Home > American Home Bank > Performance and Condition Ratios
American Home Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2474% | 7,564 |
| Cost of funding earning assets | 0.0000% | 7,555 |
| Net interest margin | 0.2474% | 7,559 |
| Noninterest income to average assets | 1.5599% | 536 |
| Noninterest expense to average assets | 6.9825% | 147 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -5.2183% | 7,494 |
| Return on assets (ROA) | -5.2183% | 7,494 |
| Pretax return on assets | -5.2183% | 7,484 |
| Return on Equity (ROE) | -5.5041% | 6,836 |
| Retained earnings to average equity (ytd only) | -5.5041% | 6,555 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 395.7895% | 16 |
| Assets per employee ($millions) | 5.3413% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 7,583 |
| Equity capital to assets | 94.9263% | 3 |
| Core capital (leverage) ratio | 94.9263% | 2 |
| Tier 1 risk-based capital ratio | 356.0569% | 15 |
| Total risk-based capital ratio | 356.0569% | 15 |
| Memoranda: | ||
| Average total assets | $21,539,500 | 7,368 |
| Average earning assets | $17,782,500 | 7,389 |
| Average equity | $20,421,000 | 3,061 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7386% | 7,610 |
| Cost of funding earning assets | 1.2637% | 4,115 |
| Net interest margin | -0.5251% | 7,653 |
| Noninterest income to average assets | -8.1346% | 7,658 |
| Noninterest expense to average assets | 6.3862% | 194 |
| Loan and lease loss provision to assets | -0.3089% | 7,635 |
| Net operating income to assets | -15.2230% | 7,652 |
| Return on assets (ROA) | -15.2230% | 7,652 |
| Pretax return on assets | -14.7082% | 7,652 |
| Return on Equity (ROE) | -20.1904% | 7,042 |
| Retained earnings to average equity (ytd only) | -20.1904% | 7,016 |
| Net charge-offs to loans | 6.7748% | 65 |
| Credit loss provision to net charge-offs | -61.4754% | 7,011 |
| Earnings coverage of net charge-offs (x) | -29.8852% | 6,830 |
| Efficiency ratio | -73.0613% | 7,648 |
| Assets per employee ($millions) | 3.1020% | 5,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 7,665 |
| Equity capital to assets | 94.6901% | 4 |
| Core capital (leverage) ratio | 94.6901% | 5 |
| Tier 1 risk-based capital ratio | 351.2899% | 19 |
| Total risk-based capital ratio | 351.2899% | 19 |
| Memoranda: | ||
| Average total assets | $48,558,000 | 6,589 |
| Average earning assets | $45,896,800 | 6,515 |
| Average equity | $36,611,400 | 1,809 |
| Average total loans | $3,601,600 | 7,584 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8154% | 7,729 |
| Cost of funding earning assets | 0.6993% | 7,061 |
| Net interest margin | 0.1161% | 7,750 |
| Noninterest income to average assets | -9.5337% | 7,761 |
| Noninterest expense to average assets | 5.4110% | 286 |
| Loan and lease loss provision to assets | -0.3619% | 7,739 |
| Net operating income to assets | -15.0750% | 7,753 |
| Return on assets (ROA) | -15.0750% | 7,753 |
| Pretax return on assets | -14.4719% | 7,753 |
| Return on Equity (ROE) | -20.5095% | 7,232 |
| Retained earnings to average equity (ytd only) | -20.5095% | 7,217 |
| Net charge-offs to loans | 7.2263% | 58 |
| Credit loss provision to net charge-offs | -61.4754% | 6,887 |
| Earnings coverage of net charge-offs (x) | -25.2004% | 6,650 |
| Efficiency ratio | -57.1429% | 7,750 |
| Assets per employee ($millions) | 6.2425% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 0.0020% | 7,719 |
| Net loans and leases to deposits | 0.0085% | 7,718 |
| Net loans and leases to core deposits | 0.0117% | 7,698 |
| Total domestic deposits to total assets | 23.6524% | 7,706 |
| Equity capital to assets | 73.4962% | 36 |
| Core capital (leverage) ratio | 73.4962% | 33 |
| Tier 1 risk-based capital ratio | 359.7726% | 21 |
| Total risk-based capital ratio | 359.7726% | 21 |
| Memoranda: | ||
| Average total assets | $55,269,000 | 6,439 |
| Average earning assets | $52,814,500 | 6,335 |
| Average equity | $40,624,000 | 1,639 |
| Average total loans | $4,502,000 | 7,665 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8360% | 7,804 |
