Home > Evermore Bank > Performance and Condition Ratios
Evermore Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6547% | 510 |
| Cost of funding earning assets | 3.1386% | 233 |
| Net interest margin | 3.5161% | 2,272 |
| Noninterest income to average assets | 0.1600% | 3,792 |
| Noninterest expense to average assets | 2.9738% | 1,174 |
| Loan and lease loss provision to assets | 0.5700% | 161 |
| Net operating income to assets | 0.0661% | 4,103 |
| Return on assets (ROA) | 0.0661% | 4,129 |
| Pretax return on assets | 0.0661% | 4,137 |
| Return on Equity (ROE) | 0.3600% | 4,155 |
| Retained earnings to average equity (ytd only) | 0.3550% | 3,612 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 82.4703% | 796 |
| Assets per employee ($millions) | 7.6862% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 3,470 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 80.6900% | 529 |
| Net loans and leases to deposits | 99.6025% | 431 |
| Net loans and leases to core deposits | 126.7415% | 391 |
| Total domestic deposits to total assets | 81.0100% | 3,480 |
| Equity capital to assets | 17.8530% | 356 |
| Core capital (leverage) ratio | 18.9637% | 289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0170% | 458 |
| Memoranda: | ||
| Average total assets | $205,662,500 | 2,983 |
| Average earning assets | $201,360,500 | 2,907 |
| Average equity | $38,307,500 | 2,093 |
| Average total loans | $157,436,500 | 2,696 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0332% | 380 |
| Cost of funding earning assets | 3.2342% | 316 |
| Net interest margin | 3.7990% | 1,504 |
| Noninterest income to average assets | 0.1600% | 3,940 |
| Noninterest expense to average assets | 3.4732% | 611 |
| Loan and lease loss provision to assets | 0.3900% | 293 |
| Net operating income to assets | 0.0013% | 4,163 |
| Return on assets (ROA) | 0.0013% | 4,196 |
| Pretax return on assets | 0.0013% | 4,179 |
| Return on Equity (ROE) | 0.0100% | 4,193 |
| Retained earnings to average equity (ytd only) | 0.0065% | 3,900 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 89.9198% | 507 |
| Assets per employee ($millions) | 7.2634% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 3,356 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 70.4800% | 1,835 |
| Net loans and leases to deposits | 88.9418% | 1,303 |
| Net loans and leases to core deposits | 112.9968% | 817 |
| Total domestic deposits to total assets | 79.2400% | 3,644 |
| Equity capital to assets | 19.4751% | 286 |
| Core capital (leverage) ratio | 20.3900% | 241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6558% | 296 |
| Memoranda: | ||
| Average total assets | $154,873,400 | 3,321 |
| Average earning assets | $150,827,200 | 3,246 |
| Average equity | $30,695,400 | 2,352 |
| Average total loans | $104,141,000 | 3,172 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0960% | 351 |
| Cost of funding earning assets | 3.1909% | 359 |
| Net interest margin | 3.9051% | 1,290 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 3.7316% | 452 |
| Loan and lease loss provision to assets | 0.3800% | 268 |
| Net operating income to assets | -0.1365% | 4,302 |
| Return on assets (ROA) | -0.1365% | 4,323 |
| Pretax return on assets | -0.1365% | 4,303 |
| Return on Equity (ROE) | -0.6800% | 4,271 |
| Retained earnings to average equity (ytd only) | -0.6847% | 4,100 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 93.7877% | 409 |
| Assets per employee ($millions) | 6.8693% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 3,287 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 62.1300% | 2,721 |
| Net loans and leases to deposits | 79.5454% | 2,227 |
| Net loans and leases to core deposits | 98.6492% | 1,572 |
| Total domestic deposits to total assets | 78.1100% | 3,712 |
| Equity capital to assets | 20.5078% | 257 |
| Core capital (leverage) ratio | 21.4981% | 213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6167% | 209 |
| Memoranda: | ||
| Average total assets | $144,563,750 | 3,412 |
| Average earning assets | $140,564,500 | 3,343 |
| Average equity | $28,821,000 | 2,423 |
| Average total loans | $95,282,750 | 3,253 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9550% | 385 |
| Cost of funding earning assets | 3.1160% | 380 |
| Net interest margin | 3.8391% | 1,360 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 3.9991% | 373 |
| Loan and lease loss provision to assets | 0.4300% | 213 |
