Home > Amerika Samoa Bank > Performance and Condition Ratios
Amerika Samoa 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 | 7.7510% | 67 |
| Cost of funding earning assets | 0.9661% | 5,860 |
| Net interest margin | 6.7849% | 58 |
| Noninterest income to average assets | 1.3298% | 830 |
| Noninterest expense to average assets | 6.5921% | 179 |
| Loan and lease loss provision to assets | -0.9111% | 7,654 |
| Net operating income to assets | 0.9569% | 2,180 |
| Return on assets (ROA) | 0.9569% | 2,302 |
| Pretax return on assets | 1.6119% | 1,101 |
| Return on Equity (ROE) | 7.5478% | 2,874 |
| Retained earnings to average equity (ytd only) | 7.5478% | 1,132 |
| Net charge-offs to loans | 0.9951% | 2,200 |
| Credit loss provision to net charge-offs | -125.2792% | 7,041 |
| Earnings coverage of net charge-offs (x) | 0.9635% | 5,148 |
| Efficiency ratio | 90.3918% | 1,295 |
| Assets per employee ($millions) | 1.5109% | 7,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8623% | 2,656 |
| Loan loss allowance to noncurrent loans | 106.3393% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 1.2383% | 4,543 |
| Noncurrent loans to loans | 1.7513% | 3,880 |
| Net loans and leases to total assets | 69.3887% | 2,687 |
| Net loans and leases to deposits | 80.6886% | 3,048 |
| Net loans and leases to core deposits | 80.6886% | 4,107 |
| Total domestic deposits to total assets | 85.9957% | 3,360 |
| Equity capital to assets | 13.4071% | 1,218 |
| Core capital (leverage) ratio | 13.3644% | 1,011 |
| Tier 1 risk-based capital ratio | 18.1525% | 1,952 |
| Total risk-based capital ratio | 19.4092% | 1,915 |
| Memoranda: | ||
| Average total assets | $135,434,400 | 4,145 |
| Average earning assets | $119,029,800 | 4,252 |
| Average equity | $17,170,600 | 3,563 |
| Average total loans | $98,989,000 | 3,826 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8542% | 62 |
| Cost of funding earning assets | 1.0150% | 5,871 |
| Net interest margin | 6.8393% | 54 |
| Noninterest income to average assets | 1.2942% | 824 |
| Noninterest expense to average assets | 6.3484% | 192 |
| Loan and lease loss provision to assets | -1.2757% | 7,759 |
| Net operating income to assets | 1.2903% | 1,356 |
| Return on assets (ROA) | 1.2903% | 1,440 |
| Pretax return on assets | 2.2240% | 388 |
| Return on Equity (ROE) | 10.3185% | 1,998 |
| Retained earnings to average equity (ytd only) | 10.3185% | 721 |
| Net charge-offs to loans | 1.1485% | 1,774 |
| Credit loss provision to net charge-offs | -150.8065% | 6,933 |
| Earnings coverage of net charge-offs (x) | 1.1210% | 4,933 |
| Efficiency ratio | 87.0041% | 1,530 |
| Assets per employee ($millions) | 1.5283% | 7,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8307% | 2,689 |
| Loan loss allowance to noncurrent loans | 109.9749% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 1.2270% | 4,699 |
| Noncurrent loans to loans | 1.6646% | 4,150 |
| Net loans and leases to total assets | 72.3614% | 2,178 |
| Net loans and leases to deposits | 84.9554% | 2,528 |
| Net loans and leases to core deposits | 84.9554% | 3,811 |
| Total domestic deposits to total assets | 85.1758% | 3,528 |
| Equity capital to assets | 13.4317% | 1,375 |
| Core capital (leverage) ratio | 12.5954% | 1,373 |
| Tier 1 risk-based capital ratio | 17.5713% | 2,152 |
| Total risk-based capital ratio | 18.8280% | 2,121 |
| Memoranda: | ||
| Average total assets | $136,808,250 | 4,171 |
| Average earning assets | $120,068,000 | 4,285 |
| Average equity | $17,108,000 | 3,621 |
| Average total loans | $100,767,750 | 3,842 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8467% | 72 |
| Cost of funding earning assets | 1.0450% | 5,939 |
| Net interest margin | 6.8017% | 60 |
| Noninterest income to average assets | 1.2767% | 787 |
| Noninterest expense to average assets | 6.5776% | 173 |
| Loan and lease loss provision to assets | -2.5951% | 7,829 |
| Net operating income to assets | 1.8849% | 412 |
