Home > Metropolitan Bank and Trust Company > Performance and Condition Ratios
Metropolitan Bank and Trust Company, Performance and Condition Ratios
| 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 | 5.9323% | 981 |
| Cost of funding earning assets | 0.9435% | 5,963 |
| Net interest margin | 4.9888% | 441 |
| Noninterest income to average assets | 0.3317% | 5,420 |
| Noninterest expense to average assets | 2.8846% | 4,297 |
| Loan and lease loss provision to assets | 4.2517% | 138 |
| Net operating income to assets | -1.4119% | 6,883 |
| Return on assets (ROA) | -1.3813% | 6,884 |
| Pretax return on assets | -2.1538% | 7,078 |
| Return on Equity (ROE) | -15.6545% | 6,942 |
| Retained earnings to average equity (ytd only) | -15.6545% | 6,904 |
| Net charge-offs to loans | 4.3913% | 256 |
| Credit loss provision to net charge-offs | 120.7463% | 3,487 |
| Earnings coverage of net charge-offs (x) | 0.5822% | 5,525 |
| Efficiency ratio | 58.4576% | 6,281 |
| Assets per employee ($millions) | 3.5246% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5530% | 1,341 |
| Loan loss allowance to noncurrent loans | 40.1590% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 6.0514% | 978 |
| Noncurrent loans to loans | 6.3572% | 957 |
| Net loans and leases to total assets | 78.5815% | 865 |
| Net loans and leases to deposits | 87.9411% | 1,799 |
| Net loans and leases to core deposits | 108.1856% | 1,031 |
| Total domestic deposits to total assets | 89.3570% | 1,460 |
| Equity capital to assets | 9.4214% | 4,518 |
| Core capital (leverage) ratio | 9.0493% | 4,453 |
| Tier 1 risk-based capital ratio | 12.6622% | 4,885 |
| Total risk-based capital ratio | 13.9410% | 4,846 |
| Memoranda: | ||
| Average total assets | $323,472,600 | 2,007 |
| Average earning assets | $298,448,400 | 1,992 |
| Average equity | $28,541,400 | 2,276 |
| Average total loans | $259,376,600 | 1,708 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9585% | 1,017 |
| Cost of funding earning assets | 1.0089% | 5,901 |
| Net interest margin | 4.9496% | 486 |
| Noninterest income to average assets | 0.2978% | 5,756 |
| Noninterest expense to average assets | 2.7941% | 4,512 |
| Loan and lease loss provision to assets | 4.0404% | 156 |
| Net operating income to assets | -1.2725% | 7,012 |
| Return on assets (ROA) | -1.2736% | 7,045 |
| Pretax return on assets | -1.9730% | 7,191 |
| Return on Equity (ROE) | -14.6665% | 7,095 |
| Retained earnings to average equity (ytd only) | -14.6665% | 7,067 |
| Net charge-offs to loans | 3.8525% | 328 |
| Credit loss provision to net charge-offs | 130.9681% | 3,082 |
| Earnings coverage of net charge-offs (x) | 0.6707% | 5,375 |
| Efficiency ratio | 57.4548% | 6,352 |
| Assets per employee ($millions) | 3.6681% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4949% | 1,334 |
| Loan loss allowance to noncurrent loans | 35.2688% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 6.1003% | 967 |
| Noncurrent loans to loans | 7.0740% | 786 |
| Net loans and leases to total assets | 76.2648% | 1,356 |
| Net loans and leases to deposits | 84.8692% | 2,544 |
| Net loans and leases to core deposits | 105.8945% | 1,338 |
| Total domestic deposits to total assets | 89.8615% | 948 |
| Equity capital to assets | 8.5015% | 6,274 |
| Core capital (leverage) ratio | 8.4593% | 5,582 |
| Tier 1 risk-based capital ratio | 11.3669% | 6,043 |
| Total risk-based capital ratio | 12.6746% | 5,983 |
| Memoranda: | ||
| Average total assets | $327,680,250 | 2,012 |
| Average earning assets | $302,239,000 | 1,998 |
| Average equity | $28,454,250 | 2,314 |
| Average total loans | $262,401,500 | 1,713 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0696% | 808 |
| Cost of funding earning assets | 1.0761% | 5,803 |
| Net interest margin | 4.9935% | 426 |
| Noninterest income to average assets | 0.1573% | 6,766 |
| Noninterest expense to average assets | 2.7494% | 4,702 |
| Loan and lease loss provision to assets | 4.4882% | 148 |
