Home > American United Bank > Performance and Condition Ratios
American United Bank, Performance and Condition Ratios
| 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 | 4.6560% | 7,344 |
| Cost of funding earning assets | 4.0235% | 12 |
| Net interest margin | 0.6325% | 8,047 |
| Noninterest income to average assets | 0.6003% | 3,696 |
| Noninterest expense to average assets | 3.5018% | 2,281 |
| Loan and lease loss provision to assets | 6.0699% | 105 |
| Net operating income to assets | -8.4060% | 8,017 |
| Return on assets (ROA) | -8.0528% | 8,012 |
| Pretax return on assets | -8.0528% | 7,999 |
| Return on Equity (ROE) | -194.6724% | 8,073 |
| Retained earnings to average equity (ytd only) | -194.6724% | 8,073 |
| Net charge-offs to loans | 6.2861% | 133 |
| Credit loss provision to net charge-offs | 126.2303% | 3,984 |
| Earnings coverage of net charge-offs (x) | -0.4858% | 6,471 |
| Efficiency ratio | 300.4000% | 68 |
| Assets per employee ($millions) | 7.8639% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5677% | 202 |
| Loan loss allowance to noncurrent loans | 17.6317% | 7,213 |
| Noncurrent assets plus other real estate owned to assets | 22.7451% | 30 |
| Noncurrent loans to loans | 25.9059% | 27 |
| Net loans and leases to total assets | 71.7160% | 3,108 |
| Net loans and leases to deposits | 77.1150% | 4,882 |
| Net loans and leases to core deposits | 93.6196% | 5,058 |
| Total domestic deposits to total assets | 92.9987% | 89 |
| Equity capital to assets | 0.3570% | 8,081 |
| Core capital (leverage) ratio | 0.4764% | 8,079 |
| Tier 1 risk-based capital ratio | 0.5814% | 8,081 |
| Total risk-based capital ratio | 1.1627% | 8,081 |
| Memoranda: | ||
| Average total assets | $114,375,250 | 4,735 |
| Average earning assets | $102,231,250 | 4,817 |
| Average equity | $4,731,250 | 7,100 |
| Average total loans | $87,492,000 | 4,320 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8172% | 7,197 |
| Cost of funding earning assets | 4.0662% | 18 |
| Net interest margin | 0.7510% | 8,123 |
| Noninterest income to average assets | 0.2383% | 6,574 |
| Noninterest expense to average assets | 2.1658% | 7,133 |
| Loan and lease loss provision to assets | 5.7978% | 151 |
| Net operating income to assets | -7.0499% | 8,059 |
| Return on assets (ROA) | -6.5266% | 8,016 |
| Pretax return on assets | -6.5266% | 7,983 |
| Return on Equity (ROE) | -122.3506% | 8,103 |
| Retained earnings to average equity (ytd only) | -122.3506% | 8,102 |
| Net charge-offs to loans | 2.8963% | 564 |
| Credit loss provision to net charge-offs | 260.2326% | 1,792 |
| Earnings coverage of net charge-offs (x) | -0.5620% | 6,106 |
| Efficiency ratio | 237.0510% | 133 |
| Assets per employee ($millions) | 8.0089% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4348% | 101 |
| Loan loss allowance to noncurrent loans | 54.7964% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 11.6692% | 200 |
| Noncurrent loans to loans | 9.9181% | 356 |
| Net loans and leases to total assets | 73.9306% | 2,715 |
| Net loans and leases to deposits | 81.7785% | 4,262 |
| Net loans and leases to core deposits | 100.5288% | 4,456 |
| Total domestic deposits to total assets | 90.4035% | 668 |
| Equity capital to assets | 3.0056% | 8,119 |
| Core capital (leverage) ratio | 3.1903% | 8,117 |
| Tier 1 risk-based capital ratio | 3.9060% | 8,128 |
| Total risk-based capital ratio | 5.0760% | 8,127 |
| Memoranda: | ||
| Average total assets | $115,802,330 | 4,734 |
| Average earning assets | $104,127,670 | 4,785 |
| Average equity | $6,177,330 | 6,653 |