| Cost of funding earning assets | 0.7071% | 7,184 |
| Net interest margin | 0.1289% | 7,819 |
| Noninterest income to average assets | -1.6583% | 7,815 |
| Noninterest expense to average assets | 5.3536% | 298 |
| Loan and lease loss provision to assets | 0.5259% | 2,685 |
| Net operating income to assets | -8.2917% | 7,789 |
| Return on assets (ROA) | -8.2917% | 7,790 |
| Pretax return on assets | -7.4152% | 7,770 |
| Return on Equity (ROE) | -11.2805% | 7,013 |
| Retained earnings to average equity (ytd only) | -11.2805% | 6,967 |
| Net charge-offs to loans | 8.1302% | 58 |
| Credit loss provision to net charge-offs | 61.4754% | 5,179 |
| Earnings coverage of net charge-offs (x) | -8.0533% | 6,312 |
| Efficiency ratio | -346.8037% | 7,823 |
| Assets per employee ($millions) | 6.9203% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4064% | 136 |
| Loan loss allowance to noncurrent loans | 43.0416% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 1.2590% | 4,629 |
| Noncurrent loans to loans | 12.5608% | 252 |
| Net loans and leases to total assets | 9.4812% | 7,757 |
| Net loans and leases to deposits | 39.2772% | 7,456 |
| Net loans and leases to core deposits | 58.2058% | 6,817 |
| Total domestic deposits to total assets | 24.1393% | 7,774 |
| Equity capital to assets | 73.3138% | 37 |
| Core capital (leverage) ratio | 73.3138% | 33 |
| Tier 1 risk-based capital ratio | 296.7176% | 24 |
| Total risk-based capital ratio | 297.9823% | 24 |
| Memoranda: | ||
| Average total assets | $57,045,330 | 6,432 |
| Average earning assets | $54,307,000 | 6,311 |
| Average equity | $41,930,670 | 1,572 |
| Average total loans | $6,002,330 | 7,696 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8529% | 7,910 |
| Cost of funding earning assets | 0.7071% | 7,317 |
| Net interest margin | 0.1458% | 7,919 |
| Noninterest income to average assets | 0.0138% | 7,614 |
| Noninterest expense to average assets | 5.0029% | 364 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -4.8508% | 7,776 |
| Return on assets (ROA) | -4.8508% | 7,783 |
| Pretax return on assets | -4.8508% | 7,754 |
| Return on Equity (ROE) | -6.5912% | 6,961 |
| Retained earnings to average equity (ytd only) | -6.5912% | 6,699 |
| Net charge-offs to loans | -0.0642% | 7,421 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3,272.7273% | 6 |
| Assets per employee ($millions) | 7.1780% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4134% | 82 |
| Loan loss allowance to noncurrent loans | 33.7031% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 2.0410% | 3,452 |
| Noncurrent loans to loans | 19.0291% | 93 |
| Net loans and leases to total assets | 10.0376% | 7,858 |
| Net loans and leases to deposits | 41.4617% | 7,474 |
| Net loans and leases to core deposits | 63.1256% | 6,517 |
| Total domestic deposits to total assets | 24.2094% | 7,878 |
| Equity capital to assets | 73.5772% | 35 |
| Core capital (leverage) ratio | 73.4617% | 31 |
| Tier 1 risk-based capital ratio | 283.7714% | 21 |
| Total risk-based capital ratio | 285.0416% | 21 |
| Memoranda: | ||
| Average total assets | $57,887,000 | 6,473 |
| Average earning assets | $54,873,500 | 6,363 |
| Average equity | $42,602,000 | 1,572 |
| Average total loans | $6,229,000 | 7,785 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1341% | 7,966 |
| Cost of funding earning assets | 0.8161% | 7,534 |
| Net interest margin | 0.3180% | 7,979 |
| Noninterest income to average assets | 0.4448% | 4,842 |
| Noninterest expense to average assets | 3.7439% | 1,812 |
| Loan and lease loss provision to assets | 1.4559% | 1,583 |
| Net operating income to assets | -7.2490% | 7,907 |
| Return on assets (ROA) | -7.2490% | 7,900 |
| Pretax return on assets | -4.4589% | 7,632 |
| Return on Equity (ROE) | -13.5393% | 6,858 |
| Retained earnings to average equity (ytd only) | -13.5393% | 6,785 |
| Net charge-offs to loans | 13.8950% | 13 |
| Credit loss provision to net charge-offs | 120.7283% | 4,426 |
