Home > American National Bank > Performance and Condition Ratios
American National 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 | 5.6452% | 3,374 |
| Cost of funding earning assets | 2.5576% | 880 |
| Net interest margin | 3.0875% | 6,406 |
| Noninterest income to average assets | -7.3314% | 8,010 |
| Noninterest expense to average assets | 3.9602% | 1,419 |
| Loan and lease loss provision to assets | 4.9532% | 200 |
| Net operating income to assets | -13.6969% | 7,995 |
| Return on assets (ROA) | -13.6467% | 7,995 |
| Pretax return on assets | -13.6467% | 7,993 |
| Return on Equity (ROE) | -220.0606% | 8,002 |
| Retained earnings to average equity (ytd only) | -220.0606% | 8,002 |
| Net charge-offs to loans | 5.0850% | 246 |
| Credit loss provision to net charge-offs | 133.7617% | 3,729 |
| Earnings coverage of net charge-offs (x) | -2.3612% | 7,027 |
| Efficiency ratio | -82.7911% | 8,003 |
| Assets per employee ($millions) | 3.1963% | 5,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4466% | 549 |
| Loan loss allowance to noncurrent loans | 51.7974% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 5.2305% | 1,139 |
| Noncurrent loans to loans | 6.6540% | 892 |
| Net loans and leases to total assets | 66.0130% | 4,144 |
| Net loans and leases to deposits | 69.5395% | 5,667 |
| Net loans and leases to core deposits | 77.2710% | 6,319 |
| Total domestic deposits to total assets | 94.9288% | 56 |
| Equity capital to assets | 0.7964% | 7,988 |
| Core capital (leverage) ratio | 0.6280% | 7,990 |
| Tier 1 risk-based capital ratio | 0.9191% | 7,989 |
| Total risk-based capital ratio | 1.8382% | 7,989 |
| Memoranda: | ||
| Average total assets | $77,747,800 | 5,790 |
| Average earning assets | $64,161,200 | 5,994 |
| Average equity | $4,821,400 | 7,012 |
| Average total loans | $56,617,800 | 5,396 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8762% | 2,553 |
| Cost of funding earning assets | 2.7178% | 753 |
| Net interest margin | 3.1585% | 6,148 |
| Noninterest income to average assets | -6.7448% | 8,098 |
| Noninterest expense to average assets | 3.7082% | 1,801 |
| Loan and lease loss provision to assets | 1.4773% | 1,298 |
| Net operating income to assets | -9.3375% | 8,035 |
| Return on assets (ROA) | -9.3375% | 8,033 |
| Pretax return on assets | -9.3375% | 8,031 |
| Return on Equity (ROE) | -126.2692% | 8,043 |
| Retained earnings to average equity (ytd only) | -126.2692% | 8,042 |
| Net charge-offs to loans | 0.7375% | 2,521 |
| Credit loss provision to net charge-offs | 271.3846% | 1,563 |
| Earnings coverage of net charge-offs (x) | -14.4401% | 6,925 |
| Efficiency ratio | -89.3102% | 8,085 |
| Assets per employee ($millions) | 3.2236% | 5,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4393% | 1,124 |
| Loan loss allowance to noncurrent loans | 49.1297% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 3.8867% | 1,651 |
| Noncurrent loans to loans | 4.9650% | 1,343 |
| Net loans and leases to total assets | 64.2057% | 4,822 |
| Net loans and leases to deposits | 71.1652% | 5,779 |
| Net loans and leases to core deposits | 81.4381% | 6,240 |
| Total domestic deposits to total assets | 90.2206% | 692 |
| Equity capital to assets | 3.5868% | 8,018 |
| Core capital (leverage) ratio | 3.0684% | 8,025 |
| Tier 1 risk-based capital ratio | 3.9595% | 8,029 |
| Total risk-based capital ratio | 7.1973% | 7,961 |
| Memoranda: | ||
| Average total assets | $79,605,250 | 5,779 |
| Average earning assets | $65,346,500 | 5,987 |
| Average equity | $5,886,750 | 6,709 |
| Average total loans | $58,753,250 | 5,349 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8226% | 2,946 |
| Cost of funding earning assets | 2.8169% | 752 |
| Net interest margin | 3.0057% | 6,535 |
| Noninterest income to average assets | -3.1437% | 8,189 |
| Noninterest expense to average assets | 3.5818% | 2,115 |
| Loan and lease loss provision to assets | 1.1350% | 1,513 |
| Net operating income to assets | -5.3639% | 7,964 |
| Return on assets (ROA) | -5.3639% | 7,954 |
| Pretax return on assets | -5.3639% | 7,905 |
| Return on Equity (ROE) | -62.2473% | 7,986 |
| Retained earnings to average equity (ytd only) | -62.2473% | 7,982 |
| Net charge-offs to loans | 0.5997% | 2,542 |
| Credit loss provision to net charge-offs | 247.8261% | 1,879 |
| Earnings coverage of net charge-offs (x) | -9.2337% | 6,518 |
| Efficiency ratio | -553.4615% | 8,191 |
