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Family Merchants Bank, 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 | 6.4226% | 3,304 |
| Cost of funding earning assets | 4.0310% | 92 |
| Net interest margin | 2.3916% | 7,858 |
| Noninterest income to average assets | 0.2431% | 6,703 |
| Noninterest expense to average assets | 3.8390% | 1,679 |
| Loan and lease loss provision to assets | 0.5390% | 2,670 |
| Net operating income to assets | -2.1692% | 7,640 |
| Return on assets (ROA) | -2.1692% | 7,600 |
| Pretax return on assets | -2.1692% | 7,494 |
| Return on Equity (ROE) | -15.1164% | 7,592 |
| Retained earnings to average equity (ytd only) | -15.1164% | 7,465 |
| Net charge-offs to loans | 0.8821% | 1,402 |
| Credit loss provision to net charge-offs | 93.1507% | 5,593 |
| Earnings coverage of net charge-offs (x) | -2.8174% | 6,754 |
| Efficiency ratio | 173.8038% | 272 |
| Assets per employee ($millions) | 3.7265% | 4,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5007% | 681 |
| Loan loss allowance to noncurrent loans | 41.2865% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 7.2991% | 343 |
| Noncurrent loans to loans | 6.0569% | 583 |
| Net loans and leases to total assets | 57.7539% | 6,241 |
| Net loans and leases to deposits | 89.3251% | 3,570 |
| Net loans and leases to core deposits | 137.2927% | 1,424 |
| Total domestic deposits to total assets | 64.6558% | 7,746 |
| Equity capital to assets | 15.4971% | 1,046 |
| Core capital (leverage) ratio | 9.3909% | 4,169 |
| Tier 1 risk-based capital ratio | 10.4900% | 6,219 |
| Total risk-based capital ratio | 11.7459% | 6,091 |
| Memoranda: | ||
| Average total assets | $37,848,000 | 7,312 |
| Average earning assets | $31,109,000 | 7,454 |
| Average equity | $5,431,200 | 7,007 |
| Average total loans | $24,827,000 | 7,036 |