Home > Premier Bank > Performance and Condition Ratios
Premier Bank, Performance and Condition Ratios
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0767% | 7,016 |
| Cost of funding earning assets | 0.2559% | 6,994 |
| Net interest margin | 2.8207% | 6,604 |
| Noninterest income to average assets | 0.6045% | 3,204 |
| Noninterest expense to average assets | 3.1453% | 2,775 |
| Loan and lease loss provision to assets | -0.5267% | 7,263 |
| Net operating income to assets | 0.6396% | 4,176 |
| Return on assets (ROA) | 0.6396% | 4,388 |
| Pretax return on assets | 0.6396% | 4,973 |
| Return on Equity (ROE) | 5.7720% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.7720% | 3,098 |
| Net charge-offs to loans | -1.8954% | 7,250 |
| Credit loss provision to net charge-offs | 103.9604% | 2,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5358% | 694 |
| Assets per employee ($millions) | 4.8586% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4288% | 565 |
| Loan loss allowance to noncurrent loans | 227.1647% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 5,965 |
| Noncurrent loans to loans | 1.5094% | 3,856 |
| Net loans and leases to total assets | 23.5033% | 7,091 |
| Net loans and leases to deposits | 27.7162% | 7,095 |
| Net loans and leases to core deposits | 27.9937% | 7,104 |
| Total domestic deposits to total assets | 84.8000% | 4,124 |
| Equity capital to assets | 11.2452% | 2,681 |
| Core capital (leverage) ratio | 10.0105% | 3,358 |
| Tier 1 risk-based capital ratio | 24.2285% | 984 |
| Total risk-based capital ratio | 25.4886% | 969 |
| Memoranda: | ||
| Average total assets | $159,474,000 | 3,697 |
| Average earning assets | $150,033,000 | 3,619 |
| Average equity | $17,671,500 | 3,548 |
| Average total loans | $42,629,000 | 5,524 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2657% | 7,101 |
| Cost of funding earning assets | 0.3434% | 7,028 |
| Net interest margin | 2.9223% | 6,656 |
| Noninterest income to average assets | 0.4066% | 4,565 |
| Noninterest expense to average assets | 4.8055% | 454 |
| Loan and lease loss provision to assets | 0.0799% | 5,617 |
| Net operating income to assets | -1.7381% | 6,970 |
| Return on assets (ROA) | -1.5307% | 6,938 |
| Pretax return on assets | -1.5307% | 6,906 |
| Return on Equity (ROE) | -13.3333% | 6,846 |
| Retained earnings to average equity (ytd only) | -18.4516% | 6,946 |
| Net charge-offs to loans | 1.3721% | 1,198 |
| Credit loss provision to net charge-offs | 15.8693% | 5,960 |
| Earnings coverage of net charge-offs (x) | -3.2929% | 6,332 |
| Efficiency ratio | 152.6886% | 135 |
| Assets per employee ($millions) | 4.1740% | 3,503 |
| Cash dividends to net income (ytd only)* | -38.3877% | 7,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9112% | 882 |
| Loan loss allowance to noncurrent loans | 1,294.2308% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 6,791 |
| Noncurrent loans to loans | 0.2249% | 6,289 |
| Net loans and leases to total assets | 28.3016% | 7,053 |
| Net loans and leases to deposits | 34.6336% | 7,032 |
| Net loans and leases to core deposits | 34.9970% | 7,059 |
| Total domestic deposits to total assets | 81.7171% | 5,224 |
| Equity capital to assets | 10.9152% | 3,063 |
| Core capital (leverage) ratio | 9.6014% | 3,866 |
| Tier 1 risk-based capital ratio | 24.7306% | 897 |
| Total risk-based capital ratio | 25.9919% | 888 |
| Memoranda: | ||
| Average total assets | $170,181,000 | 3,486 |
| Average earning assets | $159,600,600 | 3,415 |
| Average equity | $19,537,600 | 3,207 |
