Home > Premier Bank > Performance and Condition Ratios
Premier Bank, Performance and Condition Ratios
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2736% | 4,562 |
| Cost of funding earning assets | 0.6075% | 4,571 |
| Net interest margin | 3.6661% | 3,938 |
| Noninterest income to average assets | 0.6096% | 3,214 |
| Noninterest expense to average assets | 4.4443% | 575 |
| Loan and lease loss provision to assets | 0.3057% | 2,162 |
| Net operating income to assets | -0.8972% | 6,833 |
| Return on assets (ROA) | -0.8972% | 6,860 |
| Pretax return on assets | -0.8972% | 6,834 |
| Return on Equity (ROE) | -25.3305% | 7,041 |
| Retained earnings to average equity (ytd only) | -25.3305% | 7,031 |
| Net charge-offs to loans | 2.0335% | 351 |
| Credit loss provision to net charge-offs | 23.1501% | 4,904 |
| Earnings coverage of net charge-offs (x) | -0.4478% | 5,483 |
| Efficiency ratio | 115.3502% | 234 |
| Assets per employee ($millions) | 4.1234% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2647% | 568 |
| Loan loss allowance to noncurrent loans | 72.0960% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 7.2491% | 481 |
| Noncurrent loans to loans | 4.5282% | 1,040 |
| Net loans and leases to total assets | 61.1572% | 3,542 |
| Net loans and leases to deposits | 67.8581% | 4,206 |
| Net loans and leases to core deposits | 72.3089% | 4,211 |
| Total domestic deposits to total assets | 90.1252% | 778 |
| Equity capital to assets | 3.2736% | 7,125 |
| Core capital (leverage) ratio | 3.0646% | 7,128 |
| Tier 1 risk-based capital ratio | 4.8577% | 7,118 |
| Total risk-based capital ratio | 6.1321% | 7,118 |
| Memoranda: | ||
| Average total assets | $286,529,250 | 2,256 |
| Average earning assets | $253,486,250 | 2,312 |
| Average equity | $10,148,250 | 4,993 |
| Average total loans | $186,076,250 | 2,148 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2854% | 4,626 |
| Cost of funding earning assets | 0.6359% | 4,561 |
| Net interest margin | 3.6495% | 4,044 |
| Noninterest income to average assets | 0.4222% | 4,481 |
| Noninterest expense to average assets | 3.8891% | 1,089 |
| Loan and lease loss provision to assets | 0.1613% | 3,497 |
| Net operating income to assets | -0.3975% | 6,680 |
| Return on assets (ROA) | -0.3975% | 6,728 |
| Pretax return on assets | -0.3975% | 6,699 |
| Return on Equity (ROE) | -10.9645% | 6,922 |
| Retained earnings to average equity (ytd only) | -10.9645% | 6,858 |
| Net charge-offs to loans | 2.0079% | 414 |
| Credit loss provision to net charge-offs | 12.2715% | 4,711 |
| Earnings coverage of net charge-offs (x) | -0.1796% | 5,157 |
| Efficiency ratio | 106.4650% | 387 |
| Assets per employee ($millions) | 4.0348% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4091% | 537 |
| Loan loss allowance to noncurrent loans | 46.8920% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 9.0892% | 331 |
| Noncurrent loans to loans | 7.2700% | 521 |
| Net loans and leases to total assets | 61.3752% | 3,556 |
| Net loans and leases to deposits | 68.5053% | 4,121 |
| Net loans and leases to core deposits | 72.7720% | 4,201 |
| Total domestic deposits to total assets | 89.5919% | 1,166 |
| Equity capital to assets | 3.6327% | 7,155 |
| Core capital (leverage) ratio | 3.4301% | 7,155 |
| Tier 1 risk-based capital ratio | 5.4251% | 7,146 |
| Total risk-based capital ratio | 6.7075% | 7,146 |
| Memoranda: | ||
| Average total assets | $291,323,670 | 2,218 |
| Average earning assets | $257,900,000 | 2,280 |
