Home > Atlantic Southern Bank > Performance and Condition Ratios
Atlantic Southern Bank, 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 | 4.4116% | 5,652 |
| Cost of funding earning assets | 2.1994% | 88 |
| Net interest margin | 2.2122% | 7,350 |
| Noninterest income to average assets | -0.2055% | 7,435 |
| Noninterest expense to average assets | 2.8154% | 4,382 |
| Loan and lease loss provision to assets | 0.1426% | 4,227 |
| Net operating income to assets | -1.3332% | 7,145 |
| Return on assets (ROA) | -1.3332% | 7,150 |
| Pretax return on assets | -1.3332% | 7,107 |
| Return on Equity (ROE) | -93.7506% | 7,492 |
| Retained earnings to average equity (ytd only) | -93.7506% | 7,487 |
| Net charge-offs to loans | 3.7697% | 256 |
| Credit loss provision to net charge-offs | 5.1127% | 4,427 |
| Earnings coverage of net charge-offs (x) | -0.4268% | 4,771 |
| Efficiency ratio | 170.3186% | 93 |
| Assets per employee ($millions) | 5.1162% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1684% | 788 |
| Loan loss allowance to noncurrent loans | 15.7298% | 6,897 |
| Noncurrent assets plus other real estate owned to assets | 24.7306% | 28 |
| Noncurrent loans to loans | 20.1423% | 67 |
| Net loans and leases to total assets | 71.0152% | 1,918 |
| Net loans and leases to deposits | 74.4486% | 3,689 |
| Net loans and leases to core deposits | 91.0735% | 2,232 |
| Total domestic deposits to total assets | 95.3883% | 49 |
| Equity capital to assets | 1.2920% | 7,552 |
| Core capital (leverage) ratio | 0.9883% | 7,557 |
| Tier 1 risk-based capital ratio | 1.2076% | 7,560 |
| Total risk-based capital ratio | 2.4153% | 7,560 |
| Memoranda: | ||
| Average total assets | $757,255,000 | 889 |
| Average earning assets | $626,531,500 | 967 |
| Average equity | $10,769,000 | 4,854 |
| Average total loans | $560,356,000 | 782 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5050% | 6,393 |
| Cost of funding earning assets | 2.4747% | 120 |
| Net interest margin | 2.0303% | 7,448 |
| Noninterest income to average assets | -0.5184% | 7,566 |
| Noninterest expense to average assets | 2.6274% | 5,306 |
| Loan and lease loss provision to assets | 1.6391% | 878 |
| Net operating income to assets | -3.0350% | 7,302 |
| Return on assets (ROA) | -2.9607% | 7,306 |
| Pretax return on assets | -2.9436% | 7,281 |
| Return on Equity (ROE) | -86.3448% | 7,569 |
| Retained earnings to average equity (ytd only) | -86.3448% | 7,568 |
| Net charge-offs to loans | 2.1032% | 943 |
| Credit loss provision to net charge-offs | 105.6024% | 4,243 |
| Earnings coverage of net charge-offs (x) | -0.8883% | 6,576 |
| Efficiency ratio | 207.1545% | 84 |
| Assets per employee ($millions) | 5.1856% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8584% | 447 |
| Loan loss allowance to noncurrent loans | 19.2849% | 6,840 |
| Noncurrent assets plus other real estate owned to assets | 24.3580% | 33 |
| Noncurrent loans to loans | 20.0071% | 69 |
| Net loans and leases to total assets | 71.7519% | 2,151 |
| Net loans and leases to deposits | 76.3172% | 3,790 |
| Net loans and leases to core deposits | 94.5510% | 2,191 |
| Total domestic deposits to total assets | 94.0180% | 90 |
| Equity capital to assets | 1.5470% | 7,622 |
| Core capital (leverage) ratio | 1.2432% | 7,626 |
| Tier 1 risk-based capital ratio | 1.5345% | 7,630 |
| Total risk-based capital ratio | 3.0273% | 7,627 |
| Memoranda: | ||
| Average total assets | $885,465,800 | 762 |
| Average earning assets | $770,613,000 | 792 |
