Home > Madison County Bank > Performance and Condition Ratios
Madison County Bank, Performance and Condition Ratios
| 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 | 5.8419% | 2,478 |
| Cost of funding earning assets | 2.7479% | 519 |
| Net interest margin | 3.0940% | 6,390 |
| Noninterest income to average assets | 0.3029% | 5,932 |
| Noninterest expense to average assets | 3.7860% | 1,728 |
| Loan and lease loss provision to assets | 0.1404% | 6,236 |
| Net operating income to assets | -0.7965% | 6,433 |
| Return on assets (ROA) | -0.7950% | 6,430 |
| Pretax return on assets | -0.7950% | 6,261 |
| Return on Equity (ROE) | -11.6764% | 6,747 |
| Retained earnings to average equity (ytd only) | -11.6764% | 6,658 |
| Net charge-offs to loans | 0.3684% | 4,378 |
| Credit loss provision to net charge-offs | 47.2637% | 6,777 |
| Earnings coverage of net charge-offs (x) | -2.2090% | 7,014 |
| Efficiency ratio | 120.9632% | 592 |
| Assets per employee ($millions) | 3.9473% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 6,377 |
| Loan loss allowance to noncurrent loans | 46.3612% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 2.1951% | 3,136 |
| Noncurrent loans to loans | 2.1592% | 3,445 |
| Net loans and leases to total assets | 76.0461% | 1,787 |
| Net loans and leases to deposits | 83.2260% | 3,417 |
| Net loans and leases to core deposits | 144.8728% | 647 |
| Total domestic deposits to total assets | 91.3731% | 409 |
| Equity capital to assets | 6.3960% | 7,586 |
| Core capital (leverage) ratio | 6.3117% | 7,549 |
| Tier 1 risk-based capital ratio | 8.5778% | 7,573 |
| Total risk-based capital ratio | 9.6281% | 7,623 |
| Memoranda: | ||
| Average total assets | $67,670,000 | 6,092 |
| Average earning assets | $61,829,000 | 6,065 |
| Average equity | $4,607,600 | 7,078 |
| Average total loans | $54,560,200 | 5,482 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8198% | 2,800 |
| Cost of funding earning assets | 2.8380% | 540 |
| Net interest margin | 2.9818% | 6,652 |
| Noninterest income to average assets | 0.2890% | 6,168 |
| Noninterest expense to average assets | 3.2737% | 3,014 |
| Loan and lease loss provision to assets | 0.0806% | 6,562 |
| Net operating income to assets | -0.3343% | 6,246 |
| Return on assets (ROA) | -0.3343% | 6,258 |
| Pretax return on assets | -0.3343% | 6,133 |
| Return on Equity (ROE) | -4.8364% | 6,431 |
| Retained earnings to average equity (ytd only) | -4.8364% | 6,234 |
| Net charge-offs to loans | 0.4821% | 3,301 |
| Credit loss provision to net charge-offs | 20.5000% | 6,570 |
| Earnings coverage of net charge-offs (x) | -0.6450% | 6,537 |
| Efficiency ratio | 108.3984% | 797 |
| Assets per employee ($millions) | 3.8824% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8573% | 6,931 |
| Loan loss allowance to noncurrent loans | 105.4795% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 1.1758% | 4,721 |
| Noncurrent loans to loans | 0.8128% | 5,673 |
| Net loans and leases to total assets | 80.9530% | 992 |
| Net loans and leases to deposits | 88.9298% | 2,794 |
| Net loans and leases to core deposits | 150.6103% | 569 |
| Total domestic deposits to total assets | 91.0303% | 409 |
| Equity capital to assets | 7.0515% | 7,569 |
| Core capital (leverage) ratio | 6.7601% | 7,558 |
| Tier 1 risk-based capital ratio | 9.1030% | 7,581 |
| Total risk-based capital ratio | 10.0209% | 7,727 |
| Memoranda: | ||
| Average total assets | $67,811,500 | 6,115 |
| Average earning assets | $62,108,750 | 6,102 |
| Average equity | $4,686,500 | 7,115 |
| Average total loans | $55,313,750 | 5,495 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7037% | 3,519 |
| Cost of funding earning assets | 2.8948% | 618 |
| Net interest margin | 2.8088% | 6,997 |
| Noninterest income to average assets | 0.3508% | 5,696 |
| Noninterest expense to average assets | 3.2420% | 3,184 |
| Loan and lease loss provision to assets | 0.1199% | 5,926 |
| Net operating income to assets | -0.4327% | 6,478 |
| Return on assets (ROA) | -0.4327% | 6,486 |
| Pretax return on assets | -0.4327% | 6,356 |
| Return on Equity (ROE) | -6.3015% | 6,745 |
| Retained earnings to average equity (ytd only) | -6.3015% | 6,492 |
| Net charge-offs to loans | 0.4266% | 3,093 |
| Credit loss provision to net charge-offs | 34.4538% | 5,973 |
| Earnings coverage of net charge-offs (x) | -0.8992% | 6,205 |
| Efficiency ratio | 110.6786% | 831 |
