Home > Rural American Bank - Braham > Performance and Condition Ratios
Rural American Bank - Braham, Performance and Condition Ratios
| 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 | 5.2035% | 3,587 |
| Cost of funding earning assets | 1.0573% | 5,384 |
| Net interest margin | 4.1462% | 2,381 |
| Noninterest income to average assets | 0.6580% | 3,099 |
| Noninterest expense to average assets | 2.8657% | 4,358 |
| Loan and lease loss provision to assets | 0.3456% | 4,062 |
| Net operating income to assets | 1.1919% | 1,432 |
| Return on assets (ROA) | 1.2033% | 1,483 |
| Pretax return on assets | 1.2042% | 2,217 |
| Return on Equity (ROE) | 9.3600% | 2,155 |
| Retained earnings to average equity (ytd only) | -0.9868% | 5,804 |
| Net charge-offs to loans | 0.2952% | 4,544 |
| Credit loss provision to net charge-offs | 195.1872% | 1,627 |
| Earnings coverage of net charge-offs (x) | 8.6898% | 1,935 |
| Efficiency ratio | 62.6612% | 5,591 |
| Assets per employee ($millions) | 4.5414% | 2,795 |
| Cash dividends to net income (ytd only)* | 110.5429% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3240% | 1,659 |
| Loan loss allowance to noncurrent loans | 58.9012% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 2.4258% | 2,845 |
| Noncurrent loans to loans | 3.9456% | 1,851 |
| Net loans and leases to total assets | 53.3295% | 5,731 |
| Net loans and leases to deposits | 62.4977% | 5,793 |
| Net loans and leases to core deposits | 63.7990% | 6,067 |
| Total domestic deposits to total assets | 85.3304% | 3,702 |
| Equity capital to assets | 12.6337% | 1,560 |
| Core capital (leverage) ratio | 9.2725% | 4,066 |
| Tier 1 risk-based capital ratio | 15.8854% | 2,803 |
| Total risk-based capital ratio | 17.1462% | 2,757 |
| Memoranda: | ||
| Average total assets | $105,626,800 | 4,834 |
| Average earning assets | $95,436,000 | 4,850 |
| Average equity | $13,579,000 | 4,240 |
| Average total loans | $63,351,000 | 4,938 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2837% | 3,433 |
| Cost of funding earning assets | 1.0994% | 5,421 |
| Net interest margin | 4.1843% | 2,274 |
| Noninterest income to average assets | 0.6286% | 3,265 |
| Noninterest expense to average assets | 2.8769% | 4,173 |
| Loan and lease loss provision to assets | 0.3054% | 4,133 |
| Net operating income to assets | 1.2139% | 1,558 |
| Return on assets (ROA) | 1.2215% | 1,608 |
| Pretax return on assets | 1.2215% | 2,417 |
| Return on Equity (ROE) | 9.4594% | 2,330 |
| Retained earnings to average equity (ytd only) | -3.7542% | 6,432 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0101% | 5,429 |
| Assets per employee ($millions) | 4.3142% | 3,234 |
| Cash dividends to net income (ytd only)* | 139.6876% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3185% | 1,600 |
| Loan loss allowance to noncurrent loans | 67.1781% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 2.1307% | 3,291 |
| Noncurrent loans to loans | 3.4513% | 2,305 |
| Net loans and leases to total assets | 56.4467% | 5,487 |
| Net loans and leases to deposits | 65.7693% | 5,691 |
| Net loans and leases to core deposits | 67.1446% | 6,027 |
| Total domestic deposits to total assets | 85.8253% | 3,169 |
| Equity capital to assets | 12.7283% | 1,731 |
| Core capital (leverage) ratio | 9.3636% | 4,114 |
| Tier 1 risk-based capital ratio | 15.2150% | 3,145 |
| Total risk-based capital ratio | 16.4766% | 3,111 |
| Memoranda: | ||
| Average total assets | $104,785,000 | 4,913 |
| Average earning assets | $94,351,000 | 4,942 |
| Average equity | $13,531,250 | 4,320 |
| Average total loans | $64,311,500 | 4,967 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3130% | 3,404 |
| Cost of funding earning assets | 1.1354% | 5,485 |
| Net interest margin | 4.1776% | 2,235 |
| Noninterest income to average assets | 0.5802% | 3,479 |
| Noninterest expense to average assets | 2.9587% | 3,857 |
| Loan and lease loss provision to assets | 0.2891% | 4,077 |
| Net operating income to assets | 1.0910% | 1,885 |
| Return on assets (ROA) | 1.0910% | 1,953 |
