Home > Edens Bank > Performance and Condition Ratios
Edens 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 | 5.4326% | 2,534 |
| Cost of funding earning assets | 1.2692% | 4,082 |
| Net interest margin | 4.1634% | 2,316 |
| Noninterest income to average assets | 0.1548% | 6,617 |
| Noninterest expense to average assets | 2.7677% | 4,715 |
| Loan and lease loss provision to assets | 3.1720% | 280 |
| Net operating income to assets | -1.3385% | 6,851 |
| Return on assets (ROA) | -1.2815% | 6,847 |
| Pretax return on assets | -1.9787% | 7,023 |
| Return on Equity (ROE) | -13.5234% | 6,868 |
| Retained earnings to average equity (ytd only) | -13.5234% | 6,821 |
| Net charge-offs to loans | 2.6073% | 706 |
| Credit loss provision to net charge-offs | 148.5942% | 2,450 |
| Earnings coverage of net charge-offs (x) | 0.5179% | 5,598 |
| Efficiency ratio | 71.0165% | 3,992 |
| Assets per employee ($millions) | 4.2233% | 3,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8783% | 972 |
| Loan loss allowance to noncurrent loans | 25.6653% | 6,561 |
| Noncurrent assets plus other real estate owned to assets | 9.3674% | 470 |
| Noncurrent loans to loans | 11.2146% | 341 |
| Net loans and leases to total assets | 75.4840% | 1,380 |
| Net loans and leases to deposits | 83.5922% | 2,514 |
| Net loans and leases to core deposits | 96.2495% | 1,978 |
| Total domestic deposits to total assets | 90.3003% | 933 |
| Equity capital to assets | 9.4212% | 4,520 |
| Core capital (leverage) ratio | 9.0190% | 4,509 |
| Tier 1 risk-based capital ratio | 12.6319% | 4,914 |
| Total risk-based capital ratio | 13.9043% | 4,873 |
| Memoranda: | ||
| Average total assets | $264,914,800 | 2,402 |
| Average earning assets | $236,606,800 | 2,461 |
| Average equity | $25,104,600 | 2,540 |
| Average total loans | $216,891,400 | 1,994 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5066% | 2,404 |
| Cost of funding earning assets | 1.3802% | 3,703 |
| Net interest margin | 4.1264% | 2,505 |
| Noninterest income to average assets | 0.3660% | 5,231 |
| Noninterest expense to average assets | 2.6363% | 5,170 |
| Loan and lease loss provision to assets | 2.9929% | 291 |
| Net operating income to assets | -1.0025% | 6,901 |
| Return on assets (ROA) | -0.9413% | 6,912 |
| Pretax return on assets | -1.4595% | 7,036 |
| Return on Equity (ROE) | -9.9193% | 6,925 |
| Retained earnings to average equity (ytd only) | -9.9193% | 6,875 |
| Net charge-offs to loans | 1.7811% | 1,092 |
| Credit loss provision to net charge-offs | 202.8571% | 1,754 |
| Earnings coverage of net charge-offs (x) | 0.9745% | 5,088 |
| Efficiency ratio | 64.2970% | 5,191 |
| Assets per employee ($millions) | 4.6173% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7159% | 1,068 |
| Loan loss allowance to noncurrent loans | 37.3004% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 7.3005% | 730 |
| Noncurrent loans to loans | 7.2811% | 749 |
| Net loans and leases to total assets | 81.5405% | 556 |
| Net loans and leases to deposits | 91.3819% | 1,525 |
| Net loans and leases to core deposits | 105.4142% | 1,368 |
| Total domestic deposits to total assets | 89.2304% | 1,269 |
| Equity capital to assets | 9.6558% | 4,608 |
| Core capital (leverage) ratio | 9.2847% | 4,228 |
| Tier 1 risk-based capital ratio | 11.3187% | 6,085 |
| Total risk-based capital ratio | 12.5873% | 6,063 |
| Memoranda: | ||
| Average total assets | $268,850,500 | 2,406 |
| Average earning assets | $241,593,500 | 2,450 |
| Average equity | $25,512,000 | 2,540 |
| Average total loans | $222,699,500 | 1,976 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4388% | 2,804 |
| Cost of funding earning assets | 1.4826% | 3,353 |
| Net interest margin | 3.9562% | 3,219 |
| Noninterest income to average assets | 0.3724% | 5,159 |
| Noninterest expense to average assets | 2.3858% | 6,102 |
| Loan and lease loss provision to assets | 3.2577% | 286 |
| Net operating income to assets | -1.1245% | 6,997 |
