Home > Atlantic Bank and Trust > Performance and Condition Ratios
Atlantic Bank and Trust, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0390% | 7,387 |
| Cost of funding earning assets | 1.1562% | 3,115 |
| Net interest margin | 1.8828% | 7,434 |
| Noninterest income to average assets | 0.3147% | 5,409 |
| Noninterest expense to average assets | 5.1890% | 310 |
| Loan and lease loss provision to assets | 4.6955% | 70 |
| Net operating income to assets | -7.7907% | 7,538 |
| Return on assets (ROA) | -7.7907% | 7,537 |
| Pretax return on assets | -7.7907% | 7,533 |
| Return on Equity (ROE) | -346.2058% | 7,555 |
| Retained earnings to average equity (ytd only) | -346.2058% | 7,555 |
| Net charge-offs to loans | 6.1505% | 107 |
| Credit loss provision to net charge-offs | 108.8272% | 2,451 |
| Earnings coverage of net charge-offs (x) | -0.7174% | 4,853 |
| Efficiency ratio | 247.8224% | 38 |
| Assets per employee ($millions) | 3.2031% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8974% | 2,702 |
| Loan loss allowance to noncurrent loans | 7.0355% | 7,034 |
| Noncurrent assets plus other real estate owned to assets | 20.7839% | 55 |
| Noncurrent loans to loans | 26.9683% | 26 |
| Net loans and leases to total assets | 71.2729% | 1,864 |
| Net loans and leases to deposits | 77.4437% | 3,163 |
| Net loans and leases to core deposits | 79.6583% | 3,803 |
| Total domestic deposits to total assets | 92.0319% | 276 |
| Equity capital to assets | 1.3837% | 7,551 |
| Core capital (leverage) ratio | 1.3711% | 7,549 |
| Tier 1 risk-based capital ratio | 1.9575% | 7,550 |
| Total risk-based capital ratio | 3.2072% | 7,550 |
| Memoranda: | ||
| Average total assets | $223,703,000 | 2,841 |
| Average earning assets | $211,387,000 | 2,764 |
| Average equity | $5,034,000 | 6,547 |
| Average total loans | $156,931,500 | 2,604 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 7,067 |
| Cost of funding earning assets | 1.5357% | 2,438 |
| Net interest margin | 2.5446% | 7,246 |
| Noninterest income to average assets | 0.4073% | 4,849 |
| Noninterest expense to average assets | 5.2536% | 351 |
| Loan and lease loss provision to assets | 5.1487% | 71 |
| Net operating income to assets | -7.5737% | 7,612 |
| Return on assets (ROA) | -6.6273% | 7,596 |
| Pretax return on assets | -6.6273% | 7,599 |
| Return on Equity (ROE) | -110.6858% | 7,605 |
| Retained earnings to average equity (ytd only) | -110.6858% | 7,605 |
| Net charge-offs to loans | 7.1365% | 50 |
| Credit loss provision to net charge-offs | 107.9231% | 4,106 |
| Earnings coverage of net charge-offs (x) | -0.5083% | 6,460 |
| Efficiency ratio | 185.7333% | 108 |
| Assets per employee ($millions) | 3.6243% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6365% | 3,441 |
| Loan loss allowance to noncurrent loans | 5.6644% | 7,123 |
| Noncurrent assets plus other real estate owned to assets | 19.7231% | 69 |
| Noncurrent loans to loans | 28.8918% | 16 |
| Net loans and leases to total assets | 66.8636% | 3,256 |
| Net loans and leases to deposits | 74.7812% | 4,066 |
| Net loans and leases to core deposits | 77.3227% | 4,546 |
| Total domestic deposits to total assets | 89.4123% | 1,433 |
| Equity capital to assets | 3.0046% | 7,562 |
| Core capital (leverage) ratio | 2.9942% | 7,557 |
| Tier 1 risk-based capital ratio | 4.8024% | 7,532 |
| Total risk-based capital ratio | 6.0524% | 7,537 |
| Memoranda: | ||
| Average total assets | $266,143,400 | 2,394 |
| Average earning assets | $253,245,200 | 2,313 |
