Home > Evergreen State Bank > Performance and Condition Ratios
Evergreen State 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 | 4.8914% | 5,076 |
| Cost of funding earning assets | 2.8197% | 41 |
| Net interest margin | 2.0717% | 7,438 |
| Noninterest income to average assets | -0.3712% | 7,532 |
| Noninterest expense to average assets | 3.6026% | 1,916 |
| Loan and lease loss provision to assets | 4.4092% | 122 |
| Net operating income to assets | -8.8562% | 7,629 |
| Return on assets (ROA) | -8.5280% | 7,626 |
| Pretax return on assets | -6.2160% | 7,587 |
| Return on Equity (ROE) | -188.5804% | 7,646 |
| Retained earnings to average equity (ytd only) | -188.5804% | 7,646 |
| Net charge-offs to loans | 6.6794% | 70 |
| Credit loss provision to net charge-offs | 105.0706% | 4,270 |
| Earnings coverage of net charge-offs (x) | -0.5088% | 6,461 |
| Efficiency ratio | 245.4756% | 53 |
| Assets per employee ($millions) | 4.9173% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8418% | 214 |
| Loan loss allowance to noncurrent loans | 30.6676% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 10.3379% | 387 |
| Noncurrent loans to loans | 15.7881% | 134 |
| Net loans and leases to total assets | 58.1160% | 5,011 |
| Net loans and leases to deposits | 72.2944% | 4,466 |
| Net loans and leases to core deposits | 81.5536% | 3,967 |
| Total domestic deposits to total assets | 80.3880% | 5,725 |
| Equity capital to assets | 0.1100% | 7,648 |
| Core capital (leverage) ratio | 0.3258% | 7,646 |
| Tier 1 risk-based capital ratio | 0.4861% | 7,646 |
| Total risk-based capital ratio | 0.9723% | 7,646 |
| Memoranda: | ||
| Average total assets | $265,056,800 | 2,400 |
| Average earning assets | $235,271,200 | 2,472 |
| Average equity | $11,986,400 | 4,611 |
| Average total loans | $166,527,000 | 2,522 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0186% | 4,723 |
| Cost of funding earning assets | 2.8666% | 45 |
| Net interest margin | 2.1520% | 7,532 |
| Noninterest income to average assets | -0.5002% | 7,678 |
| Noninterest expense to average assets | 3.1694% | 3,031 |
| Loan and lease loss provision to assets | 5.7481% | 57 |
| Net operating income to assets | -10.5151% | 7,746 |
| Return on assets (ROA) | -10.3995% | 7,745 |
| Pretax return on assets | -7.3840% | 7,720 |
| Return on Equity (ROE) | -188.9909% | 7,744 |
| Retained earnings to average equity (ytd only) | -188.9909% | 7,744 |
| Net charge-offs to loans | 8.4789% | 37 |
| Credit loss provision to net charge-offs | 107.2399% | 3,980 |
| Earnings coverage of net charge-offs (x) | -0.3268% | 6,258 |
| Efficiency ratio | 223.5172% | 58 |
| Assets per employee ($millions) | 4.6506% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7233% | 215 |
| Loan loss allowance to noncurrent loans | 42.4389% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 8.3575% | 583 |
| Noncurrent loans to loans | 11.1296% | 339 |
| Net loans and leases to total assets | 60.1508% | 4,882 |
| Net loans and leases to deposits | 75.9539% | 4,185 |
| Net loans and leases to core deposits | 95.1117% | 2,369 |
| Total domestic deposits to total assets | 79.1938% | 5,972 |
| Equity capital to assets | 1.3161% | 7,737 |
| Core capital (leverage) ratio | 0.8750% | 7,743 |
| Tier 1 risk-based capital ratio | 1.2551% | 7,742 |
| Total risk-based capital ratio | 2.5102% | 7,742 |
| Memoranda: | ||
| Average total assets | $271,083,750 | 2,382 |
| Average earning assets | $241,630,500 | 2,448 |
| Average equity | $14,916,750 | 4,005 |
| Average total loans | $171,370,000 | 2,493 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1373% | 4,263 |
| Cost of funding earning assets | 2.9107% | 46 |
| Net interest margin | 2.2266% | 7,568 |
| Noninterest income to average assets | 0.0279% | 7,437 |
| Noninterest expense to average assets | 2.9970% | 3,723 |
| Loan and lease loss provision to assets | 3.4732% | 253 |
| Net operating income to assets | -8.8541% | 7,800 |
