Home > Rural American Bank - Luck > Performance and Condition Ratios
Rural American Bank - Luck, 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 | 5.3896% | 2,722 |
| Cost of funding earning assets | 1.2655% | 4,105 |
| Net interest margin | 4.1241% | 2,466 |
| Noninterest income to average assets | 1.4603% | 680 |
| Noninterest expense to average assets | 3.4295% | 2,354 |
| Loan and lease loss provision to assets | 0.4121% | 3,633 |
| Net operating income to assets | 1.4531% | 847 |
| Return on assets (ROA) | 1.4585% | 904 |
| Pretax return on assets | 1.4603% | 1,478 |
| Return on Equity (ROE) | 19.2399% | 298 |
| Retained earnings to average equity (ytd only) | 1.0400% | 5,020 |
| Net charge-offs to loans | 0.1416% | 5,507 |
| Credit loss provision to net charge-offs | 433.9623% | 537 |
| Earnings coverage of net charge-offs (x) | 19.6604% | 1,048 |
| Efficiency ratio | 64.7497% | 5,209 |
| Assets per employee ($millions) | 3.4543% | 5,043 |
| Cash dividends to net income (ytd only)* | 94.5946% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5437% | 1,360 |
| Loan loss allowance to noncurrent loans | 71.2000% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 2.7212% | 2,563 |
| Noncurrent loans to loans | 3.5726% | 2,102 |
| Net loans and leases to total assets | 61.6964% | 4,347 |
| Net loans and leases to deposits | 68.7868% | 4,988 |
| Net loans and leases to core deposits | 69.2113% | 5,523 |
| Total domestic deposits to total assets | 89.6922% | 1,275 |
| Equity capital to assets | 7.4943% | 6,881 |
| Core capital (leverage) ratio | 7.2207% | 6,897 |
| Tier 1 risk-based capital ratio | 11.3158% | 6,076 |
| Total risk-based capital ratio | 12.5795% | 6,056 |
| Memoranda: | ||
| Average total assets | $55,810,600 | 6,347 |
| Average earning assets | $51,914,400 | 6,292 |
| Average equity | $4,230,800 | 6,910 |
| Average total loans | $37,432,400 | 6,039 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4615% | 2,595 |
| Cost of funding earning assets | 1.2826% | 4,349 |
| Net interest margin | 4.1788% | 2,294 |
| Noninterest income to average assets | 1.4108% | 683 |
| Noninterest expense to average assets | 3.4151% | 2,250 |
| Loan and lease loss provision to assets | 0.3694% | 3,684 |
| Net operating income to assets | 1.5086% | 911 |
| Return on assets (ROA) | 1.5157% | 973 |
| Pretax return on assets | 1.5157% | 1,570 |
| Return on Equity (ROE) | 19.9384% | 310 |
| Retained earnings to average equity (ytd only) | 5.6428% | 2,571 |
| Net charge-offs to loans | 0.1367% | 5,203 |
| Credit loss provision to net charge-offs | 397.4359% | 766 |
| Earnings coverage of net charge-offs (x) | 20.2046% | 1,179 |
| Efficiency ratio | 64.5205% | 5,148 |
| Assets per employee ($millions) | 3.7281% | 4,441 |
| Cash dividends to net income (ytd only)* | 71.6974% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3001% | 1,628 |
| Loan loss allowance to noncurrent loans | 54.5395% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 3.0114% | 2,408 |
| Noncurrent loans to loans | 4.2173% | 1,730 |
| Net loans and leases to total assets | 62.9692% | 4,332 |
| Net loans and leases to deposits | 72.8279% | 4,720 |
| Net loans and leases to core deposits | 73.6704% | 5,335 |
| Total domestic deposits to total assets | 86.4630% | 2,819 |
| Equity capital to assets | 7.8110% | 6,924 |
| Core capital (leverage) ratio | 7.5739% | 6,789 |
| Tier 1 risk-based capital ratio | 11.6527% | 5,783 |
| Total risk-based capital ratio | 12.9151% | 5,745 |
| Memoranda: | ||
| Average total assets | $55,946,000 | 6,416 |
| Average earning assets | $51,975,000 | 6,371 |
| Average equity | $4,253,000 | 6,992 |
| Average total loans | $38,043,250 | 6,096 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4500% | 2,751 |
| Cost of funding earning assets | 1.2974% | 4,555 |
| Net interest margin | 4.1526% | 2,327 |
| Noninterest income to average assets | 1.3654% | 676 |
| Noninterest expense to average assets | 3.4528% | 2,139 |
| Loan and lease loss provision to assets | 0.2323% | 4,592 |
| Net operating income to assets | 1.5191% | 877 |
