Home > Mississippi National Bankers Bank > Performance and Condition Ratios
Mississippi National Bankers Bank, 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 | 1.8009% | 7,571 |
| Cost of funding earning assets | 0.0803% | 7,593 |
| Net interest margin | 1.7206% | 7,517 |
| Noninterest income to average assets | 0.4589% | 4,449 |
| Noninterest expense to average assets | 1.4311% | 7,471 |
| Loan and lease loss provision to assets | 0.6739% | 2,449 |
| Net operating income to assets | 0.0288% | 5,755 |
| Return on assets (ROA) | 0.0288% | 5,891 |
| Pretax return on assets | 0.0086% | 5,884 |
| Return on Equity (ROE) | 0.2288% | 5,895 |
| Retained earnings to average equity (ytd only) | -1.5528% | 5,898 |
| Net charge-offs to loans | 2.4840% | 756 |
| Credit loss provision to net charge-offs | 78.2361% | 5,626 |
| Earnings coverage of net charge-offs (x) | 0.7923% | 5,337 |
| Efficiency ratio | 67.7101% | 4,623 |
| Assets per employee ($millions) | 12.0786% | 152 |
| Cash dividends to net income (ytd only)* | 778.7234% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3709% | 1,588 |
| Loan loss allowance to noncurrent loans | 40.4073% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 2.3656% | 2,904 |
| Noncurrent loans to loans | 5.8674% | 1,080 |
| Net loans and leases to total assets | 39.3610% | 7,000 |
| Net loans and leases to deposits | 183.4661% | 27 |
| Net loans and leases to core deposits | 183.4661% | 99 |
| Total domestic deposits to total assets | 21.4541% | 7,607 |
| Equity capital to assets | 15.2486% | 735 |
| Core capital (leverage) ratio | 11.6410% | 1,760 |
| Tier 1 risk-based capital ratio | 32.9837% | 409 |
| Total risk-based capital ratio | 34.2441% | 401 |
| Memoranda: | ||
| Average total assets | $163,232,400 | 3,642 |
| Average earning assets | $156,979,600 | 3,504 |
| Average equity | $20,543,800 | 3,072 |
| Average total loans | $56,601,400 | 5,208 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7516% | 7,703 |
| Cost of funding earning assets | 0.0778% | 7,707 |
| Net interest margin | 1.6738% | 7,644 |
| Noninterest income to average assets | 0.4355% | 4,671 |
| Noninterest expense to average assets | 1.3557% | 7,611 |
| Loan and lease loss provision to assets | 0.7415% | 2,060 |
| Net operating income to assets | 0.0047% | 5,992 |
| Return on assets (ROA) | 0.0047% | 6,115 |
| Pretax return on assets | -0.0492% | 6,165 |
| Return on Equity (ROE) | 0.0388% | 6,117 |
| Retained earnings to average equity (ytd only) | -1.9339% | 6,187 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1966% | 4,819 |
| Assets per employee ($millions) | 14.9949% | 104 |
| Cash dividends to net income (ytd only)* | 5,083.2500% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7281% | 213 |
| Loan loss allowance to noncurrent loans | 67.6486% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 2.2638% | 3,126 |
| Noncurrent loans to loans | 6.9892% | 809 |
| Net loans and leases to total assets | 30.8584% | 7,442 |
| Net loans and leases to deposits | 205.7606% | 22 |
| Net loans and leases to core deposits | 205.7606% | 84 |
| Total domestic deposits to total assets | 14.9972% | 7,720 |
| Equity capital to assets | 12.3139% | 1,963 |
| Core capital (leverage) ratio | 13.8197% | 958 |
| Tier 1 risk-based capital ratio | 34.2217% | 371 |
| Total risk-based capital ratio | 35.5096% | 364 |
| Memoranda: | ||
| Average total assets | $170,824,250 | 3,564 |
| Average earning assets | $164,567,250 | 3,413 |
| Average equity | $20,614,750 | 3,096 |
| Average total loans | $57,360,000 | 5,254 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7771% | 7,779 |
