Home > Marine Bank > Performance and Condition Ratios
Marine Bank, Performance and Condition Ratios
| 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 | 5.2904% | 5,935 |
| Cost of funding earning assets | 2.7986% | 985 |
| Net interest margin | 2.4918% | 7,514 |
| Noninterest income to average assets | 0.0608% | 7,769 |
| Noninterest expense to average assets | 2.3494% | 6,371 |
| Loan and lease loss provision to assets | 1.5481% | 814 |
| Net operating income to assets | -1.4287% | 7,468 |
| Return on assets (ROA) | -0.8516% | 7,189 |
| Pretax return on assets | -0.8516% | 7,064 |
| Return on Equity (ROE) | -10.1362% | 7,374 |
| Retained earnings to average equity (ytd only) | -10.1362% | 7,128 |
| Net charge-offs to loans | 2.7889% | 470 |
| Credit loss provision to net charge-offs | 78.3254% | 4,217 |
| Earnings coverage of net charge-offs (x) | 0.0604% | 4,928 |
| Efficiency ratio | 95.1633% | 1,368 |
| Assets per employee ($millions) | 9.5891% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5947% | 301 |
| Loan loss allowance to noncurrent loans | 51.9674% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 5.0993% | 881 |
| Noncurrent loans to loans | 6.9173% | 590 |
| Net loans and leases to total assets | 70.8616% | 3,501 |
| Net loans and leases to deposits | 81.3259% | 4,402 |
| Net loans and leases to core deposits | 105.0625% | 4,024 |
| Total domestic deposits to total assets | 87.1328% | 2,158 |
| Equity capital to assets | 8.9131% | 5,456 |
| Core capital (leverage) ratio | 9.8421% | 3,587 |
| Tier 1 risk-based capital ratio | 12.0495% | 4,924 |
| Total risk-based capital ratio | 13.3214% | 4,796 |
| Memoranda: | ||
| Average total assets | $381,882,500 | 1,835 |
| Average earning assets | $369,044,000 | 1,752 |
| Average equity | $32,083,000 | 2,112 |
| Average total loans | $270,640,500 | 1,832 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2691% | 4,134 |
| Cost of funding earning assets | 3.0716% | 1,596 |
| Net interest margin | 3.1975% | 6,371 |
| Noninterest income to average assets | 0.0575% | 7,855 |
| Noninterest expense to average assets | 2.3365% | 6,599 |
| Loan and lease loss provision to assets | 3.5584% | 222 |
| Net operating income to assets | -3.1821% | 7,864 |
| Return on assets (ROA) | -3.2898% | 7,865 |
| Pretax return on assets | -2.8564% | 7,672 |
| Return on Equity (ROE) | -35.2487% | 8,025 |
| Retained earnings to average equity (ytd only) | -35.2487% | 7,992 |
| Net charge-offs to loans | 4.6368% | 116 |
| Credit loss provision to net charge-offs | 112.8714% | 4,781 |
| Earnings coverage of net charge-offs (x) | 0.2568% | 6,074 |
| Efficiency ratio | 74.2653% | 3,529 |
| Assets per employee ($millions) | 9.5090% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6702% | 243 |
| Loan loss allowance to noncurrent loans | 122.7946% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 2.0619% | 2,384 |
| Noncurrent loans to loans | 2.9889% | 1,795 |
| Net loans and leases to total assets | 65.9542% | 4,851 |
| Net loans and leases to deposits | 78.8489% | 5,219 |
| Net loans and leases to core deposits | 118.6437% | 2,822 |
| Total domestic deposits to total assets | 83.6464% | 3,505 |
| Equity capital to assets | 7.9343% | 6,921 |
| Core capital (leverage) ratio | 9.0044% | 4,735 |
| Tier 1 risk-based capital ratio | 12.0327% | 4,800 |
| Total risk-based capital ratio | 13.3078% | 4,660 |
| Memoranda: | ||
| Average total assets | $414,255,800 | 1,644 |
| Average earning assets | $400,154,800 | 1,562 |
| Average equity | $38,662,400 | 1,749 |
| Average total loans | $281,661,200 | 1,712 |