| Return on assets (ROA) | 1.5191% | 941 |
| Pretax return on assets | 1.5584% | 1,407 |
| Return on Equity (ROE) | 20.1677% | 310 |
| Retained earnings to average equity (ytd only) | 11.2939% | 595 |
| Net charge-offs to loans | 0.0568% | 5,595 |
| Credit loss provision to net charge-offs | 590.9091% | 634 |
| Earnings coverage of net charge-offs (x) | 45.5455% | 651 |
| Efficiency ratio | 65.8487% | 5,007 |
| Assets per employee ($millions) | 3.4958% | 4,939 |
| Cash dividends to net income (ytd only)* | 44.0000% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0568% | 2,058 |
| Loan loss allowance to noncurrent loans | 189.8515% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 1.0495% | 5,044 |
| Noncurrent loans to loans | 1.0834% | 5,152 |
| Net loans and leases to total assets | 65.3007% | 3,987 |
| Net loans and leases to deposits | 74.1002% | 4,662 |
| Net loans and leases to core deposits | 74.9441% | 5,331 |
| Total domestic deposits to total assets | 88.1249% | 1,941 |
| Equity capital to assets | 7.8399% | 6,893 |
| Core capital (leverage) ratio | 7.6593% | 6,664 |
| Tier 1 risk-based capital ratio | 11.0427% | 6,197 |
| Total risk-based capital ratio | 12.3024% | 6,177 |
| Memoranda: | ||
| Average total assets | $55,954,330 | 6,455 |
| Average earning assets | $52,257,000 | 6,399 |
| Average equity | $4,214,670 | 7,042 |
| Average total loans | $38,710,330 | 6,107 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4481% | 2,828 |
| Cost of funding earning assets | 1.3544% | 4,463 |
| Net interest margin | 4.0937% | 2,470 |
| Noninterest income to average assets | 1.2865% | 733 |
| Noninterest expense to average assets | 3.6380% | 1,645 |
| Loan and lease loss provision to assets | 0.4646% | 2,643 |
| Net operating income to assets | 0.9863% | 2,236 |
| Return on assets (ROA) | 0.9863% | 2,296 |
| Pretax return on assets | 1.0078% | 3,063 |
| Return on Equity (ROE) | 13.3672% | 1,177 |
| Retained earnings to average equity (ytd only) | 8.5240% | 1,525 |
| Net charge-offs to loans | 0.0304% | 5,146 |
| Credit loss provision to net charge-offs | 2,166.6667% | 238 |
| Earnings coverage of net charge-offs (x) | 68.6667% | 445 |
| Efficiency ratio | 71.1888% | 4,086 |
| Assets per employee ($millions) | 3.7153% | 4,538 |
| Cash dividends to net income (ytd only)* | 36.2319% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9818% | 2,237 |
| Loan loss allowance to noncurrent loans | 150.1938% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 1.3637% | 4,469 |
| Noncurrent loans to loans | 1.3195% | 4,775 |
| Net loans and leases to total assets | 68.7798% | 3,205 |
| Net loans and leases to deposits | 78.0672% | 4,025 |
| Net loans and leases to core deposits | 78.9548% | 4,901 |
| Total domestic deposits to total assets | 88.1034% | 2,001 |
| Equity capital to assets | 7.4807% | 7,085 |
| Core capital (leverage) ratio | 7.2141% | 7,103 |
| Tier 1 risk-based capital ratio | 10.3728% | 6,737 |
| Total risk-based capital ratio | 11.6463% | 6,719 |
| Memoranda: | ||
| Average total assets | $55,965,500 | 6,536 |
| Average earning assets | $52,275,500 | 6,468 |
| Average equity | $4,129,500 | 7,132 |
| Average total loans | $39,420,000 | 6,150 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7373% | 2,920 |
| Cost of funding earning assets | 1.5638% | 5,211 |
| Net interest margin | 4.1735% | 2,160 |
| Noninterest income to average assets | 1.5760% | 577 |
| Noninterest expense to average assets | 3.3755% | 2,760 |
| Loan and lease loss provision to assets | 0.4328% | 4,230 |
| Net operating income to assets | 1.6048% | 545 |
| Return on assets (ROA) | 1.6048% | 579 |
| Pretax return on assets | 1.6319% | 896 |
| Return on Equity (ROE) | 21.2218% | 188 |
| Retained earnings to average equity (ytd only) | 1.1207% | 4,263 |
| Net charge-offs to loans | 0.3511% | 4,474 |
| Credit loss provision to net charge-offs | 169.0141% | 2,532 |
| Earnings coverage of net charge-offs (x) | 8.0634% | 2,010 |
| Efficiency ratio | 62.0484% | 6,149 |
| Assets per employee ($millions) | 3.5126% | 4,979 |
