Home > Manatee River Community Bank > Performance and Condition Ratios
Manatee River Community Bank, 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 | 5.3288% | 5,286 |
| Cost of funding earning assets | 2.8876% | 483 |
| Net interest margin | 2.4412% | 7,523 |
| Noninterest income to average assets | 0.1269% | 7,253 |
| Noninterest expense to average assets | 2.5015% | 6,063 |
| Loan and lease loss provision to assets | 1.9341% | 946 |
| Net operating income to assets | -2.0660% | 7,347 |
| Return on assets (ROA) | -2.0423% | 7,334 |
| Pretax return on assets | -2.0423% | 7,202 |
| Return on Equity (ROE) | -35.3042% | 7,704 |
| Retained earnings to average equity (ytd only) | -35.3042% | 7,695 |
| Net charge-offs to loans | 2.0534% | 951 |
| Credit loss provision to net charge-offs | 118.0692% | 4,305 |
| Earnings coverage of net charge-offs (x) | -0.0805% | 6,160 |
| Efficiency ratio | 105.5675% | 867 |
| Assets per employee ($millions) | 5.0886% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8413% | 6,982 |
| Loan loss allowance to noncurrent loans | 19.4660% | 7,119 |
| Noncurrent assets plus other real estate owned to assets | 4.6738% | 1,285 |
| Noncurrent loans to loans | 4.3219% | 1,653 |
| Net loans and leases to total assets | 79.3684% | 1,309 |
| Net loans and leases to deposits | 93.2762% | 2,006 |
| Net loans and leases to core deposits | 127.0106% | 1,651 |
| Total domestic deposits to total assets | 85.0896% | 3,182 |
| Equity capital to assets | 5.4867% | 7,921 |
| Core capital (leverage) ratio | 5.4459% | 7,879 |
| Tier 1 risk-based capital ratio | 8.4359% | 7,737 |
| Total risk-based capital ratio | 9.3322% | 7,799 |
| Memoranda: | ||
| Average total assets | $157,661,750 | 3,838 |
| Average earning assets | $144,845,250 | 3,820 |
| Average equity | $9,120,500 | 5,627 |
| Average total loans | $125,770,750 | 3,387 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3452% | 5,415 |
| Cost of funding earning assets | 2.9612% | 517 |
| Net interest margin | 2.3840% | 7,589 |
| Noninterest income to average assets | 0.3176% | 5,962 |
| Noninterest expense to average assets | 2.4691% | 6,229 |
| Loan and lease loss provision to assets | 2.5607% | 604 |
| Net operating income to assets | -2.5193% | 7,563 |
| Return on assets (ROA) | -2.4842% | 7,546 |
| Pretax return on assets | -2.4842% | 7,415 |
| Return on Equity (ROE) | -42.2472% | 7,864 |
| Retained earnings to average equity (ytd only) | -42.2472% | 7,851 |
| Net charge-offs to loans | 2.6622% | 633 |
| Credit loss provision to net charge-offs | 120.7101% | 3,847 |
| Earnings coverage of net charge-offs (x) | 0.0195% | 5,660 |
| Efficiency ratio | 98.3500% | 1,256 |
| Assets per employee ($millions) | 5.3125% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 7,042 |
| Loan loss allowance to noncurrent loans | 17.8379% | 7,242 |
| Noncurrent assets plus other real estate owned to assets | 4.7379% | 1,168 |
| Noncurrent loans to loans | 4.6808% | 1,354 |
| Net loans and leases to total assets | 76.6069% | 2,033 |
| Net loans and leases to deposits | 89.5478% | 2,892 |
| Net loans and leases to core deposits | 119.9036% | 2,382 |
| Total domestic deposits to total assets | 85.5486% | 2,996 |
| Equity capital to assets | 5.4877% | 8,004 |
| Core capital (leverage) ratio | 5.4877% | 7,985 |
| Tier 1 risk-based capital ratio | 8.7362% | 7,805 |
| Total risk-based capital ratio | 9.6182% | 7,898 |
| Memoranda: | ||
| Average total assets | $159,329,330 | 3,841 |
| Average earning assets | $146,562,330 | 3,804 |
| Average equity | $9,368,670 | 5,555 |
