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Marshall Bank, Performance and Condition Ratios
| 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 | 4.4576% | 7,418 |
| Cost of funding earning assets | 1.3661% | 6,070 |
| Net interest margin | 3.0915% | 6,393 |
| Noninterest income to average assets | 0.6590% | 3,228 |
| Noninterest expense to average assets | 5.2119% | 456 |
| Loan and lease loss provision to assets | 7.2806% | 57 |
| Net operating income to assets | -9.0727% | 7,960 |
| Return on assets (ROA) | -9.0727% | 7,960 |
| Pretax return on assets | -9.0727% | 7,948 |
| Return on Equity (ROE) | -110.0103% | 7,956 |
| Retained earnings to average equity (ytd only) | -110.0103% | 7,956 |
| Net charge-offs to loans | 14.1394% | 11 |
| Credit loss provision to net charge-offs | 75.1550% | 6,390 |
| Earnings coverage of net charge-offs (x) | -0.1850% | 6,427 |
| Efficiency ratio | 152.4030% | 301 |
| Assets per employee ($millions) | 4.5051% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2929% | 141 |
| Loan loss allowance to noncurrent loans | 38.8727% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 8.9011% | 452 |
| Noncurrent loans to loans | 13.6159% | 219 |
| Net loans and leases to total assets | 61.3189% | 5,138 |
| Net loans and leases to deposits | 64.5180% | 6,211 |
| Net loans and leases to core deposits | 69.8324% | 6,785 |
| Total domestic deposits to total assets | 95.0415% | 52 |
| Equity capital to assets | 3.8743% | 7,868 |
| Core capital (leverage) ratio | 0.0156% | 7,999 |
| Tier 1 risk-based capital ratio | 0.0213% | 7,999 |
| Total risk-based capital ratio | 0.0427% | 7,999 |
| Memoranda: | ||
| Average total assets | $63,277,800 | 6,227 |
| Average earning assets | $56,509,800 | 6,273 |
| Average equity | $5,218,600 | 6,865 |
| Average total loans | $43,354,000 | 5,967 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5458% | 7,460 |
| Cost of funding earning assets | 1.4390% | 6,086 |
| Net interest margin | 3.1068% | 6,300 |
| Noninterest income to average assets | 0.6412% | 3,411 |
| Noninterest expense to average assets | 5.1548% | 439 |
| Loan and lease loss provision to assets | 6.1084% | 102 |
| Net operating income to assets | -7.8398% | 8,005 |
| Return on assets (ROA) | -7.8398% | 8,005 |
| Pretax return on assets | -7.8398% | 7,993 |
| Return on Equity (ROE) | -84.8423% | 7,975 |
| Retained earnings to average equity (ytd only) | -84.8423% | 7,974 |
| Net charge-offs to loans | 14.4802% | 18 |
| Credit loss provision to net charge-offs | 60.8114% | 6,158 |
| Earnings coverage of net charge-offs (x) | -0.1724% | 6,261 |
| Efficiency ratio | 150.5740% | 314 |
| Assets per employee ($millions) | 4.2751% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0706% | 283 |
| Loan loss allowance to noncurrent loans | 43.3289% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 6.3573% | 807 |
| Noncurrent loans to loans | 9.3945% | 451 |
| Net loans and leases to total assets | 64.0630% | 4,859 |
| Net loans and leases to deposits | 70.0457% | 5,912 |
| Net loans and leases to core deposits | 74.2549% | 6,716 |
| Total domestic deposits to total assets | 91.4589% | 269 |
| Equity capital to assets | 7.2362% | 7,462 |
| Core capital (leverage) ratio | 3.3640% | 8,017 |
| Tier 1 risk-based capital ratio | 4.2701% | 8,020 |
| Total risk-based capital ratio | 5.5483% | 8,025 |
| Memoranda: | ||
| Average total assets | $64,455,750 | 6,231 |
| Average earning assets | $57,722,250 | 6,273 |
| Average equity | $5,956,000 | 6,675 |
| Average total loans | $44,712,750 | 5,938 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4733% | 7,642 |
| Cost of funding earning assets | 1.4934% | 6,167 |
| Net interest margin | 2.9800% | 6,610 |
| Noninterest income to average assets | 0.4819% | 4,610 |
| Noninterest expense to average assets | 5.4553% | 390 |
| Loan and lease loss provision to assets | 8.9498% | 48 |
| Net operating income to assets | -11.2441% | 8,145 |
| Return on assets (ROA) | -11.2441% | 8,138 |
| Pretax return on assets | -11.2441% | 8,128 |
| Return on Equity (ROE) | -114.1948% | 8,094 |
| Retained earnings to average equity (ytd only) | -114.1948% | 8,093 |
| Net charge-offs to loans | 20.7890% | 10 |
| Credit loss provision to net charge-offs | 61.3674% | 5,571 |
| Earnings coverage of net charge-offs (x) | -0.1573% | 5,848 |
| Efficiency ratio | 172.5791% | 274 |
