Home > Premier Bank > Performance and Condition Ratios
Premier Bank, Performance and Condition Ratios
| 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 | 4.3513% | 5,599 |
| Cost of funding earning assets | 2.7902% | 13 |
| Net interest margin | 1.5611% | 7,283 |
| Noninterest income to average assets | -0.0999% | 7,099 |
| Noninterest expense to average assets | 2.5628% | 5,238 |
| Loan and lease loss provision to assets | 2.1454% | 248 |
| Net operating income to assets | -3.4777% | 7,225 |
| Return on assets (ROA) | -3.2104% | 7,208 |
| Pretax return on assets | -3.2104% | 7,209 |
| Return on Equity (ROE) | -88.2682% | 7,299 |
| Retained earnings to average equity (ytd only) | -88.2682% | 7,299 |
| Net charge-offs to loans | 0.0613% | 5,683 |
| Credit loss provision to net charge-offs | 5,886.5385% | 42 |
| Earnings coverage of net charge-offs (x) | -36.5577% | 6,422 |
| Efficiency ratio | 208.2882% | 54 |
| Assets per employee ($millions) | 11.6827% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7050% | 36 |
| Loan loss allowance to noncurrent loans | 22.9604% | 6,514 |
| Noncurrent assets plus other real estate owned to assets | 21.1259% | 41 |
| Noncurrent loans to loans | 33.5576% | 9 |
| Net loans and leases to total assets | 53.9101% | 5,050 |
| Net loans and leases to deposits | 72.8102% | 3,696 |
| Net loans and leases to core deposits | 88.3001% | 2,344 |
| Total domestic deposits to total assets | 74.0420% | 6,712 |
| Equity capital to assets | 2.0469% | 7,323 |
| Core capital (leverage) ratio | 1.4058% | 7,340 |
| Tier 1 risk-based capital ratio | 2.2988% | 7,334 |
| Total risk-based capital ratio | 3.6221% | 7,334 |
| Memoranda: | ||
| Average total assets | $285,357,400 | 2,232 |
| Average earning assets | $243,169,400 | 2,367 |
| Average equity | $10,378,600 | 4,930 |
| Average total loans | $169,745,800 | 2,380 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 5,218 |
| Cost of funding earning assets | 2.8817% | 12 |
| Net interest margin | 1.6335% | 7,355 |
| Noninterest income to average assets | 0.0916% | 6,788 |
| Noninterest expense to average assets | 2.1253% | 6,460 |
| Loan and lease loss provision to assets | 1.8978% | 302 |
| Net operating income to assets | -2.5609% | 7,218 |
| Return on assets (ROA) | -2.4495% | 7,211 |
| Pretax return on assets | -2.4495% | 7,199 |
| Return on Equity (ROE) | -61.1456% | 7,326 |
| Retained earnings to average equity (ytd only) | -61.1456% | 7,323 |
| Net charge-offs to loans | 0.0848% | 5,126 |
| Credit loss provision to net charge-offs | 3,746.3636% | 84 |
| Earnings coverage of net charge-offs (x) | -13.0912% | 6,142 |
| Efficiency ratio | 145.3543% | 159 |
| Assets per employee ($millions) | 11.0936% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3554% | 71 |
| Loan loss allowance to noncurrent loans | 21.1815% | 6,640 |
| Noncurrent assets plus other real estate owned to assets | 18.9865% | 69 |
| Noncurrent loans to loans | 30.0046% | 15 |
| Net loans and leases to total assets | 53.5853% | 5,229 |
| Net loans and leases to deposits | 73.3323% | 3,756 |
| Net loans and leases to core deposits | 92.6076% | 1,923 |
| Total domestic deposits to total assets | 73.0719% | 6,850 |
| Equity capital to assets | 3.5523% | 7,341 |
| Core capital (leverage) ratio | 2.6493% | 7,366 |
| Tier 1 risk-based capital ratio | 4.3752% | 7,354 |
