Home > Amcore Bank > Performance and Condition Ratios
Amcore Bank, Performance and Condition Ratios
| 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 | 4.6273% | 6,478 |
| Cost of funding earning assets | 2.5623% | 187 |
| Net interest margin | 2.0650% | 7,700 |
| Noninterest income to average assets | 1.8802% | 368 |
| Noninterest expense to average assets | 4.1226% | 880 |
| Loan and lease loss provision to assets | 2.5748% | 408 |
| Net operating income to assets | -2.9777% | 7,639 |
| Return on assets (ROA) | -2.9777% | 7,633 |
| Pretax return on assets | -2.9777% | 7,597 |
| Return on Equity (ROE) | -118.3562% | 7,849 |
| Retained earnings to average equity (ytd only) | -118.3562% | 7,846 |
| Net charge-offs to loans | 6.8577% | 145 |
| Credit loss provision to net charge-offs | 55.0454% | 4,400 |
| Earnings coverage of net charge-offs (x) | -0.0861% | 5,089 |
| Efficiency ratio | 110.8297% | 583 |
| Assets per employee ($millions) | 3.6373% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3065% | 87 |
| Loan loss allowance to noncurrent loans | 41.1338% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 11.3630% | 311 |
| Noncurrent loans to loans | 15.3317% | 167 |
| Net loans and leases to total assets | 61.5608% | 4,847 |
| Net loans and leases to deposits | 68.8030% | 5,496 |
| Net loans and leases to core deposits | 93.6820% | 2,880 |
| Total domestic deposits to total assets | 89.4739% | 1,257 |
| Equity capital to assets | 2.4370% | 7,873 |
| Core capital (leverage) ratio | 2.2625% | 7,872 |
| Tier 1 risk-based capital ratio | 3.8612% | 7,847 |
| Total risk-based capital ratio | 7.1012% | 7,758 |
| Memoranda: | ||
| Average total assets | $3,417,708,500 | 231 |
| Average earning assets | $3,044,638,000 | 229 |
| Average equity | $85,984,500 | 772 |
| Average total loans | $2,331,205,500 | 220 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5117% | 7,370 |
| Cost of funding earning assets | 2.6212% | 732 |
| Net interest margin | 1.8905% | 7,784 |
| Noninterest income to average assets | 1.2160% | 1,033 |
| Noninterest expense to average assets | 3.3826% | 2,734 |
| Loan and lease loss provision to assets | 4.0764% | 320 |
| Net operating income to assets | -5.0707% | 7,755 |
| Return on assets (ROA) | -4.5694% | 7,684 |
| Pretax return on assets | -4.0374% | 7,535 |
| Return on Equity (ROE) | -96.5160% | 7,922 |
| Retained earnings to average equity (ytd only) | -96.5160% | 7,920 |
| Net charge-offs to loans | 5.4856% | 208 |
| Credit loss provision to net charge-offs | 104.7426% | 5,282 |
| Earnings coverage of net charge-offs (x) | -0.1188% | 6,353 |
| Efficiency ratio | 115.8358% | 673 |
| Assets per employee ($millions) | 4.0183% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4772% | 131 |
| Loan loss allowance to noncurrent loans | 41.9651% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 9.9811% | 373 |
| Noncurrent loans to loans | 13.0517% | 241 |
| Net loans and leases to total assets | 66.4000% | 4,056 |
| Net loans and leases to deposits | 73.1538% | 5,173 |
| Net loans and leases to core deposits | 84.9620% | 5,622 |
| Total domestic deposits to total assets | 90.7677% | 633 |
| Equity capital to assets | 2.5800% | 7,937 |
| Core capital (leverage) ratio | 2.6107% | 7,928 |
| Tier 1 risk-based capital ratio | 3.9411% | 7,913 |
| Total risk-based capital ratio | 7.0712% | 7,831 |
| Memoranda: | ||
| Average total assets | $4,664,834,400 | 183 |
| Average earning assets | $4,205,132,000 | 180 |
