Home > Farmers & Merchants State Bank of Wayne > Performance and Condition Ratios
Farmers & Merchants State Bank of Wayne, Performance and Condition Ratios
| 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 | 5.2115% | 3,891 |
| Cost of funding earning assets | 1.3676% | 4,076 |
| Net interest margin | 3.8440% | 3,694 |
| Noninterest income to average assets | 0.2521% | 6,107 |
| Noninterest expense to average assets | 2.4716% | 5,826 |
| Loan and lease loss provision to assets | 0.2966% | 4,018 |
| Net operating income to assets | 1.0233% | 2,106 |
| Return on assets (ROA) | 1.0233% | 2,182 |
| Pretax return on assets | 1.0826% | 2,835 |
| Return on Equity (ROE) | 11.0587% | 1,735 |
| Retained earnings to average equity (ytd only) | 11.0587% | 645 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1849% | 5,301 |
| Assets per employee ($millions) | 5.1738% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7497% | 2,905 |
| Loan loss allowance to noncurrent loans | 200.7463% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.6475% | 5,874 |
| Noncurrent loans to loans | 0.8716% | 5,524 |
| Net loans and leases to total assets | 72.9886% | 2,172 |
| Net loans and leases to deposits | 94.7260% | 1,186 |
| Net loans and leases to core deposits | 103.3421% | 1,698 |
| Total domestic deposits to total assets | 77.0524% | 6,494 |
| Equity capital to assets | 9.2462% | 5,085 |
| Core capital (leverage) ratio | 9.2113% | 4,283 |
| Tier 1 risk-based capital ratio | 11.8004% | 5,491 |
| Total risk-based capital ratio | 13.0526% | 5,457 |
| Memoranda: | ||
| Average total assets | $40,459,000 | 6,983 |
| Average earning assets | $37,877,670 | 6,931 |
| Average equity | $3,743,670 | 7,198 |
| Average total loans | $28,806,330 | 6,590 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3775% | 3,153 |
| Cost of funding earning assets | 1.4146% | 4,090 |
| Net interest margin | 3.9630% | 3,036 |
| Noninterest income to average assets | 0.2500% | 6,150 |
| Noninterest expense to average assets | 2.1103% | 6,911 |
| Loan and lease loss provision to assets | 0.3000% | 3,635 |
| Net operating income to assets | 1.4502% | 983 |
| Return on assets (ROA) | 1.4502% | 1,056 |
| Pretax return on assets | 1.5102% | 1,488 |
| Return on Equity (ROE) | 15.6672% | 771 |
| Retained earnings to average equity (ytd only) | 15.6672% | 363 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8265% | 6,992 |
| Assets per employee ($millions) | 5.0874% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7712% | 2,824 |
| Loan loss allowance to noncurrent loans | 189.5522% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 5,870 |
| Noncurrent loans to loans | 0.9344% | 5,450 |
| Net loans and leases to total assets | 69.2228% | 3,104 |
| Net loans and leases to deposits | 85.4686% | 2,688 |
| Net loans and leases to core deposits | 96.4829% | 2,531 |
| Total domestic deposits to total assets | 80.9922% | 5,468 |
| Equity capital to assets | 9.2361% | 4,939 |
| Core capital (leverage) ratio | 8.9289% | 4,680 |
| Tier 1 risk-based capital ratio | 12.3056% | 4,898 |
| Total risk-based capital ratio | 13.5592% | 4,855 |
| Memoranda: | ||
| Average total assets | $39,993,500 | 7,087 |
| Average earning assets | $37,043,000 | 7,053 |
| Average equity | $3,702,000 | 7,286 |
| Average total loans | $27,835,500 | 6,728 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7448% | 2,888 |
| Cost of funding earning assets | 1.7949% | 4,018 |
| Net interest margin | 3.9499% | 3,079 |
| Noninterest income to average assets | 0.2642% | 6,226 |
| Noninterest expense to average assets | 2.3827% | 6,516 |
| Loan and lease loss provision to assets | 0.3668% | 4,597 |
| Net operating income to assets | 1.1593% | 1,359 |
| Return on assets (ROA) | 1.1593% | 1,386 |
| Pretax return on assets | 1.2003% | 1,952 |
| Return on Equity (ROE) | 12.8628% | 992 |
| Retained earnings to average equity (ytd only) | 7.1713% | 909 |
| Net charge-offs to loans | 0.2880% | 4,833 |