| Total risk-based capital ratio | 5.6801% | 7,355 |
| Memoranda: | ||
| Average total assets | $289,521,000 | 2,213 |
| Average earning assets | $242,909,750 | 2,378 |
| Average equity | $11,598,250 | 4,663 |
| Average total loans | $172,944,500 | 2,353 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0102% | 3,112 |
| Cost of funding earning assets | 2.9584% | 12 |
| Net interest margin | 2.0518% | 7,358 |
| Noninterest income to average assets | 0.1206% | 6,727 |
| Noninterest expense to average assets | 1.8748% | 6,978 |
| Loan and lease loss provision to assets | 0.0150% | 6,096 |
| Net operating income to assets | -0.0886% | 6,336 |
| Return on assets (ROA) | 0.0157% | 6,280 |
| Pretax return on assets | 0.0157% | 6,246 |
| Return on Equity (ROE) | 0.3777% | 6,221 |
| Retained earnings to average equity (ytd only) | 0.3777% | 5,693 |
| Net charge-offs to loans | -0.5189% | 7,406 |
| Credit loss provision to net charge-offs | -4.7722% | 6,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0847% | 616 |
| Assets per employee ($millions) | 11.4035% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7650% | 483 |
| Loan loss allowance to noncurrent loans | 28.8555% | 6,332 |
| Noncurrent assets plus other real estate owned to assets | 8.0141% | 576 |
| Noncurrent loans to loans | 13.0476% | 205 |
| Net loans and leases to total assets | 56.5372% | 4,895 |
| Net loans and leases to deposits | 78.0306% | 3,114 |
| Net loans and leases to core deposits | 96.8589% | 1,604 |
| Total domestic deposits to total assets | 72.4551% | 6,980 |
| Equity capital to assets | 4.4369% | 7,360 |
| Core capital (leverage) ratio | 4.4096% | 7,346 |
| Tier 1 risk-based capital ratio | 6.6505% | 7,331 |
| Total risk-based capital ratio | 7.9264% | 7,335 |
| Memoranda: | ||
| Average total assets | $293,581,670 | 2,187 |
| Average earning assets | $240,469,000 | 2,422 |
| Average equity | $12,180,330 | 4,511 |
| Average total loans | $177,693,000 | 2,311 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0440% | 2,887 |
| Cost of funding earning assets | 3.1189% | 11 |
| Net interest margin | 1.9251% | 7,426 |
| Noninterest income to average assets | 0.1260% | 6,789 |
| Noninterest expense to average assets | 1.7924% | 7,150 |
| Loan and lease loss provision to assets | 0.0301% | 5,591 |
| Net operating income to assets | -0.1753% | 6,533 |
| Return on assets (ROA) | 0.0192% | 6,349 |
| Pretax return on assets | 0.0192% | 6,328 |
| Return on Equity (ROE) | 0.4789% | 6,266 |
| Retained earnings to average equity (ytd only) | 0.4789% | 5,631 |
| Net charge-offs to loans | -0.9005% | 7,474 |
| Credit loss provision to net charge-offs | -5.4455% | 5,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8113% | 524 |
| Assets per employee ($millions) | 11.3073% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6612% | 536 |
| Loan loss allowance to noncurrent loans | 29.7392% | 6,315 |
| Noncurrent assets plus other real estate owned to assets | 7.7873% | 621 |
| Noncurrent loans to loans | 12.3110% | 262 |
| Net loans and leases to total assets | 58.1868% | 4,613 |
| Net loans and leases to deposits | 80.5864% | 2,598 |
| Net loans and leases to core deposits | 101.0533% | 1,262 |
| Total domestic deposits to total assets | 72.2043% | 7,069 |
| Equity capital to assets | 4.0573% | 7,438 |
