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Allen Bank and Trust Company, Performance and Condition Ratios
| 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 | 5.5762% | 3,998 |
| Cost of funding earning assets | 1.2011% | 6,881 |
| Net interest margin | 4.3751% | 1,511 |
| Noninterest income to average assets | 0.6780% | 3,169 |
| Noninterest expense to average assets | 3.7365% | 1,735 |
| Loan and lease loss provision to assets | 0.3329% | 4,343 |
| Net operating income to assets | 0.5238% | 3,887 |
| Return on assets (ROA) | 0.6725% | 3,368 |
| Pretax return on assets | 0.6703% | 3,958 |
| Return on Equity (ROE) | 7.8639% | 2,705 |
| Retained earnings to average equity (ytd only) | 7.0464% | 1,487 |
| Net charge-offs to loans | 0.1354% | 5,347 |
| Credit loss provision to net charge-offs | 365.8537% | 1,107 |
| Earnings coverage of net charge-offs (x) | 9.3903% | 2,116 |
| Efficiency ratio | 81.3875% | 2,662 |
| Assets per employee ($millions) | 2.7200% | 6,807 |
| Cash dividends to net income (ytd only)* | 10.3963% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8317% | 2,190 |
| Loan loss allowance to noncurrent loans | 133.4197% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.9727% | 5,115 |
| Noncurrent loans to loans | 1.3729% | 4,623 |
| Net loans and leases to total assets | 66.1770% | 4,392 |
| Net loans and leases to deposits | 79.5149% | 4,476 |
| Net loans and leases to core deposits | 94.7836% | 4,955 |
| Total domestic deposits to total assets | 83.2260% | 4,103 |
| Equity capital to assets | 8.6420% | 6,049 |
| Core capital (leverage) ratio | 8.6777% | 5,169 |
| Tier 1 risk-based capital ratio | 11.9717% | 5,001 |
| Total risk-based capital ratio | 13.2282% | 4,931 |
| Memoranda: | ||
| Average total assets | $120,146,250 | 4,591 |
| Average earning assets | $107,454,500 | 4,667 |
| Average equity | $10,274,500 | 5,267 |
| Average total loans | $80,728,750 | 4,531 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6348% | 3,889 |
| Cost of funding earning assets | 1.2858% | 6,852 |
| Net interest margin | 4.3490% | 1,526 |
| Noninterest income to average assets | 0.6819% | 3,103 |
| Noninterest expense to average assets | 3.7101% | 1,822 |
| Loan and lease loss provision to assets | 0.5064% | 3,006 |
| Net operating income to assets | 0.3545% | 4,667 |
| Return on assets (ROA) | 0.4963% | 4,228 |
| Pretax return on assets | 0.4895% | 4,658 |
| Return on Equity (ROE) | 5.8247% | 3,737 |
| Retained earnings to average equity (ytd only) | 4.5765% | 2,748 |
| Net charge-offs to loans | 0.2616% | 3,885 |
| Credit loss provision to net charge-offs | 288.4615% | 1,621 |
| Earnings coverage of net charge-offs (x) | 4.8654% | 2,979 |
| Efficiency ratio | 81.2870% | 2,844 |
| Assets per employee ($millions) | 2.6500% | 6,956 |
| Cash dividends to net income (ytd only)* | 21.4286% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8528% | 1,905 |
| Loan loss allowance to noncurrent loans | 285.7411% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.4964% | 6,198 |
| Noncurrent loans to loans | 0.6484% | 5,956 |
| Net loans and leases to total assets | 67.6534% | 4,221 |
| Net loans and leases to deposits | 74.6839% | 5,352 |
| Net loans and leases to core deposits | 88.1833% | 5,703 |
| Total domestic deposits to total assets | 90.5863% | 598 |
| Equity capital to assets | 8.5701% | 5,945 |
| Core capital (leverage) ratio | 8.4510% | 5,523 |
| Tier 1 risk-based capital ratio | 11.8299% | 5,073 |
| Total risk-based capital ratio | 13.0865% | 4,981 |
| Memoranda: | ||
| Average total assets | $118,487,670 | 4,673 |
| Average earning assets | $105,771,330 | 4,730 |
