Home > Woodlands Bank > Performance and Condition Ratios
Woodlands Bank, Performance and Condition Ratios
| 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 | 4.6239% | 6,392 |
| Cost of funding earning assets | 2.2088% | 453 |
| Net interest margin | 2.4151% | 7,464 |
| Noninterest income to average assets | -0.2297% | 7,689 |
| Noninterest expense to average assets | 4.4178% | 637 |
| Loan and lease loss provision to assets | 3.4610% | 255 |
| Net operating income to assets | -5.8172% | 7,731 |
| Return on assets (ROA) | -5.8172% | 7,735 |
| Pretax return on assets | -5.8172% | 7,720 |
| Return on Equity (ROE) | -210.7791% | 7,805 |
| Retained earnings to average equity (ytd only) | -210.7791% | 7,805 |
| Net charge-offs to loans | 17.0208% | 8 |
| Credit loss provision to net charge-offs | 27.7482% | 5,767 |
| Earnings coverage of net charge-offs (x) | -0.1889% | 5,865 |
| Efficiency ratio | 132.7328% | 298 |
| Assets per employee ($millions) | 10.3460% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6972% | 7,257 |
| Loan loss allowance to noncurrent loans | 7.5931% | 7,289 |
| Noncurrent assets plus other real estate owned to assets | 9.8327% | 421 |
| Noncurrent loans to loans | 9.1819% | 514 |
| Net loans and leases to total assets | 68.5371% | 3,240 |
| Net loans and leases to deposits | 71.9178% | 5,008 |
| Net loans and leases to core deposits | 76.5877% | 5,128 |
| Total domestic deposits to total assets | 95.2991% | 41 |
| Equity capital to assets | 1.7440% | 7,798 |
| Core capital (leverage) ratio | 1.5253% | 7,794 |
| Tier 1 risk-based capital ratio | 2.0680% | 7,795 |
| Total risk-based capital ratio | 2.7218% | 7,809 |
| Memoranda: | ||
| Average total assets | $382,314,000 | 1,759 |
| Average earning assets | $362,724,330 | 1,694 |
| Average equity | $10,551,330 | 5,048 |
| Average total loans | $280,162,670 | 1,632 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4994% | 6,791 |
| Cost of funding earning assets | 2.2734% | 464 |
| Net interest margin | 2.2260% | 7,639 |
| Noninterest income to average assets | -0.1654% | 7,790 |
| Noninterest expense to average assets | 6.1444% | 206 |
| Loan and lease loss provision to assets | 5.1216% | 149 |
| Net operating income to assets | -9.3156% | 7,888 |
| Return on assets (ROA) | -9.3156% | 7,890 |
| Pretax return on assets | -9.3156% | 7,886 |
| Return on Equity (ROE) | -284.9868% | 7,903 |
| Retained earnings to average equity (ytd only) | -284.9868% | 7,903 |
| Net charge-offs to loans | 14.7566% | 22 |
| Credit loss provision to net charge-offs | 46.0207% | 4,541 |
| Earnings coverage of net charge-offs (x) | -0.3769% | 5,240 |
| Efficiency ratio | 142.5121% | 241 |
| Assets per employee ($millions) | 9.4042% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 6,594 |
| Loan loss allowance to noncurrent loans | 10.7959% | 7,317 |
| Noncurrent assets plus other real estate owned to assets | 9.4963% | 436 |
| Noncurrent loans to loans | 8.9951% | 537 |
| Net loans and leases to total assets | 73.2491% | 2,142 |
| Net loans and leases to deposits | 77.5437% | 4,119 |
| Net loans and leases to core deposits | 82.2738% | 4,444 |
| Total domestic deposits to total assets | 94.4618% | 60 |
| Equity capital to assets | 2.1613% | 7,883 |
| Core capital (leverage) ratio | 2.1402% | 7,878 |
| Tier 1 risk-based capital ratio | 2.7118% | 7,884 |
| Total risk-based capital ratio | 3.6221% | 7,892 |
| Memoranda: | ||
| Average total assets | $382,069,500 | 1,804 |
| Average earning assets | $363,156,000 | 1,731 |
| Average equity | $12,489,000 | 4,591 |
| Average total loans | $288,142,000 | 1,636 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7360% | 2,929 |
| Cost of funding earning assets | 2.8689% | 347 |
| Net interest margin | 2.8671% | 6,925 |
| Noninterest income to average assets | 0.0726% | 7,393 |
| Noninterest expense to average assets | 3.2974% | 3,016 |
| Loan and lease loss provision to assets | 2.5117% | 787 |
| Net operating income to assets | -3.0835% | 7,417 |
| Return on assets (ROA) | -3.0487% | 7,414 |
| Pretax return on assets | -3.0487% | 7,307 |
