Home > American Bank > Performance and Condition Ratios
American 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 | 4.9721% | 5,147 |
| Cost of funding earning assets | 1.5107% | 3,487 |
| Net interest margin | 3.4613% | 5,329 |
| Noninterest income to average assets | 0.4533% | 4,437 |
| Noninterest expense to average assets | 2.9284% | 3,957 |
| Loan and lease loss provision to assets | 0.1789% | 4,733 |
| Net operating income to assets | 0.5845% | 3,964 |
| Return on assets (ROA) | 0.5845% | 4,111 |
| Pretax return on assets | 0.5845% | 4,673 |
| Return on Equity (ROE) | 6.2020% | 3,775 |
| Retained earnings to average equity (ytd only) | 6.2020% | 2,524 |
| Net charge-offs to loans | -0.1517% | 7,612 |
| Credit loss provision to net charge-offs | -230.7692% | 6,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3215% | 2,669 |
| Assets per employee ($millions) | 3.3560% | 5,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8858% | 2,491 |
| Loan loss allowance to noncurrent loans | 54.1777% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 1.8370% | 3,723 |
| Noncurrent loans to loans | 3.4807% | 2,290 |
| Net loans and leases to total assets | 47.7503% | 6,698 |
| Net loans and leases to deposits | 52.9402% | 6,985 |
| Net loans and leases to core deposits | 61.7106% | 6,619 |
| Total domestic deposits to total assets | 90.1967% | 890 |
| Equity capital to assets | 9.5650% | 4,433 |
| Core capital (leverage) ratio | 9.3247% | 4,007 |
| Tier 1 risk-based capital ratio | 17.4627% | 2,089 |
| Total risk-based capital ratio | 18.7169% | 2,058 |
| Memoranda: | ||
| Average total assets | $67,066,500 | 6,135 |
| Average earning assets | $62,750,500 | 6,057 |
| Average equity | $6,320,500 | 6,408 |
| Average total loans | $34,274,000 | 6,406 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3600% | 4,889 |
| Cost of funding earning assets | 2.1437% | 2,259 |
| Net interest margin | 3.2163% | 6,033 |
| Noninterest income to average assets | 0.4242% | 5,011 |
| Noninterest expense to average assets | 2.9297% | 4,425 |
| Loan and lease loss provision to assets | 0.8328% | 2,640 |
| Net operating income to assets | -0.3086% | 5,982 |
| Return on assets (ROA) | 0.3424% | 4,455 |
| Pretax return on assets | 0.3424% | 4,661 |
| Return on Equity (ROE) | 3.8625% | 4,142 |
| Retained earnings to average equity (ytd only) | 3.8625% | 2,504 |
| Net charge-offs to loans | 1.1802% | 2,077 |
| Credit loss provision to net charge-offs | 138.0841% | 3,555 |
| Earnings coverage of net charge-offs (x) | 0.8692% | 5,240 |
| Efficiency ratio | 84.8225% | 2,255 |
| Assets per employee ($millions) | 3.1911% | 5,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5969% | 3,294 |
| Loan loss allowance to noncurrent loans | 60.8280% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.5490% | 4,055 |
| Noncurrent loans to loans | 2.6253% | 2,933 |
| Net loans and leases to total assets | 52.6898% | 6,343 |
| Net loans and leases to deposits | 58.2052% | 6,773 |
| Net loans and leases to core deposits | 90.6149% | 5,061 |
| Total domestic deposits to total assets | 90.5242% | 735 |
| Equity capital to assets | 9.2833% | 4,718 |
| Core capital (leverage) ratio | 8.6950% | 4,930 |
| Tier 1 risk-based capital ratio | 16.0058% | 2,519 |
| Total risk-based capital ratio | 17.2581% | 2,454 |
| Memoranda: | ||
| Average total assets | $70,962,600 | 5,976 |
| Average earning assets | $66,846,800 | 5,899 |
| Average equity | $6,291,200 | 6,501 |