| Credit loss provision to net charge-offs | 172.2892% | 2,467 |
| Earnings coverage of net charge-offs (x) | 7.3614% | 2,167 |
| Efficiency ratio | 60.3247% | 6,432 |
| Assets per employee ($millions) | 5.6126% | 1,544 |
| Cash dividends to net income (ytd only)* | 44.2478% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7710% | 2,636 |
| Loan loss allowance to noncurrent loans | 178.3582% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.6821% | 5,746 |
| Noncurrent loans to loans | 0.9930% | 5,330 |
| Net loans and leases to total assets | 67.4812% | 3,818 |
| Net loans and leases to deposits | 79.0836% | 4,159 |
| Net loans and leases to core deposits | 105.7814% | 3,365 |
| Total domestic deposits to total assets | 85.3289% | 3,397 |
| Equity capital to assets | 9.2776% | 4,725 |
| Core capital (leverage) ratio | 9.1484% | 4,200 |
| Tier 1 risk-based capital ratio | 12.4252% | 4,573 |
| Total risk-based capital ratio | 13.6866% | 4,525 |
| Memoranda: | ||
| Average total assets | $38,989,200 | 7,134 |
| Average earning assets | $36,381,000 | 7,081 |
| Average equity | $3,514,000 | 7,441 |
| Average total loans | $28,819,200 | 6,699 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7837% | 2,962 |
| Cost of funding earning assets | 1.8517% | 4,142 |
| Net interest margin | 3.9321% | 3,112 |
| Noninterest income to average assets | 0.2535% | 6,417 |
| Noninterest expense to average assets | 2.3504% | 6,551 |
| Loan and lease loss provision to assets | 0.3358% | 4,322 |
| Net operating income to assets | 1.2232% | 1,408 |
| Return on assets (ROA) | 1.2232% | 1,471 |
| Pretax return on assets | 1.2780% | 2,013 |
| Return on Equity (ROE) | 13.6730% | 984 |
| Retained earnings to average equity (ytd only) | 6.0131% | 1,942 |
| Net charge-offs to loans | 0.3780% | 3,762 |
| Credit loss provision to net charge-offs | 118.0723% | 4,304 |
| Earnings coverage of net charge-offs (x) | 5.6749% | 2,755 |
| Efficiency ratio | 59.2913% | 6,515 |
| Assets per employee ($millions) | 4.8219% | 2,369 |
| Cash dividends to net income (ytd only)* | 56.0222% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5667% | 3,136 |
| Loan loss allowance to noncurrent loans | 161.5672% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.6948% | 5,745 |
| Noncurrent loans to loans | 0.9697% | 5,359 |
| Net loans and leases to total assets | 70.5250% | 3,381 |
| Net loans and leases to deposits | 82.9143% | 3,846 |
| Net loans and leases to core deposits | 113.9333% | 2,834 |
| Total domestic deposits to total assets | 85.0577% | 3,209 |
| Equity capital to assets | 9.2132% | 5,145 |
| Core capital (leverage) ratio | 8.6692% | 5,185 |
| Tier 1 risk-based capital ratio | 11.9063% | 5,056 |
| Total risk-based capital ratio | 13.1735% | 4,980 |
| Memoranda: | ||
| Average total assets | $38,914,500 | 7,202 |
| Average earning assets | $36,722,750 | 7,126 |
| Average equity | $3,481,250 | 7,514 |
| Average total loans | $29,276,500 | 6,719 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8931% | 2,614 |
| Cost of funding earning assets | 1.9245% | 4,140 |
| Net interest margin | 3.9686% | 2,835 |
| Noninterest income to average assets | 0.2204% | 6,720 |
| Noninterest expense to average assets | 2.4085% | 6,432 |
| Loan and lease loss provision to assets | 0.2204% | 4,831 |
| Net operating income to assets | 1.2811% | 1,272 |
| Return on assets (ROA) | 1.2811% | 1,363 |
| Pretax return on assets | 1.3324% | 1,927 |
| Return on Equity (ROE) | 14.4634% | 912 |
| Retained earnings to average equity (ytd only) | 2.8927% | 3,717 |
| Net charge-offs to loans | 0.5566% | 2,661 |
| Credit loss provision to net charge-offs | 51.8072% | 5,743 |
| Earnings coverage of net charge-offs (x) | 3.6506% | 3,356 |
| Efficiency ratio | 60.8021% | 6,428 |
| Assets per employee ($millions) | 5.0325% | 2,041 |
| Cash dividends to net income (ytd only)* | 80.0000% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 4,468 |
| Loan loss allowance to noncurrent loans | 23.0207% | 6,962 |
