Home > ADB Bank dba Allegiance Direct Bank > Performance and Condition Ratios
ADB Bank dba Allegiance Direct Bank, Performance and Condition Ratios
| 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 | 6.1804% | 639 |
| Cost of funding earning assets | 1.0222% | 5,838 |
| Net interest margin | 5.1582% | 320 |
| Noninterest income to average assets | 0.1394% | 6,854 |
| Noninterest expense to average assets | 4.2187% | 809 |
| Loan and lease loss provision to assets | 0.0105% | 6,922 |
| Net operating income to assets | 0.4982% | 4,324 |
| Return on assets (ROA) | 0.5050% | 4,482 |
| Pretax return on assets | 0.8048% | 3,885 |
| Return on Equity (ROE) | 3.3923% | 5,055 |
| Retained earnings to average equity (ytd only) | 3.3923% | 4,062 |
| Net charge-offs to loans | 0.0698% | 5,814 |
| Credit loss provision to net charge-offs | 28.5714% | 6,170 |
| Earnings coverage of net charge-offs (x) | 21.8527% | 1,119 |
| Efficiency ratio | 83.9791% | 1,839 |
| Assets per employee ($millions) | 3.0219% | 6,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1884% | 7,642 |
| Loan loss allowance to noncurrent loans | 106.3830% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 7,099 |
| Noncurrent loans to loans | 0.1771% | 6,829 |
| Net loans and leases to total assets | 58.4253% | 5,196 |
| Net loans and leases to deposits | 70.6119% | 5,066 |
| Net loans and leases to core deposits | 82.4297% | 4,181 |
| Total domestic deposits to total assets | 82.7414% | 4,700 |
| Equity capital to assets | 16.8880% | 528 |
| Core capital (leverage) ratio | 15.9267% | 575 |
| Tier 1 risk-based capital ratio | 24.4850% | 894 |
| Total risk-based capital ratio | 24.6450% | 992 |
| Memoranda: | ||
| Average total assets | $50,694,000 | 6,584 |
| Average earning assets | $48,000,250 | 6,508 |
| Average equity | $7,546,250 | 5,929 |
| Average total loans | $26,746,250 | 6,661 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1058% | 747 |
| Cost of funding earning assets | 1.1024% | 5,657 |
| Net interest margin | 5.0034% | 415 |
| Noninterest income to average assets | 0.1372% | 6,902 |
| Noninterest expense to average assets | 4.1461% | 868 |
| Loan and lease loss provision to assets | 0.0038% | 6,842 |
| Net operating income to assets | 0.4459% | 4,568 |
| Return on assets (ROA) | 0.4459% | 4,717 |
| Pretax return on assets | 0.7088% | 4,201 |
| Return on Equity (ROE) | 3.1158% | 5,170 |
| Retained earnings to average equity (ytd only) | 3.1158% | 4,130 |
| Net charge-offs to loans | 0.0820% | 5,320 |
| Credit loss provision to net charge-offs | 9.0909% | 5,949 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,371 |
| Efficiency ratio | 85.3333% | 1,785 |
| Assets per employee ($millions) | 3.2361% | 5,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1867% | 7,711 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 7,086 |
| Noncurrent loans to loans | 0.2241% | 6,799 |
| Net loans and leases to total assets | 55.0595% | 5,836 |
| Net loans and leases to deposits | 65.5797% | 5,866 |
| Net loans and leases to core deposits | 75.1286% | 5,306 |
| Total domestic deposits to total assets | 83.9582% | 4,124 |
| Equity capital to assets | 15.6174% | 744 |
| Core capital (leverage) ratio | 14.9107% | 738 |
| Tier 1 risk-based capital ratio | 25.4876% | 809 |
| Total risk-based capital ratio | 25.6557% | 882 |
| Memoranda: | ||
| Average total assets | $52,482,670 | 6,562 |
| Average earning assets | $49,526,330 | 6,489 |