| Net operating income to assets | -1.6351% | 7,198 |
| Return on assets (ROA) | -1.6331% | 7,206 |
| Pretax return on assets | -2.4864% | 7,364 |
| Return on Equity (ROE) | -18.6790% | 7,246 |
| Retained earnings to average equity (ytd only) | -18.6790% | 7,220 |
| Net charge-offs to loans | 4.6268% | 244 |
| Credit loss provision to net charge-offs | 120.2212% | 3,376 |
| Earnings coverage of net charge-offs (x) | 0.5354% | 5,200 |
| Efficiency ratio | 57.9048% | 6,391 |
| Assets per employee ($millions) | 3.6974% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0094% | 2,150 |
| Loan loss allowance to noncurrent loans | 33.4406% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 5.2109% | 1,215 |
| Noncurrent loans to loans | 6.0089% | 1,063 |
| Net loans and leases to total assets | 78.7408% | 1,003 |
| Net loans and leases to deposits | 87.2715% | 2,296 |
| Net loans and leases to core deposits | 106.8843% | 1,377 |
| Total domestic deposits to total assets | 90.2252% | 811 |
| Equity capital to assets | 8.6395% | 5,957 |
| Core capital (leverage) ratio | 8.5577% | 5,313 |
| Tier 1 risk-based capital ratio | 11.1128% | 6,131 |
| Total risk-based capital ratio | 12.3229% | 6,152 |
| Memoranda: | ||
| Average total assets | $329,310,330 | 2,015 |
| Average earning assets | $302,754,670 | 2,010 |
| Average equity | $28,791,670 | 2,277 |
| Average total loans | $265,710,670 | 1,709 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0396% | 906 |
| Cost of funding earning assets | 1.1479% | 5,669 |
| Net interest margin | 4.8917% | 526 |
| Noninterest income to average assets | 0.3782% | 5,110 |
| Noninterest expense to average assets | 2.6620% | 5,096 |
| Loan and lease loss provision to assets | 6.7121% | 89 |
| Net operating income to assets | -2.9373% | 7,631 |
| Return on assets (ROA) | -2.9334% | 7,625 |
| Pretax return on assets | -4.5076% | 7,725 |
| Return on Equity (ROE) | -33.3606% | 7,606 |
| Retained earnings to average equity (ytd only) | -33.3606% | 7,585 |
| Net charge-offs to loans | 4.1274% | 316 |
| Credit loss provision to net charge-offs | 201.1515% | 1,841 |
| Earnings coverage of net charge-offs (x) | 0.6589% | 4,439 |
| Efficiency ratio | 54.7678% | 6,910 |
| Assets per employee ($millions) | 3.9478% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5404% | 1,245 |
| Loan loss allowance to noncurrent loans | 42.4633% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 6.0088% | 999 |
| Noncurrent loans to loans | 5.9827% | 1,102 |
| Net loans and leases to total assets | 78.2152% | 1,109 |
| Net loans and leases to deposits | 88.6673% | 2,100 |
| Net loans and leases to core deposits | 108.6060% | 1,373 |
| Total domestic deposits to total assets | 88.2120% | 1,940 |
| Equity capital to assets | 8.4857% | 6,019 |
| Core capital (leverage) ratio | 8.3610% | 5,625 |
| Tier 1 risk-based capital ratio | 10.2802% | 6,817 |
| Total risk-based capital ratio | 11.5845% | 6,780 |
| Memoranda: | ||
| Average total assets | $333,129,000 | 2,051 |
| Average earning assets | $305,253,500 | 2,046 |
| Average equity | $29,292,000 | 2,265 |
| Average total loans | $269,325,000 | 1,744 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4536% | 733 |
| Cost of funding earning assets | 1.7508% | 4,247 |
| Net interest margin | 4.7028% | 827 |
| Noninterest income to average assets | 0.4211% | 5,044 |
| Noninterest expense to average assets | 2.5546% | 5,939 |
| Loan and lease loss provision to assets | 3.2536% | 502 |
| Net operating income to assets | -0.5949% | 6,262 |
| Return on assets (ROA) | -0.5858% | 6,254 |
| Pretax return on assets | -1.0012% | 6,408 |
| Return on Equity (ROE) | -6.8258% | 6,376 |
| Retained earnings to average equity (ytd only) | -6.8258% | 6,225 |
| Net charge-offs to loans | 3.5942% | 527 |
| Credit loss provision to net charge-offs | 110.0979% | 5,000 |
| Earnings coverage of net charge-offs (x) | 0.7574% | 5,346 |
| Efficiency ratio | 53.3003% | 7,295 |
