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Wheatland Bank, Performance and Condition Ratios
| 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 | 2.6892% | 7,841 |
| Cost of funding earning assets | 2.7099% | 115 |
| Net interest margin | -0.0208% | 7,927 |
| Noninterest income to average assets | 0.0347% | 7,539 |
| Noninterest expense to average assets | 2.9418% | 3,905 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -2.9272% | 7,629 |
| Return on assets (ROA) | -2.6945% | 7,592 |
| Pretax return on assets | -2.6945% | 7,544 |
| Return on Equity (ROE) | 123.6017% | 12 |
| Retained earnings to average equity (ytd only) | 123.6017% | 10 |
| Net charge-offs to loans | 0.7236% | 2,053 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -4.5504% | 5,531 |
| Efficiency ratio | 20,150.0000% | 2 |
| Assets per employee ($millions) | 19.2041% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1632% | 28 |
| Loan loss allowance to noncurrent loans | 19.3591% | 7,045 |
| Noncurrent assets plus other real estate owned to assets | 43.4396% | 2 |
| Noncurrent loans to loans | 47.3329% | 4 |
| Net loans and leases to total assets | 78.1643% | 1,120 |
| Net loans and leases to deposits | 76.9066% | 4,238 |
| Net loans and leases to core deposits | 84.3918% | 4,155 |
| Total domestic deposits to total assets | 101.6353% | 5 |
| Equity capital to assets | -2.4872% | 7,929 |
| Core capital (leverage) ratio | -2.4961% | 7,930 |
| Tier 1 risk-based capital ratio | -2.9885% | 7,929 |
| Total risk-based capital ratio | -2.9885% | 7,929 |
| Memoranda: | ||
| Average total assets | $438,374,500 | 1,599 |
| Average earning assets | $423,773,500 | 1,509 |
| Average equity | $-9,556,500 | 7,933 |
| Average total loans | $389,730,500 | 1,216 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3472% | 7,524 |
| Cost of funding earning assets | 3.1771% | 138 |
| Net interest margin | 1.1701% | 7,908 |
| Noninterest income to average assets | 0.0305% | 7,587 |
| Noninterest expense to average assets | 1.1974% | 7,908 |
| Loan and lease loss provision to assets | 9.1531% | 22 |
| Net operating income to assets | -9.1678% | 7,962 |
| Return on assets (ROA) | -9.1678% | 7,963 |
| Pretax return on assets | -9.1678% | 7,952 |
| Return on Equity (ROE) | -146.8718% | 7,986 |
| Retained earnings to average equity (ytd only) | -146.8718% | 7,986 |
| Net charge-offs to loans | 4.5282% | 325 |
| Credit loss provision to net charge-offs | 235.8883% | 1,538 |
| Earnings coverage of net charge-offs (x) | -0.0038% | 6,204 |
| Efficiency ratio | 101.2458% | 1,045 |
| Assets per employee ($millions) | 20.7169% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8966% | 26 |
| Loan loss allowance to noncurrent loans | 20.9952% | 7,017 |
| Noncurrent assets plus other real estate owned to assets | 39.2353% | 2 |
| Noncurrent loans to loans | 42.3747% | 6 |
| Net loans and leases to total assets | 83.6343% | 477 |
| Net loans and leases to deposits | 82.9768% | 3,454 |
| Net loans and leases to core deposits | 95.8813% | 4,479 |
| Total domestic deposits to total assets | 100.7923% | 6 |
| Equity capital to assets | -1.8680% | 8,005 |
| Core capital (leverage) ratio | -1.7362% | 8,006 |
| Tier 1 risk-based capital ratio | -2.2471% | 8,006 |
| Total risk-based capital ratio | -2.2471% | 8,006 |
| Memoranda: | ||
| Average total assets | $475,095,800 | 1,463 |
| Average earning assets | $467,817,000 | 1,344 |