| Core capital (leverage) ratio | 4.4254% | 7,402 |
| Tier 1 risk-based capital ratio | 6.3544% | 7,412 |
| Total risk-based capital ratio | 7.6278% | 7,412 |
| Memoranda: | ||
| Average total assets | $292,127,500 | 2,210 |
| Average earning assets | $230,850,500 | 2,536 |
| Average equity | $11,693,000 | 4,624 |
| Average total loans | $179,447,000 | 2,316 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5563% | 2,063 |
| Cost of funding earning assets | 3.4332% | 10 |
| Net interest margin | 2.1231% | 7,423 |
| Noninterest income to average assets | 0.4074% | 4,846 |
| Noninterest expense to average assets | 2.0815% | 6,887 |
| Loan and lease loss provision to assets | 4.3518% | 130 |
| Net operating income to assets | -4.2192% | 7,466 |
| Return on assets (ROA) | -3.8574% | 7,433 |
| Pretax return on assets | -3.8681% | 7,418 |
| Return on Equity (ROE) | -58.3514% | 7,473 |
| Retained earnings to average equity (ytd only) | -58.7516% | 7,476 |
| Net charge-offs to loans | 5.6390% | 119 |
| Credit loss provision to net charge-offs | 132.0631% | 2,981 |
| Earnings coverage of net charge-offs (x) | 0.0370% | 6,081 |
| Efficiency ratio | 94.4667% | 1,038 |
| Assets per employee ($millions) | 10.0091% | 247 |
| Cash dividends to net income (ytd only)* | -0.6857% | 7,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3503% | 657 |
| Loan loss allowance to noncurrent loans | 28.8653% | 6,358 |
| Noncurrent assets plus other real estate owned to assets | 7.6582% | 669 |
| Noncurrent loans to loans | 11.6065% | 316 |
| Net loans and leases to total assets | 60.3774% | 4,618 |
| Net loans and leases to deposits | 84.2896% | 2,408 |
| Net loans and leases to core deposits | 108.7298% | 1,003 |
| Total domestic deposits to total assets | 71.6310% | 7,116 |
| Equity capital to assets | 3.9474% | 7,508 |
| Core capital (leverage) ratio | 4.0756% | 7,492 |
| Tier 1 risk-based capital ratio | 6.2658% | 7,468 |
| Total risk-based capital ratio | 7.5363% | 7,469 |
| Memoranda: | ||
| Average total assets | $328,898,600 | 1,979 |
| Average earning assets | $278,222,800 | 2,127 |
| Average equity | $21,742,400 | 2,911 |
| Average total loans | $192,197,200 | 2,231 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5953% | 2,081 |
| Cost of funding earning assets | 3.4210% | 12 |
| Net interest margin | 2.1744% | 7,520 |
| Noninterest income to average assets | 0.5569% | 3,733 |
| Noninterest expense to average assets | 2.0589% | 6,937 |
| Loan and lease loss provision to assets | 1.0015% | 1,484 |
| Net operating income to assets | -0.6419% | 6,688 |
| Return on assets (ROA) | -0.2005% | 6,385 |
| Pretax return on assets | -0.1985% | 6,318 |
| Return on Equity (ROE) | -2.7912% | 6,476 |
| Retained earnings to average equity (ytd only) | -3.2683% | 6,384 |
| Net charge-offs to loans | 1.3975% | 1,453 |
| Credit loss provision to net charge-offs | 124.4738% | 3,292 |
| Earnings coverage of net charge-offs (x) | 0.4493% | 5,574 |
| Efficiency ratio | 85.0635% | 1,723 |
| Assets per employee ($millions) | 10.6969% | 221 |
| Cash dividends to net income (ytd only)* | -17.0928% | 7,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 3,453 |
| Loan loss allowance to noncurrent loans | 25.7925% | 6,587 |
| Noncurrent assets plus other real estate owned to assets | 4.1464% | 1,661 |
