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Premier Bank, Performance and Condition Ratios
| 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 | 4.2126% | 7,074 |
| Cost of funding earning assets | 2.5553% | 115 |
| Net interest margin | 1.6573% | 7,649 |
| Noninterest income to average assets | -0.3811% | 7,652 |
| Noninterest expense to average assets | 2.6814% | 4,956 |
| Loan and lease loss provision to assets | 2.2754% | 489 |
| Net operating income to assets | -3.9839% | 7,573 |
| Return on assets (ROA) | -3.8189% | 7,569 |
| Pretax return on assets | -3.7907% | 7,542 |
| Return on Equity (ROE) | -164.9260% | 7,733 |
| Retained earnings to average equity (ytd only) | -164.9260% | 7,733 |
| Net charge-offs to loans | 5.6222% | 129 |
| Credit loss provision to net charge-offs | 55.7481% | 5,789 |
| Earnings coverage of net charge-offs (x) | -0.4117% | 6,297 |
| Efficiency ratio | 267.8287% | 37 |
| Assets per employee ($millions) | 6.5959% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4548% | 34 |
| Loan loss allowance to noncurrent loans | 27.7114% | 6,470 |
| Noncurrent assets plus other real estate owned to assets | 36.1795% | 2 |
| Noncurrent loans to loans | 30.5101% | 17 |
| Net loans and leases to total assets | 63.6714% | 4,192 |
| Net loans and leases to deposits | 72.4611% | 4,766 |
| Net loans and leases to core deposits | 78.7604% | 4,704 |
| Total domestic deposits to total assets | 87.8697% | 2,036 |
| Equity capital to assets | 1.0713% | 7,743 |
| Core capital (leverage) ratio | 0.9134% | 7,742 |
| Tier 1 risk-based capital ratio | 1.1855% | 7,744 |
| Total risk-based capital ratio | 2.3711% | 7,744 |
| Memoranda: | ||
| Average total assets | $1,169,020,000 | 572 |
| Average earning assets | $974,981,250 | 612 |
| Average equity | $27,069,250 | 2,404 |
| Average total loans | $848,663,750 | 523 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4158% | 6,867 |
| Cost of funding earning assets | 2.6227% | 119 |
| Net interest margin | 1.7931% | 7,697 |
| Noninterest income to average assets | -1.0430% | 7,796 |
| Noninterest expense to average assets | 2.6437% | 5,156 |
| Loan and lease loss provision to assets | 1.9937% | 616 |
| Net operating income to assets | -4.2039% | 7,643 |
| Return on assets (ROA) | -4.0916% | 7,637 |
| Pretax return on assets | -4.0540% | 7,607 |
| Return on Equity (ROE) | -154.4319% | 7,779 |
| Retained earnings to average equity (ytd only) | -154.4319% | 7,779 |
| Net charge-offs to loans | 7.4085% | 78 |
| Credit loss provision to net charge-offs | 36.6558% | 5,653 |
| Earnings coverage of net charge-offs (x) | -0.3995% | 5,981 |
| Efficiency ratio | 561.2992% | 13 |
| Assets per employee ($millions) | 6.1282% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4257% | 80 |
| Loan loss allowance to noncurrent loans | 31.7625% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 25.6360% | 18 |
| Noncurrent loans to loans | 20.2305% | 84 |
| Net loans and leases to total assets | 65.0679% | 4,029 |
| Net loans and leases to deposits | 74.8429% | 4,540 |
| Net loans and leases to core deposits | 83.6008% | 4,188 |
| Total domestic deposits to total assets | 86.9394% | 2,557 |
| Equity capital to assets | 1.6129% | 7,801 |
| Core capital (leverage) ratio | 1.4858% | 7,796 |
| Tier 1 risk-based capital ratio | 1.8973% | 7,800 |
| Total risk-based capital ratio | 3.2004% | 7,799 |
| Memoranda: | ||
| Average total assets | $1,228,899,330 | 543 |
| Average earning assets | $1,037,631,330 | 573 |
