Home > American National Bank of Fremont > Performance and Condition Ratios
American National Bank of Fremont, 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 | 5.2945% | 3,379 |
| Cost of funding earning assets | 1.4584% | 3,227 |
| Net interest margin | 3.8360% | 3,813 |
| Noninterest income to average assets | 0.8318% | 2,072 |
| Noninterest expense to average assets | 2.4170% | 5,980 |
| Loan and lease loss provision to assets | 0.0008% | 6,975 |
| Net operating income to assets | 2.0359% | 320 |
| Return on assets (ROA) | 2.0359% | 342 |
| Pretax return on assets | 2.0359% | 576 |
| Return on Equity (ROE) | 20.4717% | 287 |
| Retained earnings to average equity (ytd only) | 8.4125% | 1,272 |
| Net charge-offs to loans | -0.0245% | 7,378 |
| Credit loss provision to net charge-offs | -5.0000% | 6,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2693% | 6,767 |
| Assets per employee ($millions) | 4.0453% | 3,742 |
| Cash dividends to net income (ytd only)* | 58.9067% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5415% | 3,765 |
| Loan loss allowance to noncurrent loans | 60.4332% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.9993% | 3,471 |
| Noncurrent loans to loans | 2.5507% | 3,071 |
| Net loans and leases to total assets | 64.4660% | 4,026 |
| Net loans and leases to deposits | 87.5534% | 2,069 |
| Net loans and leases to core deposits | 105.9462% | 1,327 |
| Total domestic deposits to total assets | 73.6305% | 6,969 |
| Equity capital to assets | 10.4403% | 3,585 |
| Core capital (leverage) ratio | 9.5475% | 3,834 |
| Tier 1 risk-based capital ratio | 13.6804% | 4,062 |
| Total risk-based capital ratio | 14.9330% | 4,019 |
| Memoranda: | ||
| Average total assets | $166,540,000 | 3,646 |
| Average earning assets | $157,242,500 | 3,546 |
| Average equity | $16,562,250 | 3,713 |
| Average total loans | $108,687,500 | 3,628 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2969% | 3,488 |
| Cost of funding earning assets | 1.4644% | 3,464 |
| Net interest margin | 3.8325% | 3,750 |
| Noninterest income to average assets | 0.6704% | 2,891 |
| Noninterest expense to average assets | 2.3674% | 6,156 |
| Loan and lease loss provision to assets | 0.0012% | 6,853 |
| Net operating income to assets | 1.9176% | 384 |
| Return on assets (ROA) | 1.9176% | 424 |
| Pretax return on assets | 1.9176% | 715 |
| Return on Equity (ROE) | 19.6064% | 352 |
| Retained earnings to average equity (ytd only) | 5.5300% | 2,594 |
| Net charge-offs to loans | 0.0018% | 6,359 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 1,600.0000% | 12 |
| Efficiency ratio | 55.2322% | 6,734 |
| Assets per employee ($millions) | 4.3909% | 3,065 |
| Cash dividends to net income (ytd only)* | 71.7949% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 3,857 |
| Loan loss allowance to noncurrent loans | 122.5185% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 1.1363% | 4,860 |
| Noncurrent loans to loans | 1.2343% | 4,906 |
| Net loans and leases to total assets | 64.5604% | 4,145 |
| Net loans and leases to deposits | 85.5098% | 2,599 |
| Net loans and leases to core deposits | 105.0015% | 1,535 |
| Total domestic deposits to total assets | 75.5006% | 6,778 |
| Equity capital to assets | 9.9111% | 4,124 |
| Core capital (leverage) ratio | 9.3546% | 4,034 |
| Tier 1 risk-based capital ratio | 13.1125% | 4,354 |
| Total risk-based capital ratio | 14.3643% | 4,306 |
| Memoranda: | ||
| Average total assets | $166,767,330 | 3,656 |
| Average earning assets | $157,337,670 | 3,566 |
