Home > Evergreen Bank > Performance and Condition Ratios
Evergreen 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 | 5.2900% | 5,229 |
| Cost of funding earning assets | 2.2238% | 1,926 |
| Net interest margin | 3.0662% | 6,477 |
| Noninterest income to average assets | 0.2396% | 6,372 |
| Noninterest expense to average assets | 3.3506% | 2,831 |
| Loan and lease loss provision to assets | 5.3437% | 165 |
| Net operating income to assets | -5.6086% | 7,805 |
| Return on assets (ROA) | -5.4667% | 7,788 |
| Pretax return on assets | -5.4264% | 7,752 |
| Return on Equity (ROE) | -134.4161% | 7,981 |
| Retained earnings to average equity (ytd only) | -134.4161% | 7,981 |
| Net charge-offs to loans | 2.7919% | 797 |
| Credit loss provision to net charge-offs | 223.0054% | 1,686 |
| Earnings coverage of net charge-offs (x) | -0.0937% | 6,327 |
| Efficiency ratio | 107.1855% | 866 |
| Assets per employee ($millions) | 4.9498% | 2,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5460% | 79 |
| Loan loss allowance to noncurrent loans | 33.4151% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 19.5502% | 60 |
| Noncurrent loans to loans | 19.5900% | 74 |
| Net loans and leases to total assets | 87.4299% | 200 |
| Net loans and leases to deposits | 101.7119% | 774 |
| Net loans and leases to core deposits | 149.9340% | 508 |
| Total domestic deposits to total assets | 85.9584% | 3,042 |
| Equity capital to assets | 1.8208% | 7,963 |
| Core capital (leverage) ratio | 1.6620% | 7,966 |
| Tier 1 risk-based capital ratio | 2.1352% | 7,967 |
| Total risk-based capital ratio | 3.4444% | 7,968 |
| Memoranda: | ||
| Average total assets | $466,570,600 | 1,485 |
| Average earning assets | $439,204,200 | 1,439 |
| Average equity | $18,975,400 | 3,347 |
| Average total loans | $400,438,600 | 1,199 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2564% | 5,650 |
| Cost of funding earning assets | 2.2469% | 2,200 |
| Net interest margin | 3.0095% | 6,584 |
| Noninterest income to average assets | 0.2591% | 6,377 |
| Noninterest expense to average assets | 3.2301% | 3,187 |
| Loan and lease loss provision to assets | 6.8651% | 77 |
| Net operating income to assets | -7.0099% | 7,977 |
| Return on assets (ROA) | -6.9686% | 7,975 |
| Pretax return on assets | -6.9686% | 7,958 |
| Return on Equity (ROE) | -153.9606% | 8,058 |
| Retained earnings to average equity (ytd only) | -153.9606% | 8,058 |
| Net charge-offs to loans | 3.6093% | 410 |
| Credit loss provision to net charge-offs | 225.7720% | 1,935 |
| Earnings coverage of net charge-offs (x) | -0.0476% | 6,127 |
| Efficiency ratio | 104.6943% | 892 |
| Assets per employee ($millions) | 5.8036% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3574% | 67 |
| Loan loss allowance to noncurrent loans | 37.4873% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 14.8275% | 124 |
| Noncurrent loans to loans | 16.9589% | 102 |
| Net loans and leases to total assets | 74.5714% | 2,351 |
| Net loans and leases to deposits | 81.8289% | 4,058 |
| Net loans and leases to core deposits | 111.3008% | 3,091 |
| Total domestic deposits to total assets | 91.1308% | 372 |
| Equity capital to assets | 1.5887% | 8,065 |
| Core capital (leverage) ratio | 1.4386% | 8,064 |
| Tier 1 risk-based capital ratio | 2.0682% | 8,059 |
| Total risk-based capital ratio | 3.3876% | 8,058 |
| Memoranda: | ||
| Average total assets | $484,218,250 | 1,444 |
| Average earning assets | $454,719,500 | 1,400 |
| Average equity | $21,916,750 | 2,982 |
| Average total loans | $407,934,500 | 1,199 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3758% | 5,271 |
| Cost of funding earning assets | 2.2668% | 2,503 |
| Net interest margin | 3.1090% | 6,206 |
| Noninterest income to average assets | 0.1130% | 7,417 |
| Noninterest expense to average assets | 3.1774% | 3,403 |
| Loan and lease loss provision to assets | 7.5269% | 82 |
| Net operating income to assets | -7.6840% | 8,074 |
| Return on assets (ROA) | -7.6836% | 8,065 |
| Pretax return on assets | -7.6836% | 8,047 |
| Return on Equity (ROE) | -139.7381% | 8,119 |
| Retained earnings to average equity (ytd only) | -139.7381% | 8,117 |
| Net charge-offs to loans | 4.6846% | 269 |
| Credit loss provision to net charge-offs | 187.3268% | 2,449 |
| Earnings coverage of net charge-offs (x) | -0.0391% | 5,732 |
| Efficiency ratio | 105.2014% | 990 |
