Home > American Premier Bank > Performance and Condition Ratios
American Premier Bank, Performance and Condition Ratios
| 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 | 4.5119% | 6,369 |
| Cost of funding earning assets | 1.4838% | 2,742 |
| Net interest margin | 3.0281% | 6,686 |
| Noninterest income to average assets | 0.1270% | 6,763 |
| Noninterest expense to average assets | 2.5857% | 5,471 |
| Loan and lease loss provision to assets | 0.4602% | 3,370 |
| Net operating income to assets | 0.0215% | 5,771 |
| Return on assets (ROA) | 0.0215% | 5,907 |
| Pretax return on assets | 0.0224% | 5,852 |
| Return on Equity (ROE) | 0.1507% | 5,922 |
| Retained earnings to average equity (ytd only) | 0.1507% | 5,502 |
| Net charge-offs to loans | 0.5364% | 3,469 |
| Credit loss provision to net charge-offs | 112.0455% | 3,903 |
| Earnings coverage of net charge-offs (x) | 1.1750% | 4,929 |
| Efficiency ratio | 84.2714% | 1,888 |
| Assets per employee ($millions) | 7.3680% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4703% | 4,180 |
| Loan loss allowance to noncurrent loans | 149.6437% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 1.2441% | 4,534 |
| Noncurrent loans to loans | 0.9825% | 5,092 |
| Net loans and leases to total assets | 76.3988% | 1,206 |
| Net loans and leases to deposits | 88.9071% | 1,659 |
| Net loans and leases to core deposits | 123.6505% | 433 |
| Total domestic deposits to total assets | 85.9311% | 3,392 |
| Equity capital to assets | 13.8943% | 1,067 |
| Core capital (leverage) ratio | 13.8168% | 888 |
| Tier 1 risk-based capital ratio | 16.6435% | 2,483 |
| Total risk-based capital ratio | 17.9045% | 2,447 |
| Memoranda: | ||
| Average total assets | $107,127,800 | 4,802 |
| Average earning assets | $104,058,400 | 4,603 |
| Average equity | $15,264,400 | 3,893 |
| Average total loans | $82,021,200 | 4,279 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5139% | 6,572 |
| Cost of funding earning assets | 1.5150% | 2,879 |
| Net interest margin | 2.9989% | 6,836 |
| Noninterest income to average assets | 0.1342% | 6,881 |
| Noninterest expense to average assets | 2.5881% | 5,370 |
| Loan and lease loss provision to assets | 0.6185% | 2,467 |
| Net operating income to assets | -0.1631% | 6,265 |
| Return on assets (ROA) | -0.1631% | 6,345 |
| Pretax return on assets | -0.1618% | 6,284 |
| Return on Equity (ROE) | -1.1372% | 6,295 |
| Retained earnings to average equity (ytd only) | -1.1372% | 6,034 |
| Net charge-offs to loans | 0.7233% | 2,616 |
| Credit loss provision to net charge-offs | 112.0455% | 3,775 |
| Earnings coverage of net charge-offs (x) | 0.8273% | 5,229 |
| Efficiency ratio | 85.0021% | 1,730 |
| Assets per employee ($millions) | 7.3766% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 3,788 |
| Loan loss allowance to noncurrent loans | 148.5849% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 1.2481% | 4,654 |
| Noncurrent loans to loans | 1.0345% | 5,178 |
| Net loans and leases to total assets | 72.9442% | 2,024 |
| Net loans and leases to deposits | 84.7326% | 2,568 |
| Net loans and leases to core deposits | 120.0339% | 610 |
| Total domestic deposits to total assets | 86.0875% | 3,028 |
| Equity capital to assets | 13.7444% | 1,260 |
| Core capital (leverage) ratio | 13.8069% | 966 |
| Tier 1 risk-based capital ratio | 17.2029% | 2,276 |
| Total risk-based capital ratio | 18.4650% | 2,236 |
| Memoranda: | ||
| Average total assets | $106,279,750 | 4,879 |
| Average earning assets | $103,146,500 | 4,690 |
| Average equity | $15,241,500 | 3,942 |
| Average total loans | $81,102,500 | 4,376 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4973% | 6,717 |
| Cost of funding earning assets | 1.5555% | 2,931 |
| Net interest margin | 2.9418% | 6,950 |
| Noninterest income to average assets | 0.1545% | 6,781 |
| Noninterest expense to average assets | 2.6464% | 5,146 |
