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Access Bank, Performance and Condition Ratios
| 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 | 5.3504% | 3,299 |
| Cost of funding earning assets | 1.3515% | 4,483 |
| Net interest margin | 3.9989% | 2,878 |
| Noninterest income to average assets | 0.1776% | 6,689 |
| Noninterest expense to average assets | 6.9992% | 150 |
| Loan and lease loss provision to assets | 3.8489% | 232 |
| Net operating income to assets | -7.2834% | 7,848 |
| Return on assets (ROA) | -7.2834% | 7,849 |
| Pretax return on assets | -7.2715% | 7,841 |
| Return on Equity (ROE) | -1,185.5422% | 7,928 |
| Retained earnings to average equity (ytd only) | -1,185.5422% | 7,928 |
| Net charge-offs to loans | 1.9105% | 906 |
| Credit loss provision to net charge-offs | 282.6087% | 1,398 |
| Earnings coverage of net charge-offs (x) | -2.5130% | 5,492 |
| Efficiency ratio | 195.6954% | 98 |
| Assets per employee ($millions) | 3.9995% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5124% | 129 |
| Loan loss allowance to noncurrent loans | 295.3431% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 11.8734% | 270 |
| Noncurrent loans to loans | 1.8664% | 3,974 |
| Net loans and leases to total assets | 64.5549% | 4,203 |
| Net loans and leases to deposits | 64.6095% | 5,988 |
| Net loans and leases to core deposits | 64.6095% | 6,410 |
| Total domestic deposits to total assets | 99.9156% | 7 |
| Equity capital to assets | -0.3125% | 7,922 |
| Core capital (leverage) ratio | -0.2917% | 7,921 |
| Tier 1 risk-based capital ratio | -0.4529% | 7,921 |
| Total risk-based capital ratio | -0.4529% | 7,921 |
| Memoranda: | ||
| Average total assets | $33,775,500 | 7,318 |
| Average earning assets | $28,708,000 | 7,364 |
| Average equity | $207,500 | 7,924 |
| Average total loans | $24,077,000 | 6,939 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8247% | 2,553 |
| Cost of funding earning assets | 1.8280% | 3,845 |
| Net interest margin | 3.9968% | 2,875 |
| Noninterest income to average assets | -0.0426% | 7,761 |
| Noninterest expense to average assets | 5.3617% | 420 |
| Loan and lease loss provision to assets | 5.7794% | 127 |
| Net operating income to assets | -7.9055% | 7,929 |
| Return on assets (ROA) | -7.9055% | 7,923 |
| Pretax return on assets | -7.7511% | 7,905 |
| Return on Equity (ROE) | -149.5972% | 7,987 |
| Retained earnings to average equity (ytd only) | -149.5972% | 7,987 |
| Net charge-offs to loans | 7.0555% | 115 |
| Credit loss provision to net charge-offs | 106.8372% | 5,189 |
| Earnings coverage of net charge-offs (x) | -0.3645% | 6,595 |
| Efficiency ratio | 158.1633% | 260 |
| Assets per employee ($millions) | 3.9506% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7841% | 416 |
| Loan loss allowance to noncurrent loans | 58.8061% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 11.6692% | 267 |
| Noncurrent loans to loans | 6.4349% | 942 |
| Net loans and leases to total assets | 71.1545% | 2,960 |
| Net loans and leases to deposits | 72.5357% | 5,254 |
| Net loans and leases to core deposits | 77.5425% | 6,299 |
| Total domestic deposits to total assets | 98.0959% | 13 |
| Equity capital to assets | 1.4485% | 7,978 |
| Core capital (leverage) ratio | 1.3576% | 7,974 |
| Tier 1 risk-based capital ratio | 1.9973% | 7,971 |
| Total risk-based capital ratio | 3.2810% | 7,971 |
| Memoranda: | ||
| Average total assets | $37,581,600 | 7,185 |
| Average earning assets | $32,276,200 | 7,247 |
