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Premier American Bank, Performance and Condition Ratios
| 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 | 4.2618% | 7,573 |
| Cost of funding earning assets | 2.6812% | 623 |
| Net interest margin | 1.5806% | 7,851 |
| Noninterest income to average assets | 0.2710% | 6,178 |
| Noninterest expense to average assets | 3.8500% | 1,601 |
| Loan and lease loss provision to assets | 3.7634% | 385 |
| Net operating income to assets | -5.8602% | 7,830 |
| Return on assets (ROA) | -5.8602% | 7,818 |
| Pretax return on assets | -5.8602% | 7,792 |
| Return on Equity (ROE) | -154.6184% | 7,989 |
| Retained earnings to average equity (ytd only) | -154.6184% | 7,989 |
| Net charge-offs to loans | 3.4553% | 567 |
| Credit loss provision to net charge-offs | 127.5576% | 4,057 |
| Earnings coverage of net charge-offs (x) | -0.7107% | 6,811 |
| Efficiency ratio | 219.6014% | 115 |
| Assets per employee ($millions) | 4.2144% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2831% | 142 |
| Loan loss allowance to noncurrent loans | 15.5386% | 7,232 |
| Noncurrent assets plus other real estate owned to assets | 33.8458% | 7 |
| Noncurrent loans to loans | 34.0000% | 11 |
| Net loans and leases to total assets | 88.8007% | 136 |
| Net loans and leases to deposits | 93.0521% | 1,728 |
| Net loans and leases to core deposits | 155.2041% | 410 |
| Total domestic deposits to total assets | 95.4312% | 44 |
| Equity capital to assets | 0.0080% | 7,996 |
| Core capital (leverage) ratio | 0.0000% | 8,001 |
| Tier 1 risk-based capital ratio | 0.0000% | 8,001 |
| Total risk-based capital ratio | 0.0000% | 8,001 |
| Memoranda: | ||
| Average total assets | $363,450,000 | 1,867 |
| Average earning assets | $340,819,400 | 1,830 |
| Average equity | $13,775,200 | 4,321 |
| Average total loans | $310,333,200 | 1,541 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2962% | 7,678 |
| Cost of funding earning assets | 2.8364% | 544 |
| Net interest margin | 1.4599% | 7,952 |
| Noninterest income to average assets | 0.2723% | 6,285 |
| Noninterest expense to average assets | 3.7743% | 1,648 |
| Loan and lease loss provision to assets | 3.3861% | 402 |
| Net operating income to assets | -5.5102% | 7,884 |
| Return on assets (ROA) | -5.5102% | 7,885 |
| Pretax return on assets | -5.5102% | 7,865 |
| Return on Equity (ROE) | -121.4866% | 8,040 |
| Retained earnings to average equity (ytd only) | -121.4866% | 8,039 |
| Net charge-offs to loans | 2.1037% | 923 |
| Credit loss provision to net charge-offs | 192.2218% | 2,354 |
| Earnings coverage of net charge-offs (x) | -1.2058% | 6,657 |
| Efficiency ratio | 228.7205% | 108 |
| Assets per employee ($millions) | 4.8065% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4284% | 107 |
| Loan loss allowance to noncurrent loans | 17.9526% | 7,200 |
| Noncurrent assets plus other real estate owned to assets | 27.1325% | 14 |
| Noncurrent loans to loans | 30.2376% | 16 |
| Net loans and leases to total assets | 81.8758% | 833 |
| Net loans and leases to deposits | 88.0374% | 2,951 |
| Net loans and leases to core deposits | 155.8870% | 463 |
| Total domestic deposits to total assets | 93.0012% | 87 |
| Equity capital to assets | 1.6003% | 8,064 |
| Core capital (leverage) ratio | 1.4447% | 8,062 |
| Tier 1 risk-based capital ratio | 1.9605% | 8,062 |
| Total risk-based capital ratio | 3.9210% | 8,052 |
| Memoranda: | ||
| Average total assets | $379,506,250 | 1,815 |
| Average earning assets | $358,197,500 | 1,763 |
| Average equity | $17,213,000 | 3,660 |
| Average total loans | $317,782,750 | 1,531 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1935% | 7,830 |
| Cost of funding earning assets | 2.7896% | 814 |
| Net interest margin | 1.4039% | 8,037 |
| Noninterest income to average assets | 0.2735% | 6,313 |
| Noninterest expense to average assets | 2.7282% | 5,263 |
| Loan and lease loss provision to assets | 2.2671% | 706 |
| Net operating income to assets | -3.3728% | 7,741 |
| Return on assets (ROA) | -3.3728% | 7,745 |
| Pretax return on assets | -3.3728% | 7,655 |
| Return on Equity (ROE) | -62.2515% | 7,987 |
| Retained earnings to average equity (ytd only) | -62.2515% | 7,983 |
| Net charge-offs to loans | -0.0019% | 7,478 |
| Credit loss provision to net charge-offs | -147,000.0000% | 7,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 168.1559% | 292 |