| Cost of funding earning assets | 0.0841% | 7,779 |
| Net interest margin | 1.6930% | 7,714 |
| Noninterest income to average assets | 0.4364% | 4,642 |
| Noninterest expense to average assets | 1.3381% | 7,692 |
| Loan and lease loss provision to assets | 0.3473% | 3,640 |
| Net operating income to assets | 0.2813% | 5,257 |
| Return on assets (ROA) | 0.2813% | 5,409 |
| Pretax return on assets | 0.3831% | 5,274 |
| Return on Equity (ROE) | 2.3460% | 5,523 |
| Retained earnings to average equity (ytd only) | 1.7668% | 4,982 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6894% | 5,207 |
| Assets per employee ($millions) | 11.7547% | 171 |
| Cash dividends to net income (ytd only)* | 24.6914% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2794% | 654 |
| Loan loss allowance to noncurrent loans | 70.5263% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.8858% | 3,642 |
| Noncurrent loans to loans | 4.6499% | 1,546 |
| Net loans and leases to total assets | 39.2248% | 7,209 |
| Net loans and leases to deposits | 165.9588% | 31 |
| Net loans and leases to core deposits | 165.9588% | 144 |
| Total domestic deposits to total assets | 23.6353% | 7,775 |
| Equity capital to assets | 14.7417% | 940 |
| Core capital (leverage) ratio | 13.9413% | 938 |
| Tier 1 risk-based capital ratio | 30.6788% | 470 |
| Total risk-based capital ratio | 31.9483% | 467 |
| Memoranda: | ||
| Average total assets | $172,784,330 | 3,555 |
| Average earning assets | $166,566,330 | 3,400 |
| Average equity | $20,716,000 | 3,075 |
| Average total loans | $58,671,670 | 5,241 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6967% | 7,887 |
| Cost of funding earning assets | 0.0919% | 7,883 |
| Net interest margin | 1.6047% | 7,813 |
| Noninterest income to average assets | 0.4092% | 4,829 |
| Noninterest expense to average assets | 1.2256% | 7,824 |
| Loan and lease loss provision to assets | 0.3181% | 3,509 |
| Net operating income to assets | 0.3393% | 5,128 |
| Return on assets (ROA) | 0.3393% | 5,251 |
| Pretax return on assets | 0.4198% | 5,230 |
| Return on Equity (ROE) | 3.0952% | 5,293 |
| Retained earnings to average equity (ytd only) | 3.0952% | 4,281 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4190% | 5,749 |
| Assets per employee ($millions) | 15.0033% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9413% | 865 |
| Loan loss allowance to noncurrent loans | 126.8185% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.7559% | 5,639 |
| Noncurrent loans to loans | 2.3193% | 3,366 |
| Net loans and leases to total assets | 31.6354% | 7,578 |
| Net loans and leases to deposits | 251.9842% | 22 |
| Net loans and leases to core deposits | 251.9842% | 72 |
| Total domestic deposits to total assets | 12.5545% | 7,896 |
| Equity capital to assets | 11.5292% | 2,337 |
| Core capital (leverage) ratio | 9.6604% | 3,567 |
| Tier 1 risk-based capital ratio | 32.6364% | 415 |
| Total risk-based capital ratio | 33.9050% | 411 |
| Memoranda: | ||
| Average total assets | $188,648,500 | 3,382 |
| Average earning assets | $182,711,000 | 3,226 |
| Average equity | $20,677,000 | 3,104 |
| Average total loans | $59,405,000 | 5,274 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8973% | 7,931 |
| Cost of funding earning assets | 0.1774% | 7,950 |
| Net interest margin | 1.7199% | 7,827 |
| Noninterest income to average assets | 0.3932% | 5,263 |
| Noninterest expense to average assets | 1.2434% | 7,896 |
| Loan and lease loss provision to assets | 0.5811% | 3,474 |
| Net operating income to assets | 0.1533% | 5,043 |
| Return on assets (ROA) | 0.1533% | 5,109 |
