Home > Allegiance Community Bank > Performance and Condition Ratios
Allegiance Community Bank, Performance and Condition Ratios
| 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 | 6.1377% | 1,410 |
| Cost of funding earning assets | 2.3658% | 1,405 |
| Net interest margin | 3.7719% | 3,830 |
| Noninterest income to average assets | 0.4015% | 5,187 |
| Noninterest expense to average assets | 2.4734% | 6,224 |
| Loan and lease loss provision to assets | 6.5093% | 84 |
| Net operating income to assets | -3.3881% | 7,482 |
| Return on assets (ROA) | -3.3878% | 7,484 |
| Pretax return on assets | -5.2617% | 7,735 |
| Return on Equity (ROE) | -33.1327% | 7,461 |
| Retained earnings to average equity (ytd only) | -33.1327% | 7,446 |
| Net charge-offs to loans | 7.5641% | 92 |
| Credit loss provision to net charge-offs | 102.6409% | 5,380 |
| Earnings coverage of net charge-offs (x) | 0.1966% | 5,944 |
| Efficiency ratio | 65.4692% | 5,493 |
| Assets per employee ($millions) | 4.9062% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 6,124 |
| Loan loss allowance to noncurrent loans | 7.3031% | 7,400 |
| Noncurrent assets plus other real estate owned to assets | 12.0686% | 249 |
| Noncurrent loans to loans | 14.3749% | 193 |
| Net loans and leases to total assets | 81.8081% | 715 |
| Net loans and leases to deposits | 116.5173% | 220 |
| Net loans and leases to core deposits | 172.7423% | 218 |
| Total domestic deposits to total assets | 70.2111% | 7,408 |
| Equity capital to assets | 10.0621% | 3,676 |
| Core capital (leverage) ratio | 8.5191% | 5,251 |
| Tier 1 risk-based capital ratio | 9.3577% | 7,299 |
| Total risk-based capital ratio | 10.3494% | 7,446 |
| Memoranda: | ||
| Average total assets | $183,306,800 | 3,380 |
| Average earning assets | $161,297,600 | 3,493 |
| Average equity | $18,742,800 | 3,385 |
| Average total loans | $153,687,200 | 2,867 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5288% | 707 |
| Cost of funding earning assets | 2.5911% | 1,056 |
| Net interest margin | 3.9377% | 3,089 |
| Noninterest income to average assets | 0.4173% | 5,153 |
| Noninterest expense to average assets | 2.4644% | 6,202 |
| Loan and lease loss provision to assets | 1.4625% | 1,314 |
| Net operating income to assets | 0.0370% | 5,635 |
| Return on assets (ROA) | 0.0375% | 5,676 |
| Pretax return on assets | -0.0375% | 5,763 |
| Return on Equity (ROE) | 0.3652% | 5,668 |
| Retained earnings to average equity (ytd only) | 0.3652% | 5,046 |
| Net charge-offs to loans | 0.4944% | 3,246 |
| Credit loss provision to net charge-offs | 351.6464% | 1,167 |
| Earnings coverage of net charge-offs (x) | 3.4246% | 3,540 |
| Efficiency ratio | 62.4096% | 6,035 |
| Assets per employee ($millions) | 5.0356% | 2,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7531% | 2,434 |
| Loan loss allowance to noncurrent loans | 12.7865% | 7,393 |
| Noncurrent assets plus other real estate owned to assets | 11.5533% | 253 |
| Noncurrent loans to loans | 13.7107% | 193 |
| Net loans and leases to total assets | 82.7876% | 698 |
| Net loans and leases to deposits | 108.1947% | 552 |
| Net loans and leases to core deposits | 165.5770% | 310 |
| Total domestic deposits to total assets | 76.5172% | 6,469 |
| Equity capital to assets | 10.7286% | 3,264 |
| Core capital (leverage) ratio | 9.1986% | 4,343 |
| Tier 1 risk-based capital ratio | 10.1757% | 6,809 |
| Total risk-based capital ratio | 11.3924% | 6,784 |
| Memoranda: | ||
| Average total assets | $184,977,750 | 3,386 |
| Average earning assets | $163,067,250 | 3,494 |
| Average equity | $18,985,500 | 3,371 |
| Average total loans | $155,602,750 | 2,858 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7379% | 503 |
| Cost of funding earning assets | 2.8208% | 744 |
| Net interest margin | 3.9170% | 3,028 |
| Noninterest income to average assets | 0.4178% | 5,137 |
| Noninterest expense to average assets | 2.4682% | 6,232 |
| Loan and lease loss provision to assets | 1.4758% | 1,169 |
| Net operating income to assets | 0.0101% | 5,807 |
| Return on assets (ROA) | 0.0107% | 5,884 |
| Pretax return on assets | -0.0709% | 5,964 |
| Return on Equity (ROE) | 0.1062% | 5,886 |
| Retained earnings to average equity (ytd only) | 0.1062% | 5,162 |
| Net charge-offs to loans | 0.6375% | 2,447 |
| Credit loss provision to net charge-offs | 275.3507% | 1,699 |
| Earnings coverage of net charge-offs (x) | 2.6192% | 3,767 |
| Efficiency ratio | 62.8017% | 6,120 |
