Home > Bank of Bellevue > Performance and Condition Ratios
Bank of Bellevue, 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 | 4.7147% | 7,116 |
| Cost of funding earning assets | 1.6383% | 4,854 |
| Net interest margin | 3.0764% | 6,449 |
| Noninterest income to average assets | 0.0554% | 7,482 |
| Noninterest expense to average assets | 3.4066% | 2,659 |
| Loan and lease loss provision to assets | 1.9150% | 1,159 |
| Net operating income to assets | -3.4459% | 7,496 |
| Return on assets (ROA) | -3.4459% | 7,501 |
| Pretax return on assets | -2.3276% | 7,076 |
| Return on Equity (ROE) | -32.7927% | 7,450 |
| Retained earnings to average equity (ytd only) | -32.7927% | 7,433 |
| Net charge-offs to loans | 1.3279% | 1,877 |
| Credit loss provision to net charge-offs | 183.2479% | 2,239 |
| Earnings coverage of net charge-offs (x) | -0.3949% | 6,624 |
| Efficiency ratio | 113.7828% | 714 |
| Assets per employee ($millions) | 5.9201% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3512% | 597 |
| Loan loss allowance to noncurrent loans | 54.0639% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 4.6414% | 1,377 |
| Noncurrent loans to loans | 6.1986% | 1,003 |
| Net loans and leases to total assets | 72.3691% | 2,668 |
| Net loans and leases to deposits | 79.7151% | 4,045 |
| Net loans and leases to core deposits | 103.0769% | 3,680 |
| Total domestic deposits to total assets | 90.7847% | 621 |
| Equity capital to assets | 9.0764% | 5,019 |
| Core capital (leverage) ratio | 8.9136% | 4,571 |
| Tier 1 risk-based capital ratio | 12.5356% | 4,492 |
| Total risk-based capital ratio | 13.8136% | 4,413 |
| Memoranda: | ||
| Average total assets | $55,980,200 | 6,494 |
| Average earning assets | $53,471,000 | 6,396 |
| Average equity | $5,882,400 | 6,642 |
| Average total loans | $44,054,400 | 5,931 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8193% | 7,083 |
| Cost of funding earning assets | 1.7379% | 4,708 |
| Net interest margin | 3.0814% | 6,363 |
| Noninterest income to average assets | 0.0612% | 7,601 |
| Noninterest expense to average assets | 3.4077% | 2,554 |
| Loan and lease loss provision to assets | 1.7391% | 1,058 |
| Net operating income to assets | -3.6171% | 7,703 |
| Return on assets (ROA) | -3.6171% | 7,705 |
| Pretax return on assets | -2.1439% | 7,228 |
| Return on Equity (ROE) | -33.3542% | 7,668 |
| Retained earnings to average equity (ytd only) | -33.3542% | 7,661 |
| Net charge-offs to loans | 1.6528% | 1,229 |
| Credit loss provision to net charge-offs | 132.2004% | 3,782 |
| Earnings coverage of net charge-offs (x) | -0.3077% | 6,362 |
| Efficiency ratio | 113.4796% | 706 |
| Assets per employee ($millions) | 6.3437% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5217% | 1,037 |
| Loan loss allowance to noncurrent loans | 38.5191% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 4.6836% | 1,281 |
| Noncurrent loans to loans | 6.5465% | 876 |
| Net loans and leases to total assets | 69.7388% | 3,573 |
| Net loans and leases to deposits | 76.9421% | 4,905 |
| Net loans and leases to core deposits | 92.4406% | 5,189 |
| Total domestic deposits to total assets | 90.6381% | 540 |
| Equity capital to assets | 9.1570% | 5,244 |
| Core capital (leverage) ratio | 8.7929% | 4,989 |
| Tier 1 risk-based capital ratio | 13.1525% | 4,083 |
| Total risk-based capital ratio | 14.4180% | 4,009 |
| Memoranda: | ||
| Average total assets | $56,655,000 | 6,517 |
| Average earning assets | $54,086,500 | 6,417 |
| Average equity | $6,144,000 | 6,615 |
| Average total loans | $45,094,000 | 5,923 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0142% | 6,718 |
| Cost of funding earning assets | 1.7552% | 4,975 |
| Net interest margin | 3.2590% | 5,700 |
| Noninterest income to average assets | 0.0708% | 7,631 |
| Noninterest expense to average assets | 3.4614% | 2,456 |
| Loan and lease loss provision to assets | 3.3765% | 426 |
| Net operating income to assets | -2.4067% | 7,537 |
| Return on assets (ROA) | -2.4067% | 7,531 |
| Pretax return on assets | -3.6454% | 7,698 |
| Return on Equity (ROE) | -21.0875% | 7,531 |
| Retained earnings to average equity (ytd only) | -21.0875% | 7,485 |
| Net charge-offs to loans | 2.4038% | 740 |
| Credit loss provision to net charge-offs | 170.6619% | 2,695 |
| Earnings coverage of net charge-offs (x) | -0.1360% | 5,829 |
| Efficiency ratio | 108.4257% | 897 |