| Pretax return on assets | 1.0910% | 2,807 |
| Return on Equity (ROE) | 8.4066% | 2,709 |
| Retained earnings to average equity (ytd only) | -10.5899% | 6,939 |
| Net charge-offs to loans | -0.1508% | 7,611 |
| Credit loss provision to net charge-offs | -306.1224% | 6,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7041% | 5,036 |
| Assets per employee ($millions) | 4.4282% | 3,002 |
| Cash dividends to net income (ytd only)* | 225.9717% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2104% | 1,734 |
| Loan loss allowance to noncurrent loans | 112.4099% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 1.5676% | 4,109 |
| Noncurrent loans to loans | 1.9663% | 3,768 |
| Net loans and leases to total assets | 58.4469% | 5,344 |
| Net loans and leases to deposits | 68.0496% | 5,557 |
| Net loans and leases to core deposits | 69.4783% | 5,921 |
| Total domestic deposits to total assets | 85.8886% | 3,156 |
| Equity capital to assets | 12.5814% | 1,752 |
| Core capital (leverage) ratio | 9.2446% | 4,221 |
| Tier 1 risk-based capital ratio | 14.6176% | 3,371 |
| Total risk-based capital ratio | 15.8789% | 3,340 |
| Memoranda: | ||
| Average total assets | $103,762,000 | 4,972 |
| Average earning assets | $93,355,330 | 5,006 |
| Average equity | $13,465,670 | 4,335 |
| Average total loans | $64,973,670 | 4,980 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3647% | 3,216 |
| Cost of funding earning assets | 1.1883% | 5,466 |
| Net interest margin | 4.1765% | 2,136 |
| Noninterest income to average assets | 0.6673% | 2,832 |
| Noninterest expense to average assets | 3.1179% | 3,194 |
| Loan and lease loss provision to assets | 0.3707% | 3,144 |
| Net operating income to assets | 0.9092% | 2,507 |
| Return on assets (ROA) | 0.9092% | 2,574 |
| Pretax return on assets | 0.9092% | 3,432 |
| Return on Equity (ROE) | 6.8971% | 3,398 |
| Retained earnings to average equity (ytd only) | -27.9731% | 7,510 |
| Net charge-offs to loans | -0.3531% | 7,766 |
| Credit loss provision to net charge-offs | -163.7931% | 6,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4117% | 4,639 |
| Assets per employee ($millions) | 4.2024% | 3,454 |
| Cash dividends to net income (ytd only)* | 505.5794% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0910% | 1,978 |
| Loan loss allowance to noncurrent loans | 116.9681% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 1.7163% | 3,899 |
| Noncurrent loans to loans | 1.7876% | 4,066 |
| Net loans and leases to total assets | 63.0477% | 4,523 |
| Net loans and leases to deposits | 73.7842% | 4,780 |
| Net loans and leases to core deposits | 75.4208% | 5,341 |
| Total domestic deposits to total assets | 85.4487% | 3,441 |
| Equity capital to assets | 12.9232% | 1,555 |
| Core capital (leverage) ratio | 9.3015% | 4,054 |
| Tier 1 risk-based capital ratio | 14.2986% | 3,491 |
| Total risk-based capital ratio | 15.5595% | 3,452 |
| Memoranda: | ||
| Average total assets | $102,505,000 | 5,075 |
| Average earning assets | $91,561,000 | 5,118 |
| Average equity | $13,513,000 | 4,353 |
| Average total loans | $65,701,000 | 5,006 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0912% | 1,540 |
| Cost of funding earning assets | 1.5412% | 5,332 |
| Net interest margin | 4.5500% | 1,074 |
| Noninterest income to average assets | 0.6355% | 3,382 |
| Noninterest expense to average assets | 3.0369% | 4,002 |
| Loan and lease loss provision to assets | 0.2253% | 5,563 |
| Net operating income to assets | 1.3950% | 860 |
| Return on assets (ROA) | 1.3950% | 917 |
| Pretax return on assets | 1.4001% | 1,439 |
| Return on Equity (ROE) | 10.0336% | 1,679 |
| Retained earnings to average equity (ytd only) | 4.9499% | 1,844 |
| Net charge-offs to loans | 0.6380% | 3,284 |
| Credit loss provision to net charge-offs | 50.2304% | 6,742 |
| Earnings coverage of net charge-offs (x) | 3.6244% | 3,270 |
| Efficiency ratio | 62.6551% | 6,029 |
| Assets per employee ($millions) | 4.0059% | 3,808 |
| Cash dividends to net income (ytd only)* | 50.6667% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 2,502 |