| Return on assets (ROA) | -1.1172% | 7,007 |
| Pretax return on assets | -1.7027% | 7,146 |
| Return on Equity (ROE) | -11.8395% | 7,036 |
| Retained earnings to average equity (ytd only) | -11.8395% | 6,994 |
| Net charge-offs to loans | 1.6102% | 1,180 |
| Credit loss provision to net charge-offs | 245.1631% | 1,570 |
| Earnings coverage of net charge-offs (x) | 1.1620% | 4,634 |
| Efficiency ratio | 60.2991% | 5,996 |
| Assets per employee ($millions) | 4.9108% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4782% | 1,327 |
| Loan loss allowance to noncurrent loans | 40.8757% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 6.5845% | 844 |
| Noncurrent loans to loans | 6.0628% | 1,049 |
| Net loans and leases to total assets | 80.9044% | 678 |
| Net loans and leases to deposits | 90.1502% | 1,826 |
| Net loans and leases to core deposits | 103.6800% | 1,672 |
| Total domestic deposits to total assets | 89.7440% | 1,053 |
| Equity capital to assets | 9.5063% | 4,691 |
| Core capital (leverage) ratio | 9.3331% | 4,062 |
| Tier 1 risk-based capital ratio | 10.7774% | 6,464 |
| Total risk-based capital ratio | 12.0411% | 6,439 |
| Memoranda: | ||
| Average total assets | $272,277,000 | 2,397 |
| Average earning assets | $244,832,000 | 2,445 |
| Average equity | $25,693,670 | 2,517 |
| Average total loans | $224,690,670 | 1,986 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4978% | 2,581 |
| Cost of funding earning assets | 1.5829% | 3,058 |
| Net interest margin | 3.9149% | 3,262 |
| Noninterest income to average assets | 0.3974% | 4,932 |
| Noninterest expense to average assets | 2.2507% | 6,539 |
| Loan and lease loss provision to assets | 5.3657% | 134 |
| Net operating income to assets | -2.4818% | 7,554 |
| Return on assets (ROA) | -2.4769% | 7,556 |
| Pretax return on assets | -3.6719% | 7,659 |
| Return on Equity (ROE) | -26.3418% | 7,521 |
| Retained earnings to average equity (ytd only) | -26.3418% | 7,483 |
| Net charge-offs to loans | 1.9362% | 890 |
| Credit loss provision to net charge-offs | 336.6697% | 1,189 |
| Earnings coverage of net charge-offs (x) | 1.0582% | 4,132 |
| Efficiency ratio | 56.7587% | 6,659 |
| Assets per employee ($millions) | 5.0428% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4087% | 1,411 |
| Loan loss allowance to noncurrent loans | 29.7680% | 6,416 |
| Noncurrent assets plus other real estate owned to assets | 7.2017% | 737 |
| Noncurrent loans to loans | 8.0917% | 663 |
| Net loans and leases to total assets | 82.2678% | 557 |
| Net loans and leases to deposits | 93.5954% | 1,395 |
| Net loans and leases to core deposits | 104.6953% | 1,686 |
| Total domestic deposits to total assets | 87.8973% | 2,117 |
| Equity capital to assets | 9.4515% | 4,611 |
| Core capital (leverage) ratio | 8.9466% | 4,652 |
| Tier 1 risk-based capital ratio | 10.5647% | 6,573 |
| Total risk-based capital ratio | 11.8615% | 6,522 |
| Memoranda: | ||
| Average total assets | $275,824,500 | 2,420 |
| Average earning assets | $249,408,000 | 2,455 |
| Average equity | $25,936,000 | 2,516 |
| Average total loans | $227,038,000 | 2,013 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3562% | 920 |
| Cost of funding earning assets | 2.2264% | 1,912 |
| Net interest margin | 4.1298% | 2,317 |
| Noninterest income to average assets | 0.3852% | 5,336 |
| Noninterest expense to average assets | 2.4433% | 6,327 |
| Loan and lease loss provision to assets | 2.0764% | 1,022 |
| Net operating income to assets | -0.1775% | 5,816 |
| Return on assets (ROA) | -0.1736% | 5,803 |
| Pretax return on assets | -0.3530% | 5,880 |
| Return on Equity (ROE) | -2.0977% | 5,872 |
| Retained earnings to average equity (ytd only) | -2.0977% | 5,540 |
| Net charge-offs to loans | 2.7674% | 806 |
| Credit loss provision to net charge-offs | 94.4084% | 5,835 |
| Earnings coverage of net charge-offs (x) | 0.7808% | 5,327 |
| Efficiency ratio | 58.3571% | 6,714 |
