Home > American State Bank > Performance and Condition Ratios
American State Bank, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8493% | 186 |
| Cost of funding earning assets | 1.4781% | 2,769 |
| Net interest margin | 5.3712% | 213 |
| Noninterest income to average assets | 0.7345% | 2,626 |
| Noninterest expense to average assets | 7.8559% | 119 |
| Loan and lease loss provision to assets | 1.4959% | 991 |
| Net operating income to assets | -3.9951% | 7,438 |
| Return on assets (ROA) | -3.9951% | 7,447 |
| Pretax return on assets | -3.9951% | 7,436 |
| Return on Equity (ROE) | -47.0663% | 7,405 |
| Retained earnings to average equity (ytd only) | -47.0663% | 7,401 |
| Net charge-offs to loans | 2.8246% | 620 |
| Credit loss provision to net charge-offs | 79.1469% | 5,586 |
| Earnings coverage of net charge-offs (x) | -1.3223% | 6,654 |
| Efficiency ratio | 146.6555% | 232 |
| Assets per employee ($millions) | 1.4828% | 7,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4107% | 1,535 |
| Loan loss allowance to noncurrent loans | 87.6289% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 1.6455% | 3,832 |
| Noncurrent loans to loans | 2.7510% | 2,766 |
| Net loans and leases to total assets | 46.4122% | 6,522 |
| Net loans and leases to deposits | 52.3904% | 6,717 |
| Net loans and leases to core deposits | 52.3904% | 6,886 |
| Total domestic deposits to total assets | 88.5892% | 1,899 |
| Equity capital to assets | 11.2625% | 2,444 |
| Core capital (leverage) ratio | 6.7650% | 7,125 |
| Tier 1 risk-based capital ratio | 26.3836% | 727 |
| Total risk-based capital ratio | 27.9560% | 679 |
| Memoranda: | ||
| Average total assets | $11,163,600 | 7,613 |
| Average earning assets | $9,606,800 | 7,602 |
| Average equity | $947,600 | 7,636 |
| Average total loans | $7,470,200 | 7,485 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4292% | 386 |
| Cost of funding earning assets | 1.3348% | 4,009 |
| Net interest margin | 5.0944% | 360 |
| Noninterest income to average assets | 0.6390% | 3,198 |
| Noninterest expense to average assets | 6.6880% | 165 |
| Loan and lease loss provision to assets | 1.8400% | 676 |
| Net operating income to assets | -3.3054% | 7,490 |
| Return on assets (ROA) | -3.3054% | 7,504 |
| Pretax return on assets | -3.3054% | 7,473 |
| Return on Equity (ROE) | -40.9931% | 7,506 |
| Retained earnings to average equity (ytd only) | -40.9931% | 7,503 |
| Net charge-offs to loans | 3.2164% | 451 |
| Credit loss provision to net charge-offs | 81.8627% | 5,079 |
| Earnings coverage of net charge-offs (x) | -0.6520% | 6,374 |
| Efficiency ratio | 128.0591% | 311 |
| Assets per employee ($millions) | 3.1793% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 6,347 |
| Loan loss allowance to noncurrent loans | 84.4037% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.0537% | 5,002 |
| Noncurrent loans to loans | 1.1969% | 4,849 |
| Net loans and leases to total assets | 70.8894% | 2,518 |
| Net loans and leases to deposits | 77.0513% | 4,002 |
| Net loans and leases to core deposits | 77.0513% | 4,912 |
| Total domestic deposits to total assets | 92.0028% | 192 |
| Equity capital to assets | 7.8399% | 6,908 |
| Core capital (leverage) ratio | 7.5882% | 6,777 |
| Tier 1 risk-based capital ratio | 15.2221% | 3,140 |
| Total risk-based capital ratio | 16.6255% | 3,024 |
| Memoranda: | ||
| Average total assets | $12,101,000 | 7,708 |
| Average earning assets | $10,887,500 | 7,698 |
| Average equity | $975,750 | 7,736 |
| Average total loans | $8,456,250 | 7,549 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2856% | 527 |
| Cost of funding earning assets | 1.3390% | 4,264 |
| Net interest margin | 4.9467% | 478 |
| Noninterest income to average assets | 0.5212% | 3,948 |
| Noninterest expense to average assets | 6.7588% | 163 |
| Loan and lease loss provision to assets | 2.8077% | 371 |
| Net operating income to assets | -4.5731% | 7,672 |
