Home > Woodforest Bank > Performance and Condition Ratios
Woodforest 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 | 3.4065% | 7,263 |
| Cost of funding earning assets | 0.3852% | 7,252 |
| Net interest margin | 3.0213% | 6,529 |
| Noninterest income to average assets | 42.0182% | 26 |
| Noninterest expense to average assets | 43.2939% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4261% | 4,819 |
| Return on assets (ROA) | 0.4261% | 4,912 |
| Pretax return on assets | 0.4261% | 5,255 |
| Return on Equity (ROE) | 3.9767% | 4,917 |
| Retained earnings to average equity (ytd only) | 3.9767% | 3,787 |
| Net charge-offs to loans | 0.0154% | 4,866 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 54.3333% | 542 |
| Efficiency ratio | 99.0254% | 785 |
| Assets per employee ($millions) | 0.2171% | 7,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 6,312 |
| Loan loss allowance to noncurrent loans | 4,009.5238% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 7,164 |
| Noncurrent loans to loans | 0.0254% | 6,997 |
| Net loans and leases to total assets | 47.7779% | 6,107 |
| Net loans and leases to deposits | 68.2772% | 4,635 |
| Net loans and leases to core deposits | 69.2073% | 5,142 |
| Total domestic deposits to total assets | 69.9764% | 7,179 |
| Equity capital to assets | 9.6330% | 4,274 |
| Core capital (leverage) ratio | 8.3380% | 5,734 |
| Tier 1 risk-based capital ratio | 13.7040% | 4,278 |
| Total risk-based capital ratio | 14.5245% | 4,575 |
| Memoranda: | ||
| Average total assets | $153,010,000 | 3,832 |
| Average earning assets | $86,187,000 | 5,156 |
| Average equity | $16,395,500 | 3,655 |
| Average total loans | $77,753,500 | 4,335 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 6,909 |
| Cost of funding earning assets | 0.4715% | 7,341 |
| Net interest margin | 3.7368% | 4,197 |
| Noninterest income to average assets | 47.7053% | 25 |
| Noninterest expense to average assets | 63.3632% | 17 |
| Loan and lease loss provision to assets | -0.0288% | 7,582 |
| Net operating income to assets | -13.6604% | 7,650 |
| Return on assets (ROA) | -13.8473% | 7,650 |
| Pretax return on assets | -13.8473% | 7,649 |
| Return on Equity (ROE) | -121.1973% | 7,615 |
| Retained earnings to average equity (ytd only) | -121.1973% | 7,615 |
| Net charge-offs to loans | -0.8255% | 7,598 |
| Credit loss provision to net charge-offs | 7.1146% | 6,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.5580% | 336 |
| Assets per employee ($millions) | 0.1741% | 7,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 5,697 |
| Loan loss allowance to noncurrent loans | 4,023.8095% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 7,208 |
| Noncurrent loans to loans | 0.0288% | 7,062 |
| Net loans and leases to total assets | 53.4174% | 5,712 |
| Net loans and leases to deposits | 87.2801% | 1,895 |
| Net loans and leases to core deposits | 89.0110% | 2,899 |
| Total domestic deposits to total assets | 61.2023% | 7,493 |
| Equity capital to assets | 12.0875% | 1,858 |
| Core capital (leverage) ratio | 10.4922% | 2,567 |
| Tier 1 risk-based capital ratio | 15.4571% | 3,014 |
| Total risk-based capital ratio | 16.3964% | 3,118 |
| Memoranda: | ||
| Average total assets | $125,208,400 | 4,372 |
| Average earning assets | $65,965,800 | 5,800 |
| Average equity | $14,305,600 | 4,069 |
| Average total loans | $61,295,000 | 5,015 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3233% | 6,934 |
| Cost of funding earning assets | 0.4632% | 7,500 |
| Net interest margin | 3.8601% | 3,711 |
| Noninterest income to average assets | 49.2704% | 25 |
| Noninterest expense to average assets | 70.2230% | 16 |
| Loan and lease loss provision to assets | -0.1857% | 7,716 |
| Net operating income to assets | -18.7851% | 7,757 |
| Return on assets (ROA) | -19.0392% | 7,757 |
| Pretax return on assets | -19.0392% | 7,756 |
| Return on Equity (ROE) | -169.3350% | 7,738 |
| Retained earnings to average equity (ytd only) | -169.3350% | 7,738 |
| Net charge-offs to loans | -1.1441% | 7,704 |
