Home > Monroe Bank > Performance and Condition Ratios
Monroe 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 | 4.3896% | 6,632 |
| Cost of funding earning assets | 1.0792% | 5,262 |
| Net interest margin | 3.3104% | 5,948 |
| Noninterest income to average assets | 1.3203% | 847 |
| Noninterest expense to average assets | 2.9347% | 4,091 |
| Loan and lease loss provision to assets | 1.8330% | 752 |
| Net operating income to assets | -0.2974% | 6,212 |
| Return on assets (ROA) | -0.2367% | 6,206 |
| Pretax return on assets | -0.4009% | 6,244 |
| Return on Equity (ROE) | -2.6608% | 6,244 |
| Retained earnings to average equity (ytd only) | -2.6608% | 6,062 |
| Net charge-offs to loans | 2.5331% | 741 |
| Credit loss provision to net charge-offs | 107.0664% | 4,150 |
| Earnings coverage of net charge-offs (x) | 0.7811% | 5,342 |
| Efficiency ratio | 68.6976% | 4,425 |
| Assets per employee ($millions) | 4.1836% | 3,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1878% | 741 |
| Loan loss allowance to noncurrent loans | 108.1841% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 4.0073% | 1,697 |
| Noncurrent loans to loans | 2.9467% | 2,591 |
| Net loans and leases to total assets | 61.4229% | 4,412 |
| Net loans and leases to deposits | 75.9793% | 3,842 |
| Net loans and leases to core deposits | 87.8085% | 3,077 |
| Total domestic deposits to total assets | 80.8416% | 5,576 |
| Equity capital to assets | 8.6680% | 5,626 |
| Core capital (leverage) ratio | 7.9404% | 6,274 |
| Tier 1 risk-based capital ratio | 12.4406% | 5,073 |
| Total risk-based capital ratio | 13.7137% | 5,040 |
| Memoranda: | ||
| Average total assets | $818,347,400 | 828 |
| Average earning assets | $729,639,400 | 841 |
| Average equity | $72,797,000 | 917 |
| Average total loans | $553,083,200 | 813 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 6,886 |
| Cost of funding earning assets | 1.0933% | 5,456 |
| Net interest margin | 3.2614% | 6,139 |
| Noninterest income to average assets | 1.3042% | 813 |
| Noninterest expense to average assets | 2.6229% | 5,233 |
| Loan and lease loss provision to assets | 1.7677% | 707 |
| Net operating income to assets | 0.0108% | 5,981 |
| Return on assets (ROA) | 0.0772% | 5,971 |
| Pretax return on assets | -0.0127% | 6,105 |
| Return on Equity (ROE) | 0.8624% | 5,926 |
| Retained earnings to average equity (ytd only) | 0.8624% | 5,454 |
| Net charge-offs to loans | 2.3817% | 731 |
| Credit loss provision to net charge-offs | 108.1993% | 3,937 |
| Earnings coverage of net charge-offs (x) | 1.0107% | 5,050 |
| Efficiency ratio | 61.3660% | 5,725 |
| Assets per employee ($millions) | 4.3592% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9397% | 868 |
| Loan loss allowance to noncurrent loans | 59.3958% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 4.4250% | 1,536 |
| Noncurrent loans to loans | 4.9494% | 1,410 |
| Net loans and leases to total assets | 63.7725% | 4,166 |
| Net loans and leases to deposits | 79.6724% | 3,507 |
| Net loans and leases to core deposits | 96.0094% | 2,259 |
| Total domestic deposits to total assets | 80.0434% | 5,693 |
| Equity capital to assets | 8.9055% | 5,696 |
| Core capital (leverage) ratio | 8.3329% | 5,816 |
| Tier 1 risk-based capital ratio | 12.1364% | 5,327 |
| Total risk-based capital ratio | 13.4117% | 5,273 |
| Memoranda: | ||
| Average total assets | $822,120,250 | 823 |
| Average earning assets | $748,653,500 | 821 |
| Average equity | $73,589,750 | 900 |
| Average total loans | $563,946,750 | 804 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 6,911 |
| Cost of funding earning assets | 1.1446% | 5,441 |
| Net interest margin | 3.2484% | 6,174 |
| Noninterest income to average assets | 1.2905% | 766 |
| Noninterest expense to average assets | 2.6225% | 5,240 |
| Loan and lease loss provision to assets | 1.8812% | 661 |
| Net operating income to assets | -0.0676% | 6,183 |
| Return on assets (ROA) | -0.0220% | 6,203 |
| Pretax return on assets | -0.1854% | 6,325 |
