Home > MainSource Bank of Illinois > Performance and Condition Ratios
MainSource Bank of Illinois, 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 | 5.3303% | 5,274 |
| Cost of funding earning assets | 1.5309% | 5,713 |
| Net interest margin | 3.7994% | 3,662 |
| Noninterest income to average assets | 1.3035% | 917 |
| Noninterest expense to average assets | 4.4712% | 769 |
| Loan and lease loss provision to assets | 2.9347% | 511 |
| Net operating income to assets | -1.4432% | 7,082 |
| Return on assets (ROA) | -1.4309% | 7,071 |
| Pretax return on assets | -2.5956% | 7,384 |
| Return on Equity (ROE) | -17.0675% | 7,276 |
| Retained earnings to average equity (ytd only) | -17.0675% | 7,235 |
| Net charge-offs to loans | 1.1637% | 1,740 |
| Credit loss provision to net charge-offs | 425.4174% | 932 |
| Earnings coverage of net charge-offs (x) | 0.4638% | 5,568 |
| Efficiency ratio | 56.5514% | 6,929 |
| Assets per employee ($millions) | 3.9280% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7342% | 167 |
| Loan loss allowance to noncurrent loans | 69.3195% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 3.9960% | 1,603 |
| Noncurrent loans to loans | 6.8296% | 803 |
| Net loans and leases to total assets | 55.2803% | 6,231 |
| Net loans and leases to deposits | 61.7753% | 6,695 |
| Net loans and leases to core deposits | 70.3879% | 6,947 |
| Total domestic deposits to total assets | 89.4861% | 973 |
| Equity capital to assets | 8.7686% | 5,854 |
| Core capital (leverage) ratio | 7.8893% | 6,513 |
| Tier 1 risk-based capital ratio | 12.3132% | 4,691 |
| Total risk-based capital ratio | 13.6008% | 4,611 |
| Memoranda: | ||
| Average total assets | $208,350,750 | 3,103 |
| Average earning assets | $191,254,250 | 3,098 |
| Average equity | $17,467,500 | 3,621 |
| Average total loans | $123,510,000 | 3,434 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2752% | 5,769 |
| Cost of funding earning assets | 1.6007% | 5,739 |
| Net interest margin | 3.6745% | 4,066 |
| Noninterest income to average assets | 1.1753% | 1,130 |
| Noninterest expense to average assets | 5.3733% | 406 |
| Loan and lease loss provision to assets | 3.1879% | 463 |
| Net operating income to assets | -2.2687% | 7,501 |
| Return on assets (ROA) | -2.2501% | 7,490 |
| Pretax return on assets | -3.9962% | 7,749 |
| Return on Equity (ROE) | -27.2669% | 7,667 |
| Retained earnings to average equity (ytd only) | -27.2669% | 7,639 |
| Net charge-offs to loans | 1.5074% | 1,260 |
| Credit loss provision to net charge-offs | 354.1845% | 1,310 |
| Earnings coverage of net charge-offs (x) | -0.9303% | 6,217 |
| Efficiency ratio | 60.2938% | 6,496 |
| Assets per employee ($millions) | 3.7121% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7625% | 308 |
| Loan loss allowance to noncurrent loans | 61.6842% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 3.7667% | 1,622 |
| Noncurrent loans to loans | 6.0996% | 890 |
| Net loans and leases to total assets | 56.6712% | 6,129 |
| Net loans and leases to deposits | 62.8485% | 6,664 |
| Net loans and leases to core deposits | 70.9128% | 6,974 |
| Total domestic deposits to total assets | 90.1710% | 761 |
| Equity capital to assets | 8.2207% | 6,460 |
| Core capital (leverage) ratio | 7.7921% | 6,627 |
| Tier 1 risk-based capital ratio | 12.0488% | 4,877 |
| Total risk-based capital ratio | 13.3261% | 4,773 |
| Memoranda: | ||
| Average total assets | $207,097,670 | 3,139 |
| Average earning assets | $189,414,330 | 3,147 |
| Average equity | $17,090,330 | 3,695 |
