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Planters & Merchants Bank, Performance and Condition Ratios
| 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 | 5.4006% | 2,976 |
| Cost of funding earning assets | 1.6742% | 2,266 |
| Net interest margin | 3.7264% | 4,246 |
| Noninterest income to average assets | 0.3890% | 5,002 |
| Noninterest expense to average assets | 3.2776% | 2,635 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.4034% | 6,573 |
| Return on assets (ROA) | -0.4034% | 6,611 |
| Pretax return on assets | -0.4034% | 6,512 |
| Return on Equity (ROE) | -1.9387% | 6,412 |
| Retained earnings to average equity (ytd only) | -1.9387% | 6,137 |
| Net charge-offs to loans | 0.0202% | 6,060 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -56.0000% | 6,359 |
| Efficiency ratio | 109.7744% | 549 |
| Assets per employee ($millions) | 3.2900% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8821% | 2,464 |
| Loan loss allowance to noncurrent loans | 32.5044% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 2.4126% | 2,979 |
| Noncurrent loans to loans | 5.7904% | 1,121 |
| Net loans and leases to total assets | 36.2462% | 7,338 |
| Net loans and leases to deposits | 49.5379% | 7,086 |
| Net loans and leases to core deposits | 56.9620% | 6,887 |
| Total domestic deposits to total assets | 73.1687% | 7,076 |
| Equity capital to assets | 21.9491% | 204 |
| Core capital (leverage) ratio | 13.7030% | 999 |
| Tier 1 risk-based capital ratio | 19.0899% | 1,700 |
| Total risk-based capital ratio | 20.0813% | 1,731 |
| Memoranda: | ||
| Average total assets | $27,764,330 | 7,420 |
| Average earning assets | $18,516,330 | 7,601 |
| Average equity | $5,777,000 | 6,540 |
| Average total loans | $9,897,000 | 7,558 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3311% | 3,386 |
| Cost of funding earning assets | 1.7217% | 2,283 |
| Net interest margin | 3.6094% | 4,686 |
| Noninterest income to average assets | 0.3510% | 5,333 |
| Noninterest expense to average assets | 3.5245% | 1,924 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.7302% | 6,970 |
| Return on assets (ROA) | -0.7302% | 6,994 |
| Pretax return on assets | -0.7302% | 6,913 |
| Return on Equity (ROE) | -3.6005% | 6,790 |
| Retained earnings to average equity (ytd only) | -3.6005% | 6,447 |
| Net charge-offs to loans | -0.0401% | 7,284 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.1106% | 418 |
| Assets per employee ($millions) | 3.4656% | 5,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9677% | 2,271 |
| Loan loss allowance to noncurrent loans | 33.4539% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 2.2579% | 3,201 |
| Noncurrent loans to loans | 5.8817% | 1,133 |
| Net loans and leases to total assets | 33.2444% | 7,523 |
| Net loans and leases to deposits | 44.5869% | 7,381 |
| Net loans and leases to core deposits | 49.9892% | 7,284 |
| Total domestic deposits to total assets | 74.5609% | 6,974 |
| Equity capital to assets | 20.7863% | 249 |
| Core capital (leverage) ratio | 13.1525% | 1,171 |
| Tier 1 risk-based capital ratio | 19.2245% | 1,669 |
| Total risk-based capital ratio | 20.2334% | 1,692 |
| Memoranda: | ||
| Average total assets | $28,486,500 | 7,494 |
| Average earning assets | $19,283,000 | 7,673 |
| Average equity | $5,777,000 | 6,591 |
| Average total loans | $9,984,000 | 7,651 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8295% | 2,527 |
| Cost of funding earning assets | 2.0554% | 2,698 |
| Net interest margin | 3.7740% | 3,824 |
| Noninterest income to average assets | 0.4093% | 5,131 |
| Noninterest expense to average assets | 3.7923% | 1,710 |
| Loan and lease loss provision to assets | 0.2449% | 5,427 |
| Net operating income to assets | -0.8144% | 6,446 |
| Return on assets (ROA) | -0.7836% | 6,423 |
| Pretax return on assets | -0.8886% | 6,337 |
| Return on Equity (ROE) | -3.7598% | 6,091 |
