Home > American National Bank > Performance and Condition Ratios
American National Bank, Performance and Condition Ratios
| 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 | 5.6683% | 1,820 |
| Cost of funding earning assets | 1.8270% | 1,317 |
| Net interest margin | 3.8413% | 3,793 |
| Noninterest income to average assets | 0.4285% | 4,733 |
| Noninterest expense to average assets | 2.0446% | 6,972 |
| Loan and lease loss provision to assets | 1.2026% | 1,189 |
| Net operating income to assets | -0.3119% | 6,439 |
| Return on assets (ROA) | -0.3119% | 6,485 |
| Pretax return on assets | 0.7763% | 3,987 |
| Return on Equity (ROE) | -3.1639% | 6,509 |
| Retained earnings to average equity (ytd only) | -3.5491% | 6,413 |
| Net charge-offs to loans | 1.8227% | 1,054 |
| Credit loss provision to net charge-offs | 79.0093% | 5,167 |
| Earnings coverage of net charge-offs (x) | 1.3001% | 4,777 |
| Efficiency ratio | 50.6135% | 7,106 |
| Assets per employee ($millions) | 5.3494% | 1,766 |
| Cash dividends to net income (ytd only)* | -12.1737% | 7,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0127% | 2,184 |
| Loan loss allowance to noncurrent loans | 39.1160% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 4.3939% | 1,548 |
| Noncurrent loans to loans | 5.1455% | 1,331 |
| Net loans and leases to total assets | 81.8854% | 509 |
| Net loans and leases to deposits | 106.1053% | 362 |
| Net loans and leases to core deposits | 111.0544% | 979 |
| Total domestic deposits to total assets | 77.1737% | 6,446 |
| Equity capital to assets | 10.4569% | 3,565 |
| Core capital (leverage) ratio | 9.9093% | 3,345 |
| Tier 1 risk-based capital ratio | 12.4865% | 4,995 |
| Total risk-based capital ratio | 13.7464% | 4,964 |
| Memoranda: | ||
| Average total assets | $245,785,000 | 2,623 |
| Average earning assets | $230,020,500 | 2,565 |
| Average equity | $24,231,000 | 2,681 |
| Average total loans | $205,258,250 | 2,139 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6872% | 1,816 |
| Cost of funding earning assets | 1.8864% | 1,282 |
| Net interest margin | 3.8008% | 3,889 |
| Noninterest income to average assets | 0.4311% | 4,672 |
| Noninterest expense to average assets | 2.0315% | 7,049 |
| Loan and lease loss provision to assets | 0.9596% | 1,528 |
| Net operating income to assets | 0.6803% | 3,480 |
| Return on assets (ROA) | 0.6803% | 3,630 |
| Pretax return on assets | 0.9960% | 3,133 |
| Return on Equity (ROE) | 7.0271% | 3,286 |
| Retained earnings to average equity (ytd only) | 6.4551% | 2,097 |
| Net charge-offs to loans | 1.2980% | 1,468 |
| Credit loss provision to net charge-offs | 88.5401% | 4,462 |
| Earnings coverage of net charge-offs (x) | 1.8044% | 4,166 |
| Efficiency ratio | 50.8333% | 7,167 |
| Assets per employee ($millions) | 5.6449% | 1,497 |
| Cash dividends to net income (ytd only)* | 8.1395% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1749% | 1,814 |
| Loan loss allowance to noncurrent loans | 40.5997% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 4.4077% | 1,509 |
| Noncurrent loans to loans | 5.3570% | 1,245 |
| Net loans and leases to total assets | 78.0305% | 1,109 |
| Net loans and leases to deposits | 101.1314% | 644 |
| Net loans and leases to core deposits | 107.3658% | 1,350 |
| Total domestic deposits to total assets | 77.1575% | 6,458 |
| Equity capital to assets | 10.2751% | 3,680 |
| Core capital (leverage) ratio | 9.8741% | 3,305 |
| Tier 1 risk-based capital ratio | 12.8833% | 4,539 |
| Total risk-based capital ratio | 14.0119% | 4,604 |
| Memoranda: | ||
| Average total assets | $252,821,670 | 2,579 |