| Average equity | $16,311,000 | 3,750 |
| Average total loans | $108,718,000 | 3,665 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2429% | 3,815 |
| Cost of funding earning assets | 1.4526% | 3,856 |
| Net interest margin | 3.7904% | 3,835 |
| Noninterest income to average assets | 0.6718% | 2,799 |
| Noninterest expense to average assets | 2.3776% | 6,171 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8690% | 430 |
| Return on assets (ROA) | 1.8690% | 471 |
| Pretax return on assets | 1.8690% | 778 |
| Return on Equity (ROE) | 19.2369% | 422 |
| Retained earnings to average equity (ytd only) | 10.8902% | 946 |
| Net charge-offs to loans | -0.0037% | 6,791 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9887% | 6,766 |
| Assets per employee ($millions) | 4.5390% | 2,887 |
| Cash dividends to net income (ytd only)* | 43.3890% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 3,727 |
| Loan loss allowance to noncurrent loans | 104.7498% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 1.0662% | 5,011 |
| Noncurrent loans to loans | 1.4648% | 4,547 |
| Net loans and leases to total assets | 61.5394% | 4,850 |
| Net loans and leases to deposits | 80.4092% | 3,572 |
| Net loans and leases to core deposits | 97.9170% | 2,350 |
| Total domestic deposits to total assets | 76.5328% | 6,655 |
| Equity capital to assets | 9.5383% | 4,469 |
| Core capital (leverage) ratio | 9.6706% | 3,561 |
| Tier 1 risk-based capital ratio | 13.1052% | 4,258 |
| Total risk-based capital ratio | 14.3630% | 4,222 |
| Memoranda: | ||
| Average total assets | $166,724,500 | 3,718 |
| Average earning assets | $157,240,500 | 3,623 |
| Average equity | $16,198,000 | 3,798 |
| Average total loans | $108,389,500 | 3,723 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6976% | 3,112 |
| Cost of funding earning assets | 1.9695% | 3,104 |
| Net interest margin | 3.7281% | 4,012 |
| Noninterest income to average assets | 0.8088% | 2,363 |
| Noninterest expense to average assets | 2.7838% | 5,035 |
| Loan and lease loss provision to assets | 0.1950% | 5,786 |
| Net operating income to assets | 1.3555% | 929 |
| Return on assets (ROA) | 1.4053% | 902 |
| Pretax return on assets | 1.4053% | 1,423 |
| Return on Equity (ROE) | 14.8355% | 691 |
| Retained earnings to average equity (ytd only) | 11.2583% | 270 |
| Net charge-offs to loans | 0.0119% | 7,061 |
| Credit loss provision to net charge-offs | 2,346.1538% | 140 |
| Earnings coverage of net charge-offs (x) | 186.5385% | 147 |
| Efficiency ratio | 64.2278% | 5,734 |
| Assets per employee ($millions) | 3.9260% | 3,963 |
| Cash dividends to net income (ytd only)* | 24.1128% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 3,639 |
| Loan loss allowance to noncurrent loans | 103.1835% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 1.1568% | 4,779 |
| Noncurrent loans to loans | 1.4700% | 4,459 |
| Net loans and leases to total assets | 66.6768% | 3,994 |
| Net loans and leases to deposits | 89.7315% | 2,253 |
| Net loans and leases to core deposits | 113.6782% | 2,533 |
| Total domestic deposits to total assets | 74.3070% | 6,973 |
| Equity capital to assets | 9.9052% | 3,891 |
| Core capital (leverage) ratio | 9.4014% | 3,828 |
| Tier 1 risk-based capital ratio | 13.0544% | 4,105 |
| Total risk-based capital ratio | 14.3068% | 4,051 |
| Memoranda: | ||
| Average total assets | $156,405,600 | 3,848 |
| Average earning assets | $147,903,600 | 3,747 |
| Average equity | $14,815,800 | 4,093 |
| Average total loans | $109,403,200 | 3,712 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7844% | 2,959 |
