Home > Wilber National Bank > Performance and Condition Ratios
Wilber National Bank, 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 | 4.6407% | 4,781 |
| Cost of funding earning assets | 1.2954% | 2,206 |
| Net interest margin | 3.3453% | 5,624 |
| Noninterest income to average assets | 0.7878% | 2,079 |
| Noninterest expense to average assets | 3.0890% | 3,300 |
| Loan and lease loss provision to assets | 0.3084% | 2,698 |
| Net operating income to assets | 0.3735% | 5,053 |
| Return on assets (ROA) | 0.3742% | 5,133 |
| Pretax return on assets | 0.4916% | 5,053 |
| Return on Equity (ROE) | 4.4876% | 4,663 |
| Retained earnings to average equity (ytd only) | -2.6654% | 6,247 |
| Net charge-offs to loans | 0.5128% | 2,198 |
| Credit loss provision to net charge-offs | 104.2945% | 2,550 |
| Earnings coverage of net charge-offs (x) | 2.7025% | 2,997 |
| Efficiency ratio | 79.4471% | 2,626 |
| Assets per employee ($millions) | 3.4690% | 5,069 |
| Cash dividends to net income (ytd only)* | 159.3939% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9622% | 2,509 |
| Loan loss allowance to noncurrent loans | 42.3641% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 2.6891% | 2,556 |
| Noncurrent loans to loans | 4.6317% | 1,498 |
| Net loans and leases to total assets | 54.0619% | 5,297 |
| Net loans and leases to deposits | 65.1657% | 5,100 |
| Net loans and leases to core deposits | 68.0467% | 5,282 |
| Total domestic deposits to total assets | 82.9607% | 4,949 |
| Equity capital to assets | 8.1876% | 6,295 |
| Core capital (leverage) ratio | 8.5013% | 5,451 |
| Tier 1 risk-based capital ratio | 14.0191% | 4,060 |
| Total risk-based capital ratio | 15.2764% | 4,033 |
| Memoranda: | ||
| Average total assets | $881,971,500 | 759 |
| Average earning assets | $817,375,500 | 747 |
| Average equity | $73,536,000 | 918 |
| Average total loans | $508,597,500 | 860 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9635% | 4,729 |
| Cost of funding earning assets | 1.3471% | 3,594 |
| Net interest margin | 3.6164% | 4,735 |
| Noninterest income to average assets | 0.6082% | 3,419 |
| Noninterest expense to average assets | 2.9785% | 3,931 |
| Loan and lease loss provision to assets | 0.4204% | 3,588 |
| Net operating income to assets | 0.4332% | 4,396 |
| Return on assets (ROA) | 0.7968% | 2,957 |
| Pretax return on assets | 1.0850% | 2,642 |
| Return on Equity (ROE) | 9.7349% | 2,027 |
| Retained earnings to average equity (ytd only) | 6.4246% | 1,604 |
| Net charge-offs to loans | 0.4993% | 3,622 |
| Credit loss provision to net charge-offs | 137.0968% | 2,790 |
| Earnings coverage of net charge-offs (x) | 3.2839% | 3,432 |
| Efficiency ratio | 74.7097% | 3,254 |
| Assets per employee ($millions) | 3.3293% | 5,361 |
| Cash dividends to net income (ytd only)* | 34.0047% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8441% | 2,706 |
| Loan loss allowance to noncurrent loans | 48.3818% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 2.5171% | 2,754 |
| Noncurrent loans to loans | 3.8116% | 1,936 |
| Net loans and leases to total assets | 59.1523% | 4,813 |
| Net loans and leases to deposits | 71.6870% | 4,571 |
| Net loans and leases to core deposits | 75.3719% | 4,804 |
| Total domestic deposits to total assets | 82.5147% | 5,017 |
| Equity capital to assets | 8.4922% | 5,863 |
| Core capital (leverage) ratio | 8.4506% | 5,446 |
| Tier 1 risk-based capital ratio | 13.2196% | 4,441 |
| Total risk-based capital ratio | 14.4753% | 4,385 |
| Memoranda: | ||
| Average total assets | $909,748,000 | 742 |
| Average earning assets | $849,622,800 | 716 |