| Average equity | $10,561,330 | 4,900 |
| Average total loans | $190,750,330 | 2,112 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3132% | 4,685 |
| Cost of funding earning assets | 0.6828% | 4,431 |
| Net interest margin | 3.6304% | 4,125 |
| Noninterest income to average assets | 0.4612% | 4,215 |
| Noninterest expense to average assets | 3.9098% | 1,054 |
| Loan and lease loss provision to assets | 0.0122% | 5,153 |
| Net operating income to assets | -0.2394% | 6,663 |
| Return on assets (ROA) | -0.2394% | 6,715 |
| Pretax return on assets | -0.2394% | 6,691 |
| Return on Equity (ROE) | -6.6094% | 6,908 |
| Retained earnings to average equity (ytd only) | -6.6094% | 6,695 |
| Net charge-offs to loans | 0.5194% | 1,792 |
| Credit loss provision to net charge-offs | 3.5294% | 3,968 |
| Earnings coverage of net charge-offs (x) | -0.6588% | 4,523 |
| Efficiency ratio | 106.1697% | 404 |
| Assets per employee ($millions) | 4.0412% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9202% | 394 |
| Loan loss allowance to noncurrent loans | 43.1987% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 9.7327% | 317 |
| Noncurrent loans to loans | 9.0747% | 369 |
| Net loans and leases to total assets | 62.7425% | 3,113 |
| Net loans and leases to deposits | 69.8137% | 3,758 |
| Net loans and leases to core deposits | 74.0876% | 3,892 |
| Total domestic deposits to total assets | 89.8713% | 1,149 |
| Equity capital to assets | 3.6013% | 7,207 |
| Core capital (leverage) ratio | 3.4867% | 7,209 |
| Tier 1 risk-based capital ratio | 5.3171% | 7,200 |
| Total risk-based capital ratio | 6.6025% | 7,202 |
| Memoranda: | ||
| Average total assets | $295,768,000 | 2,194 |
| Average earning assets | $262,453,000 | 2,259 |
| Average equity | $10,712,000 | 4,885 |
| Average total loans | $196,394,000 | 2,067 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 6,133 |
| Cost of funding earning assets | 1.0964% | 2,697 |
| Net interest margin | 3.0758% | 6,395 |
| Noninterest income to average assets | 0.6644% | 2,813 |
| Noninterest expense to average assets | 4.0632% | 943 |
| Loan and lease loss provision to assets | 2.5112% | 176 |
| Net operating income to assets | -3.1151% | 7,190 |
| Return on assets (ROA) | -3.1151% | 7,193 |
| Pretax return on assets | -3.1151% | 7,194 |
| Return on Equity (ROE) | -70.7911% | 7,277 |
| Retained earnings to average equity (ytd only) | -70.7911% | 7,277 |
| Net charge-offs to loans | 4.7384% | 95 |
| Credit loss provision to net charge-offs | 78.1883% | 4,546 |
| Earnings coverage of net charge-offs (x) | -0.1880% | 5,950 |
| Efficiency ratio | 117.4560% | 328 |
| Assets per employee ($millions) | 4.0621% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8962% | 409 |
| Loan loss allowance to noncurrent loans | 38.4062% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 10.6579% | 285 |
| Noncurrent loans to loans | 10.1447% | 305 |
| Net loans and leases to total assets | 64.8648% | 3,013 |
| Net loans and leases to deposits | 72.7257% | 3,704 |
| Net loans and leases to core deposits | 80.6498% | 3,367 |
| Total domestic deposits to total assets | 89.1910% | 1,427 |
| Equity capital to assets | 3.6421% | 7,241 |
| Core capital (leverage) ratio | 3.2463% | 7,256 |
| Tier 1 risk-based capital ratio | 5.1853% | 7,238 |
| Total risk-based capital ratio | 6.4693% | 7,238 |
| Memoranda: | ||
| Average total assets | $332,031,400 | 1,947 |
| Average earning assets | $301,712,800 | 1,946 |
| Average equity | $14,610,600 | 3,986 |