| Return on Equity (ROE) | -0.2452% | 6,212 |
| Retained earnings to average equity (ytd only) | -0.2452% | 5,783 |
| Net charge-offs to loans | 1.9179% | 965 |
| Credit loss provision to net charge-offs | 140.9740% | 2,833 |
| Earnings coverage of net charge-offs (x) | 1.2173% | 4,591 |
| Efficiency ratio | 61.7500% | 5,728 |
| Assets per employee ($millions) | 4.2022% | 3,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1676% | 722 |
| Loan loss allowance to noncurrent loans | 63.4208% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 4.1342% | 1,642 |
| Noncurrent loans to loans | 4.9945% | 1,380 |
| Net loans and leases to total assets | 63.6333% | 4,327 |
| Net loans and leases to deposits | 78.0548% | 3,954 |
| Net loans and leases to core deposits | 95.2450% | 2,549 |
| Total domestic deposits to total assets | 81.5239% | 5,190 |
| Equity capital to assets | 8.7402% | 5,822 |
| Core capital (leverage) ratio | 8.2886% | 5,793 |
| Tier 1 risk-based capital ratio | 11.7824% | 5,512 |
| Total risk-based capital ratio | 13.0590% | 5,448 |
| Memoranda: | ||
| Average total assets | $818,623,330 | 831 |
| Average earning assets | $745,036,000 | 829 |
| Average equity | $73,403,670 | 900 |
| Average total loans | $569,576,000 | 802 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4489% | 6,903 |
| Cost of funding earning assets | 1.2069% | 5,367 |
| Net interest margin | 3.2420% | 6,157 |
| Noninterest income to average assets | 1.2584% | 775 |
| Noninterest expense to average assets | 2.6039% | 5,346 |
| Loan and lease loss provision to assets | 1.5847% | 730 |
| Net operating income to assets | 0.0589% | 6,132 |
| Return on assets (ROA) | 0.1114% | 6,100 |
| Pretax return on assets | 0.0807% | 6,187 |
| Return on Equity (ROE) | 1.2265% | 6,053 |
| Retained earnings to average equity (ytd only) | 1.2265% | 5,326 |
| Net charge-offs to loans | 1.7696% | 978 |
| Credit loss provision to net charge-offs | 125.0977% | 2,806 |
| Earnings coverage of net charge-offs (x) | 1.2733% | 3,987 |
| Efficiency ratio | 61.7499% | 5,878 |
| Assets per employee ($millions) | 4.0247% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7937% | 991 |
| Loan loss allowance to noncurrent loans | 52.7122% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 4.1578% | 1,637 |
| Noncurrent loans to loans | 5.2998% | 1,333 |
| Net loans and leases to total assets | 67.7065% | 3,462 |
| Net loans and leases to deposits | 82.5830% | 3,179 |
| Net loans and leases to core deposits | 97.3962% | 2,408 |
| Total domestic deposits to total assets | 81.9860% | 5,075 |
| Equity capital to assets | 8.9959% | 5,286 |
| Core capital (leverage) ratio | 8.5803% | 5,236 |
| Tier 1 risk-based capital ratio | 12.0219% | 5,177 |
| Total risk-based capital ratio | 13.2902% | 5,120 |
| Memoranda: | ||
| Average total assets | $807,720,000 | 862 |
| Average earning assets | $737,079,500 | 851 |
| Average equity | $73,378,000 | 904 |
| Average total loans | $578,220,500 | 805 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8732% | 6,774 |
| Cost of funding earning assets | 1.5314% | 5,370 |
| Net interest margin | 3.3418% | 5,574 |
| Noninterest income to average assets | 1.1680% | 1,127 |
| Noninterest expense to average assets | 2.6369% | 5,638 |
| Loan and lease loss provision to assets | 1.4539% | 1,585 |
| Net operating income to assets | 0.1170% | 5,160 |
| Return on assets (ROA) | 0.3408% | 4,459 |
| Pretax return on assets | 0.3998% | 4,501 |
| Return on Equity (ROE) | 4.1007% | 4,043 |
| Retained earnings to average equity (ytd only) | 0.7558% | 4,484 |
| Net charge-offs to loans | 1.2591% | 1,963 |
| Credit loss provision to net charge-offs | 152.5882% | 3,006 |
| Earnings coverage of net charge-offs (x) | 1.6692% | 4,489 |
| Efficiency ratio | 62.3770% | 6,083 |
| Assets per employee ($millions) | 3.9138% | 3,995 |
| Cash dividends to net income (ytd only)* | 81.5695% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5974% | 1,116 |