| Average equity | $32,559,330 | 2,031 |
| Average total loans | $902,174,000 | 498 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5006% | 6,788 |
| Cost of funding earning assets | 2.7055% | 117 |
| Net interest margin | 1.7951% | 7,775 |
| Noninterest income to average assets | -0.8342% | 7,891 |
| Noninterest expense to average assets | 2.5636% | 5,496 |
| Loan and lease loss provision to assets | 1.0384% | 1,190 |
| Net operating income to assets | -2.9767% | 7,638 |
| Return on assets (ROA) | -2.9786% | 7,634 |
| Pretax return on assets | -2.9084% | 7,584 |
| Return on Equity (ROE) | -94.8882% | 7,818 |
| Retained earnings to average equity (ytd only) | -94.8882% | 7,815 |
| Net charge-offs to loans | 7.1708% | 124 |
| Credit loss provision to net charge-offs | 19.2444% | 4,957 |
| Earnings coverage of net charge-offs (x) | -0.3462% | 5,229 |
| Efficiency ratio | 368.5806% | 30 |
| Assets per employee ($millions) | 5.7240% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6205% | 74 |
| Loan loss allowance to noncurrent loans | 31.3569% | 6,324 |
| Noncurrent assets plus other real estate owned to assets | 24.8417% | 27 |
| Noncurrent loans to loans | 21.1134% | 66 |
| Net loans and leases to total assets | 68.2466% | 3,324 |
| Net loans and leases to deposits | 79.4808% | 3,748 |
| Net loans and leases to core deposits | 92.1656% | 3,087 |
| Total domestic deposits to total assets | 85.8656% | 3,226 |
| Equity capital to assets | 2.7887% | 7,859 |
| Core capital (leverage) ratio | 2.7051% | 7,855 |
| Tier 1 risk-based capital ratio | 3.3467% | 7,863 |
| Total risk-based capital ratio | 4.6549% | 7,863 |
| Memoranda: | ||
| Average total assets | $1,251,980,000 | 551 |
| Average earning assets | $1,066,875,000 | 579 |
| Average equity | $39,301,000 | 1,709 |
| Average total loans | $942,046,000 | 496 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8379% | 6,864 |
| Cost of funding earning assets | 3.1535% | 146 |
| Net interest margin | 1.6845% | 7,836 |
| Noninterest income to average assets | 0.3311% | 5,717 |
| Noninterest expense to average assets | 2.8293% | 4,839 |
| Loan and lease loss provision to assets | 5.0867% | 181 |
| Net operating income to assets | -5.7151% | 7,817 |
| Return on assets (ROA) | -5.5849% | 7,794 |
| Pretax return on assets | -5.9635% | 7,799 |
| Return on Equity (ROE) | -92.2220% | 7,909 |
| Retained earnings to average equity (ytd only) | -92.2220% | 7,907 |
| Net charge-offs to loans | 2.6271% | 859 |
| Credit loss provision to net charge-offs | 251.4032% | 1,407 |
| Earnings coverage of net charge-offs (x) | -0.5018% | 6,692 |
| Efficiency ratio | 153.1651% | 294 |
| Assets per employee ($millions) | 5.3911% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6140% | 47 |
| Loan loss allowance to noncurrent loans | 64.8865% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 17.8099% | 84 |
| Noncurrent loans to loans | 11.7343% | 295 |
| Net loans and leases to total assets | 71.4971% | 2,886 |
| Net loans and leases to deposits | 83.8389% | 3,307 |
| Net loans and leases to core deposits | 107.0973% | 3,209 |
| Total domestic deposits to total assets | 85.2791% | 3,421 |
| Equity capital to assets | 3.4872% | 7,892 |
| Core capital (leverage) ratio | 3.2438% | 7,896 |
| Tier 1 risk-based capital ratio | 4.1297% | 7,905 |
| Total risk-based capital ratio | 5.4516% | 7,905 |
| Memoranda: | ||
| Average total assets | $1,426,452,400 | 477 |
| Average earning assets | $1,255,763,800 | 488 |
| Average equity | $86,385,000 | 738 |
