Home > Bank of Auburn Hills > Performance and Condition Ratios
Bank of Auburn Hills, Performance and Condition Ratios
| 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 | 5.6629% | 3,287 |
| Cost of funding earning assets | 2.7392% | 530 |
| Net interest margin | 2.9236% | 6,815 |
| Noninterest income to average assets | -0.3913% | 7,917 |
| Noninterest expense to average assets | 4.8076% | 605 |
| Loan and lease loss provision to assets | 4.7011% | 236 |
| Net operating income to assets | -9.7539% | 7,973 |
| Return on assets (ROA) | -9.7539% | 7,973 |
| Pretax return on assets | -7.1904% | 7,878 |
| Return on Equity (ROE) | -92.7723% | 7,912 |
| Retained earnings to average equity (ytd only) | -92.7723% | 7,910 |
| Net charge-offs to loans | 3.1490% | 655 |
| Credit loss provision to net charge-offs | 173.9688% | 2,425 |
| Earnings coverage of net charge-offs (x) | -0.9212% | 6,867 |
| Efficiency ratio | 207.3718% | 126 |
| Assets per employee ($millions) | 5.0781% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8924% | 103 |
| Loan loss allowance to noncurrent loans | 111.1455% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 10.2456% | 352 |
| Noncurrent loans to loans | 5.3015% | 1,238 |
| Net loans and leases to total assets | 80.6482% | 885 |
| Net loans and leases to deposits | 86.0746% | 2,904 |
| Net loans and leases to core deposits | 123.5104% | 1,675 |
| Total domestic deposits to total assets | 93.6957% | 90 |
| Equity capital to assets | 5.9105% | 7,676 |
| Core capital (leverage) ratio | 5.9283% | 7,646 |
| Tier 1 risk-based capital ratio | 6.8967% | 7,761 |
| Total risk-based capital ratio | 8.2031% | 7,759 |
| Memoranda: | ||
| Average total assets | $40,373,400 | 7,079 |
| Average earning assets | $37,419,200 | 7,036 |
| Average equity | $4,244,800 | 7,195 |
| Average total loans | $34,646,400 | 6,369 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5946% | 3,894 |
| Cost of funding earning assets | 2.7869% | 616 |
| Net interest margin | 2.8077% | 7,045 |
| Noninterest income to average assets | -0.3591% | 8,022 |
| Noninterest expense to average assets | 4.5469% | 702 |
| Loan and lease loss provision to assets | 5.0985% | 162 |
| Net operating income to assets | -10.7228% | 8,052 |
| Return on assets (ROA) | -10.7228% | 8,052 |
| Pretax return on assets | -7.4040% | 7,979 |
| Return on Equity (ROE) | -93.2607% | 8,000 |
| Retained earnings to average equity (ytd only) | -93.2607% | 7,999 |
| Net charge-offs to loans | 3.5600% | 416 |
| Credit loss provision to net charge-offs | 166.8416% | 2,810 |
| Earnings coverage of net charge-offs (x) | -0.7545% | 6,581 |
| Efficiency ratio | 202.8612% | 148 |
| Assets per employee ($millions) | 5.1607% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1841% | 123 |
| Loan loss allowance to noncurrent loans | 105.7254% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 9.6720% | 368 |
| Noncurrent loans to loans | 4.9033% | 1,372 |
| Net loans and leases to total assets | 82.2727% | 766 |
| Net loans and leases to deposits | 89.0330% | 2,775 |
| Net loans and leases to core deposits | 129.4525% | 1,470 |
| Total domestic deposits to total assets | 92.4069% | 128 |
| Equity capital to assets | 7.1834% | 7,501 |
| Core capital (leverage) ratio | 6.3742% | 7,715 |
| Tier 1 risk-based capital ratio | 8.3099% | 7,754 |
| Total risk-based capital ratio | 9.6100% | 7,768 |
| Memoranda: | ||
| Average total assets | $41,580,000 | 7,085 |
| Average earning assets | $38,512,500 | 7,054 |
| Average equity | $4,780,750 | 7,086 |
| Average total loans | $35,692,250 | 6,366 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4697% | 4,786 |
| Cost of funding earning assets | 2.7946% | 805 |
| Net interest margin | 2.6751% | 7,256 |
| Noninterest income to average assets | -0.2258% | 8,073 |
| Noninterest expense to average assets | 4.2628% | 997 |
| Loan and lease loss provision to assets | 4.6315% | 238 |
| Net operating income to assets | -4.3873% | 7,879 |
| Return on assets (ROA) | -4.3873% | 7,879 |
| Pretax return on assets | -6.6454% | 7,999 |
| Return on Equity (ROE) | -34.5596% | 7,779 |
| Retained earnings to average equity (ytd only) | -34.5596% | 7,756 |
| Net charge-offs to loans | 3.6779% | 405 |
| Credit loss provision to net charge-offs | 147.1449% | 3,142 |
| Earnings coverage of net charge-offs (x) | -0.6398% | 6,136 |
