Home > American Trust Bank > Performance and Condition Ratios
American Trust 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 | 3.6447% | 7,328 |
| Cost of funding earning assets | 2.2832% | 225 |
| Net interest margin | 1.3616% | 7,560 |
| Noninterest income to average assets | -0.4492% | 7,555 |
| Noninterest expense to average assets | 2.7149% | 4,925 |
| Loan and lease loss provision to assets | 1.6961% | 833 |
| Net operating income to assets | -3.6473% | 7,389 |
| Return on assets (ROA) | -3.4201% | 7,374 |
| Pretax return on assets | -3.4201% | 7,352 |
| Return on Equity (ROE) | -136.5161% | 7,629 |
| Retained earnings to average equity (ytd only) | -136.5161% | 7,629 |
| Net charge-offs to loans | 3.2446% | 479 |
| Credit loss provision to net charge-offs | 77.4194% | 5,652 |
| Earnings coverage of net charge-offs (x) | -0.8907% | 6,578 |
| Efficiency ratio | 355.5278% | 20 |
| Assets per employee ($millions) | 8.2140% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9400% | 2,445 |
| Loan loss allowance to noncurrent loans | 8.4181% | 7,102 |
| Noncurrent assets plus other real estate owned to assets | 23.8198% | 40 |
| Noncurrent loans to loans | 23.0455% | 54 |
| Net loans and leases to total assets | 65.1661% | 3,633 |
| Net loans and leases to deposits | 69.8723% | 4,829 |
| Net loans and leases to core deposits | 74.8521% | 4,867 |
| Total domestic deposits to total assets | 93.2646% | 127 |
| Equity capital to assets | 0.6398% | 7,639 |
| Core capital (leverage) ratio | 0.7104% | 7,638 |
| Tier 1 risk-based capital ratio | 0.8984% | 7,640 |
| Total risk-based capital ratio | 1.7968% | 7,640 |
| Memoranda: | ||
| Average total assets | $261,779,200 | 2,439 |
| Average earning assets | $233,186,200 | 2,501 |
| Average equity | $6,558,200 | 6,182 |
| Average total loans | $176,757,200 | 2,392 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6714% | 7,465 |
| Cost of funding earning assets | 2.3654% | 214 |
| Net interest margin | 1.3059% | 7,684 |
| Noninterest income to average assets | 0.1599% | 6,719 |
| Noninterest expense to average assets | 2.5408% | 5,560 |
| Loan and lease loss provision to assets | 1.4923% | 895 |
| Net operating income to assets | -2.7067% | 7,393 |
| Return on assets (ROA) | -2.4103% | 7,344 |
| Pretax return on assets | -2.4103% | 7,301 |
| Return on Equity (ROE) | -82.5387% | 7,663 |
| Retained earnings to average equity (ytd only) | -82.5387% | 7,663 |
| Net charge-offs to loans | 2.1164% | 875 |
| Credit loss provision to net charge-offs | 104.0639% | 4,123 |
| Earnings coverage of net charge-offs (x) | -0.8468% | 6,424 |
| Efficiency ratio | 191.5509% | 97 |
| Assets per employee ($millions) | 8.5960% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6027% | 1,206 |
| Loan loss allowance to noncurrent loans | 10.9036% | 7,168 |
| Noncurrent assets plus other real estate owned to assets | 23.5915% | 30 |
| Noncurrent loans to loans | 23.8706% | 37 |
| Net loans and leases to total assets | 67.2957% | 3,380 |
| Net loans and leases to deposits | 73.3336% | 4,632 |
| Net loans and leases to core deposits | 79.2152% | 4,628 |
| Total domestic deposits to total assets | 91.7665% | 235 |
| Equity capital to assets | 2.3283% | 7,717 |
| Core capital (leverage) ratio | 2.2285% | 7,709 |
| Tier 1 risk-based capital ratio | 2.9261% | 7,710 |
| Total risk-based capital ratio | 4.1880% | 7,713 |
| Memoranda: | ||
| Average total assets | $267,672,750 | 2,417 |
| Average earning assets | $239,106,750 | 2,476 |
| Average equity | $7,816,750 | 5,853 |
| Average total loans | $181,371,500 | 2,381 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6958% | 7,532 |
| Cost of funding earning assets | 2.3789% | 252 |
| Net interest margin | 1.3168% | 7,758 |
| Noninterest income to average assets | 0.1665% | 6,713 |
| Noninterest expense to average assets | 2.4653% | 5,862 |
| Loan and lease loss provision to assets | 2.1884% | 549 |
| Net operating income to assets | -3.3090% | 7,549 |
