Learning Center
Plans & pricing Sign in
Sign Out

Washington Mutual Bank Statement - Excel


Washington Mutual Bank Statement document sample

More Info

                        Company name               Symbol          Year                                                                                          version 3g
                                                                                              Expected   Actual
                   Washington Mutual WM 2001                                                   Value     Value             Millions
                                                                                                                                         Income Statement
  Efficiency Ratio (A lower number is best)                                                    <60%       48.6% 1              15,065    Total Interest Income
      [Compares Non-Interest expenses to Total Income (Interest and non-interest income)]                         2             8,189    Total Interest Expense
                                                                                                                  3             6,876    Net Interest Income before Loan Losses
  ROA (Return on Average Assets)                                                               >1%        1.42% 4                 575    Cur. Yr. Provision for Loan Losses
      [Net Income / Average Total Assets]                                                                                         185    Prior Yr. Provision for Loan Losses
                                                                                                                  5             2,627    Total Noninterest Income
  ROE (Return on Average Equity)                                                               >15%       25.7% 6               4,617    Total Noninterest Expenses
      [Net Income / Avg. Shareholders' Equity]                                                                    7             3,114    Net Income
                                                                                                                                         Consolidated Balance Sheet
  Capital Adequacy (Capital Ratio)                                                            >8-10%       5.8% 8            156,833     Cur. Yr. Total Investment Loans
      [Total Stockholders Equity / Total Assets]                                                                             123,030     Prior Yr. Total Investment Loans
                                                                                                                  9          242,506     Cur. Yr. Total Assets
  Provision for Loan Losses as a % of Total Loans                                Curr. Yr.     <1%        0.37%              194,716     Prior Yr. Total Assets
      [Provision for Loan Losses / Total Investment loans]                        Prior Yr.               0.15% 10            14,063     Cur. Yr. Total stockholders' equity
      Caution, trend is up. Is this industry wide or bank specific?                                                           10,166     Prior Yr. Total stockholders' equity
                                                                                                                                         Key Financial Ratios or Selected Financial Data
  Loans -- change from prior year                                                                         27.5% 11               3.32 Net Interest margin
  Loan Loss Provision -- change from prior year                                                          210.8% 12               3.13 Net Interest Rate Spread
      Caution - Loan Loss Provision is growing faster than Loans                                                  13             0.98 Nonperforming assets as a % of total assets
      Loan Loss Provision can be growing, but should grow no faster than Loans
                                                                                                                       NOTE 1: The 3 items above may not be reported. If not, it is wise
  Net Interest Margin                                                                          >5%        3.32%        to contact investors Relations to determine the values. These
      Net interest margin is a guide to the profitability of a companies investments.                                  items sometimes are listed in the Qtr. Rpt rather than the Annual
                                                                                                                       Rpt. They are also sometimes listed in the "Notes" area.
                                                                                                                       SUGGESTION: To find these data, open the Annual Report from
  Interest Rate Spread                                                                         >3%        3.13%        the company Web Site and use the "Find" (Ctrl+F) function.
      The difference between what is received in interest and what is paid in interest.                                Example use "margin" or "spread" as search criteria.
                                                                                                                                         Type of Loans & Percentage held
  Nonperforming assets as a percent of total assets                                             <1        0.98%                   58.0   1-4 Family home Mortgages.+MBS (Least risk)
      [Nonperforming Assets / Total Assets]                                                                                        9.0   Commercial Real Estate Loans (Medium risk)
                                                                                                                                   2.6   Construction Loans (Most risk)
  Types of loans -- Risk based upon the type of loans made.                                   >33%          40%                    0.0   Commercial and Industrial loans (Medium risk)
      Risk for this company appears to be low - Home loans represent a high % of the total.                                        2.9   Consumer Loans (Medium risk)

                                                                                    Click here to go to the            NOTE 2: The above 5 items can most easily be found by going to
                                                                                 Bankrate Site. (Click on "Go"
                                                                                    and select your bank)              Find your bank and select "Financial Statement". If your bank is
                                                                                                                       not found there, contact Investor Relations for the data.

To top