Home > Appalachian Community Bank, F.S.B. > Performance and Condition Ratios
Appalachian Community Bank, F.S.B., Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 7,258 |
| Cost of funding earning assets | 2.1475% | 454 |
| Net interest margin | 1.8977% | 7,603 |
| Noninterest income to average assets | 0.1673% | 6,675 |
| Noninterest expense to average assets | 3.8113% | 1,358 |
| Loan and lease loss provision to assets | 21.0863% | 1 |
| Net operating income to assets | -22.4846% | 7,759 |
| Return on assets (ROA) | -22.4846% | 7,759 |
| Pretax return on assets | -23.0401% | 7,758 |
| Return on Equity (ROE) | -1,794.5706% | 7,761 |
| Retained earnings to average equity (ytd only) | -1,794.5706% | 7,761 |
| Net charge-offs to loans | 22.1136% | 3 |
| Credit loss provision to net charge-offs | 140.4794% | 2,825 |
| Earnings coverage of net charge-offs (x) | -0.1302% | 6,129 |
| Efficiency ratio | 205.1827% | 77 |
| Assets per employee ($millions) | 3.1000% | 5,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7632% | 29 |
| Loan loss allowance to noncurrent loans | 22.2766% | 6,802 |
| Noncurrent assets plus other real estate owned to assets | 30.8104% | 7 |
| Noncurrent loans to loans | 39.3379% | 7 |
| Net loans and leases to total assets | 57.6282% | 5,313 |
| Net loans and leases to deposits | 51.4707% | 6,913 |
| Net loans and leases to core deposits | 62.9614% | 6,380 |
| Total domestic deposits to total assets | 111.9632% | 2 |
| Equity capital to assets | -12.1318% | 7,760 |
| Core capital (leverage) ratio | -12.1318% | 7,761 |
| Tier 1 risk-based capital ratio | -18.9545% | 7,760 |
| Total risk-based capital ratio | -18.9545% | 7,760 |
| Memoranda: | ||
| Average total assets | $84,482,500 | 5,522 |
| Average earning assets | $75,248,000 | 5,566 |
| Average equity | $1,058,500 | 7,728 |
| Average total loans | $57,345,000 | 5,255 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4059% | 6,889 |
| Cost of funding earning assets | 2.1359% | 583 |
| Net interest margin | 2.2700% | 7,546 |
| Noninterest income to average assets | 0.0934% | 7,123 |
| Noninterest expense to average assets | 3.2255% | 2,813 |
| Loan and lease loss provision to assets | 6.4554% | 65 |
| Net operating income to assets | -6.7712% | 7,762 |
| Return on assets (ROA) | -6.7712% | 7,766 |
| Pretax return on assets | -7.5542% | 7,777 |
| Return on Equity (ROE) | -146.0187% | 7,776 |
| Retained earnings to average equity (ytd only) | -146.0187% | 7,776 |
| Net charge-offs to loans | 6.2447% | 118 |
| Credit loss provision to net charge-offs | 149.6648% | 2,631 |
| Earnings coverage of net charge-offs (x) | -0.2548% | 5,906 |
| Efficiency ratio | 151.6736% | 199 |
| Assets per employee ($millions) | 3.9083% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3643% | 280 |
| Loan loss allowance to noncurrent loans | 15.0346% | 7,147 |
| Noncurrent assets plus other real estate owned to assets | 23.9877% | 25 |
| Noncurrent loans to loans | 29.0282% | 22 |
| Net loans and leases to total assets | 59.9197% | 5,072 |
| Net loans and leases to deposits | 62.0077% | 6,235 |
| Net loans and leases to core deposits | 74.6946% | 5,367 |
| Total domestic deposits to total assets | 96.6326% | 17 |
| Equity capital to assets | 3.2539% | 7,740 |
| Core capital (leverage) ratio | 3.2539% | 7,725 |
| Tier 1 risk-based capital ratio | 5.1080% | 7,692 |
| Total risk-based capital ratio | 6.3951% | 7,692 |
| Memoranda: | ||
| Average total assets | $89,909,670 | 5,394 |
| Average earning assets | $80,528,000 | 5,416 |