| Return on assets (ROA) | -8.7574% | 7,797 |
| Pretax return on assets | -4.3669% | 7,638 |
| Return on Equity (ROE) | -130.0427% | 7,769 |
| Retained earnings to average equity (ytd only) | -130.0427% | 7,769 |
| Net charge-offs to loans | 3.8681% | 344 |
| Credit loss provision to net charge-offs | 141.9789% | 2,805 |
| Earnings coverage of net charge-offs (x) | -0.4049% | 5,985 |
| Efficiency ratio | 149.3576% | 211 |
| Assets per employee ($millions) | 4.9006% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7077% | 218 |
| Loan loss allowance to noncurrent loans | 49.5999% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 7.7663% | 646 |
| Noncurrent loans to loans | 9.4914% | 485 |
| Net loans and leases to total assets | 61.1544% | 4,847 |
| Net loans and leases to deposits | 79.3980% | 3,715 |
| Net loans and leases to core deposits | 102.2067% | 1,810 |
| Total domestic deposits to total assets | 77.0226% | 6,502 |
| Equity capital to assets | 4.3759% | 7,672 |
| Core capital (leverage) ratio | 3.9459% | 7,683 |
| Tier 1 risk-based capital ratio | 5.6500% | 7,672 |
| Total risk-based capital ratio | 6.9342% | 7,672 |
| Memoranda: | ||
| Average total assets | $279,283,670 | 2,336 |
| Average earning assets | $248,186,000 | 2,412 |
| Average equity | $18,807,670 | 3,329 |
| Average total loans | $176,622,670 | 2,458 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1685% | 4,204 |
| Cost of funding earning assets | 2.9037% | 58 |
| Net interest margin | 2.2648% | 7,617 |
| Noninterest income to average assets | 0.3601% | 5,259 |
| Noninterest expense to average assets | 2.9029% | 4,047 |
| Loan and lease loss provision to assets | 0.1745% | 4,777 |
| Net operating income to assets | -0.4098% | 6,767 |
| Return on assets (ROA) | -0.3866% | 6,789 |
| Pretax return on assets | -0.6825% | 6,889 |
| Return on Equity (ROE) | -4.9417% | 6,880 |
| Retained earnings to average equity (ytd only) | -4.9417% | 6,585 |
| Net charge-offs to loans | 0.4000% | 2,845 |
| Credit loss provision to net charge-offs | 69.4444% | 4,110 |
| Earnings coverage of net charge-offs (x) | -2.1667% | 5,483 |
| Efficiency ratio | 123.0769% | 410 |
| Assets per employee ($millions) | 5.4511% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6561% | 484 |
| Loan loss allowance to noncurrent loans | 63.0426% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 5.2598% | 1,200 |
| Noncurrent loans to loans | 5.7994% | 1,160 |
| Net loans and leases to total assets | 59.3415% | 5,234 |
| Net loans and leases to deposits | 78.8519% | 3,870 |
| Net loans and leases to core deposits | 110.2123% | 1,257 |
| Total domestic deposits to total assets | 75.2569% | 6,870 |
| Equity capital to assets | 7.8056% | 6,843 |
| Core capital (leverage) ratio | 6.0118% | 7,579 |
| Tier 1 risk-based capital ratio | 7.7114% | 7,641 |
| Total risk-based capital ratio | 8.9827% | 7,648 |
| Memoranda: | ||
| Average total assets | $286,610,500 | 2,336 |
| Average earning assets | $252,916,500 | 2,417 |
| Average equity | $22,421,500 | 2,887 |
| Average total loans | $180,020,000 | 2,488 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2293% | 5,512 |
| Cost of funding earning assets | 3.2250% | 115 |
| Net interest margin | 2.0043% | 7,742 |
| Noninterest income to average assets | 0.3116% | 5,855 |
| Noninterest expense to average assets | 2.8307% | 4,830 |
| Loan and lease loss provision to assets | 1.8372% | 1,224 |
| Net operating income to assets | -1.5162% | 6,866 |
| Return on assets (ROA) | -1.2182% | 6,718 |
| Pretax return on assets | -2.1091% | 6,979 |
| Return on Equity (ROE) | -14.0771% | 6,882 |
| Retained earnings to average equity (ytd only) | -14.0771% | 6,822 |
| Net charge-offs to loans | 0.7228% | 3,024 |
| Credit loss provision to net charge-offs | 371.2579% | 861 |
| Earnings coverage of net charge-offs (x) | -1.4905% | 6,957 |
| Efficiency ratio | 135.2384% | 423 |
