |
| Retained earnings to average equity (ytd only) | -112.1473% | 7,747 |
| Net charge-offs to loans | 6.1867% | 122 |
| Credit loss provision to net charge-offs | 136.9963% | 2,926 |
| Earnings coverage of net charge-offs (x) | 0.1576% | 5,564 |
| Efficiency ratio | 76.4690% | 2,986 |
| Assets per employee ($millions) | 5.7251% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8774% | 408 |
| Loan loss allowance to noncurrent loans | 19.9222% | 6,944 |
| Noncurrent assets plus other real estate owned to assets | 19.0970% | 67 |
| Noncurrent loans to loans | 19.4630% | 94 |
| Net loans and leases to total assets | 76.0689% | 1,484 |
| Net loans and leases to deposits | 80.0350% | 3,595 |
| Net loans and leases to core deposits | 82.8770% | 4,301 |
| Total domestic deposits to total assets | 95.0446% | 48 |
| Equity capital to assets | 4.4729% | 7,667 |
| Core capital (leverage) ratio | 4.2285% | 7,668 |
| Tier 1 risk-based capital ratio | 5.3035% | 7,684 |
| Total risk-based capital ratio | 6.5850% | 7,685 |
| Memoranda: | ||
| Average total assets | $221,208,330 | 2,921 |
| Average earning assets | $194,597,000 | 3,012 |
| Average equity | $11,588,330 | 4,785 |
| Average total loans | $173,275,000 | 2,499 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 6,541 |
| Cost of funding earning assets | 1.6277% | 2,787 |
| Net interest margin | 2.9804% | 6,875 |
| Noninterest income to average assets | 0.7083% | 2,541 |
| Noninterest expense to average assets | 2.4737% | 5,829 |
| Loan and lease loss provision to assets | 11.4671% | 19 |
| Net operating income to assets | -10.6030% | 7,903 |
| Return on assets (ROA) | -10.6030% | 7,902 |
| Pretax return on assets | -10.6030% | 7,898 |
| Return on Equity (ROE) | -189.4187% | 7,884 |
| Retained earnings to average equity (ytd only) | -189.4187% | 7,883 |
| Net charge-offs to loans | 10.2059% | 52 |
| Credit loss provision to net charge-offs | 144.1353% | 2,468 |
| Earnings coverage of net charge-offs (x) | 0.1086% | 4,937 |
| Efficiency ratio | 74.1114% | 3,559 |
| Assets per employee ($millions) | 5.9213% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7702% | 446 |
| Loan loss allowance to noncurrent loans | 21.5004% | 6,936 |
| Noncurrent assets plus other real estate owned to assets | 16.9800% | 99 |
| Noncurrent loans to loans | 17.5355% | 121 |
| Net loans and leases to total assets | 75.7256% | 1,602 |
| Net loans and leases to deposits | 79.4777% | 3,749 |
| Net loans and leases to core deposits | 82.3374% | 4,435 |
| Total domestic deposits to total assets | 95.2790% | 40 |
| Equity capital to assets | 4.3809% | 7,767 |
| Core capital (leverage) ratio | 4.2159% | 7,760 |
| Tier 1 risk-based capital ratio | 5.5420% | 7,770 |
| Total risk-based capital ratio | 6.8228% | 7,773 |
| Memoranda: | ||
| Average total assets | $225,898,000 | 2,922 |
| Average earning assets | $199,304,000 | 3,009 |
| Average equity | $12,645,000 | 4,555 |
| Average total loans | $176,094,500 | 2,530 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2020% | 5,642 |
| Cost of funding earning assets | 2.1151% | 2,389 |
| Net interest margin | 3.0869% | 6,410 |
| Noninterest income to average assets | 0.2483% | 6,328 |
| Noninterest expense to average assets | 2.4632% | 6,260 |
| Loan and lease loss provision to assets | 1.9423% | 1,135 |
| Net operating income to assets | -1.3312% | 6,782 |
| Return on assets (ROA) | -1.3312% | 6,785 |
| Pretax return on assets | -1.3312% | 6,613 |
| Return on Equity (ROE) | -16.9737% | 7,028 |
| Retained earnings to average equity (ytd only) | -22.5432% | 7,191 |
| Net charge-offs to loans | 1.8044% | 1,386 |
| Credit loss provision to net charge-offs | 133.9510% | 3,720 |
| Earnings coverage of net charge-offs (x) | 0.4214% | 5,679 |
| Efficiency ratio | 80.1240% | 2,871 |
| Assets per employee ($millions) | 6.2894% | 1,084 |
| Cash dividends to net income (ytd only)* | -32.8125% | 7,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5125% | 1,205 |
| Loan loss allowance to noncurrent loans | 16.8469% | 7,193 |