| Average equity | $30,362,000 | 2,149 |
| Average total loans | $653,472,200 | 672 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5371% | 6,506 |
| Cost of funding earning assets | 2.4915% | 142 |
| Net interest margin | 2.0456% | 7,564 |
| Noninterest income to average assets | 0.1035% | 7,030 |
| Noninterest expense to average assets | 2.4952% | 5,729 |
| Loan and lease loss provision to assets | 0.8046% | 1,888 |
| Net operating income to assets | -1.3987% | 7,075 |
| Return on assets (ROA) | -1.3112% | 7,062 |
| Pretax return on assets | -1.3112% | 6,982 |
| Return on Equity (ROE) | -34.2627% | 7,447 |
| Retained earnings to average equity (ytd only) | -34.2627% | 7,443 |
| Net charge-offs to loans | 1.6530% | 1,199 |
| Credit loss provision to net charge-offs | 66.1151% | 5,531 |
| Earnings coverage of net charge-offs (x) | -0.4881% | 6,316 |
| Efficiency ratio | 129.1603% | 301 |
| Assets per employee ($millions) | 5.3962% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0679% | 776 |
| Loan loss allowance to noncurrent loans | 21.0621% | 6,858 |
| Noncurrent assets plus other real estate owned to assets | 17.6138% | 94 |
| Noncurrent loans to loans | 14.5659% | 174 |
| Net loans and leases to total assets | 69.1250% | 2,951 |
| Net loans and leases to deposits | 74.8823% | 4,365 |
| Net loans and leases to core deposits | 98.5670% | 1,988 |
| Total domestic deposits to total assets | 92.3116% | 147 |
| Equity capital to assets | 3.4936% | 7,665 |
| Core capital (leverage) ratio | 3.1450% | 7,668 |
| Tier 1 risk-based capital ratio | 4.0171% | 7,687 |
| Total risk-based capital ratio | 5.4936% | 7,685 |
| Memoranda: | ||
| Average total assets | $913,668,500 | 737 |
| Average earning assets | $802,922,250 | 759 |
| Average equity | $34,964,250 | 1,917 |
| Average total loans | $672,679,250 | 651 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5239% | 6,654 |
| Cost of funding earning assets | 2.5161% | 165 |
| Net interest margin | 2.0079% | 7,643 |
| Noninterest income to average assets | 0.2644% | 6,025 |
| Noninterest expense to average assets | 2.5019% | 5,714 |
| Loan and lease loss provision to assets | 0.7143% | 2,037 |
| Net operating income to assets | -1.1717% | 7,017 |
| Return on assets (ROA) | -1.1625% | 7,033 |
| Pretax return on assets | -1.1625% | 6,961 |
| Return on Equity (ROE) | -29.5936% | 7,431 |
| Retained earnings to average equity (ytd only) | -29.5936% | 7,415 |
| Net charge-offs to loans | 1.5822% | 1,196 |
| Credit loss provision to net charge-offs | 60.7429% | 5,191 |
| Earnings coverage of net charge-offs (x) | -0.3889% | 5,976 |
| Efficiency ratio | 120.4755% | 412 |
| Assets per employee ($millions) | 5.6632% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9047% | 908 |
| Loan loss allowance to noncurrent loans | 17.8382% | 7,034 |
| Noncurrent assets plus other real estate owned to assets | 16.4564% | 107 |
| Noncurrent loans to loans | 16.2836% | 142 |
| Net loans and leases to total assets | 70.8415% | 2,702 |
| Net loans and leases to deposits | 77.2744% | 4,118 |
| Net loans and leases to core deposits | 106.9228% | 1,374 |
| Total domestic deposits to total assets | 91.6752% | 298 |
| Equity capital to assets | 3.6951% | 7,711 |
| Core capital (leverage) ratio | 3.2709% | 7,723 |
| Tier 1 risk-based capital ratio | 4.3640% | 7,732 |
| Total risk-based capital ratio | 5.8328% | 7,727 |
| Memoranda: | ||
| Average total assets | $934,027,000 | 712 |
| Average earning assets | $828,038,000 | 728 |
