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AmTrust 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 | 4.7822% | 7,152 |
| Cost of funding earning assets | 3.5876% | 49 |
| Net interest margin | 1.1946% | 7,992 |
| Noninterest income to average assets | 1.3347% | 864 |
| Noninterest expense to average assets | 4.1944% | 1,034 |
| Loan and lease loss provision to assets | 4.0350% | 298 |
| Net operating income to assets | -5.9134% | 7,920 |
| Return on assets (ROA) | -4.7194% | 7,817 |
| Pretax return on assets | -4.7315% | 7,778 |
| Return on Equity (ROE) | -111.7450% | 8,030 |
| Retained earnings to average equity (ytd only) | -111.7450% | 8,029 |
| Net charge-offs to loans | 5.9896% | 149 |
| Credit loss provision to net charge-offs | 94.9574% | 5,341 |
| Earnings coverage of net charge-offs (x) | -0.4449% | 6,456 |
| Efficiency ratio | 182.0407% | 194 |
| Assets per employee ($millions) | 6.6198% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3127% | 235 |
| Loan loss allowance to noncurrent loans | 42.9550% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 14.6372% | 128 |
| Noncurrent loans to loans | 10.0400% | 392 |
| Net loans and leases to total assets | 67.6840% | 4,027 |
| Net loans and leases to deposits | 90.4629% | 2,493 |
| Net loans and leases to core deposits | 106.0371% | 3,698 |
| Total domestic deposits to total assets | 74.8196% | 6,807 |
| Equity capital to assets | 2.4168% | 8,045 |
| Core capital (leverage) ratio | 2.4684% | 8,040 |
| Tier 1 risk-based capital ratio | 4.1461% | 8,022 |
| Total risk-based capital ratio | 5.4439% | 8,027 |
| Memoranda: | ||
| Average total assets | $13,626,596,500 | 82 |
| Average earning assets | $11,054,127,250 | 91 |
| Average equity | $575,495,750 | 171 |
| Average total loans | $9,667,138,500 | 77 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9543% | 6,910 |
| Cost of funding earning assets | 3.7661% | 43 |
| Net interest margin | 1.1882% | 8,075 |
| Noninterest income to average assets | 1.6331% | 554 |
| Noninterest expense to average assets | 2.9265% | 4,403 |
| Loan and lease loss provision to assets | 3.5006% | 412 |
| Net operating income to assets | -3.8429% | 7,809 |
| Return on assets (ROA) | -2.5835% | 7,570 |
| Pretax return on assets | -2.5847% | 7,439 |
| Return on Equity (ROE) | -54.9318% | 7,950 |
| Retained earnings to average equity (ytd only) | -54.9318% | 7,947 |
| Net charge-offs to loans | 5.0067% | 247 |
| Credit loss provision to net charge-offs | 98.4801% | 4,660 |
| Earnings coverage of net charge-offs (x) | -0.0966% | 5,793 |
| Efficiency ratio | 113.2772% | 770 |
| Assets per employee ($millions) | 7.4374% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0087% | 254 |
| Loan loss allowance to noncurrent loans | 30.0256% | 6,474 |
| Noncurrent assets plus other real estate owned to assets | 15.2036% | 96 |
| Noncurrent loans to loans | 13.3509% | 173 |
| Net loans and leases to total assets | 67.2671% | 4,298 |
| Net loans and leases to deposits | 91.5879% | 2,555 |
| Net loans and leases to core deposits | 110.9662% | 3,260 |
| Total domestic deposits to total assets | 73.4454% | 7,044 |
| Equity capital to assets | 4.3488% | 8,081 |
| Core capital (leverage) ratio | 4.4659% | 8,057 |
| Tier 1 risk-based capital ratio | 7.4927% | 7,962 |
| Total risk-based capital ratio | 8.7854% | 7,969 |
| Memoranda: | ||
| Average total assets | $14,355,798,670 | 84 |
| Average earning assets | $11,476,450,000 | 89 |
| Average equity | $675,175,670 | 153 |