| Net operating income to assets | -0.5133% | 4,409 |
| Return on assets (ROA) | -0.5133% | 4,436 |
| Pretax return on assets | -0.5133% | 4,422 |
| Return on Equity (ROE) | -2.6100% | 4,363 |
| Retained earnings to average equity (ytd only) | -2.6098% | 4,188 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 102.1459% | 252 |
| Assets per employee ($millions) | 6.0061% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 3,340 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 61.2200% | 2,846 |
| Net loans and leases to deposits | 73.5502% | 2,725 |
| Net loans and leases to core deposits | 86.3471% | 2,384 |
| Total domestic deposits to total assets | 83.2300% | 2,815 |
| Equity capital to assets | 15.2755% | 542 |
| Core capital (leverage) ratio | 17.3960% | 365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5843% | 391 |
| Memoranda: | ||
| Average total assets | $130,928,000 | 3,538 |
| Average earning assets | $126,958,333 | 3,477 |
| Average equity | $25,749,333 | 2,552 |
| Average total loans | $88,245,333 | 3,332 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0325% | 324 |
| Cost of funding earning assets | 2.9902% | 437 |
| Net interest margin | 4.0423% | 1,031 |
| Noninterest income to average assets | 0.1200% | 4,125 |
| Noninterest expense to average assets | 4.5732% | 267 |
| Loan and lease loss provision to assets | 0.3600% | 245 |
| Net operating income to assets | -0.9154% | 4,512 |
| Return on assets (ROA) | -0.9154% | 4,500 |
| Pretax return on assets | -0.9154% | 4,492 |
| Return on Equity (ROE) | -3.9900% | 4,397 |
| Retained earnings to average equity (ytd only) | -3.9877% | 4,076 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 113.7290% | 154 |
| Assets per employee ($millions) | 5.2295% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 3,343 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 67.5600% | 2,062 |
| Net loans and leases to deposits | 87.3185% | 1,422 |
| Net loans and leases to core deposits | 101.3095% | 1,339 |
| Total domestic deposits to total assets | 77.3700% | 3,866 |
| Equity capital to assets | 20.4601% | 271 |
| Core capital (leverage) ratio | 23.0317% | 183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4894% | 285 |
| Memoranda: | ||
| Average total assets | $112,306,500 | 3,711 |
| Average earning assets | $108,354,500 | 3,656 |
| Average equity | $25,779,500 | 2,562 |
| Average total loans | $80,379,500 | 3,433 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5607% | 331 |
| Cost of funding earning assets | 2.2602% | 582 |
| Net interest margin | 4.3006% | 815 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 6.0751% | 176 |
| Loan and lease loss provision to assets | 1.1100% | 60 |
| Net operating income to assets | -2.9712% | 4,581 |
| Return on assets (ROA) | -2.9712% | 4,578 |
| Pretax return on assets | -2.9712% | 4,576 |
| Return on Equity (ROE) | -7.9900% | 4,491 |
| Retained earnings to average equity (ytd only) | -7.9880% | 4,444 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 144.3118% | 50 |
| Assets per employee ($millions) | 4.3089% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 3,296 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 75.0300% | 1,239 |
| Net loans and leases to deposits | 105.0355% | 322 |
| Net loans and leases to core deposits | 111.8022% | 891 |
| Total domestic deposits to total assets | 71.4400% | 4,244 |
| Equity capital to assets | 26.1137% | 182 |
| Core capital (leverage) ratio | 27.7001% | 130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0703% | 217 |
| Memoranda: | ||
| Average total assets | $71,619,800 | 4,099 |
| Average earning assets | $67,782,000 | 4,059 |
| Average equity | $26,639,800 | 2,422 |
| Average total loans | $39,368,000 | 4,005 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2193% | 412 |
| Cost of funding earning assets | 2.0089% | 696 |
| Net interest margin | 4.2104% | 909 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 6.4432% | 167 |
| Loan and lease loss provision to assets | 1.4200% | 42 |
| Net operating income to assets | -3.8239% | 4,611 |
| Return on assets (ROA) | -3.8239% | 4,610 |
| Pretax return on assets | -3.8239% | 4,607 |
| Return on Equity (ROE) | -9.2300% | 4,536 |
| Retained earnings to average equity (ytd only) | -9.2283% | 4,496 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 159.5614% | 35 |