| Average equity | $10,095,000 | 5,336 |
| Average total loans | $79,522,670 | 4,600 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6324% | 4,157 |
| Cost of funding earning assets | 1.4081% | 6,703 |
| Net interest margin | 4.2243% | 1,822 |
| Noninterest income to average assets | 0.6401% | 3,271 |
| Noninterest expense to average assets | 3.8068% | 1,457 |
| Loan and lease loss provision to assets | 0.4234% | 2,810 |
| Net operating income to assets | 0.1964% | 5,672 |
| Return on assets (ROA) | 0.2743% | 5,560 |
| Pretax return on assets | 0.2574% | 5,792 |
| Return on Equity (ROE) | 3.2295% | 5,267 |
| Retained earnings to average equity (ytd only) | 3.2295% | 4,075 |
| Net charge-offs to loans | 0.2507% | 3,153 |
| Credit loss provision to net charge-offs | 255.1020% | 1,846 |
| Earnings coverage of net charge-offs (x) | 3.6327% | 3,113 |
| Efficiency ratio | 86.3287% | 2,034 |
| Assets per employee ($millions) | 2.6035% | 7,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7846% | 1,888 |
| Loan loss allowance to noncurrent loans | 146.2500% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.9176% | 4,896 |
| Noncurrent loans to loans | 1.2202% | 4,533 |
| Net loans and leases to total assets | 64.5199% | 4,897 |
| Net loans and leases to deposits | 71.1677% | 5,846 |
| Net loans and leases to core deposits | 84.3054% | 6,042 |
| Total domestic deposits to total assets | 90.6591% | 536 |
| Equity capital to assets | 8.5010% | 6,067 |
| Core capital (leverage) ratio | 8.3857% | 5,739 |
| Tier 1 risk-based capital ratio | 11.6619% | 5,245 |
| Total risk-based capital ratio | 12.9171% | 5,153 |
| Memoranda: | ||
| Average total assets | $118,105,500 | 4,703 |
| Average earning assets | $105,390,000 | 4,765 |
| Average equity | $10,032,500 | 5,376 |
| Average total loans | $78,183,500 | 4,675 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3851% | 3,495 |
| Cost of funding earning assets | 2.0898% | 6,098 |
| Net interest margin | 4.2953% | 1,994 |
| Noninterest income to average assets | 0.7112% | 3,046 |
| Noninterest expense to average assets | 3.9056% | 1,547 |
| Loan and lease loss provision to assets | 0.3535% | 3,567 |
| Net operating income to assets | 0.2637% | 5,668 |
| Return on assets (ROA) | 0.3376% | 5,230 |
| Pretax return on assets | 0.3317% | 5,441 |
| Return on Equity (ROE) | 4.0369% | 4,808 |
| Retained earnings to average equity (ytd only) | -0.9841% | 5,585 |
| Net charge-offs to loans | 0.1666% | 4,534 |
| Credit loss provision to net charge-offs | 334.1270% | 1,350 |
| Earnings coverage of net charge-offs (x) | 5.7778% | 3,539 |
| Efficiency ratio | 86.4659% | 1,808 |
| Assets per employee ($millions) | 2.4260% | 7,353 |
| Cash dividends to net income (ytd only)* | 124.3781% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7080% | 1,883 |
| Loan loss allowance to noncurrent loans | 176.6977% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 4,931 |
| Noncurrent loans to loans | 0.9666% | 4,666 |
| Net loans and leases to total assets | 65.5786% | 4,937 |
| Net loans and leases to deposits | 72.3393% | 6,020 |
| Net loans and leases to core deposits | 87.1379% | 6,049 |
| Total domestic deposits to total assets | 90.6542% | 443 |
| Equity capital to assets | 8.4879% | 6,104 |
| Core capital (leverage) ratio | 8.5851% | 5,415 |
| Tier 1 risk-based capital ratio | 11.7253% | 5,038 |
| Total risk-based capital ratio | 12.9798% | 4,941 |
| Memoranda: | ||
| Average total assets | $119,086,600 | 4,548 |
| Average earning assets | $105,511,200 | 4,627 |
| Average equity | $9,958,200 | 5,425 |
| Average total loans | $75,646,200 | 4,665 |