Home > Anchor Bank > Performance and Condition Ratios
Anchor 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 | 4.8120% | 7,100 |
| Cost of funding earning assets | 1.2442% | 6,745 |
| Net interest margin | 3.5678% | 4,602 |
| Noninterest income to average assets | 0.4590% | 4,830 |
| Noninterest expense to average assets | 2.3980% | 6,425 |
| Loan and lease loss provision to assets | 0.4788% | 3,509 |
| Net operating income to assets | 0.5908% | 3,631 |
| Return on assets (ROA) | 0.5229% | 3,978 |
| Pretax return on assets | 0.7658% | 3,643 |
| Return on Equity (ROE) | 7.0744% | 3,041 |
| Retained earnings to average equity (ytd only) | 4.4831% | 2,767 |
| Net charge-offs to loans | 0.3948% | 3,689 |
| Credit loss provision to net charge-offs | 189.6334% | 2,399 |
| Earnings coverage of net charge-offs (x) | 5.3249% | 2,858 |
| Efficiency ratio | 64.0737% | 5,735 |
| Assets per employee ($millions) | 9.3521% | 325 |
| Cash dividends to net income (ytd only)* | 36.6300% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 3,488 |
| Loan loss allowance to noncurrent loans | 74.4906% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 2.3450% | 2,933 |
| Noncurrent loans to loans | 2.0024% | 3,639 |
| Net loans and leases to total assets | 55.8448% | 6,159 |
| Net loans and leases to deposits | 84.2377% | 3,610 |
| Net loans and leases to core deposits | 93.0859% | 5,123 |
| Total domestic deposits to total assets | 66.2943% | 7,668 |
| Equity capital to assets | 6.9512% | 7,617 |
| Core capital (leverage) ratio | 6.7668% | 7,557 |
| Tier 1 risk-based capital ratio | 10.5752% | 6,382 |
| Total risk-based capital ratio | 11.8302% | 6,340 |
| Memoranda: | ||
| Average total assets | $417,669,250 | 1,670 |
| Average earning assets | $384,387,750 | 1,658 |
| Average equity | $30,871,000 | 2,195 |
| Average total loans | $267,130,500 | 1,810 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0238% | 6,691 |
| Cost of funding earning assets | 1.2730% | 6,889 |
| Net interest margin | 3.7508% | 3,751 |
| Noninterest income to average assets | 0.4691% | 4,716 |
| Noninterest expense to average assets | 2.5466% | 5,963 |
| Loan and lease loss provision to assets | 0.4454% | 3,314 |
| Net operating income to assets | 0.6246% | 3,566 |
| Return on assets (ROA) | 0.6107% | 3,742 |
| Pretax return on assets | 0.9061% | 3,313 |
| Return on Equity (ROE) | 8.0803% | 2,737 |
| Retained earnings to average equity (ytd only) | 6.1159% | 1,964 |
| Net charge-offs to loans | 0.3724% | 3,327 |
| Credit loss provision to net charge-offs | 179.2829% | 2,550 |
| Earnings coverage of net charge-offs (x) | 5.5239% | 2,817 |
| Efficiency ratio | 64.9830% | 5,722 |
| Assets per employee ($millions) | 8.0023% | 500 |
| Cash dividends to net income (ytd only)* | 24.3112% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 4,148 |
| Loan loss allowance to noncurrent loans | 50.8269% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 2.2628% | 2,880 |
| Noncurrent loans to loans | 2.6005% | 2,790 |
| Net loans and leases to total assets | 63.9610% | 4,990 |
| Net loans and leases to deposits | 88.5389% | 3,080 |
| Net loans and leases to core deposits | 97.7006% | 4,728 |
| Total domestic deposits to total assets | 72.2406% | 7,213 |
| Equity capital to assets | 7.4606% | 7,304 |
| Core capital (leverage) ratio | 7.4901% | 7,031 |
| Tier 1 risk-based capital ratio | 10.0985% | 6,822 |
| Total risk-based capital ratio | 11.2769% | 6,819 |
| Memoranda: | ||
| Average total assets | $404,141,670 | 1,738 |
| Average earning assets | $371,710,330 | 1,733 |
| Average equity | $30,543,330 | 2,229 |
