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Madisonville State Bank, Performance and Condition Ratios
| 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 | 6.1743% | 1,435 |
| Cost of funding earning assets | 2.1638% | 2,583 |
| Net interest margin | 4.0106% | 2,764 |
| Noninterest income to average assets | 0.2968% | 6,099 |
| Noninterest expense to average assets | 1.9666% | 7,445 |
| Loan and lease loss provision to assets | 0.6298% | 2,870 |
| Net operating income to assets | -2.5218% | 7,472 |
| Return on assets (ROA) | -2.8262% | 7,551 |
| Pretax return on assets | 0.9106% | 3,192 |
| Return on Equity (ROE) | -31.0404% | 7,633 |
| Retained earnings to average equity (ytd only) | -31.0404% | 7,615 |
| Net charge-offs to loans | 0.6394% | 2,763 |
| Credit loss provision to net charge-offs | 120.3354% | 4,215 |
| Earnings coverage of net charge-offs (x) | 3.8522% | 3,363 |
| Efficiency ratio | 49.3802% | 7,597 |
| Assets per employee ($millions) | 6.4083% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 2,611 |
| Loan loss allowance to noncurrent loans | 25.7230% | 6,741 |
| Noncurrent assets plus other real estate owned to assets | 6.2903% | 826 |
| Noncurrent loans to loans | 6.6269% | 862 |
| Net loans and leases to total assets | 72.2342% | 2,974 |
| Net loans and leases to deposits | 82.4196% | 3,932 |
| Net loans and leases to core deposits | 160.7874% | 369 |
| Total domestic deposits to total assets | 87.6421% | 1,828 |
| Equity capital to assets | 7.5883% | 7,231 |
| Core capital (leverage) ratio | 2.9215% | 8,028 |
| Tier 1 risk-based capital ratio | 4.1051% | 8,024 |
| Total risk-based capital ratio | 5.7240% | 8,021 |
| Memoranda: | ||
| Average total assets | $243,052,750 | 2,699 |
| Average earning assets | $223,370,500 | 2,695 |
| Average equity | $22,129,750 | 2,959 |
| Average total loans | $198,928,500 | 2,329 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6665% | 577 |
| Cost of funding earning assets | 2.3530% | 2,150 |
| Net interest margin | 4.3135% | 1,619 |
| Noninterest income to average assets | 0.3051% | 6,079 |
| Noninterest expense to average assets | 1.9428% | 7,566 |
| Loan and lease loss provision to assets | 0.9622% | 1,757 |
| Net operating income to assets | 0.8402% | 2,699 |
| Return on assets (ROA) | 0.8289% | 2,834 |
| Pretax return on assets | 1.2957% | 2,037 |
| Return on Equity (ROE) | 8.5915% | 2,523 |
| Retained earnings to average equity (ytd only) | 8.5915% | 1,043 |
| Net charge-offs to loans | 0.8486% | 1,993 |
| Credit loss provision to net charge-offs | 133.6438% | 3,488 |
| Earnings coverage of net charge-offs (x) | 3.1607% | 3,538 |
| Efficiency ratio | 46.0560% | 7,846 |
| Assets per employee ($millions) | 5.7504% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7319% | 2,238 |
| Loan loss allowance to noncurrent loans | 28.4314% | 6,603 |
| Noncurrent assets plus other real estate owned to assets | 6.4000% | 723 |
| Noncurrent loans to loans | 6.0913% | 891 |
| Net loans and leases to total assets | 81.5540% | 1,038 |
| Net loans and leases to deposits | 96.5540% | 1,717 |
| Net loans and leases to core deposits | 161.4605% | 429 |
| Total domestic deposits to total assets | 84.4646% | 3,519 |
| Equity capital to assets | 10.3592% | 3,554 |
| Core capital (leverage) ratio | 8.2579% | 5,871 |
| Tier 1 risk-based capital ratio | 10.3914% | 6,487 |
| Total risk-based capital ratio | 11.8055% | 6,277 |
| Memoranda: | ||
| Average total assets | $238,627,000 | 2,767 |
| Average earning assets | $216,485,000 | 2,792 |
