Home > American Bank of New Jersey > Performance and Condition Ratios
American Bank of New Jersey, 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 | 5.1114% | 6,612 |
| Cost of funding earning assets | 2.6966% | 1,284 |
| Net interest margin | 2.4148% | 7,597 |
| Noninterest income to average assets | 0.2391% | 6,541 |
| Noninterest expense to average assets | 2.0454% | 7,238 |
| Loan and lease loss provision to assets | 0.9353% | 1,388 |
| Net operating income to assets | -0.2496% | 6,616 |
| Return on assets (ROA) | -0.2496% | 6,694 |
| Pretax return on assets | -0.4658% | 6,798 |
| Return on Equity (ROE) | -2.1193% | 6,677 |
| Retained earnings to average equity (ytd only) | -2.1193% | 6,128 |
| Net charge-offs to loans | 1.2221% | 1,143 |
| Credit loss provision to net charge-offs | 100.2649% | 3,710 |
| Earnings coverage of net charge-offs (x) | 0.5033% | 4,582 |
| Efficiency ratio | 81.3314% | 2,635 |
| Assets per employee ($millions) | 9.0055% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6277% | 7,612 |
| Loan loss allowance to noncurrent loans | 28.6639% | 6,640 |
| Noncurrent assets plus other real estate owned to assets | 1.6229% | 3,482 |
| Noncurrent loans to loans | 2.1898% | 2,992 |
| Net loans and leases to total assets | 73.6465% | 2,857 |
| Net loans and leases to deposits | 96.4349% | 1,880 |
| Net loans and leases to core deposits | 128.1495% | 1,774 |
| Total domestic deposits to total assets | 76.3692% | 6,440 |
| Equity capital to assets | 11.4953% | 2,591 |
| Core capital (leverage) ratio | 11.3479% | 2,247 |
| Tier 1 risk-based capital ratio | 18.1887% | 2,004 |
| Total risk-based capital ratio | 18.9356% | 2,075 |
| Memoranda: | ||
| Average total assets | $647,511,500 | 1,098 |
| Average earning assets | $610,246,500 | 1,053 |
| Average equity | $76,250,000 | 873 |
| Average total loans | $494,223,000 | 1,017 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5452% | 7,201 |
| Cost of funding earning assets | 3.0420% | 1,709 |
| Net interest margin | 2.5032% | 7,749 |
| Noninterest income to average assets | 0.2707% | 6,519 |
| Noninterest expense to average assets | 2.1381% | 7,141 |
| Loan and lease loss provision to assets | 0.0838% | 6,342 |
| Net operating income to assets | 0.2571% | 5,685 |
| Return on assets (ROA) | 0.2573% | 5,500 |
| Pretax return on assets | 0.3848% | 5,305 |
| Return on Equity (ROE) | 2.0544% | 5,602 |
| Retained earnings to average equity (ytd only) | -6.3864% | 6,708 |
| Net charge-offs to loans | 0.0266% | 6,460 |
| Credit loss provision to net charge-offs | 408.7302% | 1,069 |
| Earnings coverage of net charge-offs (x) | 22.8492% | 1,448 |
| Efficiency ratio | 82.0332% | 2,301 |
| Assets per employee ($millions) | 8.6112% | 383 |
| Cash dividends to net income (ytd only)* | 410.8723% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6260% | 7,620 |
| Loan loss allowance to noncurrent loans | 162.9474% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 6,390 |
| Noncurrent loans to loans | 0.3842% | 6,190 |
| Net loans and leases to total assets | 78.1820% | 2,089 |
| Net loans and leases to deposits | 104.7018% | 1,270 |
| Net loans and leases to core deposits | 138.4340% | 1,347 |
| Total domestic deposits to total assets | 74.6711% | 6,523 |
| Equity capital to assets | 12.0732% | 2,248 |
| Core capital (leverage) ratio | 11.9845% | 1,969 |
| Tier 1 risk-based capital ratio | 18.4112% | 1,935 |
| Total risk-based capital ratio | 19.1686% | 2,003 |
| Memoranda: | ||
| Average total assets | $614,788,800 | 1,097 |
| Average earning assets | $573,671,600 | 1,078 |
| Average equity | $77,007,200 | 863 |
| Average total loans | $472,992,000 | 1,024 |