Home > Premier Commercial Bank > Performance and Condition Ratios
Premier Commercial Bank, Performance and Condition Ratios
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 | 3.7896% | 6,162 |
Cost of funding earning assets | 0.7904% | 3,268 |
Net interest margin | 2.9993% | 6,244 |
Noninterest income to average assets | 0.6999% | 2,671 |
Noninterest expense to average assets | 2.3898% | 5,493 |
Loan and lease loss provision to assets | 0.2166% | 2,907 |
Net operating income to assets | 0.5746% | 4,475 |
Return on assets (ROA) | 0.5746% | 4,751 |
Pretax return on assets | 0.9419% | 3,915 |
Return on Equity (ROE) | 6.0200% | 4,319 |
Retained earnings to average equity (ytd only) | 6.0200% | 2,706 |
Net charge-offs to loans | 0.2301% | 3,189 |
Credit loss provision to net charge-offs | 146.7049% | 1,890 |
Earnings coverage of net charge-offs (x) | 7.8453% | 2,410 |
Efficiency ratio | 67.3503% | 4,265 |
Assets per employee ($millions) | 7.1366% | 690 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5974% | 1,157 |
Loan loss allowance to noncurrent loans | 115.4993% | 2,828 |
Noncurrent assets plus other real estate owned to assets | 1.6211% | 3,295 |
Noncurrent loans to loans | 2.2489% | 2,673 |
Net loans and leases to total assets | 70.2119% | 1,881 |
Net loans and leases to deposits | 81.1781% | 2,208 |
Net loans and leases to core deposits | 88.8190% | 2,120 |
Total domestic deposits to total assets | 86.4911% | 3,080 |
Equity capital to assets | 11.1217% | 2,992 |
Core capital (leverage) ratio | 10.4416% | 2,867 |
Tier 1 risk-based capital ratio | 13.4739% | 4,850 |
Total risk-based capital ratio | 14.7376% | 4,789 |
Memoranda: | ||
Average total assets | $472,671,670 | 1,420 |
Average earning assets | $448,908,670 | 1,377 |
Average equity | $45,116,000 | 1,548 |
Average total loans | $303,329,670 | 1,394 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6510% | 6,505 |
Cost of funding earning assets | 0.8113% | 3,379 |
Net interest margin | 2.8397% | 6,570 |
Noninterest income to average assets | 0.5354% | 3,661 |
Noninterest expense to average assets | 2.1711% | 6,112 |
Loan and lease loss provision to assets | 0.4079% | 1,547 |
Net operating income to assets | 0.4071% | 5,222 |
Return on assets (ROA) | 0.4071% | 5,409 |
Pretax return on assets | 0.6613% | 4,907 |
Return on Equity (ROE) | 4.5772% | 5,001 |
Retained earnings to average equity (ytd only) | 4.5772% | 3,836 |
Net charge-offs to loans | 0.2943% | 2,488 |
Credit loss provision to net charge-offs | 227.5556% | 1,225 |
Earnings coverage of net charge-offs (x) | 5.9644% | 2,267 |
Efficiency ratio | 67.0027% | 4,359 |
Assets per employee ($millions) | 9.6354% | 263 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6222% | 1,200 |
Loan loss allowance to noncurrent loans | 121.6438% | 2,590 |
Noncurrent assets plus other real estate owned to assets | 1.4081% | 3,756 |
Noncurrent loans to loans | 2.1556% | 2,962 |
Net loans and leases to total assets | 52.3237% | 4,975 |
Net loans and leases to deposits | 57.9404% | 5,380 |
Net loans and leases to core deposits | 62.1877% | 5,301 |
Total domestic deposits to total assets | 90.3061% | 909 |
Equity capital to assets | 8.0526% | 6,487 |
Core capital (leverage) ratio | 9.7354% | 3,729 |
Tier 1 risk-based capital ratio | 12.9934% | 5,225 |
Total risk-based capital ratio | 14.2572% | 5,187 |
Memoranda: | ||
Average total assets | $502,047,500 | 1,349 |
Average earning assets | $478,219,000 | 1,299 |
Average equity | $44,656,500 | 1,552 |
Average total loans | $305,809,000 | 1,383 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9941% | 6,461 |