| Noncurrent assets plus other real estate owned to assets | 14.2951% | 157 |
| Noncurrent loans to loans | 14.9135% | 178 |
| Net loans and leases to total assets | 75.3160% | 1,962 |
| Net loans and leases to deposits | 81.5317% | 3,690 |
| Net loans and leases to core deposits | 111.2743% | 2,762 |
| Total domestic deposits to total assets | 92.3763% | 203 |
| Equity capital to assets | 6.7432% | 7,481 |
| Core capital (leverage) ratio | 6.6704% | 7,424 |
| Tier 1 risk-based capital ratio | 8.3956% | 7,602 |
| Total risk-based capital ratio | 9.6600% | 7,621 |
| Memoranda: | ||
| Average total assets | $230,761,200 | 2,815 |
| Average earning assets | $211,247,200 | 2,822 |
| Average equity | $18,098,600 | 3,494 |
| Average total loans | $185,437,600 | 2,450 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3426% | 5,210 |
| Cost of funding earning assets | 2.1484% | 2,659 |
| Net interest margin | 3.1941% | 6,044 |
| Noninterest income to average assets | 0.2386% | 6,521 |
| Noninterest expense to average assets | 2.5077% | 6,047 |
| Loan and lease loss provision to assets | 1.4967% | 1,282 |
| Net operating income to assets | -0.8141% | 6,701 |
| Return on assets (ROA) | -0.8141% | 6,703 |
| Pretax return on assets | -0.8141% | 6,552 |
| Return on Equity (ROE) | -10.0246% | 6,900 |
| Retained earnings to average equity (ytd only) | -17.2115% | 7,241 |
| Net charge-offs to loans | 2.2905% | 823 |
| Credit loss provision to net charge-offs | 80.5296% | 5,748 |
| Earnings coverage of net charge-offs (x) | 0.3673% | 5,657 |
| Efficiency ratio | 78.6025% | 3,064 |
| Assets per employee ($millions) | 6.4869% | 987 |
| Cash dividends to net income (ytd only)* | -71.6929% | 7,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 3,355 |
| Loan loss allowance to noncurrent loans | 18.7114% | 7,158 |
| Noncurrent assets plus other real estate owned to assets | 8.7078% | 456 |
| Noncurrent loans to loans | 8.0912% | 594 |
| Net loans and leases to total assets | 74.6962% | 2,314 |
| Net loans and leases to deposits | 86.6578% | 3,196 |
| Net loans and leases to core deposits | 117.5920% | 2,458 |
| Total domestic deposits to total assets | 86.1967% | 2,589 |
| Equity capital to assets | 7.2404% | 7,460 |
| Core capital (leverage) ratio | 7.3500% | 7,133 |
| Tier 1 risk-based capital ratio | 9.1810% | 7,551 |
| Total risk-based capital ratio | 10.4361% | 7,546 |
| Memoranda: | ||
| Average total assets | $230,274,250 | 2,843 |
| Average earning assets | $212,801,250 | 2,819 |
| Average equity | $18,700,250 | 3,418 |
| Average total loans | $186,851,000 | 2,462 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5179% | 4,523 |
| Cost of funding earning assets | 2.2632% | 2,515 |
| Net interest margin | 3.2547% | 5,716 |
| Noninterest income to average assets | 0.2520% | 6,479 |
| Noninterest expense to average assets | 2.7503% | 5,176 |
| Loan and lease loss provision to assets | 1.4448% | 1,202 |
| Net operating income to assets | -0.9241% | 6,914 |
| Return on assets (ROA) | -0.9241% | 6,923 |
| Pretax return on assets | -0.9241% | 6,764 |
| Return on Equity (ROE) | -10.9608% | 7,107 |
| Retained earnings to average equity (ytd only) | -20.4378% | 7,467 |
| Net charge-offs to loans | 2.6744% | 631 |
| Credit loss provision to net charge-offs | 65.0794% | 5,507 |
| Earnings coverage of net charge-offs (x) | 0.2345% | 5,436 |
| Efficiency ratio | 84.0830% | 2,463 |
| Assets per employee ($millions) | 6.0902% | 1,167 |
| Cash dividends to net income (ytd only)* | -86.4633% | 8,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 3,905 |
| Loan loss allowance to noncurrent loans | 23.9216% | 6,903 |
| Noncurrent assets plus other real estate owned to assets | 6.5762% | 685 |
| Noncurrent loans to loans | 5.7125% | 992 |
| Net loans and leases to total assets | 78.0026% | 1,741 |
| Net loans and leases to deposits | 91.3548% | 2,592 |
| Net loans and leases to core deposits | 122.0102% | 2,207 |
| Total domestic deposits to total assets | 85.3842% | 3,071 |
