Home > MidAmerican Bank and Trust Company > Performance and Condition Ratios
MidAmerican Bank and Trust Company, Performance and Condition Ratios
| 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 | 5.8452% | 2,682 |
| Cost of funding earning assets | 1.3270% | 6,472 |
| Net interest margin | 4.5182% | 1,148 |
| Noninterest income to average assets | 1.7796% | 464 |
| Noninterest expense to average assets | 3.8788% | 1,462 |
| Loan and lease loss provision to assets | 0.2086% | 5,314 |
| Net operating income to assets | 1.4649% | 892 |
| Return on assets (ROA) | 1.5313% | 813 |
| Pretax return on assets | 1.5313% | 1,325 |
| Return on Equity (ROE) | 17.8659% | 471 |
| Retained earnings to average equity (ytd only) | 5.2050% | 2,366 |
| Net charge-offs to loans | 0.2838% | 4,260 |
| Credit loss provision to net charge-offs | 128.1481% | 3,916 |
| Earnings coverage of net charge-offs (x) | 10.2812% | 1,981 |
| Efficiency ratio | 69.8588% | 4,623 |
| Assets per employee ($millions) | 2.8919% | 6,429 |
| Cash dividends to net income (ytd only)* | 70.8662% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3627% | 1,217 |
| Loan loss allowance to noncurrent loans | 126.2153% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 2.7637% | 2,512 |
| Noncurrent loans to loans | 1.8719% | 3,808 |
| Net loans and leases to total assets | 53.2766% | 6,463 |
| Net loans and leases to deposits | 59.3657% | 6,876 |
| Net loans and leases to core deposits | 69.8037% | 6,975 |
| Total domestic deposits to total assets | 89.7431% | 871 |
| Equity capital to assets | 8.8551% | 5,701 |
| Core capital (leverage) ratio | 8.3018% | 5,831 |
| Tier 1 risk-based capital ratio | 12.5395% | 4,509 |
| Total risk-based capital ratio | 13.7984% | 4,455 |
| Memoranda: | ||
| Average total assets | $110,581,500 | 4,840 |
| Average earning assets | $92,336,250 | 5,088 |
| Average equity | $9,477,750 | 5,497 |
| Average total loans | $63,433,750 | 5,152 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9226% | 2,486 |
| Cost of funding earning assets | 1.3879% | 6,523 |
| Net interest margin | 4.5347% | 1,091 |
| Noninterest income to average assets | 2.0811% | 342 |
| Noninterest expense to average assets | 3.8890% | 1,507 |
| Loan and lease loss provision to assets | 0.1784% | 5,264 |
| Net operating income to assets | 1.7190% | 539 |
| Return on assets (ROA) | 1.7242% | 586 |
| Pretax return on assets | 1.8025% | 847 |
| Return on Equity (ROE) | 20.3481% | 317 |
| Retained earnings to average equity (ytd only) | 5.3073% | 2,342 |
| Net charge-offs to loans | 0.0468% | 5,822 |
| Credit loss provision to net charge-offs | 653.3333% | 710 |
| Earnings coverage of net charge-offs (x) | 72.3333% | 526 |
| Efficiency ratio | 66.3148% | 5,494 |
| Assets per employee ($millions) | 2.8255% | 6,566 |
| Cash dividends to net income (ytd only)* | 73.9176% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3439% | 1,054 |
| Loan loss allowance to noncurrent loans | 68.6670% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 2.8976% | 2,206 |
| Noncurrent loans to loans | 3.4135% | 2,065 |
| Net loans and leases to total assets | 56.6750% | 6,128 |
| Net loans and leases to deposits | 63.0011% | 6,654 |
| Net loans and leases to core deposits | 74.3763% | 6,767 |
| Total domestic deposits to total assets | 89.9587% | 855 |
| Equity capital to assets | 8.6047% | 5,889 |
| Core capital (leverage) ratio | 8.2727% | 5,852 |
| Tier 1 risk-based capital ratio | 12.2960% | 4,677 |
| Total risk-based capital ratio | 13.5553% | 4,592 |
| Memoranda: | ||
| Average total assets | $109,847,670 | 4,889 |
| Average earning assets | $91,649,670 | 5,137 |
