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American Trust & Savings Bank, Performance and Condition Ratios
| 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 | 4.7787% | 5,972 |
| Cost of funding earning assets | 1.5536% | 3,244 |
| Net interest margin | 3.2251% | 6,213 |
| Noninterest income to average assets | 1.1604% | 917 |
| Noninterest expense to average assets | 4.5308% | 565 |
| Loan and lease loss provision to assets | 0.1144% | 5,469 |
| Net operating income to assets | -0.6290% | 6,920 |
| Return on assets (ROA) | -0.6290% | 6,947 |
| Pretax return on assets | -0.6290% | 6,860 |
| Return on Equity (ROE) | -7.7581% | 7,039 |
| Retained earnings to average equity (ytd only) | -7.7581% | 6,806 |
| Net charge-offs to loans | 3.9231% | 340 |
| Credit loss provision to net charge-offs | 4.9635% | 5,097 |
| Earnings coverage of net charge-offs (x) | -0.2234% | 5,172 |
| Efficiency ratio | 112.8141% | 543 |
| Assets per employee ($millions) | 2.5267% | 7,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4926% | 3,942 |
| Loan loss allowance to noncurrent loans | 37.6252% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 2.7215% | 2,676 |
| Noncurrent loans to loans | 3.9670% | 1,979 |
| Net loans and leases to total assets | 56.3520% | 5,695 |
| Net loans and leases to deposits | 67.5782% | 5,640 |
| Net loans and leases to core deposits | 70.9634% | 5,834 |
| Total domestic deposits to total assets | 83.3879% | 4,433 |
| Equity capital to assets | 8.1183% | 6,520 |
| Core capital (leverage) ratio | 6.7245% | 7,380 |
| Tier 1 risk-based capital ratio | 12.5402% | 4,707 |
| Total risk-based capital ratio | 13.7950% | 4,664 |
| Memoranda: | ||
| Average total assets | $118,919,500 | 4,659 |
| Average earning assets | $105,300,500 | 4,727 |
| Average equity | $9,641,500 | 5,335 |
| Average total loans | $69,842,000 | 4,869 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8625% | 6,802 |
| Cost of funding earning assets | 1.6084% | 4,992 |
| Net interest margin | 3.2541% | 5,912 |
| Noninterest income to average assets | 0.9963% | 1,586 |
| Noninterest expense to average assets | 4.0896% | 1,249 |
| Loan and lease loss provision to assets | 1.3292% | 1,728 |
| Net operating income to assets | -1.4929% | 6,852 |
| Return on assets (ROA) | -1.3138% | 6,774 |
| Pretax return on assets | -1.2790% | 6,586 |
| Return on Equity (ROE) | -16.1787% | 6,998 |
| Retained earnings to average equity (ytd only) | -16.5782% | 6,964 |
| Net charge-offs to loans | 1.0740% | 2,271 |
| Credit loss provision to net charge-offs | 201.2865% | 1,934 |
| Earnings coverage of net charge-offs (x) | -0.1953% | 6,432 |
| Efficiency ratio | 103.2566% | 971 |
| Assets per employee ($millions) | 2.1651% | 7,600 |
| Cash dividends to net income (ytd only)* | -2.4691% | 7,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3206% | 1,447 |
| Loan loss allowance to noncurrent loans | 37.3486% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 4.1946% | 1,556 |
| Noncurrent loans to loans | 6.2134% | 999 |
| Net loans and leases to total assets | 58.8527% | 5,507 |
| Net loans and leases to deposits | 70.4267% | 5,550 |
| Net loans and leases to core deposits | 79.0960% | 6,177 |
| Total domestic deposits to total assets | 83.5659% | 4,250 |
| Equity capital to assets | 8.0969% | 6,465 |
| Core capital (leverage) ratio | 6.6953% | 7,412 |
| Tier 1 risk-based capital ratio | 12.3818% | 4,612 |
| Total risk-based capital ratio | 13.6471% | 4,565 |
| Memoranda: | ||
| Average total assets | $129,475,800 | 4,344 |
| Average earning assets | $117,944,600 | 4,358 |
| Average equity | $10,513,800 | 5,160 |