| Credit loss provision to net charge-offs | 34.1317% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.0145% | 263 |
| Assets per employee ($millions) | 0.1836% | 7,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 6,498 |
| Loan loss allowance to noncurrent loans | 3,357.1429% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 7,330 |
| Noncurrent loans to loans | 0.0291% | 7,185 |
| Net loans and leases to total assets | 50.6433% | 6,255 |
| Net loans and leases to deposits | 81.9289% | 3,122 |
| Net loans and leases to core deposits | 83.4605% | 4,031 |
| Total domestic deposits to total assets | 61.8138% | 7,564 |
| Equity capital to assets | 11.4261% | 2,585 |
| Core capital (leverage) ratio | 9.8798% | 3,383 |
| Tier 1 risk-based capital ratio | 15.2531% | 3,126 |
| Total risk-based capital ratio | 16.0373% | 3,332 |
| Memoranda: | ||
| Average total assets | $122,775,250 | 4,482 |
| Average earning assets | $63,036,500 | 5,953 |
| Average equity | $13,804,250 | 4,249 |
| Average total loans | $58,387,000 | 5,210 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4326% | 6,832 |
| Cost of funding earning assets | 0.4367% | 7,626 |
| Net interest margin | 3.9959% | 3,034 |
| Noninterest income to average assets | 52.6123% | 23 |
| Noninterest expense to average assets | 83.1988% | 14 |
| Loan and lease loss provision to assets | -0.3498% | 7,799 |
| Net operating income to assets | -28.2594% | 7,828 |
| Return on assets (ROA) | -28.6607% | 7,828 |
| Pretax return on assets | -28.6607% | 7,828 |
| Return on Equity (ROE) | -256.5902% | 7,814 |
| Retained earnings to average equity (ytd only) | -256.5902% | 7,814 |
| Net charge-offs to loans | -1.7257% | 7,771 |
| Credit loss provision to net charge-offs | 43.9655% | 5,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.4079% | 196 |
| Assets per employee ($millions) | 0.1586% | 7,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 6,309 |
| Loan loss allowance to noncurrent loans | 3,023.8095% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 7,369 |
| Noncurrent loans to loans | 0.0338% | 7,236 |
| Net loans and leases to total assets | 49.1762% | 6,529 |
| Net loans and leases to deposits | 71.8222% | 5,020 |
| Net loans and leases to core deposits | 72.5401% | 5,616 |
| Total domestic deposits to total assets | 68.4693% | 7,408 |
| Equity capital to assets | 10.3477% | 3,587 |
| Core capital (leverage) ratio | 8.5725% | 5,290 |
| Tier 1 risk-based capital ratio | 13.3234% | 4,187 |
| Total risk-based capital ratio | 14.1276% | 4,501 |
| Memoranda: | ||
| Average total assets | $116,626,670 | 4,641 |
| Average earning assets | $57,708,670 | 6,182 |
| Average equity | $13,027,000 | 4,435 |
| Average total loans | $53,774,670 | 5,437 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 6,771 |
| Cost of funding earning assets | 0.4920% | 7,682 |
| Net interest margin | 4.0184% | 2,796 |
| Noninterest income to average assets | 50.5562% | 24 |
| Noninterest expense to average assets | 58.8149% | 19 |
| Loan and lease loss provision to assets | -0.7974% | 7,913 |
| Net operating income to assets | -5.5426% | 7,805 |
| Return on assets (ROA) | -5.5426% | 7,808 |
| Pretax return on assets | -5.5426% | 7,790 |
| Return on Equity (ROE) | -47.6675% | 7,703 |
| Retained earnings to average equity (ytd only) | -47.6675% | 7,692 |
| Net charge-offs to loans | -2.8725% | 7,873 |
| Credit loss provision to net charge-offs | 62.9213% | 4,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.0819% | 556 |
| Assets per employee ($millions) | 0.1613% | 7,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7473% | 7,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 48.4893% | 6,622 |
| Net loans and leases to deposits | 60.1366% | 6,453 |
| Net loans and leases to core deposits | 60.5944% | 6,702 |
| Total domestic deposits to total assets | 80.6319% | 5,578 |
| Equity capital to assets | 9.5667% | 4,430 |
| Core capital (leverage) ratio | 7.9629% | 6,289 |
| Tier 1 risk-based capital ratio | 12.5664% | 4,677 |
