Home > Appalachian Community Bank > Performance and Condition Ratios
Appalachian Community Bank, Performance and Condition Ratios
| 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 | 4.8034% | 6,948 |
| Cost of funding earning assets | 3.0318% | 209 |
| Net interest margin | 1.7715% | 7,816 |
| Noninterest income to average assets | 0.1853% | 6,766 |
| Noninterest expense to average assets | 2.9640% | 4,287 |
| Loan and lease loss provision to assets | 4.7777% | 224 |
| Net operating income to assets | -5.5967% | 7,804 |
| Return on assets (ROA) | -5.4875% | 7,790 |
| Pretax return on assets | -5.9013% | 7,796 |
| Return on Equity (ROE) | -129.4159% | 7,977 |
| Retained earnings to average equity (ytd only) | -129.4159% | 7,977 |
| Net charge-offs to loans | 5.4622% | 211 |
| Credit loss provision to net charge-offs | 124.5036% | 4,220 |
| Earnings coverage of net charge-offs (x) | -0.3234% | 6,562 |
| Efficiency ratio | 161.2569% | 249 |
| Assets per employee ($millions) | 4.8329% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5823% | 501 |
| Loan loss allowance to noncurrent loans | 23.5849% | 6,878 |
| Noncurrent assets plus other real estate owned to assets | 23.1870% | 31 |
| Noncurrent loans to loans | 15.1889% | 168 |
| Net loans and leases to total assets | 63.3205% | 4,749 |
| Net loans and leases to deposits | 69.7038% | 5,640 |
| Net loans and leases to core deposits | 103.2770% | 3,654 |
| Total domestic deposits to total assets | 90.8423% | 598 |
| Equity capital to assets | 1.7788% | 7,964 |
| Core capital (leverage) ratio | 1.7260% | 7,961 |
| Tier 1 risk-based capital ratio | 2.2631% | 7,964 |
| Total risk-based capital ratio | 3.8167% | 7,958 |
| Memoranda: | ||
| Average total assets | $1,081,472,600 | 625 |
| Average earning assets | $938,677,800 | 644 |
| Average equity | $45,856,800 | 1,467 |
| Average total loans | $759,771,000 | 601 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8664% | 6,966 |
| Cost of funding earning assets | 3.1111% | 235 |
| Net interest margin | 1.7553% | 7,898 |
| Noninterest income to average assets | 0.1749% | 6,964 |
| Noninterest expense to average assets | 2.8497% | 4,672 |
| Loan and lease loss provision to assets | 4.8801% | 180 |
| Net operating income to assets | -6.2141% | 7,936 |
| Return on assets (ROA) | -6.0874% | 7,924 |
| Pretax return on assets | -5.8732% | 7,899 |
| Return on Equity (ROE) | -126.6716% | 8,044 |
| Retained earnings to average equity (ytd only) | -126.6716% | 8,043 |
| Net charge-offs to loans | 5.1264% | 214 |
| Credit loss provision to net charge-offs | 133.5048% | 3,735 |
| Earnings coverage of net charge-offs (x) | -0.3063% | 6,360 |
| Efficiency ratio | 150.6836% | 312 |
| Assets per employee ($millions) | 4.6523% | 2,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2462% | 533 |
| Loan loss allowance to noncurrent loans | 21.0612% | 7,035 |
| Noncurrent assets plus other real estate owned to assets | 17.4780% | 73 |
| Noncurrent loans to loans | 15.4134% | 136 |
| Net loans and leases to total assets | 66.5710% | 4,291 |
| Net loans and leases to deposits | 74.4167% | 5,303 |
| Net loans and leases to core deposits | 110.9330% | 3,131 |
| Total domestic deposits to total assets | 89.4570% | 989 |
| Equity capital to assets | 2.2088% | 8,051 |
| Core capital (leverage) ratio | 2.1416% | 8,048 |
| Tier 1 risk-based capital ratio | 2.9059% | 8,048 |
| Total risk-based capital ratio | 4.9810% | 8,037 |
| Memoranda: | ||
| Average total assets | $1,099,322,000 | 616 |
| Average earning assets | $973,860,000 | 630 |
| Average equity | $52,829,250 | 1,271 |
| Average total loans | $783,876,750 | 601 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0815% | 6,506 |
| Cost of funding earning assets | 3.2533% | 233 |
| Net interest margin | 1.8282% | 7,931 |
| Noninterest income to average assets | 0.2766% | 6,284 |
| Noninterest expense to average assets | 2.9777% | 4,168 |
| Loan and lease loss provision to assets | 4.3399% | 272 |
| Net operating income to assets | -5.7287% | 7,988 |
| Return on assets (ROA) | -5.5417% | 7,969 |
| Pretax return on assets | -5.2243% | 7,890 |
| Return on Equity (ROE) | -98.4108% | 8,074 |
| Retained earnings to average equity (ytd only) | -98.4108% | 8,073 |
| Net charge-offs to loans | 4.1958% | 324 |
| Credit loss provision to net charge-offs | 143.4584% | 3,237 |
| Earnings coverage of net charge-offs (x) | -0.3542% | 5,995 |
| Efficiency ratio | 137.3361% | 457 |