| Earnings coverage of net charge-offs (x) | -2.4902% | 7,033 |
| Efficiency ratio | 502.7356% | 30 |
| Assets per employee ($millions) | 7.2938% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2550% | 92 |
| Loan loss allowance to noncurrent loans | 33.6177% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 2.0086% | 3,382 |
| Noncurrent loans to loans | 18.6061% | 92 |
| Net loans and leases to total assets | 10.1200% | 7,932 |
| Net loans and leases to deposits | 41.5933% | 7,579 |
| Net loans and leases to core deposits | 44.0212% | 7,704 |
| Total domestic deposits to total assets | 24.3308% | 7,955 |
| Equity capital to assets | 73.6127% | 37 |
| Core capital (leverage) ratio | 73.4991% | 32 |
| Tier 1 risk-based capital ratio | 281.3480% | 20 |
| Total risk-based capital ratio | 282.6130% | 20 |
| Memoranda: | ||
| Average total assets | $88,812,000 | 5,426 |
| Average earning assets | $82,711,800 | 5,373 |
| Average equity | $47,550,400 | 1,412 |
| Average total loans | $7,707,800 | 7,794 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2207% | 8,056 |
| Cost of funding earning assets | 0.8411% | 7,638 |
| Net interest margin | 0.3796% | 8,062 |
| Noninterest income to average assets | 1.1725% | 1,139 |
| Noninterest expense to average assets | 3.6282% | 1,968 |
| Loan and lease loss provision to assets | 1.5210% | 1,256 |
| Net operating income to assets | -2.1860% | 7,378 |
| Return on assets (ROA) | -2.1860% | 7,373 |
| Pretax return on assets | -3.6240% | 7,627 |
| Return on Equity (ROE) | -4.3285% | 6,378 |
| Retained earnings to average equity (ytd only) | -4.3285% | 6,160 |
| Net charge-offs to loans | 17.6174% | 9 |
| Credit loss provision to net charge-offs | 103.2864% | 4,927 |
| Earnings coverage of net charge-offs (x) | -1.4282% | 6,693 |
| Efficiency ratio | 236.7180% | 99 |
| Assets per employee ($millions) | 8.1700% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2420% | 537 |
| Loan loss allowance to noncurrent loans | 19.7519% | 7,107 |
| Noncurrent assets plus other real estate owned to assets | 1.6034% | 3,946 |
| Noncurrent loans to loans | 16.4135% | 119 |
| Net loans and leases to total assets | 9.4523% | 8,019 |
| Net loans and leases to deposits | 37.6134% | 7,789 |
| Net loans and leases to core deposits | 40.0026% | 7,851 |
| Total domestic deposits to total assets | 25.1300% | 8,035 |
| Equity capital to assets | 73.1502% | 37 |
| Core capital (leverage) ratio | 73.1502% | 34 |
| Tier 1 risk-based capital ratio | 236.5593% | 29 |
| Total risk-based capital ratio | 237.5835% | 29 |
| Memoranda: | ||
| Average total assets | $96,427,500 | 5,231 |
| Average earning assets | $89,565,750 | 5,177 |
| Average equity | $48,699,750 | 1,402 |
| Average total loans | $8,060,000 | 7,859 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3454% | 8,146 |
| Cost of funding earning assets | 0.8576% | 7,751 |
| Net interest margin | 0.4878% | 8,140 |
| Noninterest income to average assets | 2.0041% | 373 |
| Noninterest expense to average assets | 3.6073% | 2,053 |
| Loan and lease loss provision to assets | 1.4047% | 1,233 |
| Net operating income to assets | -1.5396% | 7,264 |
| Return on assets (ROA) | -1.5396% | 7,268 |
| Pretax return on assets | -2.5510% | 7,432 |
| Return on Equity (ROE) | -3.3554% | 6,402 |
| Retained earnings to average equity (ytd only) | -3.3554% | 6,024 |
| Net charge-offs to loans | 17.7529% | 14 |
| Credit loss provision to net charge-offs | 98.0392% | 4,674 |
| Earnings coverage of net charge-offs (x) | -0.8000% | 6,176 |
| Efficiency ratio | 145.8904% | 390 |
| Assets per employee ($millions) | 11.4433% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2472% | 1,170 |
| Loan loss allowance to noncurrent loans | 12.6418% | 7,436 |
| Noncurrent assets plus other real estate owned to assets | 1.3480% | 4,262 |
| Noncurrent loans to loans | 17.7759% | 78 |
| Net loans and leases to total assets | 7.4127% | 8,115 |
| Net loans and leases to deposits | 40.0922% | 7,811 |