| Noncurrent assets plus other real estate owned to assets | 4.0785% | 1,435 |
| Noncurrent loans to loans | 5.5171% | 1,052 |
| Net loans and leases to total assets | 72.9856% | 2,955 |
| Net loans and leases to deposits | 84.8390% | 3,747 |
| Net loans and leases to core deposits | 109.3887% | 3,445 |
| Total domestic deposits to total assets | 86.0283% | 2,777 |
| Equity capital to assets | 8.5320% | 6,000 |
| Core capital (leverage) ratio | 8.3152% | 5,768 |
| Tier 1 risk-based capital ratio | 10.6877% | 6,197 |
| Total risk-based capital ratio | 11.9330% | 6,137 |
| Memoranda: | ||
| Average total assets | $39,027,670 | 7,256 |
| Average earning assets | $36,788,670 | 7,185 |
| Average equity | $3,457,000 | 7,588 |
| Average total loans | $29,822,670 | 6,744 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9064% | 2,766 |
| Cost of funding earning assets | 2.0160% | 4,054 |
| Net interest margin | 3.8904% | 3,072 |
| Noninterest income to average assets | 0.2083% | 6,805 |
| Noninterest expense to average assets | 2.2806% | 6,601 |
| Loan and lease loss provision to assets | 0.0833% | 5,891 |
| Net operating income to assets | 1.5204% | 903 |
| Return on assets (ROA) | 1.5204% | 974 |
| Pretax return on assets | 1.5620% | 1,506 |
| Return on Equity (ROE) | 16.8397% | 705 |
| Retained earnings to average equity (ytd only) | 16.8397% | 285 |
| Net charge-offs to loans | 1.1121% | 1,226 |
| Credit loss provision to net charge-offs | 9.6386% | 5,203 |
| Earnings coverage of net charge-offs (x) | 1.9036% | 3,767 |
| Efficiency ratio | 58.0902% | 6,691 |
| Assets per employee ($millions) | 4.9124% | 2,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1288% | 5,266 |
| Loan loss allowance to noncurrent loans | 127.9851% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.6820% | 5,455 |
| Noncurrent loans to loans | 0.8820% | 5,244 |
| Net loans and leases to total assets | 76.4472% | 2,174 |
| Net loans and leases to deposits | 89.6004% | 2,994 |
| Net loans and leases to core deposits | 116.4548% | 2,749 |
| Total domestic deposits to total assets | 85.3202% | 3,049 |
| Equity capital to assets | 8.9875% | 5,366 |
| Core capital (leverage) ratio | 8.7597% | 5,047 |
| Tier 1 risk-based capital ratio | 10.6882% | 6,200 |
| Total risk-based capital ratio | 11.7883% | 6,268 |
| Memoranda: | ||
| Average total assets | $38,411,500 | 7,321 |
| Average earning assets | $36,706,000 | 7,231 |
| Average equity | $3,468,000 | 7,635 |
| Average total loans | $29,853,000 | 6,775 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4634% | 3,147 |
| Cost of funding earning assets | 2.6254% | 3,556 |
| Net interest margin | 3.8381% | 3,847 |
| Noninterest income to average assets | 0.2480% | 6,672 |
| Noninterest expense to average assets | 2.1838% | 7,007 |
| Loan and lease loss provision to assets | 0.1688% | 5,219 |
| Net operating income to assets | 1.4857% | 1,056 |
| Return on assets (ROA) | 1.4857% | 1,011 |
| Pretax return on assets | 1.5292% | 1,600 |
| Return on Equity (ROE) | 17.3609% | 589 |
| Retained earnings to average equity (ytd only) | 3.9144% | 2,691 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2582% | 6,971 |
| Assets per employee ($millions) | 4.6905% | 2,343 |
| Cash dividends to net income (ytd only)* | 77.4527% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 3,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 77.0227% | 2,369 |
| Net loans and leases to deposits | 90.6189% | 3,345 |
| Net loans and leases to core deposits | 119.6572% | 2,724 |
| Total domestic deposits to total assets | 84.9963% | 2,848 |
| Equity capital to assets | 9.0715% | 5,265 |
| Core capital (leverage) ratio | 8.6472% | 5,290 |
| Tier 1 risk-based capital ratio | 10.4679% | 6,239 |
| Total risk-based capital ratio | 11.7169% | 6,122 |
| Memoranda: | ||
| Average total assets | $39,105,800 | 7,253 |
| Average earning assets | $37,023,600 | 7,188 |
| Average equity | $3,346,600 | 7,733 |
| Average total loans | $29,501,000 | 6,740 |