Home > Elkhart Community Bank > Performance and Condition Ratios
Elkhart Community Bank, Performance and Condition Ratios
| 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 | 4.6932% | 7,147 |
| Cost of funding earning assets | 2.1939% | 2,068 |
| Net interest margin | 2.4993% | 7,429 |
| Noninterest income to average assets | -0.0805% | 7,789 |
| Noninterest expense to average assets | 2.4453% | 6,318 |
| Loan and lease loss provision to assets | 3.5703% | 429 |
| Net operating income to assets | -3.5573% | 7,523 |
| Return on assets (ROA) | -3.5573% | 7,528 |
| Pretax return on assets | -3.7656% | 7,480 |
| Return on Equity (ROE) | -48.8759% | 7,674 |
| Retained earnings to average equity (ytd only) | -48.8759% | 7,667 |
| Net charge-offs to loans | 3.5835% | 533 |
| Credit loss provision to net charge-offs | 122.9383% | 4,301 |
| Earnings coverage of net charge-offs (x) | -0.0672% | 6,290 |
| Efficiency ratio | 108.6762% | 826 |
| Assets per employee ($millions) | 6.2778% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3071% | 603 |
| Loan loss allowance to noncurrent loans | 29.2104% | 6,526 |
| Noncurrent assets plus other real estate owned to assets | 10.2233% | 354 |
| Noncurrent loans to loans | 11.3216% | 322 |
| Net loans and leases to total assets | 73.4004% | 2,406 |
| Net loans and leases to deposits | 79.5752% | 4,076 |
| Net loans and leases to core deposits | 116.7018% | 2,249 |
| Total domestic deposits to total assets | 92.2404% | 224 |
| Equity capital to assets | 6.2240% | 7,622 |
| Core capital (leverage) ratio | 5.0318% | 7,771 |
| Tier 1 risk-based capital ratio | 6.9421% | 7,754 |
| Total risk-based capital ratio | 8.2202% | 7,757 |
| Memoranda: | ||
| Average total assets | $99,374,400 | 5,101 |
| Average earning assets | $92,666,400 | 5,039 |
| Average equity | $7,232,600 | 6,195 |
| Average total loans | $80,535,000 | 4,489 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 7,160 |
| Cost of funding earning assets | 2.3409% | 1,843 |
| Net interest margin | 2.4348% | 7,537 |
| Noninterest income to average assets | 0.0424% | 7,674 |
| Noninterest expense to average assets | 2.3481% | 6,561 |
| Loan and lease loss provision to assets | 3.7889% | 329 |
| Net operating income to assets | -3.9704% | 7,747 |
| Return on assets (ROA) | -3.9704% | 7,749 |
| Pretax return on assets | -3.8273% | 7,664 |
| Return on Equity (ROE) | -52.7652% | 7,852 |
| Retained earnings to average equity (ytd only) | -52.7652% | 7,846 |
| Net charge-offs to loans | 2.9227% | 587 |
| Credit loss provision to net charge-offs | 157.6309% | 3,025 |
| Earnings coverage of net charge-offs (x) | -0.0160% | 6,085 |
| Efficiency ratio | 101.6628% | 990 |
| Assets per employee ($millions) | 6.4367% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5472% | 397 |
| Loan loss allowance to noncurrent loans | 38.2357% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 9.3496% | 397 |
| Noncurrent loans to loans | 9.2771% | 462 |
| Net loans and leases to total assets | 77.3920% | 1,701 |
| Net loans and leases to deposits | 84.0820% | 3,628 |
| Net loans and leases to core deposits | 112.0757% | 3,014 |
| Total domestic deposits to total assets | 92.0435% | 168 |
| Equity capital to assets | 6.4195% | 7,781 |
| Core capital (leverage) ratio | 5.0196% | 7,919 |
| Tier 1 risk-based capital ratio | 6.8903% | 7,905 |
| Total risk-based capital ratio | 8.1714% | 7,906 |
| Memoranda: | ||
| Average total assets | $100,676,250 | 5,106 |
| Average earning assets | $93,751,000 | 5,049 |
| Average equity | $7,575,500 | 6,122 |
| Average total loans | $82,798,000 | 4,461 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7810% | 7,259 |
| Cost of funding earning assets | 2.5120% | 1,570 |
| Net interest margin | 2.2690% | 7,696 |
| Noninterest income to average assets | 0.2077% | 6,807 |
| Noninterest expense to average assets | 2.2224% | 6,999 |
| Loan and lease loss provision to assets | 3.3120% | 443 |
| Net operating income to assets | -1.9520% | 7,418 |
| Return on assets (ROA) | -1.9520% | 7,413 |
| Pretax return on assets | -3.2219% | 7,618 |
| Return on Equity (ROE) | -24.7926% | 7,623 |
| Retained earnings to average equity (ytd only) | -24.7926% | 7,589 |
| Net charge-offs to loans | 0.9152% | 1,875 |
| Credit loss provision to net charge-offs | 436.6925% | 1,066 |
| Earnings coverage of net charge-offs (x) | 0.1189% | 5,547 |
| Efficiency ratio | 96.1017% | 1,369 |
