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Lincoln 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 | 5.5187% | 4,815 |
| Cost of funding earning assets | 1.8941% | 4,654 |
| Net interest margin | 3.6245% | 4,217 |
| Noninterest income to average assets | 0.7401% | 2,652 |
| Noninterest expense to average assets | 2.5428% | 5,677 |
| Loan and lease loss provision to assets | 0.6297% | 2,006 |
| Net operating income to assets | 0.4665% | 4,585 |
| Return on assets (ROA) | 0.6073% | 4,180 |
| Pretax return on assets | 0.8374% | 3,941 |
| Return on Equity (ROE) | 5.2662% | 4,348 |
| Retained earnings to average equity (ytd only) | 5.2662% | 2,980 |
| Net charge-offs to loans | 0.3233% | 2,799 |
| Credit loss provision to net charge-offs | 274.2188% | 1,744 |
| Earnings coverage of net charge-offs (x) | 5.5488% | 2,652 |
| Efficiency ratio | 61.1281% | 6,234 |
| Assets per employee ($millions) | 4.4251% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8429% | 1,755 |
| Loan loss allowance to noncurrent loans | 28.5037% | 6,652 |
| Noncurrent assets plus other real estate owned to assets | 4.9080% | 935 |
| Noncurrent loans to loans | 6.4654% | 689 |
| Net loans and leases to total assets | 68.1743% | 4,091 |
| Net loans and leases to deposits | 95.0170% | 2,107 |
| Net loans and leases to core deposits | 112.5896% | 3,156 |
| Total domestic deposits to total assets | 71.7496% | 7,246 |
| Equity capital to assets | 13.8281% | 1,414 |
| Core capital (leverage) ratio | 11.3812% | 2,223 |
| Tier 1 risk-based capital ratio | 12.4675% | 4,568 |
| Total risk-based capital ratio | 13.6617% | 4,530 |
| Memoranda: | ||
| Average total assets | $891,789,500 | 790 |
| Average earning assets | $757,068,000 | 845 |
| Average equity | $102,845,000 | 653 |
| Average total loans | $633,503,000 | 784 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8759% | 6,156 |
| Cost of funding earning assets | 2.9248% | 2,163 |
| Net interest margin | 2.9511% | 7,025 |
| Noninterest income to average assets | 0.7632% | 2,704 |
| Noninterest expense to average assets | 6.9230% | 288 |
| Loan and lease loss provision to assets | 0.8621% | 1,733 |
| Net operating income to assets | -3.7377% | 7,946 |
| Return on assets (ROA) | -3.7307% | 7,924 |
| Pretax return on assets | -4.3578% | 7,949 |
| Return on Equity (ROE) | -36.0333% | 8,036 |
| Retained earnings to average equity (ytd only) | -37.2432% | 8,013 |
| Net charge-offs to loans | 0.5244% | 2,270 |
| Credit loss provision to net charge-offs | 222.2786% | 2,148 |
| Earnings coverage of net charge-offs (x) | -9.0343% | 6,889 |
| Efficiency ratio | 119.9655% | 573 |
| Assets per employee ($millions) | 3.8440% | 3,870 |
| Cash dividends to net income (ytd only)* | -3.3577% | 7,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 3,408 |
| Loan loss allowance to noncurrent loans | 24.2173% | 7,048 |
| Noncurrent assets plus other real estate owned to assets | 4.4333% | 861 |
| Noncurrent loans to loans | 5.6264% | 694 |
| Net loans and leases to total assets | 71.6855% | 3,654 |
| Net loans and leases to deposits | 96.2400% | 2,411 |
| Net loans and leases to core deposits | 114.7666% | 3,260 |
| Total domestic deposits to total assets | 74.4862% | 6,562 |
| Equity capital to assets | 9.1563% | 5,143 |
| Core capital (leverage) ratio | 5.9033% | 8,107 |
| Tier 1 risk-based capital ratio | 6.6416% | 8,199 |
| Total risk-based capital ratio | 7.8594% | 8,207 |
| Memoranda: | ||
| Average total assets | $864,547,800 | 784 |
| Average earning assets | $778,111,000 | 793 |
| Average equity | $89,511,600 | 746 |
| Average total loans | $639,343,600 | 749 |