| Loan loss allowance to noncurrent loans | 70.4470% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 3.1843% | 2,163 |
| Noncurrent loans to loans | 3.6870% | 2,042 |
| Net loans and leases to total assets | 71.6555% | 2,848 |
| Net loans and leases to deposits | 89.8483% | 2,236 |
| Net loans and leases to core deposits | 105.6349% | 3,379 |
| Total domestic deposits to total assets | 79.7517% | 5,751 |
| Equity capital to assets | 9.1753% | 4,880 |
| Core capital (leverage) ratio | 8.6509% | 5,013 |
| Tier 1 risk-based capital ratio | 12.0665% | 4,887 |
| Total risk-based capital ratio | 13.3331% | 4,835 |
| Memoranda: | ||
| Average total assets | $815,059,000 | 839 |
| Average earning assets | $746,157,600 | 833 |
| Average equity | $67,744,400 | 973 |
| Average total loans | $616,796,600 | 757 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9103% | 6,856 |
| Cost of funding earning assets | 1.5896% | 5,453 |
| Net interest margin | 3.3207% | 5,560 |
| Noninterest income to average assets | 1.1293% | 1,231 |
| Noninterest expense to average assets | 2.6706% | 5,453 |
| Loan and lease loss provision to assets | 1.1393% | 1,710 |
| Net operating income to assets | 0.2885% | 4,831 |
| Return on assets (ROA) | 0.5014% | 4,069 |
| Pretax return on assets | 0.6342% | 4,075 |
| Return on Equity (ROE) | 6.1897% | 3,444 |
| Retained earnings to average equity (ytd only) | 2.8066% | 3,762 |
| Net charge-offs to loans | 1.0662% | 1,862 |
| Credit loss provision to net charge-offs | 140.2525% | 3,508 |
| Earnings coverage of net charge-offs (x) | 1.8515% | 4,417 |
| Efficiency ratio | 63.9727% | 5,759 |
| Assets per employee ($millions) | 3.9800% | 3,773 |
| Cash dividends to net income (ytd only)* | 54.6576% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1656% | 1,484 |
| Loan loss allowance to noncurrent loans | 78.2999% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 2.4466% | 2,813 |
| Noncurrent loans to loans | 2.7657% | 2,747 |
| Net loans and leases to total assets | 72.6305% | 2,873 |
| Net loans and leases to deposits | 90.5754% | 2,465 |
| Net loans and leases to core deposits | 108.5445% | 3,406 |
| Total domestic deposits to total assets | 80.1879% | 5,368 |
| Equity capital to assets | 9.0912% | 5,356 |
| Core capital (leverage) ratio | 9.1131% | 4,469 |
| Tier 1 risk-based capital ratio | 12.2357% | 4,758 |
| Total risk-based capital ratio | 13.4972% | 4,691 |
| Memoranda: | ||
| Average total assets | $819,219,750 | 841 |
| Average earning assets | $751,270,750 | 838 |
| Average equity | $66,366,250 | 1,008 |
| Average total loans | $624,154,500 | 767 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9377% | 6,949 |
| Cost of funding earning assets | 1.6783% | 5,376 |
| Net interest margin | 3.2594% | 5,698 |
| Noninterest income to average assets | 1.2127% | 1,058 |
| Noninterest expense to average assets | 2.7228% | 5,293 |
| Loan and lease loss provision to assets | 1.1722% | 1,468 |
| Net operating income to assets | 0.2426% | 5,118 |
| Return on assets (ROA) | 0.5145% | 4,153 |
| Pretax return on assets | 0.6413% | 4,189 |
| Return on Equity (ROE) | 6.6213% | 3,375 |
| Retained earnings to average equity (ytd only) | 2.9823% | 3,662 |
| Net charge-offs to loans | 0.9572% | 1,817 |
| Credit loss provision to net charge-offs | 159.3625% | 2,883 |
| Earnings coverage of net charge-offs (x) | 2.0033% | 4,087 |
| Efficiency ratio | 64.8859% | 5,744 |
| Assets per employee ($millions) | 3.9585% | 3,755 |
| Cash dividends to net income (ytd only)* | 54.9597% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0769% | 1,428 |
| Loan loss allowance to noncurrent loans | 74.1419% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 2.6189% | 2,455 |
| Noncurrent loans to loans | 2.8012% | 2,575 |
| Net loans and leases to total assets | 74.5737% | 2,549 |
| Net loans and leases to deposits | 90.7874% | 2,699 |
| Net loans and leases to core deposits | 109.6611% | 3,413 |
| Total domestic deposits to total assets | 82.1411% | 4,632 |
