Home > The Bank of Asheville > Performance and Condition Ratios
The Bank of Asheville, 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 | 4.9585% | 4,748 |
| Cost of funding earning assets | 1.4395% | 3,022 |
| Net interest margin | 3.5190% | 5,167 |
| Noninterest income to average assets | 0.7149% | 2,756 |
| Noninterest expense to average assets | 4.1512% | 959 |
| Loan and lease loss provision to assets | 9.0195% | 10 |
| Net operating income to assets | -9.3911% | 7,635 |
| Return on assets (ROA) | -9.1099% | 7,633 |
| Pretax return on assets | -8.8961% | 7,632 |
| Return on Equity (ROE) | -199.8120% | 7,647 |
| Retained earnings to average equity (ytd only) | -199.8120% | 7,647 |
| Net charge-offs to loans | 8.1584% | 36 |
| Credit loss provision to net charge-offs | 135.5677% | 2,862 |
| Earnings coverage of net charge-offs (x) | -0.0237% | 6,150 |
| Efficiency ratio | 103.9505% | 674 |
| Assets per employee ($millions) | 3.6594% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3169% | 158 |
| Loan loss allowance to noncurrent loans | 22.7982% | 6,704 |
| Noncurrent assets plus other real estate owned to assets | 19.6081% | 72 |
| Noncurrent loans to loans | 23.3217% | 51 |
| Net loans and leases to total assets | 74.1862% | 1,621 |
| Net loans and leases to deposits | 76.2440% | 3,800 |
| Net loans and leases to core deposits | 83.4656% | 3,672 |
| Total domestic deposits to total assets | 97.3010% | 14 |
| Equity capital to assets | 0.2664% | 7,646 |
| Core capital (leverage) ratio | 0.3111% | 7,647 |
| Tier 1 risk-based capital ratio | 0.4068% | 7,647 |
| Total risk-based capital ratio | 0.8136% | 7,647 |
| Memoranda: | ||
| Average total assets | $212,350,400 | 2,957 |
| Average earning assets | $197,841,400 | 2,905 |
| Average equity | $9,681,600 | 5,214 |
| Average total loans | $173,170,600 | 2,429 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1984% | 3,840 |
| Cost of funding earning assets | 1.5098% | 2,916 |
| Net interest margin | 3.6886% | 4,465 |
| Noninterest income to average assets | 0.7139% | 2,745 |
| Noninterest expense to average assets | 4.0788% | 956 |
| Loan and lease loss provision to assets | 11.8288% | 5 |
| Net operating income to assets | -11.9084% | 7,750 |
| Return on assets (ROA) | -11.5947% | 7,750 |
| Pretax return on assets | -11.4478% | 7,749 |
| Return on Equity (ROE) | -207.5693% | 7,748 |
| Retained earnings to average equity (ytd only) | -207.5693% | 7,748 |
| Net charge-offs to loans | 10.6363% | 22 |
| Credit loss provision to net charge-offs | 135.1059% | 2,979 |
| Earnings coverage of net charge-offs (x) | 0.0077% | 6,025 |
| Efficiency ratio | 98.3786% | 810 |
| Assets per employee ($millions) | 3.3630% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1116% | 160 |
| Loan loss allowance to noncurrent loans | 27.7942% | 6,464 |
| Noncurrent assets plus other real estate owned to assets | 17.1115% | 103 |
| Noncurrent loans to loans | 18.3909% | 99 |
| Net loans and leases to total assets | 80.4179% | 678 |
| Net loans and leases to deposits | 83.3028% | 2,838 |
| Net loans and leases to core deposits | 93.4959% | 2,593 |
| Total domestic deposits to total assets | 96.5369% | 19 |
| Equity capital to assets | 0.8110% | 7,749 |
| Core capital (leverage) ratio | 0.6456% | 7,748 |
| Tier 1 risk-based capital ratio | 0.8169% | 7,748 |
| Total risk-based capital ratio | 1.6338% | 7,748 |
| Memoranda: | ||
| Average total assets | $214,206,750 | 2,986 |
| Average earning assets | $199,314,250 | 2,932 |
| Average equity | $11,965,500 | 4,687 |
| Average total loans | $176,322,500 | 2,433 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1368% | 4,265 |
| Cost of funding earning assets | 1.5701% | 2,837 |
| Net interest margin | 3.5667% | 4,962 |
| Noninterest income to average assets | 0.7253% | 2,548 |
| Noninterest expense to average assets | 3.5033% | 2,023 |
| Loan and lease loss provision to assets | 13.1529% | 3 |
| Net operating income to assets | -12.6805% | 7,822 |
| Return on assets (ROA) | -12.6805% | 7,822 |