| Assets per employee ($millions) | 3.1192% | 5,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 3,035 |
| Loan loss allowance to noncurrent loans | 34.5363% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 3.7757% | 1,615 |
| Noncurrent loans to loans | 4.4291% | 1,465 |
| Net loans and leases to total assets | 75.9661% | 2,187 |
| Net loans and leases to deposits | 87.7555% | 3,204 |
| Net loans and leases to core deposits | 130.5980% | 1,514 |
| Total domestic deposits to total assets | 86.5656% | 2,475 |
| Equity capital to assets | 7.2147% | 7,472 |
| Core capital (leverage) ratio | 6.4475% | 7,820 |
| Tier 1 risk-based capital ratio | 8.0691% | 7,906 |
| Total risk-based capital ratio | 12.9150% | 5,160 |
| Memoranda: | ||
| Average total assets | $80,351,330 | 5,787 |
| Average earning assets | $66,740,000 | 5,982 |
| Average equity | $6,924,000 | 6,394 |
| Average total loans | $61,365,670 | 5,274 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7837% | 3,386 |
| Cost of funding earning assets | 3.0030% | 602 |
| Net interest margin | 2.7808% | 7,033 |
| Noninterest income to average assets | -3.6960% | 8,239 |
| Noninterest expense to average assets | 3.5810% | 1,903 |
| Loan and lease loss provision to assets | 0.4601% | 2,629 |
| Net operating income to assets | -5.4215% | 8,064 |
| Return on assets (ROA) | -5.4215% | 8,057 |
| Pretax return on assets | -5.4215% | 8,014 |
| Return on Equity (ROE) | -58.1194% | 8,080 |
| Retained earnings to average equity (ytd only) | -58.1194% | 8,064 |
| Net charge-offs to loans | 0.6780% | 1,823 |
| Credit loss provision to net charge-offs | 89.3204% | 4,025 |
| Earnings coverage of net charge-offs (x) | -9.6311% | 5,616 |
| Efficiency ratio | -259.4203% | 8,240 |
| Assets per employee ($millions) | 2.9273% | 6,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 5,401 |
| Loan loss allowance to noncurrent loans | 28.1068% | 6,679 |
| Noncurrent assets plus other real estate owned to assets | 3.4832% | 1,546 |
| Noncurrent loans to loans | 3.9464% | 1,538 |
| Net loans and leases to total assets | 76.0299% | 2,257 |
| Net loans and leases to deposits | 99.4917% | 1,478 |
| Net loans and leases to core deposits | 172.3435% | 310 |
| Total domestic deposits to total assets | 76.4183% | 6,427 |
| Equity capital to assets | 8.7580% | 5,682 |
| Core capital (leverage) ratio | 7.9261% | 6,576 |
| Tier 1 risk-based capital ratio | 10.1053% | 6,808 |
| Total risk-based capital ratio | 14.8542% | 3,719 |
| Memoranda: | ||
| Average total assets | $79,978,000 | 5,822 |
| Average earning assets | $66,600,500 | 6,018 |
| Average equity | $7,460,500 | 6,238 |
| Average total loans | $60,766,500 | 5,332 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4128% | 3,347 |
| Cost of funding earning assets | 3.3304% | 853 |
| Net interest margin | 3.0824% | 6,699 |
| Noninterest income to average assets | 3.1012% | 194 |
| Noninterest expense to average assets | 4.3236% | 1,016 |
| Loan and lease loss provision to assets | 0.8456% | 1,765 |
| Net operating income to assets | 0.5504% | 4,530 |
| Return on assets (ROA) | 0.5504% | 4,376 |
| Pretax return on assets | 0.5504% | 4,851 |
| Return on Equity (ROE) | 4.3032% | 4,681 |
| Retained earnings to average equity (ytd only) | 0.0240% | 5,224 |
| Net charge-offs to loans | 1.0810% | 1,126 |
| Credit loss provision to net charge-offs | 105.5662% | 5,076 |
| Earnings coverage of net charge-offs (x) | 1.7428% | 5,201 |
| Efficiency ratio | 75.5914% | 3,308 |
| Assets per employee ($millions) | 3.2368% | 5,373 |
| Cash dividends to net income (ytd only)* | 99.4413% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 5,086 |
| Loan loss allowance to noncurrent loans | 32.2809% | 6,573 |
| Noncurrent assets plus other real estate owned to assets | 2.6792% | 1,771 |
| Noncurrent loans to loans | 3.4920% | 1,447 |
| Net loans and leases to total assets | 74.2499% | 3,041 |
| Net loans and leases to deposits | 91.4450% | 3,225 |
| Net loans and leases to core deposits | 176.9489% | 318 |
| Total domestic deposits to total assets | 81.1962% | 4,564 |
| Equity capital to assets | 9.8851% | 4,176 |
| Core capital (leverage) ratio | 9.5543% | 3,937 |
| Tier 1 risk-based capital ratio | 11.8340% | 4,956 |
| Total risk-based capital ratio | 16.6405% | 2,818 |
| Memoranda: | ||
| Average total assets | $65,039,000 | 6,191 |
| Average earning assets | $55,249,200 | 6,359 |
| Average equity | $8,319,400 | 5,972 |
| Average total loans | $48,198,200 | 5,775 |