| Average equity | $36,690,330 | 1,813 |
| Average total loans | $694,236,330 | 634 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6281% | 6,474 |
| Cost of funding earning assets | 2.5135% | 220 |
| Net interest margin | 2.1146% | 7,686 |
| Noninterest income to average assets | 0.3051% | 5,700 |
| Noninterest expense to average assets | 2.2972% | 6,385 |
| Loan and lease loss provision to assets | 0.5510% | 2,298 |
| Net operating income to assets | -0.6517% | 6,931 |
| Return on assets (ROA) | -0.6517% | 6,961 |
| Pretax return on assets | -0.6517% | 6,871 |
| Return on Equity (ROE) | -16.1299% | 7,343 |
| Retained earnings to average equity (ytd only) | -16.1299% | 7,251 |
| Net charge-offs to loans | 0.9211% | 1,743 |
| Credit loss provision to net charge-offs | 79.7794% | 3,879 |
| Earnings coverage of net charge-offs (x) | -0.1458% | 5,132 |
| Efficiency ratio | 102.8324% | 757 |
| Assets per employee ($millions) | 5.8865% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0296% | 798 |
| Loan loss allowance to noncurrent loans | 19.5430% | 7,038 |
| Noncurrent assets plus other real estate owned to assets | 14.4150% | 150 |
| Noncurrent loans to loans | 15.5023% | 163 |
| Net loans and leases to total assets | 71.8736% | 2,485 |
| Net loans and leases to deposits | 78.5186% | 3,941 |
| Net loans and leases to core deposits | 110.5885% | 1,237 |
| Total domestic deposits to total assets | 91.5370% | 363 |
| Equity capital to assets | 3.9772% | 7,796 |
| Core capital (leverage) ratio | 3.6534% | 7,806 |
| Tier 1 risk-based capital ratio | 4.6988% | 7,817 |
| Total risk-based capital ratio | 6.1616% | 7,807 |
| Memoranda: | ||
| Average total assets | $945,155,000 | 721 |
| Average earning assets | $845,362,500 | 729 |
| Average equity | $38,190,000 | 1,759 |
| Average total loans | $708,737,000 | 641 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8905% | 6,729 |
| Cost of funding earning assets | 3.0366% | 205 |
| Net interest margin | 1.8539% | 7,793 |
| Noninterest income to average assets | 0.0629% | 7,442 |
| Noninterest expense to average assets | 4.1172% | 1,203 |
| Loan and lease loss provision to assets | 4.1681% | 302 |
| Net operating income to assets | -5.7681% | 7,821 |
| Return on assets (ROA) | -5.6563% | 7,805 |
| Pretax return on assets | -6.4391% | 7,834 |
| Return on Equity (ROE) | -77.8865% | 7,852 |
| Retained earnings to average equity (ytd only) | -77.8865% | 7,849 |
| Net charge-offs to loans | 4.3108% | 351 |
| Credit loss provision to net charge-offs | 129.4337% | 3,961 |
| Earnings coverage of net charge-offs (x) | -0.7447% | 6,826 |
| Efficiency ratio | 127.6382% | 499 |
| Assets per employee ($millions) | 5.8548% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9857% | 784 |
| Loan loss allowance to noncurrent loans | 18.5261% | 7,125 |
| Noncurrent assets plus other real estate owned to assets | 14.4447% | 152 |
| Noncurrent loans to loans | 16.1162% | 143 |
| Net loans and leases to total assets | 73.5829% | 2,366 |
| Net loans and leases to deposits | 80.9605% | 3,805 |
| Net loans and leases to core deposits | 105.1058% | 3,443 |
| Total domestic deposits to total assets | 90.8874% | 578 |
| Equity capital to assets | 4.1035% | 7,850 |
| Core capital (leverage) ratio | 3.3726% | 7,888 |
| Tier 1 risk-based capital ratio | 4.7348% | 7,887 |
| Total risk-based capital ratio | 6.1897% | 7,879 |
| Memoranda: | ||
| Average total assets | $1,034,659,600 | 649 |
| Average earning assets | $924,323,400 | 660 |
| Average equity | $75,138,800 | 855 |
