Home > American Marine Bank > Performance and Condition Ratios
American Marine Bank, Performance and Condition Ratios
| 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 | 5.5687% | 3,762 |
| Cost of funding earning assets | 1.8804% | 3,559 |
| Net interest margin | 3.6883% | 4,190 |
| Noninterest income to average assets | 0.3256% | 5,753 |
| Noninterest expense to average assets | 4.2298% | 1,056 |
| Loan and lease loss provision to assets | 8.2961% | 38 |
| Net operating income to assets | -8.5575% | 7,947 |
| Return on assets (ROA) | -8.2124% | 7,935 |
| Pretax return on assets | -8.5624% | 7,933 |
| Return on Equity (ROE) | -234.7264% | 8,003 |
| Retained earnings to average equity (ytd only) | -235.1728% | 8,003 |
| Net charge-offs to loans | 8.6373% | 62 |
| Credit loss provision to net charge-offs | 131.1524% | 3,866 |
| Earnings coverage of net charge-offs (x) | -0.0989% | 6,333 |
| Efficiency ratio | 117.3565% | 652 |
| Assets per employee ($millions) | 2.7437% | 6,770 |
| Cash dividends to net income (ytd only)* | -0.1902% | 7,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7602% | 202 |
| Loan loss allowance to noncurrent loans | 53.4137% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 10.6729% | 324 |
| Noncurrent loans to loans | 8.9120% | 516 |
| Net loans and leases to total assets | 69.5055% | 3,362 |
| Net loans and leases to deposits | 79.6137% | 4,063 |
| Net loans and leases to core deposits | 100.9894% | 3,903 |
| Total domestic deposits to total assets | 87.3034% | 2,324 |
| Equity capital to assets | 0.7159% | 7,991 |
| Core capital (leverage) ratio | 0.7603% | 7,986 |
| Tier 1 risk-based capital ratio | 1.0932% | 7,986 |
| Total risk-based capital ratio | 2.1863% | 7,986 |
| Memoranda: | ||
| Average total assets | $371,365,800 | 1,836 |
| Average earning assets | $330,096,400 | 1,880 |
| Average equity | $12,993,000 | 4,514 |
| Average total loans | $271,970,200 | 1,769 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5046% | 4,394 |
| Cost of funding earning assets | 1.9467% | 3,630 |
| Net interest margin | 3.5579% | 4,646 |
| Noninterest income to average assets | 0.4102% | 5,210 |
| Noninterest expense to average assets | 4.1057% | 1,136 |
| Loan and lease loss provision to assets | 10.7562% | 17 |
| Net operating income to assets | -11.2262% | 8,055 |
| Return on assets (ROA) | -10.7751% | 8,053 |
| Pretax return on assets | -10.8104% | 8,051 |
| Return on Equity (ROE) | -262.9034% | 8,084 |
| Retained earnings to average equity (ytd only) | -264.8541% | 8,084 |
| Net charge-offs to loans | 10.7891% | 39 |
| Credit loss provision to net charge-offs | 136.0281% | 3,650 |
| Earnings coverage of net charge-offs (x) | -0.0639% | 6,141 |
| Efficiency ratio | 114.0308% | 694 |
| Assets per employee ($millions) | 3.0113% | 6,135 |
| Cash dividends to net income (ytd only)* | -0.7420% | 7,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7613% | 164 |
| Loan loss allowance to noncurrent loans | 45.7049% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 9.5446% | 378 |
| Noncurrent loans to loans | 10.4174% | 372 |
| Net loans and leases to total assets | 67.9759% | 3,966 |
| Net loans and leases to deposits | 79.6348% | 4,449 |
| Net loans and leases to core deposits | 99.4353% | 4,435 |
| Total domestic deposits to total assets | 85.3596% | 3,047 |
| Equity capital to assets | 0.7046% | 8,077 |
| Core capital (leverage) ratio | 0.4182% | 8,081 |
| Tier 1 risk-based capital ratio | 0.6396% | 8,080 |
| Total risk-based capital ratio | 1.2793% | 8,080 |
| Memoranda: | ||
| Average total assets | $381,895,750 | 1,804 |
| Average earning assets | $342,445,250 | 1,839 |
| Average equity | $15,652,000 | 3,975 |
| Average total loans | $279,892,250 | 1,743 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4849% | 4,717 |
| Cost of funding earning assets | 2.0011% | 3,774 |
| Net interest margin | 3.4838% | 4,872 |
| Noninterest income to average assets | 0.1271% | 7,339 |
| Noninterest expense to average assets | 3.9239% | 1,438 |
| Loan and lease loss provision to assets | 9.7648% | 39 |
| Net operating income to assets | -10.3951% | 8,130 |
| Return on assets (ROA) | -10.2783% | 8,124 |
| Pretax return on assets | -10.3127% | 8,109 |
| Return on Equity (ROE) | -199.5737% | 8,147 |
| Retained earnings to average equity (ytd only) | -200.3629% | 8,146 |
| Net charge-offs to loans | 9.5711% | 63 |
| Credit loss provision to net charge-offs | 138.0866% | 3,384 |
| Earnings coverage of net charge-offs (x) | -0.0940% | 5,790 |
| Efficiency ratio | 120.3946% | 658 |
| Assets per employee ($millions) | 3.0818% | 5,914 |