Cost of funding earning assets | 1.0610% | 2,948 |
Net interest margin | 2.9331% | 6,635 |
Noninterest income to average assets | 1.0837% | 1,134 |
Noninterest expense to average assets | 2.7935% | 4,373 |
Loan and lease loss provision to assets | 0.4911% | 2,153 |
Net operating income to assets | 0.3664% | 5,006 |
Return on assets (ROA) | 0.3588% | 5,201 |
Pretax return on assets | 0.5777% | 4,753 |
Return on Equity (ROE) | 3.7637% | 4,971 |
Retained earnings to average equity (ytd only) | 3.7637% | 3,539 |
Net charge-offs to loans | 0.7982% | 2,160 |
Credit loss provision to net charge-offs | 91.1300% | 3,958 |
Earnings coverage of net charge-offs (x) | 2.0053% | 4,277 |
Efficiency ratio | 72.1070% | 3,557 |
Assets per employee ($millions) | 7.6766% | 532 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4370% | 1,402 |
Loan loss allowance to noncurrent loans | 121.6450% | 2,575 |
Noncurrent assets plus other real estate owned to assets | 1.7144% | 3,379 |
Noncurrent loans to loans | 2.0033% | 3,198 |
Net loans and leases to total assets | 68.2201% | 2,349 |
Net loans and leases to deposits | 77.5544% | 2,911 |
Net loans and leases to core deposits | 87.3626% | 2,455 |
Total domestic deposits to total assets | 87.9643% | 2,189 |
Equity capital to assets | 9.9521% | 4,224 |
Core capital (leverage) ratio | 8.9353% | 4,885 |
Tier 1 risk-based capital ratio | 12.5346% | 5,418 |
Total risk-based capital ratio | 13.7949% | 5,398 |
Memoranda: | ||
Average total assets | $458,170,200 | 1,434 |
Average earning assets | $435,892,600 | 1,395 |
Average equity | $43,681,000 | 1,551 |
Average total loans | $309,316,400 | 1,372 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9314% | 6,689 |
Cost of funding earning assets | 1.0710% | 3,172 |
Net interest margin | 2.8604% | 6,813 |
Noninterest income to average assets | 1.1755% | 953 |
Noninterest expense to average assets | 2.7094% | 4,688 |
Loan and lease loss provision to assets | 0.4985% | 1,992 |
Net operating income to assets | 0.4252% | 4,881 |
Return on assets (ROA) | 0.4152% | 5,122 |
Pretax return on assets | 0.6756% | 4,562 |
Return on Equity (ROE) | 4.4021% | 4,815 |
Retained earnings to average equity (ytd only) | 4.4021% | 3,594 |
Net charge-offs to loans | 0.9041% | 1,768 |
Credit loss provision to net charge-offs | 82.3782% | 4,058 |
Earnings coverage of net charge-offs (x) | 1.9661% | 4,181 |
Efficiency ratio | 69.4879% | 4,041 |
Assets per employee ($millions) | 7.7902% | 512 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3861% | 1,555 |
Loan loss allowance to noncurrent loans | 180.0726% | 1,702 |
Noncurrent assets plus other real estate owned to assets | 0.9301% | 4,892 |
Noncurrent loans to loans | 1.3251% | 4,322 |
Net loans and leases to total assets | 68.5169% | 2,369 |
Net loans and leases to deposits | 78.0660% | 2,972 |
Net loans and leases to core deposits | 88.1126% | 2,472 |
Total domestic deposits to total assets | 87.7679% | 2,180 |
Equity capital to assets | 10.0299% | 4,301 |
Core capital (leverage) ratio | 9.7790% | 3,729 |
Tier 1 risk-based capital ratio | 12.0236% | 5,876 |
Total risk-based capital ratio | 13.2836% | 5,857 |
Memoranda: | ||
Average total assets | $461,402,500 | 1,436 |
Average earning assets | $439,320,500 | 1,392 |
Average equity | $43,523,500 | 1,559 |
Average total loans | $308,812,750 | 1,387 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8252% | 6,893 |
Cost of funding earning assets | 1.0574% | 3,552 |
Net interest margin | 2.7677% | 6,963 |
Noninterest income to average assets | 1.5848% | 516 |
Noninterest expense to average assets | 3.0347% | 3,508 |