| Average equity | $4,169,330 | 7,053 |
| Average total loans | $62,100,670 | 5,101 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9966% | 5,036 |
| Cost of funding earning assets | 2.0728% | 880 |
| Net interest margin | 2.9237% | 6,980 |
| Noninterest income to average assets | 0.0890% | 7,263 |
| Noninterest expense to average assets | 2.8782% | 4,144 |
| Loan and lease loss provision to assets | 10.2493% | 25 |
| Net operating income to assets | -10.4094% | 7,902 |
| Return on assets (ROA) | -10.4094% | 7,901 |
| Pretax return on assets | -10.4094% | 7,897 |
| Return on Equity (ROE) | -195.3459% | 7,886 |
| Retained earnings to average equity (ytd only) | -195.3459% | 7,885 |
| Net charge-offs to loans | 10.7031% | 45 |
| Credit loss provision to net charge-offs | 132.4899% | 2,665 |
| Earnings coverage of net charge-offs (x) | -0.0207% | 5,041 |
| Efficiency ratio | 105.8920% | 679 |
| Assets per employee ($millions) | 3.9938% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3049% | 632 |
| Loan loss allowance to noncurrent loans | 17.3693% | 7,133 |
| Noncurrent assets plus other real estate owned to assets | 17.3661% | 96 |
| Noncurrent loans to loans | 19.0271% | 94 |
| Net loans and leases to total assets | 65.6150% | 3,953 |
| Net loans and leases to deposits | 68.4108% | 5,541 |
| Net loans and leases to core deposits | 81.8757% | 4,506 |
| Total domestic deposits to total assets | 95.9132% | 31 |
| Equity capital to assets | 3.9442% | 7,798 |
| Core capital (leverage) ratio | 3.9442% | 7,783 |
| Tier 1 risk-based capital ratio | 6.1159% | 7,744 |
| Total risk-based capital ratio | 7.3938% | 7,746 |
| Memoranda: | ||
| Average total assets | $89,918,500 | 5,457 |
| Average earning assets | $80,855,500 | 5,476 |
| Average equity | $4,791,500 | 6,916 |
| Average total loans | $64,990,500 | 5,043 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3658% | 897 |
| Cost of funding earning assets | 3.1623% | 143 |
| Net interest margin | 3.2035% | 6,077 |
| Noninterest income to average assets | 0.1682% | 6,876 |
| Noninterest expense to average assets | 2.6490% | 5,599 |
| Loan and lease loss provision to assets | 2.6145% | 750 |
| Net operating income to assets | -2.6524% | 7,310 |
| Return on assets (ROA) | -2.6524% | 7,316 |
| Pretax return on assets | -2.3271% | 7,075 |
| Return on Equity (ROE) | -33.2180% | 7,464 |
| Retained earnings to average equity (ytd only) | -33.2180% | 7,448 |
| Net charge-offs to loans | 2.3580% | 976 |
| Credit loss provision to net charge-offs | 132.7489% | 3,769 |
| Earnings coverage of net charge-offs (x) | 0.1459% | 6,015 |
| Efficiency ratio | 90.2124% | 1,692 |
| Assets per employee ($millions) | 3.8252% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2099% | 1,633 |
| Loan loss allowance to noncurrent loans | 22.0307% | 6,960 |
| Noncurrent assets plus other real estate owned to assets | 12.2244% | 243 |
| Noncurrent loans to loans | 10.0312% | 410 |
| Net loans and leases to total assets | 75.1921% | 1,987 |
| Net loans and leases to deposits | 80.7869% | 3,841 |
| Net loans and leases to core deposits | 124.9934% | 1,575 |
| Total domestic deposits to total assets | 93.0746% | 118 |
| Equity capital to assets | 6.7743% | 7,472 |
| Core capital (leverage) ratio | 6.7743% | 7,379 |
| Tier 1 risk-based capital ratio | 9.2042% | 7,372 |
| Total risk-based capital ratio | 10.4675% | 7,365 |
| Memoranda: | ||
| Average total assets | $89,768,400 | 5,400 |
| Average earning assets | $77,570,400 | 5,539 |
