Home > Arkansas Bankers Bank > Performance and Condition Ratios
Arkansas Bankers Bank, Performance and Condition Ratios
| 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 | 3.6304% | 7,333 |
| Cost of funding earning assets | 0.7286% | 6,795 |
| Net interest margin | 2.9019% | 6,889 |
| Noninterest income to average assets | 2.7158% | 260 |
| Noninterest expense to average assets | 3.3629% | 2,547 |
| Loan and lease loss provision to assets | 0.3702% | 3,905 |
| Net operating income to assets | 1.3129% | 1,137 |
| Return on assets (ROA) | 1.4282% | 957 |
| Pretax return on assets | 1.7924% | 772 |
| Return on Equity (ROE) | 10.1265% | 1,877 |
| Retained earnings to average equity (ytd only) | 8.9645% | 711 |
| Net charge-offs to loans | -0.0899% | 7,494 |
| Credit loss provision to net charge-offs | -1,996.7742% | 7,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4917% | 5,634 |
| Assets per employee ($millions) | 6.8240% | 810 |
| Cash dividends to net income (ytd only)* | 11.4740% | 3,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2848% | 96 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 18.2095% | 7,537 |
| Net loans and leases to deposits | 27.2473% | 7,498 |
| Net loans and leases to core deposits | 27.2473% | 7,505 |
| Total domestic deposits to total assets | 66.8305% | 7,365 |
| Equity capital to assets | 14.5069% | 902 |
| Core capital (leverage) ratio | 13.5200% | 975 |
| Tier 1 risk-based capital ratio | 30.4281% | 493 |
| Total risk-based capital ratio | 31.6942% | 484 |
| Memoranda: | ||
| Average total assets | $167,205,600 | 3,589 |
| Average earning assets | $153,590,400 | 3,579 |
| Average equity | $23,581,800 | 2,692 |
| Average total loans | $34,485,200 | 6,183 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7238% | 7,436 |
| Cost of funding earning assets | 0.7463% | 6,927 |
| Net interest margin | 2.9775% | 6,874 |
| Noninterest income to average assets | 2.7497% | 244 |
| Noninterest expense to average assets | 3.4240% | 2,225 |
| Loan and lease loss provision to assets | 0.1706% | 5,338 |
| Net operating income to assets | 1.4651% | 988 |
| Return on assets (ROA) | 1.6184% | 788 |
| Pretax return on assets | 2.0920% | 515 |
| Return on Equity (ROE) | 11.5557% | 1,633 |
| Retained earnings to average equity (ytd only) | 10.0037% | 795 |
| Net charge-offs to loans | -0.1176% | 7,570 |
| Credit loss provision to net charge-offs | -693.5484% | 7,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3970% | 5,541 |
| Assets per employee ($millions) | 6.3828% | 1,027 |
| Cash dividends to net income (ytd only)* | 13.4312% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4331% | 263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 20.7323% | 7,617 |
| Net loans and leases to deposits | 31.1516% | 7,547 |
| Net loans and leases to core deposits | 31.1516% | 7,563 |
| Total domestic deposits to total assets | 66.5528% | 7,451 |
| Equity capital to assets | 14.8891% | 912 |
| Core capital (leverage) ratio | 13.4588% | 1,074 |
| Tier 1 risk-based capital ratio | 28.2517% | 612 |
| Total risk-based capital ratio | 29.5103% | 597 |
| Memoranda: | ||
| Average total assets | $168,062,750 | 3,619 |
| Average earning assets | $154,532,250 | 3,611 |
| Average equity | $23,537,500 | 2,743 |
| Average total loans | $35,150,750 | 6,231 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8057% | 7,480 |
| Cost of funding earning assets | 0.7877% | 6,955 |
| Net interest margin | 3.0180% | 6,793 |
| Noninterest income to average assets | 2.5515% | 266 |
| Noninterest expense to average assets | 3.2601% | 2,693 |
| Loan and lease loss provision to assets | 0.2548% | 4,383 |
