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American Bank Center, Performance and Condition Ratios
| 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 | 5.8851% | 2,871 |
| Cost of funding earning assets | 1.2572% | 7,155 |
| Net interest margin | 4.6279% | 896 |
| Noninterest income to average assets | 2.0294% | 359 |
| Noninterest expense to average assets | 4.1807% | 962 |
| Loan and lease loss provision to assets | -0.4234% | 8,223 |
| Net operating income to assets | 1.6504% | 713 |
| Return on assets (ROA) | 1.6640% | 765 |
| Pretax return on assets | 2.5479% | 233 |
| Return on Equity (ROE) | 20.0663% | 417 |
| Retained earnings to average equity (ytd only) | 20.0663% | 159 |
| Net charge-offs to loans | -1.3618% | 8,168 |
| Credit loss provision to net charge-offs | 44.8819% | 4,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5556% | 5,415 |
| Assets per employee ($millions) | 2.1364% | 7,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 4,043 |
| Loan loss allowance to noncurrent loans | 265.8385% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 6,430 |
| Noncurrent loans to loans | 0.4912% | 6,198 |
| Net loans and leases to total assets | 72.1119% | 3,220 |
| Net loans and leases to deposits | 80.6254% | 4,514 |
| Net loans and leases to core deposits | 90.0222% | 5,550 |
| Total domestic deposits to total assets | 89.4406% | 1,039 |
| Equity capital to assets | 8.5351% | 6,021 |
| Core capital (leverage) ratio | 7.9780% | 6,494 |
| Tier 1 risk-based capital ratio | 9.7915% | 7,151 |
| Total risk-based capital ratio | 10.9794% | 7,132 |
| Memoranda: | ||
| Average total assets | $269,237,500 | 2,471 |
| Average earning assets | $247,542,500 | 2,469 |
| Average equity | $22,326,000 | 2,944 |
| Average total loans | $186,515,500 | 2,512 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7273% | 1,931 |
| Cost of funding earning assets | 1.9208% | 6,670 |
| Net interest margin | 4.8064% | 774 |
| Noninterest income to average assets | 2.4828% | 255 |
| Noninterest expense to average assets | 4.5290% | 867 |
| Loan and lease loss provision to assets | 0.3328% | 3,729 |
| Net operating income to assets | 1.4288% | 1,171 |
| Return on assets (ROA) | 1.4332% | 1,117 |
| Pretax return on assets | 2.0140% | 584 |
| Return on Equity (ROE) | 16.5125% | 699 |
| Retained earnings to average equity (ytd only) | 3.3530% | 3,062 |
| Net charge-offs to loans | 0.0400% | 6,229 |
| Credit loss provision to net charge-offs | 1,183.8235% | 380 |
| Earnings coverage of net charge-offs (x) | 83.2647% | 501 |
| Efficiency ratio | 64.9416% | 5,342 |
| Assets per employee ($millions) | 2.3016% | 7,561 |
| Cash dividends to net income (ytd only)* | 79.6943% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 4,065 |
| Loan loss allowance to noncurrent loans | 550.3722% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 6,973 |
| Noncurrent loans to loans | 0.2285% | 6,703 |
| Net loans and leases to total assets | 64.6629% | 5,139 |
| Net loans and leases to deposits | 72.3503% | 6,017 |
| Net loans and leases to core deposits | 81.3165% | 6,514 |
| Total domestic deposits to total assets | 89.3747% | 888 |
| Equity capital to assets | 8.0496% | 6,780 |
| Core capital (leverage) ratio | 7.9740% | 6,534 |
| Tier 1 risk-based capital ratio | 9.9957% | 6,741 |
| Total risk-based capital ratio | 11.1039% | 6,779 |
| Memoranda: | ||
| Average total assets | $241,909,000 | 2,637 |
| Average earning assets | $220,788,000 | 2,650 |
| Average equity | $20,996,200 | 3,095 |
| Average total loans | $170,002,600 | 2,618 |