| Average equity | $29,655,800 | 2,250 |
| Average total loans | $407,114,200 | 1,183 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9438% | 6,786 |
| Cost of funding earning assets | 3.2421% | 166 |
| Net interest margin | 1.7017% | 7,913 |
| Noninterest income to average assets | 0.0316% | 7,725 |
| Noninterest expense to average assets | 1.0593% | 8,023 |
| Loan and lease loss provision to assets | 0.5164% | 3,321 |
| Net operating income to assets | 0.1314% | 5,374 |
| Return on assets (ROA) | 0.1314% | 5,438 |
| Pretax return on assets | 0.1314% | 5,457 |
| Return on Equity (ROE) | 1.6299% | 5,294 |
| Retained earnings to average equity (ytd only) | 1.6299% | 4,403 |
| Net charge-offs to loans | 0.0577% | 6,127 |
| Credit loss provision to net charge-offs | 1,061.5819% | 359 |
| Earnings coverage of net charge-offs (x) | 13.3166% | 1,683 |
| Efficiency ratio | 62.0512% | 6,091 |
| Assets per employee ($millions) | 21.8458% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8940% | 728 |
| Loan loss allowance to noncurrent loans | 9.5132% | 7,462 |
| Noncurrent assets plus other real estate owned to assets | 26.7095% | 16 |
| Noncurrent loans to loans | 30.4210% | 15 |
| Net loans and leases to total assets | 85.0566% | 431 |
| Net loans and leases to deposits | 93.5761% | 1,953 |
| Net loans and leases to core deposits | 100.5334% | 4,318 |
| Total domestic deposits to total assets | 90.8957% | 451 |
| Equity capital to assets | 8.0527% | 6,798 |
| Core capital (leverage) ratio | 7.9269% | 6,471 |
| Tier 1 risk-based capital ratio | 9.0873% | 7,586 |
| Total risk-based capital ratio | 10.3577% | 7,587 |
| Memoranda: | ||
| Average total assets | $485,106,000 | 1,437 |
| Average earning assets | $477,620,000 | 1,340 |
| Average equity | $39,101,500 | 1,739 |
| Average total loans | $409,046,000 | 1,197 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4669% | 4,802 |
| Cost of funding earning assets | 3.3391% | 178 |
| Net interest margin | 2.1278% | 7,793 |
| Noninterest income to average assets | 0.0341% | 7,817 |
| Noninterest expense to average assets | 1.1525% | 8,096 |
| Loan and lease loss provision to assets | 0.2939% | 4,215 |
| Net operating income to assets | 0.6815% | 3,336 |
| Return on assets (ROA) | 0.6815% | 3,454 |
| Pretax return on assets | 0.6815% | 4,063 |
| Return on Equity (ROE) | 8.4517% | 2,591 |
| Retained earnings to average equity (ytd only) | 8.4517% | 1,078 |
| Net charge-offs to loans | 0.0874% | 5,327 |
| Credit loss provision to net charge-offs | 403.9548% | 1,147 |
| Earnings coverage of net charge-offs (x) | 13.4068% | 1,744 |
| Efficiency ratio | 54.1626% | 7,311 |
| Assets per employee ($millions) | 27.0463% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6640% | 773 |
| Loan loss allowance to noncurrent loans | 44.8036% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 5.1143% | 1,020 |
| Noncurrent loans to loans | 5.9459% | 924 |
| Net loans and leases to total assets | 82.7004% | 826 |
| Net loans and leases to deposits | 91.1477% | 2,622 |
| Net loans and leases to core deposits | 95.9917% | 4,904 |
| Total domestic deposits to total assets | 90.7323% | 543 |
| Equity capital to assets | 8.1837% | 6,517 |
| Core capital (leverage) ratio | 7.9333% | 6,439 |
| Tier 1 risk-based capital ratio | 9.2920% | 7,547 |
| Total risk-based capital ratio | 10.5575% | 7,518 |
| Memoranda: | ||
| Average total assets | $486,605,330 | 1,455 |