| Return on assets (ROA) | 1.8849% | 455 |
| Pretax return on assets | 3.2550% | 98 |
| Return on Equity (ROE) | 15.4287% | 776 |
| Retained earnings to average equity (ytd only) | 15.4287% | 217 |
| Net charge-offs to loans | 1.1890% | 1,597 |
| Credit loss provision to net charge-offs | -296.3875% | 6,768 |
| Earnings coverage of net charge-offs (x) | 0.7537% | 4,997 |
| Efficiency ratio | 90.8820% | 1,268 |
| Assets per employee ($millions) | 1.6022% | 7,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 3,841 |
| Loan loss allowance to noncurrent loans | 183.5351% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.6137% | 5,955 |
| Noncurrent loans to loans | 0.8255% | 5,628 |
| Net loans and leases to total assets | 73.2182% | 2,102 |
| Net loans and leases to deposits | 90.0509% | 1,845 |
| Net loans and leases to core deposits | 90.0509% | 3,252 |
| Total domestic deposits to total assets | 81.3076% | 5,289 |
| Equity capital to assets | 12.9555% | 1,593 |
| Core capital (leverage) ratio | 12.3325% | 1,483 |
| Tier 1 risk-based capital ratio | 17.7015% | 2,033 |
| Total risk-based capital ratio | 18.9584% | 2,004 |
| Memoranda: | ||
| Average total assets | $139,108,000 | 4,154 |
| Average earning assets | $121,911,000 | 4,274 |
| Average equity | $16,994,330 | 3,632 |
| Average total loans | $102,438,000 | 3,817 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8355% | 83 |
| Cost of funding earning assets | 1.0110% | 6,325 |
| Net interest margin | 6.8245% | 67 |
| Noninterest income to average assets | 1.1318% | 974 |
| Noninterest expense to average assets | 6.3861% | 178 |
| Loan and lease loss provision to assets | -5.6221% | 7,934 |
| Net operating income to assets | 3.6698% | 58 |
| Return on assets (ROA) | 3.6698% | 61 |
| Pretax return on assets | 6.3267% | 43 |
| Return on Equity (ROE) | 30.9297% | 83 |
| Retained earnings to average equity (ytd only) | 30.9297% | 59 |
| Net charge-offs to loans | 0.2663% | 3,345 |
| Credit loss provision to net charge-offs | -2,879.7101% | 6,568 |
| Earnings coverage of net charge-offs (x) | 3.6087% | 2,850 |
| Efficiency ratio | 90.0638% | 1,433 |
| Assets per employee ($millions) | 1.5452% | 7,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8374% | 2,615 |
| Loan loss allowance to noncurrent loans | 120.3597% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 1.1717% | 4,833 |
| Noncurrent loans to loans | 1.5266% | 4,459 |
| Net loans and leases to total assets | 75.3417% | 1,674 |
| Net loans and leases to deposits | 92.8462% | 1,494 |
| Net loans and leases to core deposits | 92.8462% | 2,998 |
| Total domestic deposits to total assets | 81.1467% | 5,402 |
| Equity capital to assets | 13.1107% | 1,481 |
| Core capital (leverage) ratio | 11.8986% | 1,692 |
| Tier 1 risk-based capital ratio | 16.7711% | 2,357 |
| Total risk-based capital ratio | 18.0283% | 2,305 |
| Memoranda: | ||
| Average total assets | $141,370,000 | 4,170 |
| Average earning assets | $123,438,500 | 4,293 |
| Average equity | $16,773,500 | 3,701 |
| Average total loans | $103,629,000 | 3,836 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5138% | 58 |
| Cost of funding earning assets | 2.1124% | 2,405 |
| Net interest margin | 6.4014% | 81 |
| Noninterest income to average assets | 1.3429% | 826 |
| Noninterest expense to average assets | 6.0299% | 304 |
| Loan and lease loss provision to assets | 1.5035% | 1,531 |
| Net operating income to assets | -0.3518% | 6,030 |
| Return on assets (ROA) | -0.3518% | 6,019 |
| Pretax return on assets | -0.6065% | 6,104 |
| Return on Equity (ROE) | -3.0429% | 5,991 |
| Retained earnings to average equity (ytd only) | -3.0429% | 5,709 |
| Net charge-offs to loans | 0.1177% | 5,996 |
| Credit loss provision to net charge-offs | 1,696.0630% | 189 |
| Earnings coverage of net charge-offs (x) | 10.1181% | 1,722 |
| Efficiency ratio | 87.0516% | 1,984 |
