Home > McIntosh Commercial Bank > Performance and Condition Ratios
McIntosh Commercial 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 | 4.7438% | 7,067 |
| Cost of funding earning assets | 3.6583% | 29 |
| Net interest margin | 1.0855% | 7,919 |
| Noninterest income to average assets | -0.2771% | 7,891 |
| Noninterest expense to average assets | 3.0989% | 3,749 |
| Loan and lease loss provision to assets | 0.0590% | 6,973 |
| Net operating income to assets | -2.4300% | 7,243 |
| Return on assets (ROA) | -2.2592% | 7,185 |
| Pretax return on assets | -2.3694% | 7,096 |
| Return on Equity (ROE) | -63.2925% | 7,772 |
| Retained earnings to average equity (ytd only) | -63.2925% | 7,769 |
| Net charge-offs to loans | 1.9832% | 1,239 |
| Credit loss provision to net charge-offs | 4.7629% | 6,992 |
| Earnings coverage of net charge-offs (x) | -2.0117% | 7,001 |
| Efficiency ratio | 509.1659% | 29 |
| Assets per employee ($millions) | 6.1594% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3388% | 1,421 |
| Loan loss allowance to noncurrent loans | 7.2602% | 7,402 |
| Noncurrent assets plus other real estate owned to assets | 32.6795% | 10 |
| Noncurrent loans to loans | 32.2135% | 15 |
| Net loans and leases to total assets | 57.3960% | 5,758 |
| Net loans and leases to deposits | 60.7505% | 6,581 |
| Net loans and leases to core deposits | 81.8802% | 5,921 |
| Total domestic deposits to total assets | 94.4783% | 64 |
| Equity capital to assets | 2.4460% | 7,942 |
| Core capital (leverage) ratio | 2.3383% | 7,942 |
| Tier 1 risk-based capital ratio | 3.3819% | 7,933 |
| Total risk-based capital ratio | 4.6385% | 7,936 |
| Memoranda: | ||
| Average total assets | $378,236,400 | 1,807 |
| Average earning assets | $308,614,600 | 2,017 |
| Average equity | $13,500,800 | 4,385 |
| Average total loans | $236,086,800 | 1,986 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0963% | 6,279 |
| Cost of funding earning assets | 3.7788% | 22 |
| Net interest margin | 1.3174% | 7,977 |
| Noninterest income to average assets | -0.2098% | 7,981 |
| Noninterest expense to average assets | 3.0625% | 3,795 |
| Loan and lease loss provision to assets | 0.0778% | 6,588 |
| Net operating income to assets | -2.2680% | 7,398 |
| Return on assets (ROA) | -2.0306% | 7,329 |
| Pretax return on assets | -2.0306% | 7,196 |
| Return on Equity (ROE) | -52.9271% | 7,854 |
| Retained earnings to average equity (ytd only) | -52.9271% | 7,847 |
| Net charge-offs to loans | 1.4717% | 1,397 |
| Credit loss provision to net charge-offs | 8.3583% | 6,625 |
| Earnings coverage of net charge-offs (x) | -2.3516% | 6,769 |
| Efficiency ratio | 351.0604% | 50 |
| Assets per employee ($millions) | 6.8287% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1742% | 577 |
| Loan loss allowance to noncurrent loans | 11.7697% | 7,415 |
| Noncurrent assets plus other real estate owned to assets | 27.3262% | 13 |
| Noncurrent loans to loans | 26.9690% | 22 |
| Net loans and leases to total assets | 53.0675% | 6,489 |
| Net loans and leases to deposits | 56.3296% | 7,071 |
| Net loans and leases to core deposits | 76.2040% | 6,596 |
| Total domestic deposits to total assets | 94.2089% | 50 |
| Equity capital to assets | 2.8923% | 8,035 |
| Core capital (leverage) ratio | 2.8098% | 8,031 |
| Tier 1 risk-based capital ratio | 4.3027% | 8,019 |
| Total risk-based capital ratio | 5.5729% | 8,024 |
| Memoranda: | ||
| Average total assets | $381,944,250 | 1,803 |
| Average earning assets | $313,738,750 | 2,006 |
| Average equity | $14,653,750 | 4,156 |
| Average total loans | $241,714,750 | 1,957 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2432% | 5,903 |
| Cost of funding earning assets | 3.8130% | 38 |
| Net interest margin | 1.4302% | 8,033 |
| Noninterest income to average assets | -0.4470% | 8,115 |
| Noninterest expense to average assets | 3.1486% | 3,510 |
| Loan and lease loss provision to assets | 0.0779% | 6,409 |
| Net operating income to assets | -2.4915% | 7,555 |
| Return on assets (ROA) | -2.2264% | 7,485 |
| Pretax return on assets | -2.2264% | 7,355 |
| Return on Equity (ROE) | -53.3282% | 7,936 |
| Retained earnings to average equity (ytd only) | -53.3282% | 7,932 |
| Net charge-offs to loans | 1.8441% | 1,024 |
| Credit loss provision to net charge-offs | 6.3672% | 6,208 |
| Earnings coverage of net charge-offs (x) | -1.9734% | 6,348 |
| Efficiency ratio | 428.3745% | 48 |