| Pretax return on assets | -12.6025% | 7,820 |
| Return on Equity (ROE) | -181.3223% | 7,793 |
| Retained earnings to average equity (ytd only) | -181.3223% | 7,793 |
| Net charge-offs to loans | 15.3717% | 11 |
| Credit loss provision to net charge-offs | 104.8648% | 3,890 |
| Earnings coverage of net charge-offs (x) | 0.0439% | 5,671 |
| Efficiency ratio | 86.4236% | 1,658 |
| Assets per employee ($millions) | 3.6271% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4554% | 1,358 |
| Loan loss allowance to noncurrent loans | 16.8370% | 7,075 |
| Noncurrent assets plus other real estate owned to assets | 12.9750% | 222 |
| Noncurrent loans to loans | 14.5836% | 180 |
| Net loans and leases to total assets | 77.6898% | 1,166 |
| Net loans and leases to deposits | 82.5450% | 3,175 |
| Net loans and leases to core deposits | 90.9515% | 3,133 |
| Total domestic deposits to total assets | 94.1181% | 69 |
| Equity capital to assets | 3.0113% | 7,755 |
| Core capital (leverage) ratio | 2.6322% | 7,755 |
| Tier 1 risk-based capital ratio | 3.3648% | 7,762 |
| Total risk-based capital ratio | 4.6284% | 7,764 |
| Memoranda: | ||
| Average total assets | $220,590,330 | 2,930 |
| Average earning assets | $205,849,000 | 2,859 |
| Average equity | $15,426,670 | 3,906 |
| Average total loans | $179,993,330 | 2,424 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2843% | 3,620 |
| Cost of funding earning assets | 1.6083% | 2,913 |
| Net interest margin | 3.6760% | 4,366 |
| Noninterest income to average assets | 0.7450% | 2,325 |
| Noninterest expense to average assets | 3.2945% | 2,549 |
| Loan and lease loss provision to assets | 0.7825% | 1,614 |
| Net operating income to assets | 0.1304% | 5,928 |
| Return on assets (ROA) | 0.1304% | 6,049 |
| Pretax return on assets | 0.0983% | 6,139 |
| Return on Equity (ROE) | 1.4660% | 5,976 |
| Retained earnings to average equity (ytd only) | 1.4660% | 5,216 |
| Net charge-offs to loans | 0.9439% | 1,709 |
| Credit loss provision to net charge-offs | 100.4587% | 3,373 |
| Earnings coverage of net charge-offs (x) | 1.1307% | 4,089 |
| Efficiency ratio | 78.9046% | 2,740 |
| Assets per employee ($millions) | 4.0043% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9091% | 2,414 |
| Loan loss allowance to noncurrent loans | 13.7615% | 7,244 |
| Noncurrent assets plus other real estate owned to assets | 11.9442% | 262 |
| Noncurrent loans to loans | 13.8727% | 218 |
| Net loans and leases to total assets | 80.5170% | 764 |
| Net loans and leases to deposits | 91.1626% | 1,733 |
| Net loans and leases to core deposits | 95.1225% | 2,686 |
| Total domestic deposits to total assets | 88.3224% | 1,892 |
| Equity capital to assets | 9.0688% | 5,175 |
| Core capital (leverage) ratio | 8.9782% | 4,607 |
| Tier 1 risk-based capital ratio | 10.4345% | 6,692 |
| Total risk-based capital ratio | 11.6915% | 6,690 |
| Memoranda: | ||
| Average total assets | $223,887,500 | 2,940 |
| Average earning assets | $208,921,000 | 2,886 |
| Average equity | $19,918,000 | 3,212 |
| Average total loans | $184,771,000 | 2,432 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9174% | 2,168 |
| Cost of funding earning assets | 2.0719% | 2,613 |
| Net interest margin | 3.8455% | 3,506 |
| Noninterest income to average assets | 0.8162% | 2,325 |
| Noninterest expense to average assets | 3.1392% | 3,590 |
| Loan and lease loss provision to assets | 1.4806% | 1,555 |
| Net operating income to assets | -0.0152% | 5,516 |
| Return on assets (ROA) | -0.0152% | 5,565 |
| Pretax return on assets | -0.1564% | 5,654 |
| Return on Equity (ROE) | -0.1658% | 5,568 |
| Retained earnings to average equity (ytd only) | -0.8040% | 5,205 |
| Net charge-offs to loans | 1.2453% | 1,976 |
| Credit loss provision to net charge-offs | 143.9177% | 3,326 |
| Earnings coverage of net charge-offs (x) | 1.2871% | 4,842 |
| Efficiency ratio | 70.3330% | 4,555 |
| Assets per employee ($millions) | 4.0642% | 3,684 |
| Cash dividends to net income (ytd only)* | -384.8485% | 7,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8935% | 2,274 |