| Noncurrent loans to loans | 6.2703% | 966 |
| Net loans and leases to total assets | 58.7647% | 5,145 |
| Net loans and leases to deposits | 87.6362% | 2,059 |
| Net loans and leases to core deposits | 122.4132% | 546 |
| Total domestic deposits to total assets | 67.0553% | 7,427 |
| Equity capital to assets | 7.6789% | 7,015 |
| Core capital (leverage) ratio | 7.4866% | 6,854 |
| Tier 1 risk-based capital ratio | 11.0700% | 6,317 |
| Total risk-based capital ratio | 12.3217% | 6,302 |
| Memoranda: | ||
| Average total assets | $338,557,250 | 1,958 |
| Average earning assets | $290,163,500 | 2,080 |
| Average equity | $24,313,500 | 2,672 |
| Average total loans | $194,914,250 | 2,238 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6249% | 2,046 |
| Cost of funding earning assets | 3.4201% | 14 |
| Net interest margin | 2.2048% | 7,579 |
| Noninterest income to average assets | 0.2688% | 5,999 |
| Noninterest expense to average assets | 1.9191% | 7,232 |
| Loan and lease loss provision to assets | 0.3832% | 3,418 |
| Net operating income to assets | -0.1123% | 6,247 |
| Return on assets (ROA) | 0.1568% | 5,819 |
| Pretax return on assets | 0.1585% | 5,866 |
| Return on Equity (ROE) | 2.2310% | 5,562 |
| Retained earnings to average equity (ytd only) | 1.5204% | 5,109 |
| Net charge-offs to loans | 0.1633% | 4,639 |
| Credit loss provision to net charge-offs | 412.5000% | 885 |
| Earnings coverage of net charge-offs (x) | 2.9063% | 3,542 |
| Efficiency ratio | 87.6658% | 1,543 |
| Assets per employee ($millions) | 11.2913% | 190 |
| Cash dividends to net income (ytd only)* | 31.8519% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6078% | 3,410 |
| Loan loss allowance to noncurrent loans | 25.1399% | 6,668 |
| Noncurrent assets plus other real estate owned to assets | 4.2372% | 1,584 |
| Noncurrent loans to loans | 6.3954% | 949 |
| Net loans and leases to total assets | 56.0046% | 5,707 |
| Net loans and leases to deposits | 86.6322% | 2,413 |
| Net loans and leases to core deposits | 126.9143% | 488 |
| Total domestic deposits to total assets | 64.6464% | 7,569 |
| Equity capital to assets | 7.1932% | 7,279 |
| Core capital (leverage) ratio | 7.2572% | 7,028 |
| Tier 1 risk-based capital ratio | 10.9669% | 6,271 |
| Total risk-based capital ratio | 12.2183% | 6,259 |
| Memoranda: | ||
| Average total assets | $344,440,670 | 1,940 |
| Average earning assets | $299,987,330 | 2,026 |
| Average equity | $24,204,000 | 2,673 |
| Average total loans | $195,992,330 | 2,255 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9352% | 1,116 |
| Cost of funding earning assets | 3.4035% | 18 |
| Net interest margin | 2.5316% | 7,447 |
| Noninterest income to average assets | 0.2327% | 6,295 |
| Noninterest expense to average assets | 1.9258% | 7,293 |
| Loan and lease loss provision to assets | 0.5920% | 2,142 |
| Net operating income to assets | -0.0346% | 6,355 |
| Return on assets (ROA) | 0.2822% | 5,495 |
| Pretax return on assets | 0.2822% | 5,654 |
| Return on Equity (ROE) | 4.0625% | 4,870 |
| Retained earnings to average equity (ytd only) | 2.6365% | 4,564 |
| Net charge-offs to loans | 0.1093% | 4,335 |
| Credit loss provision to net charge-offs | 951.8519% | 489 |
| Earnings coverage of net charge-offs (x) | 8.9630% | 1,909 |
| Efficiency ratio | 77.5510% | 2,968 |
| Assets per employee ($millions) | 11.8654% | 180 |