| Assets per employee ($millions) | 7.3456% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7231% | 319 |
| Loan loss allowance to noncurrent loans | 52.8305% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 7.0001% | 605 |
| Noncurrent loans to loans | 7.0472% | 686 |
| Net loans and leases to total assets | 70.5257% | 3,574 |
| Net loans and leases to deposits | 77.0233% | 5,026 |
| Net loans and leases to core deposits | 98.0147% | 4,697 |
| Total domestic deposits to total assets | 91.5641% | 303 |
| Equity capital to assets | 6.7342% | 7,737 |
| Core capital (leverage) ratio | 6.4678% | 7,809 |
| Tier 1 risk-based capital ratio | 8.5467% | 7,839 |
| Total risk-based capital ratio | 9.8301% | 7,869 |
| Memoranda: | ||
| Average total assets | $102,051,670 | 5,098 |
| Average earning assets | $94,665,670 | 5,053 |
| Average equity | $8,034,670 | 6,013 |
| Average total loans | $84,574,000 | 4,445 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9237% | 7,118 |
| Cost of funding earning assets | 2.7707% | 1,053 |
| Net interest margin | 2.1530% | 7,824 |
| Noninterest income to average assets | 0.1429% | 7,275 |
| Noninterest expense to average assets | 2.1146% | 7,081 |
| Loan and lease loss provision to assets | 2.8167% | 398 |
| Net operating income to assets | -1.6941% | 7,572 |
| Return on assets (ROA) | -1.6941% | 7,571 |
| Pretax return on assets | -2.7963% | 7,716 |
| Return on Equity (ROE) | -19.8993% | 7,751 |
| Retained earnings to average equity (ytd only) | -19.8993% | 7,642 |
| Net charge-offs to loans | 1.2531% | 1,121 |
| Credit loss provision to net charge-offs | 254.6125% | 1,852 |
| Earnings coverage of net charge-offs (x) | 0.0185% | 4,961 |
| Efficiency ratio | 99.0440% | 1,173 |
| Assets per employee ($millions) | 6.0033% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5015% | 765 |
| Loan loss allowance to noncurrent loans | 58.1893% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 5.2377% | 840 |
| Noncurrent loans to loans | 4.2989% | 1,365 |
| Net loans and leases to total assets | 86.0660% | 435 |
| Net loans and leases to deposits | 96.0151% | 1,944 |
| Net loans and leases to core deposits | 133.4749% | 1,445 |
| Total domestic deposits to total assets | 89.6380% | 958 |
| Equity capital to assets | 8.4016% | 6,232 |
| Core capital (leverage) ratio | 7.4284% | 7,240 |
| Tier 1 risk-based capital ratio | 9.0479% | 7,764 |
| Total risk-based capital ratio | 10.3156% | 7,768 |
| Memoranda: | ||
| Average total assets | $97,985,500 | 5,237 |
| Average earning assets | $90,664,000 | 5,198 |
| Average equity | $8,342,000 | 5,937 |
| Average total loans | $86,504,500 | 4,409 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3315% | 3,778 |
| Cost of funding earning assets | 3.2584% | 1,028 |
| Net interest margin | 3.0731% | 6,732 |
| Noninterest income to average assets | 0.1566% | 7,305 |
| Noninterest expense to average assets | 1.7636% | 7,795 |
| Loan and lease loss provision to assets | 1.1732% | 1,234 |
| Net operating income to assets | 0.0416% | 6,254 |
| Return on assets (ROA) | 0.0416% | 6,111 |
| Pretax return on assets | 0.0831% | 5,982 |
| Return on Equity (ROE) | 0.4450% | 6,099 |
| Retained earnings to average equity (ytd only) | -3.0237% | 6,118 |
| Net charge-offs to loans | 0.7756% | 1,606 |
| Credit loss provision to net charge-offs | 161.6740% | 3,195 |
| Earnings coverage of net charge-offs (x) | 1.7313% | 5,212 |
| Efficiency ratio | 58.3980% | 6,625 |
| Assets per employee ($millions) | 6.2449% | 1,012 |
| Cash dividends to net income (ytd only)* | 779.4872% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9293% | 1,364 |
| Loan loss allowance to noncurrent loans | 43.1980% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 4.7759% | 757 |
| Noncurrent loans to loans | 4.4662% | 1,068 |
| Net loans and leases to total assets | 86.5880% | 528 |
| Net loans and leases to deposits | 96.7222% | 2,330 |
| Net loans and leases to core deposits | 130.5188% | 1,817 |
| Total domestic deposits to total assets | 89.5224% | 838 |
| Equity capital to assets | 8.6211% | 5,898 |
| Core capital (leverage) ratio | 7.7131% | 6,904 |
| Tier 1 risk-based capital ratio | 8.8240% | 7,889 |
| Total risk-based capital ratio | 10.0838% | 7,929 |
| Memoranda: | ||
| Average total assets | $93,844,400 | 5,228 |
| Average earning assets | $87,436,400 | 5,168 |
| Average equity | $8,764,200 | 5,824 |
| Average total loans | $87,803,800 | 4,292 |