| Average total loans | $1,098,645,800 | 450 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8218% | 7,074 |
| Cost of funding earning assets | 3.2184% | 179 |
| Net interest margin | 1.6034% | 7,931 |
| Noninterest income to average assets | 0.3639% | 5,593 |
| Noninterest expense to average assets | 2.6851% | 5,387 |
| Loan and lease loss provision to assets | 3.9308% | 312 |
| Net operating income to assets | -4.8461% | 7,828 |
| Return on assets (ROA) | -4.6710% | 7,810 |
| Pretax return on assets | -4.6566% | 7,771 |
| Return on Equity (ROE) | -70.7184% | 7,934 |
| Retained earnings to average equity (ytd only) | -70.7184% | 7,932 |
| Net charge-offs to loans | 2.9677% | 568 |
| Credit loss provision to net charge-offs | 172.1520% | 2,695 |
| Earnings coverage of net charge-offs (x) | -0.3945% | 6,424 |
| Efficiency ratio | 150.4934% | 315 |
| Assets per employee ($millions) | 5.7901% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6856% | 176 |
| Loan loss allowance to noncurrent loans | 41.2714% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 16.0750% | 98 |
| Noncurrent loans to loans | 11.3531% | 308 |
| Net loans and leases to total assets | 71.5492% | 3,144 |
| Net loans and leases to deposits | 86.7375% | 3,179 |
| Net loans and leases to core deposits | 108.5860% | 3,398 |
| Total domestic deposits to total assets | 82.4894% | 4,458 |
| Equity capital to assets | 5.2195% | 7,935 |
| Core capital (leverage) ratio | 4.9258% | 7,927 |
| Tier 1 risk-based capital ratio | 6.2026% | 7,945 |
| Total risk-based capital ratio | 7.4896% | 7,948 |
| Memoranda: | ||
| Average total assets | $1,469,035,250 | 481 |
| Average earning assets | $1,301,315,750 | 483 |
| Average equity | $97,030,250 | 683 |
| Average total loans | $1,130,280,750 | 450 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8760% | 7,085 |
| Cost of funding earning assets | 3.2683% | 225 |
| Net interest margin | 1.6077% | 7,989 |
| Noninterest income to average assets | 0.3912% | 5,368 |
| Noninterest expense to average assets | 2.4826% | 6,171 |
| Loan and lease loss provision to assets | 3.7763% | 350 |
| Net operating income to assets | -4.4380% | 7,887 |
| Return on assets (ROA) | -4.4353% | 7,886 |
| Pretax return on assets | -4.4352% | 7,802 |
| Return on Equity (ROE) | -63.0961% | 7,993 |
| Retained earnings to average equity (ytd only) | -63.0961% | 7,989 |
| Net charge-offs to loans | 2.4345% | 723 |
| Credit loss provision to net charge-offs | 200.1131% | 2,267 |
| Earnings coverage of net charge-offs (x) | -0.3506% | 5,992 |
| Efficiency ratio | 136.3317% | 468 |
| Assets per employee ($millions) | 6.0227% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0438% | 248 |
| Loan loss allowance to noncurrent loans | 43.3420% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 14.0397% | 119 |
| Noncurrent loans to loans | 9.3300% | 407 |
| Net loans and leases to total assets | 71.8245% | 3,269 |
| Net loans and leases to deposits | 87.5186% | 3,258 |
| Net loans and leases to core deposits | 107.5013% | 3,664 |
| Total domestic deposits to total assets | 82.0677% | 4,664 |
| Equity capital to assets | 6.1722% | 7,897 |
| Core capital (leverage) ratio | 5.9095% | 7,942 |
| Tier 1 risk-based capital ratio | 7.3540% | 7,973 |
| Total risk-based capital ratio | 8.6340% | 7,982 |
| Memoranda: | ||
| Average total assets | $1,499,366,000 | 479 |
| Average earning assets | $1,333,482,330 | 489 |
| Average equity | $105,398,000 | 634 |