| Efficiency ratio | 189.5492% | 218 |
| Assets per employee ($millions) | 5.9343% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8520% | 294 |
| Loan loss allowance to noncurrent loans | 81.1146% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 8.1849% | 457 |
| Noncurrent loans to loans | 4.7489% | 1,326 |
| Net loans and leases to total assets | 78.7145% | 1,588 |
| Net loans and leases to deposits | 90.0102% | 2,833 |
| Net loans and leases to core deposits | 134.1511% | 1,308 |
| Total domestic deposits to total assets | 87.4506% | 2,032 |
| Equity capital to assets | 12.0053% | 2,198 |
| Core capital (leverage) ratio | 8.4244% | 5,575 |
| Tier 1 risk-based capital ratio | 10.1234% | 6,804 |
| Total risk-based capital ratio | 11.4042% | 6,693 |
| Memoranda: | ||
| Average total assets | $43,398,330 | 7,083 |
| Average earning assets | $40,148,670 | 7,048 |
| Average equity | $5,509,330 | 6,895 |
| Average total loans | $37,141,000 | 6,334 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2998% | 5,892 |
| Cost of funding earning assets | 2.8663% | 837 |
| Net interest margin | 2.4335% | 7,582 |
| Noninterest income to average assets | 0.2075% | 6,809 |
| Noninterest expense to average assets | 4.0787% | 1,089 |
| Loan and lease loss provision to assets | 3.0139% | 358 |
| Net operating income to assets | -3.0410% | 7,851 |
| Return on assets (ROA) | -3.0410% | 7,853 |
| Pretax return on assets | -4.6021% | 7,957 |
| Return on Equity (ROE) | -23.3602% | 7,816 |
| Retained earnings to average equity (ytd only) | -23.3602% | 7,730 |
| Net charge-offs to loans | 1.7258% | 838 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | -1.0539% | 5,371 |
| Efficiency ratio | 163.7681% | 292 |
| Assets per employee ($millions) | 7.4645% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0799% | 452 |
| Loan loss allowance to noncurrent loans | 39.5413% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 8.6454% | 307 |
| Noncurrent loans to loans | 7.7891% | 468 |
| Net loans and leases to total assets | 81.1530% | 1,174 |
| Net loans and leases to deposits | 93.1997% | 2,400 |
| Net loans and leases to core deposits | 129.8071% | 1,667 |
| Total domestic deposits to total assets | 87.0744% | 2,177 |
| Equity capital to assets | 12.5081% | 1,965 |
| Core capital (leverage) ratio | 10.3410% | 3,076 |
| Tier 1 risk-based capital ratio | 12.0974% | 4,875 |
| Total risk-based capital ratio | 13.3721% | 4,754 |
| Memoranda: | ||
| Average total assets | $44,327,500 | 7,090 |
| Average earning assets | $41,586,500 | 7,036 |
| Average equity | $5,770,500 | 6,850 |
| Average total loans | $38,707,500 | 6,291 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1792% | 4,620 |
| Cost of funding earning assets | 3.4940% | 529 |
| Net interest margin | 2.6852% | 7,522 |
| Noninterest income to average assets | 0.2028% | 7,001 |
| Noninterest expense to average assets | 3.3255% | 2,879 |
| Loan and lease loss provision to assets | 2.6203% | 387 |
| Net operating income to assets | -2.1090% | 7,628 |
| Return on assets (ROA) | -2.1090% | 7,589 |
| Pretax return on assets | -3.1823% | 7,750 |
| Return on Equity (ROE) | -14.8672% | 7,580 |
| Retained earnings to average equity (ytd only) | -14.8672% | 7,447 |
| Net charge-offs to loans | 2.5747% | 361 |
| Credit loss provision to net charge-offs | 116.4545% | 4,629 |
| Earnings coverage of net charge-offs (x) | -0.2498% | 6,396 |
| Efficiency ratio | 120.3349% | 569 |
| Assets per employee ($millions) | 4.8742% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4753% | 701 |
| Loan loss allowance to noncurrent loans | 34.1160% | 6,451 |
| Noncurrent assets plus other real estate owned to assets | 7.9397% | 296 |
| Noncurrent loans to loans | 7.2556% | 402 |
| Net loans and leases to total assets | 88.7344% | 302 |
| Net loans and leases to deposits | 103.3589% | 1,418 |
| Net loans and leases to core deposits | 130.3399% | 1,828 |
| Total domestic deposits to total assets | 85.8507% | 2,474 |
| Equity capital to assets | 13.5383% | 1,585 |
| Core capital (leverage) ratio | 11.0548% | 2,549 |
| Tier 1 risk-based capital ratio | 12.6395% | 4,331 |
| Total risk-based capital ratio | 13.9050% | 4,239 |
| Memoranda: | ||
| Average total assets | $45,376,000 | 6,965 |
| Average earning assets | $43,274,200 | 6,885 |
| Average equity | $6,437,000 | 6,662 |
| Average total loans | $39,655,200 | 6,175 |