| Assets per employee ($millions) | 5.4675% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6031% | 487 |
| Loan loss allowance to noncurrent loans | 53.2289% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 5.9688% | 948 |
| Noncurrent loans to loans | 6.7691% | 861 |
| Net loans and leases to total assets | 61.7385% | 5,045 |
| Net loans and leases to deposits | 81.9185% | 3,629 |
| Net loans and leases to core deposits | 93.9739% | 4,677 |
| Total domestic deposits to total assets | 75.3658% | 6,797 |
| Equity capital to assets | 7.8407% | 6,728 |
| Core capital (leverage) ratio | 6.2421% | 7,575 |
| Tier 1 risk-based capital ratio | 8.0300% | 7,650 |
| Total risk-based capital ratio | 9.3014% | 7,657 |
| Memoranda: | ||
| Average total assets | $287,562,400 | 2,292 |
| Average earning assets | $255,599,000 | 2,362 |
| Average equity | $24,884,400 | 2,619 |
| Average total loans | $196,884,200 | 2,321 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2505% | 5,684 |
| Cost of funding earning assets | 3.2543% | 161 |
| Net interest margin | 1.9962% | 7,812 |
| Noninterest income to average assets | 0.4143% | 5,179 |
| Noninterest expense to average assets | 2.8069% | 4,866 |
| Loan and lease loss provision to assets | 2.3270% | 729 |
| Net operating income to assets | -1.7374% | 7,211 |
| Return on assets (ROA) | -1.3542% | 7,036 |
| Pretax return on assets | -2.3427% | 7,297 |
| Return on Equity (ROE) | -15.2952% | 7,205 |
| Retained earnings to average equity (ytd only) | -15.2952% | 7,154 |
| Net charge-offs to loans | 0.9731% | 2,025 |
| Credit loss provision to net charge-offs | 343.7842% | 1,191 |
| Earnings coverage of net charge-offs (x) | -0.9078% | 6,609 |
| Efficiency ratio | 128.0261% | 493 |
| Assets per employee ($millions) | 5.3939% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2529% | 529 |
| Loan loss allowance to noncurrent loans | 63.1166% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 5.2113% | 1,117 |
| Noncurrent loans to loans | 5.1538% | 1,252 |
| Net loans and leases to total assets | 65.2304% | 4,596 |
| Net loans and leases to deposits | 87.2348% | 3,101 |
| Net loans and leases to core deposits | 98.2166% | 4,577 |
| Total domestic deposits to total assets | 74.7757% | 6,812 |
| Equity capital to assets | 8.4592% | 6,299 |
| Core capital (leverage) ratio | 6.5698% | 7,642 |
| Tier 1 risk-based capital ratio | 8.1551% | 7,772 |
| Total risk-based capital ratio | 9.4233% | 7,786 |
| Memoranda: | ||
| Average total assets | $288,375,000 | 2,307 |
| Average earning assets | $256,884,250 | 2,366 |
| Average equity | $25,532,500 | 2,584 |
| Average total loans | $200,582,500 | 2,314 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1725% | 6,177 |
| Cost of funding earning assets | 3.2796% | 220 |
| Net interest margin | 1.8929% | 7,911 |
| Noninterest income to average assets | 0.6549% | 3,308 |
| Noninterest expense to average assets | 2.9391% | 4,339 |
| Loan and lease loss provision to assets | 3.0656% | 491 |
| Net operating income to assets | -2.1643% | 7,469 |
| Return on assets (ROA) | -1.8257% | 7,370 |
| Pretax return on assets | -3.1320% | 7,602 |
| Return on Equity (ROE) | -20.3215% | 7,510 |
| Retained earnings to average equity (ytd only) | -20.3215% | 7,462 |
| Net charge-offs to loans | -0.0650% | 7,889 |
| Credit loss provision to net charge-offs | -6,716.6667% | 7,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.4057% | 578 |
| Assets per employee ($millions) | 5.4654% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6640% | 331 |
| Loan loss allowance to noncurrent loans | 42.7224% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 7.4475% | 538 |
| Noncurrent loans to loans | 8.5763% | 480 |
| Net loans and leases to total assets | 66.6094% | 4,436 |
| Net loans and leases to deposits | 90.2166% | 2,802 |
| Net loans and leases to core deposits | 101.7588% | 4,300 |
| Total domestic deposits to total assets | 73.8328% | 6,973 |
