Home > McIntosh State Bank > Performance and Condition Ratios
McIntosh State Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2229% | 6,227 |
| Cost of funding earning assets | 1.7718% | 418 |
| Net interest margin | 2.4511% | 7,228 |
| Noninterest income to average assets | -0.5908% | 7,507 |
| Noninterest expense to average assets | 3.5743% | 1,818 |
| Loan and lease loss provision to assets | 0.8156% | 1,027 |
| Net operating income to assets | -2.8363% | 7,382 |
| Return on assets (ROA) | -2.8363% | 7,383 |
| Pretax return on assets | -2.8363% | 7,360 |
| Return on Equity (ROE) | -219.2155% | 7,542 |
| Retained earnings to average equity (ytd only) | -219.2155% | 7,540 |
| Net charge-offs to loans | 0.0425% | 4,520 |
| Credit loss provision to net charge-offs | 2,887.5000% | 137 |
| Earnings coverage of net charge-offs (x) | -71.5417% | 5,097 |
| Efficiency ratio | 230.0758% | 50 |
| Assets per employee ($millions) | 4.0955% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8727% | 465 |
| Loan loss allowance to noncurrent loans | 15.4244% | 6,908 |
| Noncurrent assets plus other real estate owned to assets | 24.4042% | 29 |
| Noncurrent loans to loans | 25.1076% | 34 |
| Net loans and leases to total assets | 62.7540% | 3,706 |
| Net loans and leases to deposits | 65.7574% | 5,006 |
| Net loans and leases to core deposits | 69.0324% | 5,163 |
| Total domestic deposits to total assets | 95.4326% | 46 |
| Equity capital to assets | 0.9734% | 7,558 |
| Core capital (leverage) ratio | 0.8776% | 7,560 |
| Tier 1 risk-based capital ratio | 1.2685% | 7,558 |
| Total risk-based capital ratio | 2.5371% | 7,558 |
| Memoranda: | ||
| Average total assets | $339,874,000 | 1,932 |
| Average earning assets | $297,330,500 | 2,014 |
| Average equity | $4,397,500 | 6,750 |
| Average total loans | $225,963,000 | 1,889 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3651% | 6,681 |
| Cost of funding earning assets | 1.9755% | 663 |
| Net interest margin | 2.3897% | 7,327 |
| Noninterest income to average assets | 0.3688% | 5,156 |
| Noninterest expense to average assets | 3.6866% | 1,734 |
| Loan and lease loss provision to assets | 2.6666% | 395 |
| Net operating income to assets | -3.8922% | 7,423 |
| Return on assets (ROA) | -3.7328% | 7,421 |
| Pretax return on assets | -3.7328% | 7,400 |
| Return on Equity (ROE) | -123.4893% | 7,619 |
| Retained earnings to average equity (ytd only) | -123.4893% | 7,619 |
| Net charge-offs to loans | 3.8455% | 345 |
| Credit loss provision to net charge-offs | 102.8893% | 4,386 |
| Earnings coverage of net charge-offs (x) | -0.4729% | 6,438 |
| Efficiency ratio | 149.8044% | 214 |
| Assets per employee ($millions) | 4.1441% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4455% | 611 |
| Loan loss allowance to noncurrent loans | 13.6883% | 7,021 |
| Noncurrent assets plus other real estate owned to assets | 24.6472% | 28 |
| Noncurrent loans to loans | 25.1708% | 42 |
| Net loans and leases to total assets | 65.3548% | 3,591 |
| Net loans and leases to deposits | 69.1187% | 4,944 |
| Net loans and leases to core deposits | 69.4544% | 5,497 |
| Total domestic deposits to total assets | 94.5545% | 71 |
| Equity capital to assets | 1.6144% | 7,619 |
| Core capital (leverage) ratio | 1.5632% | 7,619 |
| Tier 1 risk-based capital ratio | 2.2171% | 7,618 |
| Total risk-based capital ratio | 3.4919% | 7,619 |
| Memoranda: | ||
| Average total assets | $373,925,400 | 1,762 |
| Average earning assets | $327,368,000 | 1,820 |
| Average equity | $11,303,000 | 4,792 |
