Home > Maryland Bank and Trust Company > Performance and Condition Ratios
Maryland Bank and Trust Company, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5782% | 5,039 |
| Cost of funding earning assets | 0.7465% | 5,889 |
| Net interest margin | 3.8318% | 3,458 |
| Noninterest income to average assets | 0.4994% | 3,897 |
| Noninterest expense to average assets | 4.5424% | 573 |
| Loan and lease loss provision to assets | 0.6969% | 1,210 |
| Net operating income to assets | -0.7521% | 6,939 |
| Return on assets (ROA) | -0.7491% | 6,942 |
| Pretax return on assets | -1.2474% | 7,079 |
| Return on Equity (ROE) | -10.6638% | 7,044 |
| Retained earnings to average equity (ytd only) | -10.6638% | 6,895 |
| Net charge-offs to loans | 0.9086% | 1,463 |
| Credit loss provision to net charge-offs | 123.9669% | 2,220 |
| Earnings coverage of net charge-offs (x) | -0.9876% | 4,893 |
| Efficiency ratio | 113.9237% | 428 |
| Assets per employee ($millions) | 3.4594% | 5,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3670% | 677 |
| Loan loss allowance to noncurrent loans | 41.9382% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 6.4127% | 875 |
| Noncurrent loans to loans | 8.0284% | 622 |
| Net loans and leases to total assets | 58.4140% | 4,572 |
| Net loans and leases to deposits | 68.0932% | 4,670 |
| Net loans and leases to core deposits | 71.0799% | 4,920 |
| Total domestic deposits to total assets | 85.7854% | 3,647 |
| Equity capital to assets | 6.8980% | 7,122 |
| Core capital (leverage) ratio | 7.2643% | 6,882 |
| Tier 1 risk-based capital ratio | 12.0050% | 5,688 |
| Total risk-based capital ratio | 13.2817% | 5,656 |
| Memoranda: | ||
| Average total assets | $344,402,000 | 1,907 |
| Average earning assets | $313,483,500 | 1,906 |
| Average equity | $24,194,000 | 2,625 |
| Average total loans | $213,080,500 | 1,986 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2027% | 3,593 |
| Cost of funding earning assets | 1.0573% | 5,382 |
| Net interest margin | 4.1454% | 2,387 |
| Noninterest income to average assets | 0.4793% | 4,321 |
| Noninterest expense to average assets | 4.0709% | 1,064 |
| Loan and lease loss provision to assets | 1.1309% | 1,412 |
| Net operating income to assets | -1.8869% | 7,024 |
| Return on assets (ROA) | -1.5993% | 6,960 |
| Pretax return on assets | -0.7178% | 6,468 |
| Return on Equity (ROE) | -19.0764% | 7,018 |
| Retained earnings to average equity (ytd only) | -19.0764% | 6,994 |
| Net charge-offs to loans | 1.4181% | 1,571 |
| Credit loss provision to net charge-offs | 122.9329% | 3,390 |
| Earnings coverage of net charge-offs (x) | 0.1363% | 5,984 |
| Efficiency ratio | 97.0109% | 920 |
| Assets per employee ($millions) | 3.3288% | 5,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1911% | 739 |
| Loan loss allowance to noncurrent loans | 49.0788% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 5.5868% | 1,102 |
| Noncurrent loans to loans | 6.5020% | 924 |
| Net loans and leases to total assets | 61.2828% | 4,443 |
| Net loans and leases to deposits | 71.6669% | 4,573 |
| Net loans and leases to core deposits | 75.0980% | 4,840 |
| Total domestic deposits to total assets | 85.5105% | 3,594 |
| Equity capital to assets | 7.1530% | 7,062 |
| Core capital (leverage) ratio | 7.4002% | 6,785 |
| Tier 1 risk-based capital ratio | 12.0075% | 5,465 |
| Total risk-based capital ratio | 13.2823% | 5,426 |
| Memoranda: | ||
| Average total assets | $348,402,200 | 1,874 |
| Average earning assets | $312,395,000 | 1,901 |