| Average equity | $74,463,800 | 888 |
| Average total loans | $558,815,600 | 804 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9918% | 4,856 |
| Cost of funding earning assets | 1.3467% | 3,923 |
| Net interest margin | 3.6452% | 4,657 |
| Noninterest income to average assets | 0.5635% | 3,694 |
| Noninterest expense to average assets | 2.8849% | 4,151 |
| Loan and lease loss provision to assets | 0.4964% | 2,983 |
| Net operating income to assets | 0.4309% | 4,622 |
| Return on assets (ROA) | 0.8168% | 3,071 |
| Pretax return on assets | 1.1247% | 2,752 |
| Return on Equity (ROE) | 10.0688% | 2,096 |
| Retained earnings to average equity (ytd only) | 7.1836% | 1,761 |
| Net charge-offs to loans | 0.4677% | 3,414 |
| Credit loss provision to net charge-offs | 172.0241% | 2,149 |
| Earnings coverage of net charge-offs (x) | 3.7845% | 3,299 |
| Efficiency ratio | 72.5109% | 3,606 |
| Assets per employee ($millions) | 3.3089% | 5,435 |
| Cash dividends to net income (ytd only)* | 28.6551% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8559% | 2,610 |
| Loan loss allowance to noncurrent loans | 42.3660% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 2.8062% | 2,590 |
| Noncurrent loans to loans | 4.3806% | 1,661 |
| Net loans and leases to total assets | 58.6563% | 5,157 |
| Net loans and leases to deposits | 70.5856% | 5,070 |
| Net loans and leases to core deposits | 74.9552% | 5,178 |
| Total domestic deposits to total assets | 83.0996% | 4,556 |
| Equity capital to assets | 8.5536% | 6,218 |
| Core capital (leverage) ratio | 8.1937% | 6,048 |
| Tier 1 risk-based capital ratio | 13.0558% | 4,535 |
| Total risk-based capital ratio | 14.3124% | 4,508 |
| Memoranda: | ||
| Average total assets | $919,948,250 | 731 |
| Average earning assets | $861,464,500 | 699 |
| Average equity | $74,631,500 | 881 |
| Average total loans | $567,604,750 | 796 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0339% | 4,779 |
| Cost of funding earning assets | 1.3440% | 4,225 |
| Net interest margin | 3.6899% | 4,411 |
| Noninterest income to average assets | 0.5379% | 3,811 |
| Noninterest expense to average assets | 2.9012% | 4,073 |
| Loan and lease loss provision to assets | 0.5788% | 2,458 |
| Net operating income to assets | 0.3843% | 4,826 |
| Return on assets (ROA) | 0.6731% | 3,666 |
| Pretax return on assets | 0.8983% | 3,498 |
| Return on Equity (ROE) | 8.4470% | 2,691 |
| Retained earnings to average equity (ytd only) | 4.9173% | 2,950 |
| Net charge-offs to loans | 0.4342% | 3,252 |
| Credit loss provision to net charge-offs | 213.8289% | 1,823 |
| Earnings coverage of net charge-offs (x) | 4.0328% | 3,081 |
| Efficiency ratio | 72.6184% | 3,722 |
| Assets per employee ($millions) | 3.3413% | 5,329 |
| Cash dividends to net income (ytd only)* | 41.7872% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7844% | 2,772 |
| Loan loss allowance to noncurrent loans | 44.7902% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 2.6367% | 2,737 |
| Noncurrent loans to loans | 3.9839% | 1,905 |
| Net loans and leases to total assets | 59.5290% | 5,148 |
| Net loans and leases to deposits | 70.9564% | 5,143 |
| Net loans and leases to core deposits | 78.5631% | 4,859 |
| Total domestic deposits to total assets | 83.8952% | 4,152 |
| Equity capital to assets | 8.1804% | 6,567 |
| Core capital (leverage) ratio | 7.7423% | 6,564 |
| Tier 1 risk-based capital ratio | 12.4737% | 4,881 |
| Total risk-based capital ratio | 13.7300% | 4,858 |
| Memoranda: | ||
| Average total assets | $924,389,330 | 722 |
| Average earning assets | $865,490,330 | 693 |