| Average equity | $1,986,000 | 7,845 |
| Average total loans | $28,814,200 | 6,702 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8903% | 2,495 |
| Cost of funding earning assets | 1.9253% | 3,744 |
| Net interest margin | 3.9650% | 2,966 |
| Noninterest income to average assets | 0.2520% | 6,429 |
| Noninterest expense to average assets | 5.6464% | 354 |
| Loan and lease loss provision to assets | 5.6149% | 128 |
| Net operating income to assets | -7.6137% | 8,000 |
| Return on assets (ROA) | -7.6137% | 7,998 |
| Pretax return on assets | -7.6137% | 7,987 |
| Return on Equity (ROE) | -123.2047% | 8,041 |
| Retained earnings to average equity (ytd only) | -123.2047% | 8,040 |
| Net charge-offs to loans | 7.0912% | 106 |
| Credit loss provision to net charge-offs | 102.4266% | 4,965 |
| Earnings coverage of net charge-offs (x) | -0.3646% | 6,397 |
| Efficiency ratio | 154.7985% | 291 |
| Assets per employee ($millions) | 3.4675% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1144% | 604 |
| Loan loss allowance to noncurrent loans | 128.8184% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 8.2036% | 512 |
| Noncurrent loans to loans | 2.4177% | 3,117 |
| Net loans and leases to total assets | 72.9144% | 2,818 |
| Net loans and leases to deposits | 75.9760% | 5,047 |
| Net loans and leases to core deposits | 81.9248% | 6,196 |
| Total domestic deposits to total assets | 95.9703% | 26 |
| Equity capital to assets | 3.4372% | 8,023 |
| Core capital (leverage) ratio | 3.4669% | 8,009 |
| Tier 1 risk-based capital ratio | 4.5412% | 8,015 |
| Total risk-based capital ratio | 5.8125% | 8,019 |
| Memoranda: | ||
| Average total assets | $38,088,250 | 7,229 |
| Average earning assets | $32,617,750 | 7,302 |
| Average equity | $2,353,750 | 7,835 |
| Average total loans | $29,444,250 | 6,709 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8204% | 2,955 |
| Cost of funding earning assets | 2.0800% | 3,364 |
| Net interest margin | 3.7404% | 3,791 |
| Noninterest income to average assets | 0.2942% | 6,153 |
| Noninterest expense to average assets | 5.0748% | 488 |
| Loan and lease loss provision to assets | 7.2865% | 88 |
| Net operating income to assets | -8.8363% | 8,093 |
| Return on assets (ROA) | -8.8363% | 8,087 |
| Pretax return on assets | -8.8363% | 8,073 |
| Return on Equity (ROE) | -124.5312% | 8,105 |
| Retained earnings to average equity (ytd only) | -124.5312% | 8,104 |
| Net charge-offs to loans | 10.5488% | 50 |
| Credit loss provision to net charge-offs | 88.5696% | 4,965 |
| Earnings coverage of net charge-offs (x) | -0.1884% | 5,875 |
| Efficiency ratio | 143.9642% | 401 |
| Assets per employee ($millions) | 3.4056% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3455% | 1,048 |
| Loan loss allowance to noncurrent loans | 99.4126% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 8.7769% | 395 |
| Noncurrent loans to loans | 2.3593% | 3,068 |
| Net loans and leases to total assets | 75.2416% | 2,382 |
| Net loans and leases to deposits | 79.4604% | 4,628 |
| Net loans and leases to core deposits | 86.6999% | 5,836 |
| Total domestic deposits to total assets | 94.6906% | 42 |
| Equity capital to assets | 4.8155% | 8,048 |
| Core capital (leverage) ratio | 4.5808% | 8,048 |
| Tier 1 risk-based capital ratio | 5.9556% | 8,059 |
| Total risk-based capital ratio | 7.2177% | 8,066 |
| Memoranda: | ||
| Average total assets | $38,070,330 | 7,291 |
| Average earning assets | $32,884,330 | 7,364 |
| Average equity | $2,701,330 | 7,819 |