| Average equity | $29,208,800 | 2,229 |
| Average total loans | $226,013,000 | 1,930 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2940% | 3,380 |
| Cost of funding earning assets | 1.1348% | 5,226 |
| Net interest margin | 4.1591% | 2,367 |
| Noninterest income to average assets | 0.5375% | 3,889 |
| Noninterest expense to average assets | 3.9307% | 1,160 |
| Loan and lease loss provision to assets | 1.2003% | 1,193 |
| Net operating income to assets | -0.5005% | 6,588 |
| Return on assets (ROA) | -0.3107% | 6,482 |
| Pretax return on assets | -0.5809% | 6,605 |
| Return on Equity (ROE) | -3.5769% | 6,542 |
| Retained earnings to average equity (ytd only) | -3.5769% | 6,416 |
| Net charge-offs to loans | 1.2635% | 1,612 |
| Credit loss provision to net charge-offs | 145.5848% | 2,697 |
| Earnings coverage of net charge-offs (x) | 0.3916% | 5,634 |
| Efficiency ratio | 92.4097% | 1,090 |
| Assets per employee ($millions) | 3.3005% | 5,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1901% | 701 |
| Loan loss allowance to noncurrent loans | 58.9438% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 5.2948% | 1,177 |
| Noncurrent loans to loans | 5.4122% | 1,240 |
| Net loans and leases to total assets | 62.8474% | 4,360 |
| Net loans and leases to deposits | 74.7852% | 4,383 |
| Net loans and leases to core deposits | 78.4012% | 4,753 |
| Total domestic deposits to total assets | 84.0372% | 4,112 |
| Equity capital to assets | 8.7569% | 5,920 |
| Core capital (leverage) ratio | 8.6582% | 5,261 |
| Tier 1 risk-based capital ratio | 13.6037% | 4,115 |
| Total risk-based capital ratio | 14.8781% | 4,053 |
| Memoranda: | ||
| Average total assets | $349,787,000 | 1,897 |
| Average earning assets | $312,524,500 | 1,929 |
| Average equity | $30,379,750 | 2,170 |
| Average total loans | $228,255,750 | 1,934 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3290% | 3,324 |
| Cost of funding earning assets | 1.2461% | 4,854 |
| Net interest margin | 4.0829% | 2,638 |
| Noninterest income to average assets | 0.5449% | 3,750 |
| Noninterest expense to average assets | 3.9189% | 1,157 |
| Loan and lease loss provision to assets | 1.3880% | 968 |
| Net operating income to assets | -0.6493% | 6,776 |
| Return on assets (ROA) | -0.5541% | 6,734 |
| Pretax return on assets | -0.9656% | 6,872 |
| Return on Equity (ROE) | -6.3967% | 6,794 |
| Retained earnings to average equity (ytd only) | -6.3967% | 6,684 |
| Net charge-offs to loans | 1.8068% | 1,032 |
| Credit loss provision to net charge-offs | 117.5193% | 3,457 |
| Earnings coverage of net charge-offs (x) | 0.2317% | 5,496 |
| Efficiency ratio | 93.4738% | 1,094 |
| Assets per employee ($millions) | 3.2836% | 5,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8883% | 926 |
| Loan loss allowance to noncurrent loans | 55.8834% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 5.3381% | 1,174 |
| Noncurrent loans to loans | 5.1684% | 1,324 |
| Net loans and leases to total assets | 63.3118% | 4,390 |
| Net loans and leases to deposits | 74.2070% | 4,645 |
| Net loans and leases to core deposits | 77.8771% | 4,970 |
| Total domestic deposits to total assets | 85.3179% | 3,458 |
| Equity capital to assets | 8.7254% | 5,848 |
| Core capital (leverage) ratio | 8.4969% | 5,412 |
| Tier 1 risk-based capital ratio | 13.2193% | 4,274 |
| Total risk-based capital ratio | 14.4896% | 4,216 |
| Memoranda: | ||
| Average total assets | $350,866,330 | 1,906 |
| Average earning assets | $313,453,330 | 1,943 |
| Average equity | $30,390,670 | 2,165 |