| Average total loans | $62,458,800 | 4,778 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3673% | 7,155 |
| Cost of funding earning assets | 0.3638% | 7,101 |
| Net interest margin | 3.0035% | 6,576 |
| Noninterest income to average assets | 0.3675% | 4,932 |
| Noninterest expense to average assets | 3.2710% | 2,594 |
| Loan and lease loss provision to assets | 0.0924% | 5,308 |
| Net operating income to assets | -0.1787% | 6,362 |
| Return on assets (ROA) | -0.1425% | 6,406 |
| Pretax return on assets | -0.1425% | 6,368 |
| Return on Equity (ROE) | -1.2275% | 6,403 |
| Retained earnings to average equity (ytd only) | -7.8629% | 6,759 |
| Net charge-offs to loans | 1.6978% | 815 |
| Credit loss provision to net charge-offs | 14.1677% | 5,631 |
| Earnings coverage of net charge-offs (x) | -0.1322% | 5,682 |
| Efficiency ratio | 102.7092% | 589 |
| Assets per employee ($millions) | 4.2181% | 3,411 |
| Cash dividends to net income (ytd only)* | -540.5416% | 7,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7935% | 1,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 6,827 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 27.6361% | 7,161 |
| Net loans and leases to deposits | 33.4301% | 7,146 |
| Net loans and leases to core deposits | 33.7556% | 7,171 |
| Total domestic deposits to total assets | 82.6682% | 4,815 |
| Equity capital to assets | 11.8536% | 2,374 |
| Core capital (leverage) ratio | 10.7168% | 2,647 |
| Tier 1 risk-based capital ratio | 25.1414% | 901 |
| Total risk-based capital ratio | 26.3993% | 892 |
| Memoranda: | ||
| Average total assets | $173,073,000 | 3,463 |
| Average earning assets | $162,339,750 | 3,379 |
| Average equity | $20,093,750 | 3,128 |
| Average total loans | $66,514,500 | 4,648 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5157% | 7,153 |
| Cost of funding earning assets | 0.3837% | 7,166 |
| Net interest margin | 3.1320% | 6,332 |
| Noninterest income to average assets | 0.2281% | 6,029 |
| Noninterest expense to average assets | 3.2752% | 2,650 |
| Loan and lease loss provision to assets | 0.5145% | 1,903 |
| Net operating income to assets | -0.6246% | 6,775 |
| Return on assets (ROA) | -0.5730% | 6,762 |
| Pretax return on assets | -0.5730% | 6,700 |
| Return on Equity (ROE) | -4.9689% | 6,714 |
| Retained earnings to average equity (ytd only) | -14.9068% | 7,035 |
| Net charge-offs to loans | 2.6081% | 433 |
| Credit loss provision to net charge-offs | 47.3629% | 4,652 |
| Earnings coverage of net charge-offs (x) | -0.1013% | 5,349 |
| Efficiency ratio | 103.4757% | 625 |
| Assets per employee ($millions) | 4.1246% | 3,498 |
| Cash dividends to net income (ytd only)* | -200.0000% | 7,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5455% | 1,381 |
| Loan loss allowance to noncurrent loans | 81.5393% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.5310% | 3,907 |
| Noncurrent loans to loans | 3.1218% | 2,309 |
| Net loans and leases to total assets | 35.4982% | 6,986 |
| Net loans and leases to deposits | 43.3052% | 6,941 |
| Net loans and leases to core deposits | 43.8923% | 7,009 |
| Total domestic deposits to total assets | 81.9721% | 5,179 |
| Equity capital to assets | 11.2081% | 2,762 |
| Core capital (leverage) ratio | 10.3058% | 2,931 |
| Tier 1 risk-based capital ratio | 21.1943% | 1,382 |
| Total risk-based capital ratio | 22.4517% | 1,361 |
| Memoranda: | ||
| Average total assets | $174,522,330 | 3,454 |
| Average earning assets | $163,666,330 | 3,376 |
| Average equity | $20,125,000 | 3,112 |
| Average total loans | $72,696,330 | 4,481 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6548% | 7,104 |