| Average equity | $7,167,800 | 6,215 |
| Average total loans | $74,977,400 | 4,688 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3980% | 928 |
| Cost of funding earning assets | 3.4163% | 96 |
| Net interest margin | 2.9817% | 6,653 |
| Noninterest income to average assets | 0.2926% | 6,135 |
| Noninterest expense to average assets | 2.6765% | 5,428 |
| Loan and lease loss provision to assets | 2.9292% | 512 |
| Net operating income to assets | -3.1893% | 7,630 |
| Return on assets (ROA) | -3.1893% | 7,633 |
| Pretax return on assets | -2.7578% | 7,435 |
| Return on Equity (ROE) | -38.5188% | 7,739 |
| Retained earnings to average equity (ytd only) | -38.5188% | 7,731 |
| Net charge-offs to loans | 2.6298% | 691 |
| Credit loss provision to net charge-offs | 130.8251% | 3,823 |
| Earnings coverage of net charge-offs (x) | 0.0766% | 5,970 |
| Efficiency ratio | 93.9803% | 1,401 |
| Assets per employee ($millions) | 4.0349% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8957% | 2,046 |
| Loan loss allowance to noncurrent loans | 22.8444% | 6,919 |
| Noncurrent assets plus other real estate owned to assets | 8.7530% | 453 |
| Noncurrent loans to loans | 8.2983% | 570 |
| Net loans and leases to total assets | 77.1233% | 1,762 |
| Net loans and leases to deposits | 83.2213% | 3,792 |
| Net loans and leases to core deposits | 129.0935% | 1,495 |
| Total domestic deposits to total assets | 92.6726% | 109 |
| Equity capital to assets | 6.6583% | 7,721 |
| Core capital (leverage) ratio | 6.6583% | 7,607 |
| Tier 1 risk-based capital ratio | 9.3141% | 7,488 |
| Total risk-based capital ratio | 10.5743% | 7,465 |
| Memoranda: | ||
| Average total assets | $90,215,500 | 5,421 |
| Average earning assets | $77,314,250 | 5,586 |
| Average equity | $7,469,750 | 6,168 |
| Average total loans | $76,809,500 | 4,665 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5431% | 746 |
| Cost of funding earning assets | 3.5770% | 81 |
| Net interest margin | 2.9661% | 6,643 |
| Noninterest income to average assets | 0.3402% | 5,786 |
| Noninterest expense to average assets | 2.6793% | 5,457 |
| Loan and lease loss provision to assets | 2.3726% | 667 |
| Net operating income to assets | -2.7352% | 7,616 |
| Return on assets (ROA) | -2.7352% | 7,607 |
| Pretax return on assets | -2.0816% | 7,311 |
| Return on Equity (ROE) | -30.9367% | 7,726 |
| Retained earnings to average equity (ytd only) | -30.9367% | 7,699 |
| Net charge-offs to loans | 2.0027% | 923 |
| Credit loss provision to net charge-offs | 135.5499% | 3,438 |
| Earnings coverage of net charge-offs (x) | 0.1662% | 5,506 |
| Efficiency ratio | 90.2035% | 1,786 |
| Assets per employee ($millions) | 3.8724% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 3,198 |
| Loan loss allowance to noncurrent loans | 24.6694% | 6,863 |
| Noncurrent assets plus other real estate owned to assets | 5.3864% | 940 |
| Noncurrent loans to loans | 6.0816% | 892 |
| Net loans and leases to total assets | 84.3466% | 585 |
| Net loans and leases to deposits | 92.1802% | 2,435 |
| Net loans and leases to core deposits | 149.9598% | 655 |
| Total domestic deposits to total assets | 91.5019% | 322 |
| Equity capital to assets | 7.6524% | 7,131 |
| Core capital (leverage) ratio | 7.6524% | 6,822 |
| Tier 1 risk-based capital ratio | 10.1750% | 6,740 |
| Total risk-based capital ratio | 11.4311% | 6,664 |
| Memoranda: | ||
| Average total assets | $89,353,330 | 5,481 |
| Average earning assets | $79,228,330 | 5,558 |
| Average equity | $7,900,000 | 6,055 |
