Home > Bank of Evansville > Performance and Condition Ratios
Bank of Evansville, 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 | 4.6585% | 5,927 |
| Cost of funding earning assets | 1.4779% | 2,772 |
| Net interest margin | 3.1806% | 6,313 |
| Noninterest income to average assets | 0.1721% | 6,510 |
| Noninterest expense to average assets | 2.2844% | 6,403 |
| Loan and lease loss provision to assets | 0.5800% | 2,812 |
| Net operating income to assets | 0.1989% | 5,265 |
| Return on assets (ROA) | 0.1989% | 5,440 |
| Pretax return on assets | 0.2796% | 5,287 |
| Return on Equity (ROE) | 2.0913% | 5,350 |
| Retained earnings to average equity (ytd only) | 2.0913% | 4,417 |
| Net charge-offs to loans | 0.9141% | 2,360 |
| Credit loss provision to net charge-offs | 81.8141% | 5,496 |
| Earnings coverage of net charge-offs (x) | 1.2125% | 4,893 |
| Efficiency ratio | 72.6589% | 3,664 |
| Assets per employee ($millions) | 7.7271% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8045% | 2,848 |
| Loan loss allowance to noncurrent loans | 113.5434% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 1.4039% | 4,239 |
| Noncurrent loans to loans | 1.5893% | 4,114 |
| Net loans and leases to total assets | 65.7494% | 3,514 |
| Net loans and leases to deposits | 73.8989% | 4,206 |
| Net loans and leases to core deposits | 79.6212% | 4,260 |
| Total domestic deposits to total assets | 88.9721% | 1,678 |
| Equity capital to assets | 7.8555% | 6,633 |
| Core capital (leverage) ratio | 8.0221% | 6,167 |
| Tier 1 risk-based capital ratio | 11.0480% | 6,293 |
| Total risk-based capital ratio | 12.3039% | 6,263 |
| Memoranda: | ||
| Average total assets | $317,245,600 | 2,050 |
| Average earning assets | $296,426,200 | 2,007 |
| Average equity | $30,172,600 | 2,161 |
| Average total loans | $246,034,600 | 1,782 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 5,698 |
| Cost of funding earning assets | 1.4859% | 3,059 |
| Net interest margin | 3.3066% | 5,997 |
| Noninterest income to average assets | 0.3197% | 5,593 |
| Noninterest expense to average assets | 2.2501% | 6,464 |
| Loan and lease loss provision to assets | 0.4707% | 3,119 |
| Net operating income to assets | 0.4356% | 4,604 |
| Return on assets (ROA) | 0.4356% | 4,784 |
| Pretax return on assets | 0.6920% | 4,255 |
| Return on Equity (ROE) | 4.3729% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.3729% | 3,424 |
| Net charge-offs to loans | 1.0693% | 1,901 |
| Credit loss provision to net charge-offs | 54.7264% | 5,808 |
| Earnings coverage of net charge-offs (x) | 1.3517% | 4,726 |
| Efficiency ratio | 65.9310% | 4,877 |
| Assets per employee ($millions) | 6.7848% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4849% | 4,033 |
| Loan loss allowance to noncurrent loans | 94.3979% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 1.6035% | 4,044 |
| Noncurrent loans to loans | 1.5730% | 4,278 |
| Net loans and leases to total assets | 73.4629% | 1,920 |
| Net loans and leases to deposits | 84.5577% | 2,606 |
| Net loans and leases to core deposits | 91.8513% | 2,828 |
| Total domestic deposits to total assets | 86.8790% | 2,594 |
| Equity capital to assets | 9.7209% | 4,514 |
| Core capital (leverage) ratio | 9.7449% | 3,563 |
| Tier 1 risk-based capital ratio | 12.3419% | 5,125 |
| Total risk-based capital ratio | 13.5943% | 5,102 |
| Memoranda: | ||
| Average total assets | $311,559,250 | 2,117 |
| Average earning assets | $291,449,750 | 2,065 |
| Average equity | $31,038,750 | 2,129 |
| Average total loans | $250,630,750 | 1,783 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8743% | 5,508 |
| Cost of funding earning assets | 1.4720% | 3,416 |
| Net interest margin | 3.4022% | 5,637 |
| Noninterest income to average assets | 0.2379% | 6,203 |
| Noninterest expense to average assets | 2.3021% | 6,347 |
| Loan and lease loss provision to assets | 0.7169% | 2,030 |
| Net operating income to assets | 0.2451% | 5,395 |