| Average total loans | $1,162,224,670 | 446 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8652% | 7,253 |
| Cost of funding earning assets | 3.3169% | 258 |
| Net interest margin | 1.5483% | 8,048 |
| Noninterest income to average assets | 0.3820% | 5,367 |
| Noninterest expense to average assets | 2.5842% | 5,520 |
| Loan and lease loss provision to assets | 4.8366% | 176 |
| Net operating income to assets | -5.6558% | 8,072 |
| Return on assets (ROA) | -5.6505% | 8,065 |
| Pretax return on assets | -5.6505% | 8,028 |
| Return on Equity (ROE) | -75.8913% | 8,114 |
| Retained earnings to average equity (ytd only) | -75.8913% | 8,104 |
| Net charge-offs to loans | 3.1344% | 408 |
| Credit loss provision to net charge-offs | 195.8079% | 2,257 |
| Earnings coverage of net charge-offs (x) | -0.3316% | 5,196 |
| Efficiency ratio | 146.4083% | 374 |
| Assets per employee ($millions) | 6.0685% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3689% | 350 |
| Loan loss allowance to noncurrent loans | 32.6422% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 13.9617% | 96 |
| Noncurrent loans to loans | 10.3208% | 273 |
| Net loans and leases to total assets | 74.8570% | 2,540 |
| Net loans and leases to deposits | 91.6277% | 2,665 |
| Net loans and leases to core deposits | 112.8134% | 3,131 |
| Total domestic deposits to total assets | 81.6969% | 4,679 |
| Equity capital to assets | 6.7859% | 7,770 |
| Core capital (leverage) ratio | 6.6790% | 7,806 |
| Tier 1 risk-based capital ratio | 8.0000% | 8,012 |
| Total risk-based capital ratio | 9.2730% | 8,035 |
| Memoranda: | ||
| Average total assets | $1,514,276,500 | 480 |
| Average earning assets | $1,352,721,000 | 488 |
| Average equity | $112,745,500 | 596 |
| Average total loans | $1,193,349,500 | 445 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0134% | 5,485 |
| Cost of funding earning assets | 3.3940% | 722 |
| Net interest margin | 2.6193% | 7,622 |
| Noninterest income to average assets | 0.2069% | 6,960 |
| Noninterest expense to average assets | 2.2046% | 6,951 |
| Loan and lease loss provision to assets | 2.6152% | 388 |
| Net operating income to assets | -2.1152% | 7,629 |
| Return on assets (ROA) | -2.0838% | 7,585 |
| Pretax return on assets | -2.1720% | 7,495 |
| Return on Equity (ROE) | -22.9440% | 7,824 |
| Retained earnings to average equity (ytd only) | -22.9440% | 7,757 |
| Net charge-offs to loans | 2.5100% | 379 |
| Credit loss provision to net charge-offs | 122.0624% | 4,402 |
| Earnings coverage of net charge-offs (x) | 0.1916% | 6,127 |
| Efficiency ratio | 84.3010% | 2,023 |
| Assets per employee ($millions) | 5.7493% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4834% | 693 |
| Loan loss allowance to noncurrent loans | 53.1755% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 8.6611% | 245 |
| Noncurrent loans to loans | 4.6701% | 1,004 |
| Net loans and leases to total assets | 78.1401% | 2,102 |
| Net loans and leases to deposits | 96.5608% | 2,358 |
| Net loans and leases to core deposits | 118.9177% | 2,796 |
| Total domestic deposits to total assets | 80.9232% | 4,675 |
| Equity capital to assets | 8.0970% | 6,702 |
| Core capital (leverage) ratio | 7.9553% | 6,562 |
| Tier 1 risk-based capital ratio | 9.1851% | 7,631 |
| Total risk-based capital ratio | 10.4479% | 7,571 |
| Memoranda: | ||
| Average total assets | $1,535,235,600 | 458 |
| Average earning assets | $1,411,539,800 | 453 |
| Average equity | $139,435,200 | 502 |
| Average total loans | $1,310,481,400 | 398 |