| Cost of funding earning assets | 0.4093% | 7,204 |
| Net interest margin | 3.2455% | 5,932 |
| Noninterest income to average assets | 0.5981% | 3,178 |
| Noninterest expense to average assets | 3.2162% | 2,838 |
| Loan and lease loss provision to assets | 1.0066% | 760 |
| Net operating income to assets | -0.6162% | 6,876 |
| Return on assets (ROA) | -0.6162% | 6,880 |
| Pretax return on assets | -0.5823% | 6,808 |
| Return on Equity (ROE) | -5.2727% | 6,824 |
| Retained earnings to average equity (ytd only) | -24.5866% | 7,234 |
| Net charge-offs to loans | 2.1267% | 585 |
| Credit loss provision to net charge-offs | 107.2115% | 2,485 |
| Earnings coverage of net charge-offs (x) | 0.4519% | 4,281 |
| Efficiency ratio | 88.3447% | 1,472 |
| Assets per employee ($millions) | 4.2611% | 3,314 |
| Cash dividends to net income (ytd only)* | -366.3004% | 7,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9035% | 1,003 |
| Loan loss allowance to noncurrent loans | 53.8659% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 2.7057% | 2,548 |
| Noncurrent loans to loans | 5.3902% | 1,216 |
| Net loans and leases to total assets | 40.1402% | 6,765 |
| Net loans and leases to deposits | 48.1741% | 6,746 |
| Net loans and leases to core deposits | 49.0766% | 6,830 |
| Total domestic deposits to total assets | 83.3233% | 4,783 |
| Equity capital to assets | 11.4645% | 2,304 |
| Core capital (leverage) ratio | 11.1534% | 2,071 |
| Tier 1 risk-based capital ratio | 21.4266% | 1,318 |
| Total risk-based capital ratio | 22.6895% | 1,296 |
| Memoranda: | ||
| Average total assets | $177,228,500 | 3,429 |
| Average earning assets | $166,137,000 | 3,358 |
| Average equity | $20,710,500 | 3,025 |
| Average total loans | $78,245,000 | 4,320 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1186% | 7,025 |
| Cost of funding earning assets | 0.7355% | 6,775 |
| Net interest margin | 3.3831% | 5,695 |
| Noninterest income to average assets | 0.5377% | 3,901 |
| Noninterest expense to average assets | 2.7449% | 4,801 |
| Loan and lease loss provision to assets | -0.5603% | 7,646 |
| Net operating income to assets | 1.4883% | 784 |
| Return on assets (ROA) | 1.8562% | 403 |
| Pretax return on assets | 1.8996% | 609 |
| Return on Equity (ROE) | 17.1256% | 466 |
| Retained earnings to average equity (ytd only) | 3.8017% | 3,202 |
| Net charge-offs to loans | 0.7735% | 2,701 |
| Credit loss provision to net charge-offs | -153.9683% | 7,046 |
| Earnings coverage of net charge-offs (x) | 2.6481% | 3,775 |
| Efficiency ratio | 74.0135% | 3,395 |
| Assets per employee ($millions) | 4.4938% | 2,884 |
| Cash dividends to net income (ytd only)* | 77.8008% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4529% | 1,474 |
| Loan loss allowance to noncurrent loans | 51.0244% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 2.7176% | 2,569 |
| Noncurrent loans to loans | 4.8074% | 1,431 |
| Net loans and leases to total assets | 45.7291% | 6,580 |
| Net loans and leases to deposits | 55.4241% | 6,489 |
| Net loans and leases to core deposits | 56.3856% | 6,675 |
| Total domestic deposits to total assets | 82.5076% | 5,020 |
| Equity capital to assets | 11.9008% | 1,968 |
| Core capital (leverage) ratio | 11.0595% | 2,118 |
| Tier 1 risk-based capital ratio | 20.9707% | 1,320 |
| Total risk-based capital ratio | 22.2307% | 1,298 |
| Memoranda: | ||
| Average total assets | $207,732,400 | 3,004 |
| Average earning assets | $194,700,400 | 2,943 |
| Average equity | $22,516,000 | 2,822 |