| Total risk-based capital ratio | 13.1527% | 5,248 |
| Memoranda: | ||
| Average total assets | $112,366,000 | 4,811 |
| Average earning assets | $53,653,500 | 6,406 |
| Average equity | $13,065,500 | 4,461 |
| Average total loans | $49,573,000 | 5,687 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1565% | 5,844 |
| Cost of funding earning assets | 1.5541% | 5,261 |
| Net interest margin | 3.6024% | 4,542 |
| Noninterest income to average assets | 60.2589% | 20 |
| Noninterest expense to average assets | 60.0479% | 20 |
| Loan and lease loss provision to assets | 0.7690% | 2,803 |
| Net operating income to assets | 0.9800% | 1,907 |
| Return on assets (ROA) | 0.9800% | 1,961 |
| Pretax return on assets | 0.9800% | 2,659 |
| Return on Equity (ROE) | 6.7225% | 2,901 |
| Retained earnings to average equity (ytd only) | 6.7225% | 1,059 |
| Net charge-offs to loans | 1.7149% | 1,468 |
| Credit loss provision to net charge-offs | 119.3294% | 4,497 |
| Earnings coverage of net charge-offs (x) | 2.7140% | 3,743 |
| Efficiency ratio | 97.1698% | 1,262 |
| Assets per employee ($millions) | 0.1021% | 7,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 5,373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 36.0181% | 7,519 |
| Net loans and leases to deposits | 51.1767% | 7,193 |
| Net loans and leases to core deposits | 55.4205% | 7,423 |
| Total domestic deposits to total assets | 70.3799% | 7,387 |
| Equity capital to assets | 14.9614% | 920 |
| Core capital (leverage) ratio | 12.4907% | 1,463 |
| Tier 1 risk-based capital ratio | 20.3770% | 1,396 |
| Total risk-based capital ratio | 21.1103% | 1,447 |
| Memoranda: | ||
| Average total assets | $78,673,800 | 5,763 |
| Average earning assets | $33,588,800 | 7,206 |
| Average equity | $11,469,000 | 4,890 |
| Average total loans | $29,563,800 | 6,653 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2512% | 5,677 |
| Cost of funding earning assets | 1.7290% | 4,746 |
| Net interest margin | 3.5222% | 4,769 |
| Noninterest income to average assets | 58.4178% | 21 |
| Noninterest expense to average assets | 56.7494% | 20 |
| Loan and lease loss provision to assets | 1.5834% | 1,196 |
| Net operating income to assets | 1.6077% | 656 |
| Return on assets (ROA) | 1.6077% | 706 |
| Pretax return on assets | 1.6077% | 1,158 |
| Return on Equity (ROE) | 11.1098% | 1,591 |
| Retained earnings to average equity (ytd only) | 11.1098% | 458 |
| Net charge-offs to loans | 3.7303% | 390 |
| Credit loss provision to net charge-offs | 112.0245% | 4,534 |
| Earnings coverage of net charge-offs (x) | 2.2577% | 4,128 |
| Efficiency ratio | 94.6762% | 1,358 |
| Assets per employee ($millions) | 0.1148% | 8,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 5,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 36.3447% | 7,609 |
| Net loans and leases to deposits | 49.9079% | 7,414 |
| Net loans and leases to core deposits | 56.9118% | 7,513 |
| Total domestic deposits to total assets | 72.8236% | 7,105 |
| Equity capital to assets | 14.3701% | 1,180 |
| Core capital (leverage) ratio | 11.8084% | 1,900 |
| Tier 1 risk-based capital ratio | 20.6331% | 1,433 |
| Total risk-based capital ratio | 21.4418% | 1,474 |
| Memoranda: | ||
| Average total assets | $76,878,750 | 5,851 |
| Average earning assets | $33,235,750 | 7,279 |
| Average equity | $11,125,000 | 5,040 |
| Average total loans | $29,130,250 | 6,735 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3666% | 5,317 |
| Cost of funding earning assets | 1.8872% | 4,332 |
| Net interest margin | 3.4794% | 4,897 |
| Noninterest income to average assets | 55.7332% | 21 |
| Noninterest expense to average assets | 54.3514% | 20 |
| Loan and lease loss provision to assets | 0.2651% | 4,459 |
| Net operating income to assets | 2.6323% | 88 |
| Return on assets (ROA) | 2.6323% | 99 |
| Pretax return on assets | 2.6323% | 166 |
| Return on Equity (ROE) | 18.1432% | 482 |
| Retained earnings to average equity (ytd only) | 18.1432% | 102 |
| Net charge-offs to loans | 0.0070% | 6,495 |