| Cost of funding earning assets | 2.0642% | 3,056 |
| Net interest margin | 3.7202% | 3,988 |
| Noninterest income to average assets | 0.7660% | 2,617 |
| Noninterest expense to average assets | 2.8587% | 4,624 |
| Loan and lease loss provision to assets | 0.2233% | 5,186 |
| Net operating income to assets | 1.2065% | 1,453 |
| Return on assets (ROA) | 1.2735% | 1,351 |
| Pretax return on assets | 1.2735% | 2,034 |
| Return on Equity (ROE) | 13.6047% | 998 |
| Retained earnings to average equity (ytd only) | 8.7426% | 910 |
| Net charge-offs to loans | 0.0645% | 6,050 |
| Credit loss provision to net charge-offs | 490.5660% | 806 |
| Earnings coverage of net charge-offs (x) | 31.4172% | 899 |
| Efficiency ratio | 66.6600% | 5,256 |
| Assets per employee ($millions) | 3.9009% | 3,938 |
| Cash dividends to net income (ytd only)* | 35.7385% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 3,503 |
| Loan loss allowance to noncurrent loans | 94.4010% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 1.2311% | 4,601 |
| Noncurrent loans to loans | 1.5771% | 4,276 |
| Net loans and leases to total assets | 66.4906% | 4,309 |
| Net loans and leases to deposits | 89.5810% | 2,658 |
| Net loans and leases to core deposits | 117.2157% | 2,506 |
| Total domestic deposits to total assets | 74.2241% | 6,909 |
| Equity capital to assets | 9.7958% | 4,357 |
| Core capital (leverage) ratio | 8.9969% | 4,654 |
| Tier 1 risk-based capital ratio | 12.6547% | 4,432 |
| Total risk-based capital ratio | 13.9064% | 4,379 |
| Memoranda: | ||
| Average total assets | $155,265,500 | 3,891 |
| Average earning assets | $147,013,250 | 3,775 |
| Average equity | $14,533,750 | 4,179 |
| Average total loans | $109,509,000 | 3,740 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8233% | 2,941 |
| Cost of funding earning assets | 2.1163% | 3,197 |
| Net interest margin | 3.7069% | 3,921 |
| Noninterest income to average assets | 0.6825% | 3,098 |
| Noninterest expense to average assets | 2.7160% | 5,322 |
| Loan and lease loss provision to assets | 0.1161% | 5,981 |
| Net operating income to assets | 1.3535% | 1,118 |
| Return on assets (ROA) | 1.4541% | 986 |
| Pretax return on assets | 1.4541% | 1,579 |
| Return on Equity (ROE) | 15.7806% | 724 |
| Retained earnings to average equity (ytd only) | 13.3302% | 294 |
| Net charge-offs to loans | 0.0956% | 5,219 |
| Credit loss provision to net charge-offs | 169.8113% | 2,713 |
| Earnings coverage of net charge-offs (x) | 21.4906% | 1,264 |
| Efficiency ratio | 64.8890% | 5,742 |
| Assets per employee ($millions) | 3.9564% | 3,761 |
| Cash dividends to net income (ytd only)* | 15.5280% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 4,486 |
| Loan loss allowance to noncurrent loans | 92.8239% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.3775% | 4,204 |
| Noncurrent loans to loans | 1.3654% | 4,483 |
| Net loans and leases to total assets | 68.7654% | 4,006 |
| Net loans and leases to deposits | 88.5895% | 3,072 |
| Net loans and leases to core deposits | 112.1524% | 3,117 |
| Total domestic deposits to total assets | 77.6225% | 6,172 |
| Equity capital to assets | 9.2369% | 4,954 |
| Core capital (leverage) ratio | 9.1038% | 4,456 |
| Tier 1 risk-based capital ratio | 12.2656% | 4,709 |
| Total risk-based capital ratio | 13.4764% | 4,649 |
| Memoranda: | ||
| Average total assets | $155,008,330 | 3,925 |
| Average earning assets | $146,481,670 | 3,806 |
| Average equity | $14,283,330 | 4,247 |