| Average total loans | $36,264,000 | 6,292 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4008% | 4,946 |
| Cost of funding earning assets | 2.2405% | 2,229 |
| Net interest margin | 3.1603% | 6,143 |
| Noninterest income to average assets | 0.4244% | 5,098 |
| Noninterest expense to average assets | 2.8834% | 4,525 |
| Loan and lease loss provision to assets | 0.8339% | 2,294 |
| Net operating income to assets | -0.3132% | 6,219 |
| Return on assets (ROA) | 0.3984% | 4,506 |
| Pretax return on assets | 0.3984% | 4,805 |
| Return on Equity (ROE) | 4.5438% | 4,141 |
| Retained earnings to average equity (ytd only) | 4.5438% | 2,737 |
| Net charge-offs to loans | 1.0634% | 1,867 |
| Credit loss provision to net charge-offs | 155.1724% | 3,079 |
| Earnings coverage of net charge-offs (x) | 0.9690% | 5,094 |
| Efficiency ratio | 84.7033% | 2,222 |
| Assets per employee ($millions) | 3.4586% | 5,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 3,089 |
| Loan loss allowance to noncurrent loans | 276.6990% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.8151% | 5,465 |
| Noncurrent loans to loans | 0.5702% | 6,178 |
| Net loans and leases to total assets | 48.9571% | 6,872 |
| Net loans and leases to deposits | 53.8333% | 7,225 |
| Net loans and leases to core deposits | 89.1938% | 5,513 |
| Total domestic deposits to total assets | 90.9419% | 439 |
| Equity capital to assets | 8.7139% | 5,936 |
| Core capital (leverage) ratio | 8.1100% | 6,171 |
| Tier 1 risk-based capital ratio | 16.1314% | 2,586 |
| Total risk-based capital ratio | 17.3782% | 2,523 |
| Memoranda: | ||
| Average total assets | $71,950,000 | 5,980 |
| Average earning assets | $67,840,000 | 5,913 |
| Average equity | $6,308,750 | 6,552 |
| Average total loans | $36,359,500 | 6,326 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4246% | 5,017 |
| Cost of funding earning assets | 2.3177% | 2,287 |
| Net interest margin | 3.1070% | 6,213 |
| Noninterest income to average assets | 0.4378% | 4,957 |
| Noninterest expense to average assets | 2.8052% | 4,941 |
| Loan and lease loss provision to assets | 0.4740% | 3,151 |
| Net operating income to assets | 0.0892% | 5,596 |
| Return on assets (ROA) | 0.4936% | 4,237 |
| Pretax return on assets | 0.4936% | 4,642 |
| Return on Equity (ROE) | 5.6173% | 3,816 |
| Retained earnings to average equity (ytd only) | 5.6173% | 2,194 |
| Net charge-offs to loans | 0.7739% | 2,133 |
| Credit loss provision to net charge-offs | 120.5674% | 3,849 |
| Earnings coverage of net charge-offs (x) | 1.4326% | 4,457 |
| Efficiency ratio | 83.2781% | 2,570 |
| Assets per employee ($millions) | 3.4192% | 5,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 4,824 |
| Loan loss allowance to noncurrent loans | 292.6667% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.9704% | 5,034 |
| Noncurrent loans to loans | 0.4164% | 6,467 |
| Net loans and leases to total assets | 47.3073% | 7,095 |
| Net loans and leases to deposits | 51.7916% | 7,394 |
| Net loans and leases to core deposits | 85.6483% | 5,941 |
| Total domestic deposits to total assets | 91.3417% | 353 |
| Equity capital to assets | 8.3299% | 6,294 |
| Core capital (leverage) ratio | 8.2497% | 5,888 |
| Tier 1 risk-based capital ratio | 15.4515% | 2,831 |
| Total risk-based capital ratio | 16.5809% | 2,812 |
| Memoranda: | ||
| Average total assets | $71,723,000 | 6,037 |
| Average earning assets | $67,654,670 | 5,958 |
| Average equity | $6,302,000 | 6,609 |