| Average total loans | $97,732,200 | 3,861 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2098% | 7,078 |
| Cost of funding earning assets | 0.8090% | 6,733 |
| Net interest margin | 3.4008% | 5,680 |
| Noninterest income to average assets | 0.4980% | 4,208 |
| Noninterest expense to average assets | 2.6563% | 5,085 |
| Loan and lease loss provision to assets | -0.4073% | 7,742 |
| Net operating income to assets | 1.4120% | 1,082 |
| Return on assets (ROA) | 1.8709% | 483 |
| Pretax return on assets | 1.9044% | 763 |
| Return on Equity (ROE) | 17.6217% | 515 |
| Retained earnings to average equity (ytd only) | 17.6217% | 116 |
| Net charge-offs to loans | 1.0445% | 1,938 |
| Credit loss provision to net charge-offs | -82.8283% | 6,901 |
| Earnings coverage of net charge-offs (x) | 2.0922% | 4,156 |
| Efficiency ratio | 72.0809% | 3,680 |
| Assets per employee ($millions) | 4.5744% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9217% | 886 |
| Loan loss allowance to noncurrent loans | 82.6497% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 2.0476% | 3,408 |
| Noncurrent loans to loans | 3.5350% | 2,225 |
| Net loans and leases to total assets | 43.9102% | 6,851 |
| Net loans and leases to deposits | 55.2425% | 6,672 |
| Net loans and leases to core deposits | 56.7348% | 6,814 |
| Total domestic deposits to total assets | 79.4864% | 5,872 |
| Equity capital to assets | 12.6516% | 1,778 |
| Core capital (leverage) ratio | 11.5127% | 1,933 |
| Tier 1 risk-based capital ratio | 21.7337% | 1,251 |
| Total risk-based capital ratio | 22.9975% | 1,224 |
| Memoranda: | ||
| Average total assets | $214,727,500 | 2,980 |
| Average earning assets | $201,240,750 | 2,898 |
| Average equity | $22,797,000 | 2,832 |
| Average total loans | $101,098,750 | 3,832 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3295% | 6,999 |
| Cost of funding earning assets | 0.8717% | 6,683 |
| Net interest margin | 3.4578% | 5,416 |
| Noninterest income to average assets | 0.4823% | 4,263 |
| Noninterest expense to average assets | 2.6230% | 5,236 |
| Loan and lease loss provision to assets | 0.0108% | 6,798 |
| Net operating income to assets | 1.0667% | 1,959 |
| Return on assets (ROA) | 1.7016% | 637 |
| Pretax return on assets | 1.7340% | 989 |
| Return on Equity (ROE) | 16.9645% | 572 |
| Retained earnings to average equity (ytd only) | 16.9645% | 156 |
| Net charge-offs to loans | 0.8863% | 2,062 |
| Credit loss provision to net charge-offs | 2.5586% | 5,992 |
| Earnings coverage of net charge-offs (x) | 2.5991% | 3,698 |
| Efficiency ratio | 70.5128% | 4,086 |
| Assets per employee ($millions) | 4.9361% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5717% | 520 |
| Loan loss allowance to noncurrent loans | 143.3212% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 1.5863% | 4,080 |
| Noncurrent loans to loans | 2.4921% | 3,160 |
| Net loans and leases to total assets | 44.9004% | 6,862 |
| Net loans and leases to deposits | 55.8189% | 6,741 |
| Net loans and leases to core deposits | 57.7408% | 6,845 |
| Total domestic deposits to total assets | 80.4395% | 5,579 |
| Equity capital to assets | 11.0307% | 2,829 |
| Core capital (leverage) ratio | 10.1638% | 2,981 |
| Tier 1 risk-based capital ratio | 18.8542% | 1,754 |
| Total risk-based capital ratio | 20.1259% | 1,718 |
| Memoranda: | ||
| Average total assets | $222,261,330 | 2,905 |
| Average earning assets | $208,108,000 | 2,834 |
| Average equity | $22,293,670 | 2,884 |
| Average total loans | $105,831,000 | 3,721 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3048% | 7,127 |
