Home > Allegiance Bank of North America > Performance and Condition Ratios
Allegiance Bank of North America, 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 | 5.0646% | 4,511 |
| Cost of funding earning assets | 2.3071% | 264 |
| Net interest margin | 2.7575% | 7,171 |
| Noninterest income to average assets | 0.1890% | 6,529 |
| Noninterest expense to average assets | 5.2332% | 317 |
| Loan and lease loss provision to assets | 2.7983% | 336 |
| Net operating income to assets | -5.2197% | 7,662 |
| Return on assets (ROA) | -5.2197% | 7,668 |
| Pretax return on assets | -5.2197% | 7,657 |
| Return on Equity (ROE) | -163.9228% | 7,732 |
| Retained earnings to average equity (ytd only) | -163.9228% | 7,732 |
| Net charge-offs to loans | 4.6035% | 211 |
| Credit loss provision to net charge-offs | 75.9794% | 5,255 |
| Earnings coverage of net charge-offs (x) | -0.6575% | 6,377 |
| Efficiency ratio | 186.1177% | 107 |
| Assets per employee ($millions) | 3.8070% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5114% | 3,912 |
| Loan loss allowance to noncurrent loans | 17.1432% | 7,000 |
| Noncurrent assets plus other real estate owned to assets | 7.3897% | 716 |
| Noncurrent loans to loans | 8.8164% | 554 |
| Net loans and leases to total assets | 78.7983% | 919 |
| Net loans and leases to deposits | 91.3029% | 1,537 |
| Net loans and leases to core deposits | 99.7755% | 1,871 |
| Total domestic deposits to total assets | 86.3042% | 2,916 |
| Equity capital to assets | 1.3828% | 7,732 |
| Core capital (leverage) ratio | 1.1451% | 7,733 |
| Tier 1 risk-based capital ratio | 1.8610% | 7,730 |
| Total risk-based capital ratio | 3.1187% | 7,730 |
| Memoranda: | ||
| Average total assets | $119,211,250 | 4,554 |
| Average earning assets | $113,386,000 | 4,447 |
| Average equity | $3,796,000 | 7,148 |
| Average total loans | $95,374,750 | 3,986 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0411% | 4,743 |
| Cost of funding earning assets | 2.3326% | 310 |
| Net interest margin | 2.7086% | 7,247 |
| Noninterest income to average assets | 0.3030% | 5,733 |
| Noninterest expense to average assets | 4.9377% | 395 |
| Loan and lease loss provision to assets | 2.4794% | 463 |
| Net operating income to assets | -4.5342% | 7,666 |
| Return on assets (ROA) | -4.5342% | 7,671 |
| Pretax return on assets | -4.5342% | 7,651 |
| Return on Equity (ROE) | -122.4508% | 7,759 |
| Retained earnings to average equity (ytd only) | -122.4508% | 7,759 |
| Net charge-offs to loans | 4.6284% | 243 |
| Credit loss provision to net charge-offs | 66.9584% | 5,050 |
| Earnings coverage of net charge-offs (x) | -0.5549% | 6,032 |
| Efficiency ratio | 171.2760% | 150 |
| Assets per employee ($millions) | 4.1476% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 3,966 |
| Loan loss allowance to noncurrent loans | 19.2845% | 6,982 |
| Noncurrent assets plus other real estate owned to assets | 6.6656% | 826 |
| Noncurrent loans to loans | 7.7494% | 679 |
| Net loans and leases to total assets | 75.2620% | 1,636 |
| Net loans and leases to deposits | 89.5065% | 1,933 |
| Net loans and leases to core deposits | 111.8871% | 1,041 |
| Total domestic deposits to total assets | 84.0855% | 4,075 |
| Equity capital to assets | 2.8364% | 7,762 |
| Core capital (leverage) ratio | 2.7353% | 7,752 |
| Tier 1 risk-based capital ratio | 4.3687% | 7,731 |
| Total risk-based capital ratio | 5.6271% | 7,735 |
| Memoranda: | ||
| Average total assets | $123,416,670 | 4,500 |
| Average earning assets | $117,553,330 | 4,382 |
