Home > ARCUS Bank > Performance and Condition Ratios
ARCUS 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 | 2.4435% | 7,751 |
| Cost of funding earning assets | 0.3795% | 7,670 |
| Net interest margin | 2.0640% | 7,628 |
| Noninterest income to average assets | 0.0240% | 7,451 |
| Noninterest expense to average assets | 1.6377% | 7,542 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1699% | 5,663 |
| Return on assets (ROA) | 2.3711% | 184 |
| Pretax return on assets | 3.8393% | 77 |
| Return on Equity (ROE) | 9.4619% | 2,287 |
| Retained earnings to average equity (ytd only) | 9.4619% | 971 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3745% | 2,391 |
| Assets per employee ($millions) | 9.9890% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 5.7839% | 7,806 |
| Equity capital to assets | 90.3719% | 15 |
| Core capital (leverage) ratio | 18.8394% | 302 |
| Tier 1 risk-based capital ratio | 583.3441% | 5 |
| Total risk-based capital ratio | 583.3441% | 5 |
| Memoranda: | ||
| Average total assets | $141,536,000 | 4,112 |
| Average earning assets | $138,080,330 | 3,936 |
| Average equity | $35,468,670 | 1,881 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8538% | 7,880 |
| Cost of funding earning assets | 0.3051% | 7,816 |
| Net interest margin | 1.5488% | 7,825 |
| Noninterest income to average assets | 0.0146% | 7,612 |
| Noninterest expense to average assets | 1.4975% | 7,713 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0047% | 6,273 |
| Return on assets (ROA) | 0.2163% | 5,748 |
| Pretax return on assets | 0.3577% | 5,424 |
| Return on Equity (ROE) | 1.1835% | 6,069 |
| Retained earnings to average equity (ytd only) | 1.1835% | 5,344 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2265% | 912 |
| Assets per employee ($millions) | 39.1372% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 78.2304% | 6,260 |
| Equity capital to assets | 18.0340% | 420 |
| Core capital (leverage) ratio | 18.2269% | 363 |
| Tier 1 risk-based capital ratio | 49.8348% | 156 |
| Total risk-based capital ratio | 49.8348% | 164 |
| Memoranda: | ||
| Average total assets | $192,326,000 | 3,331 |
| Average earning assets | $187,502,000 | 3,155 |
| Average equity | $35,148,500 | 1,919 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7860% | 7,936 |
| Cost of funding earning assets | 0.2589% | 7,921 |
| Net interest margin | 1.5271% | 7,860 |
| Noninterest income to average assets | 0.0158% | 7,635 |
| Noninterest expense to average assets | 1.9052% | 7,497 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.2496% | 5,893 |
| Return on assets (ROA) | -0.1991% | 5,833 |
| Pretax return on assets | -0.3006% | 5,831 |
| Return on Equity (ROE) | -1.0463% | 5,696 |
| Retained earnings to average equity (ytd only) | -1.0463% | 5,273 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.6698% | 537 |
| Assets per employee ($millions) | 26.9951% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 80.7415% | 5,428 |
| Equity capital to assets | 18.5256% | 404 |
| Core capital (leverage) ratio | 18.1788% | 391 |
| Tier 1 risk-based capital ratio | 50.0618% | 163 |
| Total risk-based capital ratio | 50.0618% | 169 |
| Memoranda: | ||
| Average total assets | $183,285,600 | 3,381 |
| Average earning assets | $181,520,800 | 3,199 |
| Average equity | $34,886,400 | 1,927 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6816% | 8,043 |
| Cost of funding earning assets | 0.2219% | 8,025 |
| Net interest margin | 1.4598% | 7,953 |
| Noninterest income to average assets | 0.0161% | 7,785 |
| Noninterest expense to average assets | 1.8577% | 7,599 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.2381% | 6,122 |
| Return on assets (ROA) | -0.2119% | 6,094 |
| Pretax return on assets | -0.3534% | 6,147 |
| Return on Equity (ROE) | -1.1055% | 5,952 |