| Average total loans | $229,349,670 | 1,945 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3525% | 3,284 |
| Cost of funding earning assets | 1.3150% | 4,725 |
| Net interest margin | 4.0375% | 2,710 |
| Noninterest income to average assets | 0.5269% | 3,840 |
| Noninterest expense to average assets | 3.7244% | 1,468 |
| Loan and lease loss provision to assets | 2.1007% | 525 |
| Net operating income to assets | -0.9991% | 7,105 |
| Return on assets (ROA) | -0.9788% | 7,120 |
| Pretax return on assets | -1.6442% | 7,300 |
| Return on Equity (ROE) | -11.3417% | 7,185 |
| Retained earnings to average equity (ytd only) | -11.3417% | 7,034 |
| Net charge-offs to loans | 3.1540% | 474 |
| Credit loss provision to net charge-offs | 101.7602% | 3,342 |
| Earnings coverage of net charge-offs (x) | 0.2057% | 4,857 |
| Efficiency ratio | 89.7646% | 1,450 |
| Assets per employee ($millions) | 3.2588% | 5,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7206% | 1,064 |
| Loan loss allowance to noncurrent loans | 83.2174% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 4.1156% | 1,664 |
| Noncurrent loans to loans | 3.2693% | 2,439 |
| Net loans and leases to total assets | 62.6431% | 4,630 |
| Net loans and leases to deposits | 73.2830% | 4,860 |
| Net loans and leases to core deposits | 78.1191% | 5,008 |
| Total domestic deposits to total assets | 85.4811% | 3,424 |
| Equity capital to assets | 8.5266% | 5,972 |
| Core capital (leverage) ratio | 8.6282% | 5,157 |
| Tier 1 risk-based capital ratio | 12.8659% | 4,427 |
| Total risk-based capital ratio | 14.1335% | 4,391 |
| Memoranda: | ||
| Average total assets | $352,268,000 | 1,944 |
| Average earning assets | $316,040,500 | 1,973 |
| Average equity | $30,401,000 | 2,196 |
| Average total loans | $230,565,000 | 1,995 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5037% | 4,124 |
| Cost of funding earning assets | 1.6250% | 4,912 |
| Net interest margin | 3.8787% | 3,354 |
| Noninterest income to average assets | 0.5911% | 3,692 |
| Noninterest expense to average assets | 4.0421% | 1,306 |
| Loan and lease loss provision to assets | 1.7124% | 1,332 |
| Net operating income to assets | -1.2514% | 6,738 |
| Return on assets (ROA) | -1.1249% | 6,669 |
| Pretax return on assets | -1.4765% | 6,688 |
| Return on Equity (ROE) | -12.6006% | 6,806 |
| Retained earnings to average equity (ytd only) | -12.6006% | 6,730 |
| Net charge-offs to loans | 0.9360% | 2,523 |
| Credit loss provision to net charge-offs | 274.1296% | 1,253 |
| Earnings coverage of net charge-offs (x) | 0.1112% | 6,046 |
| Efficiency ratio | 98.3103% | 1,194 |
| Assets per employee ($millions) | 3.1471% | 5,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6640% | 1,053 |
| Loan loss allowance to noncurrent loans | 67.3301% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 3.1872% | 2,161 |
| Noncurrent loans to loans | 3.9566% | 1,869 |
| Net loans and leases to total assets | 64.7537% | 4,430 |
| Net loans and leases to deposits | 75.8880% | 4,759 |
| Net loans and leases to core deposits | 93.3936% | 4,742 |
| Total domestic deposits to total assets | 85.3279% | 3,398 |
| Equity capital to assets | 8.7353% | 5,543 |
| Core capital (leverage) ratio | 8.8385% | 4,704 |
| Tier 1 risk-based capital ratio | 13.1007% | 4,082 |
| Total risk-based capital ratio | 14.3683% | 4,015 |
| Memoranda: | ||
| Average total assets | $331,063,000 | 2,047 |
| Average earning assets | $300,489,200 | 2,069 |
| Average equity | $29,554,200 | 2,260 |