| Average total loans | $225,055,400 | 1,840 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 6,363 |
| Cost of funding earning assets | 1.1438% | 2,672 |
| Net interest margin | 2.9776% | 6,621 |
| Noninterest income to average assets | 0.7748% | 2,169 |
| Noninterest expense to average assets | 3.9771% | 1,033 |
| Loan and lease loss provision to assets | 3.0009% | 110 |
| Net operating income to assets | -3.4847% | 7,300 |
| Return on assets (ROA) | -3.4847% | 7,303 |
| Pretax return on assets | -3.4847% | 7,303 |
| Return on Equity (ROE) | -76.3317% | 7,355 |
| Retained earnings to average equity (ytd only) | -76.3317% | 7,354 |
| Net charge-offs to loans | 5.2523% | 85 |
| Credit loss provision to net charge-offs | 84.2169% | 3,995 |
| Earnings coverage of net charge-offs (x) | -0.1358% | 5,686 |
| Efficiency ratio | 113.8491% | 375 |
| Assets per employee ($millions) | 4.4373% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1984% | 343 |
| Loan loss allowance to noncurrent loans | 34.1888% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 10.8514% | 303 |
| Noncurrent loans to loans | 12.2800% | 224 |
| Net loans and leases to total assets | 60.3614% | 4,069 |
| Net loans and leases to deposits | 69.5589% | 4,371 |
| Net loans and leases to core deposits | 83.2709% | 3,150 |
| Total domestic deposits to total assets | 86.7774% | 2,784 |
| Equity capital to assets | 3.7294% | 7,337 |
| Core capital (leverage) ratio | 3.6062% | 7,324 |
| Tier 1 risk-based capital ratio | 5.6935% | 7,306 |
| Total risk-based capital ratio | 6.9859% | 7,307 |
| Memoranda: | ||
| Average total assets | $340,906,250 | 1,910 |
| Average earning assets | $311,245,750 | 1,899 |
| Average equity | $15,563,250 | 3,814 |
| Average total loans | $231,283,500 | 1,817 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1169% | 6,456 |
| Cost of funding earning assets | 1.1887% | 2,655 |
| Net interest margin | 2.9282% | 6,740 |
| Noninterest income to average assets | 0.8995% | 1,647 |
| Noninterest expense to average assets | 3.9034% | 1,186 |
| Loan and lease loss provision to assets | 3.3435% | 124 |
| Net operating income to assets | -3.6605% | 7,373 |
| Return on assets (ROA) | -3.6605% | 7,375 |
| Pretax return on assets | -3.6605% | 7,371 |
| Return on Equity (ROE) | -75.7814% | 7,416 |
| Retained earnings to average equity (ytd only) | -75.7814% | 7,413 |
| Net charge-offs to loans | 4.6447% | 152 |
| Credit loss provision to net charge-offs | 103.7590% | 2,979 |
| Earnings coverage of net charge-offs (x) | -0.0984% | 5,344 |
| Efficiency ratio | 108.8397% | 499 |
| Assets per employee ($millions) | 4.5198% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5934% | 256 |
| Loan loss allowance to noncurrent loans | 28.8970% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 12.4218% | 237 |
| Noncurrent loans to loans | 15.8959% | 119 |
| Net loans and leases to total assets | 64.1670% | 3,425 |
| Net loans and leases to deposits | 74.4583% | 3,722 |
| Net loans and leases to core deposits | 93.0702% | 2,009 |
| Total domestic deposits to total assets | 86.1783% | 3,228 |
| Equity capital to assets | 4.1023% | 7,381 |
| Core capital (leverage) ratio | 3.9284% | 7,379 |
| Tier 1 risk-based capital ratio | 6.0604% | 7,359 |
| Total risk-based capital ratio | 7.3650% | 7,363 |
| Memoranda: | ||
| Average total assets | $345,087,670 | 1,888 |
| Average earning assets | $316,647,000 | 1,879 |
| Average equity | $16,669,000 | 3,627 |