| Average total loans | $79,611,200 | 4,527 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8717% | 6,953 |
| Cost of funding earning assets | 1.5965% | 5,417 |
| Net interest margin | 3.2752% | 5,730 |
| Noninterest income to average assets | 0.9873% | 1,653 |
| Noninterest expense to average assets | 3.9219% | 1,400 |
| Loan and lease loss provision to assets | 1.3628% | 1,414 |
| Net operating income to assets | -1.3315% | 7,028 |
| Return on assets (ROA) | -1.1377% | 6,930 |
| Pretax return on assets | -1.0923% | 6,752 |
| Return on Equity (ROE) | -14.0017% | 7,134 |
| Retained earnings to average equity (ytd only) | -14.5235% | 7,103 |
| Net charge-offs to loans | 1.2781% | 1,610 |
| Credit loss provision to net charge-offs | 172.6343% | 2,686 |
| Earnings coverage of net charge-offs (x) | 0.0972% | 5,945 |
| Efficiency ratio | 98.0813% | 1,161 |
| Assets per employee ($millions) | 2.2278% | 7,584 |
| Cash dividends to net income (ytd only)* | -3.7268% | 7,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7929% | 2,301 |
| Loan loss allowance to noncurrent loans | 31.6937% | 6,333 |
| Noncurrent assets plus other real estate owned to assets | 3.9558% | 1,629 |
| Noncurrent loans to loans | 5.6571% | 1,094 |
| Net loans and leases to total assets | 61.0642% | 5,415 |
| Net loans and leases to deposits | 74.2916% | 5,329 |
| Net loans and leases to core deposits | 83.9405% | 6,043 |
| Total domestic deposits to total assets | 82.1954% | 4,588 |
| Equity capital to assets | 8.3580% | 6,433 |
| Core capital (leverage) ratio | 6.9274% | 7,479 |
| Tier 1 risk-based capital ratio | 12.4582% | 4,578 |
| Total risk-based capital ratio | 13.7175% | 4,523 |
| Memoranda: | ||
| Average total assets | $132,074,250 | 4,318 |
| Average earning assets | $121,433,000 | 4,309 |
| Average equity | $10,731,750 | 5,134 |
| Average total loans | $81,577,000 | 4,499 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 7,084 |
| Cost of funding earning assets | 1.5845% | 5,794 |
| Net interest margin | 3.2923% | 5,583 |
| Noninterest income to average assets | 0.9804% | 1,660 |
| Noninterest expense to average assets | 3.8963% | 1,496 |
| Loan and lease loss provision to assets | 1.2184% | 1,412 |
| Net operating income to assets | -1.1593% | 7,088 |
| Return on assets (ROA) | -0.9892% | 6,973 |
| Pretax return on assets | -0.9227% | 6,763 |
| Return on Equity (ROE) | -12.2805% | 7,188 |
| Retained earnings to average equity (ytd only) | -13.0698% | 7,118 |
| Net charge-offs to loans | 0.8540% | 1,983 |
| Credit loss provision to net charge-offs | 231.4607% | 1,995 |
| Earnings coverage of net charge-offs (x) | 0.2388% | 5,434 |
| Efficiency ratio | 96.8750% | 1,317 |
| Assets per employee ($millions) | 2.3850% | 7,453 |
| Cash dividends to net income (ytd only)* | -6.4275% | 7,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6132% | 2,682 |
| Loan loss allowance to noncurrent loans | 38.3172% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 2.6660% | 2,408 |
| Noncurrent loans to loans | 4.2101% | 1,569 |
| Net loans and leases to total assets | 61.0825% | 5,504 |
| Net loans and leases to deposits | 74.3732% | 5,398 |
| Net loans and leases to core deposits | 84.1951% | 6,077 |
| Total domestic deposits to total assets | 82.1298% | 4,636 |
| Equity capital to assets | 8.2678% | 6,387 |
| Core capital (leverage) ratio | 6.9278% | 7,584 |
| Tier 1 risk-based capital ratio | 12.7285% | 4,335 |
| Total risk-based capital ratio | 13.9855% | 4,246 |
| Memoranda: | ||
| Average total assets | $135,255,670 | 4,274 |
| Average earning assets | $124,956,670 | 4,244 |
| Average equity | $10,895,330 | 5,115 |
