Home > Bank of Lincolnwood > Performance and Condition Ratios
Bank of Lincolnwood, Performance and Condition Ratios
| 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 | 3.2962% | 8,116 |
| Cost of funding earning assets | 2.2343% | 2,991 |
| Net interest margin | 1.0619% | 8,153 |
| Noninterest income to average assets | -3.2264% | 8,237 |
| Noninterest expense to average assets | 3.7505% | 1,561 |
| Loan and lease loss provision to assets | 18.4961% | 11 |
| Net operating income to assets | -24.1628% | 8,230 |
| Return on assets (ROA) | -24.1628% | 8,225 |
| Pretax return on assets | -24.5271% | 8,224 |
| Return on Equity (ROE) | -564.9231% | 8,242 |
| Retained earnings to average equity (ytd only) | -577.9588% | 8,242 |
| Net charge-offs to loans | 13.5267% | 31 |
| Credit loss provision to net charge-offs | 160.3093% | 2,646 |
| Earnings coverage of net charge-offs (x) | -0.5227% | 5,258 |
| Efficiency ratio | -164.4662% | 8,238 |
| Assets per employee ($millions) | 3.9392% | 3,794 |
| Cash dividends to net income (ytd only)* | -2.3075% | 8,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3266% | 93 |
| Loan loss allowance to noncurrent loans | 26.0675% | 6,833 |
| Noncurrent assets plus other real estate owned to assets | 23.1269% | 23 |
| Noncurrent loans to loans | 20.4340% | 44 |
| Net loans and leases to total assets | 82.7861% | 886 |
| Net loans and leases to deposits | 84.1441% | 3,959 |
| Net loans and leases to core deposits | 99.9092% | 4,548 |
| Total domestic deposits to total assets | 98.3861% | 10 |
| Equity capital to assets | 1.2204% | 8,228 |
| Core capital (leverage) ratio | 1.1560% | 8,231 |
| Tier 1 risk-based capital ratio | 1.3292% | 8,235 |
| Total risk-based capital ratio | 2.6252% | 8,234 |
| Memoranda: | ||
| Average total assets | $215,223,500 | 3,051 |
| Average earning assets | $191,734,500 | 3,130 |
| Average equity | $9,205,500 | 5,628 |
| Average total loans | $183,578,000 | 2,546 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6040% | 2,471 |
| Cost of funding earning assets | 2.4481% | 4,480 |
| Net interest margin | 4.1559% | 2,478 |
| Noninterest income to average assets | 0.5208% | 4,462 |
| Noninterest expense to average assets | 3.2006% | 3,333 |
| Loan and lease loss provision to assets | 1.5674% | 848 |
| Net operating income to assets | -0.4393% | 6,867 |
| Return on assets (ROA) | -0.4393% | 6,743 |
| Pretax return on assets | -0.4460% | 6,600 |
| Return on Equity (ROE) | -5.5205% | 6,915 |
| Retained earnings to average equity (ytd only) | -17.1842% | 7,575 |
| Net charge-offs to loans | 0.2556% | 3,716 |
| Credit loss provision to net charge-offs | 735.5180% | 569 |
| Earnings coverage of net charge-offs (x) | 5.2622% | 3,712 |
| Efficiency ratio | 74.0540% | 3,563 |
| Assets per employee ($millions) | 4.0320% | 3,446 |
| Cash dividends to net income (ytd only)* | -211.2821% | 8,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4028% | 306 |
| Loan loss allowance to noncurrent loans | 18.9510% | 7,278 |
| Noncurrent assets plus other real estate owned to assets | 18.7283% | 36 |
| Noncurrent loans to loans | 17.9556% | 49 |
| Net loans and leases to total assets | 80.3673% | 1,576 |
| Net loans and leases to deposits | 86.9982% | 3,948 |
| Net loans and leases to core deposits | 104.7294% | 4,328 |
| Total domestic deposits to total assets | 92.3781% | 94 |
| Equity capital to assets | 7.2636% | 7,581 |
| Core capital (leverage) ratio | 7.1746% | 7,548 |
| Tier 1 risk-based capital ratio | 8.1077% | 8,065 |
| Total risk-based capital ratio | 9.3812% | 8,101 |
| Memoranda: | ||
| Average total assets | $221,956,400 | 2,854 |
| Average earning assets | $203,014,200 | 2,866 |
| Average equity | $17,661,600 | 3,613 |
| Average total loans | $185,047,600 | 2,452 |