| Average total loans | $269,579,000 | 1,826 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0910% | 6,674 |
| Cost of funding earning assets | 1.2956% | 7,025 |
| Net interest margin | 3.7954% | 3,460 |
| Noninterest income to average assets | 0.5204% | 4,127 |
| Noninterest expense to average assets | 2.4785% | 5,920 |
| Loan and lease loss provision to assets | 0.4019% | 2,914 |
| Net operating income to assets | 0.7555% | 3,327 |
| Return on assets (ROA) | 0.7264% | 3,632 |
| Pretax return on assets | 1.0981% | 2,994 |
| Return on Equity (ROE) | 9.5469% | 2,515 |
| Retained earnings to average equity (ytd only) | 9.5469% | 1,325 |
| Net charge-offs to loans | 0.1395% | 3,840 |
| Credit loss provision to net charge-offs | 425.5319% | 1,247 |
| Earnings coverage of net charge-offs (x) | 16.3511% | 1,555 |
| Efficiency ratio | 61.6134% | 6,125 |
| Assets per employee ($millions) | 6.6078% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 4,072 |
| Loan loss allowance to noncurrent loans | 64.2672% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.6352% | 3,455 |
| Noncurrent loans to loans | 2.0241% | 3,230 |
| Net loans and leases to total assets | 65.3762% | 4,731 |
| Net loans and leases to deposits | 93.5150% | 2,359 |
| Net loans and leases to core deposits | 102.7265% | 4,266 |
| Total domestic deposits to total assets | 69.9099% | 7,435 |
| Equity capital to assets | 7.6678% | 7,206 |
| Core capital (leverage) ratio | 7.8736% | 6,660 |
| Tier 1 risk-based capital ratio | 10.2341% | 6,674 |
| Total risk-based capital ratio | 11.4046% | 6,664 |
| Memoranda: | ||
| Average total assets | $398,151,500 | 1,772 |
| Average earning assets | $367,394,500 | 1,758 |
| Average equity | $30,292,500 | 2,244 |
| Average total loans | $269,508,000 | 1,840 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9941% | 5,569 |
| Cost of funding earning assets | 1.7684% | 7,092 |
| Net interest margin | 4.2257% | 2,204 |
| Noninterest income to average assets | 0.7293% | 2,917 |
| Noninterest expense to average assets | 2.7164% | 5,195 |
| Loan and lease loss provision to assets | 0.3318% | 3,739 |
| Net operating income to assets | 0.9714% | 2,682 |
| Return on assets (ROA) | 0.8851% | 2,905 |
| Pretax return on assets | 1.3600% | 2,092 |
| Return on Equity (ROE) | 11.5572% | 1,734 |
| Retained earnings to average equity (ytd only) | 4.2404% | 2,482 |
| Net charge-offs to loans | 0.5834% | 2,075 |
| Credit loss provision to net charge-offs | 82.6623% | 5,848 |
| Earnings coverage of net charge-offs (x) | 4.5455% | 3,940 |
| Efficiency ratio | 59.8209% | 6,385 |
| Assets per employee ($millions) | 6.4464% | 910 |
| Cash dividends to net income (ytd only)* | 63.3098% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 4,821 |
| Loan loss allowance to noncurrent loans | 153.5143% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.6729% | 5,204 |
| Noncurrent loans to loans | 0.7584% | 5,140 |
| Net loans and leases to total assets | 68.3727% | 4,395 |
| Net loans and leases to deposits | 92.1578% | 3,106 |
| Net loans and leases to core deposits | 97.3175% | 5,117 |
| Total domestic deposits to total assets | 74.1909% | 6,622 |
| Equity capital to assets | 7.5472% | 7,345 |
| Core capital (leverage) ratio | 7.7803% | 6,834 |
| Tier 1 risk-based capital ratio | 9.6496% | 7,145 |
| Total risk-based capital ratio | 10.6806% | 7,298 |
| Memoranda: | ||
| Average total assets | $383,676,400 | 1,764 |
| Average earning assets | $346,072,600 | 1,786 |
| Average equity | $29,384,200 | 2,302 |
| Average total loans | $263,966,200 | 1,810 |