| Average total loans | $239,414,670 | 1,780 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 6,364 |
| Cost of funding earning assets | 1.1868% | 2,903 |
| Net interest margin | 2.9764% | 6,617 |
| Noninterest income to average assets | 0.9190% | 1,589 |
| Noninterest expense to average assets | 3.9098% | 1,160 |
| Loan and lease loss provision to assets | 3.7923% | 112 |
| Net operating income to assets | -4.0491% | 7,446 |
| Return on assets (ROA) | -4.0491% | 7,450 |
| Pretax return on assets | -4.0491% | 7,437 |
| Return on Equity (ROE) | -78.2010% | 7,481 |
| Retained earnings to average equity (ytd only) | -78.2010% | 7,474 |
| Net charge-offs to loans | 4.2263% | 207 |
| Credit loss provision to net charge-offs | 127.4751% | 2,166 |
| Earnings coverage of net charge-offs (x) | -0.0863% | 4,636 |
| Efficiency ratio | 107.0313% | 559 |
| Assets per employee ($millions) | 3.4355% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5405% | 277 |
| Loan loss allowance to noncurrent loans | 30.2405% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 11.9658% | 274 |
| Noncurrent loans to loans | 15.0147% | 151 |
| Net loans and leases to total assets | 66.3377% | 2,924 |
| Net loans and leases to deposits | 78.1928% | 3,029 |
| Net loans and leases to core deposits | 98.2586% | 1,499 |
| Total domestic deposits to total assets | 84.8387% | 4,114 |
| Equity capital to assets | 4.7740% | 7,390 |
| Core capital (leverage) ratio | 4.5350% | 7,393 |
| Tier 1 risk-based capital ratio | 6.8004% | 7,382 |
| Total risk-based capital ratio | 8.0970% | 7,384 |
| Memoranda: | ||
| Average total assets | $350,397,500 | 1,883 |
| Average earning assets | $321,868,000 | 1,868 |
| Average equity | $18,143,000 | 3,380 |
| Average total loans | $246,646,500 | 1,746 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7683% | 5,542 |
| Cost of funding earning assets | 1.4608% | 2,885 |
| Net interest margin | 3.3075% | 5,957 |
| Noninterest income to average assets | 0.5956% | 3,503 |
| Noninterest expense to average assets | 3.7797% | 1,525 |
| Loan and lease loss provision to assets | 1.9523% | 686 |
| Net operating income to assets | -3.0232% | 7,299 |
| Return on assets (ROA) | -2.7416% | 7,254 |
| Pretax return on assets | -1.8401% | 6,977 |
| Return on Equity (ROE) | -39.3999% | 7,341 |
| Retained earnings to average equity (ytd only) | -39.3999% | 7,334 |
| Net charge-offs to loans | 2.4830% | 757 |
| Credit loss provision to net charge-offs | 114.7996% | 3,779 |
| Earnings coverage of net charge-offs (x) | -0.0996% | 6,221 |
| Efficiency ratio | 104.6911% | 653 |
| Assets per employee ($millions) | 3.6086% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9772% | 415 |
| Loan loss allowance to noncurrent loans | 33.9561% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 10.0635% | 405 |
| Noncurrent loans to loans | 11.7127% | 307 |
| Net loans and leases to total assets | 68.4196% | 2,881 |
| Net loans and leases to deposits | 81.8156% | 2,843 |
| Net loans and leases to core deposits | 103.0394% | 1,386 |
| Total domestic deposits to total assets | 83.6266% | 4,541 |
| Equity capital to assets | 5.5661% | 7,391 |
| Core capital (leverage) ratio | 5.2104% | 7,394 |
| Tier 1 risk-based capital ratio | 7.5114% | 7,388 |
| Total risk-based capital ratio | 8.7936% | 7,389 |
| Memoranda: | ||
| Average total assets | $402,096,800 | 1,645 |
| Average earning assets | $366,504,000 | 1,643 |
| Average equity | $27,979,800 | 2,314 |
| Average total loans | $275,398,200 | 1,626 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8762% | 5,378 |
