Home > American Southern Bank > Performance and Condition Ratios
American Southern Bank, Performance and Condition Ratios
| 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 | 4.0474% | 7,970 |
| Cost of funding earning assets | 4.1418% | 19 |
| Net interest margin | -0.0944% | 8,238 |
| Noninterest income to average assets | 0.0593% | 7,776 |
| Noninterest expense to average assets | 2.9849% | 3,837 |
| Loan and lease loss provision to assets | 0.1000% | 5,687 |
| Net operating income to assets | -3.1071% | 7,862 |
| Return on assets (ROA) | -3.1071% | 7,863 |
| Pretax return on assets | -3.1071% | 7,778 |
| Return on Equity (ROE) | -92.9254% | 8,144 |
| Retained earnings to average equity (ytd only) | -92.9254% | 8,138 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -13,433.3333% | 8,247 |
| Assets per employee ($millions) | 8.1500% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1068% | 443 |
| Loan loss allowance to noncurrent loans | 18.3622% | 7,244 |
| Noncurrent assets plus other real estate owned to assets | 15.7754% | 66 |
| Noncurrent loans to loans | 16.9193% | 68 |
| Net loans and leases to total assets | 57.4894% | 6,028 |
| Net loans and leases to deposits | 57.4948% | 7,067 |
| Net loans and leases to core deposits | 68.7689% | 7,097 |
| Total domestic deposits to total assets | 99.9906% | 7 |
| Equity capital to assets | -0.2898% | 8,237 |
| Core capital (leverage) ratio | -0.3683% | 8,238 |
| Tier 1 risk-based capital ratio | -0.4675% | 8,238 |
| Total risk-based capital ratio | -0.4675% | 8,238 |
| Memoranda: | ||
| Average total assets | $108,010,000 | 4,953 |
| Average earning assets | $93,195,500 | 5,112 |
| Average equity | $3,611,500 | 7,587 |
| Average total loans | $63,783,000 | 5,217 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0296% | 7,816 |
| Cost of funding earning assets | 3.9181% | 133 |
| Net interest margin | 1.1115% | 8,224 |
| Noninterest income to average assets | -0.0341% | 8,178 |
| Noninterest expense to average assets | 3.6090% | 2,122 |
| Loan and lease loss provision to assets | 1.4951% | 905 |
| Net operating income to assets | -4.1302% | 8,002 |
| Return on assets (ROA) | -4.1302% | 7,990 |
| Pretax return on assets | -4.1302% | 7,915 |
| Return on Equity (ROE) | -38.2154% | 8,060 |
| Retained earnings to average equity (ytd only) | -38.2154% | 8,024 |
| Net charge-offs to loans | 3.3384% | 244 |
| Credit loss provision to net charge-offs | 63.9658% | 6,178 |
| Earnings coverage of net charge-offs (x) | -1.1273% | 6,613 |
| Efficiency ratio | 370.5314% | 73 |
| Assets per employee ($millions) | 7.8621% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 4,030 |
| Loan loss allowance to noncurrent loans | 10.2690% | 7,502 |
| Noncurrent assets plus other real estate owned to assets | 12.7501% | 90 |
| Noncurrent loans to loans | 12.2962% | 120 |
| Net loans and leases to total assets | 58.0412% | 6,194 |
| Net loans and leases to deposits | 62.5573% | 6,907 |
| Net loans and leases to core deposits | 74.0252% | 6,965 |
| Total domestic deposits to total assets | 92.7810% | 67 |
| Equity capital to assets | 6.8411% | 7,808 |
| Core capital (leverage) ratio | 7.4004% | 7,304 |
| Tier 1 risk-based capital ratio | 8.3766% | 8,016 |
| Total risk-based capital ratio | 9.3307% | 8,109 |
| Memoranda: | ||
| Average total assets | $85,008,600 | 5,521 |
| Average earning assets | $77,103,400 | 5,542 |
| Average equity | $9,187,400 | 5,679 |
| Average total loans | $59,518,800 | 5,286 |