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Mainstreet Savings Bank, FSB, Performance and Condition Ratios
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9598% | 5,135 |
| Cost of funding earning assets | 1.3674% | 4,077 |
| Net interest margin | 3.5924% | 4,849 |
| Noninterest income to average assets | 0.2766% | 5,936 |
| Noninterest expense to average assets | 4.8233% | 431 |
| Loan and lease loss provision to assets | 0.6454% | 2,229 |
| Net operating income to assets | -1.9732% | 7,297 |
| Return on assets (ROA) | -1.9732% | 7,302 |
| Pretax return on assets | -1.9732% | 7,227 |
| Return on Equity (ROE) | -84.7834% | 7,711 |
| Retained earnings to average equity (ytd only) | -84.7834% | 7,709 |
| Net charge-offs to loans | 1.3316% | 1,424 |
| Credit loss provision to net charge-offs | 60.9284% | 5,187 |
| Earnings coverage of net charge-offs (x) | -1.2534% | 6,152 |
| Efficiency ratio | 133.4115% | 291 |
| Assets per employee ($millions) | 3.0183% | 6,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 3,520 |
| Loan loss allowance to noncurrent loans | 21.7407% | 6,859 |
| Noncurrent assets plus other real estate owned to assets | 8.0997% | 603 |
| Noncurrent loans to loans | 7.2830% | 747 |
| Net loans and leases to total assets | 76.8388% | 1,324 |
| Net loans and leases to deposits | 117.2584% | 161 |
| Net loans and leases to core deposits | 117.2584% | 796 |
| Total domestic deposits to total assets | 65.5295% | 7,546 |
| Equity capital to assets | 1.8440% | 7,794 |
| Core capital (leverage) ratio | 1.3394% | 7,802 |
| Tier 1 risk-based capital ratio | 2.2986% | 7,790 |
| Total risk-based capital ratio | 3.5488% | 7,791 |
| Memoranda: | ||
| Average total assets | $97,609,670 | 5,151 |
| Average earning assets | $87,462,330 | 5,197 |
| Average equity | $2,271,670 | 7,613 |
| Average total loans | $77,648,330 | 4,519 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9249% | 5,330 |
| Cost of funding earning assets | 1.4143% | 4,094 |
| Net interest margin | 3.5106% | 5,112 |
| Noninterest income to average assets | 0.1223% | 7,074 |
| Noninterest expense to average assets | 4.6636% | 487 |
| Loan and lease loss provision to assets | 0.4606% | 2,666 |
| Net operating income to assets | -1.8548% | 7,426 |
| Return on assets (ROA) | -1.8548% | 7,429 |
| Pretax return on assets | -1.8548% | 7,370 |
| Return on Equity (ROE) | -72.3083% | 7,773 |
| Retained earnings to average equity (ytd only) | -72.3083% | 7,767 |
| Net charge-offs to loans | 1.6047% | 1,086 |
| Credit loss provision to net charge-offs | 35.7595% | 4,723 |
| Earnings coverage of net charge-offs (x) | -1.0823% | 5,394 |
| Efficiency ratio | 137.7805% | 274 |
| Assets per employee ($millions) | 2.9513% | 6,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 4,591 |
| Loan loss allowance to noncurrent loans | 20.2929% | 6,992 |
| Noncurrent assets plus other real estate owned to assets | 7.4183% | 696 |
| Noncurrent loans to loans | 6.7364% | 913 |
| Net loans and leases to total assets | 78.0089% | 1,152 |
| Net loans and leases to deposits | 119.2585% | 147 |
| Net loans and leases to core deposits | 119.2585% | 813 |
| Total domestic deposits to total assets | 65.4116% | 7,639 |
| Equity capital to assets | 2.3369% | 7,876 |
| Core capital (leverage) ratio | 1.8076% | 7,886 |
| Tier 1 risk-based capital ratio | 3.0988% | 7,872 |
| Total risk-based capital ratio | 4.3500% | 7,874 |
| Memoranda: | ||
| Average total assets | $98,122,500 | 5,204 |
| Average earning assets | $87,961,000 | 5,242 |
| Average equity | $2,517,000 | 7,624 |
| Average total loans | $78,768,500 | 4,548 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2798% | 5,286 |
| Cost of funding earning assets | 2.1356% | 2,303 |
| Net interest margin | 3.1442% | 6,247 |
| Noninterest income to average assets | 0.6493% | 3,299 |
| Noninterest expense to average assets | 4.1177% | 1,199 |
| Loan and lease loss provision to assets | 2.1660% | 965 |
| Net operating income to assets | -2.7867% | 7,350 |
| Return on assets (ROA) | -2.7470% | 7,347 |
| Pretax return on assets | -2.7470% | 7,224 |
| Return on Equity (ROE) | -62.3742% | 7,769 |
