Home > AmericanFirst Bank > Performance and Condition Ratios
AmericanFirst 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 | 3.6387% | 7,662 |
| Cost of funding earning assets | 2.5058% | 223 |
| Net interest margin | 1.1329% | 7,871 |
| Noninterest income to average assets | 0.0658% | 7,391 |
| Noninterest expense to average assets | 3.8493% | 1,246 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -2.8129% | 7,617 |
| Return on assets (ROA) | -2.8129% | 7,617 |
| Pretax return on assets | -2.8129% | 7,573 |
| Return on Equity (ROE) | -9,771.4286% | 7,934 |
| Retained earnings to average equity (ytd only) | -9,771.4286% | 7,934 |
| Net charge-offs to loans | 12.3456% | 31 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.3274% | 5,220 |
| Efficiency ratio | 371.4286% | 28 |
| Assets per employee ($millions) | 5.2017% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9042% | 103 |
| Loan loss allowance to noncurrent loans | 33.6125% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 20.0550% | 55 |
| Noncurrent loans to loans | 17.5655% | 119 |
| Net loans and leases to total assets | 58.4117% | 5,365 |
| Net loans and leases to deposits | 60.7255% | 6,389 |
| Net loans and leases to core deposits | 64.8787% | 6,389 |
| Total domestic deposits to total assets | 96.1897% | 29 |
| Equity capital to assets | -0.3047% | 7,921 |
| Core capital (leverage) ratio | -0.3281% | 7,922 |
| Tier 1 risk-based capital ratio | -0.4380% | 7,920 |
| Total risk-based capital ratio | -0.4380% | 7,920 |
| Memoranda: | ||
| Average total assets | $97,265,500 | 5,226 |
| Average earning assets | $83,327,000 | 5,387 |
| Average equity | $28,000 | 7,927 |
| Average total loans | $67,684,000 | 4,943 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 7,224 |
| Cost of funding earning assets | 2.7538% | 508 |
| Net interest margin | 1.8834% | 7,785 |
| Noninterest income to average assets | 0.0837% | 7,336 |
| Noninterest expense to average assets | 3.3888% | 2,719 |
| Loan and lease loss provision to assets | 5.9131% | 117 |
| Net operating income to assets | -9.3783% | 7,968 |
| Return on assets (ROA) | -9.2740% | 7,965 |
| Pretax return on assets | -7.4355% | 7,891 |
| Return on Equity (ROE) | -126.8758% | 7,972 |
| Retained earnings to average equity (ytd only) | -126.8758% | 7,972 |
| Net charge-offs to loans | 1.4534% | 1,727 |
| Credit loss provision to net charge-offs | 545.7579% | 553 |
| Earnings coverage of net charge-offs (x) | -1.5014% | 6,958 |
| Efficiency ratio | 192.3212% | 158 |
| Assets per employee ($millions) | 4.5249% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3377% | 38 |
| Loan loss allowance to noncurrent loans | 49.1260% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 18.9012% | 69 |
| Noncurrent loans to loans | 16.9720% | 114 |
| Net loans and leases to total assets | 71.6985% | 2,833 |
| Net loans and leases to deposits | 79.2372% | 4,129 |
| Net loans and leases to core deposits | 85.8188% | 5,536 |
| Total domestic deposits to total assets | 90.4859% | 748 |
| Equity capital to assets | 0.4122% | 7,992 |
| Core capital (leverage) ratio | 0.3154% | 7,994 |
| Tier 1 risk-based capital ratio | 0.4598% | 7,994 |
| Total risk-based capital ratio | 0.9197% | 7,994 |
| Memoranda: | ||
| Average total assets | $96,818,800 | 5,173 |
| Average earning assets | $86,279,600 | 5,250 |
| Average equity | $7,077,000 | 6,247 |