| Average total loans | $220,933,800 | 2,097 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5164% | 4,336 |
| Cost of funding earning assets | 1.6916% | 4,947 |
| Net interest margin | 3.8248% | 3,551 |
| Noninterest income to average assets | 0.5913% | 3,773 |
| Noninterest expense to average assets | 4.0755% | 1,178 |
| Loan and lease loss provision to assets | 1.3476% | 1,433 |
| Net operating income to assets | -0.7859% | 6,679 |
| Return on assets (ROA) | -0.7093% | 6,630 |
| Pretax return on assets | -1.2394% | 6,831 |
| Return on Equity (ROE) | -7.9005% | 6,720 |
| Retained earnings to average equity (ytd only) | -7.9005% | 6,590 |
| Net charge-offs to loans | 0.9642% | 2,048 |
| Credit loss provision to net charge-offs | 209.2581% | 2,111 |
| Earnings coverage of net charge-offs (x) | -0.0178% | 6,088 |
| Efficiency ratio | 100.2814% | 1,049 |
| Assets per employee ($millions) | 2.8218% | 6,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8843% | 2,073 |
| Loan loss allowance to noncurrent loans | 48.4280% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 3.1525% | 2,164 |
| Noncurrent loans to loans | 3.8909% | 1,897 |
| Net loans and leases to total assets | 66.3227% | 4,349 |
| Net loans and leases to deposits | 78.0671% | 4,728 |
| Net loans and leases to core deposits | 96.7730% | 4,730 |
| Total domestic deposits to total assets | 84.9560% | 3,259 |
| Equity capital to assets | 8.7874% | 5,819 |
| Core capital (leverage) ratio | 8.8671% | 4,871 |
| Tier 1 risk-based capital ratio | 12.7620% | 4,344 |
| Total risk-based capital ratio | 14.0193% | 4,283 |
| Memoranda: | ||
| Average total assets | $326,496,250 | 2,092 |
| Average earning assets | $296,442,750 | 2,113 |
| Average equity | $29,314,000 | 2,300 |
| Average total loans | $218,068,500 | 2,146 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4601% | 4,846 |
| Cost of funding earning assets | 1.7501% | 5,013 |
| Net interest margin | 3.7100% | 3,911 |
| Noninterest income to average assets | 0.5867% | 3,796 |
| Noninterest expense to average assets | 3.9646% | 1,379 |
| Loan and lease loss provision to assets | 0.2828% | 4,315 |
| Net operating income to assets | -0.1134% | 6,036 |
| Return on assets (ROA) | -0.0968% | 6,052 |
| Pretax return on assets | -0.2673% | 6,200 |
| Return on Equity (ROE) | -1.0697% | 6,080 |
| Retained earnings to average equity (ytd only) | -1.0697% | 5,503 |
| Net charge-offs to loans | 0.4159% | 3,134 |
| Credit loss provision to net charge-offs | 102.2422% | 4,477 |
| Earnings coverage of net charge-offs (x) | -0.0381% | 5,730 |
| Efficiency ratio | 100.2667% | 1,161 |
| Assets per employee ($millions) | 2.6625% | 6,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 4,917 |
| Loan loss allowance to noncurrent loans | 31.4770% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 3.0008% | 2,116 |
| Noncurrent loans to loans | 3.8205% | 1,788 |
| Net loans and leases to total assets | 63.6719% | 5,049 |
| Net loans and leases to deposits | 74.9125% | 5,333 |
| Net loans and leases to core deposits | 92.2325% | 5,323 |
| Total domestic deposits to total assets | 84.9951% | 3,260 |
| Equity capital to assets | 8.9011% | 5,451 |
| Core capital (leverage) ratio | 9.1911% | 4,319 |
| Tier 1 risk-based capital ratio | 13.6087% | 3,753 |
| Total risk-based capital ratio | 14.7666% | 3,742 |
| Memoranda: | ||
| Average total assets | $322,455,000 | 2,138 |
| Average earning assets | $292,671,000 | 2,151 |
| Average equity | $29,166,670 | 2,326 |
