Home > The Bank of Quapaw > Performance and Condition Ratios
The Bank of Quapaw, 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 | 5.2426% | 3,399 |
| Cost of funding earning assets | 0.4061% | 7,422 |
| Net interest margin | 4.8364% | 625 |
| Noninterest income to average assets | 0.6161% | 3,371 |
| Noninterest expense to average assets | 5.5601% | 290 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -1.0519% | 6,715 |
| Return on assets (ROA) | -1.0519% | 6,746 |
| Pretax return on assets | -1.0068% | 6,646 |
| Return on Equity (ROE) | -4.5686% | 6,397 |
| Retained earnings to average equity (ytd only) | -17.6217% | 6,959 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.1122% | 391 |
| Assets per employee ($millions) | 6.2920% | 1,039 |
| Cash dividends to net income (ytd only)* | -285.7143% | 7,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3416% | 1,627 |
| Loan loss allowance to noncurrent loans | 84.7826% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 4.9110% | 1,312 |
| Noncurrent loans to loans | 2.7619% | 2,756 |
| Net loans and leases to total assets | 51.7006% | 5,960 |
| Net loans and leases to deposits | 65.4527% | 5,460 |
| Net loans and leases to core deposits | 65.4527% | 5,931 |
| Total domestic deposits to total assets | 78.9892% | 6,081 |
| Equity capital to assets | 20.9313% | 211 |
| Core capital (leverage) ratio | 11.9630% | 1,574 |
| Tier 1 risk-based capital ratio | 22.5775% | 1,094 |
| Total risk-based capital ratio | 23.8049% | 1,083 |
| Memoranda: | ||
| Average total assets | $6,654,600 | 7,648 |
| Average earning assets | $5,417,200 | 7,640 |
| Average equity | $1,532,200 | 7,583 |
| Average total loans | $3,106,200 | 7,592 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1281% | 4,179 |
| Cost of funding earning assets | 0.4132% | 7,556 |
| Net interest margin | 4.7149% | 812 |
| Noninterest income to average assets | 0.7313% | 2,631 |
| Noninterest expense to average assets | 4.5660% | 553 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.0593% | 6,118 |
| Return on assets (ROA) | -0.0593% | 6,226 |
| Pretax return on assets | 0.0000% | 6,087 |
| Return on Equity (ROE) | -0.2522% | 6,174 |
| Retained earnings to average equity (ytd only) | -0.2522% | 5,844 |
| Net charge-offs to loans | 0.0436% | 6,102 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 6,029 |
| Efficiency ratio | 100.0000% | 741 |
| Assets per employee ($millions) | 2.1533% | 7,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4507% | 1,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.1022% | 1,683 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 47.4458% | 6,566 |
| Net loans and leases to deposits | 63.1048% | 6,013 |
| Net loans and leases to core deposits | 63.1048% | 6,366 |
| Total domestic deposits to total assets | 75.1858% | 6,783 |
| Equity capital to assets | 24.6594% | 139 |
| Core capital (leverage) ratio | 16.0732% | 550 |
| Tier 1 risk-based capital ratio | 31.7554% | 443 |
| Total risk-based capital ratio | 33.1361% | 429 |
| Memoranda: | ||
| Average total assets | $6,745,250 | 7,751 |
| Average earning assets | $5,486,000 | 7,743 |
| Average equity | $1,586,000 | 7,668 |
| Average total loans | $3,050,000 | 7,693 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8566% | 5,584 |
| Cost of funding earning assets | 0.4285% | 7,634 |
| Net interest margin | 4.4280% | 1,371 |
| Noninterest income to average assets | 0.7602% | 2,323 |
| Noninterest expense to average assets | 4.4735% | 594 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.1170% | 6,255 |
| Return on assets (ROA) | -0.1170% | 6,324 |
| Pretax return on assets | -0.0877% | 6,233 |
| Return on Equity (ROE) | -0.5052% | 6,253 |
| Retained earnings to average equity (ytd only) | -0.5052% | 5,848 |