| Average equity | $220,847,400 | 325 |
| Average total loans | $3,309,491,800 | 177 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4961% | 7,509 |
| Cost of funding earning assets | 2.6176% | 989 |
| Net interest margin | 1.8785% | 7,864 |
| Noninterest income to average assets | 1.1260% | 1,242 |
| Noninterest expense to average assets | 3.2249% | 3,214 |
| Loan and lease loss provision to assets | 3.8181% | 326 |
| Net operating income to assets | -5.7228% | 7,909 |
| Return on assets (ROA) | -5.1432% | 7,856 |
| Pretax return on assets | -3.6416% | 7,629 |
| Return on Equity (ROE) | -99.8779% | 8,013 |
| Retained earnings to average equity (ytd only) | -99.8779% | 8,009 |
| Net charge-offs to loans | 4.3710% | 300 |
| Credit loss provision to net charge-offs | 122.8917% | 4,118 |
| Earnings coverage of net charge-offs (x) | -0.1297% | 6,220 |
| Efficiency ratio | 114.2803% | 688 |
| Assets per employee ($millions) | 4.3200% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1840% | 124 |
| Loan loss allowance to noncurrent loans | 38.4829% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 10.2064% | 327 |
| Noncurrent loans to loans | 13.4710% | 202 |
| Net loans and leases to total assets | 68.1808% | 3,917 |
| Net loans and leases to deposits | 76.2361% | 4,998 |
| Net loans and leases to core deposits | 88.6816% | 5,569 |
| Total domestic deposits to total assets | 89.4337% | 1,000 |
| Equity capital to assets | 2.9083% | 8,034 |
| Core capital (leverage) ratio | 2.8306% | 8,030 |
| Tier 1 risk-based capital ratio | 4.0932% | 8,025 |
| Total risk-based capital ratio | 6.9400% | 7,971 |
| Memoranda: | ||
| Average total assets | $4,888,748,750 | 181 |
| Average earning assets | $4,413,577,500 | 179 |
| Average equity | $251,747,750 | 296 |
| Average total loans | $3,474,926,000 | 177 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 7,602 |
| Cost of funding earning assets | 2.6369% | 1,191 |
| Net interest margin | 1.8901% | 7,914 |
| Noninterest income to average assets | 1.1810% | 1,119 |
| Noninterest expense to average assets | 3.3284% | 2,858 |
| Loan and lease loss provision to assets | 3.1486% | 469 |
| Net operating income to assets | -1.9919% | 7,428 |
| Return on assets (ROA) | -1.4921% | 7,241 |
| Pretax return on assets | -2.8121% | 7,510 |
| Return on Equity (ROE) | -25.7602% | 7,637 |
| Retained earnings to average equity (ytd only) | -25.7602% | 7,603 |
| Net charge-offs to loans | 3.0378% | 539 |
| Credit loss provision to net charge-offs | 146.3040% | 3,163 |
| Earnings coverage of net charge-offs (x) | -0.2065% | 5,892 |
| Efficiency ratio | 115.4119% | 748 |
| Assets per employee ($millions) | 4.6387% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7937% | 144 |
| Loan loss allowance to noncurrent loans | 38.9170% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 9.0145% | 378 |
| Noncurrent loans to loans | 12.3178% | 208 |
| Net loans and leases to total assets | 65.8516% | 4,590 |
| Net loans and leases to deposits | 75.7015% | 5,211 |
| Net loans and leases to core deposits | 87.2285% | 5,790 |
| Total domestic deposits to total assets | 86.9885% | 2,264 |
| Equity capital to assets | 5.6578% | 7,977 |
| Core capital (leverage) ratio | 4.1907% | 8,079 |
| Tier 1 risk-based capital ratio | 6.0585% | 8,053 |
| Total risk-based capital ratio | 8.7804% | 7,970 |
| Memoranda: | ||
| Average total assets | $5,065,357,330 | 184 |
| Average earning assets | $4,563,878,330 | 181 |
| Average equity | $293,406,670 | 267 |