| Average equity | $7,510,000 | 5,964 |
| Average total loans | $26,817,330 | 6,704 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0896% | 793 |
| Cost of funding earning assets | 1.2521% | 5,099 |
| Net interest margin | 4.8375% | 588 |
| Noninterest income to average assets | 0.1322% | 7,027 |
| Noninterest expense to average assets | 4.0108% | 1,018 |
| Loan and lease loss provision to assets | 0.0661% | 5,975 |
| Net operating income to assets | 0.3893% | 4,883 |
| Return on assets (ROA) | 0.3893% | 5,024 |
| Pretax return on assets | 0.6244% | 4,507 |
| Return on Equity (ROE) | 2.8363% | 5,413 |
| Retained earnings to average equity (ytd only) | 2.8363% | 4,430 |
| Net charge-offs to loans | 0.1341% | 4,147 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 10.4444% | 1,740 |
| Efficiency ratio | 85.3125% | 1,873 |
| Assets per employee ($millions) | 3.4259% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2374% | 7,796 |
| Loan loss allowance to noncurrent loans | 51.7241% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 6,932 |
| Noncurrent loans to loans | 0.4589% | 6,376 |
| Net loans and leases to total assets | 46.0083% | 6,829 |
| Net loans and leases to deposits | 53.5606% | 6,944 |
| Net loans and leases to core deposits | 59.8529% | 6,764 |
| Total domestic deposits to total assets | 85.8996% | 3,211 |
| Equity capital to assets | 13.6918% | 1,245 |
| Core capital (leverage) ratio | 13.8577% | 992 |
| Tier 1 risk-based capital ratio | 22.8235% | 1,101 |
| Total risk-based capital ratio | 23.0057% | 1,221 |
| Memoranda: | ||
| Average total assets | $54,453,000 | 6,592 |
| Average earning assets | $51,432,000 | 6,495 |
| Average equity | $7,474,500 | 6,028 |
| Average total loans | $26,837,500 | 6,782 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5563% | 124 |
| Cost of funding earning assets | 1.8586% | 3,685 |
| Net interest margin | 5.6977% | 149 |
| Noninterest income to average assets | 0.1479% | 6,998 |
| Noninterest expense to average assets | 4.6198% | 703 |
| Loan and lease loss provision to assets | 0.1173% | 6,472 |
| Net operating income to assets | 0.5340% | 3,596 |
| Return on assets (ROA) | 0.5340% | 3,691 |
| Pretax return on assets | 0.8136% | 3,196 |
| Return on Equity (ROE) | 3.6906% | 4,209 |
| Retained earnings to average equity (ytd only) | -11.2713% | 6,621 |
| Net charge-offs to loans | 0.2247% | 5,218 |
| Credit loss provision to net charge-offs | 91.5493% | 5,950 |
| Earnings coverage of net charge-offs (x) | 7.2676% | 2,185 |
| Efficiency ratio | 83.2304% | 2,452 |
| Assets per employee ($millions) | 3.1819% | 5,763 |
| Cash dividends to net income (ytd only)* | 405.4054% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2113% | 7,878 |
| Loan loss allowance to noncurrent loans | 21.4286% | 6,986 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 6,159 |
| Noncurrent loans to loans | 0.9861% | 5,346 |
| Net loans and leases to total assets | 52.3848% | 6,378 |
| Net loans and leases to deposits | 61.1758% | 6,542 |
| Net loans and leases to core deposits | 67.7004% | 6,894 |
| Total domestic deposits to total assets | 85.6300% | 3,207 |
| Equity capital to assets | 13.7617% | 1,230 |
| Core capital (leverage) ratio | 13.4582% | 1,104 |
| Tier 1 risk-based capital ratio | 21.0397% | 1,282 |
| Total risk-based capital ratio | 21.2089% | 1,433 |
| Memoranda: | ||
| Average total assets | $55,435,200 | 6,512 |
| Average earning assets | $52,565,400 | 6,433 |
