Home > Bank of Illinois > Performance and Condition Ratios
Bank of Illinois, 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 | 5.7583% | 2,826 |
| Cost of funding earning assets | 2.8444% | 386 |
| Net interest margin | 2.9139% | 6,835 |
| Noninterest income to average assets | 0.4894% | 4,493 |
| Noninterest expense to average assets | 2.7853% | 5,033 |
| Loan and lease loss provision to assets | 4.4121% | 273 |
| Net operating income to assets | -2.5106% | 7,273 |
| Return on assets (ROA) | -2.4443% | 7,256 |
| Pretax return on assets | -4.0431% | 7,537 |
| Return on Equity (ROE) | -49.7253% | 7,681 |
| Retained earnings to average equity (ytd only) | -49.7253% | 7,673 |
| Net charge-offs to loans | 2.9121% | 737 |
| Credit loss provision to net charge-offs | 198.4526% | 1,980 |
| Earnings coverage of net charge-offs (x) | 0.1193% | 6,041 |
| Efficiency ratio | 91.3025% | 1,615 |
| Assets per employee ($millions) | 5.1637% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7454% | 69 |
| Loan loss allowance to noncurrent loans | 83.6161% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 8.3118% | 523 |
| Noncurrent loans to loans | 8.0671% | 619 |
| Net loans and leases to total assets | 72.4185% | 2,659 |
| Net loans and leases to deposits | 77.2433% | 4,520 |
| Net loans and leases to core deposits | 104.2065% | 3,550 |
| Total domestic deposits to total assets | 93.7537% | 86 |
| Equity capital to assets | 3.8331% | 7,873 |
| Core capital (leverage) ratio | 1.2631% | 7,976 |
| Tier 1 risk-based capital ratio | 1.7349% | 7,976 |
| Total risk-based capital ratio | 3.0512% | 7,974 |
| Memoranda: | ||
| Average total assets | $232,542,600 | 2,792 |
| Average earning assets | $204,400,200 | 2,912 |
| Average equity | $11,430,800 | 4,904 |
| Average total loans | $177,532,400 | 2,545 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7270% | 3,208 |
| Cost of funding earning assets | 2.9060% | 447 |
| Net interest margin | 2.8210% | 7,020 |
| Noninterest income to average assets | 0.5266% | 4,264 |
| Noninterest expense to average assets | 2.6823% | 5,401 |
| Loan and lease loss provision to assets | 5.7538% | 119 |
| Net operating income to assets | -3.2864% | 7,648 |
| Return on assets (ROA) | -3.1999% | 7,635 |
| Pretax return on assets | -5.2805% | 7,840 |
| Return on Equity (ROE) | -62.0552% | 7,902 |
| Retained earnings to average equity (ytd only) | -62.0552% | 7,900 |
| Net charge-offs to loans | 3.9524% | 361 |
| Credit loss provision to net charge-offs | 191.4179% | 2,369 |
| Earnings coverage of net charge-offs (x) | 0.1125% | 5,923 |
| Efficiency ratio | 88.8043% | 1,794 |
| Assets per employee ($millions) | 5.6330% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3305% | 70 |
| Loan loss allowance to noncurrent loans | 91.5659% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 5.7951% | 954 |
| Noncurrent loans to loans | 6.9136% | 784 |
| Net loans and leases to total assets | 66.5853% | 4,284 |
| Net loans and leases to deposits | 70.3485% | 5,868 |
| Net loans and leases to core deposits | 93.7033% | 5,046 |
| Total domestic deposits to total assets | 94.6507% | 38 |
| Equity capital to assets | 3.3478% | 8,025 |
| Core capital (leverage) ratio | 0.8983% | 8,073 |
| Tier 1 risk-based capital ratio | 1.2825% | 8,073 |
| Total risk-based capital ratio | 2.5651% | 8,072 |
| Memoranda: | ||
| Average total assets | $237,750,500 | 2,754 |
| Average earning assets | $210,181,500 | 2,857 |
| Average equity | $12,259,750 | 4,728 |
| Average total loans | $180,813,500 | 2,534 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8846% | 2,657 |
| Cost of funding earning assets | 3.0108% | 459 |
| Net interest margin | 2.8737% | 6,860 |
| Noninterest income to average assets | 0.6086% | 3,621 |
| Noninterest expense to average assets | 2.6158% | 5,680 |
| Loan and lease loss provision to assets | 0.3598% | 3,768 |
| Net operating income to assets | 0.1191% | 5,505 |
| Return on assets (ROA) | 0.2599% | 5,146 |
| Pretax return on assets | 0.3742% | 5,005 |
| Return on Equity (ROE) | 4.5004% | 4,304 |
| Retained earnings to average equity (ytd only) | 4.5004% | 2,791 |
| Net charge-offs to loans | 0.3593% | 3,383 |
| Credit loss provision to net charge-offs | 128.7879% | 3,613 |
| Earnings coverage of net charge-offs (x) | 1.8970% | 4,159 |
| Efficiency ratio | 83.1539% | 2,585 |