| Return on assets (ROA) | -3.2184% | 7,541 |
| Pretax return on assets | -3.2184% | 7,504 |
| Return on Equity (ROE) | -103.8212% | 7,742 |
| Retained earnings to average equity (ytd only) | -103.8212% | 7,741 |
| Net charge-offs to loans | 2.7666% | 592 |
| Credit loss provision to net charge-offs | 117.4441% | 3,460 |
| Earnings coverage of net charge-offs (x) | -0.6013% | 6,045 |
| Efficiency ratio | 183.3243% | 121 |
| Assets per employee ($millions) | 9.4353% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6952% | 1,096 |
| Loan loss allowance to noncurrent loans | 11.0364% | 7,239 |
| Noncurrent assets plus other real estate owned to assets | 21.6720% | 40 |
| Noncurrent loans to loans | 24.4207% | 34 |
| Net loans and leases to total assets | 63.4785% | 4,357 |
| Net loans and leases to deposits | 69.9084% | 5,294 |
| Net loans and leases to core deposits | 76.5889% | 5,127 |
| Total domestic deposits to total assets | 90.8024% | 567 |
| Equity capital to assets | 2.3624% | 7,777 |
| Core capital (leverage) ratio | 2.2206% | 7,768 |
| Tier 1 risk-based capital ratio | 3.0509% | 7,771 |
| Total risk-based capital ratio | 4.3145% | 7,773 |
| Memoranda: | ||
| Average total assets | $273,802,000 | 2,375 |
| Average earning assets | $244,982,670 | 2,441 |
| Average equity | $8,487,670 | 5,639 |
| Average total loans | $184,415,000 | 2,370 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8468% | 7,555 |
| Cost of funding earning assets | 2.3217% | 402 |
| Net interest margin | 1.5251% | 7,828 |
| Noninterest income to average assets | 0.1475% | 6,919 |
| Noninterest expense to average assets | 2.4492% | 5,914 |
| Loan and lease loss provision to assets | 1.5481% | 753 |
| Net operating income to assets | -2.4769% | 7,553 |
| Return on assets (ROA) | -2.3688% | 7,538 |
| Pretax return on assets | -2.3688% | 7,494 |
| Return on Equity (ROE) | -68.2983% | 7,762 |
| Retained earnings to average equity (ytd only) | -68.2983% | 7,755 |
| Net charge-offs to loans | 1.0055% | 1,635 |
| Credit loss provision to net charge-offs | 225.0531% | 1,680 |
| Earnings coverage of net charge-offs (x) | -1.3503% | 5,420 |
| Efficiency ratio | 161.0951% | 176 |
| Assets per employee ($millions) | 9.0744% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6785% | 1,100 |
| Loan loss allowance to noncurrent loans | 13.7838% | 7,242 |
| Noncurrent assets plus other real estate owned to assets | 17.4213% | 95 |
| Noncurrent loans to loans | 19.4322% | 87 |
| Net loans and leases to total assets | 64.0006% | 4,330 |
| Net loans and leases to deposits | 70.9273% | 5,212 |
| Net loans and leases to core deposits | 84.3842% | 4,156 |
| Total domestic deposits to total assets | 90.2341% | 869 |
| Equity capital to assets | 3.1148% | 7,842 |
| Core capital (leverage) ratio | 3.2806% | 7,829 |
| Tier 1 risk-based capital ratio | 4.2880% | 7,832 |
| Total risk-based capital ratio | 5.5520% | 7,833 |
| Memoranda: | ||
| Average total assets | $273,890,500 | 2,441 |
| Average earning assets | $246,543,500 | 2,488 |
| Average equity | $9,499,500 | 5,384 |
| Average total loans | $187,370,500 | 2,407 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 7,541 |
| Cost of funding earning assets | 2.8597% | 361 |
| Net interest margin | 1.4653% | 7,875 |
| Noninterest income to average assets | -0.7099% | 7,970 |
| Noninterest expense to average assets | 2.5033% | 6,117 |
| Loan and lease loss provision to assets | 3.1857% | 513 |
| Net operating income to assets | -5.0937% | 7,757 |
| Return on assets (ROA) | -5.0472% | 7,745 |
| Pretax return on assets | -5.0472% | 7,714 |
| Return on Equity (ROE) | -74.1833% | 7,835 |
| Retained earnings to average equity (ytd only) | -74.1833% | 7,831 |
| Net charge-offs to loans | 3.4999% | 554 |
| Credit loss provision to net charge-offs | 124.5602% | 4,216 |
| Earnings coverage of net charge-offs (x) | -0.7460% | 6,827 |
| Efficiency ratio | 420.5159% | 41 |
| Assets per employee ($millions) | 8.0750% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3009% | 1,482 |