| Average equity | $15,935,200 | 3,779 |
| Average total loans | $177,915,800 | 2,378 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2924% | 6,974 |
| Cost of funding earning assets | 1.5912% | 2,439 |
| Net interest margin | 2.7011% | 7,230 |
| Noninterest income to average assets | 0.3616% | 5,271 |
| Noninterest expense to average assets | 5.0844% | 355 |
| Loan and lease loss provision to assets | 5.3336% | 73 |
| Net operating income to assets | -7.4869% | 7,723 |
| Return on assets (ROA) | -6.4994% | 7,707 |
| Pretax return on assets | -6.4994% | 7,700 |
| Return on Equity (ROE) | -97.8662% | 7,691 |
| Retained earnings to average equity (ytd only) | -97.8662% | 7,691 |
| Net charge-offs to loans | 7.1351% | 62 |
| Credit loss provision to net charge-offs | 112.2352% | 3,763 |
| Earnings coverage of net charge-offs (x) | -0.4531% | 6,307 |
| Efficiency ratio | 173.4622% | 129 |
| Assets per employee ($millions) | 3.8324% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6660% | 3,269 |
| Loan loss allowance to noncurrent loans | 7.2998% | 7,212 |
| Noncurrent assets plus other real estate owned to assets | 14.6177% | 166 |
| Noncurrent loans to loans | 22.8231% | 49 |
| Net loans and leases to total assets | 62.6594% | 4,396 |
| Net loans and leases to deposits | 73.7934% | 4,551 |
| Net loans and leases to core deposits | 77.9327% | 4,813 |
| Total domestic deposits to total assets | 84.9119% | 3,660 |
| Equity capital to assets | 4.5174% | 7,613 |
| Core capital (leverage) ratio | 4.2843% | 7,607 |
| Tier 1 risk-based capital ratio | 7.1245% | 7,538 |
| Total risk-based capital ratio | 8.3742% | 7,543 |
| Memoranda: | ||
| Average total assets | $272,878,750 | 2,371 |
| Average earning assets | $259,586,750 | 2,294 |
| Average equity | $18,122,250 | 3,450 |
| Average total loans | $181,744,750 | 2,374 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4103% | 6,880 |
| Cost of funding earning assets | 1.6793% | 2,228 |
| Net interest margin | 2.7310% | 7,220 |
| Noninterest income to average assets | 0.4009% | 4,910 |
| Noninterest expense to average assets | 5.2009% | 325 |
| Loan and lease loss provision to assets | 6.5499% | 61 |
| Net operating income to assets | -8.7532% | 7,799 |
| Return on assets (ROA) | -8.7612% | 7,798 |
| Pretax return on assets | -8.7612% | 7,797 |
| Return on Equity (ROE) | -119.4733% | 7,756 |
| Retained earnings to average equity (ytd only) | -119.4733% | 7,756 |
| Net charge-offs to loans | 9.0361% | 44 |
| Credit loss provision to net charge-offs | 107.3203% | 3,797 |
| Earnings coverage of net charge-offs (x) | -0.3610% | 5,958 |
| Efficiency ratio | 173.4987% | 141 |
| Assets per employee ($millions) | 4.1631% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 5,032 |
| Loan loss allowance to noncurrent loans | 7.2422% | 7,292 |
| Noncurrent assets plus other real estate owned to assets | 11.8633% | 279 |
| Noncurrent loans to loans | 17.6721% | 119 |
| Net loans and leases to total assets | 64.7058% | 4,106 |
| Net loans and leases to deposits | 75.7058% | 4,382 |
| Net loans and leases to core deposits | 82.6114% | 4,330 |
| Total domestic deposits to total assets | 85.4701% | 3,385 |
| Equity capital to assets | 5.3278% | 7,609 |
| Core capital (leverage) ratio | 4.7339% | 7,633 |
| Tier 1 risk-based capital ratio | 7.1262% | 7,590 |
| Total risk-based capital ratio | 8.3763% | 7,597 |
| Memoranda: | ||
| Average total assets | $274,414,670 | 2,372 |
| Average earning assets | $260,934,330 | 2,296 |
| Average equity | $20,123,330 | 3,157 |