| Average total loans | $252,011,200 | 1,749 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 6,776 |
| Cost of funding earning assets | 2.0181% | 711 |
| Net interest margin | 2.4069% | 7,434 |
| Noninterest income to average assets | 0.6436% | 3,164 |
| Noninterest expense to average assets | 3.7870% | 1,392 |
| Loan and lease loss provision to assets | 2.8768% | 318 |
| Net operating income to assets | -3.9139% | 7,563 |
| Return on assets (ROA) | -3.7062% | 7,555 |
| Pretax return on assets | -3.7062% | 7,532 |
| Return on Equity (ROE) | -111.1079% | 7,702 |
| Retained earnings to average equity (ytd only) | -111.1079% | 7,702 |
| Net charge-offs to loans | 2.9994% | 512 |
| Credit loss provision to net charge-offs | 142.4478% | 2,773 |
| Earnings coverage of net charge-offs (x) | -0.5136% | 6,327 |
| Efficiency ratio | 137.7155% | 257 |
| Assets per employee ($millions) | 4.2506% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1619% | 323 |
| Loan loss allowance to noncurrent loans | 18.8395% | 6,950 |
| Noncurrent assets plus other real estate owned to assets | 22.9332% | 34 |
| Noncurrent loans to loans | 22.0914% | 55 |
| Net loans and leases to total assets | 66.7530% | 3,516 |
| Net loans and leases to deposits | 71.4844% | 4,916 |
| Net loans and leases to core deposits | 75.7958% | 5,082 |
| Total domestic deposits to total assets | 93.3812% | 84 |
| Equity capital to assets | 2.5801% | 7,708 |
| Core capital (leverage) ratio | 2.4036% | 7,705 |
| Tier 1 risk-based capital ratio | 3.4769% | 7,700 |
| Total risk-based capital ratio | 4.7611% | 7,701 |
| Memoranda: | ||
| Average total assets | $382,452,000 | 1,743 |
| Average earning assets | $334,702,750 | 1,808 |
| Average equity | $12,757,250 | 4,485 |
| Average total loans | $257,510,750 | 1,742 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4118% | 6,877 |
| Cost of funding earning assets | 2.0418% | 793 |
| Net interest margin | 2.3700% | 7,499 |
| Noninterest income to average assets | 0.5338% | 3,844 |
| Noninterest expense to average assets | 3.6338% | 1,696 |
| Loan and lease loss provision to assets | 3.8349% | 210 |
| Net operating income to assets | -4.8660% | 7,688 |
| Return on assets (ROA) | -4.5755% | 7,678 |
| Pretax return on assets | -4.5755% | 7,654 |
| Return on Equity (ROE) | -128.5755% | 7,766 |
| Retained earnings to average equity (ytd only) | -128.5755% | 7,766 |
| Net charge-offs to loans | 2.4944% | 688 |
| Credit loss provision to net charge-offs | 230.6752% | 1,680 |
| Earnings coverage of net charge-offs (x) | -0.6202% | 6,051 |
| Efficiency ratio | 139.6175% | 256 |
| Assets per employee ($millions) | 3.3827% | 5,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7556% | 208 |
| Loan loss allowance to noncurrent loans | 22.1648% | 6,838 |
| Noncurrent assets plus other real estate owned to assets | 21.4260% | 42 |
| Noncurrent loans to loans | 21.4556% | 64 |
| Net loans and leases to total assets | 63.0231% | 4,462 |
| Net loans and leases to deposits | 67.5301% | 5,609 |
| Net loans and leases to core deposits | 73.9973% | 5,448 |
| Total domestic deposits to total assets | 93.3259% | 100 |
| Equity capital to assets | 2.7453% | 7,767 |
| Core capital (leverage) ratio | 2.6907% | 7,754 |
| Tier 1 risk-based capital ratio | 3.8953% | 7,748 |
| Total risk-based capital ratio | 5.1851% | 7,749 |
| Memoranda: | ||
| Average total assets | $393,752,000 | 1,711 |
| Average earning assets | $343,712,000 | 1,778 |
| Average equity | $14,012,000 | 4,196 |