| Assets per employee ($millions) | 5.3656% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 5,141 |
| Loan loss allowance to noncurrent loans | 21.0550% | 7,015 |
| Noncurrent assets plus other real estate owned to assets | 4.7198% | 1,341 |
| Noncurrent loans to loans | 5.8670% | 1,069 |
| Net loans and leases to total assets | 79.4523% | 1,102 |
| Net loans and leases to deposits | 94.6866% | 1,504 |
| Net loans and leases to core deposits | 136.8385% | 922 |
| Total domestic deposits to total assets | 83.9109% | 4,065 |
| Equity capital to assets | 9.3576% | 4,621 |
| Core capital (leverage) ratio | 8.9830% | 4,449 |
| Tier 1 risk-based capital ratio | 11.3051% | 5,609 |
| Total risk-based capital ratio | 12.5179% | 5,597 |
| Memoranda: | ||
| Average total assets | $294,357,000 | 2,251 |
| Average earning assets | $269,090,200 | 2,243 |
| Average equity | $24,360,200 | 2,677 |
| Average total loans | $233,934,200 | 2,002 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4162% | 898 |
| Cost of funding earning assets | 2.3326% | 1,870 |
| Net interest margin | 4.0836% | 2,465 |
| Noninterest income to average assets | 0.4249% | 5,092 |
| Noninterest expense to average assets | 2.4523% | 6,238 |
| Loan and lease loss provision to assets | 1.7346% | 1,062 |
| Net operating income to assets | 0.0635% | 5,569 |
| Return on assets (ROA) | 0.0678% | 5,603 |
| Pretax return on assets | -0.0126% | 5,726 |
| Return on Equity (ROE) | 0.8460% | 5,545 |
| Retained earnings to average equity (ytd only) | 0.8460% | 4,830 |
| Net charge-offs to loans | 0.5952% | 2,893 |
| Credit loss provision to net charge-offs | 367.8095% | 1,099 |
| Earnings coverage of net charge-offs (x) | 3.6371% | 3,444 |
| Efficiency ratio | 58.4761% | 6,654 |
| Assets per employee ($millions) | 5.2004% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5509% | 1,015 |
| Loan loss allowance to noncurrent loans | 56.7430% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 3.7059% | 1,753 |
| Noncurrent loans to loans | 4.4955% | 1,557 |
| Net loans and leases to total assets | 77.3259% | 1,714 |
| Net loans and leases to deposits | 88.1879% | 2,921 |
| Net loans and leases to core deposits | 130.1219% | 1,430 |
| Total domestic deposits to total assets | 87.6831% | 1,810 |
| Equity capital to assets | 8.2275% | 6,605 |
| Core capital (leverage) ratio | 8.0203% | 6,325 |
| Tier 1 risk-based capital ratio | 10.1754% | 6,810 |
| Total risk-based capital ratio | 11.4413% | 6,726 |
| Memoranda: | ||
| Average total assets | $296,851,750 | 2,248 |
| Average earning assets | $272,076,500 | 2,244 |
| Average equity | $23,797,500 | 2,778 |
| Average total loans | $235,225,000 | 2,017 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4004% | 1,014 |
| Cost of funding earning assets | 2.4089% | 1,933 |
| Net interest margin | 3.9914% | 2,732 |
| Noninterest income to average assets | 0.4350% | 4,985 |
| Noninterest expense to average assets | 2.4027% | 6,450 |
| Loan and lease loss provision to assets | 1.2600% | 1,357 |
| Net operating income to assets | 0.3422% | 4,714 |
| Return on assets (ROA) | 0.3502% | 4,794 |
| Pretax return on assets | 0.4411% | 4,825 |
| Return on Equity (ROE) | 4.4067% | 4,339 |
| Retained earnings to average equity (ytd only) | 4.4067% | 2,845 |
| Net charge-offs to loans | 0.4923% | 2,856 |
| Credit loss provision to net charge-offs | 323.1434% | 1,445 |
| Earnings coverage of net charge-offs (x) | 4.3368% | 3,129 |
| Efficiency ratio | 58.3320% | 6,805 |
| Assets per employee ($millions) | 4.9359% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8741% | 1,858 |
| Loan loss allowance to noncurrent loans | 60.2151% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 2.6066% | 2,470 |
| Noncurrent loans to loans | 3.1123% | 2,300 |
| Net loans and leases to total assets | 77.9080% | 1,763 |
| Net loans and leases to deposits | 87.3759% | 3,287 |
| Net loans and leases to core deposits | 130.1293% | 1,545 |
| Total domestic deposits to total assets | 89.1643% | 1,190 |