| Cost of funding earning assets | 1.5187% | 2,854 |
| Net interest margin | 3.3575% | 5,815 |
| Noninterest income to average assets | 0.6416% | 3,175 |
| Noninterest expense to average assets | 3.5911% | 1,818 |
| Loan and lease loss provision to assets | 1.2288% | 1,153 |
| Net operating income to assets | -1.1236% | 6,955 |
| Return on assets (ROA) | -0.8636% | 6,865 |
| Pretax return on assets | -0.8636% | 6,781 |
| Return on Equity (ROE) | -11.8961% | 7,009 |
| Retained earnings to average equity (ytd only) | -11.8961% | 6,971 |
| Net charge-offs to loans | 1.6948% | 1,160 |
| Credit loss provision to net charge-offs | 106.7844% | 4,004 |
| Earnings coverage of net charge-offs (x) | 0.0914% | 5,937 |
| Efficiency ratio | 97.1548% | 863 |
| Assets per employee ($millions) | 3.8638% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4926% | 542 |
| Loan loss allowance to noncurrent loans | 32.8522% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 9.0186% | 501 |
| Noncurrent loans to loans | 10.6314% | 372 |
| Net loans and leases to total assets | 65.5829% | 3,781 |
| Net loans and leases to deposits | 78.5317% | 3,731 |
| Net loans and leases to core deposits | 100.2930% | 1,828 |
| Total domestic deposits to total assets | 83.5113% | 4,367 |
| Equity capital to assets | 7.1752% | 7,280 |
| Core capital (leverage) ratio | 6.0981% | 7,418 |
| Tier 1 risk-based capital ratio | 8.7932% | 7,398 |
| Total risk-based capital ratio | 10.0691% | 7,409 |
| Memoranda: | ||
| Average total assets | $413,308,500 | 1,630 |
| Average earning assets | $376,021,500 | 1,624 |
| Average equity | $30,003,500 | 2,196 |
| Average total loans | $280,609,500 | 1,614 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9887% | 4,991 |
| Cost of funding earning assets | 1.5013% | 3,252 |
| Net interest margin | 3.4874% | 5,295 |
| Noninterest income to average assets | 0.8210% | 2,013 |
| Noninterest expense to average assets | 3.5029% | 2,025 |
| Loan and lease loss provision to assets | 0.9688% | 1,502 |
| Net operating income to assets | -0.4803% | 6,632 |
| Return on assets (ROA) | -0.4122% | 6,620 |
| Pretax return on assets | -0.4122% | 6,524 |
| Return on Equity (ROE) | -5.6575% | 6,754 |
| Retained earnings to average equity (ytd only) | -5.6575% | 6,627 |
| Net charge-offs to loans | 2.0985% | 859 |
| Credit loss provision to net charge-offs | 68.0161% | 5,021 |
| Earnings coverage of net charge-offs (x) | 0.3429% | 5,381 |
| Efficiency ratio | 87.7627% | 1,533 |
| Assets per employee ($millions) | 4.0633% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9347% | 879 |
| Loan loss allowance to noncurrent loans | 33.9296% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 7.9058% | 627 |
| Noncurrent loans to loans | 8.6493% | 570 |
| Net loans and leases to total assets | 65.0884% | 4,024 |
| Net loans and leases to deposits | 79.4277% | 3,708 |
| Net loans and leases to core deposits | 102.0477% | 1,822 |
| Total domestic deposits to total assets | 81.9468% | 5,008 |
| Equity capital to assets | 7.3784% | 7,177 |
| Core capital (leverage) ratio | 6.3998% | 7,404 |
| Tier 1 risk-based capital ratio | 9.2327% | 7,362 |
| Total risk-based capital ratio | 10.5021% | 7,354 |
| Memoranda: | ||
| Average total assets | $419,709,330 | 1,624 |
| Average earning assets | $381,542,000 | 1,620 |
| Average equity | $30,578,670 | 2,155 |
| Average total loans | $284,872,670 | 1,601 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1743% | 4,167 |