| Average total loans | $262,423,330 | 1,734 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4902% | 6,810 |
| Cost of funding earning assets | 2.0403% | 971 |
| Net interest margin | 2.4499% | 7,508 |
| Noninterest income to average assets | 0.1835% | 6,643 |
| Noninterest expense to average assets | 3.5165% | 1,937 |
| Loan and lease loss provision to assets | 6.7100% | 90 |
| Net operating income to assets | -7.8964% | 7,865 |
| Return on assets (ROA) | -7.8964% | 7,866 |
| Pretax return on assets | -7.8964% | 7,857 |
| Return on Equity (ROE) | -200.2845% | 7,887 |
| Retained earnings to average equity (ytd only) | -200.2845% | 7,886 |
| Net charge-offs to loans | 3.5350% | 398 |
| Credit loss provision to net charge-offs | 283.8465% | 1,390 |
| Earnings coverage of net charge-offs (x) | -0.5019% | 5,281 |
| Efficiency ratio | 150.9200% | 208 |
| Assets per employee ($millions) | 3.4827% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6248% | 240 |
| Loan loss allowance to noncurrent loans | 25.2742% | 6,714 |
| Noncurrent assets plus other real estate owned to assets | 19.0738% | 67 |
| Noncurrent loans to loans | 18.2984% | 101 |
| Net loans and leases to total assets | 62.9034% | 4,560 |
| Net loans and leases to deposits | 67.3618% | 5,666 |
| Net loans and leases to core deposits | 75.4310% | 5,337 |
| Total domestic deposits to total assets | 93.3815% | 96 |
| Equity capital to assets | 3.0162% | 7,847 |
| Core capital (leverage) ratio | 2.8309% | 7,851 |
| Tier 1 risk-based capital ratio | 4.1073% | 7,840 |
| Total risk-based capital ratio | 5.3952% | 7,842 |
| Memoranda: | ||
| Average total assets | $401,195,000 | 1,721 |
| Average earning assets | $351,518,500 | 1,774 |
| Average equity | $15,817,500 | 3,863 |
| Average total loans | $268,287,500 | 1,751 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2619% | 5,360 |
| Cost of funding earning assets | 2.5373% | 930 |
| Net interest margin | 2.7246% | 7,177 |
| Noninterest income to average assets | 0.1429% | 7,023 |
| Noninterest expense to average assets | 3.2023% | 3,373 |
| Loan and lease loss provision to assets | 2.2412% | 924 |
| Net operating income to assets | -2.9370% | 7,379 |
| Return on assets (ROA) | -3.0825% | 7,423 |
| Pretax return on assets | -3.0313% | 7,300 |
| Return on Equity (ROE) | -45.6444% | 7,633 |
| Retained earnings to average equity (ytd only) | -45.6444% | 7,622 |
| Net charge-offs to loans | 3.4675% | 561 |
| Credit loss provision to net charge-offs | 91.6881% | 5,945 |
| Earnings coverage of net charge-offs (x) | -0.2637% | 6,509 |
| Efficiency ratio | 125.2047% | 526 |
| Assets per employee ($millions) | 3.6833% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7594% | 968 |
| Loan loss allowance to noncurrent loans | 21.2410% | 7,002 |
| Noncurrent assets plus other real estate owned to assets | 14.3857% | 154 |
| Noncurrent loans to loans | 12.9909% | 242 |
| Net loans and leases to total assets | 65.8865% | 4,181 |
| Net loans and leases to deposits | 72.4409% | 5,266 |
| Net loans and leases to core deposits | 102.0171% | 3,800 |
| Total domestic deposits to total assets | 90.9521% | 550 |
| Equity capital to assets | 4.8344% | 7,802 |
| Core capital (leverage) ratio | 4.6226% | 7,794 |
| Tier 1 risk-based capital ratio | 6.5605% | 7,787 |
| Total risk-based capital ratio | 7.8269% | 7,788 |
| Memoranda: | ||
| Average total assets | $429,689,800 | 1,612 |
| Average earning assets | $380,831,200 | 1,653 |
| Average equity | $29,017,800 | 2,299 |