| Equity capital to assets | 7.8037% | 6,974 |
| Core capital (leverage) ratio | 7.7236% | 6,719 |
| Tier 1 risk-based capital ratio | 10.3309% | 6,561 |
| Total risk-based capital ratio | 11.5914% | 6,481 |
| Memoranda: | ||
| Average total assets | $818,998,330 | 857 |
| Average earning assets | $749,703,330 | 850 |
| Average equity | $63,642,670 | 1,065 |
| Average total loans | $629,317,000 | 776 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9830% | 6,972 |
| Cost of funding earning assets | 1.7562% | 5,328 |
| Net interest margin | 3.2268% | 5,773 |
| Noninterest income to average assets | 1.1558% | 1,103 |
| Noninterest expense to average assets | 2.5926% | 5,486 |
| Loan and lease loss provision to assets | 1.2702% | 1,007 |
| Net operating income to assets | 0.1973% | 5,668 |
| Return on assets (ROA) | 0.5940% | 4,236 |
| Pretax return on assets | 0.7548% | 4,237 |
| Return on Equity (ROE) | 7.6608% | 3,304 |
| Retained earnings to average equity (ytd only) | 1.6317% | 4,933 |
| Net charge-offs to loans | 0.9089% | 1,451 |
| Credit loss provision to net charge-offs | 181.0585% | 2,404 |
| Earnings coverage of net charge-offs (x) | 2.1706% | 3,656 |
| Efficiency ratio | 62.9986% | 5,873 |
| Assets per employee ($millions) | 3.8357% | 4,010 |
| Cash dividends to net income (ytd only)* | 78.7007% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9555% | 1,513 |
| Loan loss allowance to noncurrent loans | 86.7023% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 2.1181% | 2,725 |
| Noncurrent loans to loans | 2.2554% | 2,924 |
| Net loans and leases to total assets | 75.3504% | 2,418 |
| Net loans and leases to deposits | 91.4051% | 2,708 |
| Net loans and leases to core deposits | 111.4793% | 3,262 |
| Total domestic deposits to total assets | 82.4357% | 4,394 |
| Equity capital to assets | 7.7356% | 7,143 |
| Core capital (leverage) ratio | 7.6384% | 6,976 |
| Tier 1 risk-based capital ratio | 10.0357% | 6,879 |
| Total risk-based capital ratio | 11.2947% | 6,781 |
| Memoranda: | ||
| Average total assets | $818,797,000 | 864 |
| Average earning assets | $750,950,000 | 851 |
| Average equity | $63,492,000 | 1,074 |
| Average total loans | $631,966,500 | 788 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8290% | 6,338 |
| Cost of funding earning assets | 2.5200% | 4,093 |
| Net interest margin | 3.3090% | 6,006 |
| Noninterest income to average assets | 1.2496% | 946 |
| Noninterest expense to average assets | 2.6864% | 5,325 |
| Loan and lease loss provision to assets | 1.1229% | 1,291 |
| Net operating income to assets | 0.4476% | 4,959 |
| Return on assets (ROA) | 0.5594% | 4,339 |
| Pretax return on assets | 0.5995% | 4,693 |
| Return on Equity (ROE) | 6.9689% | 3,546 |
| Retained earnings to average equity (ytd only) | 1.3484% | 4,411 |
| Net charge-offs to loans | 0.7226% | 1,709 |
| Credit loss provision to net charge-offs | 203.5763% | 2,387 |
| Earnings coverage of net charge-offs (x) | 2.9046% | 4,630 |
| Efficiency ratio | 62.6419% | 5,838 |
| Assets per employee ($millions) | 3.6957% | 4,186 |
| Cash dividends to net income (ytd only)* | 80.6510% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7647% | 1,721 |
| Loan loss allowance to noncurrent loans | 71.9660% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 2.2995% | 2,114 |
| Noncurrent loans to loans | 2.4521% | 2,233 |
| Net loans and leases to total assets | 76.1452% | 2,579 |
| Net loans and leases to deposits | 93.4771% | 2,861 |
| Net loans and leases to core deposits | 115.6566% | 3,159 |
| Total domestic deposits to total assets | 81.4587% | 4,428 |
| Equity capital to assets | 7.7731% | 7,129 |
| Core capital (leverage) ratio | 7.6864% | 6,958 |
| Tier 1 risk-based capital ratio | 10.0232% | 6,709 |
| Total risk-based capital ratio | 11.2799% | 6,584 |
| Memoranda: | ||
| Average total assets | $790,844,000 | 858 |
| Average earning assets | $726,281,200 | 839 |
| Average equity | $63,481,800 | 1,054 |
| Average total loans | $603,694,600 | 792 |