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Prosperan Bank, Performance and Condition Ratios
| 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 | 5.6840% | 3,419 |
| Cost of funding earning assets | 2.3993% | 1,636 |
| Net interest margin | 3.2848% | 5,702 |
| Noninterest income to average assets | -0.0834% | 7,918 |
| Noninterest expense to average assets | 3.6784% | 1,872 |
| Loan and lease loss provision to assets | 7.9444% | 42 |
| Net operating income to assets | -8.6678% | 8,024 |
| Return on assets (ROA) | -8.7221% | 8,025 |
| Pretax return on assets | -8.7188% | 8,019 |
| Return on Equity (ROE) | -501.8295% | 8,093 |
| Retained earnings to average equity (ytd only) | -501.8295% | 8,093 |
| Net charge-offs to loans | 12.8988% | 25 |
| Credit loss provision to net charge-offs | 79.2919% | 5,785 |
| Earnings coverage of net charge-offs (x) | -0.0719% | 6,150 |
| Efficiency ratio | 124.3400% | 539 |
| Assets per employee ($millions) | 4.1134% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4752% | 430 |
| Loan loss allowance to noncurrent loans | 32.8610% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 10.8802% | 286 |
| Noncurrent loans to loans | 10.5756% | 356 |
| Net loans and leases to total assets | 66.8763% | 4,220 |
| Net loans and leases to deposits | 72.2354% | 5,608 |
| Net loans and leases to core deposits | 85.5737% | 5,906 |
| Total domestic deposits to total assets | 92.5811% | 115 |
| Equity capital to assets | -2.0528% | 8,089 |
| Core capital (leverage) ratio | -0.9201% | 8,089 |
| Tier 1 risk-based capital ratio | -1.1732% | 8,089 |
| Total risk-based capital ratio | -1.1732% | 8,089 |
| Memoranda: | ||
| Average total assets | $201,460,750 | 3,189 |
| Average earning assets | $186,553,250 | 3,156 |
| Average equity | $3,501,500 | 7,508 |
| Average total loans | $156,485,750 | 2,849 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8171% | 2,971 |
| Cost of funding earning assets | 2.5184% | 1,552 |
| Net interest margin | 3.2987% | 5,559 |
| Noninterest income to average assets | -0.2278% | 8,074 |
| Noninterest expense to average assets | 3.6637% | 1,911 |
| Loan and lease loss provision to assets | 8.5878% | 56 |
| Net operating income to assets | -9.4201% | 8,106 |
| Return on assets (ROA) | -9.5010% | 8,101 |
| Pretax return on assets | -9.4960% | 8,087 |
| Return on Equity (ROE) | -320.0840% | 8,170 |
| Retained earnings to average equity (ytd only) | -320.0840% | 8,170 |
| Net charge-offs to loans | 13.7689% | 27 |
| Credit loss provision to net charge-offs | 77.5768% | 5,265 |
| Earnings coverage of net charge-offs (x) | -0.0747% | 5,775 |
| Efficiency ratio | 129.1725% | 532 |
| Assets per employee ($millions) | 3.6644% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5866% | 350 |
| Loan loss allowance to noncurrent loans | 38.4869% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 9.8431% | 305 |
| Noncurrent loans to loans | 9.3191% | 408 |
| Net loans and leases to total assets | 75.7838% | 2,232 |
| Net loans and leases to deposits | 78.7516% | 4,741 |
| Net loans and leases to core deposits | 92.5674% | 5,285 |
| Total domestic deposits to total assets | 96.2314% | 24 |
| Equity capital to assets | -0.6933% | 8,177 |
| Core capital (leverage) ratio | 0.8584% | 8,166 |
| Tier 1 risk-based capital ratio | 1.0518% | 8,167 |
| Total risk-based capital ratio | 2.1036% | 8,167 |
| Memoranda: | ||
| Average total assets | $202,800,330 | 3,194 |
| Average earning assets | $188,375,000 | 3,159 |
| Average equity | $6,019,670 | 6,707 |