| Loan loss allowance to noncurrent loans | 13.7931% | 7,291 |
| Noncurrent assets plus other real estate owned to assets | 11.6193% | 274 |
| Noncurrent loans to loans | 13.7280% | 216 |
| Net loans and leases to total assets | 81.4032% | 779 |
| Net loans and leases to deposits | 91.7124% | 1,930 |
| Net loans and leases to core deposits | 106.2620% | 3,305 |
| Total domestic deposits to total assets | 88.7592% | 1,594 |
| Equity capital to assets | 8.7235% | 5,557 |
| Core capital (leverage) ratio | 8.5223% | 5,244 |
| Tier 1 risk-based capital ratio | 9.9057% | 6,949 |
| Total risk-based capital ratio | 11.1628% | 6,921 |
| Memoranda: | ||
| Average total assets | $217,348,400 | 2,978 |
| Average earning assets | $206,137,400 | 2,888 |
| Average equity | $19,900,600 | 3,219 |
| Average total loans | $179,555,600 | 2,518 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1679% | 1,451 |
| Cost of funding earning assets | 2.1699% | 2,556 |
| Net interest margin | 3.9980% | 2,836 |
| Noninterest income to average assets | 0.8711% | 2,097 |
| Noninterest expense to average assets | 3.1510% | 3,456 |
| Loan and lease loss provision to assets | 0.8310% | 2,302 |
| Net operating income to assets | 0.5097% | 3,942 |
| Return on assets (ROA) | 0.5097% | 4,026 |
| Pretax return on assets | 0.6969% | 3,867 |
| Return on Equity (ROE) | 5.4996% | 3,737 |
| Retained earnings to average equity (ytd only) | 4.9130% | 2,548 |
| Net charge-offs to loans | 0.2658% | 4,378 |
| Credit loss provision to net charge-offs | 378.8732% | 1,061 |
| Earnings coverage of net charge-offs (x) | 6.9662% | 2,505 |
| Efficiency ratio | 67.3445% | 5,112 |
| Assets per employee ($millions) | 3.9884% | 3,756 |
| Cash dividends to net income (ytd only)* | 10.6667% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 2,040 |
| Loan loss allowance to noncurrent loans | 57.9138% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 3.0060% | 2,309 |
| Noncurrent loans to loans | 3.2776% | 2,311 |
| Net loans and leases to total assets | 81.4515% | 904 |
| Net loans and leases to deposits | 92.3837% | 2,172 |
| Net loans and leases to core deposits | 104.5168% | 3,870 |
| Total domestic deposits to total assets | 88.1666% | 1,585 |
| Equity capital to assets | 9.2259% | 5,122 |
| Core capital (leverage) ratio | 8.9867% | 4,666 |
| Tier 1 risk-based capital ratio | 10.3802% | 6,591 |
| Total risk-based capital ratio | 11.6374% | 6,524 |
| Memoranda: | ||
| Average total assets | $215,802,250 | 3,016 |
| Average earning assets | $205,531,750 | 2,913 |
| Average equity | $20,000,750 | 3,231 |
| Average total loans | $178,075,750 | 2,567 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2094% | 1,422 |
| Cost of funding earning assets | 2.2748% | 2,468 |
| Net interest margin | 3.9346% | 2,957 |
| Noninterest income to average assets | 0.8505% | 2,179 |
| Noninterest expense to average assets | 3.2191% | 3,276 |
| Loan and lease loss provision to assets | 0.4463% | 3,304 |
| Net operating income to assets | 0.6498% | 3,466 |
| Return on assets (ROA) | 0.6498% | 3,574 |
| Pretax return on assets | 0.9283% | 3,246 |
| Return on Equity (ROE) | 7.0004% | 3,203 |
| Retained earnings to average equity (ytd only) | 6.5559% | 1,768 |
| Net charge-offs to loans | 0.1799% | 4,450 |
| Credit loss provision to net charge-offs | 301.2658% | 1,540 |
| Earnings coverage of net charge-offs (x) | 9.2785% | 2,153 |
| Efficiency ratio | 70.0755% | 4,764 |
| Assets per employee ($millions) | 3.8496% | 3,980 |
| Cash dividends to net income (ytd only)* | 6.3492% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 2,838 |
| Loan loss allowance to noncurrent loans | 149.5013% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.9450% | 5,091 |
| Noncurrent loans to loans | 1.0547% | 5,105 |
| Net loans and leases to total assets | 79.6172% | 1,374 |
| Net loans and leases to deposits | 90.4404% | 2,758 |
| Net loans and leases to core deposits | 104.7161% | 3,989 |
| Total domestic deposits to total assets | 88.0327% | 1,752 |