| Average earning assets | $236,532,000 | 2,526 |
| Average equity | $24,476,670 | 2,642 |
| Average total loans | $211,092,670 | 2,110 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6773% | 1,864 |
| Cost of funding earning assets | 1.9372% | 1,296 |
| Net interest margin | 3.7401% | 4,053 |
| Noninterest income to average assets | 0.3552% | 5,296 |
| Noninterest expense to average assets | 1.9669% | 7,219 |
| Loan and lease loss provision to assets | 1.0765% | 1,147 |
| Net operating income to assets | 0.5228% | 4,272 |
| Return on assets (ROA) | 0.5228% | 4,412 |
| Pretax return on assets | 0.8097% | 3,824 |
| Return on Equity (ROE) | 5.5600% | 4,081 |
| Retained earnings to average equity (ytd only) | 4.4051% | 3,509 |
| Net charge-offs to loans | 0.6987% | 2,099 |
| Credit loss provision to net charge-offs | 180.7292% | 2,027 |
| Earnings coverage of net charge-offs (x) | 3.1667% | 2,997 |
| Efficiency ratio | 50.8052% | 7,258 |
| Assets per employee ($millions) | 5.9202% | 1,319 |
| Cash dividends to net income (ytd only)* | 20.7715% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2193% | 1,712 |
| Loan loss allowance to noncurrent loans | 35.6718% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 5.2528% | 1,201 |
| Noncurrent loans to loans | 6.2214% | 1,037 |
| Net loans and leases to total assets | 80.9647% | 720 |
| Net loans and leases to deposits | 106.7159% | 394 |
| Net loans and leases to core deposits | 118.2087% | 857 |
| Total domestic deposits to total assets | 75.8694% | 6,783 |
| Equity capital to assets | 9.5762% | 4,412 |
| Core capital (leverage) ratio | 9.5178% | 3,741 |
| Tier 1 risk-based capital ratio | 11.5565% | 5,620 |
| Total risk-based capital ratio | 12.7047% | 5,696 |
| Memoranda: | ||
| Average total assets | $257,866,500 | 2,576 |
| Average earning assets | $241,170,500 | 2,526 |
| Average equity | $24,244,500 | 2,696 |
| Average total loans | $219,831,000 | 2,081 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1051% | 1,502 |
| Cost of funding earning assets | 2.3390% | 1,495 |
| Net interest margin | 3.7661% | 3,848 |
| Noninterest income to average assets | 0.5542% | 3,987 |
| Noninterest expense to average assets | 1.8145% | 7,590 |
| Loan and lease loss provision to assets | 1.7762% | 1,277 |
| Net operating income to assets | 0.3307% | 4,412 |
| Return on assets (ROA) | 0.3307% | 4,502 |
| Pretax return on assets | 0.5069% | 4,163 |
| Return on Equity (ROE) | 3.9304% | 4,120 |
| Retained earnings to average equity (ytd only) | 1.7900% | 3,842 |
| Net charge-offs to loans | 1.9491% | 1,270 |
| Credit loss provision to net charge-offs | 104.1450% | 5,308 |
| Earnings coverage of net charge-offs (x) | 1.3387% | 4,794 |
| Efficiency ratio | 44.0312% | 7,775 |
| Assets per employee ($millions) | 5.4409% | 1,701 |
| Cash dividends to net income (ytd only)* | 54.4576% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9085% | 2,240 |
| Loan loss allowance to noncurrent loans | 45.6331% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 3.7831% | 1,761 |
| Noncurrent loans to loans | 4.1822% | 1,744 |
| Net loans and leases to total assets | 85.9632% | 282 |
| Net loans and leases to deposits | 115.0193% | 248 |
| Net loans and leases to core deposits | 153.0879% | 440 |
| Total domestic deposits to total assets | 74.7381% | 6,908 |
| Equity capital to assets | 9.2321% | 4,800 |
| Core capital (leverage) ratio | 8.8815% | 4,617 |
| Tier 1 risk-based capital ratio | 10.3530% | 6,538 |
| Total risk-based capital ratio | 11.5344% | 6,575 |
| Memoranda: | ||
| Average total assets | $281,504,400 | 2,335 |
| Average earning assets | $264,861,000 | 2,284 |