| Cash dividends to net income (ytd only)* | 94.7191% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7944% | 2,560 |
| Loan loss allowance to noncurrent loans | 47.8845% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 2.9181% | 2,397 |
| Noncurrent loans to loans | 3.7474% | 2,001 |
| Net loans and leases to total assets | 69.4311% | 3,379 |
| Net loans and leases to deposits | 78.2815% | 4,319 |
| Net loans and leases to core deposits | 88.4669% | 5,277 |
| Total domestic deposits to total assets | 88.6942% | 1,629 |
| Equity capital to assets | 7.2775% | 7,215 |
| Core capital (leverage) ratio | 7.2288% | 7,046 |
| Tier 1 risk-based capital ratio | 10.0398% | 6,835 |
| Total risk-based capital ratio | 11.3114% | 6,785 |
| Memoranda: | ||
| Average total assets | $55,457,800 | 6,511 |
| Average earning assets | $51,347,800 | 6,481 |
| Average equity | $4,193,800 | 7,214 |
| Average total loans | $40,448,000 | 6,079 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7982% | 2,906 |
| Cost of funding earning assets | 1.6048% | 5,378 |
| Net interest margin | 4.1934% | 2,088 |
| Noninterest income to average assets | 1.6331% | 550 |
| Noninterest expense to average assets | 3.5267% | 2,210 |
| Loan and lease loss provision to assets | 0.5186% | 3,311 |
| Net operating income to assets | 1.4401% | 943 |
| Return on assets (ROA) | 1.4401% | 1,002 |
| Pretax return on assets | 1.4642% | 1,506 |
| Return on Equity (ROE) | 18.8632% | 370 |
| Retained earnings to average equity (ytd only) | 8.4996% | 974 |
| Net charge-offs to loans | 0.2494% | 4,490 |
| Credit loss provision to net charge-offs | 282.8947% | 1,484 |
| Earnings coverage of net charge-offs (x) | 10.8158% | 1,916 |
| Efficiency ratio | 64.0105% | 5,752 |
| Assets per employee ($millions) | 3.4716% | 4,997 |
| Cash dividends to net income (ytd only)* | 54.9411% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8983% | 2,039 |
| Loan loss allowance to noncurrent loans | 63.7902% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 2.5150% | 2,756 |
| Noncurrent loans to loans | 2.9758% | 2,541 |
| Net loans and leases to total assets | 70.1509% | 3,473 |
| Net loans and leases to deposits | 79.7699% | 4,424 |
| Net loans and leases to core deposits | 88.5128% | 5,593 |
| Total domestic deposits to total assets | 87.9415% | 1,684 |
| Equity capital to assets | 7.8494% | 6,989 |
| Core capital (leverage) ratio | 7.7302% | 6,690 |
| Tier 1 risk-based capital ratio | 10.6455% | 6,305 |
| Total risk-based capital ratio | 11.9042% | 6,273 |
| Memoranda: | ||
| Average total assets | $55,272,000 | 6,568 |
| Average earning assets | $51,095,000 | 6,535 |
| Average equity | $4,219,750 | 7,274 |
| Average total loans | $40,626,500 | 6,126 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8537% | 2,785 |
| Cost of funding earning assets | 1.6269% | 5,628 |
| Net interest margin | 4.2268% | 1,893 |
| Noninterest income to average assets | 1.5839% | 597 |
| Noninterest expense to average assets | 3.4722% | 2,423 |
| Loan and lease loss provision to assets | 0.4349% | 3,381 |
| Net operating income to assets | 1.5875% | 697 |
| Return on assets (ROA) | 1.5875% | 763 |
| Pretax return on assets | 1.6129% | 1,177 |
| Return on Equity (ROE) | 20.9921% | 283 |
| Retained earnings to average equity (ytd only) | 13.6113% | 276 |
| Net charge-offs to loans | 0.3812% | 3,295 |
| Credit loss provision to net charge-offs | 153.8462% | 2,983 |
| Earnings coverage of net charge-offs (x) | 7.2436% | 2,471 |
| Efficiency ratio | 62.9022% | 6,098 |
| Assets per employee ($millions) | 3.4787% | 4,865 |
| Cash dividends to net income (ytd only)* | 35.1598% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5621% | 2,905 |
| Loan loss allowance to noncurrent loans | 62.0397% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 2.3967% | 2,708 |
| Noncurrent loans to loans | 2.5179% | 2,874 |
| Net loans and leases to total assets | 74.3851% | 2,599 |
| Net loans and leases to deposits | 84.5094% | 3,792 |
| Net loans and leases to core deposits | 94.5510% | 5,054 |