| Cash dividends to net income (ytd only)* | 35.1020% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 3,587 |
| Loan loss allowance to noncurrent loans | 68.3952% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.6007% | 4,094 |
| Noncurrent loans to loans | 2.2917% | 3,396 |
| Net loans and leases to total assets | 55.8457% | 5,766 |
| Net loans and leases to deposits | 86.4871% | 2,505 |
| Net loans and leases to core deposits | 126.2327% | 575 |
| Total domestic deposits to total assets | 64.5711% | 7,660 |
| Equity capital to assets | 7.3046% | 7,210 |
| Core capital (leverage) ratio | 7.1325% | 7,154 |
| Tier 1 risk-based capital ratio | 10.7883% | 6,356 |
| Total risk-based capital ratio | 12.0391% | 6,333 |
| Memoranda: | ||
| Average total assets | $347,292,000 | 1,968 |
| Average earning assets | $308,736,500 | 2,024 |
| Average equity | $24,123,000 | 2,708 |
| Average total loans | $197,584,000 | 2,297 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1180% | 1,468 |
| Cost of funding earning assets | 3.6652% | 27 |
| Net interest margin | 2.4528% | 7,471 |
| Noninterest income to average assets | 0.3760% | 5,409 |
| Noninterest expense to average assets | 1.4638% | 7,819 |
| Loan and lease loss provision to assets | 1.8506% | 1,217 |
| Net operating income to assets | -0.6522% | 6,316 |
| Return on assets (ROA) | -0.4873% | 6,156 |
| Pretax return on assets | -0.4858% | 5,996 |
| Return on Equity (ROE) | -8.3109% | 6,496 |
| Retained earnings to average equity (ytd only) | -11.8671% | 6,670 |
| Net charge-offs to loans | 3.0681% | 678 |
| Credit loss provision to net charge-offs | 106.5509% | 5,204 |
| Earnings coverage of net charge-offs (x) | 0.6908% | 5,406 |
| Efficiency ratio | 54.9551% | 7,136 |
| Assets per employee ($millions) | 10.6208% | 229 |
| Cash dividends to net income (ytd only)* | -42.7904% | 7,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 4,768 |
| Loan loss allowance to noncurrent loans | 57.8035% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.5108% | 4,116 |
| Noncurrent loans to loans | 2.2496% | 3,336 |
| Net loans and leases to total assets | 56.3058% | 5,910 |
| Net loans and leases to deposits | 84.5055% | 3,177 |
| Net loans and leases to core deposits | 110.4115% | 2,848 |
| Total domestic deposits to total assets | 66.6298% | 7,617 |
| Equity capital to assets | 6.5940% | 7,541 |
| Core capital (leverage) ratio | 6.6836% | 7,418 |
| Tier 1 risk-based capital ratio | 10.5419% | 6,352 |
| Total risk-based capital ratio | 11.6490% | 6,469 |
| Memoranda: | ||
| Average total assets | $351,559,800 | 1,930 |
| Average earning assets | $327,869,400 | 1,894 |
| Average equity | $20,611,600 | 3,122 |
| Average total loans | $199,014,000 | 2,303 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0738% | 1,748 |
| Cost of funding earning assets | 3.6503% | 36 |
| Net interest margin | 2.4235% | 7,545 |
| Noninterest income to average assets | 0.4623% | 4,802 |
| Noninterest expense to average assets | 1.5666% | 7,855 |
| Loan and lease loss provision to assets | 1.9441% | 941 |
| Net operating income to assets | -0.7731% | 6,669 |
| Return on assets (ROA) | -0.6458% | 6,569 |
| Pretax return on assets | -0.6439% | 6,440 |
| Return on Equity (ROE) | -11.3672% | 6,978 |
| Retained earnings to average equity (ytd only) | -14.5559% | 7,105 |