| Average total loans | $185,344,670 | 2,358 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 6,921 |
| Cost of funding earning assets | 1.7925% | 1,906 |
| Net interest margin | 2.6477% | 7,344 |
| Noninterest income to average assets | 0.4270% | 4,685 |
| Noninterest expense to average assets | 5.1491% | 331 |
| Loan and lease loss provision to assets | 3.6769% | 249 |
| Net operating income to assets | -5.8758% | 7,815 |
| Return on assets (ROA) | -5.8975% | 7,817 |
| Pretax return on assets | -5.8975% | 7,799 |
| Return on Equity (ROE) | -70.9246% | 7,769 |
| Retained earnings to average equity (ytd only) | -70.9246% | 7,762 |
| Net charge-offs to loans | 4.8591% | 252 |
| Credit loss provision to net charge-offs | 110.4348% | 3,122 |
| Earnings coverage of net charge-offs (x) | -0.6604% | 5,330 |
| Efficiency ratio | 174.5339% | 131 |
| Assets per employee ($millions) | 4.6511% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 6,362 |
| Loan loss allowance to noncurrent loans | 10.1049% | 7,331 |
| Noncurrent assets plus other real estate owned to assets | 6.8614% | 795 |
| Noncurrent loans to loans | 10.0919% | 415 |
| Net loans and leases to total assets | 64.8965% | 4,119 |
| Net loans and leases to deposits | 74.1045% | 4,725 |
| Net loans and leases to core deposits | 82.2249% | 4,453 |
| Total domestic deposits to total assets | 87.5743% | 2,316 |
| Equity capital to assets | 7.5529% | 7,030 |
| Core capital (leverage) ratio | 7.2870% | 7,041 |
| Tier 1 risk-based capital ratio | 10.9646% | 6,197 |
| Total risk-based capital ratio | 11.9756% | 6,402 |
| Memoranda: | ||
| Average total assets | $276,322,000 | 2,417 |
| Average earning assets | $263,320,000 | 2,329 |
| Average equity | $22,976,500 | 2,823 |
| Average total loans | $189,335,000 | 2,383 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7665% | 7,013 |
| Cost of funding earning assets | 2.0278% | 2,830 |
| Net interest margin | 2.7387% | 7,156 |
| Noninterest income to average assets | 0.3363% | 5,686 |
| Noninterest expense to average assets | 4.1456% | 1,167 |
| Loan and lease loss provision to assets | 2.1502% | 976 |
| Net operating income to assets | -3.3552% | 7,476 |
| Return on assets (ROA) | -2.9906% | 7,401 |
| Pretax return on assets | -2.9906% | 7,287 |
| Return on Equity (ROE) | -23.5990% | 7,250 |
| Retained earnings to average equity (ytd only) | -23.5990% | 7,224 |
| Net charge-offs to loans | 3.1544% | 650 |
| Credit loss provision to net charge-offs | 85.9353% | 6,131 |
| Earnings coverage of net charge-offs (x) | -0.4816% | 6,678 |
| Efficiency ratio | 140.9763% | 375 |
| Assets per employee ($millions) | 4.4086% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8497% | 6,984 |
| Loan loss allowance to noncurrent loans | 11.2216% | 7,346 |
| Noncurrent assets plus other real estate owned to assets | 5.7161% | 1,009 |
| Noncurrent loans to loans | 7.5723% | 691 |
| Net loans and leases to total assets | 71.0281% | 2,993 |
| Net loans and leases to deposits | 81.7983% | 3,648 |
| Net loans and leases to core deposits | 110.0210% | 2,891 |
| Total domestic deposits to total assets | 86.8332% | 2,592 |
| Equity capital to assets | 9.1192% | 4,956 |
| Core capital (leverage) ratio | 9.1230% | 4,239 |
| Tier 1 risk-based capital ratio | 13.5660% | 3,783 |
| Total risk-based capital ratio | 14.4712% | 3,945 |
| Memoranda: | ||
| Average total assets | $229,883,400 | 2,827 |
| Average earning assets | $218,608,600 | 2,723 |
| Average equity | $29,132,600 | 2,289 |