| Average total loans | $772,924,400 | 594 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0237% | 6,537 |
| Cost of funding earning assets | 3.0180% | 315 |
| Net interest margin | 2.0057% | 7,806 |
| Noninterest income to average assets | 0.1334% | 7,211 |
| Noninterest expense to average assets | 4.6382% | 643 |
| Loan and lease loss provision to assets | 2.1990% | 789 |
| Net operating income to assets | -4.0572% | 7,759 |
| Return on assets (ROA) | -3.9177% | 7,739 |
| Pretax return on assets | -4.7468% | 7,781 |
| Return on Equity (ROE) | -49.1476% | 7,825 |
| Retained earnings to average equity (ytd only) | -49.1476% | 7,822 |
| Net charge-offs to loans | 2.4568% | 748 |
| Credit loss provision to net charge-offs | 120.2291% | 4,218 |
| Earnings coverage of net charge-offs (x) | -1.4849% | 6,699 |
| Efficiency ratio | 111.2154% | 746 |
| Assets per employee ($millions) | 6.5652% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9162% | 1,987 |
| Loan loss allowance to noncurrent loans | 20.8910% | 7,046 |
| Noncurrent assets plus other real estate owned to assets | 7.9091% | 549 |
| Noncurrent loans to loans | 9.1725% | 479 |
| Net loans and leases to total assets | 69.0019% | 3,708 |
| Net loans and leases to deposits | 78.0120% | 4,737 |
| Net loans and leases to core deposits | 97.5830% | 4,654 |
| Total domestic deposits to total assets | 88.4503% | 1,456 |
| Equity capital to assets | 6.1339% | 7,830 |
| Core capital (leverage) ratio | 5.6856% | 7,849 |
| Tier 1 risk-based capital ratio | 7.9088% | 7,806 |
| Total risk-based capital ratio | 9.3413% | 7,797 |
| Memoranda: | ||
| Average total assets | $1,056,205,250 | 646 |
| Average earning assets | $942,089,750 | 656 |
| Average equity | $84,193,250 | 772 |
| Average total loans | $786,306,500 | 598 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2356% | 5,937 |
| Cost of funding earning assets | 3.0603% | 399 |
| Net interest margin | 2.1753% | 7,767 |
| Noninterest income to average assets | 0.0858% | 7,546 |
| Noninterest expense to average assets | 5.8792% | 331 |
| Loan and lease loss provision to assets | 1.1589% | 1,487 |
| Net operating income to assets | -4.5842% | 7,902 |
| Return on assets (ROA) | -4.3555% | 7,873 |
| Pretax return on assets | -4.7772% | 7,835 |
| Return on Equity (ROE) | -50.6165% | 7,917 |
| Retained earnings to average equity (ytd only) | -50.6165% | 7,913 |
| Net charge-offs to loans | 0.7122% | 2,276 |
| Credit loss provision to net charge-offs | 214.4928% | 2,145 |
| Earnings coverage of net charge-offs (x) | -7.1619% | 6,493 |
| Efficiency ratio | 105.1891% | 992 |
| Assets per employee ($millions) | 6.5994% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8775% | 1,848 |
| Loan loss allowance to noncurrent loans | 23.2089% | 6,955 |
| Noncurrent assets plus other real estate owned to assets | 6.5161% | 698 |
| Noncurrent loans to loans | 8.0895% | 548 |
| Net loans and leases to total assets | 70.7098% | 3,532 |
| Net loans and leases to deposits | 80.6848% | 4,441 |
| Net loans and leases to core deposits | 99.5624% | 4,549 |
| Total domestic deposits to total assets | 87.6371% | 1,954 |
| Equity capital to assets | 6.6953% | 7,755 |
| Core capital (leverage) ratio | 6.5598% | 7,765 |
| Tier 1 risk-based capital ratio | 8.6874% | 7,817 |
| Total risk-based capital ratio | 10.1151% | 7,799 |
| Memoranda: | ||
| Average total assets | $1,047,187,330 | 665 |
| Average earning assets | $926,120,670 | 681 |
| Average equity | $90,109,000 | 729 |
