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Benchmark 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 | 5.0581% | 6,422 |
| Cost of funding earning assets | 2.6186% | 986 |
| Net interest margin | 2.4395% | 7,528 |
| Noninterest income to average assets | 0.5357% | 4,190 |
| Noninterest expense to average assets | 8.1410% | 153 |
| Loan and lease loss provision to assets | 14.7827% | 6 |
| Net operating income to assets | -20.5858% | 8,086 |
| Return on assets (ROA) | -23.8161% | 8,091 |
| Pretax return on assets | -23.2811% | 8,090 |
| Return on Equity (ROE) | 813.3989% | 1 |
| Retained earnings to average equity (ytd only) | 813.3989% | 1 |
| Net charge-offs to loans | 17.9357% | 8 |
| Credit loss provision to net charge-offs | 111.7486% | 4,542 |
| Earnings coverage of net charge-offs (x) | -0.3982% | 6,429 |
| Efficiency ratio | 283.3606% | 69 |
| Assets per employee ($millions) | 4.1205% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6811% | 23 |
| Loan loss allowance to noncurrent loans | 50.3188% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 18.1987% | 65 |
| Noncurrent loans to loans | 17.2522% | 97 |
| Net loans and leases to total assets | 67.6272% | 4,044 |
| Net loans and leases to deposits | 64.0386% | 6,487 |
| Net loans and leases to core deposits | 80.7085% | 6,291 |
| Total domestic deposits to total assets | 105.6038% | 1 |
| Equity capital to assets | -13.5142% | 8,099 |
| Core capital (leverage) ratio | -12.9984% | 8,099 |
| Tier 1 risk-based capital ratio | -16.7675% | 8,099 |
| Total risk-based capital ratio | -16.7675% | 8,099 |
| Memoranda: | ||
| Average total assets | $198,857,500 | 3,214 |
| Average earning assets | $190,528,500 | 3,111 |
| Average equity | $-5,822,500 | 8,098 |
| Average total loans | $146,668,250 | 3,001 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9799% | 6,834 |
| Cost of funding earning assets | 2.5945% | 1,303 |
| Net interest margin | 2.3853% | 7,586 |
| Noninterest income to average assets | 0.5138% | 4,318 |
| Noninterest expense to average assets | 7.9304% | 165 |
| Loan and lease loss provision to assets | 15.4452% | 8 |
| Net operating income to assets | -21.3231% | 8,176 |
| Return on assets (ROA) | -25.7982% | 8,179 |
| Pretax return on assets | -25.0289% | 8,178 |
| Return on Equity (ROE) | -163,820.0184% | 8,195 |
| Retained earnings to average equity (ytd only) | -163,820.0184% | 8,195 |
| Net charge-offs to loans | 25.0320% | 8 |
| Credit loss provision to net charge-offs | 83.7524% | 5,094 |
| Earnings coverage of net charge-offs (x) | -0.2770% | 5,939 |
| Efficiency ratio | 281.0386% | 92 |
| Assets per employee ($millions) | 4.1623% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0784% | 244 |
| Loan loss allowance to noncurrent loans | 22.3749% | 6,996 |
| Noncurrent assets plus other real estate owned to assets | 14.0436% | 118 |
| Noncurrent loans to loans | 18.2278% | 74 |
| Net loans and leases to total assets | 71.5737% | 3,328 |
| Net loans and leases to deposits | 70.2343% | 5,967 |
| Net loans and leases to core deposits | 87.8828% | 5,737 |
| Total domestic deposits to total assets | 101.9071% | 4 |
| Equity capital to assets | -8.7009% | 8,194 |
| Core capital (leverage) ratio | -7.2224% | 8,193 |
| Tier 1 risk-based capital ratio | -9.5165% | 8,192 |
| Total risk-based capital ratio | -9.5165% | 8,192 |
| Memoranda: | ||
| Average total assets | $207,456,000 | 3,134 |
| Average earning assets | $200,728,670 | 2,990 |
| Average equity | $32,670 | 8,190 |