| Return on assets (ROA) | 0.2451% | 5,536 |
| Pretax return on assets | 0.4034% | 5,214 |
| Return on Equity (ROE) | 2.4390% | 5,488 |
| Retained earnings to average equity (ytd only) | 2.4390% | 4,604 |
| Net charge-offs to loans | 1.4548% | 1,310 |
| Credit loss provision to net charge-offs | 59.7177% | 5,206 |
| Earnings coverage of net charge-offs (x) | 0.9332% | 4,845 |
| Efficiency ratio | 67.2634% | 4,714 |
| Assets per employee ($millions) | 6.3559% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 3,755 |
| Loan loss allowance to noncurrent loans | 94.7765% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 1.7788% | 3,788 |
| Noncurrent loans to loans | 1.6168% | 4,285 |
| Net loans and leases to total assets | 77.8696% | 1,136 |
| Net loans and leases to deposits | 89.9771% | 1,859 |
| Net loans and leases to core deposits | 98.4757% | 2,180 |
| Total domestic deposits to total assets | 86.5438% | 2,794 |
| Equity capital to assets | 9.9383% | 4,092 |
| Core capital (leverage) ratio | 10.0833% | 3,085 |
| Tier 1 risk-based capital ratio | 12.0953% | 5,230 |
| Total risk-based capital ratio | 13.3484% | 5,195 |
| Memoranda: | ||
| Average total assets | $306,856,000 | 2,161 |
| Average earning assets | $287,222,000 | 2,104 |
| Average equity | $30,832,330 | 2,138 |
| Average total loans | $253,223,670 | 1,791 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8799% | 5,561 |
| Cost of funding earning assets | 1.4512% | 3,870 |
| Net interest margin | 3.4287% | 5,467 |
| Noninterest income to average assets | 0.1996% | 6,534 |
| Noninterest expense to average assets | 2.1473% | 6,815 |
| Loan and lease loss provision to assets | 0.2298% | 4,203 |
| Net operating income to assets | 0.6291% | 3,765 |
| Return on assets (ROA) | 0.6291% | 3,889 |
| Pretax return on assets | 1.0402% | 2,935 |
| Return on Equity (ROE) | 6.2263% | 3,763 |
| Retained earnings to average equity (ytd only) | 6.2263% | 2,511 |
| Net charge-offs to loans | 0.2493% | 3,449 |
| Credit loss provision to net charge-offs | 109.3750% | 3,148 |
| Earnings coverage of net charge-offs (x) | 6.0438% | 2,293 |
| Efficiency ratio | 62.8363% | 5,687 |
| Assets per employee ($millions) | 6.4080% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7822% | 2,784 |
| Loan loss allowance to noncurrent loans | 101.1836% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 1.9224% | 3,603 |
| Noncurrent loans to loans | 1.7613% | 4,107 |
| Net loans and leases to total assets | 81.1828% | 687 |
| Net loans and leases to deposits | 93.9942% | 1,351 |
| Net loans and leases to core deposits | 107.7406% | 1,437 |
| Total domestic deposits to total assets | 86.3699% | 2,951 |
| Equity capital to assets | 10.0805% | 3,768 |
| Core capital (leverage) ratio | 10.3330% | 2,775 |
| Tier 1 risk-based capital ratio | 12.0446% | 5,153 |
| Total risk-based capital ratio | 13.3012% | 5,111 |
| Memoranda: | ||
| Average total assets | $304,563,500 | 2,223 |
| Average earning assets | $285,824,000 | 2,172 |
| Average equity | $30,772,500 | 2,162 |
| Average total loans | $256,689,500 | 1,825 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0757% | 6,174 |
| Cost of funding earning assets | 1.7431% | 4,286 |
| Net interest margin | 3.3327% | 5,613 |
| Noninterest income to average assets | 0.3711% | 5,435 |
| Noninterest expense to average assets | 2.2596% | 6,847 |
| Loan and lease loss provision to assets | 0.4084% | 4,362 |
| Net operating income to assets | 0.4714% | 3,853 |
| Return on assets (ROA) | 0.4962% | 3,842 |
| Pretax return on assets | 0.8004% | 3,240 |
| Return on Equity (ROE) | 4.9624% | 3,681 |
| Retained earnings to average equity (ytd only) | 4.9624% | 1,836 |
| Net charge-offs to loans | 0.4058% | 4,194 |
| Credit loss provision to net charge-offs | 115.7143% | 4,703 |
| Earnings coverage of net charge-offs (x) | 3.3152% | 3,400 |
| Efficiency ratio | 65.8826% | 5,414 |