| Net operating income to assets | 1.4034% | 1,089 |
| Return on assets (ROA) | 1.7195% | 624 |
| Pretax return on assets | 2.2161% | 396 |
| Return on Equity (ROE) | 12.5373% | 1,343 |
| Retained earnings to average equity (ytd only) | 12.5373% | 430 |
| Net charge-offs to loans | -0.1262% | 7,587 |
| Credit loss provision to net charge-offs | -977.2727% | 6,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2150% | 5,816 |
| Assets per employee ($millions) | 6.4472% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4903% | 257 |
| 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 | 0.0000% | 7,347 |
| Net loans and leases to total assets | 20.1376% | 7,689 |
| Net loans and leases to deposits | 29.8454% | 7,643 |
| Net loans and leases to core deposits | 29.8454% | 7,659 |
| Total domestic deposits to total assets | 67.4730% | 7,451 |
| Equity capital to assets | 14.1994% | 1,106 |
| Core capital (leverage) ratio | 11.7429% | 1,784 |
| Tier 1 risk-based capital ratio | 27.8901% | 638 |
| Total risk-based capital ratio | 29.1483% | 623 |
| Memoranda: | ||
| Average total assets | $168,765,670 | 3,618 |
| Average earning assets | $155,136,330 | 3,615 |
| Average equity | $23,147,000 | 2,776 |
| Average total loans | $34,867,000 | 6,292 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7764% | 7,598 |
| Cost of funding earning assets | 0.8004% | 7,087 |
| Net interest margin | 2.9760% | 6,886 |
| Noninterest income to average assets | 2.6598% | 236 |
| Noninterest expense to average assets | 3.2055% | 2,839 |
| Loan and lease loss provision to assets | 0.3661% | 3,172 |
| Net operating income to assets | 1.4347% | 1,010 |
| Return on assets (ROA) | 2.0244% | 360 |
| Pretax return on assets | 2.5748% | 225 |
| Return on Equity (ROE) | 15.0222% | 872 |
| Retained earnings to average equity (ytd only) | 15.0222% | 408 |
| Net charge-offs to loans | -0.2541% | 7,713 |
| Credit loss provision to net charge-offs | -704.5455% | 6,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3613% | 6,280 |
| Assets per employee ($millions) | 6.6253% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3023% | 290 |
| 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 | 19.7182% | 7,790 |
| Net loans and leases to deposits | 29.9770% | 7,730 |
| Net loans and leases to core deposits | 29.9770% | 7,746 |
| Total domestic deposits to total assets | 65.7779% | 7,623 |
| Equity capital to assets | 13.5164% | 1,319 |
| Core capital (leverage) ratio | 10.7208% | 2,441 |
| Tier 1 risk-based capital ratio | 29.6447% | 543 |
| Total risk-based capital ratio | 30.9037% | 524 |
| Memoranda: | ||
| Average total assets | $169,335,000 | 3,671 |
| Average earning assets | $155,914,500 | 3,650 |
| Average equity | $22,819,500 | 2,834 |
| Average total loans | $34,629,000 | 6,390 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9428% | 7,716 |
| Cost of funding earning assets | 0.7514% | 7,620 |
| Net interest margin | 3.1914% | 6,123 |
| Noninterest income to average assets | 1.8352% | 442 |
| Noninterest expense to average assets | 2.6449% | 5,614 |
| Loan and lease loss provision to assets | 0.8022% | 2,730 |
| Net operating income to assets | 1.0154% | 1,788 |
| Return on assets (ROA) | 1.1022% | 1,543 |
| Pretax return on assets | 1.4946% | 1,200 |
| Return on Equity (ROE) | 8.4211% | 2,229 |
| Retained earnings to average equity (ytd only) | 6.8806% | 1,008 |
| Net charge-offs to loans | 2.6003% | 872 |
| Credit loss provision to net charge-offs | 163.2563% | 2,689 |
| Earnings coverage of net charge-offs (x) | 4.4356% | 2,955 |
| Efficiency ratio | 54.8235% | 7,151 |
| Assets per employee ($millions) | 6.4005% | 1,026 |