| Average total loans | $29,690,670 | 6,753 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6616% | 3,986 |
| Cost of funding earning assets | 2.1997% | 3,169 |
| Net interest margin | 3.4619% | 4,888 |
| Noninterest income to average assets | 0.3023% | 6,021 |
| Noninterest expense to average assets | 4.9825% | 496 |
| Loan and lease loss provision to assets | 5.3994% | 145 |
| Net operating income to assets | -7.0776% | 8,123 |
| Return on assets (ROA) | -7.0776% | 8,115 |
| Pretax return on assets | -7.0776% | 8,083 |
| Return on Equity (ROE) | -86.2222% | 8,135 |
| Retained earnings to average equity (ytd only) | -86.2222% | 8,127 |
| Net charge-offs to loans | -0.2923% | 8,060 |
| Credit loss provision to net charge-offs | -2,354.5455% | 6,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.7886% | 349 |
| Assets per employee ($millions) | 3.1916% | 5,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6672% | 133 |
| Loan loss allowance to noncurrent loans | 100.4317% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 10.4833% | 206 |
| Noncurrent loans to loans | 4.6471% | 1,210 |
| Net loans and leases to total assets | 74.4536% | 2,636 |
| Net loans and leases to deposits | 80.6465% | 4,509 |
| Net loans and leases to core deposits | 91.1255% | 5,448 |
| Total domestic deposits to total assets | 92.3209% | 139 |
| Equity capital to assets | 7.3292% | 7,470 |
| Core capital (leverage) ratio | 7.3651% | 7,305 |
| Tier 1 risk-based capital ratio | 9.1326% | 7,718 |
| Total risk-based capital ratio | 10.4243% | 7,682 |
| Memoranda: | ||
| Average total assets | $38,374,500 | 7,322 |
| Average earning assets | $33,277,000 | 7,396 |
| Average equity | $3,150,000 | 7,740 |
| Average total loans | $30,104,000 | 6,757 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8120% | 1,638 |
| Cost of funding earning assets | 2.4285% | 4,583 |
| Net interest margin | 4.3836% | 1,740 |
| Noninterest income to average assets | 0.2051% | 6,976 |
| Noninterest expense to average assets | 15.7568% | 70 |
| Loan and lease loss provision to assets | 2.2963% | 488 |
| Net operating income to assets | -13.9374% | 8,280 |
| Return on assets (ROA) | -13.9374% | 8,280 |
| Pretax return on assets | -14.2927% | 8,280 |
| Return on Equity (ROE) | -82.0719% | 8,252 |
| Retained earnings to average equity (ytd only) | -82.0719% | 8,248 |
| Net charge-offs to loans | 2.0242% | 528 |
| Credit loss provision to net charge-offs | 161.3065% | 3,202 |
| Earnings coverage of net charge-offs (x) | -8.4271% | 6,884 |
| Efficiency ratio | 94.3564% | 1,256 |
| Assets per employee ($millions) | 3.2042% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8254% | 507 |
| Loan loss allowance to noncurrent loans | 57.1047% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 7.8804% | 301 |
| Noncurrent loans to loans | 4.9477% | 899 |
| Net loans and leases to total assets | 76.5696% | 2,485 |
| Net loans and leases to deposits | 84.5909% | 4,324 |
| Net loans and leases to core deposits | 98.0615% | 5,034 |
| Total domestic deposits to total assets | 90.5176% | 481 |
| Equity capital to assets | 9.0845% | 5,250 |
| Core capital (leverage) ratio | 9.1443% | 4,534 |
| Tier 1 risk-based capital ratio | 11.1885% | 5,549 |
| Total risk-based capital ratio | 12.4563% | 5,416 |
| Memoranda: | ||
| Average total assets | $41,937,400 | 7,131 |
| Average earning assets | $34,013,400 | 7,320 |
| Average equity | $7,121,800 | 6,413 |
| Average total loans | $29,493,600 | 6,742 |