| Cost of funding earning assets | 1.5460% | 3,295 |
| Net interest margin | 3.6283% | 4,587 |
| Noninterest income to average assets | 0.8335% | 1,872 |
| Noninterest expense to average assets | 3.4484% | 2,112 |
| Loan and lease loss provision to assets | 0.5645% | 2,244 |
| Net operating income to assets | 0.1080% | 6,000 |
| Return on assets (ROA) | 0.1080% | 6,107 |
| Pretax return on assets | 0.1080% | 6,109 |
| Return on Equity (ROE) | 1.4913% | 5,963 |
| Retained earnings to average equity (ytd only) | 1.4913% | 5,199 |
| Net charge-offs to loans | 2.6995% | 597 |
| Credit loss provision to net charge-offs | 30.6269% | 4,802 |
| Earnings coverage of net charge-offs (x) | 0.3649% | 4,712 |
| Efficiency ratio | 83.6819% | 2,051 |
| Assets per employee ($millions) | 4.1847% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7609% | 1,028 |
| Loan loss allowance to noncurrent loans | 38.4982% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 6.8474% | 800 |
| Noncurrent loans to loans | 7.1716% | 819 |
| Net loans and leases to total assets | 64.6800% | 4,177 |
| Net loans and leases to deposits | 77.2612% | 4,173 |
| Net loans and leases to core deposits | 104.8141% | 1,671 |
| Total domestic deposits to total assets | 83.7161% | 4,292 |
| Equity capital to assets | 7.2546% | 7,246 |
| Core capital (leverage) ratio | 6.4141% | 7,493 |
| Tier 1 risk-based capital ratio | 9.0279% | 7,469 |
| Total risk-based capital ratio | 10.2949% | 7,475 |
| Memoranda: | ||
| Average total assets | $422,337,500 | 1,651 |
| Average earning assets | $382,661,500 | 1,658 |
| Average equity | $30,578,000 | 2,182 |
| Average total loans | $288,350,500 | 1,632 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5772% | 3,715 |
| Cost of funding earning assets | 2.1418% | 2,269 |
| Net interest margin | 3.4355% | 5,235 |
| Noninterest income to average assets | 0.7309% | 2,781 |
| Noninterest expense to average assets | 3.4878% | 2,400 |
| Loan and lease loss provision to assets | 3.3531% | 475 |
| Net operating income to assets | -2.4041% | 7,232 |
| Return on assets (ROA) | -2.3910% | 7,233 |
| Pretax return on assets | -2.9190% | 7,269 |
| Return on Equity (ROE) | -30.1387% | 7,407 |
| Retained earnings to average equity (ytd only) | -30.1387% | 7,388 |
| Net charge-offs to loans | 3.5924% | 528 |
| Credit loss provision to net charge-offs | 129.8558% | 3,940 |
| Earnings coverage of net charge-offs (x) | 0.1619% | 5,998 |
| Efficiency ratio | 89.2947% | 1,766 |
| Assets per employee ($millions) | 4.0192% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0829% | 728 |
| Loan loss allowance to noncurrent loans | 46.2280% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 6.7014% | 787 |
| Noncurrent loans to loans | 6.6689% | 889 |
| Net loans and leases to total assets | 67.8768% | 3,732 |
| Net loans and leases to deposits | 80.7208% | 3,856 |
| Net loans and leases to core deposits | 115.9635% | 2,323 |
| Total domestic deposits to total assets | 84.0884% | 3,991 |
| Equity capital to assets | 7.2257% | 7,243 |
| Core capital (leverage) ratio | 6.6195% | 7,437 |
| Tier 1 risk-based capital ratio | 8.7611% | 7,549 |
| Total risk-based capital ratio | 10.0327% | 7,574 |
| Memoranda: | ||
| Average total assets | $426,887,800 | 1,622 |
| Average earning assets | $394,531,400 | 1,611 |
| Average equity | $33,866,800 | 1,978 |
| Average total loans | $306,841,200 | 1,562 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6658% | 3,493 |
