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Landmark Bank, Performance and Condition Ratios
| 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 | 6.4460% | 964 |
| Cost of funding earning assets | 1.4616% | 6,534 |
| Net interest margin | 4.9844% | 416 |
| Noninterest income to average assets | 2.0872% | 340 |
| Noninterest expense to average assets | 5.1158% | 446 |
| Loan and lease loss provision to assets | 0.6054% | 2,082 |
| Net operating income to assets | 0.3871% | 4,905 |
| Return on assets (ROA) | 0.3871% | 5,086 |
| Pretax return on assets | 0.6194% | 4,697 |
| Return on Equity (ROE) | 5.2880% | 4,338 |
| Retained earnings to average equity (ytd only) | 1.8360% | 4,832 |
| Net charge-offs to loans | 0.3742% | 2,592 |
| Credit loss provision to net charge-offs | 202.1028% | 2,197 |
| Earnings coverage of net charge-offs (x) | 4.0888% | 2,981 |
| Efficiency ratio | 80.6822% | 2,712 |
| Assets per employee ($millions) | 2.2084% | 7,704 |
| Cash dividends to net income (ytd only)* | 65.2803% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 3,229 |
| Loan loss allowance to noncurrent loans | 219.7494% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.7403% | 5,313 |
| Noncurrent loans to loans | 0.6601% | 5,752 |
| Net loans and leases to total assets | 77.9609% | 1,834 |
| Net loans and leases to deposits | 87.1640% | 3,440 |
| Net loans and leases to core deposits | 106.7422% | 3,826 |
| Total domestic deposits to total assets | 89.4416% | 1,037 |
| Equity capital to assets | 7.2477% | 7,527 |
| Core capital (leverage) ratio | 7.2925% | 7,388 |
| Tier 1 risk-based capital ratio | 9.0520% | 7,759 |
| Total risk-based capital ratio | 10.3007% | 7,784 |
| Memoranda: | ||
| Average total assets | $571,482,000 | 1,245 |
| Average earning assets | $487,681,500 | 1,333 |
| Average equity | $41,830,500 | 1,631 |
| Average total loans | $457,561,500 | 1,098 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2440% | 667 |
| Cost of funding earning assets | 2.0596% | 6,198 |
| Net interest margin | 5.1844% | 351 |
| Noninterest income to average assets | 2.2707% | 288 |
| Noninterest expense to average assets | 5.3015% | 549 |
| Loan and lease loss provision to assets | 0.6022% | 2,418 |
| Net operating income to assets | 0.5826% | 4,384 |
| Return on assets (ROA) | 0.6024% | 4,157 |
| Pretax return on assets | 0.8548% | 3,870 |
| Return on Equity (ROE) | 8.1461% | 3,009 |
| Retained earnings to average equity (ytd only) | 4.6144% | 2,254 |
| Net charge-offs to loans | 0.4838% | 2,423 |
| Credit loss provision to net charge-offs | 155.3380% | 3,364 |
| Earnings coverage of net charge-offs (x) | 3.6858% | 4,253 |
| Efficiency ratio | 78.7701% | 2,796 |
| Assets per employee ($millions) | 1.9451% | 7,956 |
| Cash dividends to net income (ytd only)* | 43.3543% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 3,377 |
| Loan loss allowance to noncurrent loans | 347.4066% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 5,551 |
| Noncurrent loans to loans | 0.3935% | 6,164 |
| Net loans and leases to total assets | 79.9468% | 1,675 |
| Net loans and leases to deposits | 88.6996% | 3,684 |
| Net loans and leases to core deposits | 107.5543% | 4,017 |
| Total domestic deposits to total assets | 90.1321% | 598 |
| Equity capital to assets | 7.3940% | 7,471 |
| Core capital (leverage) ratio | 7.4477% | 7,264 |
| Tier 1 risk-based capital ratio | 9.0759% | 7,737 |
| Total risk-based capital ratio | 10.3234% | 7,704 |
| Memoranda: | ||
| Average total assets | $553,318,400 | 1,228 |
| Average earning assets | $475,967,400 | 1,298 |
| Average equity | $40,915,200 | 1,637 |
| Average total loans | $443,349,400 | 1,084 |