| Assets per employee ($millions) | 3.8028% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4502% | 3,975 |
| Loan loss allowance to noncurrent loans | 20.1674% | 7,050 |
| Noncurrent assets plus other real estate owned to assets | 7.0840% | 706 |
| Noncurrent loans to loans | 7.1908% | 756 |
| Net loans and leases to total assets | 80.2538% | 948 |
| Net loans and leases to deposits | 95.9692% | 1,334 |
| Net loans and leases to core deposits | 132.7122% | 1,130 |
| Total domestic deposits to total assets | 83.6246% | 4,219 |
| Equity capital to assets | 9.0975% | 4,991 |
| Core capital (leverage) ratio | 9.1363% | 4,221 |
| Tier 1 risk-based capital ratio | 10.8881% | 6,019 |
| Total risk-based capital ratio | 12.1408% | 5,998 |
| Memoranda: | ||
| Average total assets | $345,495,000 | 1,976 |
| Average earning assets | $321,171,800 | 1,939 |
| Average equity | $29,652,000 | 2,251 |
| Average total loans | $284,068,200 | 1,694 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4969% | 752 |
| Cost of funding earning assets | 1.8745% | 4,018 |
| Net interest margin | 4.6224% | 952 |
| Noninterest income to average assets | 0.4327% | 5,023 |
| Noninterest expense to average assets | 2.5046% | 6,054 |
| Loan and lease loss provision to assets | 2.3288% | 728 |
| Net operating income to assets | 0.0182% | 5,670 |
| Return on assets (ROA) | 0.0287% | 5,695 |
| Pretax return on assets | -0.0816% | 5,819 |
| Return on Equity (ROE) | 0.3395% | 5,675 |
| Retained earnings to average equity (ytd only) | 0.3395% | 5,058 |
| Net charge-offs to loans | 1.6383% | 1,238 |
| Credit loss provision to net charge-offs | 172.4901% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.6523% | 4,553 |
| Efficiency ratio | 52.8908% | 7,338 |
| Assets per employee ($millions) | 3.8680% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9441% | 1,918 |
| Loan loss allowance to noncurrent loans | 27.1108% | 6,657 |
| Noncurrent assets plus other real estate owned to assets | 6.7583% | 727 |
| Noncurrent loans to loans | 7.1711% | 740 |
| Net loans and leases to total assets | 79.3667% | 1,310 |
| Net loans and leases to deposits | 92.7164% | 2,113 |
| Net loans and leases to core deposits | 129.8504% | 1,443 |
| Total domestic deposits to total assets | 85.6016% | 2,917 |
| Equity capital to assets | 8.5298% | 6,214 |
| Core capital (leverage) ratio | 8.7050% | 5,114 |
| Tier 1 risk-based capital ratio | 10.2396% | 6,743 |
| Total risk-based capital ratio | 11.4973% | 6,678 |
| Memoranda: | ||
| Average total assets | $348,208,250 | 1,969 |
| Average earning assets | $324,126,750 | 1,939 |
| Average equity | $29,454,000 | 2,292 |
| Average total loans | $286,956,500 | 1,687 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5435% | 742 |
| Cost of funding earning assets | 1.9805% | 3,869 |
| Net interest margin | 4.5630% | 1,030 |
| Noninterest income to average assets | 0.4026% | 5,262 |
| Noninterest expense to average assets | 2.4081% | 6,436 |
| Loan and lease loss provision to assets | 2.3731% | 666 |
| Net operating income to assets | 0.0076% | 5,816 |
| Return on assets (ROA) | 0.0098% | 5,887 |
| Pretax return on assets | -0.1183% | 6,018 |
| Return on Equity (ROE) | 0.1157% | 5,881 |
| Retained earnings to average equity (ytd only) | 0.1157% | 5,158 |
| Net charge-offs to loans | 1.6205% | 1,168 |
| Credit loss provision to net charge-offs | 176.6567% | 2,591 |
| Earnings coverage of net charge-offs (x) | 1.6759% | 4,292 |
| Efficiency ratio | 51.6825% | 7,537 |
| Assets per employee ($millions) | 3.5567% | 4,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6371% | 2,584 |
| Loan loss allowance to noncurrent loans | 19.3657% | 7,163 |
| Noncurrent assets plus other real estate owned to assets | 7.5793% | 522 |
| Noncurrent loans to loans | 8.4534% | 491 |
| Net loans and leases to total assets | 80.4392% | 1,236 |
| Net loans and leases to deposits | 92.5361% | 2,362 |
| Net loans and leases to core deposits | 128.4493% | 1,681 |
| Total domestic deposits to total assets | 86.9274% | 2,291 |