| Average total loans | $89,078,000 | 4,299 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0663% | 6,749 |
| Cost of funding earning assets | 4.0402% | 24 |
| Net interest margin | 1.0261% | 8,160 |
| Noninterest income to average assets | 0.0986% | 7,547 |
| Noninterest expense to average assets | 1.7307% | 7,786 |
| Loan and lease loss provision to assets | 0.1700% | 4,769 |
| Net operating income to assets | -0.8772% | 7,175 |
| Return on assets (ROA) | -0.2856% | 6,738 |
| Pretax return on assets | -0.2856% | 6,661 |
| Return on Equity (ROE) | -4.4321% | 6,931 |
| Retained earnings to average equity (ytd only) | -4.4321% | 6,479 |
| Net charge-offs to loans | 1.3098% | 1,073 |
| Credit loss provision to net charge-offs | 17.0068% | 5,111 |
| Earnings coverage of net charge-offs (x) | -0.7075% | 5,304 |
| Efficiency ratio | 169.1030% | 278 |
| Assets per employee ($millions) | 8.3247% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7499% | 604 |
| Loan loss allowance to noncurrent loans | 22.1031% | 7,061 |
| Noncurrent assets plus other real estate owned to assets | 11.6641% | 154 |
| Noncurrent loans to loans | 12.4414% | 165 |
| Net loans and leases to total assets | 74.4333% | 2,641 |
| Net loans and leases to deposits | 85.1967% | 3,775 |
| Net loans and leases to core deposits | 105.5700% | 3,963 |
| Total domestic deposits to total assets | 87.3664% | 2,029 |
| Equity capital to assets | 6.3940% | 7,906 |
| Core capital (leverage) ratio | 6.2929% | 7,949 |
| Tier 1 risk-based capital ratio | 7.5384% | 8,056 |
| Total risk-based capital ratio | 8.6813% | 8,078 |
| Memoranda: | ||
| Average total assets | $117,641,500 | 4,713 |
| Average earning assets | $106,034,000 | 4,748 |
| Average equity | $7,581,000 | 6,195 |
| Average total loans | $89,788,000 | 4,319 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1039% | 5,021 |
| Cost of funding earning assets | 4.3681% | 27 |
| Net interest margin | 1.7358% | 8,144 |
| Noninterest income to average assets | 0.1398% | 7,401 |
| Noninterest expense to average assets | 2.2331% | 6,886 |
| Loan and lease loss provision to assets | 1.6074% | 817 |
| Net operating income to assets | -2.0814% | 7,619 |
| Return on assets (ROA) | -1.9824% | 7,561 |
| Pretax return on assets | -1.9824% | 7,432 |
| Return on Equity (ROE) | -24.5011% | 7,853 |
| Retained earnings to average equity (ytd only) | -24.5011% | 7,796 |
| Net charge-offs to loans | 0.2652% | 3,635 |
| Credit loss provision to net charge-offs | 827.1028% | 531 |
| Earnings coverage of net charge-offs (x) | -2.4393% | 6,733 |
| Efficiency ratio | 126.9489% | 493 |
| Assets per employee ($millions) | 7.4211% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9843% | 438 |
| Loan loss allowance to noncurrent loans | 37.7097% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 6.7713% | 396 |
| Noncurrent loans to loans | 7.9138% | 350 |
| Net loans and leases to total assets | 73.8413% | 3,145 |
| Net loans and leases to deposits | 84.5405% | 4,333 |
| Net loans and leases to core deposits | 105.4342% | 4,251 |
| Total domestic deposits to total assets | 87.3443% | 1,779 |
| Equity capital to assets | 6.4933% | 7,941 |
| Core capital (leverage) ratio | 6.0547% | 8,065 |
| Tier 1 risk-based capital ratio | 7.6802% | 8,116 |
| Total risk-based capital ratio | 8.9345% | 8,144 |
| Memoranda: | ||
| Average total assets | $110,118,000 | 4,780 |
| Average earning assets | $102,721,000 | 4,720 |
| Average equity | $8,909,800 | 5,771 |
| Average total loans | $80,707,800 | 4,498 |