Home > MainSource Bank - Ohio > Performance and Condition Ratios
MainSource Bank - Ohio, 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 | 6.1237% | 1,568 |
| Cost of funding earning assets | 1.9098% | 3,830 |
| Net interest margin | 4.2139% | 1,996 |
| Noninterest income to average assets | 0.9299% | 1,861 |
| Noninterest expense to average assets | 2.3893% | 6,449 |
| Loan and lease loss provision to assets | 0.1924% | 5,457 |
| Net operating income to assets | 1.0644% | 1,849 |
| Return on assets (ROA) | 1.0644% | 1,905 |
| Pretax return on assets | 1.7246% | 925 |
| Return on Equity (ROE) | 5.7238% | 3,641 |
| Retained earnings to average equity (ytd only) | 5.7238% | 2,090 |
| Net charge-offs to loans | 0.1332% | 5,365 |
| Credit loss provision to net charge-offs | 191.6667% | 2,364 |
| Earnings coverage of net charge-offs (x) | 19.0966% | 1,313 |
| Efficiency ratio | 51.4345% | 7,453 |
| Assets per employee ($millions) | 4.5549% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 4,924 |
| Loan loss allowance to noncurrent loans | 137.3618% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.9197% | 5,232 |
| Noncurrent loans to loans | 0.8997% | 5,484 |
| Net loans and leases to total assets | 71.0946% | 3,248 |
| Net loans and leases to deposits | 112.2861% | 380 |
| Net loans and leases to core deposits | 132.5866% | 1,304 |
| Total domestic deposits to total assets | 63.3156% | 7,792 |
| Equity capital to assets | 18.8388% | 430 |
| Core capital (leverage) ratio | 9.7364% | 3,592 |
| Tier 1 risk-based capital ratio | 15.0360% | 3,020 |
| Total risk-based capital ratio | 16.2890% | 2,960 |
| Memoranda: | ||
| Average total assets | $207,194,000 | 3,109 |
| Average earning assets | $166,017,750 | 3,446 |
| Average equity | $38,528,000 | 1,764 |
| Average total loans | $156,180,000 | 2,851 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1491% | 1,620 |
| Cost of funding earning assets | 1.9513% | 3,997 |
| Net interest margin | 4.1978% | 2,007 |
| Noninterest income to average assets | 0.9679% | 1,700 |
| Noninterest expense to average assets | 2.4174% | 6,407 |
| Loan and lease loss provision to assets | 0.1395% | 5,679 |
| Net operating income to assets | 1.0910% | 1,806 |
| Return on assets (ROA) | 1.0910% | 1,878 |
| Pretax return on assets | 1.7731% | 889 |
| Return on Equity (ROE) | 5.8932% | 3,701 |
| Retained earnings to average equity (ytd only) | 5.8932% | 2,070 |
| Net charge-offs to loans | 0.1228% | 4,934 |
| Credit loss provision to net charge-offs | 148.4536% | 3,111 |
| Earnings coverage of net charge-offs (x) | 20.3505% | 1,318 |
| Efficiency ratio | 51.7789% | 7,532 |
| Assets per employee ($millions) | 4.7293% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 5,110 |
| Loan loss allowance to noncurrent loans | 137.6168% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.7559% | 5,509 |
| Noncurrent loans to loans | 0.8541% | 5,516 |
| Net loans and leases to total assets | 71.3986% | 3,379 |
| Net loans and leases to deposits | 111.9126% | 482 |
| Net loans and leases to core deposits | 133.6446% | 1,335 |
| Total domestic deposits to total assets | 63.7985% | 7,838 |
| Equity capital to assets | 18.6404% | 488 |
| Core capital (leverage) ratio | 9.7821% | 3,542 |
| Tier 1 risk-based capital ratio | 14.8592% | 3,083 |
| Total risk-based capital ratio | 16.1117% | 3,015 |
| Memoranda: | ||
| Average total assets | $206,417,000 | 3,149 |
| Average earning assets | $165,325,000 | 3,469 |
| Average equity | $38,213,330 | 1,788 |