| Cash dividends to net income (ytd only)* | 18.2933% | 3,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9982% | 362 |
| 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 | 19.4786% | 7,871 |
| Net loans and leases to deposits | 29.8626% | 7,814 |
| Net loans and leases to core deposits | 29.8626% | 7,863 |
| Total domestic deposits to total assets | 65.2275% | 7,667 |
| Equity capital to assets | 13.4340% | 1,352 |
| Core capital (leverage) ratio | 10.7696% | 2,370 |
| Tier 1 risk-based capital ratio | 27.9522% | 651 |
| Total risk-based capital ratio | 29.2087% | 629 |
| Memoranda: | ||
| Average total assets | $184,998,000 | 3,351 |
| Average earning assets | $173,275,800 | 3,303 |
| Average equity | $24,213,000 | 2,694 |
| Average total loans | $34,957,000 | 6,357 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9587% | 7,817 |
| Cost of funding earning assets | 0.7351% | 7,775 |
| Net interest margin | 3.2237% | 5,939 |
| Noninterest income to average assets | 1.7471% | 479 |
| Noninterest expense to average assets | 2.5563% | 5,874 |
| Loan and lease loss provision to assets | 0.7206% | 2,575 |
| Net operating income to assets | 1.0892% | 1,770 |
| Return on assets (ROA) | 1.1579% | 1,627 |
| Pretax return on assets | 1.5952% | 1,187 |
| Return on Equity (ROE) | 8.8987% | 2,307 |
| Retained earnings to average equity (ytd only) | 7.0887% | 1,468 |
| Net charge-offs to loans | 2.2691% | 836 |
| Credit loss provision to net charge-offs | 170.8333% | 2,726 |
| Earnings coverage of net charge-offs (x) | 5.2667% | 2,882 |
| Efficiency ratio | 53.5021% | 7,289 |
| Assets per employee ($millions) | 6.3436% | 1,060 |
| Cash dividends to net income (ytd only)* | 20.3402% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5416% | 400 |
| Loan loss allowance to noncurrent loans | 388.3495% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 7,060 |
| Noncurrent loans to loans | 0.9120% | 5,468 |
| Net loans and leases to total assets | 19.8159% | 7,951 |
| Net loans and leases to deposits | 30.7243% | 7,902 |
| Net loans and leases to core deposits | 30.7243% | 7,946 |
| Total domestic deposits to total assets | 64.4959% | 7,747 |
| Equity capital to assets | 13.7389% | 1,402 |
| Core capital (leverage) ratio | 11.7242% | 1,956 |
| Tier 1 risk-based capital ratio | 28.5002% | 654 |
| Total risk-based capital ratio | 29.7543% | 635 |
| Memoranda: | ||
| Average total assets | $189,644,250 | 3,315 |
| Average earning assets | $178,301,250 | 3,260 |
| Average equity | $24,677,250 | 2,660 |
| Average total loans | $35,255,000 | 6,393 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 7,903 |
| Cost of funding earning assets | 0.7108% | 7,912 |
| Net interest margin | 3.3068% | 5,528 |
| Noninterest income to average assets | 1.7101% | 502 |
| Noninterest expense to average assets | 2.4590% | 6,265 |
| Loan and lease loss provision to assets | 0.7328% | 2,236 |
| Net operating income to assets | 1.1403% | 1,628 |
| Return on assets (ROA) | 1.2351% | 1,470 |
| Pretax return on assets | 1.7758% | 884 |
| Return on Equity (ROE) | 9.6412% | 2,152 |
| Retained earnings to average equity (ytd only) | 9.1599% | 898 |
| Net charge-offs to loans | 3.3602% | 471 |
| Credit loss provision to net charge-offs | 120.8333% | 3,841 |
| Earnings coverage of net charge-offs (x) | 3.9133% | 3,276 |
| Efficiency ratio | 50.8889% | 7,604 |
| Assets per employee ($millions) | 6.6475% | 907 |
| Cash dividends to net income (ytd only)* | 4.9918% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6082% | 816 |
| Loan loss allowance to noncurrent loans | 211.7647% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 6,867 |
