Home > Millennium State Bank of Texas > Performance and Condition Ratios
Millennium State Bank of Texas, Performance and Condition Ratios
| 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 | 4.3159% | 7,770 |
| Cost of funding earning assets | 4.0427% | 19 |
| Net interest margin | 0.2732% | 8,158 |
| Noninterest income to average assets | 0.2362% | 6,593 |
| Noninterest expense to average assets | 4.6326% | 672 |
| Loan and lease loss provision to assets | 5.4353% | 165 |
| Net operating income to assets | -9.5940% | 8,110 |
| Return on assets (ROA) | -9.5940% | 8,104 |
| Pretax return on assets | -9.5940% | 8,091 |
| Return on Equity (ROE) | -305.3616% | 8,168 |
| Retained earnings to average equity (ytd only) | -305.3616% | 8,168 |
| Net charge-offs to loans | 7.8997% | 106 |
| Credit loss provision to net charge-offs | 97.2805% | 4,695 |
| Earnings coverage of net charge-offs (x) | -0.7443% | 6,160 |
| Efficiency ratio | 977.3519% | 24 |
| Assets per employee ($millions) | 8.4715% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2368% | 472 |
| Loan loss allowance to noncurrent loans | 51.2525% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 5.5295% | 910 |
| Noncurrent loans to loans | 6.3153% | 854 |
| Net loans and leases to total assets | 63.9489% | 4,993 |
| Net loans and leases to deposits | 65.6783% | 6,422 |
| Net loans and leases to core deposits | 88.6453% | 5,667 |
| Total domestic deposits to total assets | 97.3668% | 17 |
| Equity capital to assets | 0.6256% | 8,167 |
| Core capital (leverage) ratio | 0.6101% | 8,170 |
| Tier 1 risk-based capital ratio | 0.9027% | 8,170 |
| Total risk-based capital ratio | 1.8054% | 8,170 |
| Memoranda: | ||
| Average total assets | $121,097,000 | 4,599 |
| Average earning assets | $105,424,330 | 4,742 |
| Average equity | $3,804,670 | 7,474 |
| Average total loans | $85,649,330 | 4,410 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4629% | 7,750 |
| Cost of funding earning assets | 4.2154% | 15 |
| Net interest margin | 0.2475% | 8,216 |
| Noninterest income to average assets | 0.2354% | 6,575 |
| Noninterest expense to average assets | 3.8645% | 1,358 |
| Loan and lease loss provision to assets | 4.5478% | 198 |
| Net operating income to assets | -7.9644% | 8,143 |
| Return on assets (ROA) | -7.9644% | 8,132 |
| Pretax return on assets | -7.9644% | 8,110 |
| Return on Equity (ROE) | -182.6087% | 8,189 |
| Retained earnings to average equity (ytd only) | -182.6087% | 8,187 |
| Net charge-offs to loans | 1.7069% | 849 |
| Credit loss provision to net charge-offs | 365.0919% | 1,399 |
| Earnings coverage of net charge-offs (x) | -2.7428% | 5,508 |
| Efficiency ratio | 862.7737% | 23 |
| Assets per employee ($millions) | 7.0399% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1608% | 196 |
| Loan loss allowance to noncurrent loans | 48.2754% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 6.8735% | 505 |
| Noncurrent loans to loans | 8.6189% | 388 |
| Net loans and leases to total assets | 66.1464% | 4,555 |
| Net loans and leases to deposits | 69.7129% | 6,007 |
| Net loans and leases to core deposits | 89.3261% | 5,618 |
| Total domestic deposits to total assets | 94.8840% | 23 |
| Equity capital to assets | 3.2497% | 8,196 |
| Core capital (leverage) ratio | 3.1454% | 8,200 |
| Tier 1 risk-based capital ratio | 4.4141% | 8,192 |
| Total risk-based capital ratio | 5.6971% | 8,189 |
| Memoranda: | ||
| Average total assets | $122,345,000 | 4,590 |
| Average earning assets | $105,044,000 | 4,771 |
| Average equity | $5,336,000 | 6,990 |
| Average total loans | $89,283,500 | 4,332 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6333% | 2,324 |
| Cost of funding earning assets | 4.4969% | 14 |
| Net interest margin | 2.1365% | 7,995 |
| Noninterest income to average assets | 0.6302% | 3,633 |
| Noninterest expense to average assets | 3.5371% | 2,297 |
| Loan and lease loss provision to assets | 1.9435% | 637 |
| Net operating income to assets | -2.9899% | 7,824 |
| Return on assets (ROA) | -2.9899% | 7,795 |
| Pretax return on assets | -2.9933% | 7,706 |
| Return on Equity (ROE) | -39.0526% | 8,070 |
| Retained earnings to average equity (ytd only) | -39.0526% | 8,036 |
| Net charge-offs to loans | 1.1120% | 1,088 |
| Credit loss provision to net charge-offs | 208.4608% | 2,321 |
| Earnings coverage of net charge-offs (x) | -1.1260% | 6,612 |
| Efficiency ratio | 142.2065% | 388 |
| Assets per employee ($millions) | 5.8986% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8856% | 478 |
| Loan loss allowance to noncurrent loans | 39.8032% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 6.4974% | 428 |
| Noncurrent loans to loans | 7.2496% | 405 |
| Net loans and leases to total assets | 75.0006% | 2,881 |
| Net loans and leases to deposits | 81.1980% | 4,842 |
| Net loans and leases to core deposits | 104.0574% | 4,392 |
| Total domestic deposits to total assets | 92.3676% | 95 |
| Equity capital to assets | 5.5556% | 8,128 |
| Core capital (leverage) ratio | 5.7593% | 8,133 |
| Tier 1 risk-based capital ratio | 6.8373% | 8,183 |
| Total risk-based capital ratio | 8.1033% | 8,191 |
| Memoranda: | ||
| Average total assets | $119,167,000 | 4,545 |
| Average earning assets | $103,582,800 | 4,696 |
| Average equity | $9,123,600 | 5,698 |
| Average total loans | $99,906,400 | 3,953 |