| Equity capital to assets | 8.5003% | 6,049 |
| Core capital (leverage) ratio | 7.3799% | 7,152 |
| Tier 1 risk-based capital ratio | 8.6320% | 7,827 |
| Total risk-based capital ratio | 9.8716% | 7,862 |
| Memoranda: | ||
| Average total assets | $289,207,000 | 2,325 |
| Average earning assets | $258,019,670 | 2,370 |
| Average equity | $25,982,330 | 2,557 |
| Average total loans | $203,193,330 | 2,315 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2819% | 5,963 |
| Cost of funding earning assets | 3.3224% | 252 |
| Net interest margin | 1.9594% | 7,912 |
| Noninterest income to average assets | 0.5595% | 3,845 |
| Noninterest expense to average assets | 2.8042% | 4,544 |
| Loan and lease loss provision to assets | 0.1028% | 5,656 |
| Net operating income to assets | -0.5512% | 6,928 |
| Return on assets (ROA) | 0.0946% | 6,158 |
| Pretax return on assets | 0.0507% | 6,278 |
| Return on Equity (ROE) | 1.0262% | 6,118 |
| Retained earnings to average equity (ytd only) | 1.0262% | 5,232 |
| Net charge-offs to loans | 0.1046% | 4,128 |
| Credit loss provision to net charge-offs | 138.8889% | 2,926 |
| Earnings coverage of net charge-offs (x) | -6.6481% | 5,587 |
| Efficiency ratio | 121.2930% | 613 |
| Assets per employee ($millions) | 5.5179% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 3,801 |
| Loan loss allowance to noncurrent loans | 31.4101% | 6,447 |
| Noncurrent assets plus other real estate owned to assets | 4.5077% | 1,067 |
| Noncurrent loans to loans | 4.2980% | 1,366 |
| Net loans and leases to total assets | 69.3214% | 3,840 |
| Net loans and leases to deposits | 94.5411% | 2,185 |
| Net loans and leases to core deposits | 107.8356% | 3,708 |
| Total domestic deposits to total assets | 73.3241% | 6,997 |
| Equity capital to assets | 9.3189% | 4,912 |
| Core capital (leverage) ratio | 8.1436% | 6,195 |
| Tier 1 risk-based capital ratio | 10.1797% | 6,735 |
| Total risk-based capital ratio | 11.3474% | 6,723 |
| Memoranda: | ||
| Average total assets | $291,709,000 | 2,324 |
| Average earning assets | $260,892,000 | 2,357 |
| Average equity | $26,894,500 | 2,500 |
| Average total loans | $206,537,000 | 2,303 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1615% | 4,714 |
| Cost of funding earning assets | 3.7160% | 254 |
| Net interest margin | 2.4455% | 7,811 |
| Noninterest income to average assets | 0.8103% | 2,460 |
| Noninterest expense to average assets | 2.7676% | 4,969 |
| Loan and lease loss provision to assets | 1.0305% | 1,420 |
| Net operating income to assets | -0.3497% | 6,770 |
| Return on assets (ROA) | -0.8293% | 7,063 |
| Pretax return on assets | -1.5543% | 7,283 |
| Return on Equity (ROE) | -9.7933% | 7,267 |
| Retained earnings to average equity (ytd only) | -9.7933% | 7,055 |
| Net charge-offs to loans | 0.5024% | 2,351 |
| Credit loss provision to net charge-offs | 300.6166% | 1,499 |
| Earnings coverage of net charge-offs (x) | 0.6578% | 5,828 |
| Efficiency ratio | 92.4670% | 1,356 |
| Assets per employee ($millions) | 5.7016% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 3,945 |
| Loan loss allowance to noncurrent loans | 31.2218% | 6,644 |
| Noncurrent assets plus other real estate owned to assets | 4.3840% | 879 |
| Noncurrent loans to loans | 4.0914% | 1,191 |
| Net loans and leases to total assets | 70.4066% | 3,923 |
| Net loans and leases to deposits | 96.8677% | 2,307 |
| Net loans and leases to core deposits | 111.6558% | 3,598 |
| Total domestic deposits to total assets | 72.6833% | 6,886 |
| Equity capital to assets | 9.1236% | 5,190 |
| Core capital (leverage) ratio | 8.5852% | 5,412 |
| Tier 1 risk-based capital ratio | 10.2344% | 6,480 |
| Total risk-based capital ratio | 11.3258% | 6,533 |
| Memoranda: | ||
| Average total assets | $283,852,800 | 2,293 |
| Average earning assets | $253,362,000 | 2,338 |
| Average equity | $24,036,800 | 2,727 |
| Average total loans | $193,673,800 | 2,358 |