| Loan loss allowance to noncurrent loans | 12.5093% | 7,323 |
| Noncurrent assets plus other real estate owned to assets | 18.4636% | 74 |
| Noncurrent loans to loans | 18.3938% | 96 |
| Net loans and leases to total assets | 69.5684% | 3,346 |
| Net loans and leases to deposits | 78.0281% | 4,365 |
| Net loans and leases to core deposits | 121.2859% | 1,856 |
| Total domestic deposits to total assets | 89.1581% | 1,406 |
| Equity capital to assets | 3.8416% | 7,870 |
| Core capital (leverage) ratio | 3.6101% | 7,866 |
| Tier 1 risk-based capital ratio | 4.9281% | 7,873 |
| Total risk-based capital ratio | 6.1880% | 7,880 |
| Memoranda: | ||
| Average total assets | $280,033,800 | 2,348 |
| Average earning assets | $249,429,400 | 2,409 |
| Average equity | $19,052,800 | 3,338 |
| Average total loans | $204,636,600 | 2,260 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3573% | 7,635 |
| Cost of funding earning assets | 2.9232% | 414 |
| Net interest margin | 1.4341% | 7,960 |
| Noninterest income to average assets | 0.0367% | 7,705 |
| Noninterest expense to average assets | 2.2943% | 6,723 |
| Loan and lease loss provision to assets | 2.8992% | 524 |
| Net operating income to assets | -3.8815% | 7,733 |
| Return on assets (ROA) | -3.8589% | 7,732 |
| Pretax return on assets | -3.8589% | 7,667 |
| Return on Equity (ROE) | -51.4522% | 7,842 |
| Retained earnings to average equity (ytd only) | -51.4522% | 7,838 |
| Net charge-offs to loans | 3.2552% | 496 |
| Credit loss provision to net charge-offs | 121.1520% | 4,188 |
| Earnings coverage of net charge-offs (x) | -0.4105% | 6,434 |
| Efficiency ratio | 174.8655% | 214 |
| Assets per employee ($millions) | 7.9827% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8839% | 2,074 |
| Loan loss allowance to noncurrent loans | 13.1875% | 7,379 |
| Noncurrent assets plus other real estate owned to assets | 15.0705% | 117 |
| Noncurrent loans to loans | 14.2857% | 169 |
| Net loans and leases to total assets | 63.2335% | 5,037 |
| Net loans and leases to deposits | 71.6281% | 5,712 |
| Net loans and leases to core deposits | 111.8195% | 3,042 |
| Total domestic deposits to total assets | 88.2802% | 1,525 |
| Equity capital to assets | 5.5400% | 7,915 |
| Core capital (leverage) ratio | 5.2419% | 7,904 |
| Tier 1 risk-based capital ratio | 7.0921% | 7,887 |
| Total risk-based capital ratio | 8.3460% | 7,891 |
| Memoranda: | ||
| Average total assets | $283,423,250 | 2,336 |
| Average earning assets | $252,047,000 | 2,404 |
| Average equity | $21,256,750 | 3,064 |
| Average total loans | $208,358,500 | 2,236 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6323% | 7,484 |
| Cost of funding earning assets | 2.8936% | 619 |
| Net interest margin | 1.7387% | 7,960 |
| Noninterest income to average assets | 0.0845% | 7,556 |
| Noninterest expense to average assets | 2.2480% | 6,924 |
| Loan and lease loss provision to assets | 1.9242% | 851 |
| Net operating income to assets | -2.5449% | 7,571 |
| Return on assets (ROA) | -2.5189% | 7,555 |
| Pretax return on assets | -2.5189% | 7,427 |
| Return on Equity (ROE) | -30.6587% | 7,720 |
| Retained earnings to average equity (ytd only) | -30.6587% | 7,692 |
| Net charge-offs to loans | 1.8829% | 1,001 |
| Credit loss provision to net charge-offs | 133.0170% | 3,510 |
| Earnings coverage of net charge-offs (x) | -0.4291% | 6,033 |
| Efficiency ratio | 138.1439% | 451 |
| Assets per employee ($millions) | 7.7586% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 2,965 |
| Loan loss allowance to noncurrent loans | 9.6684% | 7,500 |
| Noncurrent assets plus other real estate owned to assets | 14.5296% | 110 |
| Noncurrent loans to loans | 15.9999% | 111 |
| Net loans and leases to total assets | 70.5469% | 3,564 |
| Net loans and leases to deposits | 81.5542% | 4,291 |
| Net loans and leases to core deposits | 126.5346% | 1,816 |
| Total domestic deposits to total assets | 86.5032% | 2,506 |