| Average total loans | $36,436,670 | 6,380 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6111% | 4,289 |
| Cost of funding earning assets | 2.4272% | 2,186 |
| Net interest margin | 3.1839% | 5,907 |
| Noninterest income to average assets | 0.4516% | 4,752 |
| Noninterest expense to average assets | 2.6696% | 5,151 |
| Loan and lease loss provision to assets | 0.4573% | 2,638 |
| Net operating income to assets | 0.3316% | 5,155 |
| Return on assets (ROA) | 0.8175% | 3,213 |
| Pretax return on assets | 0.8175% | 4,015 |
| Return on Equity (ROE) | 9.0506% | 2,694 |
| Retained earnings to average equity (ytd only) | 9.0506% | 1,467 |
| Net charge-offs to loans | 0.6768% | 1,827 |
| Credit loss provision to net charge-offs | 129.0323% | 3,105 |
| Earnings coverage of net charge-offs (x) | 2.2258% | 3,627 |
| Efficiency ratio | 77.1901% | 3,297 |
| Assets per employee ($millions) | 3.3342% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 5,122 |
| Loan loss allowance to noncurrent loans | 62.5731% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 0.9325% | 4,858 |
| Noncurrent loans to loans | 1.8374% | 3,510 |
| Net loans and leases to total assets | 50.1656% | 6,847 |
| Net loans and leases to deposits | 55.0440% | 7,217 |
| Net loans and leases to core deposits | 90.6176% | 5,496 |
| Total domestic deposits to total assets | 91.1374% | 369 |
| Equity capital to assets | 8.5981% | 5,918 |
| Core capital (leverage) ratio | 8.3995% | 5,719 |
| Tier 1 risk-based capital ratio | 14.7577% | 3,178 |
| Total risk-based capital ratio | 15.8176% | 3,204 |
| Memoranda: | ||
| Average total assets | $69,973,000 | 6,117 |
| Average earning assets | $66,083,500 | 6,036 |
| Average equity | $6,320,000 | 6,655 |
| Average total loans | $36,642,500 | 6,404 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4833% | 3,042 |
| Cost of funding earning assets | 2.7626% | 2,865 |
| Net interest margin | 3.7207% | 4,383 |
| Noninterest income to average assets | 0.5784% | 4,017 |
| Noninterest expense to average assets | 3.1488% | 3,518 |
| Loan and lease loss provision to assets | 0.3171% | 3,845 |
| Net operating income to assets | 0.5721% | 4,429 |
| Return on assets (ROA) | 0.6757% | 3,839 |
| Pretax return on assets | 0.6757% | 4,465 |
| Return on Equity (ROE) | 7.2975% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.2975% | 1,059 |
| Net charge-offs to loans | 0.3221% | 3,245 |
| Credit loss provision to net charge-offs | 187.7358% | 2,638 |
| Earnings coverage of net charge-offs (x) | 5.2642% | 3,711 |
| Efficiency ratio | 77.9795% | 2,919 |
| Assets per employee ($millions) | 3.0270% | 5,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 5,011 |
| Loan loss allowance to noncurrent loans | 56.8655% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 1.0827% | 4,129 |
| Noncurrent loans to loans | 1.9995% | 2,763 |
| Net loans and leases to total assets | 53.5327% | 6,702 |
| Net loans and leases to deposits | 59.3260% | 7,135 |
| Net loans and leases to core deposits | 88.9269% | 5,897 |
| Total domestic deposits to total assets | 90.2347% | 569 |
| Equity capital to assets | 9.5100% | 4,679 |
| Core capital (leverage) ratio | 8.8880% | 4,913 |
| Tier 1 risk-based capital ratio | 16.1936% | 2,587 |
| Total risk-based capital ratio | 17.3356% | 2,574 |
| Memoranda: | ||
| Average total assets | $62,754,200 | 6,288 |
| Average earning assets | $58,349,800 | 6,249 |
| Average equity | $5,810,200 | 6,876 |
| Average total loans | $32,906,600 | 6,558 |