| Net charge-offs to loans | 0.1325% | 4,886 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -1.5000% | 6,175 |
| Efficiency ratio | 102.0000% | 735 |
| Assets per employee ($millions) | 1.7193% | 7,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3617% | 1,488 |
| Loan loss allowance to noncurrent loans | 86.3636% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 3.7953% | 1,836 |
| Noncurrent loans to loans | 2.7346% | 2,914 |
| Net loans and leases to total assets | 45.6885% | 6,796 |
| Net loans and leases to deposits | 59.4400% | 6,463 |
| Net loans and leases to core deposits | 59.4400% | 6,746 |
| Total domestic deposits to total assets | 76.8649% | 6,537 |
| Equity capital to assets | 23.1060% | 167 |
| Core capital (leverage) ratio | 15.4573% | 642 |
| Tier 1 risk-based capital ratio | 31.0389% | 456 |
| Total risk-based capital ratio | 32.2933% | 454 |
| Memoranda: | ||
| Average total assets | $6,840,330 | 7,818 |
| Average earning assets | $5,600,670 | 7,811 |
| Average equity | $1,583,670 | 7,734 |
| Average total loans | $3,019,330 | 7,764 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6830% | 6,305 |
| Cost of funding earning assets | 0.5043% | 7,666 |
| Net interest margin | 4.1787% | 2,127 |
| Noninterest income to average assets | 0.5863% | 3,364 |
| Noninterest expense to average assets | 4.5734% | 531 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.5863% | 6,887 |
| Return on assets (ROA) | -0.5863% | 6,921 |
| Pretax return on assets | -0.5863% | 6,842 |
| Return on Equity (ROE) | -2.5300% | 6,696 |
| Retained earnings to average equity (ytd only) | -2.5300% | 6,295 |
| Net charge-offs to loans | 0.2740% | 3,318 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -5.0000% | 5,535 |
| Efficiency ratio | 114.7059% | 519 |
| Assets per employee ($millions) | 1.6850% | 7,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5974% | 1,181 |
| Loan loss allowance to noncurrent loans | 87.3563% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 4.4214% | 1,535 |
| Noncurrent loans to loans | 2.9733% | 2,700 |
| Net loans and leases to total assets | 42.2849% | 7,107 |
| Net loans and leases to deposits | 55.2112% | 6,831 |
| Net loans and leases to core deposits | 55.2112% | 7,035 |
| Total domestic deposits to total assets | 76.5875% | 6,645 |
| Equity capital to assets | 23.4125% | 175 |
| Core capital (leverage) ratio | 15.4589% | 659 |
| Tier 1 risk-based capital ratio | 32.4324% | 425 |
| Total risk-based capital ratio | 33.6824% | 418 |
| Memoranda: | ||
| Average total assets | $6,822,000 | 7,923 |
| Average earning assets | $5,552,000 | 7,913 |
| Average equity | $1,581,000 | 7,823 |
| Average total loans | $2,920,000 | 7,865 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9293% | 6,641 |
| Cost of funding earning assets | 0.7765% | 7,590 |
| Net interest margin | 4.1527% | 2,239 |
| Noninterest income to average assets | 0.3378% | 5,673 |
| Noninterest expense to average assets | 4.1664% | 1,137 |
| Loan and lease loss provision to assets | 0.4504% | 4,125 |
| Net operating income to assets | 0.0282% | 5,401 |
| Return on assets (ROA) | 0.0282% | 5,453 |
| Pretax return on assets | -0.8164% | 6,276 |
| Return on Equity (ROE) | 0.1248% | 5,498 |
| Retained earnings to average equity (ytd only) | 0.1248% | 4,828 |
| Net charge-offs to loans | 0.1351% | 5,853 |
| Credit loss provision to net charge-offs | 800.0000% | 365 |
| Earnings coverage of net charge-offs (x) | -6.5000% | 7,131 |
| Efficiency ratio | 109.6296% | 803 |
| Assets per employee ($millions) | 1.7260% | 7,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6767% | 1,041 |
| Loan loss allowance to noncurrent loans | 38.2353% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 4.1860% | 1,557 |
| Noncurrent loans to loans | 7.0007% | 798 |