Loan and lease loss provision to assets | 0.3425% | 2,730 |
Net operating income to assets | 0.5173% | 4,427 |
Return on assets (ROA) | 0.5099% | 4,596 |
Pretax return on assets | 0.8348% | 3,890 |
Return on Equity (ROE) | 5.5157% | 4,208 |
Retained earnings to average equity (ytd only) | 5.5157% | 2,684 |
Net charge-offs to loans | 0.2982% | 3,378 |
Credit loss provision to net charge-offs | 174.2919% | 1,730 |
Earnings coverage of net charge-offs (x) | 6.0501% | 2,483 |
Efficiency ratio | 71.8528% | 3,767 |
Assets per employee ($millions) | 8.0486% | 451 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6375% | 1,260 |
Loan loss allowance to noncurrent loans | 124.0786% | 2,365 |
Noncurrent assets plus other real estate owned to assets | 1.4568% | 4,035 |
Noncurrent loans to loans | 2.1257% | 3,319 |
Net loans and leases to total assets | 66.7246% | 2,878 |
Net loans and leases to deposits | 75.5122% | 3,559 |
Net loans and leases to core deposits | 85.2412% | 3,041 |
Total domestic deposits to total assets | 88.3627% | 1,936 |
Equity capital to assets | 9.7543% | 4,456 |
Core capital (leverage) ratio | 9.8969% | 3,392 |
Tier 1 risk-based capital ratio | 12.1602% | 5,655 |
Total risk-based capital ratio | 13.4232% | 5,622 |
Memoranda: | ||
Average total assets | $467,188,670 | 1,434 |
Average earning assets | $445,418,670 | 1,373 |
Average equity | $43,185,670 | 1,554 |
Average total loans | $307,856,330 | 1,406 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7125% | 7,058 |
Cost of funding earning assets | 1.0581% | 3,797 |
Net interest margin | 2.6544% | 7,068 |
Noninterest income to average assets | 1.5414% | 548 |
Noninterest expense to average assets | 2.9574% | 3,831 |
Loan and lease loss provision to assets | 0.4207% | 2,085 |
Net operating income to assets | 0.4266% | 4,817 |
Return on assets (ROA) | 0.4266% | 4,910 |
Pretax return on assets | 0.6983% | 4,306 |
Return on Equity (ROE) | 4.7388% | 4,536 |
Retained earnings to average equity (ytd only) | 4.7388% | 3,353 |
Net charge-offs to loans | 0.6078% | 1,980 |
Credit loss provision to net charge-offs | 107.0664% | 2,496 |
Earnings coverage of net charge-offs (x) | 2.8480% | 2,945 |
Efficiency ratio | 72.5490% | 3,763 |
Assets per employee ($millions) | 9.6265% | 277 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5931% | 1,322 |
Loan loss allowance to noncurrent loans | 130.3675% | 2,253 |
Noncurrent assets plus other real estate owned to assets | 1.1567% | 4,626 |
Noncurrent loans to loans | 1.9891% | 3,583 |
Net loans and leases to total assets | 56.6466% | 4,882 |
Net loans and leases to deposits | 62.7727% | 5,412 |
Net loans and leases to core deposits | 70.1260% | 5,026 |
Total domestic deposits to total assets | 90.2408% | 995 |
Equity capital to assets | 8.2760% | 6,191 |
Core capital (leverage) ratio | 9.7205% | 3,493 |
Tier 1 risk-based capital ratio | 11.7793% | 5,870 |
Total risk-based capital ratio | 13.0408% | 5,872 |
Memoranda: | ||
Average total assets | $475,421,500 | 1,423 |
Average earning assets | $454,038,000 | 1,364 |
Average equity | $42,796,000 | 1,553 |
Average total loans | $307,339,500 | 1,424 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7311% | 5,684 |
Cost of funding earning assets | 1.3428% | 3,630 |
Net interest margin | 3.3883% | 5,677 |
Noninterest income to average assets | 0.4531% | 4,494 |
Noninterest expense to average assets | 2.7377% | 4,821 |
Loan and lease loss provision to assets | 0.4781% | 3,265 |
Net operating income to assets | 0.2680% | 5,041 |
Return on assets (ROA) | 0.2680% | 5,208 |
Pretax return on assets | 0.4242% | 4,869 |
Return on Equity (ROE) | 2.6027% | 5,129 |