| Average total loans | $126,964,000 | 3,401 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4464% | 5,193 |
| Cost of funding earning assets | 3.0626% | 505 |
| Net interest margin | 2.3838% | 7,634 |
| Noninterest income to average assets | 0.3038% | 6,008 |
| Noninterest expense to average assets | 2.4130% | 6,150 |
| Loan and lease loss provision to assets | 2.5084% | 463 |
| Net operating income to assets | -2.4305% | 7,756 |
| Return on assets (ROA) | -2.3602% | 7,740 |
| Pretax return on assets | -2.3602% | 7,632 |
| Return on Equity (ROE) | -38.8430% | 7,975 |
| Retained earnings to average equity (ytd only) | -38.8430% | 7,951 |
| Net charge-offs to loans | 3.2556% | 384 |
| Credit loss provision to net charge-offs | 95.2336% | 3,889 |
| Earnings coverage of net charge-offs (x) | 0.0296% | 4,954 |
| Efficiency ratio | 96.8750% | 1,272 |
| Assets per employee ($millions) | 5.4015% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4936% | 7,838 |
| Loan loss allowance to noncurrent loans | 13.5960% | 7,443 |
| Noncurrent assets plus other real estate owned to assets | 3.8378% | 1,372 |
| Noncurrent loans to loans | 3.6305% | 1,727 |
| Net loans and leases to total assets | 78.1253% | 1,793 |
| Net loans and leases to deposits | 91.8562% | 2,624 |
| Net loans and leases to core deposits | 122.1939% | 2,235 |
| Total domestic deposits to total assets | 85.0518% | 3,171 |
| Equity capital to assets | 5.9458% | 8,005 |
| Core capital (leverage) ratio | 5.9458% | 8,017 |
| Tier 1 risk-based capital ratio | 9.1670% | 7,694 |
| Total risk-based capital ratio | 9.6266% | 7,997 |
| Memoranda: | ||
| Average total assets | $159,306,000 | 3,848 |
| Average earning assets | $146,152,000 | 3,824 |
| Average equity | $9,680,000 | 5,484 |
| Average total loans | $128,885,500 | 3,390 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2346% | 4,332 |
| Cost of funding earning assets | 3.6612% | 305 |
| Net interest margin | 2.5734% | 7,669 |
| Noninterest income to average assets | 0.2100% | 6,935 |
| Noninterest expense to average assets | 2.6086% | 5,616 |
| Loan and lease loss provision to assets | 0.8027% | 1,846 |
| Net operating income to assets | -0.8498% | 7,165 |
| Return on assets (ROA) | -0.7589% | 7,011 |
| Pretax return on assets | -0.7589% | 6,855 |
| Return on Equity (ROE) | -11.0395% | 7,347 |
| Retained earnings to average equity (ytd only) | -11.0395% | 7,163 |
| Net charge-offs to loans | 0.6117% | 2,004 |
| Credit loss provision to net charge-offs | 157.9214% | 3,289 |
| Earnings coverage of net charge-offs (x) | -0.0925% | 6,316 |
| Efficiency ratio | 101.8360% | 918 |
| Assets per employee ($millions) | 4.8927% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5194% | 7,819 |
| Loan loss allowance to noncurrent loans | 20.0770% | 7,238 |
| Noncurrent assets plus other real estate owned to assets | 3.0850% | 1,487 |
| Noncurrent loans to loans | 2.5869% | 2,093 |
| Net loans and leases to total assets | 82.9465% | 1,055 |
| Net loans and leases to deposits | 97.5124% | 2,193 |
| Net loans and leases to core deposits | 127.2847% | 2,060 |
| Total domestic deposits to total assets | 85.0625% | 2,813 |
| Equity capital to assets | 6.2114% | 8,016 |
| Core capital (leverage) ratio | 6.2114% | 8,018 |
| Tier 1 risk-based capital ratio | 9.3074% | 7,515 |
| Total risk-based capital ratio | 9.8175% | 8,036 |
| Memoranda: | ||
| Average total assets | $155,218,600 | 3,797 |
| Average earning assets | $141,837,600 | 3,809 |
| Average equity | $10,670,800 | 5,221 |
| Average total loans | $128,991,600 | 3,288 |