| Retained earnings to average equity (ytd only) | -62.3742% | 7,765 |
| Net charge-offs to loans | 2.6169% | 864 |
| Credit loss provision to net charge-offs | 100.8602% | 5,471 |
| Earnings coverage of net charge-offs (x) | -0.2890% | 6,536 |
| Efficiency ratio | 113.6292% | 722 |
| Assets per employee ($millions) | 2.9074% | 6,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 3,883 |
| Loan loss allowance to noncurrent loans | 27.1167% | 6,675 |
| Noncurrent assets plus other real estate owned to assets | 6.4845% | 847 |
| Noncurrent loans to loans | 5.4280% | 1,201 |
| Net loans and leases to total assets | 80.2450% | 950 |
| Net loans and leases to deposits | 122.8310% | 139 |
| Net loans and leases to core deposits | 142.9140% | 712 |
| Total domestic deposits to total assets | 65.3296% | 7,664 |
| Equity capital to assets | 2.7901% | 7,925 |
| Core capital (leverage) ratio | 2.2342% | 7,946 |
| Tier 1 risk-based capital ratio | 3.7220% | 7,919 |
| Total risk-based capital ratio | 4.9729% | 7,921 |
| Memoranda: | ||
| Average total assets | $108,263,600 | 4,869 |
| Average earning assets | $98,053,200 | 4,894 |
| Average equity | $4,768,000 | 7,035 |
| Average total loans | $88,846,000 | 4,246 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3739% | 5,073 |
| Cost of funding earning assets | 2.2801% | 2,066 |
| Net interest margin | 3.0937% | 6,327 |
| Noninterest income to average assets | 0.6702% | 3,218 |
| Noninterest expense to average assets | 3.8306% | 1,538 |
| Loan and lease loss provision to assets | 0.7268% | 2,560 |
| Net operating income to assets | -1.0776% | 6,883 |
| Return on assets (ROA) | -1.0378% | 6,869 |
| Pretax return on assets | -1.0378% | 6,711 |
| Return on Equity (ROE) | -21.7810% | 7,436 |
| Retained earnings to average equity (ytd only) | -21.7810% | 7,403 |
| Net charge-offs to loans | 0.7551% | 2,473 |
| Credit loss provision to net charge-offs | 117.0874% | 4,345 |
| Earnings coverage of net charge-offs (x) | -0.5650% | 6,498 |
| Efficiency ratio | 106.0270% | 856 |
| Assets per employee ($millions) | 2.9724% | 6,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 5,794 |
| Loan loss allowance to noncurrent loans | 21.7952% | 6,994 |
| Noncurrent assets plus other real estate owned to assets | 6.2942% | 825 |
| Noncurrent loans to loans | 4.9990% | 1,328 |
| Net loans and leases to total assets | 79.6699% | 1,238 |
| Net loans and leases to deposits | 122.6044% | 163 |
| Net loans and leases to core deposits | 144.2723% | 754 |
| Total domestic deposits to total assets | 64.9813% | 7,726 |
| Equity capital to assets | 4.6831% | 7,970 |
| Core capital (leverage) ratio | 4.1274% | 7,976 |
| Tier 1 risk-based capital ratio | 6.8525% | 7,910 |
| Total risk-based capital ratio | 8.1030% | 7,916 |
| Memoranda: | ||
| Average total assets | $110,616,750 | 4,839 |
| Average earning assets | $100,459,250 | 4,851 |
| Average equity | $5,270,500 | 6,916 |
| Average total loans | $90,930,500 | 4,219 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3899% | 5,199 |
| Cost of funding earning assets | 2.3901% | 2,004 |
| Net interest margin | 2.9998% | 6,557 |
| Noninterest income to average assets | 0.4290% | 5,042 |
| Noninterest expense to average assets | 3.7106% | 1,819 |
| Loan and lease loss provision to assets | 0.5390% | 2,877 |
| Net operating income to assets | -1.0903% | 7,048 |
| Return on assets (ROA) | -1.0495% | 7,019 |
| Pretax return on assets | -1.0495% | 6,852 |
| Return on Equity (ROE) | -21.9124% | 7,558 |
| Retained earnings to average equity (ytd only) | -21.9124% | 7,512 |
| Net charge-offs to loans | 0.5916% | 2,564 |
| Credit loss provision to net charge-offs | 110.1449% | 4,207 |
| Earnings coverage of net charge-offs (x) | -1.1268% | 6,255 |
| Efficiency ratio | 113.0752% | 774 |
| Assets per employee ($millions) | 3.2223% | 5,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9295% | 6,649 |
| Loan loss allowance to noncurrent loans | 18.3995% | 7,218 |
| Noncurrent assets plus other real estate owned to assets | 5.4851% | 924 |
| Noncurrent loans to loans | 5.0519% | 1,210 |