| Loan and lease loss provision to assets | 0.8796% | 1,655 |
| Net operating income to assets | -0.5190% | 6,669 |
| Return on assets (ROA) | -0.5190% | 6,707 |
| Pretax return on assets | -0.5171% | 6,603 |
| Return on Equity (ROE) | -3.5666% | 6,576 |
| Retained earnings to average equity (ytd only) | -3.5666% | 6,381 |
| Net charge-offs to loans | 0.8984% | 2,033 |
| Credit loss provision to net charge-offs | 126.9972% | 3,167 |
| Earnings coverage of net charge-offs (x) | 0.5234% | 5,207 |
| Efficiency ratio | 87.9518% | 1,507 |
| Assets per employee ($millions) | 7.0543% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 3,709 |
| Loan loss allowance to noncurrent loans | 214.2857% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.7258% | 5,679 |
| Noncurrent loans to loans | 0.7188% | 5,819 |
| Net loans and leases to total assets | 78.8385% | 987 |
| Net loans and leases to deposits | 92.0804% | 1,517 |
| Net loans and leases to core deposits | 133.8860% | 367 |
| Total domestic deposits to total assets | 85.6192% | 3,306 |
| Equity capital to assets | 14.2258% | 1,097 |
| Core capital (leverage) ratio | 14.2539% | 862 |
| Tier 1 risk-based capital ratio | 17.0891% | 2,245 |
| Total risk-based capital ratio | 18.3524% | 2,192 |
| Memoranda: | ||
| Average total assets | $104,823,330 | 4,945 |
| Average earning assets | $101,705,000 | 4,754 |
| Average equity | $15,252,670 | 3,941 |
| Average total loans | $80,812,670 | 4,423 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4617% | 6,877 |
| Cost of funding earning assets | 1.5901% | 3,020 |
| Net interest margin | 2.8716% | 7,071 |
| Noninterest income to average assets | 0.1725% | 6,738 |
| Noninterest expense to average assets | 2.4615% | 5,867 |
| Loan and lease loss provision to assets | 0.2761% | 3,812 |
| Net operating income to assets | 0.2185% | 5,622 |
| Return on assets (ROA) | 0.2185% | 5,737 |
| Pretax return on assets | 0.2185% | 5,823 |
| Return on Equity (ROE) | 1.4851% | 5,966 |
| Retained earnings to average equity (ytd only) | 1.4851% | 5,203 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2685% | 2,106 |
| Assets per employee ($millions) | 6.9205% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5416% | 3,693 |
| Loan loss allowance to noncurrent loans | 68.8745% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.9421% | 3,571 |
| Noncurrent loans to loans | 2.2382% | 3,475 |
| Net loans and leases to total assets | 78.6932% | 1,024 |
| Net loans and leases to deposits | 92.6043% | 1,529 |
| Net loans and leases to core deposits | 131.0652% | 464 |
| Total domestic deposits to total assets | 84.9779% | 3,686 |
| Equity capital to assets | 14.8275% | 926 |
| Core capital (leverage) ratio | 14.5683% | 840 |
| Tier 1 risk-based capital ratio | 18.1926% | 1,901 |
| Total risk-based capital ratio | 19.4567% | 1,867 |
| Memoranda: | ||
| Average total assets | $104,327,500 | 5,025 |
| Average earning assets | $101,128,500 | 4,845 |
| Average equity | $15,352,500 | 3,952 |
| Average total loans | $78,855,000 | 4,544 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4306% | 7,452 |
| Cost of funding earning assets | 2.3281% | 1,544 |
| Net interest margin | 2.1024% | 7,701 |
| Noninterest income to average assets | 0.1690% | 6,871 |
| Noninterest expense to average assets | 2.7281% | 5,257 |
| Loan and lease loss provision to assets | 0.5320% | 3,712 |
| Net operating income to assets | -1.0434% | 6,606 |
| Return on assets (ROA) | -1.0434% | 6,606 |
| Pretax return on assets | -1.0423% | 6,438 |
| Return on Equity (ROE) | -7.3598% | 6,417 |
| Retained earnings to average equity (ytd only) | -7.3598% | 6,278 |
| Net charge-offs to loans | 0.2691% | 4,937 |
| Credit loss provision to net charge-offs | 253.0928% | 1,395 |
| Earnings coverage of net charge-offs (x) | -2.4278% | 7,028 |