| Assets per employee ($millions) | 5.8819% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7384% | 150 |
| Loan loss allowance to noncurrent loans | 50.9202% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 8.5066% | 416 |
| Noncurrent loans to loans | 9.3056% | 411 |
| Net loans and leases to total assets | 75.5448% | 2,299 |
| Net loans and leases to deposits | 90.1963% | 2,806 |
| Net loans and leases to core deposits | 106.8323% | 3,741 |
| Total domestic deposits to total assets | 83.7561% | 3,892 |
| Equity capital to assets | 2.7991% | 8,123 |
| Core capital (leverage) ratio | 2.7846% | 8,130 |
| Tier 1 risk-based capital ratio | 3.6368% | 8,130 |
| Total risk-based capital ratio | 4.9321% | 8,130 |
| Memoranda: | ||
| Average total assets | $485,057,330 | 1,459 |
| Average earning assets | $453,584,670 | 1,420 |
| Average equity | $26,671,330 | 2,506 |
| Average total loans | $416,046,670 | 1,205 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5899% | 4,420 |
| Cost of funding earning assets | 2.3811% | 2,375 |
| Net interest margin | 3.2088% | 5,833 |
| Noninterest income to average assets | 0.3472% | 5,667 |
| Noninterest expense to average assets | 3.0295% | 3,636 |
| Loan and lease loss provision to assets | 0.0463% | 6,390 |
| Net operating income to assets | 0.2604% | 5,438 |
| Return on assets (ROA) | 0.2612% | 5,602 |
| Pretax return on assets | 0.2612% | 5,781 |
| Return on Equity (ROE) | 3.7658% | 5,050 |
| Retained earnings to average equity (ytd only) | 3.7658% | 3,803 |
| Net charge-offs to loans | 0.3882% | 2,546 |
| Credit loss provision to net charge-offs | 13.3820% | 5,161 |
| Earnings coverage of net charge-offs (x) | 0.8856% | 4,320 |
| Efficiency ratio | 90.8058% | 1,665 |
| Assets per employee ($millions) | 5.6796% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3902% | 859 |
| Loan loss allowance to noncurrent loans | 34.2681% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 7.1062% | 470 |
| Noncurrent loans to loans | 6.9749% | 577 |
| Net loans and leases to total assets | 84.7955% | 579 |
| Net loans and leases to deposits | 107.0116% | 787 |
| Net loans and leases to core deposits | 122.9302% | 2,171 |
| Total domestic deposits to total assets | 79.2395% | 5,628 |
| Equity capital to assets | 6.7754% | 7,774 |
| Core capital (leverage) ratio | 6.9080% | 7,690 |
| Tier 1 risk-based capital ratio | 7.9509% | 8,017 |
| Total risk-based capital ratio | 9.2157% | 8,039 |
| Memoranda: | ||
| Average total assets | $474,664,000 | 1,506 |
| Average earning assets | $442,157,000 | 1,463 |
| Average equity | $32,927,500 | 2,054 |
| Average total loans | $423,496,500 | 1,198 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7467% | 1,879 |
| Cost of funding earning assets | 2.8998% | 2,268 |
| Net interest margin | 3.8468% | 3,806 |
| Noninterest income to average assets | 1.7870% | 424 |
| Noninterest expense to average assets | 3.6374% | 2,065 |
| Loan and lease loss provision to assets | 2.6792% | 370 |
| Net operating income to assets | -0.7701% | 7,118 |
| Return on assets (ROA) | -0.7701% | 7,019 |
| Pretax return on assets | -0.9220% | 6,956 |
| Return on Equity (ROE) | -8.9993% | 7,199 |
| Retained earnings to average equity (ytd only) | -11.3945% | 7,197 |
| Net charge-offs to loans | 1.3927% | 845 |
| Credit loss provision to net charge-offs | 212.4889% | 2,276 |
| Earnings coverage of net charge-offs (x) | 1.3937% | 5,429 |
| Efficiency ratio | 67.4265% | 4,835 |
| Assets per employee ($millions) | 5.2373% | 1,701 |
| Cash dividends to net income (ytd only)* | -26.6143% | 7,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4837% | 692 |
| Loan loss allowance to noncurrent loans | 43.8019% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 6.2636% | 460 |
| Noncurrent loans to loans | 5.6704% | 680 |
| Net loans and leases to total assets | 89.4314% | 241 |
| Net loans and leases to deposits | 114.8367% | 581 |
| Net loans and leases to core deposits | 135.7248% | 1,507 |
| Total domestic deposits to total assets | 77.8770% | 5,755 |
| Equity capital to assets | 7.1083% | 7,678 |
| Core capital (leverage) ratio | 7.0474% | 7,657 |
| Tier 1 risk-based capital ratio | 7.6906% | 8,114 |
| Total risk-based capital ratio | 8.9558% | 8,142 |
| Memoranda: | ||
| Average total assets | $446,442,800 | 1,537 |
| Average earning assets | $418,681,800 | 1,491 |
| Average equity | $38,202,800 | 1,767 |
| Average total loans | $404,191,600 | 1,200 |