| Assets per employee ($millions) | 6.2821% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7427% | 2,739 |
| Loan loss allowance to noncurrent loans | 73.9843% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 2.3503% | 2,951 |
| Noncurrent loans to loans | 2.3555% | 3,220 |
| Net loans and leases to total assets | 84.4413% | 398 |
| Net loans and leases to deposits | 97.8315% | 1,121 |
| Net loans and leases to core deposits | 113.1053% | 2,586 |
| Total domestic deposits to total assets | 86.3130% | 2,863 |
| Equity capital to assets | 10.1276% | 3,593 |
| Core capital (leverage) ratio | 10.3551% | 2,729 |
| Tier 1 risk-based capital ratio | 11.8956% | 5,030 |
| Total risk-based capital ratio | 13.1534% | 4,984 |
| Memoranda: | ||
| Average total assets | $297,485,800 | 2,228 |
| Average earning assets | $273,024,400 | 2,218 |
| Average equity | $29,743,800 | 2,245 |
| Average total loans | $258,716,600 | 1,841 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0830% | 6,329 |
| Cost of funding earning assets | 1.8125% | 4,329 |
| Net interest margin | 3.2705% | 5,750 |
| Noninterest income to average assets | 0.3805% | 5,473 |
| Noninterest expense to average assets | 2.2832% | 6,744 |
| Loan and lease loss provision to assets | 0.4452% | 3,676 |
| Net operating income to assets | 0.3854% | 4,453 |
| Return on assets (ROA) | 0.3854% | 4,559 |
| Pretax return on assets | 0.6359% | 4,070 |
| Return on Equity (ROE) | 3.8675% | 4,431 |
| Retained earnings to average equity (ytd only) | 3.8675% | 3,128 |
| Net charge-offs to loans | 0.2521% | 4,471 |
| Credit loss provision to net charge-offs | 202.4540% | 2,201 |
| Earnings coverage of net charge-offs (x) | 4.9162% | 2,969 |
| Efficiency ratio | 67.8653% | 5,006 |
| Assets per employee ($millions) | 6.1542% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8844% | 2,071 |
| Loan loss allowance to noncurrent loans | 73.5709% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 2.1870% | 3,112 |
| Noncurrent loans to loans | 2.5614% | 2,945 |
| Net loans and leases to total assets | 83.7736% | 568 |
| Net loans and leases to deposits | 97.0366% | 1,436 |
| Net loans and leases to core deposits | 112.8661% | 2,943 |
| Total domestic deposits to total assets | 86.3320% | 2,521 |
| Equity capital to assets | 9.9570% | 4,141 |
| Core capital (leverage) ratio | 10.3337% | 2,944 |
| Tier 1 risk-based capital ratio | 11.8094% | 5,152 |
| Total risk-based capital ratio | 13.0678% | 5,081 |
| Memoranda: | ||
| Average total assets | $296,471,750 | 2,252 |
| Average earning assets | $270,491,000 | 2,255 |
| Average equity | $29,545,000 | 2,284 |
| Average total loans | $258,610,250 | 1,869 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1685% | 6,199 |
| Cost of funding earning assets | 1.9101% | 4,213 |
| Net interest margin | 3.2583% | 5,704 |
| Noninterest income to average assets | 0.4044% | 5,247 |
| Noninterest expense to average assets | 2.3238% | 6,691 |
| Loan and lease loss provision to assets | 0.5021% | 3,026 |
| Net operating income to assets | 0.3128% | 4,835 |
| Return on assets (ROA) | 0.3128% | 4,951 |
| Pretax return on assets | 0.5170% | 4,562 |
| Return on Equity (ROE) | 3.1377% | 4,847 |
| Retained earnings to average equity (ytd only) | 3.1377% | 3,568 |
| Net charge-offs to loans | 0.4471% | 3,029 |
| Credit loss provision to net charge-offs | 127.8066% | 3,639 |
| Earnings coverage of net charge-offs (x) | 2.5941% | 3,775 |
| Efficiency ratio | 69.5149% | 4,873 |
| Assets per employee ($millions) | 5.9126% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7642% | 2,143 |
| Loan loss allowance to noncurrent loans | 70.7497% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 2.1838% | 2,953 |
| Noncurrent loans to loans | 2.4936% | 2,907 |
| Net loans and leases to total assets | 84.9654% | 513 |
| Net loans and leases to deposits | 98.7432% | 1,429 |
| Net loans and leases to core deposits | 118.7721% | 2,478 |