| Return on Equity (ROE) | -47.4095% | 7,658 |
| Retained earnings to average equity (ytd only) | -47.4095% | 7,650 |
| Net charge-offs to loans | 1.2548% | 1,970 |
| Credit loss provision to net charge-offs | 237.7937% | 1,515 |
| Earnings coverage of net charge-offs (x) | -0.5414% | 6,717 |
| Efficiency ratio | 120.3167% | 602 |
| Assets per employee ($millions) | 8.6216% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8318% | 901 |
| Loan loss allowance to noncurrent loans | 46.9567% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 6.4541% | 856 |
| Noncurrent loans to loans | 6.0307% | 1,041 |
| Net loans and leases to total assets | 74.6453% | 2,108 |
| Net loans and leases to deposits | 83.0534% | 3,437 |
| Net loans and leases to core deposits | 94.2371% | 4,650 |
| Total domestic deposits to total assets | 89.8763% | 1,025 |
| Equity capital to assets | 4.3426% | 7,830 |
| Core capital (leverage) ratio | 3.5683% | 7,869 |
| Tier 1 risk-based capital ratio | 4.8573% | 7,881 |
| Total risk-based capital ratio | 6.1072% | 7,884 |
| Memoranda: | ||
| Average total assets | $370,746,800 | 1,838 |
| Average earning assets | $343,061,400 | 1,821 |
| Average equity | $23,841,200 | 2,745 |
| Average total loans | $312,092,200 | 1,535 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9877% | 2,090 |
| Cost of funding earning assets | 3.0085% | 324 |
| Net interest margin | 2.9792% | 6,660 |
| Noninterest income to average assets | 0.0942% | 7,433 |
| Noninterest expense to average assets | 3.2859% | 2,971 |
| Loan and lease loss provision to assets | 1.9470% | 938 |
| Net operating income to assets | -2.4025% | 7,445 |
| Return on assets (ROA) | -2.4025% | 7,438 |
| Pretax return on assets | -2.4025% | 7,316 |
| Return on Equity (ROE) | -34.4039% | 7,690 |
| Retained earnings to average equity (ytd only) | -34.4039% | 7,683 |
| Net charge-offs to loans | 1.3700% | 1,500 |
| Credit loss provision to net charge-offs | 165.0015% | 2,853 |
| Earnings coverage of net charge-offs (x) | -0.3861% | 6,420 |
| Efficiency ratio | 115.3233% | 668 |
| Assets per employee ($millions) | 8.3426% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6690% | 2,734 |
| Loan loss allowance to noncurrent loans | 50.9645% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 3.6844% | 1,769 |
| Noncurrent loans to loans | 3.2748% | 2,312 |
| Net loans and leases to total assets | 80.8534% | 1,008 |
| Net loans and leases to deposits | 92.0647% | 2,219 |
| Net loans and leases to core deposits | 107.9050% | 3,480 |
| Total domestic deposits to total assets | 87.8224% | 1,739 |
| Equity capital to assets | 5.8058% | 7,889 |
| Core capital (leverage) ratio | 4.9526% | 7,923 |
| Tier 1 risk-based capital ratio | 6.3190% | 7,937 |
| Total risk-based capital ratio | 7.5666% | 7,943 |
| Memoranda: | ||
| Average total assets | $366,440,500 | 1,868 |
| Average earning assets | $336,548,500 | 1,862 |
| Average equity | $25,589,500 | 2,580 |
| Average total loans | $315,604,500 | 1,541 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1661% | 1,571 |
| Cost of funding earning assets | 3.0669% | 390 |
| Net interest margin | 3.0992% | 6,245 |
| Noninterest income to average assets | 0.1233% | 7,361 |
| Noninterest expense to average assets | 3.4844% | 2,386 |
| Loan and lease loss provision to assets | 0.5949% | 2,661 |
| Net operating income to assets | -1.1517% | 7,086 |
| Return on assets (ROA) | -1.1517% | 7,092 |
| Pretax return on assets | -1.1517% | 6,907 |
| Return on Equity (ROE) | -15.5880% | 7,360 |
| Retained earnings to average equity (ytd only) | -15.5880% | 7,273 |
| Net charge-offs to loans | 0.4209% | 3,116 |
| Credit loss provision to net charge-offs | 161.5845% | 2,844 |
| Earnings coverage of net charge-offs (x) | -1.5127% | 6,315 |
| Efficiency ratio | 118.2707% | 699 |
| Assets per employee ($millions) | 9.2500% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 5,801 |
| Loan loss allowance to noncurrent loans | 28.3441% | 6,606 |
| Noncurrent assets plus other real estate owned to assets | 3.8360% | 1,582 |
| Noncurrent loans to loans | 3.7664% | 1,828 |