| Assets per employee ($millions) | 5.2641% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1300% | 117 |
| Loan loss allowance to noncurrent loans | 22.2782% | 7,004 |
| Noncurrent assets plus other real estate owned to assets | 18.4112% | 57 |
| Noncurrent loans to loans | 23.0269% | 35 |
| Net loans and leases to total assets | 73.5458% | 2,829 |
| Net loans and leases to deposits | 83.3516% | 3,988 |
| Net loans and leases to core deposits | 143.1544% | 880 |
| Total domestic deposits to total assets | 88.2357% | 1,653 |
| Equity capital to assets | 4.1216% | 8,095 |
| Core capital (leverage) ratio | 4.1000% | 8,085 |
| Tier 1 risk-based capital ratio | 5.4357% | 8,080 |
| Total risk-based capital ratio | 9.4533% | 7,916 |
| Memoranda: | ||
| Average total assets | $389,050,330 | 1,799 |
| Average earning assets | $373,816,000 | 1,725 |
| Average equity | $21,079,000 | 3,089 |
| Average total loans | $322,453,330 | 1,545 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4069% | 7,793 |
| Cost of funding earning assets | 2.7693% | 1,058 |
| Net interest margin | 1.6376% | 8,025 |
| Noninterest income to average assets | 0.3077% | 5,981 |
| Noninterest expense to average assets | 2.8318% | 4,417 |
| Loan and lease loss provision to assets | 2.1328% | 556 |
| Net operating income to assets | -3.0824% | 7,855 |
| Return on assets (ROA) | -3.0824% | 7,856 |
| Pretax return on assets | -3.0824% | 7,772 |
| Return on Equity (ROE) | -50.3519% | 8,049 |
| Retained earnings to average equity (ytd only) | -50.3519% | 8,032 |
| Net charge-offs to loans | 0.0727% | 4,464 |
| Credit loss provision to net charge-offs | 3,418.6441% | 201 |
| Earnings coverage of net charge-offs (x) | -15.2203% | 5,645 |
| Efficiency ratio | 150.4494% | 351 |
| Assets per employee ($millions) | 5.0810% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2976% | 164 |
| Loan loss allowance to noncurrent loans | 19.6822% | 7,186 |
| Noncurrent assets plus other real estate owned to assets | 18.9163% | 42 |
| Noncurrent loans to loans | 21.8348% | 36 |
| Net loans and leases to total assets | 81.0706% | 1,188 |
| Net loans and leases to deposits | 93.8830% | 2,289 |
| Net loans and leases to core deposits | 155.4546% | 573 |
| Total domestic deposits to total assets | 86.3527% | 2,523 |
| Equity capital to assets | 5.3929% | 8,083 |
| Core capital (leverage) ratio | 5.5457% | 8,075 |
| Tier 1 risk-based capital ratio | 6.4520% | 8,122 |
| Total risk-based capital ratio | 10.9664% | 7,146 |
| Memoranda: | ||
| Average total assets | $378,277,000 | 1,847 |
| Average earning assets | $363,701,500 | 1,773 |
| Average equity | $23,157,000 | 2,858 |
| Average total loans | $324,527,000 | 1,548 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2145% | 4,437 |
| Cost of funding earning assets | 3.2004% | 1,191 |
| Net interest margin | 3.0141% | 6,875 |
| Noninterest income to average assets | 0.3824% | 5,616 |
| Noninterest expense to average assets | 2.9420% | 4,291 |
| Loan and lease loss provision to assets | 2.4271% | 436 |
| Net operating income to assets | -1.8276% | 7,566 |
| Return on assets (ROA) | -1.8276% | 7,520 |
| Pretax return on assets | -2.1139% | 7,474 |
| Return on Equity (ROE) | -23.8279% | 7,842 |
| Retained earnings to average equity (ytd only) | -23.8279% | 7,782 |
| Net charge-offs to loans | 2.2520% | 459 |
| Credit loss provision to net charge-offs | 125.8320% | 4,242 |
| Earnings coverage of net charge-offs (x) | 0.1624% | 6,151 |
| Efficiency ratio | 90.3782% | 1,487 |
| Assets per employee ($millions) | 4.4700% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9708% | 446 |
| Loan loss allowance to noncurrent loans | 18.3728% | 7,300 |
| Noncurrent assets plus other real estate owned to assets | 14.4753% | 66 |
| Noncurrent loans to loans | 16.1695% | 61 |
| Net loans and leases to total assets | 84.3055% | 838 |
| Net loans and leases to deposits | 99.4786% | 1,907 |
| Net loans and leases to core deposits | 161.7160% | 540 |
| Total domestic deposits to total assets | 84.7473% | 2,954 |
| Equity capital to assets | 6.8613% | 7,799 |
| Core capital (leverage) ratio | 6.8543% | 7,796 |
| Tier 1 risk-based capital ratio | 7.8636% | 8,105 |
| Total risk-based capital ratio | 12.8157% | 5,072 |
| Memoranda: | ||
| Average total assets | $398,781,400 | 1,705 |
| Average earning assets | $380,079,000 | 1,637 |
| Average equity | $30,586,000 | 2,209 |
| Average total loans | $341,565,600 | 1,420 |