Retained earnings to average equity (ytd only) | 2.6027% | 4,040 |
Net charge-offs to loans | 0.3904% | 4,085 |
Credit loss provision to net charge-offs | 151.5748% | 2,377 |
Earnings coverage of net charge-offs (x) | 2.8606% | 3,644 |
Efficiency ratio | 75.2098% | 3,162 |
Assets per employee ($millions) | 7.6967% | 547 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4989% | 1,413 |
Loan loss allowance to noncurrent loans | 91.9651% | 3,104 |
Noncurrent assets plus other real estate owned to assets | 1.9693% | 3,379 |
Noncurrent loans to loans | 2.7173% | 2,801 |
Net loans and leases to total assets | 70.6633% | 2,379 |
Net loans and leases to deposits | 81.7955% | 2,849 |
Net loans and leases to core deposits | 91.2126% | 2,588 |
Total domestic deposits to total assets | 86.3902% | 3,145 |
Equity capital to assets | 9.8770% | 3,901 |
Core capital (leverage) ratio | 8.7114% | 4,998 |
Tier 1 risk-based capital ratio | 11.9327% | 5,538 |
Total risk-based capital ratio | 13.1947% | 5,504 |
Memoranda: | ||
Average total assets | $402,597,800 | 1,642 |
Average earning assets | $378,683,400 | 1,591 |
Average equity | $41,456,200 | 1,600 |
Average total loans | $325,310,600 | 1,375 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8814% | 5,354 |
Cost of funding earning assets | 1.3540% | 3,870 |
Net interest margin | 3.5274% | 5,192 |
Noninterest income to average assets | 0.3965% | 4,983 |
Noninterest expense to average assets | 2.7054% | 4,859 |
Loan and lease loss provision to assets | 0.5731% | 2,646 |
Net operating income to assets | 0.2684% | 5,288 |
Return on assets (ROA) | 0.2684% | 5,448 |
Pretax return on assets | 0.4238% | 5,157 |
Return on Equity (ROE) | 2.5774% | 5,401 |
Retained earnings to average equity (ytd only) | 2.5774% | 4,618 |
Net charge-offs to loans | 0.3048% | 4,146 |
Credit loss provision to net charge-offs | 226.3648% | 1,522 |
Earnings coverage of net charge-offs (x) | 3.9374% | 3,244 |
Efficiency ratio | 73.0741% | 3,508 |
Assets per employee ($millions) | 7.5729% | 607 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4975% | 1,330 |
Loan loss allowance to noncurrent loans | 179.7603% | 1,599 |
Noncurrent assets plus other real estate owned to assets | 1.0625% | 4,992 |
Noncurrent loans to loans | 1.3893% | 4,542 |
Net loans and leases to total assets | 74.5667% | 1,674 |
Net loans and leases to deposits | 85.2623% | 2,475 |
Net loans and leases to core deposits | 93.0564% | 2,654 |
Total domestic deposits to total assets | 87.4556% | 2,287 |
Equity capital to assets | 10.0315% | 4,122 |
Core capital (leverage) ratio | 10.4605% | 2,729 |
Tier 1 risk-based capital ratio | 11.6542% | 5,780 |
Total risk-based capital ratio | 12.9168% | 5,740 |
Memoranda: | ||
Average total assets | $395,494,000 | 1,692 |
Average earning assets | $370,651,250 | 1,652 |
Average equity | $41,177,500 | 1,611 |
Average total loans | $328,544,750 | 1,378 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9988% | 4,946 |
Cost of funding earning assets | 1.3690% | 4,066 |
Net interest margin | 3.6298% | 4,695 |
Noninterest income to average assets | 0.3498% | 5,352 |
Noninterest expense to average assets | 2.6852% | 4,969 |
Loan and lease loss provision to assets | 0.6218% | 2,304 |
Net operating income to assets | 0.2824% | 5,255 |
Return on assets (ROA) | 0.2824% | 5,406 |
Pretax return on assets | 0.4472% | 5,070 |
Return on Equity (ROE) | 2.6766% | 5,388 |
Retained earnings to average equity (ytd only) | 2.6766% | 4,443 |
Net charge-offs to loans | 0.4419% | 3,215 |
Credit loss provision to net charge-offs | 164.6091% | 2,391 |