| Average total loans | $302,898,400 | 1,584 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4520% | 4,679 |
| Cost of funding earning assets | 2.6445% | 922 |
| Net interest margin | 2.8075% | 7,046 |
| Noninterest income to average assets | 0.1772% | 6,949 |
| Noninterest expense to average assets | 2.8515% | 4,662 |
| Loan and lease loss provision to assets | 1.7417% | 1,056 |
| Net operating income to assets | -1.3094% | 7,016 |
| Return on assets (ROA) | -1.4397% | 7,078 |
| Pretax return on assets | -2.1215% | 7,225 |
| Return on Equity (ROE) | -19.9840% | 7,369 |
| Retained earnings to average equity (ytd only) | -19.9840% | 7,336 |
| Net charge-offs to loans | 1.9381% | 1,027 |
| Credit loss provision to net charge-offs | 126.3287% | 3,982 |
| Earnings coverage of net charge-offs (x) | -0.1365% | 6,226 |
| Efficiency ratio | 107.0680% | 833 |
| Assets per employee ($millions) | 3.6468% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2570% | 527 |
| Loan loss allowance to noncurrent loans | 26.0471% | 6,723 |
| Noncurrent assets plus other real estate owned to assets | 12.9360% | 184 |
| Noncurrent loans to loans | 12.5043% | 247 |
| Net loans and leases to total assets | 68.7082% | 3,796 |
| Net loans and leases to deposits | 77.1830% | 4,866 |
| Net loans and leases to core deposits | 111.0897% | 3,117 |
| Total domestic deposits to total assets | 89.0198% | 1,181 |
| Equity capital to assets | 6.7550% | 7,686 |
| Core capital (leverage) ratio | 5.2573% | 7,902 |
| Tier 1 risk-based capital ratio | 7.1577% | 7,879 |
| Total risk-based capital ratio | 8.4314% | 7,879 |
| Memoranda: | ||
| Average total assets | $434,901,250 | 1,604 |
| Average earning assets | $385,096,250 | 1,655 |
| Average equity | $31,331,000 | 2,157 |
| Average total loans | $309,368,750 | 1,572 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5264% | 4,468 |
| Cost of funding earning assets | 2.7797% | 831 |
| Net interest margin | 2.7467% | 7,108 |
| Noninterest income to average assets | 0.5840% | 3,806 |
| Noninterest expense to average assets | 2.7741% | 5,071 |
| Loan and lease loss provision to assets | 1.2389% | 1,382 |
| Net operating income to assets | -0.7804% | 6,817 |
| Return on assets (ROA) | -1.3848% | 7,200 |
| Pretax return on assets | -1.7833% | 7,212 |
| Return on Equity (ROE) | -18.8484% | 7,476 |
| Retained earnings to average equity (ytd only) | -18.8484% | 7,421 |
| Net charge-offs to loans | 1.9425% | 958 |
| Credit loss provision to net charge-offs | 89.6121% | 4,939 |
| Earnings coverage of net charge-offs (x) | 0.1667% | 5,503 |
| Efficiency ratio | 92.3310% | 1,617 |
| Assets per employee ($millions) | 3.7064% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6956% | 755 |
| Loan loss allowance to noncurrent loans | 24.5708% | 6,868 |
| Noncurrent assets plus other real estate owned to assets | 12.4848% | 161 |
| Noncurrent loans to loans | 10.9709% | 279 |
| Net loans and leases to total assets | 69.4532% | 3,831 |
| Net loans and leases to deposits | 78.4978% | 4,785 |
| Net loans and leases to core deposits | 106.8473% | 3,738 |
| Total domestic deposits to total assets | 88.4778% | 1,539 |
| Equity capital to assets | 7.1794% | 7,497 |
| Core capital (leverage) ratio | 6.1757% | 7,883 |
| Tier 1 risk-based capital ratio | 8.3137% | 7,879 |
| Total risk-based capital ratio | 9.5796% | 7,904 |
| Memoranda: | ||
| Average total assets | $440,074,670 | 1,608 |
| Average earning assets | $387,808,330 | 1,671 |
| Average equity | $32,331,670 | 2,099 |