| Average total loans | $72,174,800 | 4,795 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4664% | 7,547 |
| Cost of funding earning assets | 2.6904% | 807 |
| Net interest margin | 1.7760% | 7,892 |
| Noninterest income to average assets | 0.0881% | 7,457 |
| Noninterest expense to average assets | 3.3075% | 2,891 |
| Loan and lease loss provision to assets | 1.1179% | 1,747 |
| Net operating income to assets | -1.7114% | 7,198 |
| Return on assets (ROA) | -1.7114% | 7,195 |
| Pretax return on assets | -2.7425% | 7,432 |
| Return on Equity (ROE) | -19.2387% | 7,348 |
| Retained earnings to average equity (ytd only) | -19.2387% | 7,313 |
| Net charge-offs to loans | 1.0277% | 1,920 |
| Credit loss provision to net charge-offs | 147.5850% | 3,280 |
| Earnings coverage of net charge-offs (x) | -2.1449% | 6,756 |
| Efficiency ratio | 196.5378% | 162 |
| Assets per employee ($millions) | 5.4680% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0215% | 1,752 |
| Loan loss allowance to noncurrent loans | 10.5865% | 7,441 |
| Noncurrent assets plus other real estate owned to assets | 14.2128% | 142 |
| Noncurrent loans to loans | 19.0954% | 74 |
| Net loans and leases to total assets | 66.0805% | 4,412 |
| Net loans and leases to deposits | 77.7503% | 4,769 |
| Net loans and leases to core deposits | 83.9598% | 6,039 |
| Total domestic deposits to total assets | 84.9907% | 3,243 |
| Equity capital to assets | 7.4653% | 7,324 |
| Core capital (leverage) ratio | 5.4888% | 7,873 |
| Tier 1 risk-based capital ratio | 6.9639% | 7,897 |
| Total risk-based capital ratio | 8.2023% | 7,905 |
| Memoranda: | ||
| Average total assets | $98,399,250 | 5,168 |
| Average earning assets | $88,361,250 | 5,222 |
| Average equity | $8,753,000 | 5,736 |
| Average total loans | $72,521,750 | 4,827 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7577% | 7,297 |
| Cost of funding earning assets | 2.7880% | 820 |
| Net interest margin | 1.9697% | 7,878 |
| Noninterest income to average assets | 0.1034% | 7,462 |
| Noninterest expense to average assets | 3.2803% | 3,051 |
| Loan and lease loss provision to assets | 1.6360% | 1,022 |
| Net operating income to assets | -1.8977% | 7,400 |
| Return on assets (ROA) | -1.8977% | 7,392 |
| Pretax return on assets | -3.0397% | 7,580 |
| Return on Equity (ROE) | -20.0909% | 7,506 |
| Retained earnings to average equity (ytd only) | -20.0909% | 7,458 |
| Net charge-offs to loans | 1.5449% | 1,224 |
| Credit loss provision to net charge-offs | 139.1382% | 3,354 |
| Earnings coverage of net charge-offs (x) | -1.1939% | 6,268 |
| Efficiency ratio | 174.8031% | 268 |
| Assets per employee ($millions) | 4.1666% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9764% | 1,618 |
| Loan loss allowance to noncurrent loans | 11.1947% | 7,473 |
| Noncurrent assets plus other real estate owned to assets | 14.9732% | 101 |
| Noncurrent loans to loans | 17.6549% | 81 |
| Net loans and leases to total assets | 74.6815% | 2,523 |
| Net loans and leases to deposits | 90.5111% | 2,747 |
| Net loans and leases to core deposits | 99.4981% | 4,554 |
| Total domestic deposits to total assets | 82.5109% | 4,472 |
| Equity capital to assets | 8.8385% | 5,538 |
| Core capital (leverage) ratio | 6.5798% | 7,755 |
| Tier 1 risk-based capital ratio | 7.8561% | 7,928 |
| Total risk-based capital ratio | 9.1131% | 7,944 |
| Memoranda: | ||
| Average total assets | $94,746,000 | 5,314 |
| Average earning assets | $85,293,000 | 5,366 |
