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Macomb Community 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 | 5.7381% | 6,651 |
| Cost of funding earning assets | 3.4899% | 534 |
| Net interest margin | 2.2482% | 7,939 |
| Noninterest income to average assets | -0.3507% | 8,251 |
| Noninterest expense to average assets | 3.5508% | 2,266 |
| Loan and lease loss provision to assets | 6.0723% | 59 |
| Net operating income to assets | -5.2242% | 8,100 |
| Return on assets (ROA) | -5.2242% | 8,092 |
| Pretax return on assets | -7.9108% | 8,199 |
| Return on Equity (ROE) | -50.5555% | 8,157 |
| Retained earnings to average equity (ytd only) | -50.5555% | 8,140 |
| Net charge-offs to loans | 3.8738% | 178 |
| Credit loss provision to net charge-offs | 168.2008% | 3,060 |
| Earnings coverage of net charge-offs (x) | -0.5093% | 6,488 |
| Efficiency ratio | 207.3724% | 190 |
| Assets per employee ($millions) | 4.8527% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5362% | 73 |
| Loan loss allowance to noncurrent loans | 30.3908% | 6,694 |
| Noncurrent assets plus other real estate owned to assets | 19.2837% | 28 |
| Noncurrent loans to loans | 18.2165% | 46 |
| Net loans and leases to total assets | 84.4808% | 811 |
| Net loans and leases to deposits | 98.8866% | 1,996 |
| Net loans and leases to core deposits | 119.9129% | 2,696 |
| Total domestic deposits to total assets | 85.4320% | 2,650 |
| Equity capital to assets | 11.2731% | 2,827 |
| Core capital (leverage) ratio | 7.6429% | 7,018 |
| Tier 1 risk-based capital ratio | 8.6782% | 7,950 |
| Total risk-based capital ratio | 9.9811% | 8,014 |
| Memoranda: | ||
| Average total assets | $92,683,600 | 5,271 |
| Average earning assets | $85,045,000 | 5,270 |
| Average equity | $9,577,600 | 5,544 |
| Average total loans | $86,374,200 | 4,322 |