Home > American Community Bank > Performance and Condition Ratios
American Community Bank, 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 | 5.1386% | 6,528 |
| Cost of funding earning assets | 2.5888% | 1,597 |
| Net interest margin | 2.5498% | 7,442 |
| Noninterest income to average assets | 0.4720% | 4,577 |
| Noninterest expense to average assets | 3.0720% | 3,483 |
| Loan and lease loss provision to assets | 1.7029% | 730 |
| Net operating income to assets | -1.2309% | 7,381 |
| Return on assets (ROA) | -1.2548% | 7,409 |
| Pretax return on assets | -1.9942% | 7,533 |
| Return on Equity (ROE) | -12.6442% | 7,504 |
| Retained earnings to average equity (ytd only) | -12.6442% | 7,301 |
| Net charge-offs to loans | 0.3004% | 2,908 |
| Credit loss provision to net charge-offs | 705.8824% | 841 |
| Earnings coverage of net charge-offs (x) | -1.0526% | 5,370 |
| Efficiency ratio | 108.2958% | 856 |
| Assets per employee ($millions) | 4.8972% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5612% | 719 |
| Loan loss allowance to noncurrent loans | 110.9654% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 1.9362% | 2,998 |
| Noncurrent loans to loans | 2.3081% | 2,848 |
| Net loans and leases to total assets | 78.2598% | 1,761 |
| Net loans and leases to deposits | 95.5877% | 2,015 |
| Net loans and leases to core deposits | 166.2786% | 404 |
| Total domestic deposits to total assets | 81.8723% | 4,602 |
| Equity capital to assets | 9.7611% | 4,295 |
| Core capital (leverage) ratio | 7.7965% | 6,752 |
| Tier 1 risk-based capital ratio | 9.2555% | 7,621 |
| Total risk-based capital ratio | 10.5228% | 7,588 |
| Memoranda: | ||
| Average total assets | $535,542,500 | 1,322 |
| Average earning assets | $492,737,000 | 1,319 |
| Average equity | $53,147,000 | 1,277 |
| Average total loans | $430,074,500 | 1,173 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3024% | 3,951 |
| Cost of funding earning assets | 2.9953% | 1,885 |
| Net interest margin | 3.3072% | 6,010 |
| Noninterest income to average assets | 0.5880% | 3,939 |
| Noninterest expense to average assets | 2.8254% | 4,713 |
| Loan and lease loss provision to assets | 0.9515% | 1,553 |
| Net operating income to assets | -0.1021% | 6,498 |
| Return on assets (ROA) | -0.4641% | 6,771 |
| Pretax return on assets | -0.6999% | 6,809 |
| Return on Equity (ROE) | -4.5985% | 6,819 |
| Retained earnings to average equity (ytd only) | -4.5985% | 6,435 |
| Net charge-offs to loans | 0.3921% | 2,859 |
| Credit loss provision to net charge-offs | 309.5356% | 1,457 |
| Earnings coverage of net charge-offs (x) | 2.6025% | 4,786 |
| Efficiency ratio | 77.3718% | 3,024 |
| Assets per employee ($millions) | 4.5118% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1343% | 1,023 |
| Loan loss allowance to noncurrent loans | 129.6207% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 1.3221% | 3,575 |
| Noncurrent loans to loans | 1.6466% | 3,302 |
| Net loans and leases to total assets | 78.5820% | 1,984 |
| Net loans and leases to deposits | 96.4342% | 2,380 |
| Net loans and leases to core deposits | 166.8673% | 461 |
| Total domestic deposits to total assets | 81.4877% | 4,418 |
| Equity capital to assets | 10.0887% | 3,930 |
| Core capital (leverage) ratio | 8.0347% | 6,430 |
| Tier 1 risk-based capital ratio | 9.6851% | 7,104 |
| Total risk-based capital ratio | 10.9473% | 6,993 |
| Memoranda: | ||
| Average total assets | $525,372,400 | 1,285 |
| Average earning assets | $482,529,800 | 1,275 |
| Average equity | $53,017,200 | 1,273 |
| Average total loans | $411,885,400 | 1,167 |