| Net charge-offs to loans | 2.8258% | 619 |
| Credit loss provision to net charge-offs | 121.7660% | 4,164 |
| Earnings coverage of net charge-offs (x) | 0.7346% | 5,305 |
| Efficiency ratio | 57.1863% | 6,846 |
| Assets per employee ($millions) | 11.1786% | 210 |
| Cash dividends to net income (ytd only)* | -28.0518% | 7,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5783% | 3,085 |
| Loan loss allowance to noncurrent loans | 46.4046% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 1.9436% | 3,427 |
| Noncurrent loans to loans | 3.4011% | 2,213 |
| Net loans and leases to total assets | 52.6924% | 6,538 |
| Net loans and leases to deposits | 79.5309% | 4,471 |
| Net loans and leases to core deposits | 99.9625% | 4,376 |
| Total domestic deposits to total assets | 66.2540% | 7,669 |
| Equity capital to assets | 6.6087% | 7,739 |
| Core capital (leverage) ratio | 6.9853% | 7,443 |
| Tier 1 risk-based capital ratio | 10.8929% | 6,059 |
| Total risk-based capital ratio | 12.1440% | 6,020 |
| Memoranda: | ||
| Average total assets | $351,828,250 | 1,943 |
| Average earning assets | $330,592,250 | 1,896 |
| Average equity | $19,986,750 | 3,233 |
| Average total loans | $198,781,500 | 2,335 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0669% | 1,916 |
| Cost of funding earning assets | 3.7230% | 52 |
| Net interest margin | 2.3439% | 7,637 |
| Noninterest income to average assets | 0.2253% | 6,680 |
| Noninterest expense to average assets | 1.3781% | 8,021 |
| Loan and lease loss provision to assets | 2.7492% | 558 |
| Net operating income to assets | -1.6837% | 7,319 |
| Return on assets (ROA) | -1.5185% | 7,258 |
| Pretax return on assets | -1.5242% | 7,098 |
| Return on Equity (ROE) | -28.3760% | 7,688 |
| Retained earnings to average equity (ytd only) | -31.1510% | 7,705 |
| Net charge-offs to loans | 4.6694% | 271 |
| Credit loss provision to net charge-offs | 102.3006% | 4,473 |
| Earnings coverage of net charge-offs (x) | 0.3943% | 5,291 |
| Efficiency ratio | 56.5300% | 7,052 |
| Assets per employee ($millions) | 10.0101% | 261 |
| Cash dividends to net income (ytd only)* | -9.7793% | 7,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 5,303 |
| Loan loss allowance to noncurrent loans | 72.9832% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.0315% | 4,908 |
| Noncurrent loans to loans | 1.5681% | 4,148 |
| Net loans and leases to total assets | 56.8768% | 6,101 |
| Net loans and leases to deposits | 85.9919% | 3,552 |
| Net loans and leases to core deposits | 103.3767% | 4,137 |
| Total domestic deposits to total assets | 66.1420% | 7,731 |
| Equity capital to assets | 5.4548% | 8,008 |
| Core capital (leverage) ratio | 6.9536% | 7,572 |
| Tier 1 risk-based capital ratio | 10.6530% | 6,229 |
| Total risk-based capital ratio | 11.6635% | 6,407 |
| Memoranda: | ||
| Average total assets | $346,139,670 | 1,999 |
| Average earning assets | $326,725,670 | 1,936 |
| Average equity | $18,522,670 | 3,464 |
| Average total loans | $199,210,000 | 2,362 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1315% | 1,824 |
| Cost of funding earning assets | 3.8168% | 58 |
| Net interest margin | 2.3147% | 7,701 |
| Noninterest income to average assets | 0.2442% | 6,504 |
| Noninterest expense to average assets | 1.4452% | 8,023 |