| Retained earnings to average equity (ytd only) | -3.7598% | 5,833 |
| Net charge-offs to loans | 0.1962% | 5,418 |
| Credit loss provision to net charge-offs | 291.6667% | 1,143 |
| Earnings coverage of net charge-offs (x) | -8.0833% | 7,152 |
| Efficiency ratio | 117.9775% | 645 |
| Assets per employee ($millions) | 2.9248% | 6,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7414% | 2,743 |
| Loan loss allowance to noncurrent loans | 391.4894% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 6,416 |
| Noncurrent loans to loans | 0.4448% | 6,384 |
| Net loans and leases to total assets | 35.4964% | 7,541 |
| Net loans and leases to deposits | 46.8438% | 7,406 |
| Net loans and leases to core deposits | 70.9008% | 6,714 |
| Total domestic deposits to total assets | 75.7761% | 6,727 |
| Equity capital to assets | 19.7996% | 311 |
| Core capital (leverage) ratio | 13.5018% | 1,092 |
| Tier 1 risk-based capital ratio | 18.5505% | 1,741 |
| Total risk-based capital ratio | 19.5085% | 1,778 |
| Memoranda: | ||
| Average total assets | $28,584,400 | 7,522 |
| Average earning assets | $20,482,200 | 7,694 |
| Average equity | $5,957,800 | 6,619 |
| Average total loans | $12,230,400 | 7,586 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9332% | 2,303 |
| Cost of funding earning assets | 2.1097% | 2,846 |
| Net interest margin | 3.8234% | 3,560 |
| Noninterest income to average assets | 0.4363% | 4,988 |
| Noninterest expense to average assets | 3.6548% | 1,913 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.3401% | 6,254 |
| Return on assets (ROA) | -0.3049% | 6,221 |
| Pretax return on assets | -0.4081% | 6,207 |
| Return on Equity (ROE) | -1.4445% | 6,008 |
| Retained earnings to average equity (ytd only) | -1.4445% | 5,593 |
| Net charge-offs to loans | 0.0316% | 6,448 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -32.3325% | 6,951 |
| Efficiency ratio | 110.5572% | 757 |
| Assets per employee ($millions) | 2.3608% | 7,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 6,248 |
| Loan loss allowance to noncurrent loans | 2,250.0000% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 6,745 |
| Noncurrent loans to loans | 0.0447% | 7,398 |
| Net loans and leases to total assets | 46.8549% | 7,049 |
| Net loans and leases to deposits | 62.9607% | 6,590 |
| Net loans and leases to core deposits | 98.5449% | 4,548 |
| Total domestic deposits to total assets | 74.4193% | 6,877 |
| Equity capital to assets | 21.1084% | 278 |
| Core capital (leverage) ratio | 14.1901% | 1,046 |
| Tier 1 risk-based capital ratio | 17.7880% | 2,052 |
| Total risk-based capital ratio | 18.4349% | 2,164 |
| Memoranda: | ||
| Average total assets | $28,418,500 | 7,596 |
| Average earning assets | $20,539,500 | 7,769 |
| Average equity | $5,999,500 | 6,664 |
| Average total loans | $12,646,500 | 7,640 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7259% | 3,403 |
| Cost of funding earning assets | 2.1364% | 3,104 |
| Net interest margin | 3.5895% | 4,407 |
| Noninterest income to average assets | 0.4007% | 5,275 |
| Noninterest expense to average assets | 3.6066% | 2,059 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.4633% | 6,509 |
| Return on assets (ROA) | -0.4078% | 6,464 |
| Pretax return on assets | -0.5132% | 6,440 |
| Return on Equity (ROE) | -1.9314% | 6,212 |
| Retained earnings to average equity (ytd only) | -1.9314% | 5,724 |
| Net charge-offs to loans | 0.0161% | 6,303 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -83.0000% | 6,610 |
| Efficiency ratio | 115.3488% | 749 |
| Assets per employee ($millions) | 2.3506% | 7,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 5,805 |
| Loan loss allowance to noncurrent loans | 402.9412% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 6,582 |
| Noncurrent loans to loans | 0.2647% | 6,864 |