| Average earning assets | $478,809,670 | 1,352 |
| Average equity | $39,234,670 | 1,738 |
| Average total loans | $405,070,670 | 1,231 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6675% | 3,955 |
| Cost of funding earning assets | 3.4075% | 193 |
| Net interest margin | 2.2600% | 7,751 |
| Noninterest income to average assets | 0.0345% | 7,905 |
| Noninterest expense to average assets | 1.0352% | 8,161 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2243% | 1,582 |
| Return on assets (ROA) | 1.2243% | 1,687 |
| Pretax return on assets | 1.2243% | 2,535 |
| Return on Equity (ROE) | 15.2987% | 922 |
| Retained earnings to average equity (ytd only) | 15.2987% | 384 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8151% | 7,849 |
| Assets per employee ($millions) | 27.1830% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6040% | 687 |
| Loan loss allowance to noncurrent loans | 819.4683% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.3243% | 6,537 |
| Noncurrent loans to loans | 0.3178% | 6,647 |
| Net loans and leases to total assets | 80.1171% | 1,363 |
| Net loans and leases to deposits | 88.0887% | 3,277 |
| Net loans and leases to core deposits | 92.4249% | 5,312 |
| Total domestic deposits to total assets | 90.9504% | 430 |
| Equity capital to assets | 8.1025% | 6,673 |
| Core capital (leverage) ratio | 8.1664% | 6,163 |
| Tier 1 risk-based capital ratio | 9.2570% | 7,620 |
| Total risk-based capital ratio | 10.5222% | 7,589 |
| Memoranda: | ||
| Average total assets | $486,491,500 | 1,459 |
| Average earning assets | $478,944,000 | 1,353 |
| Average equity | $38,931,500 | 1,743 |
| Average total loans | $400,790,000 | 1,254 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2702% | 4,121 |
| Cost of funding earning assets | 3.8460% | 170 |
| Net interest margin | 2.4242% | 7,829 |
| Noninterest income to average assets | 0.0235% | 8,021 |
| Noninterest expense to average assets | 0.8579% | 8,223 |
| Loan and lease loss provision to assets | 2.6803% | 369 |
| Net operating income to assets | -1.1265% | 7,307 |
| Return on assets (ROA) | -1.1265% | 7,247 |
| Pretax return on assets | -1.1265% | 7,074 |
| Return on Equity (ROE) | -10.2319% | 7,293 |
| Retained earnings to average equity (ytd only) | -10.2319% | 7,091 |
| Net charge-offs to loans | 0.6706% | 1,839 |
| Credit loss provision to net charge-offs | 491.2959% | 887 |
| Earnings coverage of net charge-offs (x) | 2.8482% | 4,650 |
| Efficiency ratio | 35.5721% | 8,197 |
| Assets per employee ($millions) | 30.2306% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6262% | 597 |
| Loan loss allowance to noncurrent loans | 84.7703% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 2.5562% | 1,894 |
| Noncurrent loans to loans | 3.0980% | 1,721 |
| Net loans and leases to total assets | 80.3429% | 1,581 |
| Net loans and leases to deposits | 88.6028% | 3,705 |
| Net loans and leases to core deposits | 120.0852% | 2,680 |
| Total domestic deposits to total assets | 90.6777% | 433 |
| Equity capital to assets | 7.9014% | 6,971 |
| Core capital (leverage) ratio | 7.9694% | 6,541 |
| Tier 1 risk-based capital ratio | 9.2935% | 7,531 |
| Total risk-based capital ratio | 10.5601% | 7,432 |
| Memoranda: | ||
| Average total assets | $379,062,600 | 1,783 |
| Average earning assets | $373,450,000 | 1,666 |
| Average equity | $41,732,200 | 1,606 |
| Average total loans | $308,359,400 | 1,571 |