| Cost of funding earning assets | 2.2757% | 2,088 |
| Net interest margin | 3.3900% | 5,314 |
| Noninterest income to average assets | 0.6048% | 3,660 |
| Noninterest expense to average assets | 3.3405% | 2,764 |
| Loan and lease loss provision to assets | 1.9297% | 952 |
| Net operating income to assets | -0.8417% | 6,721 |
| Return on assets (ROA) | -0.8281% | 6,708 |
| Pretax return on assets | -1.5052% | 6,966 |
| Return on Equity (ROE) | -10.2139% | 6,912 |
| Retained earnings to average equity (ytd only) | -10.2139% | 6,826 |
| Net charge-offs to loans | 1.7537% | 1,151 |
| Credit loss provision to net charge-offs | 152.1237% | 3,139 |
| Earnings coverage of net charge-offs (x) | 0.3179% | 5,702 |
| Efficiency ratio | 89.2272% | 1,762 |
| Assets per employee ($millions) | 3.7786% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5729% | 996 |
| Loan loss allowance to noncurrent loans | 49.9528% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 4.6925% | 1,277 |
| Noncurrent loans to loans | 5.1506% | 1,255 |
| Net loans and leases to total assets | 73.0371% | 2,783 |
| Net loans and leases to deposits | 91.4904% | 2,321 |
| Net loans and leases to core deposits | 119.9039% | 2,253 |
| Total domestic deposits to total assets | 79.8303% | 5,509 |
| Equity capital to assets | 8.7713% | 5,846 |
| Core capital (leverage) ratio | 7.8663% | 6,549 |
| Tier 1 risk-based capital ratio | 10.2324% | 6,750 |
| Total risk-based capital ratio | 11.5017% | 6,674 |
| Memoranda: | ||
| Average total assets | $428,105,000 | 1,631 |
| Average earning assets | $396,406,250 | 1,617 |
| Average equity | $34,710,000 | 1,956 |
| Average total loans | $309,660,250 | 1,570 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6657% | 3,735 |
| Cost of funding earning assets | 2.3981% | 1,973 |
| Net interest margin | 3.2676% | 5,674 |
| Noninterest income to average assets | 0.4161% | 5,152 |
| Noninterest expense to average assets | 3.3157% | 2,894 |
| Loan and lease loss provision to assets | 1.8477% | 888 |
| Net operating income to assets | -0.9465% | 6,931 |
| Return on assets (ROA) | -0.9264% | 6,926 |
| Pretax return on assets | -1.6853% | 7,165 |
| Return on Equity (ROE) | -11.7297% | 7,158 |
| Retained earnings to average equity (ytd only) | -11.7297% | 7,036 |
| Net charge-offs to loans | 2.0532% | 904 |
| Credit loss provision to net charge-offs | 125.8642% | 3,691 |
| Earnings coverage of net charge-offs (x) | 0.0893% | 5,586 |
| Efficiency ratio | 96.1986% | 1,359 |
| Assets per employee ($millions) | 4.0071% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1196% | 1,356 |
| Loan loss allowance to noncurrent loans | 63.6094% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 3.1698% | 1,979 |
| Noncurrent loans to loans | 3.3322% | 2,113 |
| Net loans and leases to total assets | 71.5569% | 3,332 |
| Net loans and leases to deposits | 90.3464% | 2,781 |
| Net loans and leases to core deposits | 120.1947% | 2,355 |
| Total domestic deposits to total assets | 79.2029% | 5,747 |
| Equity capital to assets | 8.5208% | 6,014 |
| Core capital (leverage) ratio | 7.6902% | 6,771 |
| Tier 1 risk-based capital ratio | 10.2808% | 6,618 |
| Total risk-based capital ratio | 11.5407% | 6,541 |
| Memoranda: | ||
| Average total assets | $433,518,000 | 1,631 |
| Average earning assets | $402,068,670 | 1,611 |
| Average equity | $34,238,000 | 1,976 |
| Average total loans | $309,960,670 | 1,600 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6040% | 4,331 |