| Equity capital to assets | 8.3543% | 6,260 |
| Core capital (leverage) ratio | 8.3469% | 5,720 |
| Tier 1 risk-based capital ratio | 10.0491% | 6,873 |
| Total risk-based capital ratio | 11.3034% | 6,791 |
| Memoranda: | ||
| Average total assets | $348,237,000 | 1,985 |
| Average earning assets | $324,870,670 | 1,948 |
| Average equity | $29,374,000 | 2,318 |
| Average total loans | $288,685,000 | 1,712 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9703% | 362 |
| Cost of funding earning assets | 2.1104% | 3,607 |
| Net interest margin | 4.8599% | 541 |
| Noninterest income to average assets | 0.4320% | 4,944 |
| Noninterest expense to average assets | 2.5874% | 5,511 |
| Loan and lease loss provision to assets | 0.8201% | 1,576 |
| Net operating income to assets | 1.0384% | 2,170 |
| Return on assets (ROA) | 1.0407% | 2,294 |
| Pretax return on assets | 1.5686% | 1,485 |
| Return on Equity (ROE) | 12.2783% | 1,578 |
| Retained earnings to average equity (ytd only) | 12.2783% | 745 |
| Net charge-offs to loans | 0.8372% | 1,556 |
| Credit loss provision to net charge-offs | 117.3554% | 3,328 |
| Earnings coverage of net charge-offs (x) | 3.4132% | 3,186 |
| Efficiency ratio | 52.0325% | 7,415 |
| Assets per employee ($millions) | 3.3758% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 5,850 |
| Loan loss allowance to noncurrent loans | 11.2847% | 7,494 |
| Noncurrent assets plus other real estate owned to assets | 8.1879% | 352 |
| Noncurrent loans to loans | 9.2463% | 338 |
| Net loans and leases to total assets | 82.5353% | 924 |
| Net loans and leases to deposits | 95.1560% | 2,086 |
| Net loans and leases to core deposits | 133.2422% | 1,466 |
| Total domestic deposits to total assets | 86.7368% | 2,340 |
| Equity capital to assets | 8.5077% | 6,059 |
| Core capital (leverage) ratio | 8.3658% | 5,779 |
| Tier 1 risk-based capital ratio | 10.9984% | 5,914 |
| Total risk-based capital ratio | 12.1235% | 5,927 |
| Memoranda: | ||
| Average total assets | $346,296,500 | 2,004 |
| Average earning assets | $323,546,000 | 1,962 |
| Average equity | $29,352,500 | 2,323 |
| Average total loans | $289,050,000 | 1,718 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5773% | 353 |
| Cost of funding earning assets | 2.5539% | 3,936 |
| Net interest margin | 5.0235% | 481 |
| Noninterest income to average assets | 0.6137% | 3,751 |
| Noninterest expense to average assets | 3.0343% | 3,954 |
| Loan and lease loss provision to assets | 0.4964% | 2,829 |
| Net operating income to assets | 1.1270% | 2,045 |
| Return on assets (ROA) | 1.1206% | 1,980 |
| Pretax return on assets | 1.7633% | 1,015 |
| Return on Equity (ROE) | 13.0530% | 1,314 |
| Retained earnings to average equity (ytd only) | 4.6272% | 2,246 |
| Net charge-offs to loans | 0.6203% | 1,980 |
| Credit loss provision to net charge-offs | 92.0626% | 5,631 |
| Earnings coverage of net charge-offs (x) | 4.2091% | 4,068 |
| Efficiency ratio | 57.2086% | 6,832 |
| Assets per employee ($millions) | 3.4837% | 4,712 |
| Cash dividends to net income (ytd only)* | 64.5508% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 5,896 |
| Loan loss allowance to noncurrent loans | 13.1092% | 7,448 |
| Noncurrent assets plus other real estate owned to assets | 6.7802% | 394 |
| Noncurrent loans to loans | 7.7343% | 360 |
| Net loans and leases to total assets | 82.6859% | 1,104 |
| Net loans and leases to deposits | 100.8737% | 1,731 |
| Net loans and leases to core deposits | 134.1266% | 1,592 |
| Total domestic deposits to total assets | 81.9697% | 4,213 |
| Equity capital to assets | 8.4442% | 6,179 |
| Core capital (leverage) ratio | 8.6423% | 5,299 |
| Tier 1 risk-based capital ratio | 9.8593% | 6,891 |
| Total risk-based capital ratio | 10.8480% | 7,098 |
| Memoranda: | ||
| Average total assets | $331,772,800 | 2,015 |
| Average earning assets | $309,767,000 | 1,969 |
| Average equity | $28,483,800 | 2,375 |
| Average total loans | $288,398,600 | 1,678 |