Home > Bank of Arkansas, National Asssociation > Performance and Condition Ratios
Bank of Arkansas, National Asssociation, 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 | 4.4902% | 6,423 |
| Cost of funding earning assets | 0.9091% | 6,138 |
| Net interest margin | 3.5812% | 4,904 |
| Noninterest income to average assets | 1.3557% | 798 |
| Noninterest expense to average assets | 2.8118% | 4,555 |
| Loan and lease loss provision to assets | 1.1446% | 1,391 |
| Net operating income to assets | 0.4000% | 4,538 |
| Return on assets (ROA) | 0.4003% | 4,675 |
| Pretax return on assets | 0.6933% | 3,999 |
| Return on Equity (ROE) | 3.0237% | 4,945 |
| Retained earnings to average equity (ytd only) | 3.0237% | 3,729 |
| Net charge-offs to loans | 2.2576% | 858 |
| Credit loss provision to net charge-offs | 74.7841% | 5,743 |
| Earnings coverage of net charge-offs (x) | 1.2006% | 4,907 |
| Efficiency ratio | 60.4776% | 5,972 |
| Assets per employee ($millions) | 9.4673% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0371% | 843 |
| Loan loss allowance to noncurrent loans | 96.5075% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 2.6554% | 2,621 |
| Noncurrent loans to loans | 3.1471% | 2,420 |
| Net loans and leases to total assets | 51.5608% | 5,982 |
| Net loans and leases to deposits | 59.2438% | 6,132 |
| Net loans and leases to core deposits | 64.3295% | 6,025 |
| Total domestic deposits to total assets | 87.0315% | 2,801 |
| Equity capital to assets | 12.4952% | 1,637 |
| Core capital (leverage) ratio | 11.9111% | 1,612 |
| Tier 1 risk-based capital ratio | 16.9197% | 2,371 |
| Total risk-based capital ratio | 18.1811% | 2,342 |
| Memoranda: | ||
| Average total assets | $264,815,400 | 2,405 |
| Average earning assets | $243,550,800 | 2,399 |
| Average equity | $35,056,000 | 1,892 |
| Average total loans | $179,528,000 | 2,362 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7433% | 5,879 |
| Cost of funding earning assets | 0.9223% | 6,297 |
| Net interest margin | 3.8211% | 3,879 |
| Noninterest income to average assets | 1.3922% | 701 |
| Noninterest expense to average assets | 3.0639% | 3,522 |
| Loan and lease loss provision to assets | 1.1963% | 1,197 |
| Net operating income to assets | 0.4027% | 4,738 |
| Return on assets (ROA) | 0.4030% | 4,913 |
| Pretax return on assets | 0.6507% | 4,420 |
| Return on Equity (ROE) | 2.9987% | 5,224 |
| Retained earnings to average equity (ytd only) | 2.9987% | 4,336 |
| Net charge-offs to loans | 2.4473% | 694 |
| Credit loss provision to net charge-offs | 68.0969% | 5,474 |
| Earnings coverage of net charge-offs (x) | 1.0511% | 5,008 |
| Efficiency ratio | 62.3956% | 5,542 |
| Assets per employee ($millions) | 10.3184% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7345% | 1,053 |
| Loan loss allowance to noncurrent loans | 71.4105% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 2.9562% | 2,452 |
| Noncurrent loans to loans | 3.8293% | 2,003 |
| Net loans and leases to total assets | 51.8914% | 6,116 |
| Net loans and leases to deposits | 58.7340% | 6,406 |
| Net loans and leases to core deposits | 63.8430% | 6,309 |
| Total domestic deposits to total assets | 88.3499% | 1,762 |
| Equity capital to assets | 11.3729% | 2,628 |
| Core capital (leverage) ratio | 11.7509% | 1,790 |
| Tier 1 risk-based capital ratio | 15.4863% | 3,004 |
| Total risk-based capital ratio | 16.7456% | 2,970 |
| Memoranda: | ||
| Average total assets | $260,014,250 | 2,492 |
| Average earning assets | $239,403,000 | 2,473 |
| Average equity | $34,947,750 | 1,918 |
| Average total loans | $186,652,500 | 2,313 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2652% | 3,623 |
| Cost of funding earning assets | 0.9622% | 6,327 |
| Net interest margin | 4.3030% | 1,765 |
| Noninterest income to average assets | 1.1417% | 1,001 |
| Noninterest expense to average assets | 3.0004% | 3,711 |
| Loan and lease loss provision to assets | 1.1630% | 1,223 |