| Retained earnings to average equity (ytd only) | -1.1055% | 5,519 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.9539% | 507 |
| Assets per employee ($millions) | 27.1830% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 79.7452% | 5,547 |
| Equity capital to assets | 18.5962% | 458 |
| Core capital (leverage) ratio | 18.2540% | 436 |
| Tier 1 risk-based capital ratio | 51.2285% | 163 |
| Total risk-based capital ratio | 51.2285% | 169 |
| Memoranda: | ||
| Average total assets | $181,865,500 | 3,437 |
| Average earning assets | $180,295,750 | 3,234 |
| Average equity | $34,856,250 | 1,947 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5186% | 8,141 |
| Cost of funding earning assets | 0.1657% | 8,134 |
| Net interest margin | 1.3529% | 8,047 |
| Noninterest income to average assets | 0.0156% | 7,889 |
| Noninterest expense to average assets | 1.6911% | 7,843 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.2044% | 6,196 |
| Return on assets (ROA) | -0.2658% | 6,294 |
| Pretax return on assets | -0.4311% | 6,354 |
| Return on Equity (ROE) | -1.3725% | 6,126 |
| Retained earnings to average equity (ytd only) | -1.3725% | 5,585 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.7117% | 593 |
| Assets per employee ($millions) | 26.5864% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 81.0048% | 5,079 |
| Equity capital to assets | 18.6357% | 491 |
| Core capital (leverage) ratio | 18.5298% | 453 |
| Tier 1 risk-based capital ratio | 63.6791% | 120 |
| Total risk-based capital ratio | 63.6791% | 126 |
| Memoranda: | ||
| Average total assets | $179,060,330 | 3,498 |
| Average earning assets | $177,402,670 | 3,295 |
| Average equity | $34,680,000 | 1,955 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4692% | 8,204 |
| Cost of funding earning assets | 0.1150% | 8,195 |
| Net interest margin | 1.3543% | 8,097 |
| Noninterest income to average assets | 0.0137% | 8,007 |
| Noninterest expense to average assets | 1.5905% | 7,916 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.1481% | 6,479 |
| Return on assets (ROA) | -0.1481% | 6,581 |
| Pretax return on assets | -0.2347% | 6,610 |
| Return on Equity (ROE) | -0.7497% | 6,505 |
| Retained earnings to average equity (ytd only) | -0.7497% | 5,826 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.3109% | 674 |
| Assets per employee ($millions) | 26.5114% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 80.9812% | 4,980 |
| Equity capital to assets | 18.6459% | 528 |
| Core capital (leverage) ratio | 18.5085% | 500 |
| Tier 1 risk-based capital ratio | 76.9884% | 94 |
| Total risk-based capital ratio | 76.9884% | 96 |
| Memoranda: | ||
| Average total assets | $175,538,000 | 3,567 |
| Average earning assets | $173,969,000 | 3,365 |
| Average equity | $34,679,000 | 1,963 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4864% | 8,286 |
| Cost of funding earning assets | 0.0110% | 8,286 |
| Net interest margin | 0.4754% | 8,267 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 2.4044% | 6,373 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -1.1942% | 7,344 |
| Return on assets (ROA) | -1.1942% | 7,283 |
| Pretax return on assets | -1.9322% | 7,419 |
| Return on Equity (ROE) | -3.4078% | 6,675 |
| Retained earnings to average equity (ytd only) | -3.4078% | 6,209 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 509.2437% | 43 |
| Assets per employee ($millions) | 23.6423% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 60.4395% | 7,949 |
| Equity capital to assets | 21.0005% | 402 |
| Core capital (leverage) ratio | 46.5760% | 90 |
| Tier 1 risk-based capital ratio | 106.1987% | 75 |
| Total risk-based capital ratio | 106.1987% | 76 |
| Memoranda: | ||
| Average total assets | $100,816,500 | 5,021 |
| Average earning assets | $100,129,500 | 4,802 |
| Average equity | $35,331,000 | 1,911 |
| Average total loans | NA | NA |