| Average equity | $4,570,000 | 6,914 |
| Average total loans | $98,738,330 | 3,939 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0791% | 4,632 |
| Cost of funding earning assets | 2.3913% | 310 |
| Net interest margin | 2.6878% | 7,313 |
| Noninterest income to average assets | 0.3872% | 5,019 |
| Noninterest expense to average assets | 4.8513% | 412 |
| Loan and lease loss provision to assets | 2.2982% | 468 |
| Net operating income to assets | -4.1933% | 7,728 |
| Return on assets (ROA) | -4.1933% | 7,733 |
| Pretax return on assets | -4.1933% | 7,704 |
| Return on Equity (ROE) | -102.3041% | 7,834 |
| Retained earnings to average equity (ytd only) | -102.3041% | 7,830 |
| Net charge-offs to loans | 4.6538% | 272 |
| Credit loss provision to net charge-offs | 60.4805% | 4,287 |
| Earnings coverage of net charge-offs (x) | -0.4988% | 5,279 |
| Efficiency ratio | 164.1108% | 166 |
| Assets per employee ($millions) | 3.9778% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5774% | 3,544 |
| Loan loss allowance to noncurrent loans | 16.8860% | 7,156 |
| Noncurrent assets plus other real estate owned to assets | 7.9601% | 624 |
| Noncurrent loans to loans | 9.3412% | 490 |
| Net loans and leases to total assets | 83.8703% | 387 |
| Net loans and leases to deposits | 102.4212% | 620 |
| Net loans and leases to core deposits | 119.6874% | 798 |
| Total domestic deposits to total assets | 81.8877% | 5,123 |
| Equity capital to assets | 3.8455% | 7,806 |
| Core capital (leverage) ratio | 3.6712% | 7,803 |
| Tier 1 risk-based capital ratio | 5.3908% | 7,779 |
| Total risk-based capital ratio | 6.6486% | 7,781 |
| Memoranda: | ||
| Average total assets | $127,058,500 | 4,478 |
| Average earning assets | $121,439,500 | 4,341 |
| Average equity | $5,208,000 | 6,781 |
| Average total loans | $103,742,500 | 3,832 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5492% | 3,881 |
| Cost of funding earning assets | 2.8943% | 315 |
| Net interest margin | 2.6550% | 7,271 |
| Noninterest income to average assets | 0.4920% | 4,479 |
| Noninterest expense to average assets | 4.8853% | 571 |
| Loan and lease loss provision to assets | 4.3907% | 276 |
| Net operating income to assets | -6.2485% | 7,848 |
| Return on assets (ROA) | -6.1320% | 7,836 |
| Pretax return on assets | -6.1320% | 7,816 |
| Return on Equity (ROE) | -102.5712% | 7,937 |
| Retained earnings to average equity (ytd only) | -102.5712% | 7,937 |
| Net charge-offs to loans | 8.0915% | 78 |
| Credit loss provision to net charge-offs | 68.8242% | 6,517 |
| Earnings coverage of net charge-offs (x) | -0.2912% | 6,539 |
| Efficiency ratio | 161.3661% | 248 |
| Assets per employee ($millions) | 4.4928% | 2,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9528% | 2,137 |
| Loan loss allowance to noncurrent loans | 23.7144% | 6,868 |
| Noncurrent assets plus other real estate owned to assets | 6.5846% | 817 |
| Noncurrent loans to loans | 8.2347% | 595 |
| Net loans and leases to total assets | 76.9602% | 1,593 |
| Net loans and leases to deposits | 89.9458% | 2,224 |
| Net loans and leases to core deposits | 103.5829% | 3,615 |
| Total domestic deposits to total assets | 85.5628% | 3,249 |
| Equity capital to assets | 4.3232% | 7,832 |
| Core capital (leverage) ratio | 4.2112% | 7,832 |
| Tier 1 risk-based capital ratio | 6.5401% | 7,789 |
| Total risk-based capital ratio | 7.8035% | 7,792 |
| Memoranda: | ||
| Average total assets | $151,843,400 | 3,926 |
| Average earning assets | $145,011,200 | 3,794 |
| Average equity | $9,077,600 | 5,583 |