| Average total loans | $123,652,670 | 3,458 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3509% | 5,653 |
| Cost of funding earning assets | 1.6568% | 5,786 |
| Net interest margin | 3.6941% | 3,913 |
| Noninterest income to average assets | 1.1247% | 1,170 |
| Noninterest expense to average assets | 2.8372% | 4,394 |
| Loan and lease loss provision to assets | 1.2223% | 1,059 |
| Net operating income to assets | 0.4628% | 4,602 |
| Return on assets (ROA) | 0.4725% | 4,743 |
| Pretax return on assets | 0.4491% | 5,248 |
| Return on Equity (ROE) | 5.7148% | 4,161 |
| Retained earnings to average equity (ytd only) | 5.7148% | 2,771 |
| Net charge-offs to loans | 1.3801% | 1,027 |
| Credit loss provision to net charge-offs | 147.2941% | 2,822 |
| Earnings coverage of net charge-offs (x) | 2.0024% | 3,718 |
| Efficiency ratio | 62.1528% | 6,024 |
| Assets per employee ($millions) | 3.7871% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0269% | 1,361 |
| Loan loss allowance to noncurrent loans | 51.5654% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 2.3750% | 2,406 |
| Noncurrent loans to loans | 3.9308% | 1,549 |
| Net loans and leases to total assets | 58.4790% | 5,870 |
| Net loans and leases to deposits | 64.8900% | 6,473 |
| Net loans and leases to core deposits | 73.5230% | 6,838 |
| Total domestic deposits to total assets | 90.1201% | 739 |
| Equity capital to assets | 8.3426% | 6,323 |
| Core capital (leverage) ratio | 6.5606% | 7,854 |
| Tier 1 risk-based capital ratio | 9.8550% | 7,080 |
| Total risk-based capital ratio | 11.1124% | 6,972 |
| Memoranda: | ||
| Average total assets | $204,852,000 | 3,184 |
| Average earning assets | $187,107,500 | 3,195 |
| Average equity | $16,938,500 | 3,742 |
| Average total loans | $123,180,000 | 3,498 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0280% | 5,418 |
| Cost of funding earning assets | 2.1892% | 5,645 |
| Net interest margin | 3.8388% | 3,842 |
| Noninterest income to average assets | 0.9988% | 1,587 |
| Noninterest expense to average assets | 2.6197% | 5,578 |
| Loan and lease loss provision to assets | 0.9014% | 1,660 |
| Net operating income to assets | 0.7612% | 3,611 |
| Return on assets (ROA) | 0.8389% | 3,111 |
| Pretax return on assets | 1.0633% | 3,170 |
| Return on Equity (ROE) | 10.1897% | 2,189 |
| Retained earnings to average equity (ytd only) | 2.9070% | 3,363 |
| Net charge-offs to loans | 0.6341% | 1,941 |
| Credit loss provision to net charge-offs | 246.4481% | 1,890 |
| Earnings coverage of net charge-offs (x) | 5.1025% | 3,748 |
| Efficiency ratio | 57.4070% | 6,798 |
| Assets per employee ($millions) | 3.5966% | 4,422 |
| Cash dividends to net income (ytd only)* | 71.4711% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9003% | 1,413 |
| Loan loss allowance to noncurrent loans | 88.6129% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.3763% | 3,437 |
| Noncurrent loans to loans | 2.1445% | 2,573 |
| Net loans and leases to total assets | 59.4374% | 5,988 |
| Net loans and leases to deposits | 68.3225% | 6,429 |
| Net loans and leases to core deposits | 77.4858% | 6,771 |
| Total domestic deposits to total assets | 86.9953% | 1,937 |
| Equity capital to assets | 8.1922% | 6,564 |
| Core capital (leverage) ratio | 6.5472% | 7,921 |
| Tier 1 risk-based capital ratio | 9.8055% | 6,951 |
| Total risk-based capital ratio | 11.0616% | 6,836 |
| Memoranda: | ||
| Average total assets | $200,138,400 | 3,140 |
| Average earning assets | $181,800,400 | 3,163 |
| Average equity | $16,477,400 | 3,829 |
| Average total loans | $115,445,800 | 3,553 |