| Noncurrent loans to loans | 1.2316% | 4,747 |
| Net loans and leases to total assets | 19.4444% | 8,040 |
| Net loans and leases to deposits | 30.7270% | 7,985 |
| Net loans and leases to core deposits | 30.7270% | 8,030 |
| Total domestic deposits to total assets | 63.2814% | 7,855 |
| Equity capital to assets | 15.9423% | 840 |
| Core capital (leverage) ratio | 8.7350% | 5,036 |
| Tier 1 risk-based capital ratio | 36.0449% | 392 |
| Total risk-based capital ratio | 37.2461% | 391 |
| Memoranda: | ||
| Average total assets | $197,881,330 | 3,249 |
| Average earning assets | $186,826,670 | 3,183 |
| Average equity | $25,349,670 | 2,615 |
| Average total loans | $35,712,330 | 6,422 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0971% | 7,947 |
| Cost of funding earning assets | 0.6755% | 8,005 |
| Net interest margin | 3.4216% | 5,046 |
| Noninterest income to average assets | 1.5665% | 564 |
| Noninterest expense to average assets | 2.1292% | 7,053 |
| Loan and lease loss provision to assets | 0.6179% | 2,042 |
| Net operating income to assets | 1.3939% | 1,154 |
| Return on assets (ROA) | 1.5646% | 911 |
| Pretax return on assets | 2.3289% | 347 |
| Return on Equity (ROE) | 13.5767% | 1,250 |
| Retained earnings to average equity (ytd only) | 13.5767% | 555 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1640% | 7,919 |
| Assets per employee ($millions) | 9.1419% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0439% | 461 |
| Loan loss allowance to noncurrent loans | 103.9698% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.4451% | 6,161 |
| Noncurrent loans to loans | 2.9277% | 2,232 |
| Net loans and leases to total assets | 14.7411% | 8,133 |
| Net loans and leases to deposits | 20.1206% | 8,133 |
| Net loans and leases to core deposits | 20.1206% | 8,139 |
| Total domestic deposits to total assets | 73.2638% | 7,015 |
| Equity capital to assets | 11.5988% | 2,527 |
| Core capital (leverage) ratio | 7.3949% | 7,278 |
| Tier 1 risk-based capital ratio | 32.9560% | 495 |
| Total risk-based capital ratio | 34.2078% | 488 |
| Memoranda: | ||
| Average total assets | $210,404,000 | 3,110 |
| Average earning assets | $200,142,500 | 3,013 |
| Average equity | $24,247,500 | 2,737 |
| Average total loans | $36,315,000 | 6,427 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4341% | 8,288 |
| Cost of funding earning assets | 0.0867% | 8,264 |
| Net interest margin | 0.3474% | 8,276 |
| Noninterest income to average assets | 0.3029% | 6,277 |
| Noninterest expense to average assets | 0.3614% | 8,272 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1725% | 5,934 |
| Return on assets (ROA) | 0.1744% | 5,759 |
| Pretax return on assets | 0.2616% | 5,602 |
| Return on Equity (ROE) | 1.5623% | 5,750 |
| Retained earnings to average equity (ytd only) | 1.5623% | 4,282 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2794% | 6,648 |
| Assets per employee ($millions) | 7.0430% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1238% | 1,033 |
| 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 | 19.5048% | 8,157 |
| Net loans and leases to deposits | 28.2082% | 8,134 |
| Net loans and leases to core deposits | 28.2082% | 8,163 |
| Total domestic deposits to total assets | 69.1457% | 7,366 |
| Equity capital to assets | 11.4275% | 2,681 |
| Core capital (leverage) ratio | 5.5481% | 8,154 |
| Tier 1 risk-based capital ratio | 27.0917% | 822 |
| Total risk-based capital ratio | 28.1496% | 814 |
| Memoranda: | ||
| Average total assets | $174,319,800 | 3,488 |
| Average earning assets | $159,198,000 | 3,485 |
| Average equity | $19,458,200 | 3,312 |
| Average total loans | $31,554,000 | 6,626 |