| Cost of funding earning assets | 0.9024% | 6,762 |
| Net interest margin | 3.4024% | 5,572 |
| Noninterest income to average assets | 0.3291% | 5,509 |
| Noninterest expense to average assets | 2.6894% | 4,957 |
| Loan and lease loss provision to assets | -0.0299% | 7,852 |
| Net operating income to assets | 0.8167% | 2,895 |
| Return on assets (ROA) | 0.8167% | 2,991 |
| Pretax return on assets | 0.8483% | 3,678 |
| Return on Equity (ROE) | 8.5396% | 2,649 |
| Retained earnings to average equity (ytd only) | 8.5396% | 1,522 |
| Net charge-offs to loans | 1.8623% | 929 |
| Credit loss provision to net charge-offs | -3.3399% | 5,948 |
| Earnings coverage of net charge-offs (x) | 0.9136% | 4,227 |
| Efficiency ratio | 76.6683% | 3,105 |
| Assets per employee ($millions) | 4.9958% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2687% | 657 |
| Loan loss allowance to noncurrent loans | 59.1220% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 3.2067% | 2,239 |
| Noncurrent loans to loans | 5.5287% | 1,258 |
| Net loans and leases to total assets | 45.5592% | 6,865 |
| Net loans and leases to deposits | 55.8932% | 6,782 |
| Net loans and leases to core deposits | 57.7741% | 6,896 |
| Total domestic deposits to total assets | 81.5111% | 5,264 |
| Equity capital to assets | 9.9043% | 3,983 |
| Core capital (leverage) ratio | 9.4210% | 3,890 |
| Tier 1 risk-based capital ratio | 16.3790% | 2,489 |
| Total risk-based capital ratio | 17.6476% | 2,444 |
| Memoranda: | ||
| Average total assets | $227,265,000 | 2,902 |
| Average earning assets | $212,321,500 | 2,849 |
| Average equity | $21,734,000 | 2,975 |
| Average total loans | $109,330,000 | 3,698 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8163% | 6,914 |
| Cost of funding earning assets | 1.1018% | 6,973 |
| Net interest margin | 3.7145% | 4,072 |
| Noninterest income to average assets | 0.8697% | 2,077 |
| Noninterest expense to average assets | 3.0953% | 3,766 |
| Loan and lease loss provision to assets | 1.1186% | 2,045 |
| Net operating income to assets | 0.1603% | 5,018 |
| Return on assets (ROA) | 0.5353% | 3,680 |
| Pretax return on assets | 0.5353% | 4,093 |
| Return on Equity (ROE) | 6.0001% | 3,208 |
| Retained earnings to average equity (ytd only) | 1.1574% | 4,237 |
| Net charge-offs to loans | 0.3229% | 4,618 |
| Credit loss provision to net charge-offs | 570.2643% | 525 |
| Earnings coverage of net charge-offs (x) | 6.5198% | 2,348 |
| Efficiency ratio | 70.7625% | 4,482 |
| Assets per employee ($millions) | 4.7858% | 2,498 |
| Cash dividends to net income (ytd only)* | 80.7103% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5353% | 514 |
| Loan loss allowance to noncurrent loans | 55.0463% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 4.0388% | 1,633 |
| Noncurrent loans to loans | 6.4224% | 946 |
| Net loans and leases to total assets | 47.3579% | 6,866 |
| Net loans and leases to deposits | 57.1373% | 6,843 |
| Net loans and leases to core deposits | 66.3580% | 6,963 |
| Total domestic deposits to total assets | 82.8843% | 4,571 |
| Equity capital to assets | 9.2295% | 4,805 |
| Core capital (leverage) ratio | 8.6496% | 5,015 |
| Tier 1 risk-based capital ratio | 15.1477% | 2,870 |
| Total risk-based capital ratio | 16.4197% | 2,818 |
| Memoranda: | ||
| Average total assets | $231,449,400 | 2,804 |
| Average earning assets | $218,362,600 | 2,726 |
| Average equity | $20,649,600 | 3,115 |
| Average total loans | $140,601,000 | 3,070 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 6,887 |
