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Corn Belt Bank and Trust Company, Performance and Condition Ratios
| 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 | 7.1591% | 805 |
| Cost of funding earning assets | 4.6490% | 8 |
| Net interest margin | 2.5101% | 7,744 |
| Noninterest income to average assets | 0.0756% | 7,762 |
| Noninterest expense to average assets | 1.5409% | 8,016 |
| Loan and lease loss provision to assets | 6.7643% | 44 |
| Net operating income to assets | -5.9039% | 8,146 |
| Return on assets (ROA) | -5.9039% | 8,139 |
| Pretax return on assets | -5.9201% | 8,097 |
| Return on Equity (ROE) | -91.3437% | 8,261 |
| Retained earnings to average equity (ytd only) | -96.2188% | 8,268 |
| Net charge-offs to loans | 5.9385% | 59 |
| Credit loss provision to net charge-offs | 147.2803% | 3,585 |
| Earnings coverage of net charge-offs (x) | 0.1838% | 6,134 |
| Efficiency ratio | 64.6070% | 5,419 |
| Assets per employee ($millions) | 7.0325% | 700 |
| Cash dividends to net income (ytd only)* | -5.3372% | 7,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8199% | 65 |
| Loan loss allowance to noncurrent loans | 116.6717% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 3.9758% | 1,039 |
| Noncurrent loans to loans | 4.9883% | 885 |
| Net loans and leases to total assets | 72.1608% | 3,545 |
| Net loans and leases to deposits | 80.3134% | 4,992 |
| Net loans and leases to core deposits | 167.3363% | 454 |
| Total domestic deposits to total assets | 89.8490% | 713 |
| Equity capital to assets | 3.3928% | 8,269 |
| Core capital (leverage) ratio | 2.9385% | 8,278 |
| Tier 1 risk-based capital ratio | 3.9950% | 8,275 |
| Total risk-based capital ratio | 5.2980% | 8,275 |
| Memoranda: | ||
| Average total assets | $309,420,000 | 2,156 |
| Average earning assets | $284,685,200 | 2,143 |
| Average equity | $19,999,200 | 3,227 |
| Average total loans | $239,303,600 | 1,975 |