| Cost of funding earning assets | 2.5480% | 1,744 |
| Net interest margin | 3.0560% | 6,319 |
| Noninterest income to average assets | 0.4120% | 5,117 |
| Noninterest expense to average assets | 3.1558% | 3,170 |
| Loan and lease loss provision to assets | 1.2462% | 1,037 |
| Net operating income to assets | -0.5436% | 6,920 |
| Return on assets (ROA) | -0.5377% | 6,960 |
| Pretax return on assets | -1.1489% | 7,225 |
| Return on Equity (ROE) | -7.0837% | 7,153 |
| Retained earnings to average equity (ytd only) | -7.0837% | 6,801 |
| Net charge-offs to loans | 0.9721% | 1,380 |
| Credit loss provision to net charge-offs | 181.3084% | 2,401 |
| Earnings coverage of net charge-offs (x) | 0.1282% | 4,872 |
| Efficiency ratio | 97.2843% | 1,255 |
| Assets per employee ($millions) | 4.1995% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1084% | 1,218 |
| Loan loss allowance to noncurrent loans | 56.9480% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 3.7898% | 1,394 |
| Noncurrent loans to loans | 3.7022% | 1,688 |
| Net loans and leases to total assets | 67.7063% | 4,205 |
| Net loans and leases to deposits | 84.9305% | 3,833 |
| Net loans and leases to core deposits | 117.1751% | 2,668 |
| Total domestic deposits to total assets | 79.7196% | 5,458 |
| Equity capital to assets | 8.0815% | 6,696 |
| Core capital (leverage) ratio | 8.1075% | 6,274 |
| Tier 1 risk-based capital ratio | 10.6654% | 6,225 |
| Total risk-based capital ratio | 11.9243% | 6,124 |
| Memoranda: | ||
| Average total assets | $435,896,000 | 1,633 |
| Average earning assets | $403,928,500 | 1,611 |
| Average equity | $33,090,000 | 2,047 |
| Average total loans | $308,214,500 | 1,622 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5108% | 2,907 |
| Cost of funding earning assets | 2.8967% | 2,276 |
| Net interest margin | 3.6141% | 4,818 |
| Noninterest income to average assets | 0.5854% | 3,971 |
| Noninterest expense to average assets | 3.1867% | 3,387 |
| Loan and lease loss provision to assets | 1.5151% | 885 |
| Net operating income to assets | -0.3920% | 6,815 |
| Return on assets (ROA) | -0.5382% | 6,834 |
| Pretax return on assets | -0.9885% | 6,990 |
| Return on Equity (ROE) | -6.9939% | 7,049 |
| Retained earnings to average equity (ytd only) | -9.1574% | 6,985 |
| Net charge-offs to loans | 1.6293% | 694 |
| Credit loss provision to net charge-offs | 126.9741% | 4,208 |
| Earnings coverage of net charge-offs (x) | 0.6327% | 5,844 |
| Efficiency ratio | 80.8471% | 2,477 |
| Assets per employee ($millions) | 4.2658% | 3,008 |
| Cash dividends to net income (ytd only)* | -30.9346% | 8,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8690% | 1,489 |
| Loan loss allowance to noncurrent loans | 58.6676% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 3.1382% | 1,458 |
| Noncurrent loans to loans | 3.1857% | 1,655 |
| Net loans and leases to total assets | 70.9371% | 3,800 |
| Net loans and leases to deposits | 87.5646% | 3,857 |
| Net loans and leases to core deposits | 122.1669% | 2,492 |
| Total domestic deposits to total assets | 81.0112% | 4,631 |
| Equity capital to assets | 7.0895% | 7,689 |
| Core capital (leverage) ratio | 7.0926% | 7,620 |
| Tier 1 risk-based capital ratio | 9.1575% | 7,660 |
| Total risk-based capital ratio | 10.4139% | 7,617 |
| Memoranda: | ||
| Average total assets | $423,482,800 | 1,607 |
| Average earning assets | $393,270,200 | 1,582 |
| Average equity | $32,585,600 | 2,079 |
| Average total loans | $310,129,200 | 1,563 |