| Average equity | $23,687,000 | 2,770 |
| Average total loans | $246,322,000 | 1,915 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0904% | 1,682 |
| Cost of funding earning assets | 2.4066% | 1,614 |
| Net interest margin | 3.6839% | 4,143 |
| Noninterest income to average assets | 0.6169% | 3,569 |
| Noninterest expense to average assets | 1.7749% | 7,687 |
| Loan and lease loss provision to assets | 1.9395% | 943 |
| Net operating income to assets | 0.2489% | 4,995 |
| Return on assets (ROA) | 0.2489% | 5,077 |
| Pretax return on assets | 0.3764% | 4,863 |
| Return on Equity (ROE) | 3.0250% | 4,785 |
| Retained earnings to average equity (ytd only) | 0.1583% | 5,135 |
| Net charge-offs to loans | 2.2626% | 839 |
| Credit loss provision to net charge-offs | 98.0019% | 5,216 |
| Earnings coverage of net charge-offs (x) | 1.1702% | 4,892 |
| Efficiency ratio | 43.1366% | 7,859 |
| Assets per employee ($millions) | 5.8458% | 1,325 |
| Cash dividends to net income (ytd only)* | 94.7653% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7284% | 2,526 |
| Loan loss allowance to noncurrent loans | 72.3729% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 2.1944% | 3,103 |
| Noncurrent loans to loans | 2.3882% | 3,159 |
| Net loans and leases to total assets | 84.5140% | 484 |
| Net loans and leases to deposits | 111.6506% | 406 |
| Net loans and leases to core deposits | 157.7938% | 419 |
| Total domestic deposits to total assets | 75.6951% | 6,641 |
| Equity capital to assets | 8.6315% | 6,067 |
| Core capital (leverage) ratio | 8.4874% | 5,522 |
| Tier 1 risk-based capital ratio | 9.9119% | 7,050 |
| Total risk-based capital ratio | 11.1680% | 7,005 |
| Memoranda: | ||
| Average total assets | $286,589,500 | 2,314 |
| Average earning assets | $270,253,000 | 2,256 |
| Average equity | $23,581,000 | 2,799 |
| Average total loans | $250,684,250 | 1,911 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0856% | 1,834 |
| Cost of funding earning assets | 2.5001% | 1,610 |
| Net interest margin | 3.5855% | 4,428 |
| Noninterest income to average assets | 0.5913% | 3,766 |
| Noninterest expense to average assets | 1.8924% | 7,634 |
| Loan and lease loss provision to assets | 2.0197% | 804 |
| Net operating income to assets | 0.0516% | 5,702 |
| Return on assets (ROA) | 0.0516% | 5,794 |
| Pretax return on assets | 0.0654% | 5,752 |
| Return on Equity (ROE) | 0.6373% | 5,744 |
| Retained earnings to average equity (ytd only) | -3.5435% | 6,048 |
| Net charge-offs to loans | 2.6835% | 628 |
| Credit loss provision to net charge-offs | 85.5893% | 5,049 |
| Earnings coverage of net charge-offs (x) | 0.8836% | 4,868 |
| Efficiency ratio | 47.3347% | 7,794 |
| Assets per employee ($millions) | 6.0900% | 1,168 |
| Cash dividends to net income (ytd only)* | 656.0000% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 3,103 |
| Loan loss allowance to noncurrent loans | 50.3149% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 2.7265% | 2,357 |
| Noncurrent loans to loans | 3.0122% | 2,394 |
| Net loans and leases to total assets | 85.2449% | 469 |
| Net loans and leases to deposits | 112.5249% | 460 |
| Net loans and leases to core deposits | 156.5202% | 507 |
| Total domestic deposits to total assets | 75.7565% | 6,603 |
| Equity capital to assets | 8.3065% | 6,320 |
| Core capital (leverage) ratio | 7.9596% | 6,404 |
| Tier 1 risk-based capital ratio | 9.5907% | 7,319 |
| Total risk-based capital ratio | 10.8442% | 7,269 |
| Memoranda: | ||
| Average total assets | $290,535,670 | 2,314 |
| Average earning assets | $274,386,330 | 2,254 |
| Average equity | $23,536,330 | 2,806 |