| Average total loans | $78,094,330 | 4,653 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5321% | 815 |
| Cost of funding earning assets | 3.4496% | 168 |
| Net interest margin | 3.0825% | 6,246 |
| Noninterest income to average assets | 0.3106% | 5,957 |
| Noninterest expense to average assets | 2.5993% | 5,448 |
| Loan and lease loss provision to assets | 0.8771% | 1,498 |
| Net operating income to assets | -0.3243% | 6,709 |
| Return on assets (ROA) | -0.3243% | 6,784 |
| Pretax return on assets | -0.3655% | 6,720 |
| Return on Equity (ROE) | -3.4242% | 6,829 |
| Retained earnings to average equity (ytd only) | -3.4242% | 6,351 |
| Net charge-offs to loans | 0.4602% | 2,294 |
| Credit loss provision to net charge-offs | 215.7303% | 2,093 |
| Earnings coverage of net charge-offs (x) | 1.2584% | 4,112 |
| Efficiency ratio | 83.5536% | 2,349 |
| Assets per employee ($millions) | 3.8104% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 4,419 |
| Loan loss allowance to noncurrent loans | 46.2971% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 2.6780% | 2,130 |
| Noncurrent loans to loans | 2.7027% | 2,429 |
| Net loans and leases to total assets | 87.9355% | 270 |
| Net loans and leases to deposits | 97.0716% | 1,792 |
| Net loans and leases to core deposits | 160.8018% | 480 |
| Total domestic deposits to total assets | 90.5883% | 558 |
| Equity capital to assets | 9.0323% | 5,318 |
| Core capital (leverage) ratio | 9.0163% | 4,683 |
| Tier 1 risk-based capital ratio | 11.2796% | 5,617 |
| Total risk-based capital ratio | 12.5315% | 5,529 |
| Memoranda: | ||
| Average total assets | $87,561,000 | 5,564 |
| Average earning assets | $79,545,500 | 5,562 |
| Average equity | $8,294,000 | 5,958 |
| Average total loans | $77,349,500 | 4,707 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5326% | 390 |
| Cost of funding earning assets | 3.2443% | 1,054 |
| Net interest margin | 4.2883% | 2,021 |
| Noninterest income to average assets | 0.3612% | 5,828 |
| Noninterest expense to average assets | 2.7401% | 5,090 |
| Loan and lease loss provision to assets | 0.7239% | 2,039 |
| Net operating income to assets | 0.5849% | 4,369 |
| Return on assets (ROA) | 0.5849% | 4,238 |
| Pretax return on assets | 0.9446% | 3,570 |
| Return on Equity (ROE) | 4.7718% | 4,485 |
| Retained earnings to average equity (ytd only) | 4.7718% | 2,168 |
| Net charge-offs to loans | 0.2139% | 4,071 |
| Credit loss provision to net charge-offs | 392.6230% | 1,124 |
| Earnings coverage of net charge-offs (x) | 9.0492% | 2,762 |
| Efficiency ratio | 62.1529% | 5,927 |
| Assets per employee ($millions) | 3.8033% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 4,136 |
| Loan loss allowance to noncurrent loans | 78.4247% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.4652% | 3,291 |
| Noncurrent loans to loans | 1.5943% | 3,381 |
| Net loans and leases to total assets | 86.4650% | 544 |
| Net loans and leases to deposits | 96.7077% | 2,333 |
| Net loans and leases to core deposits | 166.4833% | 467 |
| Total domestic deposits to total assets | 89.4086% | 878 |
| Equity capital to assets | 9.9532% | 4,097 |
| Core capital (leverage) ratio | 9.9532% | 3,490 |
| Tier 1 risk-based capital ratio | 12.6806% | 4,303 |
| Total risk-based capital ratio | 13.9322% | 4,219 |
| Memoranda: | ||
| Average total assets | $66,164,800 | 6,156 |
| Average earning assets | $62,448,600 | 6,075 |
| Average equity | $8,110,200 | 6,041 |
| Average total loans | $57,030,800 | 5,407 |