| Total domestic deposits to total assets | 86.0468% | 2,768 |
| Equity capital to assets | 9.9888% | 3,955 |
| Core capital (leverage) ratio | 10.2590% | 3,035 |
| Tier 1 risk-based capital ratio | 11.6321% | 5,258 |
| Total risk-based capital ratio | 12.8886% | 5,187 |
| Memoranda: | ||
| Average total assets | $294,776,330 | 2,290 |
| Average earning assets | $265,843,000 | 2,302 |
| Average equity | $29,384,670 | 2,317 |
| Average total loans | $258,987,670 | 1,895 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1306% | 6,561 |
| Cost of funding earning assets | 2.0203% | 4,031 |
| Net interest margin | 3.1102% | 6,167 |
| Noninterest income to average assets | 0.3832% | 5,356 |
| Noninterest expense to average assets | 2.0955% | 7,124 |
| Loan and lease loss provision to assets | 0.2854% | 3,678 |
| Net operating income to assets | 0.5069% | 4,388 |
| Return on assets (ROA) | 0.5069% | 4,575 |
| Pretax return on assets | 0.8371% | 3,943 |
| Return on Equity (ROE) | 5.0901% | 4,440 |
| Retained earnings to average equity (ytd only) | 5.0901% | 3,069 |
| Net charge-offs to loans | 0.2164% | 3,345 |
| Credit loss provision to net charge-offs | 148.9362% | 2,806 |
| Earnings coverage of net charge-offs (x) | 5.8582% | 2,595 |
| Efficiency ratio | 65.1182% | 5,487 |
| Assets per employee ($millions) | 5.9994% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7144% | 2,096 |
| Loan loss allowance to noncurrent loans | 88.3117% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 1.7396% | 3,308 |
| Noncurrent loans to loans | 1.9413% | 3,352 |
| Net loans and leases to total assets | 86.1964% | 419 |
| Net loans and leases to deposits | 99.9460% | 1,414 |
| Net loans and leases to core deposits | 133.4362% | 1,450 |
| Total domestic deposits to total assets | 86.2430% | 2,589 |
| Equity capital to assets | 10.0336% | 3,968 |
| Core capital (leverage) ratio | 10.0795% | 3,315 |
| Tier 1 risk-based capital ratio | 11.5149% | 5,395 |
| Total risk-based capital ratio | 12.7711% | 5,287 |
| Memoranda: | ||
| Average total assets | $294,349,000 | 2,308 |
| Average earning assets | $268,274,500 | 2,302 |
| Average equity | $29,312,000 | 2,327 |
| Average total loans | $260,634,000 | 1,901 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9607% | 5,751 |
| Cost of funding earning assets | 2.5618% | 3,895 |
| Net interest margin | 3.3989% | 5,670 |
| Noninterest income to average assets | 0.7028% | 3,110 |
| Noninterest expense to average assets | 2.3429% | 6,583 |
| Loan and lease loss provision to assets | 0.5915% | 2,455 |
| Net operating income to assets | 0.5753% | 4,416 |
| Return on assets (ROA) | 0.5753% | 4,282 |
| Pretax return on assets | 0.9598% | 3,525 |
| Return on Equity (ROE) | 5.8727% | 4,002 |
| Retained earnings to average equity (ytd only) | 5.8727% | 1,585 |
| Net charge-offs to loans | 0.1862% | 4,336 |
| Credit loss provision to net charge-offs | 358.1590% | 1,242 |
| Earnings coverage of net charge-offs (x) | 9.3933% | 2,693 |
| Efficiency ratio | 60.1633% | 6,304 |
| Assets per employee ($millions) | 6.1401% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6515% | 2,060 |
| Loan loss allowance to noncurrent loans | 81.6629% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.8991% | 2,591 |
| Noncurrent loans to loans | 2.0224% | 2,738 |
| Net loans and leases to total assets | 87.9135% | 379 |
| Net loans and leases to deposits | 101.7898% | 1,606 |
| Net loans and leases to core deposits | 126.9559% | 2,086 |
| Total domestic deposits to total assets | 86.3676% | 2,232 |
| Equity capital to assets | 9.8831% | 4,179 |
| Core capital (leverage) ratio | 9.9214% | 3,522 |
| Tier 1 risk-based capital ratio | 11.5112% | 5,232 |
| Total risk-based capital ratio | 12.7672% | 5,122 |
| Memoranda: | ||
| Average total assets | $289,431,800 | 2,256 |
| Average earning assets | $271,763,000 | 2,222 |
| Average equity | $28,351,400 | 2,382 |
| Average total loans | $256,694,800 | 1,867 |