| Cash dividends to net income (ytd only)* | -0.3954% | 7,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3627% | 420 |
| Loan loss allowance to noncurrent loans | 34.7099% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 8.8862% | 386 |
| Noncurrent loans to loans | 9.6879% | 374 |
| Net loans and leases to total assets | 70.3528% | 3,615 |
| Net loans and leases to deposits | 84.7392% | 3,759 |
| Net loans and leases to core deposits | 109.6422% | 3,416 |
| Total domestic deposits to total assets | 83.0228% | 4,224 |
| Equity capital to assets | 3.4799% | 8,109 |
| Core capital (leverage) ratio | 3.3028% | 8,115 |
| Tier 1 risk-based capital ratio | 4.6350% | 8,109 |
| Total risk-based capital ratio | 5.9118% | 8,112 |
| Memoranda: | ||
| Average total assets | $388,742,330 | 1,802 |
| Average earning assets | $349,504,330 | 1,823 |
| Average equity | $20,020,670 | 3,242 |
| Average total loans | $287,218,000 | 1,719 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6330% | 4,149 |
| Cost of funding earning assets | 2.0594% | 3,830 |
| Net interest margin | 3.5736% | 4,437 |
| Noninterest income to average assets | -0.6652% | 8,201 |
| Noninterest expense to average assets | 3.7312% | 1,595 |
| Loan and lease loss provision to assets | 19.3652% | 10 |
| Net operating income to assets | -20.5110% | 8,224 |
| Return on assets (ROA) | -20.2794% | 8,217 |
| Pretax return on assets | -20.3131% | 8,214 |
| Return on Equity (ROE) | -340.0222% | 8,223 |
| Retained earnings to average equity (ytd only) | -341.3737% | 8,222 |
| Net charge-offs to loans | 18.7669% | 20 |
| Credit loss provision to net charge-offs | 138.6717% | 2,935 |
| Earnings coverage of net charge-offs (x) | -0.0845% | 5,060 |
| Efficiency ratio | 146.2215% | 377 |
| Assets per employee ($millions) | 2.8252% | 6,584 |
| Cash dividends to net income (ytd only)* | -0.3975% | 8,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3453% | 360 |
| Loan loss allowance to noncurrent loans | 36.9166% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 8.5858% | 316 |
| Noncurrent loans to loans | 9.0617% | 350 |
| Net loans and leases to total assets | 71.8394% | 3,278 |
| Net loans and leases to deposits | 86.2698% | 3,581 |
| Net loans and leases to core deposits | 111.3135% | 3,281 |
| Total domestic deposits to total assets | 83.2730% | 4,004 |
| Equity capital to assets | 3.5129% | 8,186 |
| Core capital (leverage) ratio | 3.3366% | 8,195 |
| Tier 1 risk-based capital ratio | 4.6193% | 8,186 |
| Total risk-based capital ratio | 5.8963% | 8,182 |
| Memoranda: | ||
| Average total assets | $392,043,000 | 1,794 |
| Average earning assets | $352,921,500 | 1,816 |
| Average equity | $23,382,000 | 2,834 |
| Average total loans | $291,726,000 | 1,703 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5064% | 2,927 |
| Cost of funding earning assets | 2.4679% | 4,377 |
| Net interest margin | 4.0385% | 2,944 |
| Noninterest income to average assets | 0.5511% | 4,222 |
| Noninterest expense to average assets | 3.5794% | 2,202 |
| Loan and lease loss provision to assets | 0.5431% | 2,651 |
| Net operating income to assets | 0.1756% | 5,924 |
| Return on assets (ROA) | 0.2307% | 5,578 |
| Pretax return on assets | 0.1421% | 5,856 |
| Return on Equity (ROE) | 2.8205% | 5,298 |
| Retained earnings to average equity (ytd only) | -1.1952% | 5,655 |
| Net charge-offs to loans | 0.7052% | 1,751 |
| Credit loss provision to net charge-offs | 100.6292% | 5,269 |
| Earnings coverage of net charge-offs (x) | 1.1676% | 5,541 |
| Efficiency ratio | 84.8401% | 1,973 |
| Assets per employee ($millions) | 3.1680% | 5,569 |
| Cash dividends to net income (ytd only)* | 142.3764% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 3,396 |
| Loan loss allowance to noncurrent loans | 22.0109% | 7,143 |
| Noncurrent assets plus other real estate owned to assets | 5.5745% | 569 |
| Noncurrent loans to loans | 6.1966% | 545 |
| Net loans and leases to total assets | 73.4759% | 3,235 |
| Net loans and leases to deposits | 92.9279% | 2,970 |
| Net loans and leases to core deposits | 122.2921% | 2,476 |
| Total domestic deposits to total assets | 79.0677% | 5,354 |
| Equity capital to assets | 8.2526% | 6,478 |
| Core capital (leverage) ratio | 8.1898% | 6,183 |
| Tier 1 risk-based capital ratio | 10.5604% | 6,143 |
| Total risk-based capital ratio | 11.8123% | 6,047 |
| Memoranda: | ||
| Average total assets | $412,276,600 | 1,648 |
| Average earning assets | $373,481,000 | 1,665 |
| Average equity | $33,717,000 | 2,008 |
| Average total loans | $315,528,200 | 1,533 |