| Assets per employee ($millions) | 4.0026% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 6,263 |
| Loan loss allowance to noncurrent loans | 41.5138% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 2.4984% | 2,577 |
| Noncurrent loans to loans | 2.4050% | 3,006 |
| Net loans and leases to total assets | 79.1312% | 1,494 |
| Net loans and leases to deposits | 86.6760% | 3,426 |
| Net loans and leases to core deposits | 135.8188% | 1,221 |
| Total domestic deposits to total assets | 91.2953% | 376 |
| Equity capital to assets | 6.7956% | 7,715 |
| Core capital (leverage) ratio | 6.8880% | 7,608 |
| Tier 1 risk-based capital ratio | 9.0897% | 7,643 |
| Total risk-based capital ratio | 10.1619% | 7,773 |
| Memoranda: | ||
| Average total assets | $68,415,330 | 6,133 |
| Average earning assets | $62,801,670 | 6,119 |
| Average equity | $4,697,330 | 7,174 |
| Average total loans | $55,788,000 | 5,516 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7986% | 3,313 |
| Cost of funding earning assets | 3.0519% | 529 |
| Net interest margin | 2.7467% | 7,099 |
| Noninterest income to average assets | 0.5248% | 4,098 |
| Noninterest expense to average assets | 2.8513% | 4,330 |
| Loan and lease loss provision to assets | 0.1808% | 4,638 |
| Net operating income to assets | 0.0117% | 6,226 |
| Return on assets (ROA) | 0.0117% | 6,384 |
| Pretax return on assets | 0.0117% | 6,355 |
| Return on Equity (ROE) | 0.1690% | 6,369 |
| Retained earnings to average equity (ytd only) | 0.1690% | 5,589 |
| Net charge-offs to loans | 0.6939% | 1,796 |
| Credit loss provision to net charge-offs | 31.6327% | 4,931 |
| Earnings coverage of net charge-offs (x) | 0.3367% | 4,703 |
| Efficiency ratio | 93.6782% | 1,454 |
| Assets per employee ($millions) | 4.5129% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 6,171 |
| Loan loss allowance to noncurrent loans | 136.4532% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 1.1020% | 4,482 |
| Noncurrent loans to loans | 0.7335% | 5,595 |
| Net loans and leases to total assets | 80.9525% | 1,209 |
| Net loans and leases to deposits | 89.6480% | 2,985 |
| Net loans and leases to core deposits | 136.3727% | 1,278 |
| Total domestic deposits to total assets | 90.3005% | 679 |
| Equity capital to assets | 7.0538% | 7,655 |
| Core capital (leverage) ratio | 6.8698% | 7,715 |
| Tier 1 risk-based capital ratio | 9.2970% | 7,592 |
| Total risk-based capital ratio | 10.3804% | 7,723 |
| Memoranda: | ||
| Average total assets | $68,601,000 | 6,150 |
| Average earning assets | $62,912,000 | 6,141 |
| Average equity | $4,734,000 | 7,211 |
| Average total loans | $56,488,500 | 5,525 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2698% | 4,127 |
| Cost of funding earning assets | 3.6872% | 280 |
| Net interest margin | 2.5826% | 7,660 |
| Noninterest income to average assets | 0.3756% | 5,688 |
| Noninterest expense to average assets | 3.0187% | 4,017 |
| Loan and lease loss provision to assets | 0.5811% | 2,500 |
| Net operating income to assets | -0.8418% | 7,160 |
| Return on assets (ROA) | -0.7936% | 7,033 |
| Pretax return on assets | -0.7936% | 6,875 |
| Return on Equity (ROE) | -10.8645% | 7,336 |
| Retained earnings to average equity (ytd only) | -12.4748% | 7,285 |
| Net charge-offs to loans | 0.4564% | 2,549 |
| Credit loss provision to net charge-offs | 155.8935% | 3,342 |
| Earnings coverage of net charge-offs (x) | -0.6996% | 6,542 |
| Efficiency ratio | 109.4553% | 719 |
| Assets per employee ($millions) | 4.6339% | 2,430 |
| Cash dividends to net income (ytd only)* | -14.8214% | 7,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 5,434 |
| Loan loss allowance to noncurrent loans | 121.5264% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 1.2243% | 3,776 |
| Noncurrent loans to loans | 0.8868% | 4,847 |
| Net loans and leases to total assets | 82.0078% | 1,230 |
| Net loans and leases to deposits | 93.5763% | 2,841 |
| Net loans and leases to core deposits | 144.4368% | 1,074 |
| Total domestic deposits to total assets | 87.6374% | 1,648 |
| Equity capital to assets | 6.7517% | 7,855 |
| Core capital (leverage) ratio | 6.6794% | 7,867 |
| Tier 1 risk-based capital ratio | 8.8856% | 7,859 |
| Total risk-based capital ratio | 10.0467% | 7,969 |
| Memoranda: | ||
| Average total assets | $70,560,200 | 6,019 |
| Average earning assets | $65,089,800 | 5,989 |
| Average equity | $5,154,400 | 7,099 |
| Average total loans | $57,620,000 | 5,378 |