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Prime Bank, Performance and Condition Ratios
| 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 | 4.8346% | 5,750 |
| Cost of funding earning assets | 1.2799% | 4,927 |
| Net interest margin | 3.5546% | 4,926 |
| Noninterest income to average assets | 0.4369% | 4,583 |
| Noninterest expense to average assets | 2.8609% | 4,222 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4688% | 4,538 |
| Return on assets (ROA) | 0.4688% | 4,668 |
| Pretax return on assets | 0.6979% | 4,241 |
| Return on Equity (ROE) | 3.5631% | 5,088 |
| Retained earnings to average equity (ytd only) | 3.5631% | 4,016 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6407% | 2,627 |
| Assets per employee ($millions) | 5.1853% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 4,039 |
| Loan loss allowance to noncurrent loans | 216.6197% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.7676% | 5,613 |
| Noncurrent loans to loans | 0.6810% | 5,970 |
| Net loans and leases to total assets | 66.0307% | 3,841 |
| Net loans and leases to deposits | 76.6286% | 4,296 |
| Net loans and leases to core deposits | 88.0534% | 3,619 |
| Total domestic deposits to total assets | 86.1698% | 3,049 |
| Equity capital to assets | 12.7862% | 1,607 |
| Core capital (leverage) ratio | 9.4706% | 3,815 |
| Tier 1 risk-based capital ratio | 11.0776% | 6,090 |
| Total risk-based capital ratio | 12.3396% | 6,043 |
| Memoranda: | ||
| Average total assets | $75,081,500 | 5,905 |
| Average earning assets | $65,942,000 | 5,968 |
| Average equity | $9,879,000 | 5,270 |
| Average total loans | $53,434,000 | 5,520 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3722% | 4,824 |
| Cost of funding earning assets | 1.8105% | 3,932 |
| Net interest margin | 3.5616% | 4,690 |
| Noninterest income to average assets | 0.1855% | 6,764 |
| Noninterest expense to average assets | 2.9285% | 4,432 |
| Loan and lease loss provision to assets | 0.3235% | 4,873 |
| Net operating income to assets | -0.0553% | 5,591 |
| Return on assets (ROA) | 0.0101% | 5,503 |
| Pretax return on assets | 0.0532% | 5,318 |
| Return on Equity (ROE) | 0.0712% | 5,511 |
| Retained earnings to average equity (ytd only) | 0.0712% | 4,863 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6194% | 1,663 |
| Assets per employee ($millions) | 4.8256% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 4,212 |
| Loan loss allowance to noncurrent loans | 66.1790% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.9397% | 3,468 |
| Noncurrent loans to loans | 2.1227% | 3,490 |
| Net loans and leases to total assets | 74.5634% | 2,130 |
| Net loans and leases to deposits | 87.0165% | 2,735 |
| Net loans and leases to core deposits | 123.0299% | 1,709 |
| Total domestic deposits to total assets | 85.6888% | 3,172 |
| Equity capital to assets | 13.5569% | 1,297 |
| Core capital (leverage) ratio | 9.3256% | 3,936 |
| Tier 1 risk-based capital ratio | 10.6601% | 6,241 |
| Total risk-based capital ratio | 11.9052% | 6,220 |
| Memoranda: | ||
| Average total assets | $69,557,000 | 6,017 |
| Average earning assets | $58,933,400 | 6,169 |
| Average equity | $9,827,600 | 5,346 |
| Average total loans | $51,701,000 | 5,596 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4100% | 4,895 |
| Cost of funding earning assets | 1.9480% | 3,628 |
| Net interest margin | 3.4620% | 5,019 |
| Noninterest income to average assets | 0.1743% | 6,967 |
| Noninterest expense to average assets | 2.9396% | 4,277 |
| Loan and lease loss provision to assets | 0.2091% | 5,307 |
| Net operating income to assets | -0.0473% | 5,796 |
| Return on assets (ROA) | 0.0407% | 5,664 |
| Pretax return on assets | 0.0678% | 5,588 |
| Return on Equity (ROE) | 0.2848% | 5,687 |
| Retained earnings to average equity (ytd only) | 0.2848% | 5,075 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5912% | 1,365 |
| Assets per employee ($millions) | 5.0524% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 5,336 |
| Loan loss allowance to noncurrent loans | 55.9657% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 1.8631% | 3,567 |
| Noncurrent loans to loans | 2.0785% | 3,524 |
| Net loans and leases to total assets | 73.0979% | 2,763 |
| Net loans and leases to deposits | 89.1532% | 2,753 |
| Net loans and leases to core deposits | 127.3781% | 1,632 |
| Total domestic deposits to total assets | 81.9914% | 4,683 |
| Equity capital to assets | 13.0064% | 1,693 |
| Core capital (leverage) ratio | 9.2927% | 4,201 |
| Tier 1 risk-based capital ratio | 10.4078% | 6,562 |
| Total risk-based capital ratio | 11.4370% | 6,731 |
| Memoranda: | ||
| Average total assets | $68,850,250 | 6,081 |
| Average earning assets | $57,768,250 | 6,271 |
| Average equity | $9,831,250 | 5,387 |
| Average total loans | $50,941,000 | 5,671 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3793% | 5,250 |