| Average equity | $23,022,670 | 2,858 |
| Average total loans | $202,448,330 | 2,322 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4340% | 988 |
| Cost of funding earning assets | 2.4777% | 2,002 |
| Net interest margin | 3.9563% | 2,829 |
| Noninterest income to average assets | 0.2717% | 6,261 |
| Noninterest expense to average assets | 1.8886% | 7,567 |
| Loan and lease loss provision to assets | 0.8644% | 1,517 |
| Net operating income to assets | 0.7054% | 3,528 |
| Return on assets (ROA) | 0.6833% | 3,824 |
| Pretax return on assets | 1.0703% | 3,099 |
| Return on Equity (ROE) | 7.3386% | 3,452 |
| Retained earnings to average equity (ytd only) | 7.3386% | 2,081 |
| Net charge-offs to loans | 0.1787% | 3,571 |
| Credit loss provision to net charge-offs | 564.5161% | 995 |
| Earnings coverage of net charge-offs (x) | 12.8602% | 1,768 |
| Efficiency ratio | 48.9543% | 7,669 |
| Assets per employee ($millions) | 6.0363% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 2,277 |
| Loan loss allowance to noncurrent loans | 77.3839% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 2.1139% | 2,730 |
| Noncurrent loans to loans | 2.1422% | 3,064 |
| Net loans and leases to total assets | 84.7399% | 589 |
| Net loans and leases to deposits | 98.7352% | 1,566 |
| Net loans and leases to core deposits | 174.2241% | 294 |
| Total domestic deposits to total assets | 85.8254% | 2,812 |
| Equity capital to assets | 9.2801% | 4,966 |
| Core capital (leverage) ratio | 7.9437% | 6,552 |
| Tier 1 risk-based capital ratio | 9.8264% | 7,112 |
| Total risk-based capital ratio | 11.1170% | 6,965 |
| Memoranda: | ||
| Average total assets | $242,932,000 | 2,737 |
| Average earning assets | $220,204,500 | 2,758 |
| Average equity | $22,620,000 | 2,909 |
| Average total loans | $208,225,500 | 2,286 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9232% | 214 |
| Cost of funding earning assets | 2.9966% | 1,875 |
| Net interest margin | 4.9266% | 604 |
| Noninterest income to average assets | 0.6356% | 3,592 |
| Noninterest expense to average assets | 1.8687% | 7,665 |
| Loan and lease loss provision to assets | 0.2435% | 4,477 |
| Net operating income to assets | 2.0537% | 315 |
| Return on assets (ROA) | -5.3557% | 8,103 |
| Pretax return on assets | -8.4908% | 8,216 |
| Return on Equity (ROE) | -56.4729% | 8,184 |
| Retained earnings to average equity (ytd only) | -56.4729% | 8,168 |
| Net charge-offs to loans | 0.1873% | 4,325 |
| Credit loss provision to net charge-offs | 162.1622% | 3,187 |
| Earnings coverage of net charge-offs (x) | 22.1730% | 1,486 |
| Efficiency ratio | 35.9463% | 8,194 |
| Assets per employee ($millions) | 6.2669% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4477% | 2,937 |
| Loan loss allowance to noncurrent loans | 65.0356% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 2.4987% | 1,943 |
| Noncurrent loans to loans | 2.2261% | 2,472 |
| Net loans and leases to total assets | 84.0298% | 883 |
| Net loans and leases to deposits | 108.1905% | 958 |
| Net loans and leases to core deposits | 175.9322% | 332 |
| Total domestic deposits to total assets | 77.6684% | 5,815 |
| Equity capital to assets | 9.3421% | 4,881 |
| Core capital (leverage) ratio | 7.7991% | 6,800 |
| Tier 1 risk-based capital ratio | 9.5581% | 7,243 |
| Total risk-based capital ratio | 10.8119% | 7,147 |
| Memoranda: | ||
| Average total assets | $246,372,200 | 2,591 |
| Average earning assets | $228,190,400 | 2,567 |
| Average equity | $23,365,200 | 2,807 |
| Average total loans | $197,519,200 | 2,323 |