| Assets per employee ($millions) | 1.6289% | 7,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7334% | 431 |
| Loan loss allowance to noncurrent loans | 301.3804% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.8702% | 5,373 |
| Noncurrent loans to loans | 1.2388% | 4,881 |
| Net loans and leases to total assets | 67.6229% | 3,793 |
| Net loans and leases to deposits | 82.9082% | 3,471 |
| Net loans and leases to core deposits | 135.1827% | 995 |
| Total domestic deposits to total assets | 81.5636% | 5,127 |
| Equity capital to assets | 10.7603% | 2,908 |
| Core capital (leverage) ratio | 10.7186% | 2,410 |
| Tier 1 risk-based capital ratio | 15.6367% | 2,659 |
| Total risk-based capital ratio | 16.9186% | 2,595 |
| Memoranda: | ||
| Average total assets | $143,270,200 | 4,055 |
| Average earning assets | $124,973,600 | 4,191 |
| Average equity | $16,563,000 | 3,767 |
| Average total loans | $107,864,800 | 3,743 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6860% | 53 |
| Cost of funding earning assets | 2.2149% | 2,335 |
| Net interest margin | 6.4710% | 74 |
| Noninterest income to average assets | 1.3481% | 837 |
| Noninterest expense to average assets | 5.8699% | 321 |
| Loan and lease loss provision to assets | 1.8791% | 977 |
| Net operating income to assets | -0.4387% | 6,367 |
| Return on assets (ROA) | -0.4387% | 6,364 |
| Pretax return on assets | -0.7569% | 6,520 |
| Return on Equity (ROE) | -3.7266% | 6,312 |
| Retained earnings to average equity (ytd only) | -3.7266% | 6,065 |
| Net charge-offs to loans | 0.1130% | 5,552 |
| Credit loss provision to net charge-offs | 2,169.5652% | 183 |
| Earnings coverage of net charge-offs (x) | 12.9569% | 1,713 |
| Efficiency ratio | 83.9505% | 2,303 |
| Assets per employee ($millions) | 1.4344% | 8,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5489% | 396 |
| Loan loss allowance to noncurrent loans | 386.5990% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.6936% | 5,750 |
| Noncurrent loans to loans | 0.9180% | 5,454 |
| Net loans and leases to total assets | 72.8793% | 2,825 |
| Net loans and leases to deposits | 92.1478% | 2,208 |
| Net loans and leases to core deposits | 163.5090% | 335 |
| Total domestic deposits to total assets | 79.0896% | 5,773 |
| Equity capital to assets | 11.3819% | 2,684 |
| Core capital (leverage) ratio | 11.2909% | 2,192 |
| Tier 1 risk-based capital ratio | 15.8408% | 2,687 |
| Total risk-based capital ratio | 17.1217% | 2,608 |
| Memoranda: | ||
| Average total assets | $141,623,750 | 4,104 |
| Average earning assets | $123,521,500 | 4,257 |
| Average equity | $16,672,500 | 3,772 |
| Average total loans | $108,514,250 | 3,760 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7873% | 54 |
| Cost of funding earning assets | 2.4636% | 1,735 |
| Net interest margin | 6.3236% | 81 |
| Noninterest income to average assets | 1.4219% | 741 |
| Noninterest expense to average assets | 5.2835% | 430 |
| Loan and lease loss provision to assets | 0.4368% | 3,368 |
| Net operating income to assets | 0.6898% | 3,301 |
| Return on assets (ROA) | 0.6898% | 3,416 |
| Pretax return on assets | 1.1873% | 2,338 |
| Return on Equity (ROE) | 5.7949% | 3,750 |
| Retained earnings to average equity (ytd only) | 5.7949% | 2,118 |
| Net charge-offs to loans | 0.1359% | 4,807 |
| Credit loss provision to net charge-offs | 417.5676% | 1,108 |
| Earnings coverage of net charge-offs (x) | 15.5270% | 1,589 |
| Efficiency ratio | 76.4886% | 3,598 |
| Assets per employee ($millions) | 1.4088% | 8,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9457% | 1,682 |
| Loan loss allowance to noncurrent loans | 149.7896% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.9924% | 4,981 |
| Noncurrent loans to loans | 1.2989% | 4,606 |
| Net loans and leases to total assets | 74.9130% | 2,462 |
| Net loans and leases to deposits | 96.0448% | 1,792 |
| Net loans and leases to core deposits | 127.2724% | 1,763 |