| Net operating income to assets | 0.5596% | 4,039 |
| Return on assets (ROA) | 0.5602% | 4,184 |
| Pretax return on assets | 0.9166% | 3,428 |
| Return on Equity (ROE) | 3.9126% | 4,818 |
| Retained earnings to average equity (ytd only) | 3.9126% | 3,599 |
| Net charge-offs to loans | 2.9749% | 535 |
| Credit loss provision to net charge-offs | 49.1155% | 5,442 |
| Earnings coverage of net charge-offs (x) | 0.8779% | 4,891 |
| Efficiency ratio | 59.0718% | 6,206 |
| Assets per employee ($millions) | 9.3218% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3241% | 1,547 |
| Loan loss allowance to noncurrent loans | 63.2656% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 3.5322% | 1,985 |
| Noncurrent loans to loans | 3.6735% | 2,133 |
| Net loans and leases to total assets | 62.2474% | 4,633 |
| Net loans and leases to deposits | 71.3865% | 5,092 |
| Net loans and leases to core deposits | 78.5299% | 4,863 |
| Total domestic deposits to total assets | 87.1978% | 2,432 |
| Equity capital to assets | 12.5487% | 1,766 |
| Core capital (leverage) ratio | 14.5608% | 805 |
| Tier 1 risk-based capital ratio | 15.8602% | 2,732 |
| Total risk-based capital ratio | 17.1178% | 2,696 |
| Memoranda: | ||
| Average total assets | $243,501,670 | 2,672 |
| Average earning assets | $222,820,330 | 2,652 |
| Average equity | $34,862,000 | 1,916 |
| Average total loans | $193,821,000 | 2,278 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1477% | 711 |
| Cost of funding earning assets | 1.0403% | 6,171 |
| Net interest margin | 5.1074% | 344 |
| Noninterest income to average assets | 1.4976% | 534 |
| Noninterest expense to average assets | 2.9686% | 3,787 |
| Loan and lease loss provision to assets | 0.8890% | 1,427 |
| Net operating income to assets | 1.3894% | 1,096 |
| Return on assets (ROA) | 1.3894% | 1,172 |
| Pretax return on assets | 2.2748% | 368 |
| Return on Equity (ROE) | 9.0139% | 2,493 |
| Retained earnings to average equity (ytd only) | 9.0139% | 1,399 |
| Net charge-offs to loans | 2.5017% | 654 |
| Credit loss provision to net charge-offs | 39.7304% | 4,648 |
| Earnings coverage of net charge-offs (x) | 1.4140% | 3,898 |
| Efficiency ratio | 48.4086% | 7,412 |
| Assets per employee ($millions) | 7.6837% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4996% | 1,294 |
| Loan loss allowance to noncurrent loans | 54.1606% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 5.0631% | 1,261 |
| Noncurrent loans to loans | 4.6152% | 1,611 |
| Net loans and leases to total assets | 84.8816% | 300 |
| Net loans and leases to deposits | 101.5337% | 665 |
| Net loans and leases to core deposits | 111.9821% | 1,167 |
| Total domestic deposits to total assets | 83.5995% | 4,344 |
| Equity capital to assets | 15.7790% | 707 |
| Core capital (leverage) ratio | 14.4854% | 856 |
| Tier 1 risk-based capital ratio | 16.3256% | 2,516 |
| Total risk-based capital ratio | 17.5882% | 2,474 |
| Memoranda: | ||
| Average total assets | $225,425,000 | 2,926 |
| Average earning assets | $204,565,000 | 2,933 |
| Average equity | $34,746,500 | 1,938 |
| Average total loans | $201,621,500 | 2,262 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7453% | 2,884 |
| Cost of funding earning assets | 1.2526% | 6,463 |
| Net interest margin | 4.4927% | 1,192 |
| Noninterest income to average assets | 1.3876% | 761 |
| Noninterest expense to average assets | 2.1693% | 7,051 |
| Loan and lease loss provision to assets | 1.3707% | 1,681 |
| Net operating income to assets | 1.2016% | 1,240 |
| Return on assets (ROA) | 1.2016% | 1,289 |
| Pretax return on assets | 1.9858% | 414 |
| Return on Equity (ROE) | 10.4574% | 1,563 |
| Retained earnings to average equity (ytd only) | 10.4574% | 327 |
| Net charge-offs to loans | 1.5061% | 1,664 |
| Credit loss provision to net charge-offs | 107.0426% | 5,179 |
| Earnings coverage of net charge-offs (x) | 2.6212% | 3,807 |
| Efficiency ratio | 39.2579% | 7,873 |