| Assets per employee ($millions) | 5.6062% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3955% | 413 |
| Loan loss allowance to noncurrent loans | 45.3497% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 6.3165% | 743 |
| Noncurrent loans to loans | 7.4873% | 625 |
| Net loans and leases to total assets | 70.2991% | 3,626 |
| Net loans and leases to deposits | 77.3736% | 4,960 |
| Net loans and leases to core deposits | 101.1367% | 4,386 |
| Total domestic deposits to total assets | 90.8567% | 508 |
| Equity capital to assets | 5.5462% | 7,995 |
| Core capital (leverage) ratio | 4.8767% | 8,036 |
| Tier 1 risk-based capital ratio | 6.5836% | 8,031 |
| Total risk-based capital ratio | 7.8609% | 8,038 |
| Memoranda: | ||
| Average total assets | $236,260,670 | 2,788 |
| Average earning assets | $208,579,000 | 2,888 |
| Average equity | $13,643,330 | 4,384 |
| Average total loans | $183,690,330 | 2,526 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1684% | 1,699 |
| Cost of funding earning assets | 3.1185% | 435 |
| Net interest margin | 3.0499% | 6,338 |
| Noninterest income to average assets | 0.6907% | 2,944 |
| Noninterest expense to average assets | 2.4791% | 5,917 |
| Loan and lease loss provision to assets | 0.6492% | 1,950 |
| Net operating income to assets | 0.1782% | 5,722 |
| Return on assets (ROA) | 0.3012% | 5,470 |
| Pretax return on assets | 0.4380% | 5,281 |
| Return on Equity (ROE) | 5.1084% | 4,432 |
| Retained earnings to average equity (ytd only) | 5.1084% | 3,062 |
| Net charge-offs to loans | 0.2670% | 3,064 |
| Credit loss provision to net charge-offs | 302.4194% | 1,598 |
| Earnings coverage of net charge-offs (x) | 4.2339% | 2,935 |
| Efficiency ratio | 73.1732% | 3,978 |
| Assets per employee ($millions) | 5.3331% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3768% | 348 |
| Loan loss allowance to noncurrent loans | 58.7942% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 5.6453% | 741 |
| Noncurrent loans to loans | 5.7434% | 855 |
| Net loans and leases to total assets | 77.9982% | 1,822 |
| Net loans and leases to deposits | 87.8642% | 3,311 |
| Net loans and leases to core deposits | 112.6544% | 3,149 |
| Total domestic deposits to total assets | 88.7712% | 1,350 |
| Equity capital to assets | 5.9951% | 7,998 |
| Core capital (leverage) ratio | 4.9913% | 8,127 |
| Tier 1 risk-based capital ratio | 6.3361% | 8,128 |
| Total risk-based capital ratio | 7.6130% | 8,133 |
| Memoranda: | ||
| Average total assets | $231,054,500 | 2,862 |
| Average earning assets | $204,331,500 | 2,963 |
| Average equity | $13,624,500 | 4,417 |
| Average total loans | $185,783,500 | 2,525 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6536% | 2,229 |
| Cost of funding earning assets | 3.8050% | 197 |
| Net interest margin | 2.8486% | 7,256 |
| Noninterest income to average assets | 0.3930% | 5,530 |
| Noninterest expense to average assets | 2.2511% | 6,831 |
| Loan and lease loss provision to assets | 4.0339% | 159 |
| Net operating income to assets | -2.0094% | 7,604 |
| Return on assets (ROA) | -2.3378% | 7,630 |
| Pretax return on assets | -3.8850% | 7,876 |
| Return on Equity (ROE) | -31.6622% | 7,985 |
| Retained earnings to average equity (ytd only) | -33.1748% | 7,961 |
| Net charge-offs to loans | 2.4263% | 409 |
| Credit loss provision to net charge-offs | 207.6437% | 2,333 |
| Earnings coverage of net charge-offs (x) | 0.3408% | 6,027 |
| Efficiency ratio | 77.2727% | 3,043 |
| Assets per employee ($millions) | 5.1730% | 1,754 |
| Cash dividends to net income (ytd only)* | -4.7774% | 7,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2180% | 360 |
| Loan loss allowance to noncurrent loans | 95.9693% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 3.7893% | 1,131 |
| Noncurrent loans to loans | 3.3532% | 1,541 |
| Net loans and leases to total assets | 77.5168% | 2,260 |
| Net loans and leases to deposits | 87.8854% | 3,821 |
| Net loans and leases to core deposits | 109.0649% | 3,859 |
| Total domestic deposits to total assets | 88.2021% | 1,383 |
| Equity capital to assets | 5.7997% | 8,095 |
| Core capital (leverage) ratio | 4.8338% | 8,224 |
| Tier 1 risk-based capital ratio | 6.1094% | 8,227 |
| Total risk-based capital ratio | 7.3840% | 8,228 |
| Memoranda: | ||
| Average total assets | $236,372,400 | 2,685 |
| Average earning assets | $209,120,600 | 2,783 |
| Average equity | $17,453,000 | 3,655 |
| Average total loans | $189,256,200 | 2,401 |