| Net loans and leases to total assets | 84.4501% | 573 |
| Net loans and leases to deposits | 97.3217% | 1,624 |
| Net loans and leases to core deposits | 117.3980% | 2,600 |
| Total domestic deposits to total assets | 86.7742% | 2,366 |
| Equity capital to assets | 6.8984% | 7,661 |
| Core capital (leverage) ratio | 6.0946% | 7,899 |
| Tier 1 risk-based capital ratio | 7.5335% | 7,954 |
| Total risk-based capital ratio | 8.6697% | 7,980 |
| Memoranda: | ||
| Average total assets | $363,447,670 | 1,905 |
| Average earning assets | $328,862,330 | 1,921 |
| Average equity | $26,854,000 | 2,494 |
| Average total loans | $317,909,000 | 1,563 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2459% | 1,457 |
| Cost of funding earning assets | 3.1027% | 458 |
| Net interest margin | 3.1433% | 6,050 |
| Noninterest income to average assets | 0.0866% | 7,622 |
| Noninterest expense to average assets | 3.6417% | 1,773 |
| Loan and lease loss provision to assets | 0.9349% | 1,391 |
| Net operating income to assets | -1.6144% | 7,547 |
| Return on assets (ROA) | -1.6144% | 7,547 |
| Pretax return on assets | -1.6144% | 7,407 |
| Return on Equity (ROE) | -21.1029% | 7,778 |
| Retained earnings to average equity (ytd only) | -21.1029% | 7,678 |
| Net charge-offs to loans | 0.2184% | 3,331 |
| Credit loss provision to net charge-offs | 483.1395% | 1,116 |
| Earnings coverage of net charge-offs (x) | -3.5116% | 5,527 |
| Efficiency ratio | 122.1800% | 599 |
| Assets per employee ($millions) | 5.4949% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 5,163 |
| Loan loss allowance to noncurrent loans | 56.6121% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 2.3331% | 2,460 |
| Noncurrent loans to loans | 2.0215% | 3,233 |
| Net loans and leases to total assets | 89.5581% | 159 |
| Net loans and leases to deposits | 103.6872% | 1,030 |
| Net loans and leases to core deposits | 121.7975% | 2,270 |
| Total domestic deposits to total assets | 86.3734% | 2,510 |
| Equity capital to assets | 7.5105% | 7,348 |
| Core capital (leverage) ratio | 6.6556% | 7,817 |
| Tier 1 risk-based capital ratio | 7.7914% | 8,032 |
| Total risk-based capital ratio | 9.0163% | 8,056 |
| Memoranda: | ||
| Average total assets | $355,546,500 | 1,951 |
| Average earning assets | $325,268,000 | 1,946 |
| Average equity | $27,200,000 | 2,475 |
| Average total loans | $314,997,000 | 1,590 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7733% | 1,775 |
| Cost of funding earning assets | 3.5979% | 392 |
| Net interest margin | 3.1754% | 6,445 |
| Noninterest income to average assets | 0.3639% | 5,805 |
| Noninterest expense to average assets | 5.5246% | 495 |
| Loan and lease loss provision to assets | 0.8293% | 1,798 |
| Net operating income to assets | -3.0304% | 7,833 |
| Return on assets (ROA) | -2.9156% | 7,777 |
| Pretax return on assets | -2.9156% | 7,687 |
| Return on Equity (ROE) | -28.1768% | 7,928 |
| Retained earnings to average equity (ytd only) | -28.1768% | 7,877 |
| Net charge-offs to loans | 0.2630% | 3,650 |
| Credit loss provision to net charge-offs | 374.3590% | 1,178 |
| Earnings coverage of net charge-offs (x) | -9.9368% | 6,893 |
| Efficiency ratio | 165.3071% | 295 |
| Assets per employee ($millions) | 4.4801% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 6,119 |
| Loan loss allowance to noncurrent loans | 43.7168% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 2.3186% | 2,100 |
| Noncurrent loans to loans | 2.2724% | 2,429 |
| Net loans and leases to total assets | 85.7170% | 640 |
| Net loans and leases to deposits | 99.6554% | 1,875 |
| Net loans and leases to core deposits | 111.6351% | 3,602 |
| Total domestic deposits to total assets | 86.0134% | 2,394 |
| Equity capital to assets | 7.7912% | 7,105 |
| Core capital (leverage) ratio | 6.9284% | 7,740 |
| Tier 1 risk-based capital ratio | 8.4385% | 8,006 |
| Total risk-based capital ratio | 9.4959% | 8,084 |
| Memoranda: | ||
| Average total assets | $264,093,800 | 2,426 |
| Average earning assets | $246,141,400 | 2,399 |
| Average equity | $27,327,400 | 2,451 |
| Average total loans | $222,442,200 | 2,106 |