| Return on assets (ROA) | -4.5731% | 7,677 |
| Pretax return on assets | -4.5731% | 7,653 |
| Return on Equity (ROE) | -56.1595% | 7,640 |
| Retained earnings to average equity (ytd only) | -56.1595% | 7,636 |
| Net charge-offs to loans | 4.9761% | 208 |
| Credit loss provision to net charge-offs | 81.4634% | 4,666 |
| Earnings coverage of net charge-offs (x) | -0.5122% | 6,018 |
| Efficiency ratio | 135.3535% | 279 |
| Assets per employee ($millions) | 2.6122% | 6,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 5,751 |
| Loan loss allowance to noncurrent loans | 83.4862% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.0260% | 5,085 |
| Noncurrent loans to loans | 1.3640% | 4,664 |
| Net loans and leases to total assets | 60.4854% | 4,969 |
| Net loans and leases to deposits | 65.7402% | 5,838 |
| Net loans and leases to core deposits | 65.7402% | 6,265 |
| Total domestic deposits to total assets | 92.0067% | 220 |
| Equity capital to assets | 7.8325% | 6,897 |
| Core capital (leverage) ratio | 8.4050% | 5,574 |
| Tier 1 risk-based capital ratio | 16.2171% | 2,585 |
| Total risk-based capital ratio | 17.6217% | 2,469 |
| Memoranda: | ||
| Average total assets | $11,895,670 | 7,777 |
| Average earning assets | $10,754,670 | 7,764 |
| Average equity | $968,670 | 7,802 |
| Average total loans | $8,239,330 | 7,619 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4683% | 382 |
| Cost of funding earning assets | 1.3638% | 4,396 |
| Net interest margin | 5.1045% | 345 |
| Noninterest income to average assets | 1.0961% | 1,047 |
| Noninterest expense to average assets | 7.2837% | 142 |
| Loan and lease loss provision to assets | 0.7779% | 1,624 |
| Net operating income to assets | -2.3336% | 7,523 |
| Return on assets (ROA) | -2.3336% | 7,530 |
| Pretax return on assets | -2.3336% | 7,483 |
| Return on Equity (ROE) | -28.0404% | 7,544 |
| Retained earnings to average equity (ytd only) | -28.0404% | 7,512 |
| Net charge-offs to loans | 4.0175% | 325 |
| Credit loss provision to net charge-offs | 26.1905% | 4,869 |
| Earnings coverage of net charge-offs (x) | -0.5238% | 5,289 |
| Efficiency ratio | 127.1605% | 365 |
| Assets per employee ($millions) | 2.2878% | 7,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8331% | 7,045 |
| Loan loss allowance to noncurrent loans | 35.4497% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 2.3516% | 3,086 |
| Noncurrent loans to loans | 2.3502% | 3,330 |
| Net loans and leases to total assets | 69.7176% | 3,006 |
| Net loans and leases to deposits | 76.4035% | 4,339 |
| Net loans and leases to core deposits | 76.4035% | 5,201 |
| Total domestic deposits to total assets | 91.2492% | 453 |
| Equity capital to assets | 8.5497% | 5,938 |
| Core capital (leverage) ratio | 8.6910% | 5,035 |
| Tier 1 risk-based capital ratio | 15.4406% | 2,897 |
| Total risk-based capital ratio | 16.5006% | 2,945 |
| Memoranda: | ||
| Average total assets | $11,313,000 | 7,882 |
| Average earning assets | $10,265,500 | 7,869 |
| Average equity | $941,500 | 7,896 |
| Average total loans | $8,363,500 | 7,710 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8620% | 342 |
| Cost of funding earning assets | 1.9007% | 3,459 |
| Net interest margin | 4.9613% | 486 |
| Noninterest income to average assets | 1.3867% | 763 |
| Noninterest expense to average assets | 8.1944% | 137 |
| Loan and lease loss provision to assets | 2.2242% | 932 |
| Net operating income to assets | -4.4574% | 7,674 |
| Return on assets (ROA) | -4.4574% | 7,674 |
| Pretax return on assets | -4.4484% | 7,629 |
| Return on Equity (ROE) | -53.4442% | 7,712 |
| Retained earnings to average equity (ytd only) | -53.4442% | 7,707 |
| Net charge-offs to loans | 2.3638% | 972 |
| Credit loss provision to net charge-offs | 124.1206% | 4,236 |
| Earnings coverage of net charge-offs (x) | -1.2412% | 6,920 |
| Efficiency ratio | 137.2549% | 407 |