| Average total loans | $163,049,000 | 2,767 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0129% | 2,307 |
| Cost of funding earning assets | 2.5143% | 1,864 |
| Net interest margin | 3.4986% | 4,744 |
| Noninterest income to average assets | 0.2202% | 6,712 |
| Noninterest expense to average assets | 3.1954% | 3,001 |
| Loan and lease loss provision to assets | 0.6701% | 1,887 |
| Net operating income to assets | -0.4021% | 6,786 |
| Return on assets (ROA) | -0.2317% | 6,674 |
| Pretax return on assets | -0.2221% | 6,595 |
| Return on Equity (ROE) | -4.9948% | 6,975 |
| Retained earnings to average equity (ytd only) | -4.9948% | 6,546 |
| Net charge-offs to loans | 2.0320% | 711 |
| Credit loss provision to net charge-offs | 40.6032% | 4,814 |
| Earnings coverage of net charge-offs (x) | 0.1682% | 4,847 |
| Efficiency ratio | 92.0066% | 1,567 |
| Assets per employee ($millions) | 3.8371% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3824% | 156 |
| Loan loss allowance to noncurrent loans | 51.3860% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 8.2717% | 340 |
| Noncurrent loans to loans | 8.5284% | 396 |
| Net loans and leases to total assets | 79.1555% | 1,547 |
| Net loans and leases to deposits | 88.7410% | 3,148 |
| Net loans and leases to core deposits | 106.6172% | 3,834 |
| Total domestic deposits to total assets | 89.1984% | 1,141 |
| Equity capital to assets | 4.4604% | 8,148 |
| Core capital (leverage) ratio | 5.3357% | 8,093 |
| Tier 1 risk-based capital ratio | 6.2917% | 8,130 |
| Total risk-based capital ratio | 7.5199% | 8,135 |
| Memoranda: | ||
| Average total assets | $208,925,500 | 3,126 |
| Average earning assets | $194,250,500 | 3,092 |
| Average equity | $9,690,000 | 5,480 |
| Average total loans | $169,684,500 | 2,705 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6737% | 2,133 |
| Cost of funding earning assets | 2.9497% | 2,057 |
| Net interest margin | 3.7240% | 4,366 |
| Noninterest income to average assets | 0.1977% | 7,032 |
| Noninterest expense to average assets | 3.0465% | 3,911 |
| Loan and lease loss provision to assets | 2.8128% | 335 |
| Net operating income to assets | -2.1755% | 7,643 |
| Return on assets (ROA) | -2.2431% | 7,616 |
| Pretax return on assets | -2.2408% | 7,520 |
| Return on Equity (ROE) | -36.8416% | 8,043 |
| Retained earnings to average equity (ytd only) | -37.7412% | 8,019 |
| Net charge-offs to loans | 0.5110% | 2,309 |
| Credit loss provision to net charge-offs | 712.3699% | 589 |
| Earnings coverage of net charge-offs (x) | 1.6197% | 5,278 |
| Efficiency ratio | 82.6502% | 2,222 |
| Assets per employee ($millions) | 4.1247% | 3,263 |
| Cash dividends to net income (ytd only)* | -2.4420% | 7,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6137% | 126 |
| Loan loss allowance to noncurrent loans | 72.8128% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 5.8275% | 528 |
| Noncurrent loans to loans | 6.3363% | 520 |
| Net loans and leases to total assets | 76.0545% | 2,609 |
| Net loans and leases to deposits | 91.5650% | 3,206 |
| Net loans and leases to core deposits | 113.4649% | 3,399 |
| Total domestic deposits to total assets | 83.0607% | 3,743 |
| Equity capital to assets | 4.8064% | 8,207 |
| Core capital (leverage) ratio | 5.2903% | 8,185 |
| Tier 1 risk-based capital ratio | 6.5344% | 8,202 |
| Total risk-based capital ratio | 7.8252% | 8,208 |
| Memoranda: | ||
| Average total assets | $219,071,200 | 2,883 |
| Average earning assets | $205,207,000 | 2,836 |
| Average equity | $13,338,200 | 4,488 |
| Average total loans | $169,276,600 | 2,626 |