| Cost of funding earning assets | 1.9811% | 3,866 |
| Net interest margin | 3.3982% | 5,181 |
| Noninterest income to average assets | 0.1713% | 7,066 |
| Noninterest expense to average assets | 2.9998% | 4,086 |
| Loan and lease loss provision to assets | 0.2254% | 4,775 |
| Net operating income to assets | -0.1287% | 6,063 |
| Return on assets (ROA) | -0.0361% | 5,969 |
| Pretax return on assets | -0.0541% | 5,943 |
| Return on Equity (ROE) | -0.2443% | 5,958 |
| Retained earnings to average equity (ytd only) | -0.2443% | 5,286 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0178% | 1,267 |
| Assets per employee ($millions) | 6.0607% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 5,159 |
| Loan loss allowance to noncurrent loans | 250.6073% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 6,608 |
| Noncurrent loans to loans | 0.4656% | 6,366 |
| Net loans and leases to total assets | 72.0988% | 3,199 |
| Net loans and leases to deposits | 84.4475% | 3,802 |
| Net loans and leases to core deposits | 125.6614% | 1,903 |
| Total domestic deposits to total assets | 85.3770% | 3,076 |
| Equity capital to assets | 13.4859% | 1,498 |
| Core capital (leverage) ratio | 9.9058% | 3,390 |
| Tier 1 risk-based capital ratio | 10.7769% | 6,114 |
| Total risk-based capital ratio | 11.8015% | 6,282 |
| Memoranda: | ||
| Average total assets | $66,538,330 | 6,207 |
| Average earning assets | $56,029,330 | 6,384 |
| Average equity | $9,822,670 | 5,415 |
| Average total loans | $49,238,000 | 5,801 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2873% | 5,946 |
| Cost of funding earning assets | 1.9809% | 4,231 |
| Net interest margin | 3.3064% | 5,476 |
| Noninterest income to average assets | 0.1891% | 6,939 |
| Noninterest expense to average assets | 2.9002% | 4,157 |
| Loan and lease loss provision to assets | 0.3089% | 3,488 |
| Net operating income to assets | -0.0883% | 6,396 |
| Return on assets (ROA) | -0.0883% | 6,511 |
| Pretax return on assets | -0.1576% | 6,525 |
| Return on Equity (ROE) | -0.5697% | 6,475 |
| Retained earnings to average equity (ytd only) | -0.5697% | 5,780 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0083% | 1,433 |
| Assets per employee ($millions) | 4.3463% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 4,801 |
| Loan loss allowance to noncurrent loans | 240.0810% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 6,368 |
| Noncurrent loans to loans | 0.5000% | 6,175 |
| Net loans and leases to total assets | 74.8658% | 2,537 |
| Net loans and leases to deposits | 89.0950% | 3,090 |
| Net loans and leases to core deposits | 134.7059% | 1,377 |
| Total domestic deposits to total assets | 84.0292% | 3,688 |
| Equity capital to assets | 15.0842% | 1,080 |
| Core capital (leverage) ratio | 10.7418% | 2,705 |
| Tier 1 risk-based capital ratio | 11.5978% | 5,308 |
| Total risk-based capital ratio | 12.6523% | 5,408 |
| Memoranda: | ||
| Average total assets | $63,443,500 | 6,341 |
| Average earning assets | $54,924,000 | 6,462 |
| Average equity | $9,830,000 | 5,442 |
| Average total loans | $47,329,500 | 5,901 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0741% | 5,180 |
| Cost of funding earning assets | 2.1819% | 5,673 |
| Net interest margin | 3.8922% | 3,595 |
| Noninterest income to average assets | 0.1928% | 7,077 |
| Noninterest expense to average assets | 3.5032% | 2,388 |
| Loan and lease loss provision to assets | 0.4947% | 2,842 |
| Net operating income to assets | -0.2292% | 6,653 |
| Return on assets (ROA) | -0.2292% | 6,497 |
| Pretax return on assets | -0.3820% | 6,532 |
| Return on Equity (ROE) | -1.4517% | 6,427 |
| Retained earnings to average equity (ytd only) | -1.4517% | 5,723 |
| Net charge-offs to loans | 0.2869% | 3,487 |
| Credit loss provision to net charge-offs | 236.5217% | 2,000 |
| Earnings coverage of net charge-offs (x) | 0.5391% | 5,908 |
| Efficiency ratio | 95.9759% | 1,159 |
| Assets per employee ($millions) | 4.7456% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 4,518 |
| Loan loss allowance to noncurrent loans | 220.2429% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 6,020 |
| Noncurrent loans to loans | 0.5458% | 5,726 |
| Net loans and leases to total assets | 72.4782% | 3,488 |
| Net loans and leases to deposits | 86.8992% | 3,971 |
| Net loans and leases to core deposits | 124.9413% | 2,256 |
| Total domestic deposits to total assets | 83.4049% | 3,610 |
| Equity capital to assets | 15.9273% | 953 |
| Core capital (leverage) ratio | 11.4605% | 2,279 |
| Tier 1 risk-based capital ratio | 12.5363% | 4,414 |
| Total risk-based capital ratio | 13.5816% | 4,448 |
| Memoranda: | ||
| Average total assets | $54,977,800 | 6,575 |
| Average earning assets | $48,352,800 | 6,659 |
| Average equity | $8,679,600 | 5,851 |
| Average total loans | $40,090,600 | 6,156 |