| Net loans and leases to core deposits | 42.8139% | 7,894 |
| Total domestic deposits to total assets | 18.4891% | 8,137 |
| Equity capital to assets | 53.0542% | 60 |
| Core capital (leverage) ratio | 53.0542% | 58 |
| Tier 1 risk-based capital ratio | 186.8470% | 39 |
| Total risk-based capital ratio | 187.4510% | 39 |
| Memoranda: | ||
| Average total assets | $106,783,330 | 4,969 |
| Average earning assets | $100,043,330 | 4,891 |
| Average equity | $48,996,000 | 1,404 |
| Average total loans | $8,618,330 | 7,921 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5023% | 8,203 |
| Cost of funding earning assets | 0.9594% | 7,736 |
| Net interest margin | 0.5429% | 8,199 |
| Noninterest income to average assets | 4.2132% | 159 |
| Noninterest expense to average assets | 4.2027% | 937 |
| Loan and lease loss provision to assets | 2.6223% | 429 |
| Net operating income to assets | -1.2692% | 7,402 |
| Return on assets (ROA) | -1.2692% | 7,418 |
| Pretax return on assets | -2.1014% | 7,559 |
| Return on Equity (ROE) | -2.9506% | 6,769 |
| Retained earnings to average equity (ytd only) | -2.9506% | 6,267 |
| Net charge-offs to loans | 31.8088% | 3 |
| Credit loss provision to net charge-offs | 99.7340% | 3,808 |
| Earnings coverage of net charge-offs (x) | 0.1981% | 4,821 |
| Efficiency ratio | 88.6751% | 1,834 |
| Assets per employee ($millions) | 12.5199% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2682% | 987 |
| Loan loss allowance to noncurrent loans | 12.3636% | 7,476 |
| Noncurrent assets plus other real estate owned to assets | 1.3728% | 3,903 |
| Noncurrent loans to loans | 18.3456% | 50 |
| Net loans and leases to total assets | 7.3134% | 8,169 |
| Net loans and leases to deposits | 35.9033% | 7,944 |
| Net loans and leases to core deposits | 38.4232% | 7,996 |
| Total domestic deposits to total assets | 20.3696% | 8,188 |
| Equity capital to assets | 48.9502% | 68 |
| Core capital (leverage) ratio | 48.9502% | 76 |
| Tier 1 risk-based capital ratio | 176.7730% | 45 |
| Total risk-based capital ratio | 188.2026% | 42 |
| Memoranda: | ||
| Average total assets | $114,402,000 | 4,792 |
| Average earning assets | $107,565,500 | 4,702 |
| Average equity | $49,209,500 | 1,403 |
| Average total loans | $9,456,500 | 7,933 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5508% | 8,137 |
| Cost of funding earning assets | 2.0953% | 6,072 |
| Net interest margin | 1.4555% | 8,189 |
| Noninterest income to average assets | -1.0312% | 8,292 |
| Noninterest expense to average assets | 8.8337% | 181 |
| Loan and lease loss provision to assets | 0.0637% | 6,604 |
| Net operating income to assets | -7.4460% | 8,209 |
| Return on assets (ROA) | -7.4460% | 8,204 |
| Pretax return on assets | -8.5847% | 8,220 |
| Return on Equity (ROE) | -24.2377% | 7,849 |
| Retained earnings to average equity (ytd only) | -24.2377% | 7,792 |
| Net charge-offs to loans | 3.4148% | 235 |
| Credit loss provision to net charge-offs | 22.5632% | 6,570 |
| Earnings coverage of net charge-offs (x) | -30.2040% | 6,959 |
| Efficiency ratio | 975.7329% | 19 |
| Assets per employee ($millions) | 10.7204% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5064% | 2,650 |
| Loan loss allowance to noncurrent loans | 14.8660% | 7,397 |
| Noncurrent assets plus other real estate owned to assets | 0.8994% | 4,595 |
| Noncurrent loans to loans | 10.1331% | 205 |
| Net loans and leases to total assets | 8.7419% | 8,216 |
| Net loans and leases to deposits | 50.8685% | 7,590 |
| Net loans and leases to core deposits | 54.1246% | 7,799 |
| Total domestic deposits to total assets | 17.1853% | 8,244 |
| Equity capital to assets | 38.3933% | 110 |
| Core capital (leverage) ratio | 38.3933% | 120 |
| Tier 1 risk-based capital ratio | 138.6648% | 57 |
| Total risk-based capital ratio | 147.5701% | 53 |
| Memoranda: | ||
| Average total assets | $196,373,000 | 3,186 |
| Average earning assets | $181,310,000 | 3,169 |
| Average equity | $60,327,600 | 1,116 |
| Average total loans | $16,223,600 | 7,572 |