| Net loans and leases to total assets | 80.6125% | 1,209 |
| Net loans and leases to deposits | 125.2587% | 159 |
| Net loans and leases to core deposits | 144.6639% | 812 |
| Total domestic deposits to total assets | 64.3568% | 7,815 |
| Equity capital to assets | 4.5381% | 8,070 |
| Core capital (leverage) ratio | 4.0112% | 8,097 |
| Tier 1 risk-based capital ratio | 6.5657% | 8,032 |
| Total risk-based capital ratio | 7.8105% | 8,040 |
| Memoranda: | ||
| Average total assets | $112,811,330 | 4,807 |
| Average earning assets | $102,673,670 | 4,821 |
| Average equity | $5,403,330 | 6,927 |
| Average total loans | $93,308,670 | 4,195 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5138% | 4,835 |
| Cost of funding earning assets | 2.5109% | 1,877 |
| Net interest margin | 3.0029% | 6,471 |
| Noninterest income to average assets | 0.4219% | 5,028 |
| Noninterest expense to average assets | 3.7083% | 1,639 |
| Loan and lease loss provision to assets | 0.5921% | 2,129 |
| Net operating income to assets | -1.1522% | 7,333 |
| Return on assets (ROA) | -1.0955% | 7,317 |
| Pretax return on assets | -1.0955% | 7,197 |
| Return on Equity (ROE) | -22.2863% | 7,801 |
| Retained earnings to average equity (ytd only) | -22.2863% | 7,706 |
| Net charge-offs to loans | 0.6930% | 1,800 |
| Credit loss provision to net charge-offs | 102.4540% | 3,661 |
| Earnings coverage of net charge-offs (x) | -0.9693% | 5,354 |
| Efficiency ratio | 113.4009% | 744 |
| Assets per employee ($millions) | 3.2566% | 5,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 6,801 |
| Loan loss allowance to noncurrent loans | 19.9471% | 7,174 |
| Noncurrent assets plus other real estate owned to assets | 5.1930% | 849 |
| Noncurrent loans to loans | 4.4540% | 1,293 |
| Net loans and leases to total assets | 81.2353% | 1,144 |
| Net loans and leases to deposits | 125.9395% | 189 |
| Net loans and leases to core deposits | 146.1571% | 850 |
| Total domestic deposits to total assets | 64.5034% | 7,821 |
| Equity capital to assets | 4.7307% | 8,133 |
| Core capital (leverage) ratio | 4.1859% | 8,164 |
| Tier 1 risk-based capital ratio | 6.8449% | 8,107 |
| Total risk-based capital ratio | 8.0425% | 8,117 |
| Memoranda: | ||
| Average total assets | $112,827,500 | 4,827 |
| Average earning assets | $102,433,000 | 4,848 |
| Average equity | $5,546,000 | 6,931 |
| Average total loans | $94,079,500 | 4,208 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1993% | 4,521 |
| Cost of funding earning assets | 3.3982% | 714 |
| Net interest margin | 2.8011% | 7,331 |
| Noninterest income to average assets | 0.5401% | 4,318 |
| Noninterest expense to average assets | 3.6732% | 2,000 |
| Loan and lease loss provision to assets | 1.0033% | 1,468 |
| Net operating income to assets | -1.5959% | 7,500 |
| Return on assets (ROA) | -1.6611% | 7,471 |
| Pretax return on assets | -1.6593% | 7,327 |
| Return on Equity (ROE) | -27.0334% | 7,905 |
| Retained earnings to average equity (ytd only) | -27.0334% | 7,855 |
| Net charge-offs to loans | 0.6031% | 2,030 |
| Credit loss provision to net charge-offs | 191.2069% | 2,572 |
| Earnings coverage of net charge-offs (x) | -1.1259% | 6,611 |
| Efficiency ratio | 114.4996% | 628 |
| Assets per employee ($millions) | 3.1907% | 5,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9057% | 6,646 |
| Loan loss allowance to noncurrent loans | 25.7040% | 6,955 |
| Noncurrent assets plus other real estate owned to assets | 4.6286% | 797 |
| Noncurrent loans to loans | 3.5234% | 1,434 |
| Net loans and leases to total assets | 84.0645% | 876 |
| Net loans and leases to deposits | 134.8604% | 153 |
| Net loans and leases to core deposits | 155.9452% | 669 |
| Total domestic deposits to total assets | 62.3345% | 7,868 |
| Equity capital to assets | 5.1041% | 8,176 |
| Core capital (leverage) ratio | 4.5176% | 8,241 |
| Tier 1 risk-based capital ratio | 7.1258% | 8,162 |
| Total risk-based capital ratio | 8.3452% | 8,176 |
| Memoranda: | ||
| Average total assets | $110,530,400 | 4,763 |
| Average earning assets | $100,317,200 | 4,796 |
| Average equity | $6,791,600 | 6,527 |
| Average total loans | $96,172,200 | 4,052 |