| Average total loans | $119,718,200 | 3,490 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5706% | 4,030 |
| Cost of funding earning assets | 2.9992% | 334 |
| Net interest margin | 2.5715% | 7,382 |
| Noninterest income to average assets | 0.5116% | 4,392 |
| Noninterest expense to average assets | 4.9221% | 515 |
| Loan and lease loss provision to assets | 5.3158% | 150 |
| Net operating income to assets | -7.2717% | 7,988 |
| Return on assets (ROA) | -7.1205% | 7,983 |
| Pretax return on assets | -7.1205% | 7,961 |
| Return on Equity (ROE) | -112.3907% | 8,032 |
| Retained earnings to average equity (ytd only) | -112.3907% | 8,031 |
| Net charge-offs to loans | 10.3949% | 44 |
| Credit loss provision to net charge-offs | 64.7996% | 6,084 |
| Earnings coverage of net charge-offs (x) | -0.2384% | 6,316 |
| Efficiency ratio | 165.9372% | 256 |
| Assets per employee ($millions) | 4.6257% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 2,977 |
| Loan loss allowance to noncurrent loans | 23.8488% | 6,852 |
| Noncurrent assets plus other real estate owned to assets | 5.2519% | 1,103 |
| Noncurrent loans to loans | 6.7158% | 839 |
| Net loans and leases to total assets | 73.2974% | 2,713 |
| Net loans and leases to deposits | 85.0070% | 3,500 |
| Net loans and leases to core deposits | 99.3417% | 4,448 |
| Total domestic deposits to total assets | 86.2251% | 2,574 |
| Equity capital to assets | 4.6486% | 7,973 |
| Core capital (leverage) ratio | 4.2903% | 7,961 |
| Tier 1 risk-based capital ratio | 7.2391% | 7,873 |
| Total risk-based capital ratio | 8.4962% | 7,874 |
| Memoranda: | ||
| Average total assets | $156,108,250 | 3,874 |
| Average earning assets | $149,015,500 | 3,741 |
| Average equity | $9,890,250 | 5,366 |
| Average total loans | $123,198,750 | 3,443 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6420% | 3,856 |
| Cost of funding earning assets | 3.0225% | 437 |
| Net interest margin | 2.6194% | 7,333 |
| Noninterest income to average assets | -0.0113% | 7,981 |
| Noninterest expense to average assets | 5.2165% | 446 |
| Loan and lease loss provision to assets | 7.1145% | 92 |
| Net operating income to assets | -9.8461% | 8,115 |
| Return on assets (ROA) | -9.8461% | 8,112 |
| Pretax return on assets | -9.8461% | 8,100 |
| Return on Equity (ROE) | -143.5374% | 8,122 |
| Retained earnings to average equity (ytd only) | -143.5374% | 8,120 |
| Net charge-offs to loans | 12.9652% | 33 |
| Credit loss provision to net charge-offs | 68.3402% | 5,449 |
| Earnings coverage of net charge-offs (x) | -0.2624% | 5,927 |
| Efficiency ratio | 209.9341% | 173 |
| Assets per employee ($millions) | 3.9793% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0302% | 1,516 |
| Loan loss allowance to noncurrent loans | 24.0998% | 6,890 |
| Noncurrent assets plus other real estate owned to assets | 6.9133% | 629 |
| Noncurrent loans to loans | 8.4241% | 495 |
| Net loans and leases to total assets | 76.7030% | 2,016 |
| Net loans and leases to deposits | 88.6032% | 3,069 |
| Net loans and leases to core deposits | 104.0925% | 4,052 |
| Total domestic deposits to total assets | 86.5692% | 2,473 |
| Equity capital to assets | 4.5982% | 8,065 |
| Core capital (leverage) ratio | 4.7673% | 8,040 |
| Tier 1 risk-based capital ratio | 6.8797% | 8,019 |
| Total risk-based capital ratio | 8.1425% | 8,026 |
| Memoranda: | ||
| Average total assets | $158,803,330 | 3,852 |
| Average earning assets | $151,329,670 | 3,720 |
| Average equity | $10,893,330 | 5,116 |