| Assets per employee ($millions) | 4.7811% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1068% | 237 |
| Loan loss allowance to noncurrent loans | 69.2786% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 3.8807% | 1,554 |
| Noncurrent loans to loans | 5.9279% | 928 |
| Net loans and leases to total assets | 62.7763% | 5,220 |
| Net loans and leases to deposits | 68.0764% | 6,179 |
| Net loans and leases to core deposits | 72.9991% | 6,844 |
| Total domestic deposits to total assets | 92.2145% | 178 |
| Equity capital to assets | 6.7622% | 7,727 |
| Core capital (leverage) ratio | 3.1870% | 8,118 |
| Tier 1 risk-based capital ratio | 4.3893% | 8,117 |
| Total risk-based capital ratio | 5.6683% | 8,119 |
| Memoranda: | ||
| Average total assets | $65,990,330 | 6,225 |
| Average earning assets | $59,329,330 | 6,262 |
| Average equity | $6,497,670 | 6,533 |
| Average total loans | $46,293,670 | 5,923 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3707% | 7,816 |
| Cost of funding earning assets | 1.5787% | 6,120 |
| Net interest margin | 2.7920% | 7,008 |
| Noninterest income to average assets | 0.8129% | 2,266 |
| Noninterest expense to average assets | 4.4236% | 769 |
| Loan and lease loss provision to assets | 2.0086% | 600 |
| Net operating income to assets | -3.0983% | 7,860 |
| Return on assets (ROA) | -3.0983% | 7,861 |
| Pretax return on assets | -3.0983% | 7,776 |
| Return on Equity (ROE) | -27.5213% | 7,877 |
| Retained earnings to average equity (ytd only) | -27.5213% | 7,821 |
| Net charge-offs to loans | 21.8103% | 13 |
| Credit loss provision to net charge-offs | 12.7381% | 5,169 |
| Earnings coverage of net charge-offs (x) | -0.0691% | 5,042 |
| Efficiency ratio | 132.6855% | 481 |
| Assets per employee ($millions) | 4.3885% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6429% | 656 |
| Loan loss allowance to noncurrent loans | 33.9301% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 5.6875% | 732 |
| Noncurrent loans to loans | 7.7894% | 467 |
| Net loans and leases to total assets | 66.8150% | 4,383 |
| Net loans and leases to deposits | 76.3554% | 5,168 |
| Net loans and leases to core deposits | 81.9921% | 6,239 |
| Total domestic deposits to total assets | 87.5053% | 1,966 |
| Equity capital to assets | 11.2672% | 2,752 |
| Core capital (leverage) ratio | 7.9135% | 6,593 |
| Tier 1 risk-based capital ratio | 9.8966% | 7,042 |
| Total risk-based capital ratio | 11.1599% | 6,920 |
| Memoranda: | ||
| Average total assets | $67,908,500 | 6,180 |
| Average earning assets | $61,317,000 | 6,200 |
| Average equity | $7,645,000 | 6,174 |
| Average total loans | $49,096,000 | 5,839 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8903% | 6,085 |
| Cost of funding earning assets | 2.1252% | 5,949 |
| Net interest margin | 3.7652% | 4,160 |
| Noninterest income to average assets | 0.5920% | 3,897 |
| Noninterest expense to average assets | 4.9310% | 644 |
| Loan and lease loss provision to assets | 5.6769% | 71 |
| Net operating income to assets | -6.6360% | 8,182 |
| Return on assets (ROA) | -6.6360% | 8,177 |
| Pretax return on assets | -6.6360% | 8,142 |
| Return on Equity (ROE) | -44.6237% | 8,114 |
| Retained earnings to average equity (ytd only) | -49.9319% | 8,136 |
| Net charge-offs to loans | 5.2478% | 91 |
| Credit loss provision to net charge-offs | 153.7228% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.2597% | 6,398 |
| Efficiency ratio | 124.1471% | 530 |
| Assets per employee ($millions) | 4.3743% | 2,836 |
| Cash dividends to net income (ytd only)* | -11.8953% | 7,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6585% | 38 |
| Loan loss allowance to noncurrent loans | 89.1865% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 6.0195% | 492 |
| Noncurrent loans to loans | 7.4658% | 385 |
| Net loans and leases to total assets | 70.7040% | 3,854 |
| Net loans and leases to deposits | 85.2690% | 4,214 |
| Net loans and leases to core deposits | 90.4249% | 5,765 |
| Total domestic deposits to total assets | 82.9187% | 3,804 |
| Equity capital to assets | 11.2489% | 2,844 |
| Core capital (leverage) ratio | 8.2792% | 5,996 |
| Tier 1 risk-based capital ratio | 9.7688% | 6,988 |
| Total risk-based capital ratio | 11.0768% | 6,813 |
| Memoranda: | ||
| Average total assets | $76,009,400 | 5,833 |
| Average earning assets | $68,230,400 | 5,885 |
| Average equity | $11,303,400 | 5,039 |
| Average total loans | $53,489,400 | 5,547 |