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Merrill Merchants Bank, 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 | 6.0086% | 5,509 |
| Cost of funding earning assets | 2.1501% | 5,831 |
| Net interest margin | 3.8585% | 3,755 |
| Noninterest income to average assets | 0.8485% | 2,246 |
| Noninterest expense to average assets | 2.8445% | 4,627 |
| Loan and lease loss provision to assets | 0.1331% | 5,660 |
| Net operating income to assets | 0.4583% | 4,915 |
| Return on assets (ROA) | 0.4985% | 4,582 |
| Pretax return on assets | 0.7747% | 4,160 |
| Return on Equity (ROE) | 1.7753% | 5,681 |
| Retained earnings to average equity (ytd only) | 1.7753% | 4,137 |
| Net charge-offs to loans | 0.2314% | 3,928 |
| Credit loss provision to net charge-offs | 91.2941% | 5,649 |
| Earnings coverage of net charge-offs (x) | 5.7941% | 3,531 |
| Efficiency ratio | 74.5012% | 3,493 |
| Assets per employee ($millions) | 4.8314% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 5,271 |
| Loan loss allowance to noncurrent loans | 88.4739% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.8561% | 4,706 |
| Noncurrent loans to loans | 1.2452% | 4,024 |
| Net loans and leases to total assets | 61.7652% | 5,654 |
| Net loans and leases to deposits | 125.8633% | 272 |
| Net loans and leases to core deposits | 142.4075% | 1,153 |
| Total domestic deposits to total assets | 49.0733% | 8,131 |
| Equity capital to assets | 29.7522% | 177 |
| Core capital (leverage) ratio | 8.6377% | 5,310 |
| Tier 1 risk-based capital ratio | 11.1705% | 5,571 |
| Total risk-based capital ratio | 12.3265% | 5,546 |
| Memoranda: | ||
| Average total assets | $582,805,800 | 1,151 |
| Average earning assets | $429,133,400 | 1,456 |
| Average equity | $163,634,200 | 433 |
| Average total loans | $367,321,600 | 1,320 |