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Mutual Bank, 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 | 4.9060% | 7,017 |
| Cost of funding earning assets | 4.4864% | 8 |
| Net interest margin | 0.4196% | 8,147 |
| Noninterest income to average assets | 0.0636% | 7,668 |
| Noninterest expense to average assets | 1.8816% | 7,647 |
| Loan and lease loss provision to assets | 8.4526% | 61 |
| Net operating income to assets | -9.8814% | 8,117 |
| Return on assets (ROA) | -9.6632% | 8,106 |
| Pretax return on assets | -9.6632% | 8,094 |
| Return on Equity (ROE) | -474.1030% | 8,180 |
| Retained earnings to average equity (ytd only) | -474.1030% | 8,180 |
| Net charge-offs to loans | 8.8537% | 77 |
| Credit loss provision to net charge-offs | 117.2896% | 3,965 |
| Earnings coverage of net charge-offs (x) | -0.1983% | 5,884 |
| Efficiency ratio | 411.3405% | 52 |
| Assets per employee ($millions) | 9.2235% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5477% | 362 |
| Loan loss allowance to noncurrent loans | 10.5171% | 7,484 |
| Noncurrent assets plus other real estate owned to assets | 32.4663% | 11 |
| Noncurrent loans to loans | 33.7331% | 13 |
| Net loans and leases to total assets | 76.5982% | 2,034 |
| Net loans and leases to deposits | 79.0316% | 4,698 |
| Net loans and leases to core deposits | 97.8388% | 4,719 |
| Total domestic deposits to total assets | 96.9209% | 20 |
| Equity capital to assets | -0.0016% | 8,172 |
| Core capital (leverage) ratio | -0.2496% | 8,176 |
| Tier 1 risk-based capital ratio | -0.2885% | 8,176 |
| Total risk-based capital ratio | -0.2885% | 8,176 |
| Memoranda: | ||
| Average total assets | $1,647,678,330 | 442 |
| Average earning assets | $1,528,134,000 | 437 |
| Average equity | $33,583,000 | 2,025 |
| Average total loans | $1,341,151,330 | 394 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0968% | 1,957 |
| Cost of funding earning assets | 4.4723% | 10 |
| Net interest margin | 1.6245% | 8,028 |
| Noninterest income to average assets | 0.1283% | 7,376 |
| Noninterest expense to average assets | 1.3917% | 8,044 |
| Loan and lease loss provision to assets | 14.3721% | 20 |
| Net operating income to assets | -14.1185% | 8,202 |
| Return on assets (ROA) | -13.7333% | 8,194 |
| Pretax return on assets | -13.7333% | 8,191 |
| Return on Equity (ROE) | -456.1687% | 8,232 |
| Retained earnings to average equity (ytd only) | -456.1687% | 8,232 |
| Net charge-offs to loans | 0.2032% | 3,417 |
| Credit loss provision to net charge-offs | 8,590.8571% | 77 |
| Earnings coverage of net charge-offs (x) | 1.5157% | 3,973 |
| Efficiency ratio | 83.4253% | 2,369 |
| Assets per employee ($millions) | 9.5619% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9641% | 48 |
| Loan loss allowance to noncurrent loans | 38.0692% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 19.9380% | 33 |
| Noncurrent loans to loans | 18.2933% | 51 |
| Net loans and leases to total assets | 76.0175% | 2,260 |
| Net loans and leases to deposits | 79.4944% | 4,691 |
| Net loans and leases to core deposits | 99.8690% | 4,550 |
| Total domestic deposits to total assets | 95.6263% | 18 |
| Equity capital to assets | 1.4221% | 8,224 |
| Core capital (leverage) ratio | 1.0633% | 8,235 |
| Tier 1 risk-based capital ratio | 1.2600% | 8,236 |
| Total risk-based capital ratio | 2.5200% | 8,235 |
| Memoranda: | ||
| Average total assets | $1,673,689,000 | 436 |
| Average earning assets | $1,562,850,500 | 429 |
| Average equity | $50,387,500 | 1,362 |
| Average total loans | $1,378,126,500 | 386 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1152% | 890 |
| Cost of funding earning assets | 4.4110% | 19 |
| Net interest margin | 2.7042% | 7,495 |
| Noninterest income to average assets | 0.1133% | 7,555 |
| Noninterest expense to average assets | 1.6328% | 7,934 |
| Loan and lease loss provision to assets | 5.1841% | 96 |
| Net operating income to assets | -4.1452% | 8,003 |
| Return on assets (ROA) | -4.0380% | 7,979 |
| Pretax return on assets | -4.0380% | 7,895 |
| Return on Equity (ROE) | -55.9142% | 8,181 |
| Retained earnings to average equity (ytd only) | -56.8191% | 8,173 |
| Net charge-offs to loans | 4.5128% | 124 |
| Credit loss provision to net charge-offs | 137.9860% | 3,858 |
| Earnings coverage of net charge-offs (x) | 0.2765% | 6,064 |
| Efficiency ratio | 60.3704% | 6,280 |
| Assets per employee ($millions) | 9.1523% | 331 |
| Cash dividends to net income (ytd only)* | -1.6184% | 7,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4698% | 707 |
| Loan loss allowance to noncurrent loans | 15.9641% | 7,368 |
| Noncurrent assets plus other real estate owned to assets | 15.6497% | 56 |
| Noncurrent loans to loans | 15.4711% | 67 |
| Net loans and leases to total assets | 80.9101% | 1,464 |
| Net loans and leases to deposits | 87.4630% | 3,870 |
| Net loans and leases to core deposits | 112.2425% | 3,538 |
| Total domestic deposits to total assets | 92.5078% | 82 |
| Equity capital to assets | 4.5625% | 8,227 |
| Core capital (leverage) ratio | 4.1604% | 8,254 |
| Tier 1 risk-based capital ratio | 4.6405% | 8,267 |
| Total risk-based capital ratio | 7.7511% | 8,210 |
| Memoranda: | ||
| Average total assets | $1,625,100,000 | 432 |
| Average earning assets | $1,537,426,200 | 418 |
| Average equity | $117,360,200 | 583 |
| Average total loans | $1,352,920,800 | 385 |