Home > Anchor Bank Heritage > Performance and Condition Ratios
Anchor Bank Heritage, 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 | 5.3773% | 5,059 |
| Cost of funding earning assets | 1.5778% | 5,501 |
| Net interest margin | 3.7995% | 3,661 |
| Noninterest income to average assets | 0.5409% | 4,152 |
| Noninterest expense to average assets | 3.4635% | 2,378 |
| Loan and lease loss provision to assets | 0.4572% | 3,622 |
| Net operating income to assets | 0.0261% | 5,656 |
| Return on assets (ROA) | 0.2080% | 5,210 |
| Pretax return on assets | 0.1732% | 5,356 |
| Return on Equity (ROE) | 2.4663% | 5,008 |
| Retained earnings to average equity (ytd only) | 2.4663% | 3,951 |
| Net charge-offs to loans | 1.0416% | 1,898 |
| Credit loss provision to net charge-offs | 55.7616% | 6,232 |
| Earnings coverage of net charge-offs (x) | 0.5470% | 5,483 |
| Efficiency ratio | 88.4370% | 1,821 |
| Assets per employee ($millions) | 5.7240% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6832% | 2,688 |
| Loan loss allowance to noncurrent loans | 80.6061% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 5.0175% | 1,166 |
| Noncurrent loans to loans | 2.0882% | 3,515 |
| Net loans and leases to total assets | 74.0277% | 2,511 |
| Net loans and leases to deposits | 92.0384% | 2,223 |
| Net loans and leases to core deposits | 103.2216% | 4,036 |
| Total domestic deposits to total assets | 80.4314% | 5,281 |
| Equity capital to assets | 8.3492% | 6,443 |
| Core capital (leverage) ratio | 8.5694% | 5,351 |
| Tier 1 risk-based capital ratio | 10.3846% | 6,588 |
| Total risk-based capital ratio | 11.6388% | 6,521 |
| Memoranda: | ||
| Average total assets | $245,523,750 | 2,668 |
| Average earning assets | $217,847,250 | 2,751 |
| Average equity | $20,704,750 | 3,138 |
| Average total loans | $193,288,500 | 2,386 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5050% | 4,599 |
| Cost of funding earning assets | 1.5945% | 5,768 |
| Net interest margin | 3.9105% | 3,056 |
| Noninterest income to average assets | 0.4075% | 5,220 |
| Noninterest expense to average assets | 3.5980% | 2,076 |
| Loan and lease loss provision to assets | 0.4453% | 3,315 |
| Net operating income to assets | -0.1109% | 6,033 |
| Return on assets (ROA) | 0.1725% | 5,447 |
| Pretax return on assets | 0.1076% | 5,659 |
| Return on Equity (ROE) | 2.0391% | 5,285 |
| Retained earnings to average equity (ytd only) | 2.0391% | 4,207 |
| Net charge-offs to loans | 1.1794% | 1,548 |
| Credit loss provision to net charge-offs | 47.2537% | 5,801 |
| Earnings coverage of net charge-offs (x) | 0.2860% | 5,390 |
| Efficiency ratio | 92.9254% | 1,573 |
| Assets per employee ($millions) | 5.1341% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6741% | 2,432 |
| Loan loss allowance to noncurrent loans | 44.1013% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 5.3273% | 957 |
| Noncurrent loans to loans | 3.7960% | 1,804 |
| Net loans and leases to total assets | 79.2521% | 1,472 |
| Net loans and leases to deposits | 99.7923% | 1,306 |
| Net loans and leases to core deposits | 111.8149% | 3,152 |
| Total domestic deposits to total assets | 79.4171% | 5,677 |
| Equity capital to assets | 8.5548% | 5,967 |
| Core capital (leverage) ratio | 8.6794% | 5,128 |
| Tier 1 risk-based capital ratio | 10.3827% | 6,497 |
| Total risk-based capital ratio | 11.6367% | 6,432 |
| Memoranda: | ||
| Average total assets | $243,412,670 | 2,720 |
| Average earning assets | $215,368,670 | 2,807 |
| Average equity | $20,597,000 | 3,162 |
