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AB&T National Bank, Performance and Condition Ratios
| 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 | 6.2614% | 4,175 |
| Cost of funding earning assets | 3.5868% | 405 |
| Net interest margin | 2.6746% | 7,541 |
| Noninterest income to average assets | 0.0926% | 7,669 |
| Noninterest expense to average assets | 8.5354% | 196 |
| Loan and lease loss provision to assets | 4.8193% | 117 |
| Net operating income to assets | -11.2393% | 8,267 |
| Return on assets (ROA) | -11.2393% | 8,266 |
| Pretax return on assets | -11.0902% | 8,256 |
| Return on Equity (ROE) | -93.1945% | 8,266 |
| Retained earnings to average equity (ytd only) | -93.1945% | 8,262 |
| Net charge-offs to loans | 7.9997% | 30 |
| Credit loss provision to net charge-offs | 93.0888% | 5,594 |
| Earnings coverage of net charge-offs (x) | -1.2113% | 6,626 |
| Efficiency ratio | 201.1088% | 198 |
| Assets per employee ($millions) | 3.9377% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4713% | 283 |
| Loan loss allowance to noncurrent loans | 51.4688% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 6.9529% | 383 |
| Noncurrent loans to loans | 6.7445% | 468 |
| Net loans and leases to total assets | 64.5153% | 5,170 |
| Net loans and leases to deposits | 68.4949% | 6,418 |
| Net loans and leases to core deposits | 100.1492% | 4,814 |
| Total domestic deposits to total assets | 94.1899% | 27 |
| Equity capital to assets | 5.1244% | 8,173 |
| Core capital (leverage) ratio | 4.5636% | 8,239 |
| Tier 1 risk-based capital ratio | 6.4140% | 8,212 |
| Total risk-based capital ratio | 7.6862% | 8,214 |
| Memoranda: | ||
| Average total assets | $63,722,800 | 6,241 |
| Average earning assets | $51,745,400 | 6,518 |
| Average equity | $7,685,000 | 6,217 |
| Average total loans | $41,238,800 | 6,111 |