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Ames Community Bank, Performance and Condition Ratios
| 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 | 6.3569% | 3,660 |
| Cost of funding earning assets | 3.3152% | 880 |
| Net interest margin | 3.0417% | 6,809 |
| Noninterest income to average assets | 0.5536% | 4,200 |
| Noninterest expense to average assets | 2.7489% | 5,054 |
| Loan and lease loss provision to assets | 0.3354% | 3,706 |
| Net operating income to assets | 0.2703% | 5,640 |
| Return on assets (ROA) | 0.2962% | 5,371 |
| Pretax return on assets | 0.3114% | 5,486 |
| Return on Equity (ROE) | 3.3749% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.3749% | 3,053 |
| Net charge-offs to loans | 0.9876% | 1,255 |
| Credit loss provision to net charge-offs | 38.8013% | 6,463 |
| Earnings coverage of net charge-offs (x) | 0.7167% | 5,796 |
| Efficiency ratio | 81.6062% | 2,359 |
| Assets per employee ($millions) | 2.9327% | 6,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 3,069 |
| Loan loss allowance to noncurrent loans | 42.0924% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 4.3311% | 899 |
| Noncurrent loans to loans | 3.3804% | 1,524 |
| Net loans and leases to total assets | 84.0331% | 882 |
| Net loans and leases to deposits | 107.7448% | 992 |
| Net loans and leases to core deposits | 146.4702% | 997 |
| Total domestic deposits to total assets | 77.9927% | 5,715 |
| Equity capital to assets | 8.8538% | 5,560 |
| Core capital (leverage) ratio | 8.8984% | 4,893 |
| Tier 1 risk-based capital ratio | 9.7843% | 6,971 |
| Total risk-based capital ratio | 11.0355% | 6,860 |
| Memoranda: | ||
| Average total assets | $183,348,200 | 3,367 |
| Average earning assets | $169,674,200 | 3,341 |
| Average equity | $16,089,600 | 3,913 |
| Average total loans | $160,493,600 | 2,767 |