| Total domestic deposits to total assets | 88.0199% | 1,762 |
| Equity capital to assets | 7.7849% | 6,998 |
| Core capital (leverage) ratio | 7.7726% | 6,645 |
| Tier 1 risk-based capital ratio | 10.3083% | 6,588 |
| Total risk-based capital ratio | 11.5612% | 6,519 |
| Memoranda: | ||
| Average total assets | $55,180,670 | 6,631 |
| Average earning assets | $51,386,330 | 6,580 |
| Average equity | $4,173,000 | 7,352 |
| Average total loans | $40,928,670 | 6,159 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8961% | 2,818 |
| Cost of funding earning assets | 1.6835% | 5,670 |
| Net interest margin | 4.2126% | 1,850 |
| Noninterest income to average assets | 1.4415% | 677 |
| Noninterest expense to average assets | 3.4073% | 2,335 |
| Loan and lease loss provision to assets | 0.5460% | 2,290 |
| Net operating income to assets | 1.3760% | 1,190 |
| Return on assets (ROA) | 1.3760% | 1,281 |
| Pretax return on assets | 1.4051% | 1,952 |
| Return on Equity (ROE) | 18.4706% | 554 |
| Retained earnings to average equity (ytd only) | 12.7046% | 685 |
| Net charge-offs to loans | 0.6937% | 1,798 |
| Credit loss provision to net charge-offs | 107.1429% | 3,567 |
| Earnings coverage of net charge-offs (x) | 3.8286% | 3,050 |
| Efficiency ratio | 63.5870% | 5,765 |
| Assets per employee ($millions) | 3.2554% | 5,439 |
| Cash dividends to net income (ytd only)* | 31.2169% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 2,902 |
| Loan loss allowance to noncurrent loans | 76.5432% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 2.5568% | 2,246 |
| Noncurrent loans to loans | 1.9772% | 3,293 |
| Net loans and leases to total assets | 72.9067% | 3,028 |
| Net loans and leases to deposits | 82.6515% | 4,183 |
| Net loans and leases to core deposits | 91.1716% | 5,447 |
| Total domestic deposits to total assets | 88.2097% | 1,642 |
| Equity capital to assets | 7.4681% | 7,375 |
| Core capital (leverage) ratio | 7.4139% | 7,261 |
| Tier 1 risk-based capital ratio | 10.1257% | 6,782 |
| Total risk-based capital ratio | 11.3798% | 6,693 |
| Memoranda: | ||
| Average total assets | $54,941,500 | 6,671 |
| Average earning assets | $51,084,500 | 6,616 |
| Average equity | $4,093,000 | 7,421 |
| Average total loans | $40,363,500 | 6,220 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1870% | 4,582 |
| Cost of funding earning assets | 2.0693% | 6,166 |
| Net interest margin | 4.1177% | 2,630 |
| Noninterest income to average assets | 1.1199% | 1,245 |
| Noninterest expense to average assets | 3.0183% | 4,020 |
| Loan and lease loss provision to assets | 0.3244% | 3,785 |
| Net operating income to assets | 1.4494% | 1,131 |
| Return on assets (ROA) | 1.4494% | 1,080 |
| Pretax return on assets | 1.4733% | 1,755 |
| Return on Equity (ROE) | 19.5514% | 410 |
| Retained earnings to average equity (ytd only) | -7.2541% | 6,809 |
| Net charge-offs to loans | 0.0690% | 5,784 |
| Credit loss provision to net charge-offs | 703.7037% | 597 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 959 |
| Efficiency ratio | 62.6728% | 5,832 |
| Assets per employee ($millions) | 3.2083% | 5,463 |
| Cash dividends to net income (ytd only)* | 137.1025% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 2,466 |
| Loan loss allowance to noncurrent loans | 32.1821% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 4.2482% | 932 |
| Noncurrent loans to loans | 4.8065% | 945 |
| Net loans and leases to total assets | 71.7699% | 3,635 |
| Net loans and leases to deposits | 81.4617% | 4,801 |
| Net loans and leases to core deposits | 89.0973% | 5,882 |
| Total domestic deposits to total assets | 88.1025% | 1,431 |
| Equity capital to assets | 7.4311% | 7,444 |
| Core capital (leverage) ratio | 7.5476% | 7,144 |
| Tier 1 risk-based capital ratio | 10.0815% | 6,645 |
| Total risk-based capital ratio | 11.3358% | 6,515 |
| Memoranda: | ||
| Average total assets | $58,576,000 | 6,427 |
| Average earning assets | $52,577,800 | 6,483 |
| Average equity | $4,342,400 | 7,374 |
| Average total loans | $39,119,400 | 6,217 |