Home > MainSource Bank - Hobart > Performance and Condition Ratios
MainSource Bank - Hobart, 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 | 3.8443% | 7,853 |
| Cost of funding earning assets | 2.0728% | 3,020 |
| Net interest margin | 1.7715% | 7,893 |
| Noninterest income to average assets | 0.0000% | 7,834 |
| Noninterest expense to average assets | 0.2255% | 8,090 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9393% | 2,273 |
| Return on assets (ROA) | 0.9393% | 2,337 |
| Pretax return on assets | 1.5782% | 1,221 |
| Return on Equity (ROE) | 7.9737% | 2,651 |
| Retained earnings to average equity (ytd only) | 7.9737% | 1,146 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.7660% | 8,071 |
| Assets per employee ($millions) | 3.5400% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 84.7458% | 3,348 |
| Equity capital to assets | 12.0904% | 2,195 |
| Core capital (leverage) ratio | 11.2644% | 2,208 |
| Tier 1 risk-based capital ratio | 55.8405% | 135 |
| Total risk-based capital ratio | 55.8405% | 138 |
| Memoranda: | ||
| Average total assets | $3,548,250 | 8,102 |
| Average earning assets | $3,537,750 | 8,090 |
| Average equity | $418,000 | 8,094 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1812% | 7,837 |
| Cost of funding earning assets | 2.0906% | 3,320 |
| Net interest margin | 2.0906% | 7,818 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 0.1690% | 8,186 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1828% | 1,527 |
| Return on assets (ROA) | 1.1828% | 1,612 |
| Pretax return on assets | 1.9713% | 599 |
| Return on Equity (ROE) | 10.1285% | 1,980 |
| Retained earnings to average equity (ytd only) | 10.1285% | 712 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.1081% | 8,163 |
| Assets per employee ($millions) | 3.5180% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 85.2757% | 3,126 |
| Equity capital to assets | 12.1092% | 2,145 |
| Core capital (leverage) ratio | 11.2558% | 2,222 |
| Tier 1 risk-based capital ratio | 55.6509% | 147 |
| Total risk-based capital ratio | 55.6509% | 148 |
| Memoranda: | ||
| Average total assets | $3,551,000 | 8,198 |
| Average earning assets | $3,539,670 | 8,185 |
| Average equity | $414,670 | 8,185 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 7,717 |
| Cost of funding earning assets | 2.1375% | 3,478 |
| Net interest margin | 2.3625% | 7,659 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 0.3364% | 8,227 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2334% | 1,551 |
| Return on assets (ROA) | 1.2334% | 1,663 |
| Pretax return on assets | 2.0182% | 646 |
| Return on Equity (ROE) | 10.7579% | 2,042 |
| Retained earnings to average equity (ytd only) | 10.7579% | 1,016 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.2857% | 8,201 |
| Assets per employee ($millions) | 3.4910% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 85.9353% | 2,763 |
| Equity capital to assets | 12.0596% | 2,225 |
| Core capital (leverage) ratio | 11.0786% | 2,446 |
| Tier 1 risk-based capital ratio | 54.6898% | 164 |
| Total risk-based capital ratio | 54.6898% | 170 |
| Memoranda: | ||
| Average total assets | $3,567,500 | 8,249 |
| Average earning assets | $3,555,500 | 8,236 |
| Average equity | $409,000 | 8,239 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 7,965 |
| Cost of funding earning assets | 2.7592% | 2,879 |
| Net interest margin | 1.9708% | 8,081 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 0.1684% | 8,285 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1223% | 2,061 |
| Return on assets (ROA) | 1.1223% | 1,975 |
| Pretax return on assets | 1.8519% | 849 |
| Return on Equity (ROE) | 10.6496% | 2,027 |
| Retained earnings to average equity (ytd only) | 10.6496% | 368 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.5714% | 8,278 |
| Assets per employee ($millions) | 3.6440% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 87.2393% | 1,815 |
| Equity capital to assets | 10.8946% | 3,123 |
| Core capital (leverage) ratio | 10.2336% | 3,230 |
| Tier 1 risk-based capital ratio | 50.4801% | 214 |
| Total risk-based capital ratio | 50.4801% | 219 |
| Memoranda: | ||
| Average total assets | $3,564,000 | 8,307 |
| Average earning assets | $3,551,800 | 8,294 |
| Average equity | $375,600 | 8,303 |
| Average total loans | NA | NA |