| Average total loans | $127,510,670 | 3,388 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7528% | 3,513 |
| Cost of funding earning assets | 3.0834% | 482 |
| Net interest margin | 2.6694% | 7,266 |
| Noninterest income to average assets | 0.0555% | 7,804 |
| Noninterest expense to average assets | 4.5694% | 666 |
| Loan and lease loss provision to assets | 11.1134% | 31 |
| Net operating income to assets | -13.0904% | 8,197 |
| Return on assets (ROA) | -13.0904% | 8,187 |
| Pretax return on assets | -13.0904% | 8,185 |
| Return on Equity (ROE) | -163.7475% | 8,184 |
| Retained earnings to average equity (ytd only) | -163.7475% | 8,182 |
| Net charge-offs to loans | 22.5347% | 11 |
| Credit loss provision to net charge-offs | 60.6607% | 4,506 |
| Earnings coverage of net charge-offs (x) | -0.1079% | 5,082 |
| Efficiency ratio | 176.2646% | 257 |
| Assets per employee ($millions) | 4.1304% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8137% | 1,819 |
| Loan loss allowance to noncurrent loans | 25.8177% | 6,851 |
| Noncurrent assets plus other real estate owned to assets | 6.3782% | 596 |
| Noncurrent loans to loans | 7.0250% | 573 |
| Net loans and leases to total assets | 78.9502% | 1,595 |
| Net loans and leases to deposits | 92.8245% | 2,465 |
| Net loans and leases to core deposits | 110.9761% | 3,312 |
| Total domestic deposits to total assets | 85.0531% | 3,170 |
| Equity capital to assets | 6.3661% | 7,914 |
| Core capital (leverage) ratio | 6.3743% | 7,921 |
| Tier 1 risk-based capital ratio | 8.8487% | 7,864 |
| Total risk-based capital ratio | 10.1079% | 7,906 |
| Memoranda: | ||
| Average total assets | $158,619,500 | 3,855 |
| Average earning assets | $150,744,000 | 3,734 |
| Average equity | $12,680,500 | 4,659 |
| Average total loans | $128,956,500 | 3,386 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9289% | 1,314 |
| Cost of funding earning assets | 3.2997% | 931 |
| Net interest margin | 3.6292% | 4,758 |
| Noninterest income to average assets | 0.0694% | 7,801 |
| Noninterest expense to average assets | 5.3420% | 543 |
| Loan and lease loss provision to assets | 1.5705% | 845 |
| Net operating income to assets | -3.3947% | 7,891 |
| Return on assets (ROA) | -3.3584% | 7,872 |
| Pretax return on assets | -3.3584% | 7,786 |
| Return on Equity (ROE) | -29.2568% | 7,945 |
| Retained earnings to average equity (ytd only) | -29.2568% | 7,896 |
| Net charge-offs to loans | 0.7544% | 1,643 |
| Credit loss provision to net charge-offs | 255.9063% | 1,819 |
| Earnings coverage of net charge-offs (x) | -2.9725% | 6,764 |
| Efficiency ratio | 151.8565% | 342 |
| Assets per employee ($millions) | 3.5618% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9079% | 203 |
| Loan loss allowance to noncurrent loans | 38.4851% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 9.0190% | 223 |
| Noncurrent loans to loans | 10.1544% | 201 |
| Net loans and leases to total assets | 78.9603% | 1,893 |
| Net loans and leases to deposits | 99.5791% | 1,892 |
| Net loans and leases to core deposits | 119.3579% | 2,754 |
| Total domestic deposits to total assets | 79.2941% | 5,265 |
| Equity capital to assets | 9.5887% | 4,561 |
| Core capital (leverage) ratio | 9.5060% | 4,008 |
| Tier 1 risk-based capital ratio | 12.9377% | 4,145 |
| Total risk-based capital ratio | 14.2257% | 4,043 |
| Memoranda: | ||
| Average total assets | $160,016,200 | 3,718 |
| Average earning assets | $152,043,600 | 3,614 |
| Average equity | $18,368,400 | 3,500 |
| Average total loans | $130,171,200 | 3,269 |