| Average total loans | $182,350,400 | 2,483 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7509% | 7,205 |
| Cost of funding earning assets | 2.0362% | 3,184 |
| Net interest margin | 2.7147% | 7,191 |
| Noninterest income to average assets | 0.3077% | 6,021 |
| Noninterest expense to average assets | 3.7154% | 1,780 |
| Loan and lease loss provision to assets | 0.8898% | 2,163 |
| Net operating income to assets | -1.7142% | 7,199 |
| Return on assets (ROA) | -1.2066% | 6,972 |
| Pretax return on assets | -1.2066% | 6,821 |
| Return on Equity (ROE) | -8.7699% | 6,796 |
| Retained earnings to average equity (ytd only) | -8.7699% | 6,682 |
| Net charge-offs to loans | 1.4381% | 1,438 |
| Credit loss provision to net charge-offs | 75.7607% | 5,870 |
| Earnings coverage of net charge-offs (x) | -0.7019% | 6,562 |
| Efficiency ratio | 128.5146% | 489 |
| Assets per employee ($millions) | 4.8319% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7634% | 7,220 |
| Loan loss allowance to noncurrent loans | 27.3789% | 6,636 |
| Noncurrent assets plus other real estate owned to assets | 2.5008% | 2,771 |
| Noncurrent loans to loans | 2.7884% | 2,726 |
| Net loans and leases to total assets | 71.0710% | 3,256 |
| Net loans and leases to deposits | 81.5655% | 4,103 |
| Net loans and leases to core deposits | 110.9151% | 3,133 |
| Total domestic deposits to total assets | 87.1336% | 2,112 |
| Equity capital to assets | 11.0854% | 2,938 |
| Core capital (leverage) ratio | 11.0363% | 2,381 |
| Tier 1 risk-based capital ratio | 16.7134% | 2,356 |
| Total risk-based capital ratio | 17.5422% | 2,455 |
| Memoranda: | ||
| Average total assets | $220,122,750 | 2,957 |
| Average earning assets | $209,472,750 | 2,863 |
| Average equity | $30,284,750 | 2,235 |
| Average total loans | $179,775,500 | 2,545 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8247% | 7,182 |
| Cost of funding earning assets | 2.0305% | 3,623 |
| Net interest margin | 2.7942% | 7,023 |
| Noninterest income to average assets | 0.2899% | 6,200 |
| Noninterest expense to average assets | 3.9295% | 1,432 |
| Loan and lease loss provision to assets | 1.0824% | 1,583 |
| Net operating income to assets | -2.0653% | 7,445 |
| Return on assets (ROA) | -1.2474% | 7,146 |
| Pretax return on assets | -1.2474% | 6,967 |
| Return on Equity (ROE) | -8.3640% | 6,922 |
| Retained earnings to average equity (ytd only) | -8.3640% | 6,710 |
| Net charge-offs to loans | 1.7996% | 1,048 |
| Credit loss provision to net charge-offs | 69.9243% | 5,418 |
| Earnings coverage of net charge-offs (x) | -0.6349% | 6,132 |
| Efficiency ratio | 133.3554% | 492 |
| Assets per employee ($millions) | 4.1156% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7677% | 7,259 |
| Loan loss allowance to noncurrent loans | 44.0818% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 1.4481% | 4,074 |
| Noncurrent loans to loans | 1.7415% | 3,896 |
| Net loans and leases to total assets | 82.5184% | 863 |
| Net loans and leases to deposits | 98.1901% | 1,492 |
| Net loans and leases to core deposits | 113.0583% | 3,013 |
| Total domestic deposits to total assets | 84.0394% | 3,744 |
| Equity capital to assets | 13.1539% | 1,637 |
| Core capital (leverage) ratio | 13.2088% | 1,368 |
| Tier 1 risk-based capital ratio | 17.9999% | 2,024 |
| Total risk-based capital ratio | 18.8693% | 2,063 |
| Memoranda: | ||
| Average total assets | $204,912,330 | 3,168 |
| Average earning assets | $194,831,000 | 3,077 |
| Average equity | $30,559,670 | 2,226 |