| Equity capital to assets | 9.0511% | 5,244 |
| Core capital (leverage) ratio | 9.2383% | 4,256 |
| Tier 1 risk-based capital ratio | 10.7347% | 6,154 |
| Total risk-based capital ratio | 11.9880% | 6,088 |
| Memoranda: | ||
| Average total assets | $213,286,330 | 3,069 |
| Average earning assets | $202,919,670 | 2,965 |
| Average equity | $19,799,000 | 3,275 |
| Average total loans | $175,620,330 | 2,630 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1865% | 1,643 |
| Cost of funding earning assets | 2.3583% | 2,473 |
| Net interest margin | 3.8282% | 3,347 |
| Noninterest income to average assets | 0.7816% | 2,421 |
| Noninterest expense to average assets | 3.2666% | 2,749 |
| Loan and lease loss provision to assets | 0.4897% | 2,516 |
| Net operating income to assets | 0.4916% | 4,459 |
| Return on assets (ROA) | 0.4916% | 4,647 |
| Pretax return on assets | 0.6664% | 4,537 |
| Return on Equity (ROE) | 5.2261% | 4,373 |
| Retained earnings to average equity (ytd only) | 4.3279% | 3,504 |
| Net charge-offs to loans | 0.2472% | 3,169 |
| Credit loss provision to net charge-offs | 238.3178% | 1,949 |
| Earnings coverage of net charge-offs (x) | 5.6262% | 2,641 |
| Efficiency ratio | 73.8602% | 3,851 |
| Assets per employee ($millions) | 3.9621% | 3,744 |
| Cash dividends to net income (ytd only)* | 17.1875% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5302% | 2,814 |
| Loan loss allowance to noncurrent loans | 248.1928% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.6001% | 5,678 |
| Noncurrent loans to loans | 0.6165% | 5,855 |
| Net loans and leases to total assets | 80.5441% | 1,282 |
| Net loans and leases to deposits | 91.8740% | 2,622 |
| Net loans and leases to core deposits | 107.2759% | 3,765 |
| Total domestic deposits to total assets | 87.6680% | 1,899 |
| Equity capital to assets | 9.2435% | 5,022 |
| Core capital (leverage) ratio | 9.4846% | 4,004 |
| Tier 1 risk-based capital ratio | 10.7698% | 6,121 |
| Total risk-based capital ratio | 12.0228% | 6,025 |
| Memoranda: | ||
| Average total assets | $208,291,500 | 3,136 |
| Average earning assets | $198,107,500 | 3,041 |
| Average equity | $19,594,000 | 3,324 |
| Average total loans | $173,123,500 | 2,675 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9520% | 1,255 |
| Cost of funding earning assets | 2.7193% | 3,067 |
| Net interest margin | 4.2327% | 2,186 |
| Noninterest income to average assets | 0.8490% | 2,239 |
| Noninterest expense to average assets | 3.2877% | 3,005 |
| Loan and lease loss provision to assets | 0.3811% | 3,410 |
| Net operating income to assets | 0.7600% | 3,615 |
| Return on assets (ROA) | 0.7600% | 3,458 |
| Pretax return on assets | 1.1706% | 2,766 |
| Return on Equity (ROE) | 7.5846% | 3,247 |
| Retained earnings to average equity (ytd only) | 7.1781% | 1,095 |
| Net charge-offs to loans | 0.1806% | 4,381 |
| Credit loss provision to net charge-offs | 262.3616% | 1,768 |
| Earnings coverage of net charge-offs (x) | 10.6827% | 2,476 |
| Efficiency ratio | 67.9366% | 4,730 |
| Assets per employee ($millions) | 3.8232% | 3,914 |
| Cash dividends to net income (ytd only)* | 5.3597% | 4,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 2,799 |
| Loan loss allowance to noncurrent loans | 944.0299% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 6,636 |
| Noncurrent loans to loans | 0.1565% | 6,939 |
| Net loans and leases to total assets | 83.2614% | 1,005 |
| Net loans and leases to deposits | 98.1814% | 2,096 |
| Net loans and leases to core deposits | 116.3236% | 3,090 |
| Total domestic deposits to total assets | 84.8036% | 2,932 |
| Equity capital to assets | 9.5797% | 4,575 |
| Core capital (leverage) ratio | 9.7920% | 3,657 |
| Tier 1 risk-based capital ratio | 10.7695% | 5,938 |
| Total risk-based capital ratio | 12.0212% | 5,846 |
| Memoranda: | ||
| Average total assets | $186,573,800 | 3,315 |
| Average earning assets | $175,892,000 | 3,244 |
| Average equity | $18,695,800 | 3,442 |
| Average total loans | $150,045,800 | 2,931 |