| Assets per employee ($millions) | 6.5932% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1617% | 494 |
| Loan loss allowance to noncurrent loans | 17.2870% | 7,265 |
| Noncurrent assets plus other real estate owned to assets | 23.1470% | 27 |
| Noncurrent loans to loans | 18.2895% | 72 |
| Net loans and leases to total assets | 57.5248% | 6,032 |
| Net loans and leases to deposits | 61.6511% | 6,760 |
| Net loans and leases to core deposits | 76.1458% | 6,664 |
| Total domestic deposits to total assets | 93.3070% | 83 |
| Equity capital to assets | 3.4411% | 8,111 |
| Core capital (leverage) ratio | 3.5440% | 8,112 |
| Tier 1 risk-based capital ratio | 4.6042% | 8,110 |
| Total risk-based capital ratio | 5.8579% | 8,113 |
| Memoranda: | ||
| Average total assets | $374,962,000 | 1,860 |
| Average earning assets | $309,887,000 | 2,058 |
| Average equity | $15,654,000 | 3,991 |
| Average total loans | $248,682,000 | 1,955 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4069% | 5,392 |
| Cost of funding earning assets | 3.9120% | 40 |
| Net interest margin | 1.4948% | 8,060 |
| Noninterest income to average assets | -0.2381% | 8,171 |
| Noninterest expense to average assets | 2.8352% | 4,401 |
| Loan and lease loss provision to assets | -0.1511% | 8,212 |
| Net operating income to assets | -1.6818% | 7,569 |
| Return on assets (ROA) | -1.7122% | 7,577 |
| Pretax return on assets | -1.7122% | 7,440 |
| Return on Equity (ROE) | -37.5268% | 7,965 |
| Retained earnings to average equity (ytd only) | -37.5268% | 7,938 |
| Net charge-offs to loans | 2.4312% | 588 |
| Credit loss provision to net charge-offs | -8.8818% | 6,137 |
| Earnings coverage of net charge-offs (x) | -1.0773% | 5,380 |
| Efficiency ratio | 282.8633% | 99 |
| Assets per employee ($millions) | 6.2097% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1499% | 428 |
| Loan loss allowance to noncurrent loans | 20.3786% | 7,146 |
| Noncurrent assets plus other real estate owned to assets | 22.9635% | 24 |
| Noncurrent loans to loans | 15.4567% | 92 |
| Net loans and leases to total assets | 65.0408% | 4,803 |
| Net loans and leases to deposits | 70.8168% | 5,891 |
| Net loans and leases to core deposits | 83.0130% | 6,144 |
| Total domestic deposits to total assets | 91.8438% | 203 |
| Equity capital to assets | 4.4777% | 8,144 |
| Core capital (leverage) ratio | 4.3568% | 8,158 |
| Tier 1 risk-based capital ratio | 5.4463% | 8,161 |
| Total risk-based capital ratio | 6.7171% | 8,161 |
| Memoranda: | ||
| Average total assets | $367,942,500 | 1,893 |
| Average earning assets | $305,315,500 | 2,089 |
| Average equity | $16,788,000 | 3,773 |
| Average total loans | $257,484,000 | 1,914 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6891% | 6,809 |
| Cost of funding earning assets | 4.1380% | 62 |
| Net interest margin | 1.5511% | 8,179 |
| Noninterest income to average assets | -0.2570% | 8,234 |
| Noninterest expense to average assets | 2.9250% | 4,357 |
| Loan and lease loss provision to assets | 3.5081% | 225 |
| Net operating income to assets | -5.1585% | 8,096 |
| Return on assets (ROA) | -4.9727% | 8,076 |
| Pretax return on assets | -5.1215% | 8,038 |
| Return on Equity (ROE) | -64.5514% | 8,219 |
| Retained earnings to average equity (ytd only) | -64.5514% | 8,209 |
| Net charge-offs to loans | 2.5942% | 357 |
| Credit loss provision to net charge-offs | 174.1202% | 2,922 |
| Earnings coverage of net charge-offs (x) | -0.8958% | 6,577 |
| Efficiency ratio | 261.1289% | 129 |
| Assets per employee ($millions) | 5.8653% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5155% | 274 |
| Loan loss allowance to noncurrent loans | 21.5035% | 7,166 |
| Noncurrent assets plus other real estate owned to assets | 21.0597% | 23 |
| Noncurrent loans to loans | 16.3484% | 59 |
| Net loans and leases to total assets | 70.2202% | 3,968 |
| Net loans and leases to deposits | 76.8016% | 5,495 |
| Net loans and leases to core deposits | 89.2773% | 5,866 |
| Total domestic deposits to total assets | 91.4306% | 215 |
| Equity capital to assets | 4.6469% | 8,221 |
| Core capital (leverage) ratio | 4.5053% | 8,243 |
| Tier 1 risk-based capital ratio | 5.5413% | 8,251 |
| Total risk-based capital ratio | 6.8173% | 8,251 |
| Memoranda: | ||
| Average total assets | $390,670,600 | 1,736 |
| Average earning assets | $346,854,800 | 1,783 |
| Average equity | $30,095,400 | 2,257 |
| Average total loans | $303,408,800 | 1,594 |