| Assets per employee ($millions) | 7.6007% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6805% | 1,037 |
| Loan loss allowance to noncurrent loans | 67.8809% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 4.7167% | 1,343 |
| Noncurrent loans to loans | 3.9488% | 1,875 |
| Net loans and leases to total assets | 89.3094% | 114 |
| Net loans and leases to deposits | 115.9505% | 234 |
| Net loans and leases to core deposits | 227.7119% | 59 |
| Total domestic deposits to total assets | 77.0237% | 6,471 |
| Equity capital to assets | 15.0569% | 895 |
| Core capital (leverage) ratio | 12.8489% | 1,299 |
| Tier 1 risk-based capital ratio | 14.8695% | 3,017 |
| Total risk-based capital ratio | 16.1342% | 2,954 |
| Memoranda: | ||
| Average total assets | $283,869,400 | 2,320 |
| Average earning assets | $261,466,600 | 2,314 |
| Average equity | $32,618,200 | 2,048 |
| Average total loans | $241,344,800 | 1,940 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6336% | 3,674 |
| Cost of funding earning assets | 1.2721% | 6,651 |
| Net interest margin | 4.3614% | 1,557 |
| Noninterest income to average assets | 1.1420% | 1,208 |
| Noninterest expense to average assets | 1.8744% | 7,577 |
| Loan and lease loss provision to assets | 1.4160% | 1,358 |
| Net operating income to assets | 1.1532% | 1,580 |
| Return on assets (ROA) | 1.1532% | 1,645 |
| Pretax return on assets | 1.8851% | 679 |
| Return on Equity (ROE) | 10.6699% | 1,717 |
| Retained earnings to average equity (ytd only) | 10.6699% | 520 |
| Net charge-offs to loans | 1.3618% | 1,512 |
| Credit loss provision to net charge-offs | 124.1853% | 4,058 |
| Earnings coverage of net charge-offs (x) | 2.8952% | 3,777 |
| Efficiency ratio | 36.2166% | 7,972 |
| Assets per employee ($millions) | 9.5797% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6127% | 955 |
| Loan loss allowance to noncurrent loans | 175.1467% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 1.9119% | 3,478 |
| Noncurrent loans to loans | 1.4917% | 4,428 |
| Net loans and leases to total assets | 72.5794% | 2,890 |
| Net loans and leases to deposits | 91.7837% | 2,270 |
| Net loans and leases to core deposits | 180.1467% | 183 |
| Total domestic deposits to total assets | 79.0765% | 5,776 |
| Equity capital to assets | 10.9258% | 3,084 |
| Core capital (leverage) ratio | 11.3503% | 2,160 |
| Tier 1 risk-based capital ratio | 12.6552% | 4,431 |
| Total risk-based capital ratio | 13.9177% | 4,367 |
| Memoranda: | ||
| Average total assets | $297,831,250 | 2,241 |
| Average earning assets | $275,437,500 | 2,226 |
| Average equity | $32,189,500 | 2,094 |
| Average total loans | $249,367,500 | 1,921 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8376% | 2,860 |
| Cost of funding earning assets | 1.3203% | 6,733 |
| Net interest margin | 4.5174% | 1,131 |
| Noninterest income to average assets | 1.3373% | 856 |
| Noninterest expense to average assets | 1.8371% | 7,701 |
| Loan and lease loss provision to assets | 1.5733% | 1,080 |
| Net operating income to assets | 1.2824% | 1,270 |
| Return on assets (ROA) | 1.2824% | 1,360 |
| Pretax return on assets | 2.0988% | 435 |
| Return on Equity (ROE) | 11.9099% | 1,442 |
| Retained earnings to average equity (ytd only) | 11.9099% | 461 |
| Net charge-offs to loans | 1.4286% | 1,319 |
| Credit loss provision to net charge-offs | 126.7067% | 3,667 |
| Earnings coverage of net charge-offs (x) | 2.9574% | 3,623 |
| Efficiency ratio | 33.3456% | 8,088 |
| Assets per employee ($millions) | 9.8084% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3821% | 1,014 |
| Loan loss allowance to noncurrent loans | 226.6098% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 1.5154% | 3,953 |
| Noncurrent loans to loans | 1.0512% | 5,112 |
| Net loans and leases to total assets | 73.9623% | 2,710 |
| Net loans and leases to deposits | 93.9424% | 2,099 |
| Net loans and leases to core deposits | 212.9600% | 90 |