| Average total loans | $3,588,421,330 | 176 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6236% | 7,596 |
| Cost of funding earning assets | 2.6143% | 1,515 |
| Net interest margin | 2.0093% | 7,891 |
| Noninterest income to average assets | 1.1203% | 1,181 |
| Noninterest expense to average assets | 2.8934% | 4,179 |
| Loan and lease loss provision to assets | 4.8634% | 172 |
| Net operating income to assets | -2.5542% | 7,778 |
| Return on assets (ROA) | -2.2114% | 7,712 |
| Pretax return on assets | -4.2859% | 7,937 |
| Return on Equity (ROE) | -37.7627% | 7,970 |
| Retained earnings to average equity (ytd only) | -37.7627% | 7,944 |
| Net charge-offs to loans | 3.6334% | 334 |
| Credit loss provision to net charge-offs | 186.8575% | 2,345 |
| Earnings coverage of net charge-offs (x) | 0.0161% | 4,963 |
| Efficiency ratio | 98.5740% | 1,191 |
| Assets per employee ($millions) | 4.2755% | 3,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5989% | 141 |
| Loan loss allowance to noncurrent loans | 41.2608% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 7.8775% | 384 |
| Noncurrent loans to loans | 11.1460% | 214 |
| Net loans and leases to total assets | 64.9971% | 4,813 |
| Net loans and leases to deposits | 78.2614% | 4,881 |
| Net loans and leases to core deposits | 89.1117% | 5,635 |
| Total domestic deposits to total assets | 83.0512% | 4,123 |
| Equity capital to assets | 5.5495% | 8,067 |
| Core capital (leverage) ratio | 4.6193% | 8,142 |
| Tier 1 risk-based capital ratio | 6.2239% | 8,132 |
| Total risk-based capital ratio | 8.8410% | 8,062 |
| Memoranda: | ||
| Average total assets | $5,160,373,000 | 183 |
| Average earning assets | $4,661,085,500 | 177 |
| Average equity | $302,192,500 | 262 |
| Average total loans | $3,696,567,500 | 174 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9107% | 5,986 |
| Cost of funding earning assets | 2.9714% | 1,978 |
| Net interest margin | 2.9393% | 7,055 |
| Noninterest income to average assets | 1.4406% | 688 |
| Noninterest expense to average assets | 3.2468% | 3,160 |
| Loan and lease loss provision to assets | 3.9810% | 165 |
| Net operating income to assets | -1.8040% | 7,559 |
| Return on assets (ROA) | -1.7787% | 7,504 |
| Pretax return on assets | -3.0839% | 7,729 |
| Return on Equity (ROE) | -26.3703% | 7,890 |
| Retained earnings to average equity (ytd only) | -26.3703% | 7,837 |
| Net charge-offs to loans | 3.0878% | 284 |
| Credit loss provision to net charge-offs | 169.7164% | 3,024 |
| Earnings coverage of net charge-offs (x) | 0.3656% | 6,013 |
| Efficiency ratio | 76.1698% | 3,210 |
| Assets per employee ($millions) | 3.9781% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5966% | 258 |
| Loan loss allowance to noncurrent loans | 43.5731% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 6.5518% | 420 |
| Noncurrent loans to loans | 8.2542% | 317 |
| Net loans and leases to total assets | 72.6013% | 3,460 |
| Net loans and leases to deposits | 92.9428% | 2,965 |
| Net loans and leases to core deposits | 101.0436% | 4,717 |
| Total domestic deposits to total assets | 78.1139% | 5,674 |
| Equity capital to assets | 6.1777% | 8,026 |
| Core capital (leverage) ratio | 6.1400% | 8,039 |
| Tier 1 risk-based capital ratio | 7.6260% | 8,120 |
| Total risk-based capital ratio | 10.1363% | 7,887 |
| Memoranda: | ||
| Average total assets | $5,092,028,400 | 181 |
| Average earning assets | $4,614,576,400 | 178 |
| Average equity | $343,458,200 | 249 |
| Average total loans | $3,868,259,400 | 166 |