| Assets per employee ($millions) | 2.2374% | 7,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 3,805 |
| Loan loss allowance to noncurrent loans | 69.3548% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.6626% | 3,877 |
| Noncurrent loans to loans | 2.1416% | 3,469 |
| Net loans and leases to total assets | 76.4816% | 1,698 |
| Net loans and leases to deposits | 83.5465% | 3,354 |
| Net loans and leases to core deposits | 134.5918% | 1,021 |
| Total domestic deposits to total assets | 91.5438% | 371 |
| Equity capital to assets | 8.0897% | 6,475 |
| Core capital (leverage) ratio | 8.0217% | 6,138 |
| Tier 1 risk-based capital ratio | 13.7473% | 3,660 |
| Total risk-based capital ratio | 15.1511% | 3,515 |
| Memoranda: | ||
| Average total assets | $11,105,200 | 7,957 |
| Average earning assets | $10,259,400 | 7,941 |
| Average equity | $926,200 | 7,985 |
| Average total loans | $8,418,800 | 7,771 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8124% | 408 |
| Cost of funding earning assets | 1.9631% | 3,551 |
| Net interest margin | 4.8493% | 624 |
| Noninterest income to average assets | 1.3231% | 882 |
| Noninterest expense to average assets | 7.7101% | 164 |
| Loan and lease loss provision to assets | 2.1290% | 820 |
| Net operating income to assets | -4.0415% | 7,756 |
| Return on assets (ROA) | -4.0415% | 7,760 |
| Pretax return on assets | -4.0295% | 7,693 |
| Return on Equity (ROE) | -48.0934% | 7,819 |
| Retained earnings to average equity (ytd only) | -48.0934% | 7,816 |
| Net charge-offs to loans | 2.2988% | 820 |
| Credit loss provision to net charge-offs | 122.9167% | 4,116 |
| Earnings coverage of net charge-offs (x) | -1.0972% | 6,645 |
| Efficiency ratio | 132.7122% | 444 |
| Assets per employee ($millions) | 1.8775% | 7,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 3,321 |
| Loan loss allowance to noncurrent loans | 36.8932% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 2.7430% | 2,533 |
| Noncurrent loans to loans | 4.1222% | 1,772 |
| Net loans and leases to total assets | 65.5304% | 4,527 |
| Net loans and leases to deposits | 72.6646% | 5,556 |
| Net loans and leases to core deposits | 115.0740% | 2,716 |
| Total domestic deposits to total assets | 90.1820% | 702 |
| Equity capital to assets | 9.5872% | 4,635 |
| Core capital (leverage) ratio | 9.4714% | 3,951 |
| Tier 1 risk-based capital ratio | 16.8389% | 2,321 |
| Total risk-based capital ratio | 18.0951% | 2,272 |
| Memoranda: | ||
| Average total assets | $11,084,750 | 8,041 |
| Average earning assets | $10,255,500 | 8,022 |
| Average equity | $931,500 | 8,068 |
| Average total loans | $8,352,250 | 7,848 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8619% | 404 |
| Cost of funding earning assets | 2.0723% | 3,408 |
| Net interest margin | 4.7897% | 663 |
| Noninterest income to average assets | 1.5239% | 640 |
| Noninterest expense to average assets | 7.4560% | 188 |
| Loan and lease loss provision to assets | 2.4672% | 638 |
| Net operating income to assets | -3.9548% | 7,824 |
| Return on assets (ROA) | -3.9548% | 7,818 |
| Pretax return on assets | -3.9548% | 7,740 |
| Return on Equity (ROE) | -49.4331% | 7,907 |
| Retained earnings to average equity (ytd only) | -49.4331% | 7,903 |
| Net charge-offs to loans | 3.3111% | 484 |
| Credit loss provision to net charge-offs | 95.1049% | 4,771 |
| Earnings coverage of net charge-offs (x) | -0.5734% | 6,113 |
| Efficiency ratio | 124.9240% | 587 |
| Assets per employee ($millions) | 1.5754% | 8,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 6,972 |
| Loan loss allowance to noncurrent loans | 23.0530% | 6,960 |
| Noncurrent assets plus other real estate owned to assets | 2.9108% | 2,192 |
| Noncurrent loans to loans | 3.6973% | 1,881 |
| Net loans and leases to total assets | 78.0559% | 1,730 |
| Net loans and leases to deposits | 85.8140% | 3,579 |
| Net loans and leases to core deposits | 119.0759% | 2,447 |
| Total domestic deposits to total assets | 90.9594% | 464 |