| Average equity | $8,949,330 | 5,699 |
| Average total loans | $72,110,330 | 4,882 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9897% | 6,952 |
| Cost of funding earning assets | 3.1032% | 457 |
| Net interest margin | 1.8864% | 7,947 |
| Noninterest income to average assets | 0.0637% | 7,746 |
| Noninterest expense to average assets | 3.1549% | 3,174 |
| Loan and lease loss provision to assets | 0.9554% | 1,363 |
| Net operating income to assets | -1.4649% | 7,482 |
| Return on assets (ROA) | -1.4649% | 7,495 |
| Pretax return on assets | -2.3481% | 7,629 |
| Return on Equity (ROE) | -15.0180% | 7,602 |
| Retained earnings to average equity (ytd only) | -15.0180% | 7,436 |
| Net charge-offs to loans | 1.7192% | 843 |
| Credit loss provision to net charge-offs | 73.0519% | 4,301 |
| Earnings coverage of net charge-offs (x) | -1.0649% | 5,375 |
| Efficiency ratio | 179.0361% | 242 |
| Assets per employee ($millions) | 4.1122% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 2,661 |
| Loan loss allowance to noncurrent loans | 17.4378% | 7,293 |
| Noncurrent assets plus other real estate owned to assets | 7.8558% | 388 |
| Noncurrent loans to loans | 8.9896% | 359 |
| Net loans and leases to total assets | 75.8184% | 2,311 |
| Net loans and leases to deposits | 92.7288% | 2,480 |
| Net loans and leases to core deposits | 106.9948% | 3,795 |
| Total domestic deposits to total assets | 81.7636% | 4,649 |
| Equity capital to assets | 9.5506% | 4,607 |
| Core capital (leverage) ratio | 7.4661% | 7,195 |
| Tier 1 risk-based capital ratio | 9.0628% | 7,752 |
| Total risk-based capital ratio | 10.3145% | 7,770 |
| Memoranda: | ||
| Average total assets | $94,203,500 | 5,369 |
| Average earning assets | $84,815,500 | 5,404 |
| Average equity | $9,189,000 | 5,629 |
| Average total loans | $71,660,000 | 4,921 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5884% | 7,104 |
| Cost of funding earning assets | 3.6141% | 369 |
| Net interest margin | 1.9743% | 8,077 |
| Noninterest income to average assets | 0.0598% | 7,849 |
| Noninterest expense to average assets | 3.3863% | 2,715 |
| Loan and lease loss provision to assets | 0.8520% | 1,750 |
| Net operating income to assets | -1.4961% | 7,464 |
| Return on assets (ROA) | -1.4945% | 7,407 |
| Pretax return on assets | -2.3752% | 7,551 |
| Return on Equity (ROE) | -12.5444% | 7,466 |
| Retained earnings to average equity (ytd only) | -12.5444% | 7,290 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 181.9936% | 240 |
| Assets per employee ($millions) | 4.4680% | 2,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7384% | 1,802 |
| Loan loss allowance to noncurrent loans | 60.7037% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 2.1508% | 2,283 |
| Noncurrent loans to loans | 2.8637% | 1,888 |
| Net loans and leases to total assets | 73.7997% | 3,153 |
| Net loans and leases to deposits | 90.7547% | 3,323 |
| Net loans and leases to core deposits | 108.4140% | 3,919 |
| Total domestic deposits to total assets | 81.3177% | 4,506 |
| Equity capital to assets | 9.9598% | 4,083 |
| Core capital (leverage) ratio | 7.8283% | 6,756 |
| Tier 1 risk-based capital ratio | 10.1359% | 6,590 |
| Total risk-based capital ratio | 11.4039% | 6,432 |
| Memoranda: | ||
| Average total assets | $83,571,400 | 5,580 |
| Average earning assets | $76,230,000 | 5,579 |
| Average equity | $9,956,600 | 5,426 |
| Average total loans | $56,517,400 | 5,427 |