| Average total loans | $110,906,000 | 3,745 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8197% | 3,201 |
| Cost of funding earning assets | 2.1496% | 3,413 |
| Net interest margin | 3.6701% | 4,017 |
| Noninterest income to average assets | 0.5998% | 3,551 |
| Noninterest expense to average assets | 2.5896% | 5,501 |
| Loan and lease loss provision to assets | 0.1174% | 5,467 |
| Net operating income to assets | 1.3613% | 1,231 |
| Return on assets (ROA) | 1.4030% | 1,220 |
| Pretax return on assets | 1.4030% | 1,956 |
| Return on Equity (ROE) | 15.2451% | 932 |
| Retained earnings to average equity (ytd only) | 15.2451% | 389 |
| Net charge-offs to loans | 0.1762% | 3,581 |
| Credit loss provision to net charge-offs | 91.8367% | 3,967 |
| Earnings coverage of net charge-offs (x) | 11.5714% | 1,868 |
| Efficiency ratio | 63.6538% | 5,753 |
| Assets per employee ($millions) | 3.9134% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 4,572 |
| Loan loss allowance to noncurrent loans | 76.4241% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.6980% | 3,378 |
| Noncurrent loans to loans | 1.6121% | 3,859 |
| Net loans and leases to total assets | 69.3925% | 3,822 |
| Net loans and leases to deposits | 87.7267% | 3,334 |
| Net loans and leases to core deposits | 111.2004% | 3,291 |
| Total domestic deposits to total assets | 79.1008% | 5,681 |
| Equity capital to assets | 9.2227% | 5,059 |
| Core capital (leverage) ratio | 9.1699% | 4,450 |
| Tier 1 risk-based capital ratio | 11.9105% | 5,034 |
| Total risk-based capital ratio | 13.0861% | 4,998 |
| Memoranda: | ||
| Average total assets | $153,384,000 | 3,952 |
| Average earning assets | $144,955,000 | 3,857 |
| Average equity | $14,116,000 | 4,309 |
| Average total loans | $111,247,500 | 3,759 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2772% | 4,084 |
| Cost of funding earning assets | 2.9470% | 2,070 |
| Net interest margin | 3.3302% | 5,929 |
| Noninterest income to average assets | 0.4733% | 4,851 |
| Noninterest expense to average assets | 2.6015% | 5,646 |
| Loan and lease loss provision to assets | 0.2291% | 4,600 |
| Net operating income to assets | 0.7548% | 3,643 |
| Return on assets (ROA) | 0.7764% | 3,381 |
| Pretax return on assets | 0.7764% | 4,152 |
| Return on Equity (ROE) | 8.8493% | 2,694 |
| Retained earnings to average equity (ytd only) | 2.6563% | 3,528 |
| Net charge-offs to loans | 0.2365% | 3,883 |
| Credit loss provision to net charge-offs | 133.0798% | 4,002 |
| Earnings coverage of net charge-offs (x) | 5.7148% | 3,555 |
| Efficiency ratio | 72.5580% | 3,836 |
| Assets per employee ($millions) | 3.6642% | 4,256 |
| Cash dividends to net income (ytd only)* | 69.9831% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 4,473 |
| Loan loss allowance to noncurrent loans | 70.1963% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.8778% | 2,621 |
| Noncurrent loans to loans | 1.7207% | 3,187 |
| Net loans and leases to total assets | 73.9901% | 3,103 |
| Net loans and leases to deposits | 94.6645% | 2,669 |
| Net loans and leases to core deposits | 116.9202% | 3,011 |
| Total domestic deposits to total assets | 78.1603% | 5,658 |
| Equity capital to assets | 9.1825% | 5,107 |
| Core capital (leverage) ratio | 8.8483% | 4,973 |
| Tier 1 risk-based capital ratio | 11.4422% | 5,296 |
| Total risk-based capital ratio | 12.6204% | 5,262 |
| Memoranda: | ||
| Average total assets | $152,755,200 | 3,852 |
| Average earning assets | $142,753,800 | 3,789 |
| Average equity | $13,402,200 | 4,475 |
| Average total loans | $111,184,400 | 3,653 |