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Westsound Bank, Performance and Condition Ratios
| 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 | 4.2503% | 7,876 |
| Cost of funding earning assets | 3.5958% | 117 |
| Net interest margin | 0.6545% | 8,187 |
| Noninterest income to average assets | -1.2945% | 8,221 |
| Noninterest expense to average assets | 4.2083% | 932 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -4.9402% | 8,036 |
| Return on assets (ROA) | -4.9402% | 8,028 |
| Pretax return on assets | -4.9265% | 7,978 |
| Return on Equity (ROE) | -56.7562% | 8,074 |
| Retained earnings to average equity (ytd only) | -56.7562% | 8,056 |
| Net charge-offs to loans | 5.5131% | 179 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -1.1494% | 5,394 |
| Efficiency ratio | -585.9873% | 8,244 |
| Assets per employee ($millions) | 3.6370% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6467% | 76 |
| Loan loss allowance to noncurrent loans | 14.2772% | 7,424 |
| Noncurrent assets plus other real estate owned to assets | 38.2074% | 4 |
| Noncurrent loans to loans | 39.5502% | 9 |
| Net loans and leases to total assets | 73.2236% | 2,956 |
| Net loans and leases to deposits | 80.4732% | 4,537 |
| Net loans and leases to core deposits | 111.3696% | 3,276 |
| Total domestic deposits to total assets | 90.9912% | 415 |
| Equity capital to assets | 8.4499% | 6,151 |
| Core capital (leverage) ratio | 8.0194% | 6,414 |
| Tier 1 risk-based capital ratio | 9.6379% | 7,302 |
| Total risk-based capital ratio | 10.9348% | 7,184 |
| Memoranda: | ||
| Average total assets | $349,784,000 | 1,988 |
| Average earning assets | $308,026,500 | 2,074 |
| Average equity | $30,446,000 | 2,237 |
| Average total loans | $271,933,000 | 1,823 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0244% | 7,819 |
| Cost of funding earning assets | 3.9693% | 106 |
| Net interest margin | 1.0550% | 8,227 |
| Noninterest income to average assets | -0.2720% | 8,236 |
| Noninterest expense to average assets | 3.4819% | 2,447 |
| Loan and lease loss provision to assets | 3.9821% | 164 |
| Net operating income to assets | -7.0894% | 8,199 |
| Return on assets (ROA) | -7.0894% | 8,193 |
| Pretax return on assets | -6.7560% | 8,148 |
| Return on Equity (ROE) | -63.2805% | 8,213 |
| Retained earnings to average equity (ytd only) | -63.2805% | 8,204 |
| Net charge-offs to loans | 5.2966% | 88 |
| Credit loss provision to net charge-offs | 94.0320% | 5,570 |
| Earnings coverage of net charge-offs (x) | -0.6550% | 6,527 |
| Efficiency ratio | 491.7799% | 49 |
| Assets per employee ($millions) | 3.9243% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4784% | 43 |
| Loan loss allowance to noncurrent loans | 16.4044% | 7,351 |
| Noncurrent assets plus other real estate owned to assets | 36.1303% | 6 |
| Noncurrent loans to loans | 39.4918% | 8 |
| Net loans and leases to total assets | 72.8244% | 3,406 |
| Net loans and leases to deposits | 80.4960% | 4,959 |
| Net loans and leases to core deposits | 112.9446% | 3,452 |
| Total domestic deposits to total assets | 90.4696% | 505 |
| Equity capital to assets | 8.9374% | 5,452 |
| Core capital (leverage) ratio | 8.1650% | 6,231 |
| Tier 1 risk-based capital ratio | 10.4799% | 6,227 |
| Total risk-based capital ratio | 11.7880% | 6,066 |
| Memoranda: | ||
| Average total assets | $436,428,800 | 1,564 |
| Average earning assets | $405,384,000 | 1,541 |
| Average equity | $48,893,400 | 1,396 |
| Average total loans | $348,943,800 | 1,391 |