| Average equity | $8,020,400 | 5,912 |
| Average total loans | $31,600,400 | 6,548 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7736% | 104 |
| Cost of funding earning assets | 1.9799% | 3,469 |
| Net interest margin | 5.7937% | 135 |
| Noninterest income to average assets | 0.1124% | 7,332 |
| Noninterest expense to average assets | 4.6451% | 637 |
| Loan and lease loss provision to assets | 0.1124% | 6,243 |
| Net operating income to assets | 0.5355% | 3,845 |
| Return on assets (ROA) | 0.5355% | 3,931 |
| Pretax return on assets | 0.8535% | 3,369 |
| Return on Equity (ROE) | 3.6580% | 4,516 |
| Retained earnings to average equity (ytd only) | -15.9385% | 7,185 |
| Net charge-offs to loans | 0.2016% | 4,794 |
| Credit loss provision to net charge-offs | 95.9184% | 5,305 |
| Earnings coverage of net charge-offs (x) | 8.2451% | 2,281 |
| Efficiency ratio | 82.7865% | 2,459 |
| Assets per employee ($millions) | 3.2744% | 5,460 |
| Cash dividends to net income (ytd only)* | 535.7129% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2068% | 7,973 |
| Loan loss allowance to noncurrent loans | 32.1608% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3376% | 6,637 |
| Noncurrent loans to loans | 0.6430% | 6,012 |
| Net loans and leases to total assets | 52.4024% | 6,570 |
| Net loans and leases to deposits | 60.3714% | 6,803 |
| Net loans and leases to core deposits | 66.8528% | 7,123 |
| Total domestic deposits to total assets | 86.8001% | 2,283 |
| Equity capital to assets | 12.5365% | 1,928 |
| Core capital (leverage) ratio | 12.2105% | 1,703 |
| Tier 1 risk-based capital ratio | 19.2881% | 1,689 |
| Total risk-based capital ratio | 19.4551% | 1,878 |
| Memoranda: | ||
| Average total assets | $55,771,000 | 6,554 |
| Average earning assets | $52,929,750 | 6,459 |
| Average equity | $8,164,500 | 5,924 |
| Average total loans | $32,401,500 | 6,544 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9991% | 91 |
| Cost of funding earning assets | 2.1097% | 3,223 |
| Net interest margin | 5.8894% | 118 |
| Noninterest income to average assets | 0.1572% | 7,150 |
| Noninterest expense to average assets | 4.8579% | 574 |
| Loan and lease loss provision to assets | 0.0695% | 6,505 |
| Net operating income to assets | 0.5081% | 4,057 |
| Return on assets (ROA) | 0.5081% | 4,176 |
| Pretax return on assets | 0.8115% | 3,635 |
| Return on Equity (ROE) | 3.3005% | 4,787 |
| Retained earnings to average equity (ytd only) | 3.3005% | 3,486 |
| Net charge-offs to loans | 0.1156% | 5,003 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 12.6842% | 1,799 |
| Efficiency ratio | 84.6497% | 2,404 |
| Assets per employee ($millions) | 3.1126% | 5,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1901% | 8,072 |
| Loan loss allowance to noncurrent loans | 22.4490% | 6,991 |
| Noncurrent assets plus other real estate owned to assets | 0.4971% | 6,195 |
| Noncurrent loans to loans | 0.8466% | 5,529 |
| Net loans and leases to total assets | 58.6067% | 5,887 |
| Net loans and leases to deposits | 68.8669% | 6,108 |
| Net loans and leases to core deposits | 76.7714% | 6,623 |
| Total domestic deposits to total assets | 85.1015% | 3,216 |
| Equity capital to assets | 14.3693% | 1,200 |
| Core capital (leverage) ratio | 14.6417% | 990 |
| Tier 1 risk-based capital ratio | 20.5310% | 1,479 |
| Total risk-based capital ratio | 20.6902% | 1,649 |
| Memoranda: | ||
| Average total assets | $54,714,670 | 6,647 |