| Average total loans | $794,384,670 | 614 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7098% | 3,753 |
| Cost of funding earning assets | 3.2081% | 334 |
| Net interest margin | 2.5017% | 7,501 |
| Noninterest income to average assets | 0.3801% | 5,383 |
| Noninterest expense to average assets | 2.0209% | 7,304 |
| Loan and lease loss provision to assets | 0.1373% | 5,205 |
| Net operating income to assets | 0.2736% | 5,397 |
| Return on assets (ROA) | 0.3366% | 5,316 |
| Pretax return on assets | 0.4640% | 5,196 |
| Return on Equity (ROE) | 3.4925% | 5,173 |
| Retained earnings to average equity (ytd only) | 3.4925% | 3,955 |
| Net charge-offs to loans | 0.2663% | 3,067 |
| Credit loss provision to net charge-offs | 66.1626% | 4,414 |
| Earnings coverage of net charge-offs (x) | 2.4820% | 3,501 |
| Efficiency ratio | 78.2831% | 3,119 |
| Assets per employee ($millions) | 6.1031% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 3,253 |
| Loan loss allowance to noncurrent loans | 46.6948% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 3.5002% | 1,540 |
| Noncurrent loans to loans | 3.0968% | 2,090 |
| Net loans and leases to total assets | 74.6172% | 2,594 |
| Net loans and leases to deposits | 87.5186% | 3,376 |
| Net loans and leases to core deposits | 106.2972% | 3,876 |
| Total domestic deposits to total assets | 85.2586% | 3,083 |
| Equity capital to assets | 9.4264% | 4,774 |
| Core capital (leverage) ratio | 7.5870% | 7,044 |
| Tier 1 risk-based capital ratio | 8.8984% | 7,844 |
| Total risk-based capital ratio | 10.3142% | 7,771 |
| Memoranda: | ||
| Average total assets | $1,019,732,500 | 678 |
| Average earning assets | $878,773,000 | 720 |
| Average equity | $98,269,000 | 684 |
| Average total loans | $794,476,000 | 623 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4465% | 3,199 |
| Cost of funding earning assets | 3.5845% | 412 |
| Net interest margin | 2.8620% | 7,232 |
| Noninterest income to average assets | 0.4204% | 5,294 |
| Noninterest expense to average assets | 2.2580% | 6,815 |
| Loan and lease loss provision to assets | 0.7925% | 1,880 |
| Net operating income to assets | 0.0587% | 6,209 |
| Return on assets (ROA) | -0.0146% | 6,252 |
| Pretax return on assets | -0.1591% | 6,333 |
| Return on Equity (ROE) | -0.1398% | 6,251 |
| Retained earnings to average equity (ytd only) | -0.1398% | 5,319 |
| Net charge-offs to loans | 0.6110% | 2,005 |
| Credit loss provision to net charge-offs | 160.0645% | 3,227 |
| Earnings coverage of net charge-offs (x) | 1.5108% | 5,348 |
| Efficiency ratio | 73.8347% | 3,610 |
| Assets per employee ($millions) | 5.5603% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 2,834 |
| Loan loss allowance to noncurrent loans | 55.3097% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 3.1624% | 1,446 |
| Noncurrent loans to loans | 2.6572% | 2,044 |
| Net loans and leases to total assets | 79.0624% | 1,874 |
| Net loans and leases to deposits | 93.4697% | 2,862 |
| Net loans and leases to core deposits | 109.9075% | 3,787 |
| Total domestic deposits to total assets | 84.5862% | 3,034 |
| Equity capital to assets | 9.8599% | 4,211 |
| Core capital (leverage) ratio | 7.7052% | 6,918 |
| Tier 1 risk-based capital ratio | 8.9056% | 7,842 |
| Total risk-based capital ratio | 10.3252% | 7,702 |
| Memoranda: | ||
| Average total assets | $939,180,600 | 707 |
| Average earning assets | $848,490,000 | 711 |
| Average equity | $97,984,400 | 681 |
| Average total loans | $761,059,600 | 630 |