| Pretax return on assets | 0.2276% | 4,942 |
| Return on Equity (ROE) | 1.3607% | 5,127 |
| Retained earnings to average equity (ytd only) | -0.3178% | 5,030 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5887% | 6,390 |
| Assets per employee ($millions) | 16.4382% | 99 |
| Cash dividends to net income (ytd only)* | 123.3577% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6211% | 1,105 |
| Loan loss allowance to noncurrent loans | 115.0365% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.6945% | 5,713 |
| Noncurrent loans to loans | 2.2785% | 3,308 |
| Net loans and leases to total assets | 29.6830% | 7,717 |
| Net loans and leases to deposits | 298.9940% | 18 |
| Net loans and leases to core deposits | 298.9940% | 35 |
| Total domestic deposits to total assets | 9.9276% | 7,974 |
| Equity capital to assets | 10.4417% | 3,251 |
| Core capital (leverage) ratio | 9.4227% | 3,808 |
| Tier 1 risk-based capital ratio | 31.1979% | 468 |
| Total risk-based capital ratio | 32.4625% | 468 |
| Memoranda: | ||
| Average total assets | $178,783,800 | 3,461 |
| Average earning assets | $172,456,800 | 3,314 |
| Average equity | $20,136,200 | 3,174 |
| Average total loans | $60,397,600 | 5,233 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9435% | 8,032 |
| Cost of funding earning assets | 0.1947% | 8,030 |
| Net interest margin | 1.7488% | 7,901 |
| Noninterest income to average assets | 0.3904% | 5,379 |
| Noninterest expense to average assets | 1.2677% | 7,976 |
| Loan and lease loss provision to assets | 0.5007% | 3,388 |
| Net operating income to assets | 0.2082% | 5,120 |
| Return on assets (ROA) | 0.2082% | 5,209 |
| Pretax return on assets | 0.3062% | 5,047 |
| Return on Equity (ROE) | 1.8114% | 5,227 |
| Retained earnings to average equity (ytd only) | -0.0333% | 5,214 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1070% | 6,254 |
| Assets per employee ($millions) | 14.6140% | 114 |
| Cash dividends to net income (ytd only)* | 101.8364% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9324% | 1,953 |
| Loan loss allowance to noncurrent loans | 85.1322% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.7978% | 5,521 |
| Noncurrent loans to loans | 2.2699% | 3,305 |
| Net loans and leases to total assets | 34.4658% | 7,674 |
| Net loans and leases to deposits | 290.7683% | 21 |
| Net loans and leases to core deposits | 290.7683% | 36 |
| Total domestic deposits to total assets | 11.8534% | 8,057 |
| Equity capital to assets | 11.7855% | 2,367 |
| Core capital (leverage) ratio | 9.5922% | 3,796 |
| Tier 1 risk-based capital ratio | 30.1165% | 557 |
| Total risk-based capital ratio | 31.3731% | 544 |
| Memoranda: | ||
| Average total assets | $174,165,250 | 3,550 |
| Average earning assets | $167,734,500 | 3,409 |
| Average equity | $20,021,000 | 3,227 |
| Average total loans | $60,465,000 | 5,263 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9820% | 8,125 |
| Cost of funding earning assets | 0.2106% | 8,125 |
| Net interest margin | 1.7713% | 7,953 |
| Noninterest income to average assets | 0.2383% | 6,575 |
| Noninterest expense to average assets | 1.0957% | 8,109 |
| Loan and lease loss provision to assets | 0.4374% | 3,364 |
| Net operating income to assets | 0.2831% | 4,973 |
| Return on assets (ROA) | 0.2831% | 5,073 |
| Pretax return on assets | 0.4086% | 4,906 |
| Return on Equity (ROE) | 2.4842% | 5,111 |
| Retained earnings to average equity (ytd only) | 2.1711% | 4,141 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4315% | 7,066 |
| Assets per employee ($millions) | 14.0063% | 115 |