| Cost of funding earning assets | 1.1338% | 7,085 |
| Net interest margin | 3.7666% | 3,792 |
| Noninterest income to average assets | 0.8907% | 2,021 |
| Noninterest expense to average assets | 3.1348% | 3,519 |
| Loan and lease loss provision to assets | 1.0965% | 1,781 |
| Net operating income to assets | 0.2256% | 5,075 |
| Return on assets (ROA) | 0.2932% | 4,926 |
| Pretax return on assets | 0.2984% | 5,068 |
| Return on Equity (ROE) | 3.3151% | 4,656 |
| Retained earnings to average equity (ytd only) | -3.1851% | 5,973 |
| Net charge-offs to loans | 0.2982% | 4,165 |
| Credit loss provision to net charge-offs | 577.8788% | 673 |
| Earnings coverage of net charge-offs (x) | 6.9879% | 2,500 |
| Efficiency ratio | 70.2758% | 4,536 |
| Assets per employee ($millions) | 4.7572% | 2,463 |
| Cash dividends to net income (ytd only)* | 196.0793% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7068% | 876 |
| Loan loss allowance to noncurrent loans | 54.0170% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 3.2840% | 2,060 |
| Noncurrent loans to loans | 5.0110% | 1,314 |
| Net loans and leases to total assets | 52.8751% | 6,517 |
| Net loans and leases to deposits | 64.9479% | 6,408 |
| Net loans and leases to core deposits | 75.6659% | 6,639 |
| Total domestic deposits to total assets | 81.4116% | 4,912 |
| Equity capital to assets | 9.2050% | 5,158 |
| Core capital (leverage) ratio | 8.3919% | 5,674 |
| Tier 1 risk-based capital ratio | 13.6629% | 3,740 |
| Total risk-based capital ratio | 14.9298% | 3,674 |
| Memoranda: | ||
| Average total assets | $231,882,000 | 2,820 |
| Average earning assets | $219,787,250 | 2,725 |
| Average equity | $20,511,500 | 3,167 |
| Average total loans | $147,557,000 | 2,989 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9692% | 6,875 |
| Cost of funding earning assets | 1.1561% | 7,228 |
| Net interest margin | 3.8131% | 3,498 |
| Noninterest income to average assets | 0.9219% | 1,888 |
| Noninterest expense to average assets | 3.0604% | 3,838 |
| Loan and lease loss provision to assets | 1.6883% | 995 |
| Net operating income to assets | -0.1726% | 6,139 |
| Return on assets (ROA) | -0.0821% | 6,038 |
| Pretax return on assets | -0.1028% | 5,995 |
| Return on Equity (ROE) | -0.9408% | 6,065 |
| Retained earnings to average equity (ytd only) | -10.8436% | 6,961 |
| Net charge-offs to loans | 0.3948% | 3,228 |
| Credit loss provision to net charge-offs | 640.6557% | 725 |
| Earnings coverage of net charge-offs (x) | 5.5869% | 2,804 |
| Efficiency ratio | 67.5181% | 5,250 |
| Assets per employee ($millions) | 4.0729% | 3,549 |
| Cash dividends to net income (ytd only)* | -1,052.6316% | 8,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3869% | 1,010 |
| Loan loss allowance to noncurrent loans | 75.9766% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 2.1817% | 2,960 |
| Noncurrent loans to loans | 3.1416% | 2,271 |
| Net loans and leases to total assets | 62.7744% | 5,221 |
| Net loans and leases to deposits | 74.4802% | 5,380 |
| Net loans and leases to core deposits | 86.3443% | 5,867 |
| Total domestic deposits to total assets | 84.2833% | 3,605 |
| Equity capital to assets | 8.6272% | 5,857 |
| Core capital (leverage) ratio | 7.9905% | 6,349 |
| Tier 1 risk-based capital ratio | 11.8317% | 5,070 |
| Total risk-based capital ratio | 13.0949% | 4,972 |
| Memoranda: | ||
| Average total assets | $231,475,330 | 2,842 |
| Average earning assets | $219,189,000 | 2,750 |
| Average equity | $20,196,330 | 3,214 |
| Average total loans | $154,515,330 | 2,910 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9596% | 7,033 |