| Average equity | $73,659,000 | 895 |
| Average total loans | $576,190,000 | 793 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0957% | 4,546 |
| Cost of funding earning assets | 1.3320% | 4,613 |
| Net interest margin | 3.7637% | 3,943 |
| Noninterest income to average assets | 0.5912% | 3,335 |
| Noninterest expense to average assets | 2.8950% | 4,081 |
| Loan and lease loss provision to assets | 0.3470% | 3,298 |
| Net operating income to assets | 0.6225% | 3,789 |
| Return on assets (ROA) | 0.8042% | 3,042 |
| Pretax return on assets | 1.1252% | 2,654 |
| Return on Equity (ROE) | 10.2296% | 2,030 |
| Retained earnings to average equity (ytd only) | 6.6432% | 2,302 |
| Net charge-offs to loans | 0.3844% | 2,893 |
| Credit loss provision to net charge-offs | 142.8571% | 2,488 |
| Earnings coverage of net charge-offs (x) | 5.0071% | 2,490 |
| Efficiency ratio | 70.3313% | 4,241 |
| Assets per employee ($millions) | 3.3977% | 5,301 |
| Cash dividends to net income (ytd only)* | 35.0593% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 3,732 |
| Loan loss allowance to noncurrent loans | 45.9981% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 2.2541% | 3,208 |
| Noncurrent loans to loans | 3.3346% | 2,397 |
| Net loans and leases to total assets | 60.6648% | 5,003 |
| Net loans and leases to deposits | 72.2132% | 5,023 |
| Net loans and leases to core deposits | 80.8322% | 4,654 |
| Total domestic deposits to total assets | 84.0079% | 4,143 |
| Equity capital to assets | 7.8038% | 6,847 |
| Core capital (leverage) ratio | 7.7033% | 6,621 |
| Tier 1 risk-based capital ratio | 11.8717% | 5,327 |
| Total risk-based capital ratio | 13.1247% | 5,271 |
| Memoranda: | ||
| Average total assets | $922,145,000 | 739 |
| Average earning assets | $862,455,500 | 712 |
| Average equity | $72,495,500 | 915 |
| Average total loans | $582,786,000 | 797 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3580% | 4,905 |
| Cost of funding earning assets | 1.6602% | 4,734 |
| Net interest margin | 3.6978% | 4,154 |
| Noninterest income to average assets | 0.5918% | 3,688 |
| Noninterest expense to average assets | 2.9348% | 4,409 |
| Loan and lease loss provision to assets | 0.3853% | 4,483 |
| Net operating income to assets | 0.5623% | 3,477 |
| Return on assets (ROA) | 0.8551% | 2,408 |
| Pretax return on assets | 1.1541% | 2,082 |
| Return on Equity (ROE) | 11.4337% | 1,313 |
| Retained earnings to average equity (ytd only) | 7.0265% | 955 |
| Net charge-offs to loans | 0.4217% | 4,110 |
| Credit loss provision to net charge-offs | 142.1178% | 3,399 |
| Earnings coverage of net charge-offs (x) | 4.2178% | 3,018 |
| Efficiency ratio | 71.7034% | 4,319 |
| Assets per employee ($millions) | 3.2726% | 5,557 |
| Cash dividends to net income (ytd only)* | 38.5460% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 3,906 |
| Loan loss allowance to noncurrent loans | 50.0029% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 2.1184% | 3,247 |
| Noncurrent loans to loans | 2.9334% | 2,628 |
| Net loans and leases to total assets | 63.8918% | 4,623 |
| Net loans and leases to deposits | 76.7422% | 4,617 |
| Net loans and leases to core deposits | 92.7626% | 4,806 |
| Total domestic deposits to total assets | 83.2551% | 4,402 |
| Equity capital to assets | 7.9214% | 6,650 |
| Core capital (leverage) ratio | 7.7162% | 6,543 |
| Tier 1 risk-based capital ratio | 11.4557% | 5,450 |
| Total risk-based capital ratio | 12.7077% | 5,407 |
| Memoranda: | ||
| Average total assets | $926,592,200 | 729 |
| Average earning assets | $873,629,200 | 693 |
| Average equity | $69,295,000 | 947 |