| Loan loss allowance to noncurrent loans | 57.4905% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 2.6845% | 2,613 |
| Noncurrent loans to loans | 3.1540% | 2,430 |
| Net loans and leases to total assets | 62.6492% | 4,876 |
| Net loans and leases to deposits | 73.6825% | 5,096 |
| Net loans and leases to core deposits | 83.9608% | 5,717 |
| Total domestic deposits to total assets | 85.0259% | 3,540 |
| Equity capital to assets | 13.4341% | 1,351 |
| Core capital (leverage) ratio | 10.0020% | 3,087 |
| Tier 1 risk-based capital ratio | 15.1567% | 2,866 |
| Total risk-based capital ratio | 16.4141% | 2,820 |
| Memoranda: | ||
| Average total assets | $96,775,600 | 5,175 |
| Average earning assets | $85,647,800 | 5,276 |
| Average equity | $13,454,800 | 4,394 |
| Average total loans | $68,025,000 | 4,937 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2435% | 1,258 |
| Cost of funding earning assets | 1.5926% | 5,432 |
| Net interest margin | 4.6508% | 908 |
| Noninterest income to average assets | 0.7205% | 2,882 |
| Noninterest expense to average assets | 3.3638% | 2,678 |
| Loan and lease loss provision to assets | 0.2598% | 4,878 |
| Net operating income to assets | 1.2079% | 1,449 |
| Return on assets (ROA) | 1.2079% | 1,505 |
| Pretax return on assets | 1.2107% | 2,231 |
| Return on Equity (ROE) | 8.6081% | 2,406 |
| Retained earnings to average equity (ytd only) | 2.3022% | 4,040 |
| Net charge-offs to loans | 0.4677% | 3,350 |
| Credit loss provision to net charge-offs | 77.0833% | 5,831 |
| Earnings coverage of net charge-offs (x) | 4.3625% | 3,163 |
| Efficiency ratio | 67.1412% | 5,156 |
| Assets per employee ($millions) | 4.0376% | 3,656 |
| Cash dividends to net income (ytd only)* | 73.2558% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0058% | 1,785 |
| Loan loss allowance to noncurrent loans | 67.4901% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 2.6313% | 2,646 |
| Noncurrent loans to loans | 2.9719% | 2,545 |
| Net loans and leases to total assets | 66.1172% | 4,403 |
| Net loans and leases to deposits | 77.9896% | 4,739 |
| Net loans and leases to core deposits | 89.6077% | 5,474 |
| Total domestic deposits to total assets | 84.7769% | 3,335 |
| Equity capital to assets | 13.4527% | 1,519 |
| Core capital (leverage) ratio | 9.9569% | 3,333 |
| Tier 1 risk-based capital ratio | 14.4752% | 3,292 |
| Total risk-based capital ratio | 15.7353% | 3,231 |
| Memoranda: | ||
| Average total assets | $94,931,250 | 5,272 |
| Average earning assets | $83,968,500 | 5,376 |
| Average equity | $13,320,500 | 4,453 |
| Average total loans | $68,417,250 | 4,973 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3279% | 1,142 |
| Cost of funding earning assets | 1.6380% | 5,569 |
| Net interest margin | 4.6900% | 812 |
| Noninterest income to average assets | 0.6521% | 3,333 |
| Noninterest expense to average assets | 3.3682% | 2,731 |
| Loan and lease loss provision to assets | 0.2475% | 4,599 |
| Net operating income to assets | 1.1794% | 1,536 |
| Return on assets (ROA) | 1.1794% | 1,619 |
| Pretax return on assets | 1.1837% | 2,351 |
| Return on Equity (ROE) | 8.2815% | 2,659 |
| Retained earnings to average equity (ytd only) | -0.4231% | 5,330 |
| Net charge-offs to loans | 0.5283% | 2,744 |
| Credit loss provision to net charge-offs | 63.5359% | 5,532 |
| Earnings coverage of net charge-offs (x) | 3.6740% | 3,346 |
| Efficiency ratio | 67.6682% | 5,219 |
| Assets per employee ($millions) | 3.7287% | 4,259 |
| Cash dividends to net income (ytd only)* | 105.1095% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9596% | 1,655 |
| Loan loss allowance to noncurrent loans | 97.1326% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 2.3229% | 2,803 |
| Noncurrent loans to loans | 2.0174% | 3,492 |
| Net loans and leases to total assets | 69.9269% | 3,719 |
| Net loans and leases to deposits | 82.8085% | 4,084 |
| Net loans and leases to core deposits | 92.8238% | 5,263 |
| Total domestic deposits to total assets | 84.4441% | 3,526 |
