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Maine Bank & Trust Company, Performance and Condition Ratios
| 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 | 5.9361% | 5,874 |
| Cost of funding earning assets | 1.2308% | 7,908 |
| Net interest margin | 4.7053% | 958 |
| Noninterest income to average assets | 1.8293% | 404 |
| Noninterest expense to average assets | 4.4069% | 951 |
| Loan and lease loss provision to assets | 0.0903% | 6,255 |
| Net operating income to assets | 0.7568% | 3,631 |
| Return on assets (ROA) | 0.7857% | 3,345 |
| Pretax return on assets | 1.2255% | 2,566 |
| Return on Equity (ROE) | 3.8324% | 4,884 |
| Retained earnings to average equity (ytd only) | 3.8324% | 2,743 |
| Net charge-offs to loans | 0.1125% | 5,144 |
| Credit loss provision to net charge-offs | 110.7558% | 4,872 |
| Earnings coverage of net charge-offs (x) | 15.5872% | 1,921 |
| Efficiency ratio | 71.3731% | 4,057 |
| Assets per employee ($millions) | 3.6159% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 3,622 |
| Loan loss allowance to noncurrent loans | 111.8612% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.8878% | 4,637 |
| Noncurrent loans to loans | 1.1842% | 4,146 |
| Net loans and leases to total assets | 70.8583% | 3,824 |
| Net loans and leases to deposits | 109.2530% | 884 |
| Net loans and leases to core deposits | 117.2711% | 2,977 |
| Total domestic deposits to total assets | 64.8571% | 7,734 |
| Equity capital to assets | 22.5174% | 331 |
| Core capital (leverage) ratio | 8.7704% | 5,081 |
| Tier 1 risk-based capital ratio | 10.4894% | 6,220 |
| Total risk-based capital ratio | 11.7406% | 6,102 |
| Memoranda: | ||
| Average total assets | $422,019,200 | 1,612 |
| Average earning assets | $345,144,400 | 1,794 |
| Average equity | $86,525,600 | 770 |
| Average total loans | $305,854,800 | 1,583 |