| Assets per employee ($millions) | 4.7872% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 4,237 |
| Loan loss allowance to noncurrent loans | 20.5756% | 7,094 |
| Noncurrent assets plus other real estate owned to assets | 5.3350% | 955 |
| Noncurrent loans to loans | 6.3488% | 846 |
| Net loans and leases to total assets | 82.9343% | 794 |
| Net loans and leases to deposits | 105.8239% | 774 |
| Net loans and leases to core deposits | 160.8072% | 440 |
| Total domestic deposits to total assets | 78.3700% | 5,980 |
| Equity capital to assets | 10.0711% | 3,848 |
| Core capital (leverage) ratio | 8.8844% | 4,810 |
| Tier 1 risk-based capital ratio | 9.5813% | 7,325 |
| Total risk-based capital ratio | 10.8166% | 7,290 |
| Memoranda: | ||
| Average total assets | $186,209,670 | 3,391 |
| Average earning assets | $164,206,000 | 3,486 |
| Average equity | $18,831,000 | 3,419 |
| Average total loans | $156,551,330 | 2,879 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9684% | 363 |
| Cost of funding earning assets | 3.0404% | 542 |
| Net interest margin | 3.9280% | 2,939 |
| Noninterest income to average assets | 0.3203% | 5,885 |
| Noninterest expense to average assets | 2.5560% | 5,627 |
| Loan and lease loss provision to assets | 0.2724% | 3,777 |
| Net operating income to assets | 0.6537% | 3,780 |
| Return on assets (ROA) | 0.6537% | 3,965 |
| Pretax return on assets | 0.9631% | 3,486 |
| Return on Equity (ROE) | 6.4502% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.4502% | 2,440 |
| Net charge-offs to loans | 0.4353% | 2,369 |
| Credit loss provision to net charge-offs | 74.4048% | 4,277 |
| Earnings coverage of net charge-offs (x) | 3.3750% | 3,198 |
| Efficiency ratio | 66.4368% | 5,246 |
| Assets per employee ($millions) | 4.3282% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7554% | 7,297 |
| Loan loss allowance to noncurrent loans | 15.2479% | 7,390 |
| Noncurrent assets plus other real estate owned to assets | 4.1722% | 1,207 |
| Noncurrent loans to loans | 4.9541% | 1,099 |
| Net loans and leases to total assets | 83.5814% | 753 |
| Net loans and leases to deposits | 94.1662% | 2,246 |
| Net loans and leases to core deposits | 150.6003% | 684 |
| Total domestic deposits to total assets | 88.7595% | 1,358 |
| Equity capital to assets | 10.3244% | 3,629 |
| Core capital (leverage) ratio | 8.9947% | 4,722 |
| Tier 1 risk-based capital ratio | 10.1317% | 6,771 |
| Total risk-based capital ratio | 10.8711% | 7,259 |
| Memoranda: | ||
| Average total assets | $183,570,000 | 3,451 |
| Average earning assets | $162,218,000 | 3,537 |
| Average equity | $18,604,000 | 3,470 |
| Average total loans | $154,371,000 | 2,936 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5495% | 373 |
| Cost of funding earning assets | 3.3006% | 929 |
| Net interest margin | 4.2488% | 2,118 |
| Noninterest income to average assets | 0.3559% | 5,883 |
| Noninterest expense to average assets | 2.5724% | 5,744 |
| Loan and lease loss provision to assets | 0.1865% | 5,026 |
| Net operating income to assets | 0.8575% | 3,191 |
| Return on assets (ROA) | 0.8583% | 3,031 |
| Pretax return on assets | 1.3807% | 2,027 |
| Return on Equity (ROE) | 7.9878% | 3,079 |
| Retained earnings to average equity (ytd only) | 1.3954% | 4,379 |
| Net charge-offs to loans | 0.0396% | 6,235 |
| Credit loss provision to net charge-offs | 554.3860% | 793 |
| Earnings coverage of net charge-offs (x) | 46.5439% | 801 |
| Efficiency ratio | 61.2038% | 6,126 |
| Assets per employee ($millions) | 4.3102% | 2,940 |
| Cash dividends to net income (ytd only)* | 82.5309% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 7,079 |
| Loan loss allowance to noncurrent loans | 28.5415% | 6,795 |
| Noncurrent assets plus other real estate owned to assets | 2.9824% | 1,541 |
| Noncurrent loans to loans | 2.8282% | 1,913 |
| Net loans and leases to total assets | 83.2888% | 996 |
| Net loans and leases to deposits | 93.3748% | 2,881 |
| Net loans and leases to core deposits | 142.8385% | 1,137 |
| Total domestic deposits to total assets | 89.1984% | 963 |
| Equity capital to assets | 9.9393% | 4,112 |
| Core capital (leverage) ratio | 8.6121% | 5,357 |
| Tier 1 risk-based capital ratio | 9.4255% | 7,386 |
| Total risk-based capital ratio | 10.1978% | 7,830 |
| Memoranda: | ||
| Average total assets | $169,412,800 | 3,563 |
| Average earning assets | $150,818,800 | 3,639 |
| Average equity | $18,202,800 | 3,525 |
| Average total loans | $144,048,800 | 3,021 |