| Average total loans | $595,739,000 | 792 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3556% | 5,148 |
| Cost of funding earning assets | 1.7512% | 4,628 |
| Net interest margin | 3.6044% | 4,467 |
| Noninterest income to average assets | 0.5723% | 3,905 |
| Noninterest expense to average assets | 2.8426% | 4,712 |
| Loan and lease loss provision to assets | 0.3893% | 3,982 |
| Net operating income to assets | 0.5635% | 3,746 |
| Return on assets (ROA) | 0.8331% | 2,746 |
| Pretax return on assets | 1.1024% | 2,555 |
| Return on Equity (ROE) | 11.3027% | 1,540 |
| Retained earnings to average equity (ytd only) | 6.6931% | 1,636 |
| Net charge-offs to loans | 0.2503% | 4,487 |
| Credit loss provision to net charge-offs | 242.4242% | 1,799 |
| Earnings coverage of net charge-offs (x) | 7.0784% | 2,479 |
| Efficiency ratio | 71.1696% | 4,396 |
| Assets per employee ($millions) | 3.3433% | 5,275 |
| Cash dividends to net income (ytd only)* | 40.7833% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 3,267 |
| Loan loss allowance to noncurrent loans | 76.1976% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.3681% | 4,351 |
| Noncurrent loans to loans | 2.0105% | 3,628 |
| Net loans and leases to total assets | 64.2838% | 4,800 |
| Net loans and leases to deposits | 77.5834% | 4,805 |
| Net loans and leases to core deposits | 91.8941% | 5,242 |
| Total domestic deposits to total assets | 82.8577% | 4,296 |
| Equity capital to assets | 7.8006% | 7,041 |
| Core capital (leverage) ratio | 7.3065% | 7,182 |
| Tier 1 risk-based capital ratio | 11.0542% | 5,895 |
| Total risk-based capital ratio | 12.3073% | 5,851 |
| Memoranda: | ||
| Average total assets | $931,610,500 | 735 |
| Average earning assets | $880,568,250 | 700 |
| Average equity | $68,666,500 | 972 |
| Average total loans | $597,720,500 | 810 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3095% | 5,613 |
| Cost of funding earning assets | 1.8744% | 4,399 |
| Net interest margin | 3.4350% | 5,047 |
| Noninterest income to average assets | 0.5299% | 4,188 |
| Noninterest expense to average assets | 2.7731% | 5,078 |
| Loan and lease loss provision to assets | 0.4590% | 3,231 |
| Net operating income to assets | 0.4063% | 4,491 |
| Return on assets (ROA) | 0.6339% | 3,649 |
| Pretax return on assets | 0.8499% | 3,514 |
| Return on Equity (ROE) | 8.7664% | 2,440 |
| Retained earnings to average equity (ytd only) | 3.4428% | 3,402 |
| Net charge-offs to loans | 0.2932% | 3,724 |
| Credit loss provision to net charge-offs | 245.4338% | 1,894 |
| Earnings coverage of net charge-offs (x) | 5.3733% | 2,847 |
| Efficiency ratio | 73.1239% | 4,173 |
| Assets per employee ($millions) | 3.3644% | 5,147 |
| Cash dividends to net income (ytd only)* | 60.7275% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 3,445 |
| Loan loss allowance to noncurrent loans | 73.5519% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.3528% | 4,247 |
| Noncurrent loans to loans | 1.9762% | 3,558 |
| Net loans and leases to total assets | 64.0643% | 4,967 |
| Net loans and leases to deposits | 76.3376% | 5,112 |
| Net loans and leases to core deposits | 90.3382% | 5,504 |
| Total domestic deposits to total assets | 83.9223% | 3,813 |
| Equity capital to assets | 7.3216% | 7,402 |
| Core capital (leverage) ratio | 7.0547% | 7,498 |
| Tier 1 risk-based capital ratio | 10.2256% | 6,681 |
| Total risk-based capital ratio | 11.4546% | 6,636 |
| Memoranda: | ||
| Average total assets | $936,790,330 | 747 |
| Average earning assets | $885,815,330 | 711 |
| Average equity | $67,735,670 | 991 |