Earnings coverage of net charge-offs (x) | 2.8299% | 3,572 |
Efficiency ratio | 71.5252% | 3,897 |
Assets per employee ($millions) | 6.4648% | 966 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3312% | 1,537 |
Loan loss allowance to noncurrent loans | 158.1000% | 1,771 |
Noncurrent assets plus other real estate owned to assets | 1.3083% | 4,534 |
Noncurrent loans to loans | 1.4745% | 4,490 |
Net loans and leases to total assets | 86.6590% | 186 |
Net loans and leases to deposits | 105.7726% | 403 |
Net loans and leases to core deposits | 115.8459% | 850 |
Total domestic deposits to total assets | 81.9295% | 5,016 |
Equity capital to assets | 11.4498% | 2,482 |
Core capital (leverage) ratio | 11.2491% | 2,068 |
Tier 1 risk-based capital ratio | 11.7892% | 5,504 |
Total risk-based capital ratio | 13.0500% | 5,460 |
Memoranda: | ||
Average total assets | $385,963,670 | 1,743 |
Average earning assets | $362,004,330 | 1,697 |
Average equity | $40,722,670 | 1,624 |
Average total loans | $329,951,000 | 1,380 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8449% | 5,703 |
Cost of funding earning assets | 1.3193% | 4,698 |
Net interest margin | 3.5256% | 5,057 |
Noninterest income to average assets | 0.2716% | 5,983 |
Noninterest expense to average assets | 2.4910% | 5,757 |
Loan and lease loss provision to assets | 0.7094% | 1,796 |
Net operating income to assets | 0.2513% | 5,488 |
Return on assets (ROA) | 0.2513% | 5,611 |
Pretax return on assets | 0.3942% | 5,310 |
Return on Equity (ROE) | 2.4807% | 5,564 |
Retained earnings to average equity (ytd only) | 2.4807% | 4,647 |
Net charge-offs to loans | 0.5165% | 2,517 |
Credit loss provision to net charge-offs | 163.5514% | 2,218 |
Earnings coverage of net charge-offs (x) | 2.5444% | 3,273 |
Efficiency ratio | 69.2980% | 4,447 |
Assets per employee ($millions) | 7.5620% | 632 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2624% | 1,637 |
Loan loss allowance to noncurrent loans | 269.4374% | 1,091 |
Noncurrent assets plus other real estate owned to assets | 0.6506% | 5,890 |
Noncurrent loans to loans | 0.8397% | 5,636 |
Net loans and leases to total assets | 75.7258% | 1,601 |
Net loans and leases to deposits | 85.6127% | 2,667 |
Net loans and leases to core deposits | 87.0764% | 3,737 |
Total domestic deposits to total assets | 88.4516% | 1,822 |
Equity capital to assets | 9.8524% | 4,051 |
Core capital (leverage) ratio | 11.0278% | 2,213 |
Tier 1 risk-based capital ratio | 11.3461% | 5,815 |
Total risk-based capital ratio | 12.6061% | 5,777 |
Memoranda: | ||
Average total assets | $394,697,500 | 1,748 |
Average earning assets | $372,021,000 | 1,698 |
Average equity | $39,988,000 | 1,679 |
Average total loans | $331,448,000 | 1,417 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4025% | 4,687 |
Cost of funding earning assets | 1.6377% | 4,860 |
Net interest margin | 3.7648% | 3,853 |
Noninterest income to average assets | 0.6203% | 3,484 |
Noninterest expense to average assets | 2.8602% | 4,693 |
Loan and lease loss provision to assets | 1.0179% | 2,240 |
Net operating income to assets | 0.1866% | 4,938 |
Return on assets (ROA) | 0.1954% | 4,983 |
Pretax return on assets | 0.3004% | 4,758 |
Return on Equity (ROE) | 2.0414% | 4,886 |
Retained earnings to average equity (ytd only) | 2.0414% | 3,679 |
Net charge-offs to loans | 0.3270% | 4,601 |
Credit loss provision to net charge-offs | 350.0873% | 925 |
Earnings coverage of net charge-offs (x) | 4.4878% | 2,932 |
Efficiency ratio | 68.6727% | 4,887 |
Assets per employee ($millions) | 6.5344% | 976 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1359% | 1,759 |
