Home > Midwest Bank and Trust Company > Performance and Condition Ratios
Midwest Bank and Trust Company, Performance and Condition Ratios
| 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 | 3.9882% | 7,465 |
| Cost of funding earning assets | 1.9236% | 1,358 |
| Net interest margin | 2.0646% | 7,701 |
| Noninterest income to average assets | 0.2770% | 5,933 |
| Noninterest expense to average assets | 5.3295% | 294 |
| Loan and lease loss provision to assets | 9.2490% | 39 |
| Net operating income to assets | -12.8960% | 7,915 |
| Return on assets (ROA) | -12.8960% | 7,915 |
| Pretax return on assets | -12.3765% | 7,914 |
| Return on Equity (ROE) | -312.0190% | 7,907 |
| Retained earnings to average equity (ytd only) | -312.0190% | 7,907 |
| Net charge-offs to loans | 11.1555% | 38 |
| Credit loss provision to net charge-offs | 121.4659% | 2,879 |
| Earnings coverage of net charge-offs (x) | -0.4107% | 5,252 |
| Efficiency ratio | 123.3678% | 406 |
| Assets per employee ($millions) | 7.7577% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5135% | 77 |
| Loan loss allowance to noncurrent loans | 51.1714% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 9.6053% | 425 |
| Noncurrent loans to loans | 12.7288% | 259 |
| Net loans and leases to total assets | 64.3621% | 4,250 |
| Net loans and leases to deposits | 84.3609% | 2,877 |
| Net loans and leases to core deposits | 106.2613% | 1,557 |
| Total domestic deposits to total assets | 76.2938% | 6,705 |
| Equity capital to assets | 2.6935% | 7,863 |
| Core capital (leverage) ratio | 1.0053% | 7,907 |
| Tier 1 risk-based capital ratio | 1.5430% | 7,905 |
| Total risk-based capital ratio | 2.8609% | 7,904 |
| Memoranda: | ||
| Average total assets | $3,299,805,500 | 235 |
| Average earning assets | $3,076,789,500 | 227 |
| Average equity | $136,384,000 | 498 |
| Average total loans | $2,252,379,500 | 227 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6648% | 7,192 |
| Cost of funding earning assets | 2.3085% | 1,617 |
| Net interest margin | 2.3563% | 7,535 |
| Noninterest income to average assets | 0.2101% | 6,603 |
| Noninterest expense to average assets | 2.8639% | 4,685 |
| Loan and lease loss provision to assets | 4.7193% | 230 |
| Net operating income to assets | -6.6157% | 7,871 |
| Return on assets (ROA) | -6.5015% | 7,858 |
| Pretax return on assets | -5.1196% | 7,720 |
| Return on Equity (ROE) | -77.6438% | 7,850 |
| Retained earnings to average equity (ytd only) | -77.6438% | 7,847 |
| Net charge-offs to loans | 3.3508% | 596 |
| Credit loss provision to net charge-offs | 201.2432% | 1,937 |
| Earnings coverage of net charge-offs (x) | -0.2194% | 6,471 |
| Efficiency ratio | 102.3812% | 999 |
| Assets per employee ($millions) | 8.2971% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5510% | 125 |
| Loan loss allowance to noncurrent loans | 47.0377% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 8.7764% | 464 |
| Noncurrent loans to loans | 11.8011% | 292 |
| Net loans and leases to total assets | 63.9543% | 4,611 |
| Net loans and leases to deposits | 85.1561% | 3,054 |
| Net loans and leases to core deposits | 101.4463% | 3,853 |
| Total domestic deposits to total assets | 75.1024% | 6,846 |
| Equity capital to assets | 5.4661% | 7,741 |
| Core capital (leverage) ratio | 3.4058% | 7,883 |
| Tier 1 risk-based capital ratio | 5.1016% | 7,862 |
| Total risk-based capital ratio | 6.4062% | 7,863 |
| Memoranda: | ||
| Average total assets | $3,553,493,600 | 223 |
| Average earning assets | $3,226,392,000 | 219 |