| Total domestic deposits to total assets | 78.7316% | 5,887 |
| Equity capital to assets | 10.1277% | 3,790 |
| Core capital (leverage) ratio | 11.1616% | 2,280 |
| Tier 1 risk-based capital ratio | 11.7766% | 5,125 |
| Total risk-based capital ratio | 13.0371% | 5,029 |
| Memoranda: | ||
| Average total assets | $294,925,000 | 2,288 |
| Average earning assets | $272,372,000 | 2,269 |
| Average equity | $31,755,000 | 2,131 |
| Average total loans | $256,336,330 | 1,910 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2182% | 1,540 |
| Cost of funding earning assets | 1.3350% | 6,917 |
| Net interest margin | 4.8832% | 522 |
| Noninterest income to average assets | 1.7865% | 426 |
| Noninterest expense to average assets | 1.8079% | 7,691 |
| Loan and lease loss provision to assets | 2.7874% | 404 |
| Net operating income to assets | 1.0308% | 2,188 |
| Return on assets (ROA) | 1.0308% | 2,331 |
| Pretax return on assets | 1.6867% | 1,202 |
| Return on Equity (ROE) | 9.2568% | 2,622 |
| Retained earnings to average equity (ytd only) | 9.2568% | 1,409 |
| Net charge-offs to loans | 1.5060% | 961 |
| Credit loss provision to net charge-offs | 198.2759% | 2,241 |
| Earnings coverage of net charge-offs (x) | 3.1826% | 3,259 |
| Efficiency ratio | 28.7789% | 8,155 |
| Assets per employee ($millions) | 8.8979% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4488% | 805 |
| Loan loss allowance to noncurrent loans | 202.2393% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 1.7768% | 3,255 |
| Noncurrent loans to loans | 1.2108% | 4,547 |
| Net loans and leases to total assets | 91.3035% | 84 |
| Net loans and leases to deposits | 108.7456% | 687 |
| Net loans and leases to core deposits | 245.2727% | 70 |
| Total domestic deposits to total assets | 83.9606% | 3,730 |
| Equity capital to assets | 11.4620% | 2,615 |
| Core capital (leverage) ratio | 11.1899% | 2,347 |
| Tier 1 risk-based capital ratio | 11.2562% | 5,639 |
| Total risk-based capital ratio | 12.5186% | 5,539 |
| Memoranda: | ||
| Average total assets | $280,549,000 | 2,384 |
| Average earning assets | $258,274,000 | 2,381 |
| Average equity | $31,242,000 | 2,172 |
| Average total loans | $261,884,000 | 1,892 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9393% | 1,286 |
| Cost of funding earning assets | 2.2745% | 5,269 |
| Net interest margin | 4.6648% | 1,033 |
| Noninterest income to average assets | 0.8339% | 2,331 |
| Noninterest expense to average assets | 1.8933% | 7,623 |
| Loan and lease loss provision to assets | 2.0090% | 595 |
| Net operating income to assets | 0.7062% | 3,868 |
| Return on assets (ROA) | 0.7078% | 3,694 |
| Pretax return on assets | 1.1751% | 2,740 |
| Return on Equity (ROE) | 7.2962% | 3,372 |
| Retained earnings to average equity (ytd only) | 7.2962% | 1,060 |
| Net charge-offs to loans | 1.2226% | 986 |
| Credit loss provision to net charge-offs | 179.5912% | 2,810 |
| Earnings coverage of net charge-offs (x) | 2.8442% | 4,652 |
| Efficiency ratio | 37.3063% | 8,174 |
| Assets per employee ($millions) | 10.1880% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0154% | 1,192 |
| Loan loss allowance to noncurrent loans | 186.5157% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 1.2206% | 3,793 |
| Noncurrent loans to loans | 1.0806% | 4,406 |
| Net loans and leases to total assets | 91.2302% | 119 |
| Net loans and leases to deposits | 197.8327% | 42 |
| Net loans and leases to core deposits | 339.2697% | 37 |
| Total domestic deposits to total assets | 46.1148% | 8,151 |
| Equity capital to assets | 10.8209% | 3,189 |
| Core capital (leverage) ratio | 10.8032% | 2,741 |
| Tier 1 risk-based capital ratio | 10.9217% | 5,796 |
| Total risk-based capital ratio | 12.1799% | 5,705 |
| Memoranda: | ||
| Average total assets | $288,650,200 | 2,264 |
| Average earning assets | $262,431,200 | 2,271 |
| Average equity | $28,001,000 | 2,412 |
| Average total loans | $264,109,600 | 1,807 |