| Average earning assets | $51,855,670 | 6,562 |
| Average equity | $8,423,000 | 5,878 |
| Average total loans | $32,885,330 | 6,560 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6450% | 62 |
| Cost of funding earning assets | 2.3145% | 2,637 |
| Net interest margin | 6.3305% | 81 |
| Noninterest income to average assets | 0.1981% | 6,879 |
| Noninterest expense to average assets | 5.1731% | 430 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6247% | 3,914 |
| Return on assets (ROA) | 0.6247% | 4,094 |
| Pretax return on assets | 1.0057% | 3,326 |
| Return on Equity (ROE) | 3.9115% | 4,977 |
| Retained earnings to average equity (ytd only) | 3.9115% | 3,720 |
| Net charge-offs to loans | 0.0501% | 4,772 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 987 |
| Efficiency ratio | 83.7238% | 2,335 |
| Assets per employee ($millions) | 2.9927% | 6,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1916% | 8,113 |
| Loan loss allowance to noncurrent loans | 19.2547% | 7,210 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 5,775 |
| Noncurrent loans to loans | 0.9951% | 5,005 |
| Net loans and leases to total assets | 56.7954% | 6,131 |
| Net loans and leases to deposits | 67.1833% | 6,253 |
| Net loans and leases to core deposits | 75.0523% | 6,743 |
| Total domestic deposits to total assets | 84.5380% | 3,442 |
| Equity capital to assets | 14.8324% | 1,151 |
| Core capital (leverage) ratio | 16.7032% | 690 |
| Tier 1 risk-based capital ratio | 21.6897% | 1,338 |
| Total risk-based capital ratio | 21.8488% | 1,477 |
| Memoranda: | ||
| Average total assets | $52,502,000 | 6,757 |
| Average earning assets | $49,601,000 | 6,678 |
| Average equity | $8,385,500 | 5,924 |
| Average total loans | $31,965,000 | 6,650 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2436% | 62 |
| Cost of funding earning assets | 3.1898% | 1,226 |
| Net interest margin | 6.0538% | 104 |
| Noninterest income to average assets | 0.1898% | 7,095 |
| Noninterest expense to average assets | 5.7087% | 462 |
| Loan and lease loss provision to assets | 0.0881% | 6,276 |
| Net operating income to assets | 0.1389% | 6,006 |
| Return on assets (ROA) | 0.1389% | 5,836 |
| Pretax return on assets | 0.2133% | 5,702 |
| Return on Equity (ROE) | 0.8980% | 5,949 |
| Retained earnings to average equity (ytd only) | 0.8980% | 4,694 |
| Net charge-offs to loans | 0.0364% | 6,293 |
| Credit loss provision to net charge-offs | 409.0909% | 1,068 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 2,083 |
| Efficiency ratio | 94.9853% | 1,222 |
| Assets per employee ($millions) | 2.5338% | 7,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2090% | 8,154 |
| Loan loss allowance to noncurrent loans | 19.3548% | 7,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 5,106 |
| Noncurrent loans to loans | 1.0800% | 4,407 |
| Net loans and leases to total assets | 65.4460% | 4,959 |
| Net loans and leases to deposits | 79.7686% | 5,085 |
| Net loans and leases to core deposits | 94.1829% | 5,437 |
| Total domestic deposits to total assets | 82.0448% | 4,184 |
| Equity capital to assets | 17.3175% | 743 |
| Core capital (leverage) ratio | 15.4420% | 936 |
| Tier 1 risk-based capital ratio | 22.7571% | 1,220 |
| Total risk-based capital ratio | 22.9366% | 1,321 |
| Memoranda: | ||
| Average total assets | $51,097,800 | 6,729 |
| Average earning assets | $49,125,800 | 6,630 |
| Average equity | $7,906,800 | 6,123 |
| Average total loans | $30,241,200 | 6,693 |