| Equity capital to assets | 7.1636% | 7,509 |
| Core capital (leverage) ratio | 7.6061% | 6,893 |
| Tier 1 risk-based capital ratio | 8.8311% | 7,778 |
| Total risk-based capital ratio | 10.0827% | 7,813 |
| Memoranda: | ||
| Average total assets | $276,784,000 | 2,404 |
| Average earning assets | $245,579,670 | 2,471 |
| Average equity | $22,740,670 | 2,884 |
| Average total loans | $212,646,000 | 2,224 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8355% | 7,314 |
| Cost of funding earning assets | 2.9261% | 725 |
| Net interest margin | 1.9094% | 7,941 |
| Noninterest income to average assets | 0.1569% | 7,187 |
| Noninterest expense to average assets | 2.3707% | 6,290 |
| Loan and lease loss provision to assets | 1.7179% | 723 |
| Net operating income to assets | -2.2094% | 7,710 |
| Return on assets (ROA) | -2.1556% | 7,699 |
| Pretax return on assets | -2.1556% | 7,574 |
| Return on Equity (ROE) | -24.5085% | 7,835 |
| Retained earnings to average equity (ytd only) | -24.5085% | 7,761 |
| Net charge-offs to loans | 0.1069% | 4,115 |
| Credit loss provision to net charge-offs | 2,017.5439% | 313 |
| Earnings coverage of net charge-offs (x) | -5.7719% | 5,579 |
| Efficiency ratio | 126.1526% | 546 |
| Assets per employee ($millions) | 7.6000% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7200% | 2,072 |
| Loan loss allowance to noncurrent loans | 25.4961% | 6,868 |
| Noncurrent assets plus other real estate owned to assets | 8.1396% | 356 |
| Noncurrent loans to loans | 6.7463% | 618 |
| Net loans and leases to total assets | 77.2704% | 1,976 |
| Net loans and leases to deposits | 91.0344% | 2,771 |
| Net loans and leases to core deposits | 140.4939% | 1,078 |
| Total domestic deposits to total assets | 84.8804% | 3,262 |
| Equity capital to assets | 8.3081% | 6,378 |
| Core capital (leverage) ratio | 8.6725% | 5,203 |
| Tier 1 risk-based capital ratio | 9.6282% | 7,309 |
| Total risk-based capital ratio | 10.8613% | 7,266 |
| Memoranda: | ||
| Average total assets | $267,763,500 | 2,482 |
| Average earning assets | $241,546,500 | 2,522 |
| Average equity | $23,551,000 | 2,817 |
| Average total loans | $213,340,000 | 2,239 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9435% | 5,833 |
| Cost of funding earning assets | 3.6785% | 288 |
| Net interest margin | 2.2649% | 7,927 |
| Noninterest income to average assets | 0.1448% | 7,377 |
| Noninterest expense to average assets | 2.7071% | 5,237 |
| Loan and lease loss provision to assets | 0.4172% | 3,199 |
| Net operating income to assets | -0.8208% | 7,147 |
| Return on assets (ROA) | -0.7833% | 7,024 |
| Pretax return on assets | -0.7833% | 6,870 |
| Return on Equity (ROE) | -8.9783% | 7,195 |
| Retained earnings to average equity (ytd only) | -15.2770% | 7,478 |
| Net charge-offs to loans | 0.4357% | 2,650 |
| Credit loss provision to net charge-offs | 117.7313% | 4,569 |
| Earnings coverage of net charge-offs (x) | -1.1388% | 6,615 |
| Efficiency ratio | 117.5195% | 603 |
| Assets per employee ($millions) | 6.0913% | 1,090 |
| Cash dividends to net income (ytd only)* | -70.1545% | 8,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 4,292 |
| Loan loss allowance to noncurrent loans | 32.0231% | 6,593 |
| Noncurrent assets plus other real estate owned to assets | 5.9352% | 512 |
| Noncurrent loans to loans | 3.8479% | 1,288 |
| Net loans and leases to total assets | 79.7784% | 1,710 |
| Net loans and leases to deposits | 95.5015% | 2,527 |
| Net loans and leases to core deposits | 146.4930% | 994 |
| Total domestic deposits to total assets | 83.5363% | 3,561 |
| Equity capital to assets | 9.3045% | 4,933 |
| Core capital (leverage) ratio | 9.4637% | 4,062 |
| Tier 1 risk-based capital ratio | 10.4383% | 6,279 |
| Total risk-based capital ratio | 11.5648% | 6,280 |
| Memoranda: | ||
| Average total assets | $256,217,200 | 2,500 |
| Average earning assets | $244,201,000 | 2,414 |
| Average equity | $22,353,800 | 2,928 |
| Average total loans | $208,402,400 | 2,219 |