| Average total loans | $313,208,330 | 1,584 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7042% | 3,785 |
| Cost of funding earning assets | 2.8265% | 922 |
| Net interest margin | 2.8777% | 6,805 |
| Noninterest income to average assets | 0.6694% | 3,077 |
| Noninterest expense to average assets | 2.2712% | 6,628 |
| Loan and lease loss provision to assets | 0.4975% | 2,482 |
| Net operating income to assets | 0.2792% | 5,371 |
| Return on assets (ROA) | -1.2483% | 7,406 |
| Pretax return on assets | -1.1114% | 7,204 |
| Return on Equity (ROE) | -16.8087% | 7,667 |
| Retained earnings to average equity (ytd only) | -16.8087% | 7,524 |
| Net charge-offs to loans | 2.0007% | 722 |
| Credit loss provision to net charge-offs | 34.9906% | 4,886 |
| Earnings coverage of net charge-offs (x) | 0.6425% | 4,479 |
| Efficiency ratio | 71.3122% | 4,310 |
| Assets per employee ($millions) | 3.6989% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4060% | 841 |
| Loan loss allowance to noncurrent loans | 22.7042% | 7,032 |
| Noncurrent assets plus other real estate owned to assets | 11.9753% | 143 |
| Noncurrent loans to loans | 10.5969% | 253 |
| Net loans and leases to total assets | 68.3933% | 4,044 |
| Net loans and leases to deposits | 77.2585% | 5,046 |
| Net loans and leases to core deposits | 106.8733% | 3,812 |
| Total domestic deposits to total assets | 88.5253% | 1,472 |
| Equity capital to assets | 7.3352% | 7,465 |
| Core capital (leverage) ratio | 6.4593% | 7,897 |
| Tier 1 risk-based capital ratio | 8.3842% | 7,962 |
| Total risk-based capital ratio | 9.6457% | 7,994 |
| Memoranda: | ||
| Average total assets | $446,996,500 | 1,588 |
| Average earning assets | $390,733,000 | 1,675 |
| Average equity | $33,197,000 | 2,039 |
| Average total loans | $317,696,500 | 1,579 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3008% | 3,962 |
| Cost of funding earning assets | 3.1627% | 1,305 |
| Net interest margin | 3.1381% | 6,551 |
| Noninterest income to average assets | 0.5687% | 4,092 |
| Noninterest expense to average assets | 3.1957% | 3,356 |
| Loan and lease loss provision to assets | 3.5044% | 228 |
| Net operating income to assets | -2.0330% | 7,610 |
| Return on assets (ROA) | -1.7258% | 7,488 |
| Pretax return on assets | -2.8135% | 7,664 |
| Return on Equity (ROE) | -21.6709% | 7,795 |
| Retained earnings to average equity (ytd only) | -21.6709% | 7,723 |
| Net charge-offs to loans | 4.2786% | 144 |
| Credit loss provision to net charge-offs | 110.8501% | 4,866 |
| Earnings coverage of net charge-offs (x) | 0.0667% | 6,208 |
| Efficiency ratio | 93.8077% | 1,289 |
| Assets per employee ($millions) | 3.6895% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6260% | 598 |
| Loan loss allowance to noncurrent loans | 28.6238% | 6,788 |
| Noncurrent assets plus other real estate owned to assets | 9.9049% | 167 |
| Noncurrent loans to loans | 9.1743% | 250 |
| Net loans and leases to total assets | 70.1619% | 3,978 |
| Net loans and leases to deposits | 79.7859% | 5,079 |
| Net loans and leases to core deposits | 111.0547% | 3,678 |
| Total domestic deposits to total assets | 87.9377% | 1,495 |
| Equity capital to assets | 7.5169% | 7,367 |
| Core capital (leverage) ratio | 6.6853% | 7,863 |
| Tier 1 risk-based capital ratio | 8.3249% | 8,026 |
| Total risk-based capital ratio | 9.5629% | 8,073 |
| Memoranda: | ||
| Average total assets | $455,085,000 | 1,507 |
| Average earning assets | $411,551,200 | 1,522 |
| Average equity | $36,242,200 | 1,858 |
| Average total loans | $336,257,800 | 1,444 |