| Cost of funding earning assets | 1.1259% | 7,471 |
| Net interest margin | 3.8337% | 3,322 |
| Noninterest income to average assets | 0.8492% | 2,084 |
| Noninterest expense to average assets | 2.7945% | 4,577 |
| Loan and lease loss provision to assets | 0.9589% | 1,355 |
| Net operating income to assets | 0.6844% | 3,635 |
| Return on assets (ROA) | 0.8989% | 2,859 |
| Pretax return on assets | 0.9572% | 3,507 |
| Return on Equity (ROE) | 10.2464% | 2,220 |
| Retained earnings to average equity (ytd only) | -9.3078% | 7,040 |
| Net charge-offs to loans | 0.0076% | 5,569 |
| Credit loss provision to net charge-offs | 18,633.3333% | 25 |
| Earnings coverage of net charge-offs (x) | 328.0000% | 122 |
| Efficiency ratio | 62.3421% | 5,992 |
| Assets per employee ($millions) | 4.0876% | 3,478 |
| Cash dividends to net income (ytd only)* | 190.8397% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 2,545 |
| Loan loss allowance to noncurrent loans | 231.5385% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.5734% | 5,750 |
| Noncurrent loans to loans | 0.6882% | 5,686 |
| Net loans and leases to total assets | 63.8238% | 5,024 |
| Net loans and leases to deposits | 77.7549% | 4,965 |
| Net loans and leases to core deposits | 87.8198% | 5,759 |
| Total domestic deposits to total assets | 82.0834% | 4,512 |
| Equity capital to assets | 8.7491% | 5,697 |
| Core capital (leverage) ratio | 8.4174% | 5,686 |
| Tier 1 risk-based capital ratio | 11.8984% | 5,047 |
| Total risk-based capital ratio | 13.1528% | 4,950 |
| Memoranda: | ||
| Average total assets | $233,172,000 | 2,838 |
| Average earning assets | $220,985,500 | 2,751 |
| Average equity | $20,456,000 | 3,195 |
| Average total loans | $158,434,000 | 2,873 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7519% | 6,592 |
| Cost of funding earning assets | 1.6173% | 7,412 |
| Net interest margin | 4.1346% | 2,562 |
| Noninterest income to average assets | 0.6683% | 3,347 |
| Noninterest expense to average assets | 2.9327% | 4,327 |
| Loan and lease loss provision to assets | 0.5835% | 2,490 |
| Net operating income to assets | 0.9799% | 2,636 |
| Return on assets (ROA) | 1.1062% | 2,037 |
| Pretax return on assets | 1.1617% | 2,799 |
| Return on Equity (ROE) | 12.5089% | 1,444 |
| Retained earnings to average equity (ytd only) | 3.8531% | 2,729 |
| Net charge-offs to loans | 0.5452% | 2,187 |
| Credit loss provision to net charge-offs | 146.2719% | 3,607 |
| Earnings coverage of net charge-offs (x) | 4.0417% | 4,132 |
| Efficiency ratio | 64.5270% | 5,445 |
| Assets per employee ($millions) | 4.1669% | 3,175 |
| Cash dividends to net income (ytd only)* | 69.1973% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 5,151 |
| Loan loss allowance to noncurrent loans | 196.1864% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.6171% | 5,350 |
| Noncurrent loans to loans | 0.5695% | 5,662 |
| Net loans and leases to total assets | 70.2389% | 3,965 |
| Net loans and leases to deposits | 84.5757% | 4,326 |
| Net loans and leases to core deposits | 95.0178% | 5,345 |
| Total domestic deposits to total assets | 83.0485% | 3,750 |
| Equity capital to assets | 8.7967% | 5,657 |
| Core capital (leverage) ratio | 8.2783% | 5,999 |
| Tier 1 risk-based capital ratio | 11.1233% | 5,622 |
| Total risk-based capital ratio | 12.2851% | 5,589 |
| Memoranda: | ||
| Average total assets | $228,625,200 | 2,781 |
| Average earning assets | $214,363,600 | 2,717 |
| Average equity | $20,217,600 | 3,193 |
| Average total loans | $167,267,400 | 2,666 |