Loan loss allowance to noncurrent loans | 107.6634% | 2,621 |
Noncurrent assets plus other real estate owned to assets | 1.8151% | 3,648 |
Noncurrent loans to loans | 1.9839% | 3,668 |
Net loans and leases to total assets | 89.5391% | 104 |
Net loans and leases to deposits | 109.6474% | 398 |
Net loans and leases to core deposits | 125.4254% | 1,558 |
Total domestic deposits to total assets | 81.6609% | 5,076 |
Equity capital to assets | 10.4541% | 3,237 |
Core capital (leverage) ratio | 9.0578% | 4,326 |
Tier 1 risk-based capital ratio | 10.5160% | 6,384 |
Total risk-based capital ratio | 11.7756% | 6,348 |
Memoranda: | ||
Average total assets | $394,162,600 | 1,741 |
Average earning assets | $371,125,200 | 1,696 |
Average equity | $37,719,600 | 1,773 |
Average total loans | $350,455,400 | 1,374 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3836% | 5,024 |
Cost of funding earning assets | 1.6640% | 5,090 |
Net interest margin | 3.7195% | 3,993 |
Noninterest income to average assets | 0.6045% | 3,664 |
Noninterest expense to average assets | 2.7831% | 4,961 |
Loan and lease loss provision to assets | 1.0674% | 1,820 |
Net operating income to assets | 0.1678% | 5,262 |
Return on assets (ROA) | 0.1794% | 5,290 |
Pretax return on assets | 0.2732% | 5,125 |
Return on Equity (ROE) | 1.9156% | 5,197 |
Retained earnings to average equity (ytd only) | 1.9156% | 4,256 |
Net charge-offs to loans | 0.1569% | 5,138 |
Credit loss provision to net charge-offs | 770.2638% | 497 |
Earnings coverage of net charge-offs (x) | 9.5467% | 2,092 |
Efficiency ratio | 67.7808% | 5,024 |
Assets per employee ($millions) | 6.5866% | 946 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0232% | 1,741 |
Loan loss allowance to noncurrent loans | 103.4030% | 2,688 |
Noncurrent assets plus other real estate owned to assets | 1.7042% | 3,824 |
Noncurrent loans to loans | 1.9566% | 3,693 |
Net loans and leases to total assets | 85.3363% | 403 |
Net loans and leases to deposits | 108.2300% | 548 |
Net loans and leases to core deposits | 139.9190% | 918 |
Total domestic deposits to total assets | 78.8472% | 5,851 |
Equity capital to assets | 9.4521% | 4,810 |
Core capital (leverage) ratio | 9.5015% | 3,905 |
Tier 1 risk-based capital ratio | 10.0168% | 6,963 |
Total risk-based capital ratio | 11.2752% | 6,908 |
Memoranda: | ||
Average total assets | $401,222,250 | 1,725 |
Average earning assets | $377,709,000 | 1,680 |
Average equity | $37,586,000 | 1,805 |
Average total loans | $354,370,250 | 1,378 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4490% | 4,900 |
Cost of funding earning assets | 1.7567% | 4,964 |
Net interest margin | 3.6922% | 3,982 |
Noninterest income to average assets | 0.5426% | 4,092 |
Noninterest expense to average assets | 2.7888% | 5,005 |
Loan and lease loss provision to assets | 0.9530% | 1,774 |
Net operating income to assets | 0.1795% | 5,332 |
Return on assets (ROA) | 0.1795% | 5,422 |
Pretax return on assets | 0.2723% | 5,271 |
Return on Equity (ROE) | 1.9223% | 5,334 |
Retained earnings to average equity (ytd only) | 1.9223% | 4,272 |
Net charge-offs to loans | 0.1557% | 4,638 |
Credit loss provision to net charge-offs | 689.8917% | 681 |
Earnings coverage of net charge-offs (x) | 8.8700% | 2,206 |
Efficiency ratio | 69.4745% | 4,883 |
Assets per employee ($millions) | 6.7410% | 871 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6701% | 2,444 |
Loan loss allowance to noncurrent loans | 120.3293% | 2,453 |
Noncurrent assets plus other real estate owned to assets | 1.2368% | 4,468 |
Noncurrent loans to loans | 1.3879% | 4,438 |
Net loans and leases to total assets | 87.6232% | 261 |