| Cash dividends to net income (ytd only)* | 12.6016% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5621% | 2,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 34.3811% | 7,760 |
| Net loans and leases to deposits | 341.8481% | 22 |
| Net loans and leases to core deposits | 341.8481% | 33 |
| Total domestic deposits to total assets | 10.0574% | 8,157 |
| Equity capital to assets | 12.4308% | 1,956 |
| Core capital (leverage) ratio | 10.4384% | 2,866 |
| Tier 1 risk-based capital ratio | 29.4207% | 634 |
| Total risk-based capital ratio | 30.6706% | 621 |
| Memoranda: | ||
| Average total assets | $173,764,330 | 3,570 |
| Average earning assets | $167,105,000 | 3,442 |
| Average equity | $19,805,330 | 3,273 |
| Average total loans | $60,075,670 | 5,330 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9779% | 8,187 |
| Cost of funding earning assets | 0.2240% | 8,175 |
| Net interest margin | 1.7539% | 7,988 |
| Noninterest income to average assets | 0.4258% | 4,997 |
| Noninterest expense to average assets | 1.2253% | 8,108 |
| Loan and lease loss provision to assets | 0.4077% | 2,879 |
| Net operating income to assets | 0.3624% | 5,007 |
| Return on assets (ROA) | 0.3624% | 5,194 |
| Pretax return on assets | 0.4779% | 5,145 |
| Return on Equity (ROE) | 3.3227% | 5,240 |
| Retained earnings to average equity (ytd only) | 3.3227% | 4,028 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0472% | 6,697 |
| Assets per employee ($millions) | 19.6924% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 4,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 26.8761% | 7,984 |
| Net loans and leases to deposits | 261.1727% | 22 |
| Net loans and leases to core deposits | 261.1727% | 55 |
| Total domestic deposits to total assets | 10.2906% | 8,209 |
| Equity capital to assets | 9.6696% | 4,427 |
| Core capital (leverage) ratio | 9.4350% | 4,061 |
| Tier 1 risk-based capital ratio | 27.7562% | 775 |
| Total risk-based capital ratio | 28.7073% | 769 |
| Memoranda: | ||
| Average total assets | $176,609,000 | 3,557 |
| Average earning assets | $169,678,000 | 3,430 |
| Average equity | $19,261,500 | 3,378 |
| Average total loans | $60,762,000 | 5,333 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7185% | 8,127 |
| Cost of funding earning assets | 1.6500% | 7,353 |
| Net interest margin | 2.0685% | 8,030 |
| Noninterest income to average assets | 0.2767% | 6,480 |
| Noninterest expense to average assets | 1.4517% | 8,052 |
| Loan and lease loss provision to assets | 0.0917% | 6,224 |
| Net operating income to assets | 0.4015% | 5,143 |
| Return on assets (ROA) | 0.4015% | 4,958 |
| Pretax return on assets | 0.6194% | 4,627 |
| Return on Equity (ROE) | 3.1643% | 5,171 |
| Retained earnings to average equity (ytd only) | 1.7644% | 4,148 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1191% | 4,890 |
| Assets per employee ($millions) | 12.4184% | 150 |
| Cash dividends to net income (ytd only)* | 44.2413% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8580% | 6,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 45.4254% | 7,378 |
| Net loans and leases to deposits | 286.7203% | 24 |
| Net loans and leases to core deposits | 286.7203% | 51 |
| Total domestic deposits to total assets | 15.8431% | 8,249 |
| Equity capital to assets | 12.8673% | 1,842 |
| Core capital (leverage) ratio | 11.2316% | 2,409 |
| Tier 1 risk-based capital ratio | 21.0899% | 1,445 |
| Total risk-based capital ratio | 21.7347% | 1,503 |
| Memoranda: | ||
| Average total assets | $136,250,200 | 4,155 |
| Average earning assets | $124,243,000 | 4,169 |
| Average equity | $17,286,400 | 3,688 |
| Average total loans | $50,050,400 | 5,700 |