| Equity capital to assets | 13.7034% | 1,418 |
| Core capital (leverage) ratio | 10.2880% | 3,008 |
| Tier 1 risk-based capital ratio | 14.1969% | 3,400 |
| Total risk-based capital ratio | 15.4568% | 3,336 |
| Memoranda: | ||
| Average total assets | $92,928,670 | 5,372 |
| Average earning assets | $82,175,330 | 5,458 |
| Average equity | $13,234,330 | 4,482 |
| Average total loans | $68,521,670 | 5,016 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5390% | 804 |
| Cost of funding earning assets | 1.7725% | 5,249 |
| Net interest margin | 4.7665% | 658 |
| Noninterest income to average assets | 0.7127% | 2,809 |
| Noninterest expense to average assets | 3.4140% | 2,317 |
| Loan and lease loss provision to assets | 0.4399% | 2,723 |
| Net operating income to assets | 1.0735% | 2,050 |
| Return on assets (ROA) | 1.0735% | 2,185 |
| Pretax return on assets | 1.0823% | 3,055 |
| Return on Equity (ROE) | 7.3889% | 3,425 |
| Retained earnings to average equity (ytd only) | -8.4185% | 6,952 |
| Net charge-offs to loans | 0.7682% | 1,671 |
| Credit loss provision to net charge-offs | 76.3359% | 4,250 |
| Earnings coverage of net charge-offs (x) | 2.6412% | 3,438 |
| Efficiency ratio | 69.1622% | 4,745 |
| Assets per employee ($millions) | 3.6311% | 4,504 |
| Cash dividends to net income (ytd only)* | 213.9344% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0364% | 1,344 |
| Loan loss allowance to noncurrent loans | 82.0543% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 2.9534% | 1,917 |
| Noncurrent loans to loans | 2.4818% | 2,650 |
| Net loans and leases to total assets | 73.6610% | 2,849 |
| Net loans and leases to deposits | 88.1001% | 3,275 |
| Net loans and leases to core deposits | 98.8017% | 4,666 |
| Total domestic deposits to total assets | 83.6106% | 3,872 |
| Equity capital to assets | 14.3603% | 1,263 |
| Core capital (leverage) ratio | 10.3921% | 3,031 |
| Tier 1 risk-based capital ratio | 14.3627% | 3,386 |
| Total risk-based capital ratio | 15.6243% | 3,301 |
| Memoranda: | ||
| Average total assets | $90,919,500 | 5,455 |
| Average earning assets | $80,563,000 | 5,534 |
| Average equity | $13,209,000 | 4,533 |
| Average total loans | $68,209,000 | 5,046 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9781% | 1,193 |
| Cost of funding earning assets | 2.2629% | 5,322 |
| Net interest margin | 4.7152% | 943 |
| Noninterest income to average assets | 0.6421% | 3,533 |
| Noninterest expense to average assets | 3.1250% | 3,601 |
| Loan and lease loss provision to assets | 0.9129% | 1,633 |
| Net operating income to assets | 0.8433% | 3,253 |
| Return on assets (ROA) | 0.8433% | 3,083 |
| Pretax return on assets | 0.8433% | 3,915 |
| Return on Equity (ROE) | 5.8213% | 4,020 |
| Retained earnings to average equity (ytd only) | -9.3746% | 7,012 |
| Net charge-offs to loans | 0.3954% | 2,837 |
| Credit loss provision to net charge-offs | 311.3139% | 1,448 |
| Earnings coverage of net charge-offs (x) | 5.9891% | 3,470 |
| Efficiency ratio | 61.5654% | 6,038 |
| Assets per employee ($millions) | 3.2522% | 5,328 |
| Cash dividends to net income (ytd only)* | 261.0406% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0848% | 1,094 |
| Loan loss allowance to noncurrent loans | 96.4698% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 2.2732% | 2,142 |
| Noncurrent loans to loans | 2.1611% | 2,552 |
| Net loans and leases to total assets | 73.2904% | 3,287 |
| Net loans and leases to deposits | 90.2183% | 3,416 |
| Net loans and leases to core deposits | 100.5333% | 4,774 |
| Total domestic deposits to total assets | 81.2368% | 4,540 |
| Equity capital to assets | 14.6956% | 1,251 |
| Core capital (leverage) ratio | 10.6490% | 2,861 |
| Tier 1 risk-based capital ratio | 14.8269% | 3,134 |
| Total risk-based capital ratio | 16.0892% | 3,044 |
| Memoranda: | ||
| Average total assets | $93,439,600 | 5,243 |
| Average earning assets | $84,005,400 | 5,303 |
| Average equity | $13,536,600 | 4,444 |
| Average total loans | $69,290,000 | 4,900 |