| Average total loans | $157,965,000 | 2,857 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2234% | 1,520 |
| Cost of funding earning assets | 1.9795% | 4,243 |
| Net interest margin | 4.2439% | 1,765 |
| Noninterest income to average assets | 0.8250% | 2,201 |
| Noninterest expense to average assets | 2.3251% | 6,449 |
| Loan and lease loss provision to assets | 0.2919% | 3,620 |
| Net operating income to assets | 0.9982% | 2,321 |
| Return on assets (ROA) | 0.9982% | 2,456 |
| Pretax return on assets | 1.6286% | 1,336 |
| Return on Equity (ROE) | 5.4106% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.4106% | 2,897 |
| Net charge-offs to loans | 0.1978% | 3,450 |
| Credit loss provision to net charge-offs | 187.5000% | 2,334 |
| Earnings coverage of net charge-offs (x) | 12.3375% | 1,809 |
| Efficiency ratio | 50.6416% | 7,543 |
| Assets per employee ($millions) | 4.4505% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 5,334 |
| Loan loss allowance to noncurrent loans | 169.6682% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.6716% | 5,486 |
| Noncurrent loans to loans | 0.6593% | 5,756 |
| Net loans and leases to total assets | 79.0078% | 1,580 |
| Net loans and leases to deposits | 124.5451% | 208 |
| Net loans and leases to core deposits | 151.8162% | 653 |
| Total domestic deposits to total assets | 63.4371% | 7,868 |
| Equity capital to assets | 19.0654% | 489 |
| Core capital (leverage) ratio | 9.5072% | 3,974 |
| Tier 1 risk-based capital ratio | 14.1753% | 3,488 |
| Total risk-based capital ratio | 15.4354% | 3,416 |
| Memoranda: | ||
| Average total assets | $205,580,000 | 3,174 |
| Average earning assets | $165,696,000 | 3,480 |
| Average equity | $37,925,500 | 1,801 |
| Average total loans | $161,777,000 | 2,817 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7626% | 1,816 |
| Cost of funding earning assets | 2.5705% | 3,847 |
| Net interest margin | 4.1920% | 2,341 |
| Noninterest income to average assets | 0.8161% | 2,422 |
| Noninterest expense to average assets | 2.1076% | 7,220 |
| Loan and lease loss provision to assets | 0.2854% | 4,098 |
| Net operating income to assets | 1.1113% | 2,103 |
| Return on assets (ROA) | 1.1113% | 2,020 |
| Pretax return on assets | 1.7883% | 967 |
| Return on Equity (ROE) | 6.1322% | 3,891 |
| Retained earnings to average equity (ytd only) | 0.7836% | 4,752 |
| Net charge-offs to loans | 0.2163% | 4,047 |
| Credit loss provision to net charge-offs | 165.9155% | 3,100 |
| Earnings coverage of net charge-offs (x) | 12.0535% | 2,300 |
| Efficiency ratio | 46.0709% | 7,929 |
| Assets per employee ($millions) | 4.6864% | 2,348 |
| Cash dividends to net income (ytd only)* | 87.2220% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 5,609 |
| Loan loss allowance to noncurrent loans | 157.5092% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 5,628 |
| Noncurrent loans to loans | 0.6678% | 5,364 |
| Net loans and leases to total assets | 76.7296% | 2,442 |
| Net loans and leases to deposits | 135.8931% | 140 |
| Net loans and leases to core deposits | 168.5278% | 429 |
| Total domestic deposits to total assets | 56.4632% | 8,048 |
| Equity capital to assets | 17.8618% | 664 |
| Core capital (leverage) ratio | 9.2268% | 4,398 |
| Tier 1 risk-based capital ratio | 13.4314% | 3,859 |
| Total risk-based capital ratio | 14.6828% | 3,761 |
| Memoranda: | ||
| Average total assets | $206,343,800 | 3,049 |
| Average earning assets | $165,647,200 | 3,394 |
| Average equity | $37,392,600 | 1,806 |
| Average total loans | $164,094,000 | 2,712 |