| Efficiency ratio | 123.0093% | 560 |
| Assets per employee ($millions) | 6.9899% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6149% | 3,216 |
| Loan loss allowance to noncurrent loans | 64.9973% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.9228% | 3,498 |
| Noncurrent loans to loans | 2.4845% | 3,058 |
| Net loans and leases to total assets | 70.1349% | 3,226 |
| Net loans and leases to deposits | 82.3073% | 3,571 |
| Net loans and leases to core deposits | 164.3461% | 294 |
| Total domestic deposits to total assets | 85.2110% | 3,454 |
| Equity capital to assets | 14.6050% | 996 |
| Core capital (leverage) ratio | 15.2353% | 735 |
| Tier 1 risk-based capital ratio | 19.1327% | 1,626 |
| Total risk-based capital ratio | 20.3985% | 1,587 |
| Memoranda: | ||
| Average total assets | $92,297,600 | 5,321 |
| Average earning assets | $89,943,000 | 5,120 |
| Average equity | $13,084,600 | 4,492 |
| Average total loans | $72,097,000 | 4,797 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5085% | 7,499 |
| Cost of funding earning assets | 2.5282% | 1,212 |
| Net interest margin | 1.9803% | 7,824 |
| Noninterest income to average assets | 0.1854% | 6,893 |
| Noninterest expense to average assets | 2.7785% | 4,983 |
| Loan and lease loss provision to assets | 0.5398% | 3,229 |
| Net operating income to assets | -1.1993% | 6,955 |
| Return on assets (ROA) | -1.1993% | 6,963 |
| Pretax return on assets | -1.1978% | 6,813 |
| Return on Equity (ROE) | -8.5357% | 6,772 |
| Retained earnings to average equity (ytd only) | -8.5357% | 6,660 |
| Net charge-offs to loans | 0.3621% | 3,842 |
| Credit loss provision to net charge-offs | 186.0825% | 2,451 |
| Earnings coverage of net charge-offs (x) | -2.2680% | 6,764 |
| Efficiency ratio | 131.0296% | 464 |
| Assets per employee ($millions) | 6.6795% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4663% | 3,615 |
| Loan loss allowance to noncurrent loans | 677.3585% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.3174% | 6,691 |
| Noncurrent loans to loans | 0.2165% | 6,955 |
| Net loans and leases to total assets | 72.2343% | 2,973 |
| Net loans and leases to deposits | 85.6820% | 3,383 |
| Net loans and leases to core deposits | 178.5973% | 195 |
| Total domestic deposits to total assets | 84.3051% | 3,577 |
| Equity capital to assets | 15.4673% | 894 |
| Core capital (leverage) ratio | 16.1322% | 658 |
| Tier 1 risk-based capital ratio | 19.4573% | 1,657 |
| Total risk-based capital ratio | 20.7211% | 1,614 |
| Memoranda: | ||
| Average total assets | $89,160,000 | 5,450 |
| Average earning assets | $87,122,000 | 5,262 |
| Average equity | $12,527,500 | 4,656 |
| Average total loans | $71,435,750 | 4,858 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5973% | 7,537 |
| Cost of funding earning assets | 2.7292% | 964 |
| Net interest margin | 1.8681% | 7,921 |
| Noninterest income to average assets | 0.2082% | 6,803 |
| Noninterest expense to average assets | 2.9480% | 4,299 |
| Loan and lease loss provision to assets | 0.7604% | 2,164 |
| Net operating income to assets | -1.6752% | 7,318 |
| Return on assets (ROA) | -1.6752% | 7,313 |
| Pretax return on assets | -1.6729% | 7,161 |
| Return on Equity (ROE) | -12.4115% | 7,195 |
| Retained earnings to average equity (ytd only) | -12.4115% | 7,081 |
| Net charge-offs to loans | 0.5483% | 2,680 |
| Credit loss provision to net charge-offs | 167.5258% | 2,744 |
| Earnings coverage of net charge-offs (x) | -2.0103% | 6,352 |
| Efficiency ratio | 144.8276% | 396 |
| Assets per employee ($millions) | 6.0877% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 3,651 |
| Loan loss allowance to noncurrent loans | 654.7170% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 6,580 |
| Noncurrent loans to loans | 0.2161% | 6,973 |
| Net loans and leases to total assets | 79.4275% | 1,424 |
| Net loans and leases to deposits | 92.2187% | 2,427 |