Net loans and leases to deposits | 114.8228% | 369 |
Net loans and leases to core deposits | 150.3224% | 643 |
Total domestic deposits to total assets | 76.3117% | 6,483 |
Equity capital to assets | 9.5170% | 4,592 |
Core capital (leverage) ratio | 9.3171% | 4,144 |
Tier 1 risk-based capital ratio | 9.8337% | 7,097 |
Total risk-based capital ratio | 11.0878% | 7,034 |
Memoranda: | ||
Average total assets | $401,035,670 | 1,749 |
Average earning assets | $377,062,330 | 1,716 |
Average equity | $37,455,670 | 1,820 |
Average total loans | $355,845,000 | 1,402 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4667% | 5,083 |
Cost of funding earning assets | 1.8572% | 4,840 |
Net interest margin | 3.6095% | 4,281 |
Noninterest income to average assets | 0.3983% | 5,219 |
Noninterest expense to average assets | 2.8021% | 4,554 |
Loan and lease loss provision to assets | 0.4470% | 2,687 |
Net operating income to assets | 0.3338% | 5,143 |
Return on assets (ROA) | 0.3338% | 5,329 |
Pretax return on assets | 0.5334% | 4,965 |
Return on Equity (ROE) | 3.6073% | 5,123 |
Retained earnings to average equity (ytd only) | 3.6073% | 3,885 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.0809% | 3,812 |
Assets per employee ($millions) | 6.5830% | 927 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3272% | 3,926 |
Loan loss allowance to noncurrent loans | 1,470.4969% | 294 |
Noncurrent assets plus other real estate owned to assets | 0.0802% | 7,353 |
Noncurrent loans to loans | 0.0903% | 7,265 |
Net loans and leases to total assets | 87.6686% | 293 |
Net loans and leases to deposits | 111.5479% | 543 |
Net loans and leases to core deposits | 153.5167% | 613 |
Total domestic deposits to total assets | 78.5928% | 5,846 |
Equity capital to assets | 9.3161% | 4,916 |
Core capital (leverage) ratio | 9.3568% | 4,163 |
Tier 1 risk-based capital ratio | 9.5460% | 7,391 |
Total risk-based capital ratio | 10.7963% | 7,329 |
Memoranda: | ||
Average total assets | $402,694,000 | 1,746 |
Average earning assets | $377,557,000 | 1,719 |
Average equity | $37,258,000 | 1,832 |
Average total loans | $356,561,000 | 1,414 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1876% | 4,578 |
Cost of funding earning assets | 2.2508% | 5,366 |
Net interest margin | 3.9368% | 3,414 |
Noninterest income to average assets | 0.6634% | 3,383 |
Noninterest expense to average assets | 3.2688% | 3,078 |
Loan and lease loss provision to assets | 0.1924% | 4,961 |
Net operating income to assets | 0.5389% | 4,581 |
Return on assets (ROA) | 0.5389% | 4,427 |
Pretax return on assets | 0.8831% | 3,781 |
Return on Equity (ROE) | 5.8798% | 3,994 |
Retained earnings to average equity (ytd only) | 5.8798% | 1,581 |
Net charge-offs to loans | 0.0000% | 7,039 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.2443% | 3,368 |
Assets per employee ($millions) | 6.5133% | 882 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2025% | 4,515 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | 0.0000% | 7,569 |
Net loans and leases to total assets | 87.1806% | 455 |
Net loans and leases to deposits | 114.4145% | 595 |
Net loans and leases to core deposits | 158.2736% | 613 |
Total domestic deposits to total assets | 76.1972% | 6,195 |
Equity capital to assets | 9.1886% | 5,098 |
Core capital (leverage) ratio | 9.4425% | 4,102 |
Tier 1 risk-based capital ratio | 9.3329% | 7,486 |
Total risk-based capital ratio | 10.4532% | 7,564 |
Memoranda: | ||
Average total assets | $376,863,600 | 1,793 |
Average earning assets | $352,363,600 | 1,759 |
Average equity | $34,542,000 | 1,971 |
Average total loans | $322,777,200 | 1,503 |