| Equity capital to assets | 8.0761% | 6,656 |
| Core capital (leverage) ratio | 7.9598% | 6,403 |
| Tier 1 risk-based capital ratio | 9.5790% | 7,327 |
| Total risk-based capital ratio | 10.8358% | 7,276 |
| Memoranda: | ||
| Average total assets | $296,995,000 | 2,270 |
| Average earning assets | $272,235,000 | 2,270 |
| Average equity | $23,600,670 | 2,800 |
| Average total loans | $235,229,670 | 2,042 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4640% | 927 |
| Cost of funding earning assets | 2.4941% | 1,940 |
| Net interest margin | 3.9699% | 2,771 |
| Noninterest income to average assets | 0.4191% | 5,064 |
| Noninterest expense to average assets | 2.4872% | 5,887 |
| Loan and lease loss provision to assets | 0.2034% | 4,414 |
| Net operating income to assets | 0.9113% | 2,655 |
| Return on assets (ROA) | 0.9249% | 2,732 |
| Pretax return on assets | 1.3860% | 2,008 |
| Return on Equity (ROE) | 11.7369% | 1,746 |
| Retained earnings to average equity (ytd only) | 11.7369% | 839 |
| Net charge-offs to loans | 0.3806% | 2,567 |
| Credit loss provision to net charge-offs | 67.5676% | 4,395 |
| Earnings coverage of net charge-offs (x) | 5.2117% | 2,722 |
| Efficiency ratio | 60.9495% | 6,259 |
| Assets per employee ($millions) | 4.3802% | 2,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 3,849 |
| Loan loss allowance to noncurrent loans | 36.5085% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 2.9083% | 1,956 |
| Noncurrent loans to loans | 3.6716% | 1,705 |
| Net loans and leases to total assets | 78.1482% | 1,785 |
| Net loans and leases to deposits | 86.9916% | 3,471 |
| Net loans and leases to core deposits | 130.5912% | 1,626 |
| Total domestic deposits to total assets | 89.8341% | 871 |
| Equity capital to assets | 7.8743% | 6,980 |
| Core capital (leverage) ratio | 7.6590% | 6,938 |
| Tier 1 risk-based capital ratio | 9.9090% | 7,026 |
| Total risk-based capital ratio | 11.1605% | 6,919 |
| Memoranda: | ||
| Average total assets | $294,949,000 | 2,305 |
| Average earning assets | $270,235,500 | 2,290 |
| Average equity | $23,243,000 | 2,854 |
| Average total loans | $233,319,000 | 2,067 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1976% | 752 |
| Cost of funding earning assets | 3.0275% | 1,768 |
| Net interest margin | 4.1700% | 2,436 |
| Noninterest income to average assets | 0.3517% | 5,915 |
| Noninterest expense to average assets | 2.4956% | 6,029 |
| Loan and lease loss provision to assets | 0.2197% | 4,687 |
| Net operating income to assets | 0.9703% | 2,691 |
| Return on assets (ROA) | 0.9771% | 2,530 |
| Pretax return on assets | 1.4308% | 1,868 |
| Return on Equity (ROE) | 11.9925% | 1,598 |
| Retained earnings to average equity (ytd only) | 5.5467% | 1,746 |
| Net charge-offs to loans | 0.1655% | 4,549 |
| Credit loss provision to net charge-offs | 172.3577% | 2,967 |
| Earnings coverage of net charge-offs (x) | 12.8672% | 2,194 |
| Efficiency ratio | 59.9616% | 6,345 |
| Assets per employee ($millions) | 4.4243% | 2,740 |
| Cash dividends to net income (ytd only)* | 53.7482% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 3,415 |
| Loan loss allowance to noncurrent loans | 41.3704% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 2.5996% | 1,850 |
| Noncurrent loans to loans | 3.2906% | 1,582 |
| Net loans and leases to total assets | 77.9254% | 2,164 |
| Net loans and leases to deposits | 89.9918% | 3,456 |
| Net loans and leases to core deposits | 132.3321% | 1,702 |
| Total domestic deposits to total assets | 86.5916% | 2,145 |
| Equity capital to assets | 7.8863% | 6,986 |
| Core capital (leverage) ratio | 7.7960% | 6,807 |
| Tier 1 risk-based capital ratio | 9.0212% | 7,765 |
| Total risk-based capital ratio | 10.2712% | 7,755 |
| Memoranda: | ||
| Average total assets | $289,425,200 | 2,257 |
| Average earning assets | $262,658,800 | 2,269 |
| Average equity | $23,581,400 | 2,778 |
| Average total loans | $222,937,400 | 2,101 |