| Total domestic deposits to total assets | 77.9980% | 6,077 |
| Equity capital to assets | 11.9113% | 2,251 |
| Core capital (leverage) ratio | 12.6472% | 1,563 |
| Tier 1 risk-based capital ratio | 15.2321% | 2,922 |
| Total risk-based capital ratio | 16.4905% | 2,845 |
| Memoranda: | ||
| Average total assets | $141,496,330 | 4,147 |
| Average earning assets | $122,745,670 | 4,298 |
| Average equity | $16,842,330 | 3,743 |
| Average total loans | $108,918,670 | 3,789 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8400% | 56 |
| Cost of funding earning assets | 2.6986% | 1,276 |
| Net interest margin | 6.1414% | 95 |
| Noninterest income to average assets | 1.2479% | 918 |
| Noninterest expense to average assets | 4.9688% | 499 |
| Loan and lease loss provision to assets | 0.8177% | 1,581 |
| Net operating income to assets | 0.4359% | 4,719 |
| Return on assets (ROA) | 0.4359% | 4,890 |
| Pretax return on assets | 0.7522% | 4,248 |
| Return on Equity (ROE) | 3.6635% | 5,101 |
| Retained earnings to average equity (ytd only) | 3.6635% | 3,863 |
| Net charge-offs to loans | 0.1807% | 3,557 |
| Credit loss provision to net charge-offs | 585.7143% | 968 |
| Earnings coverage of net charge-offs (x) | 11.2449% | 1,887 |
| Efficiency ratio | 75.9913% | 3,499 |
| Assets per employee ($millions) | 1.3136% | 8,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9779% | 1,466 |
| Loan loss allowance to noncurrent loans | 103.5818% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 1.4298% | 3,792 |
| Noncurrent loans to loans | 1.9095% | 3,396 |
| Net loans and leases to total assets | 73.3950% | 2,915 |
| Net loans and leases to deposits | 91.7701% | 2,639 |
| Net loans and leases to core deposits | 127.6894% | 1,805 |
| Total domestic deposits to total assets | 79.9770% | 5,380 |
| Equity capital to assets | 11.6139% | 2,512 |
| Core capital (leverage) ratio | 12.6321% | 1,630 |
| Tier 1 risk-based capital ratio | 15.2890% | 2,947 |
| Total risk-based capital ratio | 16.5481% | 2,881 |
| Memoranda: | ||
| Average total assets | $140,396,500 | 4,179 |
| Average earning assets | $120,950,500 | 4,361 |
| Average equity | $16,705,500 | 3,792 |
| Average total loans | $108,486,500 | 3,825 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2767% | 45 |
| Cost of funding earning assets | 2.8655% | 2,411 |
| Net interest margin | 7.4112% | 47 |
| Noninterest income to average assets | 1.6366% | 517 |
| Noninterest expense to average assets | 6.8126% | 297 |
| Loan and lease loss provision to assets | 0.5445% | 2,642 |
| Net operating income to assets | 0.6155% | 4,238 |
| Return on assets (ROA) | 0.6155% | 4,096 |
| Pretax return on assets | 0.9444% | 3,571 |
| Return on Equity (ROE) | 4.5931% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.5931% | 2,271 |
| Net charge-offs to loans | 0.2324% | 3,917 |
| Credit loss provision to net charge-offs | 280.2521% | 1,626 |
| Earnings coverage of net charge-offs (x) | 7.6639% | 3,050 |
| Efficiency ratio | 82.0649% | 2,294 |
| Assets per employee ($millions) | 1.2738% | 8,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 1,767 |
| Loan loss allowance to noncurrent loans | 102.8649% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.3574% | 3,488 |
| Noncurrent loans to loans | 1.7007% | 3,221 |
| Net loans and leases to total assets | 78.4150% | 2,019 |
| Net loans and leases to deposits | 102.2258% | 1,566 |
| Net loans and leases to core deposits | 148.4973% | 912 |
| Total domestic deposits to total assets | 76.7077% | 6,067 |
| Equity capital to assets | 12.2008% | 2,160 |
| Core capital (leverage) ratio | 12.3931% | 1,792 |
| Tier 1 risk-based capital ratio | 17.2934% | 2,233 |
| Total risk-based capital ratio | 18.5528% | 2,182 |
| Memoranda: | ||
| Average total assets | $122,508,400 | 4,460 |
| Average earning assets | $110,171,600 | 4,511 |
| Average equity | $16,416,000 | 3,846 |
| Average total loans | $102,404,800 | 3,888 |