| Net loans and leases to core deposits | 190.4274% | 157 |
| Total domestic deposits to total assets | 86.1295% | 2,723 |
| Equity capital to assets | 13.5529% | 1,477 |
| Core capital (leverage) ratio | 14.1855% | 1,098 |
| Tier 1 risk-based capital ratio | 16.4175% | 2,473 |
| Total risk-based capital ratio | 17.6819% | 2,417 |
| Memoranda: | ||
| Average total assets | $85,482,670 | 5,598 |
| Average earning assets | $83,614,000 | 5,426 |
| Average equity | $11,537,670 | 4,938 |
| Average total loans | $70,764,330 | 4,925 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4805% | 7,736 |
| Cost of funding earning assets | 2.8814% | 805 |
| Net interest margin | 1.5991% | 8,034 |
| Noninterest income to average assets | 0.1696% | 7,093 |
| Noninterest expense to average assets | 2.9504% | 3,972 |
| Loan and lease loss provision to assets | 0.5184% | 2,392 |
| Net operating income to assets | -1.7344% | 7,582 |
| Return on assets (ROA) | -1.7344% | 7,585 |
| Pretax return on assets | -1.7344% | 7,450 |
| Return on Equity (ROE) | -12.8794% | 7,515 |
| Retained earnings to average equity (ytd only) | -12.8794% | 7,316 |
| Net charge-offs to loans | 0.8189% | 1,583 |
| Credit loss provision to net charge-offs | 75.3521% | 4,262 |
| Earnings coverage of net charge-offs (x) | -1.7676% | 5,456 |
| Efficiency ratio | 170.1117% | 274 |
| Assets per employee ($millions) | 5.6004% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 4,347 |
| Loan loss allowance to noncurrent loans | 235.8491% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4416% | 6,171 |
| Noncurrent loans to loans | 0.5339% | 6,082 |
| Net loans and leases to total assets | 81.6751% | 1,067 |
| Net loans and leases to deposits | 94.1864% | 2,242 |
| Net loans and leases to core deposits | 207.3685% | 125 |
| Total domestic deposits to total assets | 86.7164% | 2,355 |
| Equity capital to assets | 13.0300% | 1,727 |
| Core capital (leverage) ratio | 13.1719% | 1,430 |
| Tier 1 risk-based capital ratio | 15.2030% | 2,968 |
| Total risk-based capital ratio | 16.4449% | 2,930 |
| Memoranda: | ||
| Average total assets | $82,566,000 | 5,719 |
| Average earning assets | $80,794,500 | 5,526 |
| Average equity | $11,118,500 | 5,069 |
| Average total loans | $69,361,000 | 5,007 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4988% | 7,308 |
| Cost of funding earning assets | 3.3565% | 792 |
| Net interest margin | 2.1423% | 7,993 |
| Noninterest income to average assets | 0.2047% | 6,979 |
| Noninterest expense to average assets | 3.0374% | 3,945 |
| Loan and lease loss provision to assets | 0.2469% | 4,446 |
| Net operating income to assets | -0.9901% | 7,245 |
| Return on assets (ROA) | -0.9901% | 7,162 |
| Pretax return on assets | -0.9889% | 6,992 |
| Return on Equity (ROE) | -6.8453% | 7,033 |
| Retained earnings to average equity (ytd only) | -6.8453% | 6,764 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.3243% | 448 |
| Assets per employee ($millions) | 5.7947% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 3,683 |
| Loan loss allowance to noncurrent loans | 177.3879% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 5,313 |
| Noncurrent loans to loans | 0.7410% | 5,178 |
| Net loans and leases to total assets | 84.2208% | 855 |
| Net loans and leases to deposits | 98.1371% | 2,104 |
| Net loans and leases to core deposits | 203.6877% | 160 |
| Total domestic deposits to total assets | 85.8196% | 2,485 |
| Equity capital to assets | 13.9179% | 1,454 |
| Core capital (leverage) ratio | 14.1852% | 1,220 |
| Tier 1 risk-based capital ratio | 15.7723% | 2,754 |
| Total risk-based capital ratio | 17.0366% | 2,690 |
| Memoranda: | ||
| Average total assets | $80,595,800 | 5,681 |
| Average earning assets | $78,653,200 | 5,473 |
| Average equity | $11,657,600 | 4,927 |
| Average total loans | $62,499,600 | 5,157 |