| Net loans and leases to total assets | 41.0776% | 7,297 |
| Net loans and leases to deposits | 53.3183% | 7,092 |
| Net loans and leases to core deposits | 55.4773% | 7,420 |
| Total domestic deposits to total assets | 77.0423% | 6,468 |
| Equity capital to assets | 22.9432% | 204 |
| Core capital (leverage) ratio | 14.8007% | 826 |
| Tier 1 risk-based capital ratio | 32.5059% | 429 |
| Total risk-based capital ratio | 33.7806% | 412 |
| Memoranda: | ||
| Average total assets | $7,104,400 | 8,000 |
| Average earning assets | $5,923,800 | 7,992 |
| Average equity | $1,602,600 | 7,908 |
| Average total loans | $2,960,600 | 7,938 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9990% | 6,607 |
| Cost of funding earning assets | 0.7777% | 7,724 |
| Net interest margin | 4.2215% | 1,969 |
| Noninterest income to average assets | 0.3355% | 5,803 |
| Noninterest expense to average assets | 4.1558% | 1,077 |
| Loan and lease loss provision to assets | 0.5964% | 3,006 |
| Net operating income to assets | 0.2422% | 5,018 |
| Return on assets (ROA) | 0.2422% | 5,099 |
| Pretax return on assets | -0.8760% | 6,584 |
| Return on Equity (ROE) | 1.0782% | 5,469 |
| Retained earnings to average equity (ytd only) | 1.0782% | 4,714 |
| Net charge-offs to loans | 0.1793% | 4,955 |
| Credit loss provision to net charge-offs | 800.0000% | 477 |
| Earnings coverage of net charge-offs (x) | -3.7523% | 6,822 |
| Efficiency ratio | 107.2115% | 828 |
| Assets per employee ($millions) | 1.7600% | 7,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6549% | 920 |
| Loan loss allowance to noncurrent loans | 31.9672% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 4.0057% | 1,596 |
| Noncurrent loans to loans | 8.3050% | 568 |
| Net loans and leases to total assets | 40.6250% | 7,429 |
| Net loans and leases to deposits | 52.6995% | 7,274 |
| Net loans and leases to core deposits | 54.7893% | 7,578 |
| Total domestic deposits to total assets | 77.0881% | 6,317 |
| Equity capital to assets | 22.8125% | 220 |
| Core capital (leverage) ratio | 15.3306% | 799 |
| Tier 1 risk-based capital ratio | 33.0420% | 443 |
| Total risk-based capital ratio | 34.3193% | 427 |
| Memoranda: | ||
| Average total assets | $7,154,500 | 8,085 |
| Average earning assets | $6,001,000 | 8,076 |
| Average equity | $1,607,250 | 7,992 |
| Average total loans | $2,972,250 | 8,020 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0876% | 6,482 |
| Cost of funding earning assets | 0.8313% | 7,780 |
| Net interest margin | 4.2563% | 1,793 |
| Noninterest income to average assets | 0.2781% | 6,277 |
| Noninterest expense to average assets | 4.1709% | 1,105 |
| Loan and lease loss provision to assets | 0.8898% | 1,898 |
| Net operating income to assets | 0.3893% | 4,557 |
| Return on assets (ROA) | 0.3893% | 4,656 |
| Pretax return on assets | -1.2235% | 6,955 |
| Return on Equity (ROE) | 1.7417% | 5,393 |
| Retained earnings to average equity (ytd only) | 1.7417% | 4,375 |
| Net charge-offs to loans | 0.1341% | 4,820 |
| Credit loss provision to net charge-offs | 1,600.0000% | 319 |
| Earnings coverage of net charge-offs (x) | -6.0000% | 6,475 |
| Efficiency ratio | 108.6957% | 886 |
| Assets per employee ($millions) | 1.7840% | 7,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8954% | 616 |
| Loan loss allowance to noncurrent loans | 38.6473% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 3.4473% | 1,805 |
| Noncurrent loans to loans | 7.4919% | 623 |
| Net loans and leases to total assets | 37.5981% | 7,651 |
| Net loans and leases to deposits | 48.6580% | 7,539 |
| Net loans and leases to core deposits | 51.5268% | 7,725 |
| Total domestic deposits to total assets | 77.2702% | 6,264 |
| Equity capital to assets | 22.4776% | 269 |
| Core capital (leverage) ratio | 14.4328% | 1,036 |