| Average total loans | $83,373,330 | 4,483 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8422% | 7,304 |
| Cost of funding earning assets | 1.5603% | 6,196 |
| Net interest margin | 3.2819% | 5,567 |
| Noninterest income to average assets | 0.9937% | 1,497 |
| Noninterest expense to average assets | 3.8287% | 1,416 |
| Loan and lease loss provision to assets | 0.0515% | 6,313 |
| Net operating income to assets | 0.0411% | 6,155 |
| Return on assets (ROA) | 0.0888% | 6,177 |
| Pretax return on assets | 0.2176% | 5,895 |
| Return on Equity (ROE) | 1.1154% | 6,093 |
| Retained earnings to average equity (ytd only) | -0.3958% | 5,742 |
| Net charge-offs to loans | 0.0093% | 5,524 |
| Credit loss provision to net charge-offs | 900.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 967 |
| Efficiency ratio | 95.1601% | 1,369 |
| Assets per employee ($millions) | 2.5179% | 7,244 |
| Cash dividends to net income (ytd only)* | 135.4839% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 6,339 |
| Loan loss allowance to noncurrent loans | 20.8280% | 7,123 |
| Noncurrent assets plus other real estate owned to assets | 2.8219% | 2,013 |
| Noncurrent loans to loans | 4.6856% | 1,197 |
| Net loans and leases to total assets | 58.6480% | 5,851 |
| Net loans and leases to deposits | 69.0295% | 6,074 |
| Net loans and leases to core deposits | 77.3351% | 6,588 |
| Total domestic deposits to total assets | 84.9607% | 3,226 |
| Equity capital to assets | 8.0118% | 6,787 |
| Core capital (leverage) ratio | 7.0514% | 7,603 |
| Tier 1 risk-based capital ratio | 12.7306% | 4,364 |
| Total risk-based capital ratio | 13.7856% | 4,444 |
| Memoranda: | ||
| Average total assets | $139,680,500 | 4,194 |
| Average earning assets | $128,949,000 | 4,177 |
| Average equity | $11,117,500 | 5,070 |
| Average total loans | $85,821,000 | 4,435 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5190% | 7,254 |
| Cost of funding earning assets | 2.2050% | 5,576 |
| Net interest margin | 3.3140% | 5,986 |
| Noninterest income to average assets | 1.0292% | 1,490 |
| Noninterest expense to average assets | 3.6261% | 2,085 |
| Loan and lease loss provision to assets | 0.2701% | 4,233 |
| Net operating income to assets | 0.1924% | 5,872 |
| Return on assets (ROA) | 0.1879% | 5,707 |
| Pretax return on assets | 0.1842% | 5,767 |
| Return on Equity (ROE) | 2.4088% | 5,457 |
| Retained earnings to average equity (ytd only) | 1.4225% | 4,367 |
| Net charge-offs to loans | 0.1879% | 4,315 |
| Credit loss provision to net charge-offs | 229.5597% | 2,070 |
| Earnings coverage of net charge-offs (x) | 3.8994% | 4,189 |
| Efficiency ratio | 88.7702% | 1,608 |
| Assets per employee ($millions) | 2.4707% | 7,257 |
| Cash dividends to net income (ytd only)* | 40.9449% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 6,649 |
| Loan loss allowance to noncurrent loans | 27.1521% | 6,883 |
| Noncurrent assets plus other real estate owned to assets | 2.1719% | 2,253 |
| Noncurrent loans to loans | 3.3348% | 1,555 |
| Net loans and leases to total assets | 63.1215% | 5,432 |
| Net loans and leases to deposits | 74.3620% | 5,804 |
| Net loans and leases to core deposits | 83.6355% | 6,329 |
| Total domestic deposits to total assets | 84.8840% | 2,895 |
| Equity capital to assets | 7.9056% | 6,962 |
| Core capital (leverage) ratio | 7.1011% | 7,615 |
| Tier 1 risk-based capital ratio | 12.4872% | 4,446 |
| Total risk-based capital ratio | 13.4992% | 4,521 |
| Memoranda: | ||
| Average total assets | $135,157,400 | 4,180 |
| Average earning assets | $124,623,200 | 4,163 |
| Average equity | $10,544,600 | 5,247 |
| Average total loans | $84,612,600 | 4,380 |