| Average total loans | $194,506,000 | 2,407 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4394% | 5,231 |
| Cost of funding earning assets | 1.5795% | 6,118 |
| Net interest margin | 3.8599% | 3,213 |
| Noninterest income to average assets | 0.5530% | 3,894 |
| Noninterest expense to average assets | 3.3739% | 2,437 |
| Loan and lease loss provision to assets | 0.4909% | 2,511 |
| Net operating income to assets | 0.1865% | 5,696 |
| Return on assets (ROA) | 0.1865% | 5,871 |
| Pretax return on assets | 0.1309% | 6,098 |
| Return on Equity (ROE) | 2.2164% | 5,695 |
| Retained earnings to average equity (ytd only) | 2.2164% | 4,637 |
| Net charge-offs to loans | 1.7130% | 847 |
| Credit loss provision to net charge-offs | 36.0144% | 4,875 |
| Earnings coverage of net charge-offs (x) | 0.4562% | 4,624 |
| Efficiency ratio | 84.3571% | 2,264 |
| Assets per employee ($millions) | 4.5046% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7115% | 2,107 |
| Loan loss allowance to noncurrent loans | 87.7637% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 4.3314% | 1,131 |
| Noncurrent loans to loans | 1.9501% | 3,341 |
| Net loans and leases to total assets | 78.5723% | 1,675 |
| Net loans and leases to deposits | 100.7087% | 1,314 |
| Net loans and leases to core deposits | 111.3763% | 3,275 |
| Total domestic deposits to total assets | 78.0194% | 6,009 |
| Equity capital to assets | 8.4996% | 6,070 |
| Core capital (leverage) ratio | 8.6210% | 5,300 |
| Tier 1 risk-based capital ratio | 10.2343% | 6,671 |
| Total risk-based capital ratio | 11.4889% | 6,587 |
| Memoranda: | ||
| Average total assets | $244,468,000 | 2,716 |
| Average earning assets | $218,037,500 | 2,785 |
| Average equity | $20,574,000 | 3,173 |
| Average total loans | $194,512,500 | 2,426 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1781% | 4,626 |
| Cost of funding earning assets | 2.0737% | 6,156 |
| Net interest margin | 4.1045% | 2,691 |
| Noninterest income to average assets | 0.9379% | 1,822 |
| Noninterest expense to average assets | 3.4494% | 2,528 |
| Loan and lease loss provision to assets | 1.1502% | 1,268 |
| Net operating income to assets | 0.1394% | 6,005 |
| Return on assets (ROA) | 0.1394% | 5,833 |
| Pretax return on assets | 0.0439% | 6,066 |
| Return on Equity (ROE) | 1.5993% | 5,740 |
| Retained earnings to average equity (ytd only) | -5.1031% | 6,527 |
| Net charge-offs to loans | 1.0635% | 1,153 |
| Credit loss provision to net charge-offs | 132.6057% | 4,016 |
| Earnings coverage of net charge-offs (x) | 1.3767% | 5,437 |
| Efficiency ratio | 74.1801% | 3,541 |
| Assets per employee ($millions) | 4.3104% | 2,938 |
| Cash dividends to net income (ytd only)* | 419.0751% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9843% | 1,253 |
| Loan loss allowance to noncurrent loans | 68.8358% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 4.2655% | 923 |
| Noncurrent loans to loans | 2.8827% | 1,872 |
| Net loans and leases to total assets | 77.6230% | 2,230 |
| Net loans and leases to deposits | 97.8166% | 2,154 |
| Net loans and leases to core deposits | 106.6026% | 4,121 |
| Total domestic deposits to total assets | 79.3557% | 5,249 |
| Equity capital to assets | 8.3329% | 6,367 |
| Core capital (leverage) ratio | 8.5168% | 5,546 |
| Tier 1 risk-based capital ratio | 9.9686% | 6,767 |
| Total risk-based capital ratio | 11.2263% | 6,640 |
| Memoranda: | ||
| Average total assets | $248,215,800 | 2,576 |
| Average earning assets | $224,097,200 | 2,611 |
| Average equity | $21,633,800 | 3,020 |
| Average total loans | $202,438,200 | 2,279 |