| Average total loans | $597,611,670 | 830 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3058% | 5,872 |
| Cost of funding earning assets | 2.0193% | 4,040 |
| Net interest margin | 3.2865% | 5,539 |
| Noninterest income to average assets | 0.4143% | 5,103 |
| Noninterest expense to average assets | 2.5684% | 5,577 |
| Loan and lease loss provision to assets | 0.5120% | 2,423 |
| Net operating income to assets | 0.3428% | 5,101 |
| Return on assets (ROA) | 0.5158% | 4,543 |
| Pretax return on assets | 0.6639% | 4,544 |
| Return on Equity (ROE) | 7.1789% | 3,514 |
| Retained earnings to average equity (ytd only) | 1.2529% | 5,138 |
| Net charge-offs to loans | 0.1843% | 3,529 |
| Credit loss provision to net charge-offs | 439.5604% | 1,201 |
| Earnings coverage of net charge-offs (x) | 8.1905% | 2,230 |
| Efficiency ratio | 72.6139% | 4,081 |
| Assets per employee ($millions) | 3.4059% | 5,058 |
| Cash dividends to net income (ytd only)* | 82.5476% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 3,429 |
| Loan loss allowance to noncurrent loans | 118.4901% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.7707% | 5,241 |
| Noncurrent loans to loans | 1.1927% | 4,586 |
| Net loans and leases to total assets | 62.3342% | 5,265 |
| Net loans and leases to deposits | 73.9539% | 5,483 |
| Net loans and leases to core deposits | 88.9343% | 5,655 |
| Total domestic deposits to total assets | 84.2878% | 3,564 |
| Equity capital to assets | 7.1279% | 7,609 |
| Core capital (leverage) ratio | 6.9860% | 7,644 |
| Tier 1 risk-based capital ratio | 9.7597% | 7,187 |
| Total risk-based capital ratio | 11.0101% | 7,099 |
| Memoranda: | ||
| Average total assets | $937,533,500 | 747 |
| Average earning assets | $886,653,500 | 711 |
| Average equity | $67,364,000 | 1,000 |
| Average total loans | $592,400,500 | 837 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7284% | 6,684 |
| Cost of funding earning assets | 2.4696% | 4,368 |
| Net interest margin | 3.2588% | 6,183 |
| Noninterest income to average assets | 0.6066% | 3,795 |
| Noninterest expense to average assets | 2.5678% | 5,758 |
| Loan and lease loss provision to assets | 0.1767% | 5,134 |
| Net operating income to assets | 0.6941% | 3,918 |
| Return on assets (ROA) | 0.7362% | 3,570 |
| Pretax return on assets | 0.9605% | 3,521 |
| Return on Equity (ROE) | 9.4505% | 2,457 |
| Retained earnings to average equity (ytd only) | 4.8513% | 2,111 |
| Net charge-offs to loans | 0.1873% | 4,328 |
| Credit loss provision to net charge-offs | 162.2481% | 3,185 |
| Earnings coverage of net charge-offs (x) | 9.9417% | 2,607 |
| Efficiency ratio | 69.9975% | 4,353 |
| Assets per employee ($millions) | 3.1350% | 5,666 |
| Cash dividends to net income (ytd only)* | 48.6669% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 3,817 |
| Loan loss allowance to noncurrent loans | 104.8953% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.7968% | 4,865 |
| Noncurrent loans to loans | 1.2348% | 4,046 |
| Net loans and leases to total assets | 62.3275% | 5,572 |
| Net loans and leases to deposits | 75.2620% | 5,690 |
| Net loans and leases to core deposits | 93.5528% | 5,488 |
| Total domestic deposits to total assets | 82.8141% | 3,849 |
| Equity capital to assets | 7.2441% | 7,597 |
| Core capital (leverage) ratio | 7.2805% | 7,438 |
| Tier 1 risk-based capital ratio | 10.1917% | 6,525 |
| Total risk-based capital ratio | 11.3920% | 6,449 |
| Memoranda: | ||
| Average total assets | $866,072,600 | 782 |
| Average earning assets | $808,879,600 | 756 |
| Average equity | $67,467,000 | 990 |
| Average total loans | $503,555,800 | 957 |