| Average equity | $9,308,000 | 5,577 |
| Average total loans | $64,064,670 | 5,173 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9787% | 2,448 |
| Cost of funding earning assets | 1.4903% | 6,433 |
| Net interest margin | 4.4884% | 1,152 |
| Noninterest income to average assets | 1.4115% | 705 |
| Noninterest expense to average assets | 3.8076% | 1,453 |
| Loan and lease loss provision to assets | 0.0802% | 5,948 |
| Net operating income to assets | 1.1926% | 1,676 |
| Return on assets (ROA) | 1.1926% | 1,787 |
| Pretax return on assets | 1.2473% | 2,463 |
| Return on Equity (ROE) | 14.1850% | 1,130 |
| Retained earnings to average equity (ytd only) | 1.1712% | 5,169 |
| Net charge-offs to loans | 0.0187% | 5,305 |
| Credit loss provision to net charge-offs | 733.3333% | 825 |
| Earnings coverage of net charge-offs (x) | 121.3333% | 361 |
| Efficiency ratio | 74.1477% | 3,799 |
| Assets per employee ($millions) | 2.8203% | 6,595 |
| Cash dividends to net income (ytd only)* | 91.7431% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2178% | 1,061 |
| Loan loss allowance to noncurrent loans | 74.1986% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 2.6766% | 2,135 |
| Noncurrent loans to loans | 2.9890% | 2,184 |
| Net loans and leases to total assets | 57.5211% | 6,019 |
| Net loans and leases to deposits | 64.6344% | 6,495 |
| Net loans and leases to core deposits | 76.7164% | 6,628 |
| Total domestic deposits to total assets | 88.9946% | 1,232 |
| Equity capital to assets | 8.5180% | 6,045 |
| Core capital (leverage) ratio | 8.1167% | 6,264 |
| Tier 1 risk-based capital ratio | 11.8645% | 5,071 |
| Total risk-based capital ratio | 13.1231% | 4,966 |
| Memoranda: | ||
| Average total assets | $109,674,000 | 4,917 |
| Average earning assets | $90,990,000 | 5,188 |
| Average equity | $9,221,000 | 5,622 |
| Average total loans | $64,121,000 | 5,200 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1430% | 4,811 |
| Cost of funding earning assets | 2.1267% | 5,943 |
| Net interest margin | 4.0163% | 3,043 |
| Noninterest income to average assets | 1.7000% | 472 |
| Noninterest expense to average assets | 3.4654% | 2,484 |
| Loan and lease loss provision to assets | 0.6025% | 2,416 |
| Net operating income to assets | 0.9603% | 2,743 |
| Return on assets (ROA) | 0.9603% | 2,617 |
| Pretax return on assets | 0.9899% | 3,415 |
| Return on Equity (ROE) | 11.4240% | 1,783 |
| Retained earnings to average equity (ytd only) | -3.6160% | 6,246 |
| Net charge-offs to loans | 0.6263% | 1,962 |
| Credit loss provision to net charge-offs | 168.4211% | 3,054 |
| Earnings coverage of net charge-offs (x) | 4.4511% | 3,981 |
| Efficiency ratio | 68.5162% | 4,626 |
| Assets per employee ($millions) | 2.9556% | 6,161 |
| Cash dividends to net income (ytd only)* | 131.6527% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2286% | 921 |
| Loan loss allowance to noncurrent loans | 76.0881% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 2.6290% | 1,817 |
| Noncurrent loans to loans | 2.9289% | 1,837 |
| Net loans and leases to total assets | 56.8075% | 6,349 |
| Net loans and leases to deposits | 63.0166% | 6,877 |
| Net loans and leases to core deposits | 75.7561% | 6,871 |
| Total domestic deposits to total assets | 90.1469% | 595 |
| Equity capital to assets | 8.2967% | 6,428 |
| Core capital (leverage) ratio | 8.0467% | 6,413 |
| Tier 1 risk-based capital ratio | 11.8371% | 4,953 |
| Total risk-based capital ratio | 13.0952% | 4,853 |
| Memoranda: | ||
| Average total assets | $111,531,400 | 4,734 |
| Average earning assets | $93,244,200 | 4,994 |
| Average equity | $9,375,000 | 5,612 |
| Average total loans | $63,705,200 | 5,113 |