Home > American Sterling Bank > Performance and Condition Ratios
American Sterling 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 | 5.2086% | 6,262 |
| Cost of funding earning assets | 3.8082% | 60 |
| Net interest margin | 1.4004% | 8,084 |
| Noninterest income to average assets | 3.0798% | 205 |
| Noninterest expense to average assets | 12.0856% | 88 |
| Loan and lease loss provision to assets | 3.0726% | 353 |
| Net operating income to assets | -7.8883% | 8,142 |
| Return on assets (ROA) | -7.5394% | 8,124 |
| Pretax return on assets | -10.6962% | 8,162 |
| Return on Equity (ROE) | 103.5170% | 10 |
| Retained earnings to average equity (ytd only) | 103.5170% | 8 |
| Net charge-offs to loans | 5.7427% | 172 |
| Credit loss provision to net charge-offs | 93.2749% | 3,938 |
| Earnings coverage of net charge-offs (x) | -2.4656% | 5,493 |
| Efficiency ratio | 303.6452% | 82 |
| Assets per employee ($millions) | 1.8703% | 7,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4429% | 7,904 |
| Loan loss allowance to noncurrent loans | 2.7113% | 7,569 |
| Noncurrent assets plus other real estate owned to assets | 13.2822% | 114 |
| Noncurrent loans to loans | 16.3366% | 77 |
| Net loans and leases to total assets | 54.1476% | 6,447 |
| Net loans and leases to deposits | 52.7254% | 7,358 |
| Net loans and leases to core deposits | 70.0043% | 7,018 |
| Total domestic deposits to total assets | 102.6974% | 2 |
| Equity capital to assets | -8.2064% | 8,247 |
| Core capital (leverage) ratio | -9.1202% | 8,247 |
| Tier 1 risk-based capital ratio | -19.7748% | 8,247 |
| Total risk-based capital ratio | -19.7748% | 8,247 |
| Memoranda: | ||
| Average total assets | $166,115,000 | 3,726 |
| Average earning assets | $104,826,500 | 4,777 |
| Average equity | $-12,098,500 | 8,245 |
| Average total loans | $95,287,000 | 4,171 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8398% | 6,296 |
| Cost of funding earning assets | 3.6950% | 273 |
| Net interest margin | 2.1448% | 7,991 |
| Noninterest income to average assets | -0.6700% | 8,281 |
| Noninterest expense to average assets | 19.1038% | 56 |
| Loan and lease loss provision to assets | 2.1296% | 542 |
| Net operating income to assets | -21.5245% | 8,301 |
| Return on assets (ROA) | -17.5797% | 8,297 |
| Pretax return on assets | -16.1730% | 8,291 |
| Return on Equity (ROE) | -500.6491% | 8,305 |
| Retained earnings to average equity (ytd only) | -500.6491% | 8,305 |
| Net charge-offs to loans | 2.2406% | 461 |
| Credit loss provision to net charge-offs | 129.1938% | 4,127 |
| Earnings coverage of net charge-offs (x) | -10.9126% | 6,904 |
| Efficiency ratio | 1,708.2884% | 9 |
| Assets per employee ($millions) | 1.1674% | 8,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4088% | 7,967 |
| Loan loss allowance to noncurrent loans | 3.4235% | 7,554 |
| Noncurrent assets plus other real estate owned to assets | 11.3468% | 117 |
| Noncurrent loans to loans | 11.9421% | 132 |
| Net loans and leases to total assets | 60.1011% | 5,897 |
| Net loans and leases to deposits | 59.9215% | 7,095 |
| Net loans and leases to core deposits | 75.8939% | 6,864 |
| Total domestic deposits to total assets | 100.2998% | 1 |
| Equity capital to assets | -6.3562% | 8,304 |
| Core capital (leverage) ratio | -6.4057% | 8,303 |
| Tier 1 risk-based capital ratio | -13.3023% | 8,303 |
| Total risk-based capital ratio | -13.3023% | 8,303 |
| Memoranda: | ||
| Average total assets | $232,530,200 | 2,735 |
| Average earning assets | $193,587,000 | 2,985 |
| Average equity | $8,165,000 | 6,018 |
| Average total loans | $171,070,400 | 2,595 |