| Average total loans | $152,836,670 | 2,930 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9652% | 7,024 |
| Cost of funding earning assets | 2.5654% | 1,674 |
| Net interest margin | 2.3997% | 7,613 |
| Noninterest income to average assets | 0.4284% | 4,971 |
| Noninterest expense to average assets | 2.8814% | 4,225 |
| Loan and lease loss provision to assets | 1.3331% | 960 |
| Net operating income to assets | -1.4692% | 7,484 |
| Return on assets (ROA) | -1.5262% | 7,508 |
| Pretax return on assets | -1.5262% | 7,374 |
| Return on Equity (ROE) | -40.5002% | 7,995 |
| Retained earnings to average equity (ytd only) | -40.5002% | 7,974 |
| Net charge-offs to loans | 4.9744% | 217 |
| Credit loss provision to net charge-offs | 36.5792% | 4,863 |
| Earnings coverage of net charge-offs (x) | -0.0373% | 5,015 |
| Efficiency ratio | 104.9565% | 953 |
| Assets per employee ($millions) | 4.7554% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7601% | 122 |
| Loan loss allowance to noncurrent loans | 42.8085% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 8.1870% | 353 |
| Noncurrent loans to loans | 11.1196% | 217 |
| Net loans and leases to total assets | 69.0653% | 3,896 |
| Net loans and leases to deposits | 74.7265% | 5,396 |
| Net loans and leases to core deposits | 90.9994% | 5,456 |
| Total domestic deposits to total assets | 92.4242% | 130 |
| Equity capital to assets | 3.4231% | 8,188 |
| Core capital (leverage) ratio | 5.1083% | 8,116 |
| Tier 1 risk-based capital ratio | 5.7312% | 8,151 |
| Total risk-based capital ratio | 7.0157% | 8,153 |
| Memoranda: | ||
| Average total assets | $217,533,000 | 3,021 |
| Average earning assets | $210,023,500 | 2,881 |
| Average equity | $8,197,500 | 5,989 |
| Average total loans | $159,375,500 | 2,858 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2570% | 4,206 |
| Cost of funding earning assets | 3.2402% | 1,068 |
| Net interest margin | 3.0167% | 6,863 |
| Noninterest income to average assets | 0.3562% | 5,880 |
| Noninterest expense to average assets | 2.8831% | 4,508 |
| Loan and lease loss provision to assets | 3.7583% | 188 |
| Net operating income to assets | -3.2473% | 7,877 |
| Return on assets (ROA) | -3.2699% | 7,863 |
| Pretax return on assets | -3.4172% | 7,796 |
| Return on Equity (ROE) | -46.4016% | 8,136 |
| Retained earnings to average equity (ytd only) | -46.4016% | 8,112 |
| Net charge-offs to loans | 1.0080% | 1,224 |
| Credit loss provision to net charge-offs | 501.3609% | 867 |
| Earnings coverage of net charge-offs (x) | 0.4864% | 5,943 |
| Efficiency ratio | 82.6823% | 2,219 |
| Assets per employee ($millions) | 4.7026% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5008% | 74 |
| Loan loss allowance to noncurrent loans | 65.9874% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 6.1705% | 467 |
| Noncurrent loans to loans | 8.3362% | 311 |
| Net loans and leases to total assets | 69.9493% | 4,029 |
| Net loans and leases to deposits | 76.2797% | 5,556 |
| Net loans and leases to core deposits | 93.1306% | 5,534 |
| Total domestic deposits to total assets | 91.7011% | 179 |
| Equity capital to assets | 4.1175% | 8,246 |
| Core capital (leverage) ratio | 5.4684% | 8,166 |
| Tier 1 risk-based capital ratio | 6.2292% | 8,219 |
| Total risk-based capital ratio | 7.5082% | 8,220 |
| Memoranda: | ||
| Average total assets | $225,449,600 | 2,826 |
| Average earning assets | $216,095,000 | 2,700 |
| Average equity | $15,887,400 | 3,953 |
| Average total loans | $167,656,600 | 2,649 |