| Average total loans | $255,483,330 | 1,914 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0866% | 1,993 |
| Cost of funding earning assets | 2.6087% | 1,538 |
| Net interest margin | 3.4778% | 4,814 |
| Noninterest income to average assets | 0.4815% | 4,493 |
| Noninterest expense to average assets | 1.7759% | 7,726 |
| Loan and lease loss provision to assets | 1.9166% | 634 |
| Net operating income to assets | 0.0541% | 6,114 |
| Return on assets (ROA) | 0.0541% | 6,268 |
| Pretax return on assets | 0.0744% | 6,223 |
| Return on Equity (ROE) | 0.6760% | 6,231 |
| Retained earnings to average equity (ytd only) | -0.5915% | 5,784 |
| Net charge-offs to loans | 3.6155% | 337 |
| Credit loss provision to net charge-offs | 59.8395% | 4,521 |
| Earnings coverage of net charge-offs (x) | 0.6216% | 4,495 |
| Efficiency ratio | 46.8941% | 7,796 |
| Assets per employee ($millions) | 6.5704% | 934 |
| Cash dividends to net income (ytd only)* | 187.5000% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 4,393 |
| Loan loss allowance to noncurrent loans | 43.2294% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 2.6347% | 2,180 |
| Noncurrent loans to loans | 2.9001% | 2,254 |
| Net loans and leases to total assets | 85.7248% | 484 |
| Net loans and leases to deposits | 111.4130% | 549 |
| Net loans and leases to core deposits | 165.6790% | 414 |
| Total domestic deposits to total assets | 76.9432% | 6,288 |
| Equity capital to assets | 7.9996% | 6,812 |
| Core capital (leverage) ratio | 7.9452% | 6,550 |
| Tier 1 risk-based capital ratio | 9.2034% | 7,674 |
| Total risk-based capital ratio | 10.4528% | 7,657 |
| Memoranda: | ||
| Average total assets | $295,733,000 | 2,300 |
| Average earning assets | $279,369,500 | 2,241 |
| Average equity | $23,669,500 | 2,803 |
| Average total loans | $261,984,500 | 1,891 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2808% | 619 |
| Cost of funding earning assets | 3.4302% | 651 |
| Net interest margin | 3.8507% | 3,793 |
| Noninterest income to average assets | 0.5939% | 3,879 |
| Noninterest expense to average assets | 1.5157% | 8,028 |
| Loan and lease loss provision to assets | 1.0753% | 1,351 |
| Net operating income to assets | 0.9793% | 2,639 |
| Return on assets (ROA) | 0.9793% | 2,523 |
| Pretax return on assets | 1.5419% | 1,557 |
| Return on Equity (ROE) | 11.9465% | 1,610 |
| Retained earnings to average equity (ytd only) | 8.1835% | 786 |
| Net charge-offs to loans | 0.4560% | 2,554 |
| Credit loss provision to net charge-offs | 258.3475% | 1,792 |
| Earnings coverage of net charge-offs (x) | 6.2879% | 3,395 |
| Efficiency ratio | 36.4245% | 8,185 |
| Assets per employee ($millions) | 6.7227% | 798 |
| Cash dividends to net income (ytd only)* | 31.4989% | 4,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 2,402 |
| Loan loss allowance to noncurrent loans | 152.4314% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 1.0051% | 4,311 |
| Noncurrent loans to loans | 1.0232% | 4,540 |
| Net loans and leases to total assets | 88.9530% | 287 |
| Net loans and leases to deposits | 115.3765% | 553 |
| Net loans and leases to core deposits | 159.8832% | 576 |
| Total domestic deposits to total assets | 77.0980% | 5,966 |
| Equity capital to assets | 8.0078% | 6,836 |
| Core capital (leverage) ratio | 7.8484% | 6,727 |
| Tier 1 risk-based capital ratio | 8.8861% | 7,857 |
| Total risk-based capital ratio | 10.1404% | 7,882 |
| Memoranda: | ||
| Average total assets | $282,049,200 | 2,304 |
| Average earning assets | $259,228,000 | 2,297 |
| Average equity | $23,119,800 | 2,837 |
| Average total loans | $257,481,000 | 1,857 |