| Tier 1 risk-based capital ratio | 32.8203% | 473 |
| Total risk-based capital ratio | 34.0917% | 462 |
| Memoranda: | ||
| Average total assets | $7,192,670 | 8,179 |
| Average earning assets | $6,014,670 | 8,170 |
| Average equity | $1,607,670 | 8,071 |
| Average total loans | $2,983,670 | 8,110 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4612% | 5,117 |
| Cost of funding earning assets | 0.8658% | 7,850 |
| Net interest margin | 4.5954% | 946 |
| Noninterest income to average assets | 0.1662% | 7,115 |
| Noninterest expense to average assets | 3.9330% | 1,265 |
| Loan and lease loss provision to assets | 1.7726% | 695 |
| Net operating income to assets | 1.5510% | 853 |
| Return on assets (ROA) | 1.5510% | 929 |
| Pretax return on assets | -1.7172% | 7,444 |
| Return on Equity (ROE) | 6.9587% | 3,613 |
| Retained earnings to average equity (ytd only) | 6.9587% | 2,226 |
| Net charge-offs to loans | 0.2586% | 3,112 |
| Credit loss provision to net charge-offs | 1,600.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 4,584 |
| Efficiency ratio | 98.6111% | 1,187 |
| Assets per employee ($millions) | 1.8590% | 7,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7407% | 605 |
| Loan loss allowance to noncurrent loans | 37.2093% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 3.4293% | 1,575 |
| Noncurrent loans to loans | 7.3655% | 518 |
| Net loans and leases to total assets | 38.1791% | 7,657 |
| Net loans and leases to deposits | 48.8809% | 7,539 |
| Net loans and leases to core deposits | 51.6088% | 7,739 |
| Total domestic deposits to total assets | 78.1065% | 5,978 |
| Equity capital to assets | 21.7725% | 314 |
| Core capital (leverage) ratio | 14.7081% | 1,031 |
| Tier 1 risk-based capital ratio | 32.0245% | 531 |
| Total risk-based capital ratio | 33.2797% | 516 |
| Memoranda: | ||
| Average total assets | $7,221,000 | 8,230 |
| Average earning assets | $6,006,000 | 8,220 |
| Average equity | $1,609,500 | 8,128 |
| Average total loans | $3,094,000 | 8,164 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4266% | 3,290 |
| Cost of funding earning assets | 1.5169% | 7,579 |
| Net interest margin | 4.9096% | 624 |
| Noninterest income to average assets | 0.2799% | 6,462 |
| Noninterest expense to average assets | 4.0301% | 1,373 |
| Loan and lease loss provision to assets | 0.2099% | 4,792 |
| Net operating income to assets | 0.0700% | 6,181 |
| Return on assets (ROA) | 0.0700% | 6,033 |
| Pretax return on assets | 0.2519% | 5,623 |
| Return on Equity (ROE) | 0.3127% | 6,129 |
| Retained earnings to average equity (ytd only) | 0.3127% | 5,053 |
| Net charge-offs to loans | 0.4208% | 2,715 |
| Credit loss provision to net charge-offs | 115.3846% | 4,676 |
| Earnings coverage of net charge-offs (x) | 2.5385% | 4,806 |
| Efficiency ratio | 89.7196% | 1,535 |
| Assets per employee ($millions) | 1.7515% | 8,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5295% | 2,544 |
| Loan loss allowance to noncurrent loans | 22.2222% | 7,136 |
| Noncurrent assets plus other real estate owned to assets | 3.7825% | 1,134 |
| Noncurrent loans to loans | 6.8828% | 448 |
| Net loans and leases to total assets | 45.9463% | 7,333 |
| Net loans and leases to deposits | 60.3600% | 7,057 |
| Net loans and leases to core deposits | 64.0342% | 7,442 |
| Total domestic deposits to total assets | 76.1205% | 6,211 |
| Equity capital to assets | 22.8376% | 322 |
| Core capital (leverage) ratio | 14.6426% | 1,108 |
| Tier 1 risk-based capital ratio | 30.1810% | 631 |
| Total risk-based capital ratio | 31.4919% | 610 |
| Memoranda: | ||
| Average total assets | $7,146,200 | 8,286 |
| Average earning assets | $6,130,800 | 8,276 |
| Average equity | $1,598,800 | 8,198 |
| Average total loans | $3,089,000 | 8,217 |