| Equity capital to assets | 7.7225% | 7,046 |
| Core capital (leverage) ratio | 7.8205% | 6,588 |
| Tier 1 risk-based capital ratio | 9.4390% | 7,444 |
| Total risk-based capital ratio | 10.6924% | 7,396 |
| Memoranda: | ||
| Average total assets | $227,027,330 | 2,891 |
| Average earning assets | $210,585,670 | 2,862 |
| Average equity | $19,141,000 | 3,371 |
| Average total loans | $188,455,330 | 2,471 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9041% | 2,773 |
| Cost of funding earning assets | 2.4023% | 2,284 |
| Net interest margin | 3.5018% | 4,728 |
| Noninterest income to average assets | 0.2758% | 6,221 |
| Noninterest expense to average assets | 2.2577% | 6,665 |
| Loan and lease loss provision to assets | 0.0801% | 5,949 |
| Net operating income to assets | 1.1849% | 1,697 |
| Return on assets (ROA) | 1.1849% | 1,806 |
| Pretax return on assets | 1.1849% | 2,671 |
| Return on Equity (ROE) | 13.4712% | 1,277 |
| Retained earnings to average equity (ytd only) | -4.8747% | 6,536 |
| Net charge-offs to loans | 0.0209% | 5,269 |
| Credit loss provision to net charge-offs | 450.0000% | 1,178 |
| Earnings coverage of net charge-offs (x) | 71.1000% | 566 |
| Efficiency ratio | 64.0909% | 5,672 |
| Assets per employee ($millions) | 5.8968% | 1,257 |
| Cash dividends to net income (ytd only)* | 136.1862% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7978% | 1,856 |
| Loan loss allowance to noncurrent loans | 33.7017% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 5.9211% | 685 |
| Noncurrent loans to loans | 5.3343% | 993 |
| Net loans and leases to total assets | 83.2729% | 817 |
| Net loans and leases to deposits | 99.0714% | 1,527 |
| Net loans and leases to core deposits | 129.6648% | 1,683 |
| Total domestic deposits to total assets | 84.0535% | 3,683 |
| Equity capital to assets | 8.7509% | 5,692 |
| Core capital (leverage) ratio | 8.6728% | 5,202 |
| Tier 1 risk-based capital ratio | 10.2049% | 6,715 |
| Total risk-based capital ratio | 11.4637% | 6,614 |
| Memoranda: | ||
| Average total assets | $224,827,500 | 2,931 |
| Average earning assets | $208,466,500 | 2,901 |
| Average equity | $19,775,500 | 3,294 |
| Average total loans | $191,173,000 | 2,463 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3277% | 3,808 |
| Cost of funding earning assets | 2.6497% | 3,432 |
| Net interest margin | 3.6780% | 4,562 |
| Noninterest income to average assets | 0.2600% | 6,590 |
| Noninterest expense to average assets | 2.1582% | 7,095 |
| Loan and lease loss provision to assets | 0.9142% | 1,629 |
| Net operating income to assets | 0.6630% | 4,051 |
| Return on assets (ROA) | 0.6630% | 3,897 |
| Pretax return on assets | 0.6380% | 4,578 |
| Return on Equity (ROE) | 7.6244% | 3,229 |
| Retained earnings to average equity (ytd only) | 1.2052% | 4,507 |
| Net charge-offs to loans | 0.5278% | 2,255 |
| Credit loss provision to net charge-offs | 205.0147% | 2,370 |
| Earnings coverage of net charge-offs (x) | 3.4808% | 4,348 |
| Efficiency ratio | 58.1659% | 6,667 |
| Assets per employee ($millions) | 5.7840% | 1,273 |
| Cash dividends to net income (ytd only)* | 84.1931% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7579% | 1,745 |
| Loan loss allowance to noncurrent loans | 33.0660% | 6,520 |
| Noncurrent assets plus other real estate owned to assets | 5.9213% | 515 |
| Noncurrent loans to loans | 5.3163% | 793 |
| Net loans and leases to total assets | 83.7642% | 926 |
| Net loans and leases to deposits | 99.7045% | 1,860 |
| Net loans and leases to core deposits | 130.3614% | 1,825 |
| Total domestic deposits to total assets | 84.0124% | 3,315 |
| Equity capital to assets | 8.8405% | 5,584 |
| Core capital (leverage) ratio | 8.6681% | 5,253 |
| Tier 1 risk-based capital ratio | 10.1179% | 6,614 |
| Total risk-based capital ratio | 11.3758% | 6,464 |
| Memoranda: | ||
| Average total assets | $228,061,800 | 2,794 |
| Average earning assets | $213,948,800 | 2,723 |
| Average equity | $19,831,000 | 3,258 |
| Average total loans | $192,672,600 | 2,367 |