| Average total loans | $10,192,412,000 | 76 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2646% | 6,050 |
| Cost of funding earning assets | 4.0531% | 22 |
| Net interest margin | 1.2115% | 8,125 |
| Noninterest income to average assets | 1.5563% | 570 |
| Noninterest expense to average assets | 2.7938% | 4,580 |
| Loan and lease loss provision to assets | 3.8613% | 249 |
| Net operating income to assets | -4.1271% | 7,990 |
| Return on assets (ROA) | -1.7246% | 7,581 |
| Pretax return on assets | -1.7414% | 7,452 |
| Return on Equity (ROE) | -35.4967% | 7,948 |
| Retained earnings to average equity (ytd only) | -35.4967% | 7,918 |
| Net charge-offs to loans | 4.0179% | 303 |
| Credit loss provision to net charge-offs | 134.5929% | 3,010 |
| Earnings coverage of net charge-offs (x) | -0.1070% | 5,081 |
| Efficiency ratio | 112.3186% | 765 |
| Assets per employee ($millions) | 8.1713% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8666% | 246 |
| Loan loss allowance to noncurrent loans | 29.1030% | 6,610 |
| Noncurrent assets plus other real estate owned to assets | 13.3110% | 110 |
| Noncurrent loans to loans | 13.2860% | 137 |
| Net loans and leases to total assets | 70.1219% | 3,642 |
| Net loans and leases to deposits | 97.8076% | 1,692 |
| Net loans and leases to core deposits | 118.5060% | 2,549 |
| Total domestic deposits to total assets | 71.6937% | 7,251 |
| Equity capital to assets | 4.7995% | 8,128 |
| Core capital (leverage) ratio | 4.8217% | 8,136 |
| Tier 1 risk-based capital ratio | 7.9926% | 8,013 |
| Total risk-based capital ratio | 9.2849% | 8,033 |
| Memoranda: | ||
| Average total assets | $14,973,904,000 | 83 |
| Average earning assets | $11,501,906,500 | 92 |
| Average equity | $727,493,000 | 142 |
| Average total loans | $10,691,761,500 | 77 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9640% | 5,735 |
| Cost of funding earning assets | 3.7163% | 253 |
| Net interest margin | 2.2477% | 7,941 |
| Noninterest income to average assets | -0.0527% | 8,182 |
| Noninterest expense to average assets | 1.9209% | 7,580 |
| Loan and lease loss provision to assets | 4.9527% | 109 |
| Net operating income to assets | -3.5072% | 7,913 |
| Return on assets (ROA) | -3.1219% | 7,825 |
| Pretax return on assets | -4.3896% | 7,955 |
| Return on Equity (ROE) | -46.2329% | 8,134 |
| Retained earnings to average equity (ytd only) | -46.2329% | 8,110 |
| Net charge-offs to loans | 4.9337% | 105 |
| Credit loss provision to net charge-offs | 124.0114% | 4,324 |
| Earnings coverage of net charge-offs (x) | 0.0051% | 6,242 |
| Efficiency ratio | 98.9244% | 1,024 |
| Assets per employee ($millions) | 8.1499% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3411% | 323 |
| Loan loss allowance to noncurrent loans | 34.1975% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 9.5183% | 192 |
| Noncurrent loans to loans | 9.7701% | 220 |
| Net loans and leases to total assets | 67.6405% | 4,530 |
| Net loans and leases to deposits | 92.6062% | 3,032 |
| Net loans and leases to core deposits | 112.7089% | 3,485 |
| Total domestic deposits to total assets | 73.0411% | 6,821 |
| Equity capital to assets | 4.9129% | 8,200 |
| Core capital (leverage) ratio | 4.9130% | 8,217 |
| Tier 1 risk-based capital ratio | 8.6442% | 7,956 |
| Total risk-based capital ratio | 9.9295% | 8,022 |
| Memoranda: | ||
| Average total assets | $16,446,505,200 | 75 |
| Average earning assets | $14,590,030,600 | 78 |
| Average equity | $1,110,543,200 | 106 |
| Average total loans | $13,313,243,000 | 65 |