| Average total loans | $214,459,670 | 2,204 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5590% | 4,590 |
| Cost of funding earning assets | 1.7645% | 5,292 |
| Net interest margin | 3.7945% | 3,465 |
| Noninterest income to average assets | 0.6191% | 3,417 |
| Noninterest expense to average assets | 3.9640% | 1,226 |
| Loan and lease loss provision to assets | 0.2925% | 3,614 |
| Net operating income to assets | -0.0500% | 6,336 |
| Return on assets (ROA) | -0.0443% | 6,450 |
| Pretax return on assets | -0.1899% | 6,564 |
| Return on Equity (ROE) | -0.4858% | 6,465 |
| Retained earnings to average equity (ytd only) | -0.4858% | 5,759 |
| Net charge-offs to loans | 0.4120% | 2,454 |
| Credit loss provision to net charge-offs | 105.0000% | 3,611 |
| Earnings coverage of net charge-offs (x) | 0.3364% | 4,704 |
| Efficiency ratio | 97.6911% | 1,229 |
| Assets per employee ($millions) | 2.5860% | 7,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 4,616 |
| Loan loss allowance to noncurrent loans | 42.1053% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 2.4442% | 2,346 |
| Noncurrent loans to loans | 2.9116% | 2,246 |
| Net loans and leases to total assets | 64.8033% | 4,842 |
| Net loans and leases to deposits | 75.5752% | 5,280 |
| Net loans and leases to core deposits | 94.2661% | 5,132 |
| Total domestic deposits to total assets | 85.7469% | 2,852 |
| Equity capital to assets | 8.9372% | 5,424 |
| Core capital (leverage) ratio | 9.4054% | 4,096 |
| Tier 1 risk-based capital ratio | 13.4163% | 3,921 |
| Total risk-based capital ratio | 14.6036% | 3,873 |
| Memoranda: | ||
| Average total assets | $315,944,500 | 2,178 |
| Average earning assets | $286,308,500 | 2,205 |
| Average equity | $28,819,500 | 2,359 |
| Average total loans | $213,587,500 | 2,236 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0485% | 5,307 |
| Cost of funding earning assets | 1.6757% | 7,315 |
| Net interest margin | 4.3728% | 1,765 |
| Noninterest income to average assets | 0.6671% | 3,355 |
| Noninterest expense to average assets | 4.2647% | 1,084 |
| Loan and lease loss provision to assets | 0.3344% | 3,710 |
| Net operating income to assets | 0.0790% | 6,161 |
| Return on assets (ROA) | 0.1164% | 5,906 |
| Pretax return on assets | 0.0337% | 6,089 |
| Return on Equity (ROE) | 1.1822% | 5,862 |
| Retained earnings to average equity (ytd only) | 1.1822% | 4,524 |
| Net charge-offs to loans | 0.5140% | 2,301 |
| Credit loss provision to net charge-offs | 97.8282% | 5,451 |
| Earnings coverage of net charge-offs (x) | 0.9674% | 5,645 |
| Efficiency ratio | 92.8036% | 1,337 |
| Assets per employee ($millions) | 2.4691% | 7,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 4,498 |
| Loan loss allowance to noncurrent loans | 38.4102% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 2.7440% | 1,721 |
| Noncurrent loans to loans | 3.1349% | 1,686 |
| Net loans and leases to total assets | 68.8534% | 4,288 |
| Net loans and leases to deposits | 80.5917% | 4,945 |
| Net loans and leases to core deposits | 98.9283% | 4,936 |
| Total domestic deposits to total assets | 85.4349% | 2,649 |
| Equity capital to assets | 9.3149% | 4,919 |
| Core capital (leverage) ratio | 9.8191% | 3,624 |
| Tier 1 risk-based capital ratio | 13.7600% | 3,667 |
| Total risk-based capital ratio | 14.9717% | 3,603 |
| Memoranda: | ||
| Average total assets | $296,336,600 | 2,224 |
| Average earning assets | $266,216,800 | 2,248 |
| Average equity | $29,182,000 | 2,319 |
| Average total loans | $197,062,600 | 2,328 |