| Average equity | $297,551,000 | 253 |
| Average total loans | $2,486,896,800 | 216 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 6,974 |
| Cost of funding earning assets | 2.3989% | 1,637 |
| Net interest margin | 2.4652% | 7,496 |
| Noninterest income to average assets | 0.2671% | 6,325 |
| Noninterest expense to average assets | 2.4309% | 6,307 |
| Loan and lease loss provision to assets | 2.5921% | 629 |
| Net operating income to assets | -4.3641% | 7,784 |
| Return on assets (ROA) | -4.2192% | 7,774 |
| Pretax return on assets | -2.3859% | 7,309 |
| Return on Equity (ROE) | -46.5280% | 7,805 |
| Retained earnings to average equity (ytd only) | -46.5280% | 7,799 |
| Net charge-offs to loans | 1.6149% | 1,263 |
| Credit loss provision to net charge-offs | 227.5844% | 1,915 |
| Earnings coverage of net charge-offs (x) | 0.0538% | 5,995 |
| Efficiency ratio | 94.9743% | 1,334 |
| Assets per employee ($millions) | 8.4962% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4027% | 461 |
| Loan loss allowance to noncurrent loans | 43.0716% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 6.0790% | 876 |
| Noncurrent loans to loans | 7.9001% | 622 |
| Net loans and leases to total assets | 67.0720% | 4,168 |
| Net loans and leases to deposits | 92.6461% | 2,126 |
| Net loans and leases to core deposits | 111.5801% | 3,060 |
| Total domestic deposits to total assets | 72.3959% | 7,163 |
| Equity capital to assets | 8.7466% | 5,884 |
| Core capital (leverage) ratio | 6.2351% | 7,755 |
| Tier 1 risk-based capital ratio | 8.8771% | 7,662 |
| Total risk-based capital ratio | 10.1743% | 7,670 |
| Memoranda: | ||
| Average total assets | $3,585,193,000 | 232 |
| Average earning assets | $3,236,125,250 | 228 |
| Average equity | $325,112,000 | 245 |
| Average total loans | $2,528,541,250 | 224 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1489% | 6,256 |
| Cost of funding earning assets | 2.4799% | 1,684 |
| Net interest margin | 2.6690% | 7,271 |
| Noninterest income to average assets | 0.3801% | 5,466 |
| Noninterest expense to average assets | 2.5115% | 6,085 |
| Loan and lease loss provision to assets | 1.8323% | 898 |
| Net operating income to assets | -4.2637% | 7,864 |
| Return on assets (ROA) | -4.0687% | 7,839 |
| Pretax return on assets | -1.3821% | 7,023 |
| Return on Equity (ROE) | -44.3535% | 7,878 |
| Retained earnings to average equity (ytd only) | -44.3535% | 7,865 |
| Net charge-offs to loans | 1.0605% | 1,700 |
| Credit loss provision to net charge-offs | 243.7403% | 1,907 |
| Earnings coverage of net charge-offs (x) | 0.3395% | 5,343 |
| Efficiency ratio | 88.4750% | 1,952 |
| Assets per employee ($millions) | 7.1931% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4965% | 903 |
| Loan loss allowance to noncurrent loans | 67.2395% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 3.2189% | 1,947 |
| Noncurrent loans to loans | 3.7129% | 1,872 |
| Net loans and leases to total assets | 70.0835% | 3,687 |
| Net loans and leases to deposits | 97.5140% | 1,601 |
| Net loans and leases to core deposits | 119.5821% | 2,406 |
| Total domestic deposits to total assets | 71.8702% | 7,253 |
| Equity capital to assets | 7.8683% | 6,893 |
| Core capital (leverage) ratio | 5.4229% | 7,992 |
| Tier 1 risk-based capital ratio | 7.2821% | 7,980 |
| Total risk-based capital ratio | 10.4750% | 7,578 |
| Memoranda: | ||
| Average total assets | $3,602,122,670 | 237 |
| Average earning assets | $3,221,067,000 | 234 |
| Average equity | $330,436,000 | 244 |