| Loan and lease loss provision to assets | 0.5360% | 2,329 |
| Net operating income to assets | 0.4425% | 4,679 |
| Return on assets (ROA) | 0.5139% | 4,549 |
| Pretax return on assets | 0.5174% | 5,027 |
| Return on Equity (ROE) | 9.6991% | 2,445 |
| Retained earnings to average equity (ytd only) | 8.1192% | 1,764 |
| Net charge-offs to loans | 0.7292% | 1,729 |
| Credit loss provision to net charge-offs | 127.7008% | 3,126 |
| Earnings coverage of net charge-offs (x) | 2.3380% | 3,563 |
| Efficiency ratio | 59.5592% | 6,466 |
| Assets per employee ($millions) | 9.8692% | 272 |
| Cash dividends to net income (ytd only)* | 16.2896% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 5,045 |
| Loan loss allowance to noncurrent loans | 32.9324% | 6,340 |
| Noncurrent assets plus other real estate owned to assets | 2.0219% | 2,866 |
| Noncurrent loans to loans | 3.5245% | 1,802 |
| Net loans and leases to total assets | 56.7007% | 6,141 |
| Net loans and leases to deposits | 86.4016% | 3,564 |
| Net loans and leases to core deposits | 110.5881% | 3,356 |
| Total domestic deposits to total assets | 65.6246% | 7,759 |
| Equity capital to assets | 5.3833% | 8,084 |
| Core capital (leverage) ratio | 6.3490% | 7,926 |
| Tier 1 risk-based capital ratio | 10.1165% | 6,795 |
| Total risk-based capital ratio | 11.1705% | 6,907 |
| Memoranda: | ||
| Average total assets | $344,032,500 | 2,019 |
| Average earning assets | $324,356,000 | 1,953 |
| Average equity | $18,228,500 | 3,530 |
| Average total loans | $198,026,500 | 2,391 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9021% | 1,390 |
| Cost of funding earning assets | 4.1575% | 58 |
| Net interest margin | 2.7446% | 7,419 |
| Noninterest income to average assets | 0.4233% | 5,272 |
| Noninterest expense to average assets | 1.7720% | 7,783 |
| Loan and lease loss provision to assets | 0.7152% | 2,066 |
| Net operating income to assets | 0.5162% | 4,660 |
| Return on assets (ROA) | 0.5775% | 4,271 |
| Pretax return on assets | 0.5797% | 4,758 |
| Return on Equity (ROE) | 10.1273% | 2,217 |
| Retained earnings to average equity (ytd only) | 2.6371% | 3,546 |
| Net charge-offs to loans | 1.0115% | 1,221 |
| Credit loss provision to net charge-offs | 122.9766% | 4,367 |
| Earnings coverage of net charge-offs (x) | 2.1211% | 5,010 |
| Efficiency ratio | 58.9552% | 6,533 |
| Assets per employee ($millions) | 11.4215% | 187 |
| Cash dividends to net income (ytd only)* | 73.9606% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 5,188 |
| Loan loss allowance to noncurrent loans | 33.6907% | 6,484 |
| Noncurrent assets plus other real estate owned to assets | 1.9058% | 2,573 |
| Noncurrent loans to loans | 3.2997% | 1,571 |
| Net loans and leases to total assets | 57.1138% | 6,320 |
| Net loans and leases to deposits | 85.5013% | 4,182 |
| Net loans and leases to core deposits | 107.6779% | 4,001 |
| Total domestic deposits to total assets | 66.7988% | 7,592 |
| Equity capital to assets | 5.2130% | 8,165 |
| Core capital (leverage) ratio | 6.5231% | 7,926 |
| Tier 1 risk-based capital ratio | 9.5488% | 7,255 |
| Total risk-based capital ratio | 10.5215% | 7,480 |
| Memoranda: | ||
| Average total assets | $316,541,000 | 2,116 |
| Average earning assets | $297,821,800 | 2,057 |
| Average equity | $18,050,200 | 3,545 |
| Average total loans | $182,013,400 | 2,480 |