| Assets per employee ($millions) | 4.1670% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 2,940 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 68.6600% | 1,981 |
| Net loans and leases to deposits | 101.7028% | 444 |
| Net loans and leases to core deposits | 104.7928% | 1,072 |
| Total domestic deposits to total assets | 67.5100% | 4,377 |
| Equity capital to assets | 29.8087% | 162 |
| Core capital (leverage) ratio | 31.0291% | 119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.8437% | 159 |
| Memoranda: | ||
| Average total assets | $64,748,500 | 4,186 |
| Average earning assets | $60,927,500 | 4,145 |
| Average equity | $26,829,750 | 2,406 |
| Average total loans | $30,431,250 | 4,149 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5992% | 731 |
| Cost of funding earning assets | 1.6153% | 1,028 |
| Net interest margin | 3.9839% | 1,276 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 7.0956% | 146 |
| Loan and lease loss provision to assets | 1.7400% | 32 |
| Net operating income to assets | -5.0663% | 4,644 |
| Return on assets (ROA) | -5.0663% | 4,644 |
| Pretax return on assets | -5.0663% | 4,644 |
| Return on Equity (ROE) | -10.7000% | 4,580 |
| Retained earnings to average equity (ytd only) | -10.6950% | 4,523 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 188.1262% | 22 |
| Assets per employee ($millions) | 3.7543% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 2,632 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 50.6200% | 3,516 |
| Net loans and leases to deposits | 79.8879% | 1,993 |
| Net loans and leases to core deposits | 82.7435% | 2,280 |
| Total domestic deposits to total assets | 63.3600% | 4,462 |
| Equity capital to assets | 33.5350% | 149 |
| Core capital (leverage) ratio | 39.8460% | 94 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.1135% | 100 |
| Memoranda: | ||
| Average total assets | $57,162,000 | 4,280 |
| Average earning assets | $53,364,333 | 4,251 |
| Average equity | $27,078,000 | 2,410 |
| Average total loans | $20,327,333 | 4,324 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0222% | 1,189 |
| Cost of funding earning assets | 1.1900% | 1,480 |
| Net interest margin | 3.8322% | 1,618 |
| Noninterest income to average assets | 0.0300% | 4,580 |
| Noninterest expense to average assets | 8.5746% | 129 |
| Loan and lease loss provision to assets | 2.0100% | 29 |
| Net operating income to assets | -7.0203% | 4,676 |
| Return on assets (ROA) | -7.0203% | 4,673 |
| Pretax return on assets | -7.0203% | 4,674 |
| Return on Equity (ROE) | -11.8700% | 4,607 |
| Retained earnings to average equity (ytd only) | -11.8697% | 4,507 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 240.4358% | 17 |
| Assets per employee ($millions) | 3.2711% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 2,994 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 36.6400% | 4,165 |
| Net loans and leases to deposits | 77.5718% | 1,996 |
| Net loans and leases to core deposits | 77.5718% | 2,419 |
| Total domestic deposits to total assets | 47.2300% | 4,582 |
| Equity capital to assets | 48.5883% | 88 |
| Core capital (leverage) ratio | 57.1580% | 78 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 103.6084% | 61 |
| Memoranda: | ||
| Average total assets | $46,323,000 | 4,447 |
| Average earning assets | $42,690,500 | 4,428 |
| Average equity | $27,397,500 | 2,423 |
| Average total loans | $10,302,000 | 4,530 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3109% | 4,700 |
| Cost of funding earning assets | 0.0239% | 4,621 |
| Net interest margin | 0.2870% | 4,698 |
| Noninterest income to average assets | 0.0000% | 4,670 |
| Noninterest expense to average assets | 4.0229% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -3.7637% | 4,703 |
| Return on assets (ROA) | -3.7637% | 4,702 |
| Pretax return on assets | -3.7637% | 4,699 |
| Return on Equity (ROE) | -5.0200% | 4,629 |
| Retained earnings to average equity (ytd only) | -5.0187% | 4,573 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 1,552.0833% | 3 |
| Assets per employee ($millions) | 2.3149% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 18.9700% | 4,637 |
| Equity capital to assets | 74.9933% | 66 |
| Core capital (leverage) ratio | 77.5195% | 56 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 655.7129% | 5 |
| Memoranda: | ||
| Average total assets | $37,038,000 | 4,555 |
| Average earning assets | $33,449,000 | 4,538 |
| Average equity | $27,776,000 | 2,439 |
| Average total loans | $0 | 4,639 |