| Average total loans | $2,553,354,670 | 230 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3048% | 5,874 |
| Cost of funding earning assets | 2.5659% | 1,672 |
| Net interest margin | 2.7389% | 7,123 |
| Noninterest income to average assets | 0.4014% | 5,199 |
| Noninterest expense to average assets | 2.2385% | 6,729 |
| Loan and lease loss provision to assets | 1.4353% | 883 |
| Net operating income to assets | -0.3837% | 6,767 |
| Return on assets (ROA) | -0.3837% | 6,845 |
| Pretax return on assets | -0.8631% | 7,070 |
| Return on Equity (ROE) | -3.9092% | 6,883 |
| Retained earnings to average equity (ytd only) | -3.9092% | 6,415 |
| Net charge-offs to loans | 0.6934% | 1,799 |
| Credit loss provision to net charge-offs | 294.0511% | 1,653 |
| Earnings coverage of net charge-offs (x) | 1.1724% | 4,167 |
| Efficiency ratio | 77.3902% | 3,272 |
| Assets per employee ($millions) | 6.8530% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0459% | 1,329 |
| Loan loss allowance to noncurrent loans | 65.9899% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 2.6766% | 2,136 |
| Noncurrent loans to loans | 3.1004% | 2,086 |
| Net loans and leases to total assets | 68.7112% | 3,972 |
| Net loans and leases to deposits | 99.0786% | 1,525 |
| Net loans and leases to core deposits | 120.3635% | 2,387 |
| Total domestic deposits to total assets | 69.3502% | 7,482 |
| Equity capital to assets | 9.6087% | 4,514 |
| Core capital (leverage) ratio | 6.3422% | 7,929 |
| Tier 1 risk-based capital ratio | 7.5426% | 8,054 |
| Total risk-based capital ratio | 10.5340% | 7,575 |
| Memoranda: | ||
| Average total assets | $3,622,904,000 | 239 |
| Average earning assets | $3,187,008,500 | 239 |
| Average equity | $355,576,000 | 237 |
| Average total loans | $2,550,403,500 | 230 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8985% | 6,045 |
| Cost of funding earning assets | 2.9292% | 2,147 |
| Net interest margin | 2.9693% | 6,989 |
| Noninterest income to average assets | 0.8592% | 2,169 |
| Noninterest expense to average assets | 4.6687% | 785 |
| Loan and lease loss provision to assets | 1.9681% | 614 |
| Net operating income to assets | -2.4358% | 7,692 |
| Return on assets (ROA) | -4.1446% | 7,992 |
| Pretax return on assets | -5.4353% | 8,058 |
| Return on Equity (ROE) | -34.2114% | 8,013 |
| Retained earnings to average equity (ytd only) | -39.2377% | 8,039 |
| Net charge-offs to loans | 2.1724% | 482 |
| Credit loss provision to net charge-offs | 132.6991% | 4,012 |
| Earnings coverage of net charge-offs (x) | -0.8217% | 6,564 |
| Efficiency ratio | 70.5639% | 4,237 |
| Assets per employee ($millions) | 6.6893% | 814 |
| Cash dividends to net income (ytd only)* | -14.6918% | 7,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7704% | 1,705 |
| Loan loss allowance to noncurrent loans | 72.7154% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 2.0586% | 2,386 |
| Noncurrent loans to loans | 2.4347% | 2,252 |
| Net loans and leases to total assets | 69.4061% | 4,165 |
| Net loans and leases to deposits | 100.3697% | 1,806 |
| Net loans and leases to core deposits | 122.0054% | 2,506 |
| Total domestic deposits to total assets | 69.1504% | 7,365 |
| Equity capital to assets | 10.0288% | 4,004 |
| Core capital (leverage) ratio | 6.8334% | 7,803 |
| Tier 1 risk-based capital ratio | 8.2377% | 8,043 |
| Total risk-based capital ratio | 10.5388% | 7,457 |
| Memoranda: | ||
| Average total assets | $3,646,335,200 | 225 |
| Average earning assets | $3,181,480,200 | 230 |
| Average equity | $441,738,400 | 205 |
| Average total loans | $2,489,418,600 | 229 |