| Equity capital to assets | 8.5782% | 5,933 |
| Core capital (leverage) ratio | 8.2284% | 5,928 |
| Tier 1 risk-based capital ratio | 13.9780% | 3,533 |
| Total risk-based capital ratio | 15.0926% | 3,545 |
| Memoranda: | ||
| Average total assets | $11,024,670 | 8,132 |
| Average earning assets | $10,230,330 | 8,109 |
| Average equity | $882,000 | 8,166 |
| Average total loans | $8,637,670 | 7,919 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7955% | 484 |
| Cost of funding earning assets | 2.1480% | 3,418 |
| Net interest margin | 4.6475% | 870 |
| Noninterest income to average assets | 1.0523% | 1,339 |
| Noninterest expense to average assets | 7.3301% | 187 |
| Loan and lease loss provision to assets | 0.6532% | 1,932 |
| Net operating income to assets | -2.6127% | 7,791 |
| Return on assets (ROA) | -2.6127% | 7,785 |
| Pretax return on assets | -2.6127% | 7,686 |
| Return on Equity (ROE) | -33.8824% | 7,937 |
| Retained earnings to average equity (ytd only) | -33.8824% | 7,897 |
| Net charge-offs to loans | 0.0464% | 4,831 |
| Credit loss provision to net charge-offs | 1,800.0000% | 354 |
| Earnings coverage of net charge-offs (x) | -54.0000% | 5,697 |
| Efficiency ratio | 136.4865% | 444 |
| Assets per employee ($millions) | 2.2858% | 7,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 5,544 |
| Loan loss allowance to noncurrent loans | 15.0769% | 7,393 |
| Noncurrent assets plus other real estate owned to assets | 5.6873% | 733 |
| Noncurrent loans to loans | 7.2295% | 538 |
| Net loans and leases to total assets | 77.8108% | 1,865 |
| Net loans and leases to deposits | 85.4193% | 3,731 |
| Net loans and leases to core deposits | 109.5467% | 3,492 |
| Total domestic deposits to total assets | 91.0928% | 384 |
| Equity capital to assets | 8.5397% | 6,010 |
| Core capital (leverage) ratio | 8.5984% | 5,347 |
| Tier 1 risk-based capital ratio | 13.3062% | 3,990 |
| Total risk-based capital ratio | 14.6803% | 3,829 |
| Memoranda: | ||
| Average total assets | $11,023,000 | 8,181 |
| Average earning assets | $10,242,000 | 8,156 |
| Average equity | $850,000 | 8,219 |
| Average total loans | $8,615,500 | 7,972 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6028% | 2,480 |
| Cost of funding earning assets | 2.7487% | 2,933 |
| Net interest margin | 3.8541% | 3,776 |
| Noninterest income to average assets | 1.4815% | 642 |
| Noninterest expense to average assets | 8.6799% | 189 |
| Loan and lease loss provision to assets | 1.3906% | 998 |
| Net operating income to assets | -5.0716% | 8,091 |
| Return on assets (ROA) | -5.0716% | 8,082 |
| Pretax return on assets | -5.0716% | 8,033 |
| Return on Equity (ROE) | -63.8883% | 8,216 |
| Retained earnings to average equity (ytd only) | -63.8883% | 8,206 |
| Net charge-offs to loans | 3.7108% | 205 |
| Credit loss provision to net charge-offs | 55.2347% | 6,287 |
| Earnings coverage of net charge-offs (x) | -1.4621% | 6,655 |
| Efficiency ratio | 173.6364% | 273 |
| Assets per employee ($millions) | 1.7695% | 8,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 6,186 |
| Loan loss allowance to noncurrent loans | 10.8289% | 7,494 |
| Noncurrent assets plus other real estate owned to assets | 7.0453% | 370 |
| Noncurrent loans to loans | 9.0777% | 254 |
| Net loans and leases to total assets | 76.8485% | 2,416 |
| Net loans and leases to deposits | 82.8325% | 4,598 |
| Net loans and leases to core deposits | 106.5561% | 4,128 |
| Total domestic deposits to total assets | 92.7757% | 68 |
| Equity capital to assets | 6.8193% | 7,818 |
| Core capital (leverage) ratio | 6.4334% | 7,958 |
| Tier 1 risk-based capital ratio | 10.0856% | 6,635 |
| Total risk-based capital ratio | 11.2611% | 6,602 |
| Memoranda: | ||
| Average total assets | $11,002,400 | 8,232 |
| Average earning assets | $10,041,200 | 8,215 |
| Average equity | $873,400 | 8,281 |
| Average total loans | $7,464,600 | 8,057 |