| Average total loans | $176,258,330 | 2,621 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6103% | 7,612 |
| Cost of funding earning assets | 1.9426% | 4,413 |
| Net interest margin | 2.6676% | 7,271 |
| Noninterest income to average assets | 0.2575% | 6,388 |
| Noninterest expense to average assets | 4.1259% | 1,033 |
| Loan and lease loss provision to assets | 1.6190% | 771 |
| Net operating income to assets | -2.9559% | 7,839 |
| Return on assets (ROA) | -2.1237% | 7,690 |
| Pretax return on assets | -2.1237% | 7,564 |
| Return on Equity (ROE) | -13.3239% | 7,537 |
| Retained earnings to average equity (ytd only) | -13.3239% | 7,347 |
| Net charge-offs to loans | 3.0469% | 417 |
| Credit loss provision to net charge-offs | 60.6014% | 4,507 |
| Earnings coverage of net charge-offs (x) | -0.5004% | 5,250 |
| Efficiency ratio | 147.9321% | 365 |
| Assets per employee ($millions) | 4.1281% | 3,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7834% | 7,217 |
| Loan loss allowance to noncurrent loans | 66.3385% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 1.0334% | 4,624 |
| Noncurrent loans to loans | 1.1808% | 4,613 |
| Net loans and leases to total assets | 86.8275% | 350 |
| Net loans and leases to deposits | 112.5331% | 498 |
| Net loans and leases to core deposits | 119.6566% | 2,446 |
| Total domestic deposits to total assets | 77.1573% | 6,237 |
| Equity capital to assets | 14.7083% | 1,181 |
| Core capital (leverage) ratio | 14.6035% | 1,054 |
| Tier 1 risk-based capital ratio | 18.8775% | 1,842 |
| Total risk-based capital ratio | 19.7656% | 1,889 |
| Memoranda: | ||
| Average total assets | $194,189,500 | 3,306 |
| Average earning assets | $184,284,500 | 3,235 |
| Average equity | $30,952,000 | 2,192 |
| Average total loans | $170,271,500 | 2,695 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6845% | 6,823 |
| Cost of funding earning assets | 2.5955% | 3,709 |
| Net interest margin | 3.0890% | 6,683 |
| Noninterest income to average assets | 0.4721% | 4,862 |
| Noninterest expense to average assets | 4.6224% | 800 |
| Loan and lease loss provision to assets | 0.8950% | 1,669 |
| Net operating income to assets | -2.1316% | 7,636 |
| Return on assets (ROA) | -2.1316% | 7,595 |
| Pretax return on assets | -2.1316% | 7,481 |
| Return on Equity (ROE) | -8.9135% | 7,188 |
| Retained earnings to average equity (ytd only) | -8.9135% | 6,960 |
| Net charge-offs to loans | 0.0234% | 6,520 |
| Credit loss provision to net charge-offs | 4,696.1538% | 106 |
| Earnings coverage of net charge-offs (x) | -64.8846% | 6,998 |
| Efficiency ratio | 136.5231% | 423 |
| Assets per employee ($millions) | 3.6394% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 4,457 |
| Loan loss allowance to noncurrent loans | 215.4788% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 5,722 |
| Noncurrent loans to loans | 0.5616% | 5,682 |
| Net loans and leases to total assets | 86.8128% | 493 |
| Net loans and leases to deposits | 135.1010% | 147 |
| Net loans and leases to core deposits | 138.1118% | 1,365 |
| Total domestic deposits to total assets | 64.2577% | 7,773 |
| Equity capital to assets | 17.3351% | 738 |
| Core capital (leverage) ratio | 17.1250% | 684 |
| Tier 1 risk-based capital ratio | 22.4106% | 1,260 |
| Total risk-based capital ratio | 23.6592% | 1,232 |
| Memoranda: | ||
| Average total assets | $136,422,800 | 4,151 |
| Average earning assets | $128,684,200 | 4,067 |
| Average equity | $32,624,600 | 2,075 |
| Average total loans | $111,071,600 | 3,655 |