| Credit loss provision to net charge-offs | 9,900.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,082.0000% | 25 |
| Efficiency ratio | 94.9390% | 1,446 |
| Assets per employee ($millions) | 0.1281% | 8,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 4,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 37.2528% | 7,668 |
| Net loans and leases to deposits | 56.3304% | 7,144 |
| Net loans and leases to core deposits | 69.5213% | 7,048 |
| Total domestic deposits to total assets | 66.1326% | 7,732 |
| Equity capital to assets | 15.3168% | 967 |
| Core capital (leverage) ratio | 12.6283% | 1,569 |
| Tier 1 risk-based capital ratio | 19.9925% | 1,585 |
| Total risk-based capital ratio | 20.7727% | 1,629 |
| Memoranda: | ||
| Average total assets | $74,688,000 | 5,960 |
| Average earning assets | $32,534,330 | 7,376 |
| Average equity | $10,836,000 | 5,127 |
| Average total loans | $28,605,330 | 6,813 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5093% | 4,862 |
| Cost of funding earning assets | 1.9748% | 4,263 |
| Net interest margin | 3.5345% | 4,592 |
| Noninterest income to average assets | 51.6115% | 23 |
| Noninterest expense to average assets | 50.5617% | 26 |
| Loan and lease loss provision to assets | 0.4892% | 2,522 |
| Net operating income to assets | 2.1051% | 281 |
| Return on assets (ROA) | 2.1051% | 327 |
| Pretax return on assets | 2.1051% | 535 |
| Return on Equity (ROE) | 14.9595% | 982 |
| Retained earnings to average equity (ytd only) | 14.9595% | 421 |
| Net charge-offs to loans | 0.0142% | 5,391 |
| Credit loss provision to net charge-offs | 8,900.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 472.0000% | 65 |
| Efficiency ratio | 95.1194% | 1,373 |
| Assets per employee ($millions) | 0.1467% | 8,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 5,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 39.0915% | 7,611 |
| Net loans and leases to deposits | 55.2982% | 7,204 |
| Net loans and leases to core deposits | 66.4718% | 7,220 |
| Total domestic deposits to total assets | 70.6922% | 7,366 |
| Equity capital to assets | 12.9271% | 1,782 |
| Core capital (leverage) ratio | 10.5484% | 2,874 |
| Tier 1 risk-based capital ratio | 17.1672% | 2,290 |
| Total risk-based capital ratio | 17.9248% | 2,382 |
| Memoranda: | ||
| Average total assets | $72,774,500 | 6,037 |
| Average earning assets | $31,801,000 | 7,448 |
| Average equity | $10,241,000 | 5,312 |
| Average total loans | $28,096,000 | 6,877 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7713% | 7,950 |
| Cost of funding earning assets | 2.6838% | 3,240 |
| Net interest margin | 2.0874% | 8,023 |
| Noninterest income to average assets | 33.6851% | 37 |
| Noninterest expense to average assets | 44.9260% | 29 |
| Loan and lease loss provision to assets | 0.5164% | 2,742 |
| Net operating income to assets | -10.7714% | 8,262 |
| Return on assets (ROA) | -10.7714% | 8,261 |
| Pretax return on assets | -10.7714% | 8,251 |
| Return on Equity (ROE) | -46.2293% | 8,133 |
| Retained earnings to average equity (ytd only) | -46.2293% | 8,109 |
| Net charge-offs to loans | 0.0320% | 6,373 |
| Credit loss provision to net charge-offs | 4,400.0000% | 113 |
| Earnings coverage of net charge-offs (x) | -873.8000% | 7,034 |
| Efficiency ratio | 129.5782% | 469 |
| Assets per employee ($millions) | 0.1274% | 8,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 5,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 37.0202% | 7,795 |
| Net loans and leases to deposits | 54.6628% | 7,401 |
| Net loans and leases to core deposits | 69.5413% | 7,220 |
| Total domestic deposits to total assets | 67.7247% | 7,497 |
| Equity capital to assets | 15.4915% | 1,048 |
| Core capital (leverage) ratio | 12.5573% | 1,725 |
| Tier 1 risk-based capital ratio | 21.6983% | 1,355 |
| Total risk-based capital ratio | 22.4576% | 1,401 |
| Memoranda: | ||
| Average total assets | $42,603,400 | 7,094 |
| Average earning assets | $20,120,400 | 7,934 |
| Average equity | $9,926,600 | 5,434 |
| Average total loans | $15,613,600 | 7,611 |