| Assets per employee ($millions) | 6.2613% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9605% | 586 |
| Loan loss allowance to noncurrent loans | 85.5082% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 2.5838% | 2,490 |
| Noncurrent loans to loans | 3.4623% | 2,032 |
| Net loans and leases to total assets | 72.4162% | 3,111 |
| Net loans and leases to deposits | 81.3865% | 4,324 |
| Net loans and leases to core deposits | 95.3926% | 4,967 |
| Total domestic deposits to total assets | 88.9782% | 1,280 |
| Equity capital to assets | 10.7982% | 3,118 |
| Core capital (leverage) ratio | 9.4537% | 3,955 |
| Tier 1 risk-based capital ratio | 12.3878% | 4,611 |
| Total risk-based capital ratio | 13.6588% | 4,520 |
| Memoranda: | ||
| Average total assets | $56,509,000 | 6,573 |
| Average earning assets | $54,126,330 | 6,462 |
| Average equity | $6,449,330 | 6,550 |
| Average total loans | $46,510,000 | 5,913 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1704% | 6,410 |
| Cost of funding earning assets | 1.8755% | 4,766 |
| Net interest margin | 3.2949% | 5,513 |
| Noninterest income to average assets | 0.1060% | 7,506 |
| Noninterest expense to average assets | 3.6050% | 1,854 |
| Loan and lease loss provision to assets | 2.5235% | 459 |
| Net operating income to assets | -1.8873% | 7,629 |
| Return on assets (ROA) | -1.8873% | 7,631 |
| Pretax return on assets | -2.8558% | 7,729 |
| Return on Equity (ROE) | -16.1050% | 7,647 |
| Retained earnings to average equity (ytd only) | -16.1050% | 7,496 |
| Net charge-offs to loans | 0.1395% | 3,839 |
| Credit loss provision to net charge-offs | 2,100.0000% | 304 |
| Earnings coverage of net charge-offs (x) | -2.7647% | 5,509 |
| Efficiency ratio | 110.1512% | 806 |
| Assets per employee ($millions) | 7.1658% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4466% | 809 |
| Loan loss allowance to noncurrent loans | 838.0282% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 6,771 |
| Noncurrent loans to loans | 0.2919% | 6,710 |
| Net loans and leases to total assets | 82.7705% | 889 |
| Net loans and leases to deposits | 93.5527% | 2,351 |
| Net loans and leases to core deposits | 115.2458% | 2,879 |
| Total domestic deposits to total assets | 88.4747% | 1,499 |
| Equity capital to assets | 11.3352% | 2,697 |
| Core capital (leverage) ratio | 10.4682% | 2,967 |
| Tier 1 risk-based capital ratio | 11.6074% | 5,296 |
| Total risk-based capital ratio | 12.8724% | 5,189 |
| Memoranda: | ||
| Average total assets | $56,587,500 | 6,600 |
| Average earning assets | $54,386,500 | 6,479 |
| Average equity | $6,631,500 | 6,535 |
| Average total loans | $48,738,500 | 5,851 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0275% | 5,421 |
| Cost of funding earning assets | 2.2197% | 5,512 |
| Net interest margin | 3.8079% | 3,987 |
| Noninterest income to average assets | 0.1858% | 7,119 |
| Noninterest expense to average assets | 3.7712% | 1,811 |
| Loan and lease loss provision to assets | 0.4525% | 3,026 |
| Net operating income to assets | -0.2969% | 6,732 |
| Return on assets (ROA) | -0.2969% | 6,590 |
| Pretax return on assets | -0.4444% | 6,597 |
| Return on Equity (ROE) | -2.1654% | 6,530 |
| Retained earnings to average equity (ytd only) | -2.1654% | 5,918 |
| Net charge-offs to loans | 0.0918% | 5,419 |
| Credit loss provision to net charge-offs | 574.3590% | 758 |
| Earnings coverage of net charge-offs (x) | 0.1026% | 6,185 |
| Efficiency ratio | 99.7862% | 992 |
| Assets per employee ($millions) | 5.0772% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7404% | 1,797 |
| Loan loss allowance to noncurrent loans | 500.0000% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 6,382 |
| Noncurrent loans to loans | 0.3481% | 6,330 |
| Net loans and leases to total assets | 85.9245% | 614 |
| Net loans and leases to deposits | 98.0908% | 2,116 |
| Net loans and leases to core deposits | 137.7580% | 1,388 |
| Total domestic deposits to total assets | 87.5969% | 1,671 |
| Equity capital to assets | 12.1130% | 2,218 |
| Core capital (leverage) ratio | 10.9315% | 2,644 |
| Tier 1 risk-based capital ratio | 11.9895% | 4,836 |
| Total risk-based capital ratio | 13.2453% | 4,713 |
| Memoranda: | ||
| Average total assets | $49,506,800 | 6,800 |
| Average earning assets | $46,719,000 | 6,727 |
| Average equity | $6,788,600 | 6,532 |
| Average total loans | $42,478,400 | 6,049 |