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Busey Bank, Performance and Condition Ratios
| 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 | 5.2250% | 5,981 |
| Cost of funding earning assets | 3.0800% | 375 |
| Net interest margin | 2.1450% | 7,782 |
| Noninterest income to average assets | 3.3173% | 191 |
| Noninterest expense to average assets | 4.3154% | 929 |
| Loan and lease loss provision to assets | 4.4083% | 262 |
| Net operating income to assets | -2.4074% | 7,539 |
| Return on assets (ROA) | -2.4074% | 7,533 |
| Pretax return on assets | -3.6238% | 7,696 |
| Return on Equity (ROE) | -20.0313% | 7,503 |
| Retained earnings to average equity (ytd only) | -20.0313% | 7,455 |
| Net charge-offs to loans | 6.0318% | 184 |
| Credit loss provision to net charge-offs | 88.8614% | 4,956 |
| Earnings coverage of net charge-offs (x) | 0.1581% | 5,512 |
| Efficiency ratio | 80.6601% | 2,942 |
| Assets per employee ($millions) | 3.1349% | 5,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0863% | 120 |
| Loan loss allowance to noncurrent loans | 51.4465% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 9.3686% | 346 |
| Noncurrent loans to loans | 9.8865% | 359 |
| Net loans and leases to total assets | 77.2595% | 1,900 |
| Net loans and leases to deposits | 90.5941% | 2,737 |
| Net loans and leases to core deposits | 110.9801% | 3,256 |
| Total domestic deposits to total assets | 85.2810% | 3,119 |
| Equity capital to assets | 12.5868% | 1,888 |
| Core capital (leverage) ratio | 9.8907% | 3,405 |
| Tier 1 risk-based capital ratio | 13.0031% | 4,147 |
| Total risk-based capital ratio | 14.3048% | 4,027 |
| Memoranda: | ||
| Average total assets | $424,200,330 | 1,671 |
| Average earning assets | $352,536,330 | 1,805 |
| Average equity | $50,980,330 | 1,342 |
| Average total loans | $348,883,330 | 1,428 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5836% | 4,452 |
| Cost of funding earning assets | 3.1937% | 353 |
| Net interest margin | 2.3899% | 7,629 |
| Noninterest income to average assets | 3.2928% | 197 |
| Noninterest expense to average assets | 4.1983% | 942 |
| Loan and lease loss provision to assets | 0.7976% | 1,616 |
| Net operating income to assets | 0.1013% | 5,978 |
| Return on assets (ROA) | 0.1013% | 6,140 |
| Pretax return on assets | 0.2581% | 5,789 |
| Return on Equity (ROE) | 0.8634% | 6,169 |
| Retained earnings to average equity (ytd only) | 0.8634% | 5,313 |
| Net charge-offs to loans | 2.2727% | 636 |
| Credit loss provision to net charge-offs | 42.4575% | 4,781 |
| Earnings coverage of net charge-offs (x) | 0.5619% | 4,545 |
| Efficiency ratio | 76.0850% | 3,479 |
| Assets per employee ($millions) | 3.0855% | 5,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9654% | 112 |
| Loan loss allowance to noncurrent loans | 64.1988% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 7.6147% | 413 |
| Noncurrent loans to loans | 7.7344% | 477 |
| Net loans and leases to total assets | 78.8371% | 1,615 |
| Net loans and leases to deposits | 92.4793% | 2,517 |
| Net loans and leases to core deposits | 114.6890% | 2,937 |
| Total domestic deposits to total assets | 85.2483% | 3,087 |
| Equity capital to assets | 12.7946% | 1,836 |
| Core capital (leverage) ratio | 10.4044% | 3,023 |
| Tier 1 risk-based capital ratio | 13.1798% | 4,064 |
| Total risk-based capital ratio | 14.4807% | 3,956 |
| Memoranda: | ||
| Average total assets | $426,263,000 | 1,672 |
| Average earning assets | $349,811,000 | 1,831 |
| Average equity | $50,033,500 | 1,373 |
| Average total loans | $352,355,000 | 1,432 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2348% | 4,330 |
| Cost of funding earning assets | 3.3768% | 742 |
| Net interest margin | 2.8580% | 7,238 |
| Noninterest income to average assets | 2.9077% | 208 |
| Noninterest expense to average assets | 9.1546% | 166 |
| Loan and lease loss provision to assets | 6.1056% | 58 |
| Net operating income to assets | -8.2601% | 8,228 |
| Return on assets (ROA) | -8.2588% | 8,226 |
| Pretax return on assets | -9.9666% | 8,244 |
| Return on Equity (ROE) | -52.3509% | 8,168 |
| Retained earnings to average equity (ytd only) | -52.3509% | 8,152 |
| Net charge-offs to loans | 4.2816% | 143 |
| Credit loss provision to net charge-offs | 173.0650% | 2,946 |
| Earnings coverage of net charge-offs (x) | -1.0949% | 6,608 |
| Efficiency ratio | 75.9349% | 3,243 |
| Assets per employee ($millions) | 2.9848% | 6,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2434% | 87 |
| Loan loss allowance to noncurrent loans | 98.6660% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 5.5691% | 574 |
| Noncurrent loans to loans | 5.3143% | 794 |
| Net loans and leases to total assets | 78.0524% | 2,123 |
| Net loans and leases to deposits | 89.3937% | 3,553 |
| Net loans and leases to core deposits | 113.1280% | 3,432 |
| Total domestic deposits to total assets | 87.3131% | 1,794 |
| Equity capital to assets | 10.6983% | 3,298 |
| Core capital (leverage) ratio | 8.1409% | 6,265 |
| Tier 1 risk-based capital ratio | 10.5323% | 6,177 |
| Total risk-based capital ratio | 11.8371% | 6,019 |
| Memoranda: | ||
| Average total assets | $457,779,200 | 1,497 |
| Average earning assets | $381,904,400 | 1,629 |
| Average equity | $72,218,400 | 920 |
| Average total loans | $377,199,000 | 1,288 |