| Assets per employee ($millions) | 4.2689% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6796% | 764 |
| Loan loss allowance to noncurrent loans | 16.7715% | 7,295 |
| Noncurrent assets plus other real estate owned to assets | 13.7538% | 128 |
| Noncurrent loans to loans | 15.9772% | 112 |
| Net loans and leases to total assets | 69.4749% | 3,825 |
| Net loans and leases to deposits | 78.9811% | 4,706 |
| Net loans and leases to core deposits | 117.5322% | 2,588 |
| Total domestic deposits to total assets | 87.9639% | 1,793 |
| Equity capital to assets | 3.8600% | 8,102 |
| Core capital (leverage) ratio | 3.7371% | 8,106 |
| Tier 1 risk-based capital ratio | 5.2154% | 8,094 |
| Total risk-based capital ratio | 7.2635% | 8,064 |
| Memoranda: | ||
| Average total assets | $1,112,187,670 | 622 |
| Average earning assets | $991,472,670 | 629 |
| Average equity | $62,629,330 | 1,088 |
| Average total loans | $801,893,330 | 608 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7086% | 3,757 |
| Cost of funding earning assets | 3.2246% | 320 |
| Net interest margin | 2.4840% | 7,521 |
| Noninterest income to average assets | 0.2403% | 6,533 |
| Noninterest expense to average assets | 2.4741% | 5,937 |
| Loan and lease loss provision to assets | 1.2600% | 1,013 |
| Net operating income to assets | -0.7461% | 7,093 |
| Return on assets (ROA) | -0.5131% | 6,938 |
| Pretax return on assets | -0.9006% | 7,098 |
| Return on Equity (ROE) | -7.9009% | 7,235 |
| Retained earnings to average equity (ytd only) | -7.9009% | 6,906 |
| Net charge-offs to loans | 1.9671% | 732 |
| Credit loss provision to net charge-offs | 88.4163% | 4,036 |
| Earnings coverage of net charge-offs (x) | -0.0033% | 4,982 |
| Efficiency ratio | 100.1299% | 1,121 |
| Assets per employee ($millions) | 4.3427% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6198% | 2,443 |
| Loan loss allowance to noncurrent loans | 26.9819% | 6,769 |
| Noncurrent assets plus other real estate owned to assets | 5.9160% | 687 |
| Noncurrent loans to loans | 6.0034% | 800 |
| Net loans and leases to total assets | 69.8266% | 3,715 |
| Net loans and leases to deposits | 81.2273% | 4,414 |
| Net loans and leases to core deposits | 119.8281% | 2,429 |
| Total domestic deposits to total assets | 85.9645% | 2,745 |
| Equity capital to assets | 6.2918% | 7,937 |
| Core capital (leverage) ratio | 5.9857% | 8,007 |
| Tier 1 risk-based capital ratio | 8.0620% | 8,005 |
| Total risk-based capital ratio | 10.0776% | 7,918 |
| Memoranda: | ||
| Average total assets | $1,121,865,000 | 617 |
| Average earning assets | $1,006,764,500 | 619 |
| Average equity | $72,852,500 | 920 |
| Average total loans | $812,765,000 | 606 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9442% | 1,271 |
| Cost of funding earning assets | 3.3959% | 717 |
| Net interest margin | 3.5483% | 5,104 |
| Noninterest income to average assets | 0.3896% | 5,563 |
| Noninterest expense to average assets | 2.7800% | 4,910 |
| Loan and lease loss provision to assets | 1.2291% | 1,166 |
| Net operating income to assets | -0.1805% | 6,595 |
| Return on assets (ROA) | -0.2296% | 6,498 |
| Pretax return on assets | -0.4402% | 6,591 |
| Return on Equity (ROE) | -3.0748% | 6,632 |
| Retained earnings to average equity (ytd only) | -3.0748% | 6,127 |
| Net charge-offs to loans | 1.0016% | 1,239 |
| Credit loss provision to net charge-offs | 153.7016% | 3,403 |
| Earnings coverage of net charge-offs (x) | 1.0824% | 5,587 |
| Efficiency ratio | 75.7388% | 3,278 |
| Assets per employee ($millions) | 4.1414% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 2,005 |
| Loan loss allowance to noncurrent loans | 50.3481% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 3.6413% | 1,206 |
| Noncurrent loans to loans | 3.3133% | 1,561 |
| Net loans and leases to total assets | 72.7391% | 3,425 |
| Net loans and leases to deposits | 85.3152% | 4,207 |
| Net loans and leases to core deposits | 126.6813% | 2,114 |
| Total domestic deposits to total assets | 85.2593% | 2,722 |
| Equity capital to assets | 6.7034% | 7,868 |
| Core capital (leverage) ratio | 6.7328% | 7,848 |
| Tier 1 risk-based capital ratio | 8.0859% | 8,073 |
| Total risk-based capital ratio | 10.0772% | 7,937 |
| Memoranda: | ||
| Average total assets | $1,011,782,800 | 655 |
| Average earning assets | $928,441,800 | 645 |
| Average equity | $75,548,800 | 877 |
| Average total loans | $807,809,200 | 586 |