| Net loans and leases to total assets | 45.0597% | 7,261 |
| Net loans and leases to deposits | 60.5267% | 6,850 |
| Net loans and leases to core deposits | 95.3417% | 4,971 |
| Total domestic deposits to total assets | 74.4461% | 6,878 |
| Equity capital to assets | 21.1189% | 323 |
| Core capital (leverage) ratio | 14.1896% | 1,097 |
| Tier 1 risk-based capital ratio | 18.8781% | 1,802 |
| Total risk-based capital ratio | 19.5748% | 1,876 |
| Memoranda: | ||
| Average total assets | $28,448,000 | 7,666 |
| Average earning assets | $20,782,670 | 7,834 |
| Average equity | $6,006,000 | 6,713 |
| Average total loans | $12,392,330 | 7,732 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6294% | 4,181 |
| Cost of funding earning assets | 2.2251% | 3,035 |
| Net interest margin | 3.4043% | 5,123 |
| Noninterest income to average assets | 0.3920% | 5,279 |
| Noninterest expense to average assets | 3.4584% | 2,207 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.5601% | 6,934 |
| Return on assets (ROA) | -0.4200% | 6,869 |
| Pretax return on assets | -0.4200% | 6,756 |
| Return on Equity (ROE) | -1.9899% | 6,658 |
| Retained earnings to average equity (ytd only) | -1.9899% | 6,106 |
| Net charge-offs to loans | 0.0329% | 5,055 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -40.0000% | 5,690 |
| Efficiency ratio | 115.4589% | 704 |
| Assets per employee ($millions) | 2.3788% | 7,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 5,390 |
| Loan loss allowance to noncurrent loans | 311.3636% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3923% | 6,327 |
| Noncurrent loans to loans | 0.3569% | 6,539 |
| Net loans and leases to total assets | 42.7100% | 7,423 |
| Net loans and leases to deposits | 57.2852% | 7,086 |
| Net loans and leases to core deposits | 87.0795% | 5,832 |
| Total domestic deposits to total assets | 74.5569% | 6,793 |
| Equity capital to assets | 21.0502% | 359 |
| Core capital (leverage) ratio | 14.1820% | 1,152 |
| Tier 1 risk-based capital ratio | 20.2673% | 1,569 |
| Total risk-based capital ratio | 21.0115% | 1,618 |
| Memoranda: | ||
| Average total assets | $28,568,500 | 7,708 |
| Average earning assets | $21,032,500 | 7,875 |
| Average equity | $6,030,500 | 6,748 |
| Average total loans | $12,165,000 | 7,794 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0220% | 1,079 |
| Cost of funding earning assets | 2.6772% | 3,279 |
| Net interest margin | 4.3448% | 1,837 |
| Noninterest income to average assets | 0.8356% | 2,323 |
| Noninterest expense to average assets | 3.1192% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6012% | 4,296 |
| Return on assets (ROA) | 0.6617% | 3,907 |
| Pretax return on assets | 1.0813% | 3,089 |
| Return on Equity (ROE) | 2.9301% | 5,260 |
| Retained earnings to average equity (ytd only) | 2.9301% | 3,352 |
| Net charge-offs to loans | 0.0625% | 5,879 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 32.6250% | 1,104 |
| Efficiency ratio | 72.8361% | 3,784 |
| Assets per employee ($millions) | 2.5992% | 7,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 4,918 |
| Loan loss allowance to noncurrent loans | 293.6170% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 6,031 |
| Noncurrent loans to loans | 0.3916% | 6,169 |
| Net loans and leases to total assets | 41.4921% | 7,611 |
| Net loans and leases to deposits | 55.6948% | 7,341 |
| Net loans and leases to core deposits | 80.5254% | 6,576 |
| Total domestic deposits to total assets | 74.4990% | 6,557 |
| Equity capital to assets | 21.1675% | 392 |
| Core capital (leverage) ratio | 14.9629% | 1,046 |
| Tier 1 risk-based capital ratio | 20.8918% | 1,469 |
| Total risk-based capital ratio | 21.6600% | 1,516 |
| Memoranda: | ||
| Average total assets | $26,448,800 | 7,791 |
| Average earning assets | $19,908,800 | 7,943 |
| Average equity | $5,972,400 | 6,819 |
| Average total loans | $12,798,400 | 7,784 |