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Mainstreet Bank, Performance and Condition Ratios
| 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 | 3.4470% | 8,037 |
| Cost of funding earning assets | 3.4502% | 129 |
| Net interest margin | -0.0033% | 8,183 |
| Noninterest income to average assets | -0.8605% | 8,149 |
| Noninterest expense to average assets | 3.0862% | 3,755 |
| Loan and lease loss provision to assets | 6.7148% | 105 |
| Net operating income to assets | -10.6664% | 8,134 |
| Return on assets (ROA) | -9.9330% | 8,115 |
| Pretax return on assets | -9.9309% | 8,102 |
| Return on Equity (ROE) | -509.7634% | 8,183 |
| Retained earnings to average equity (ytd only) | -509.7634% | 8,183 |
| Net charge-offs to loans | 15.3084% | 23 |
| Credit loss provision to net charge-offs | 79.6936% | 5,209 |
| Earnings coverage of net charge-offs (x) | -0.4687% | 6,059 |
| Efficiency ratio | -357.4519% | 8,188 |
| Assets per employee ($millions) | 4.7764% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0223% | 1,523 |
| Loan loss allowance to noncurrent loans | 11.7121% | 7,466 |
| Noncurrent assets plus other real estate owned to assets | 16.7534% | 79 |
| Noncurrent loans to loans | 17.2669% | 87 |
| Net loans and leases to total assets | 49.2584% | 6,935 |
| Net loans and leases to deposits | 52.1850% | 7,374 |
| Net loans and leases to core deposits | 64.3284% | 7,287 |
| Total domestic deposits to total assets | 94.3919% | 51 |
| Equity capital to assets | -1.1072% | 8,183 |
| Core capital (leverage) ratio | -0.9949% | 8,181 |
| Tier 1 risk-based capital ratio | -1.7756% | 8,183 |
| Total risk-based capital ratio | -1.7756% | 8,182 |
| Memoranda: | ||
| Average total assets | $481,830,000 | 1,469 |
| Average earning assets | $430,695,000 | 1,500 |
| Average equity | $9,388,670 | 5,549 |
| Average total loans | $265,200,670 | 1,861 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7465% | 8,050 |
| Cost of funding earning assets | 3.3680% | 221 |
| Net interest margin | 0.3785% | 8,207 |
| Noninterest income to average assets | 0.2026% | 6,844 |
| Noninterest expense to average assets | 2.7438% | 4,813 |
| Loan and lease loss provision to assets | 4.2774% | 211 |
| Net operating income to assets | -6.4781% | 8,112 |
| Return on assets (ROA) | -5.3457% | 8,056 |
| Pretax return on assets | -5.3457% | 8,012 |
| Return on Equity (ROE) | -158.7101% | 8,183 |
| Retained earnings to average equity (ytd only) | -158.7101% | 8,181 |
| Net charge-offs to loans | 1.3251% | 1,057 |
| Credit loss provision to net charge-offs | 563.7821% | 997 |
| Earnings coverage of net charge-offs (x) | -2.9006% | 5,516 |
| Efficiency ratio | 505.2239% | 38 |
| Assets per employee ($millions) | 5.3779% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7347% | 123 |
| Loan loss allowance to noncurrent loans | 17.5924% | 7,285 |
| Noncurrent assets plus other real estate owned to assets | 19.2515% | 38 |
| Noncurrent loans to loans | 26.9134% | 17 |
| Net loans and leases to total assets | 52.2396% | 6,657 |
| Net loans and leases to deposits | 57.1585% | 7,092 |
| Net loans and leases to core deposits | 70.2380% | 7,005 |
| Total domestic deposits to total assets | 91.3943% | 297 |
| Equity capital to assets | 2.4889% | 8,209 |
| Core capital (leverage) ratio | 2.4919% | 8,211 |
| Tier 1 risk-based capital ratio | 4.0860% | 8,201 |
| Total risk-based capital ratio | 5.3738% | 8,200 |
| Memoranda: | ||
| Average total assets | $493,478,500 | 1,440 |
| Average earning assets | $443,822,000 | 1,458 |
| Average equity | $16,621,500 | 3,805 |
| Average total loans | $282,537,000 | 1,763 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8108% | 6,389 |
| Cost of funding earning assets | 3.4326% | 644 |
| Net interest margin | 2.3783% | 7,866 |
| Noninterest income to average assets | 0.1186% | 7,529 |
| Noninterest expense to average assets | 3.4557% | 2,507 |
| Loan and lease loss provision to assets | 2.9028% | 320 |
| Net operating income to assets | -4.1609% | 8,008 |
| Return on assets (ROA) | -4.1098% | 7,987 |
| Pretax return on assets | -4.1058% | 7,907 |
| Return on Equity (ROE) | -65.0386% | 8,222 |
| Retained earnings to average equity (ytd only) | -65.0386% | 8,211 |
| Net charge-offs to loans | 2.2130% | 467 |
| Credit loss provision to net charge-offs | 183.8308% | 2,707 |
| Earnings coverage of net charge-offs (x) | -0.7942% | 6,560 |
| Efficiency ratio | 136.4347% | 424 |
| Assets per employee ($millions) | 4.1503% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0514% | 413 |
| Loan loss allowance to noncurrent loans | 14.5734% | 7,410 |
| Noncurrent assets plus other real estate owned to assets | 16.9851% | 45 |
| Noncurrent loans to loans | 20.9382% | 32 |
| Net loans and leases to total assets | 57.9689% | 6,199 |
| Net loans and leases to deposits | 64.9964% | 6,718 |
| Net loans and leases to core deposits | 79.6453% | 6,641 |
| Total domestic deposits to total assets | 89.1879% | 967 |
| Equity capital to assets | 4.2916% | 8,240 |
| Core capital (leverage) ratio | 3.9815% | 8,258 |
| Tier 1 risk-based capital ratio | 5.8830% | 8,233 |
| Total risk-based capital ratio | 7.1508% | 8,236 |
| Memoranda: | ||
| Average total assets | $447,664,000 | 1,533 |
| Average earning assets | $392,095,000 | 1,585 |
| Average equity | $28,287,800 | 2,389 |
| Average total loans | $319,428,200 | 1,520 |