Home > Borel Private Bank & Trust Company > Performance and Condition Ratios
Borel Private Bank & Trust Company, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5615% | 5,121 |
| Cost of funding earning assets | 0.5377% | 6,839 |
| Net interest margin | 4.0237% | 2,593 |
| Noninterest income to average assets | 0.4954% | 3,928 |
| Noninterest expense to average assets | 3.0239% | 3,540 |
| Loan and lease loss provision to assets | 2.7370% | 182 |
| Net operating income to assets | -0.8520% | 6,983 |
| Return on assets (ROA) | -0.8520% | 6,987 |
| Pretax return on assets | -1.4727% | 7,150 |
| Return on Equity (ROE) | -10.5437% | 7,042 |
| Retained earnings to average equity (ytd only) | -10.5437% | 6,892 |
| Net charge-offs to loans | 3.6215% | 275 |
| Credit loss provision to net charge-offs | 95.6768% | 2,837 |
| Earnings coverage of net charge-offs (x) | 0.4420% | 4,293 |
| Efficiency ratio | 70.5159% | 4,160 |
| Assets per employee ($millions) | 7.5629% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7782% | 495 |
| Loan loss allowance to noncurrent loans | 68.4140% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 4.8676% | 1,305 |
| Noncurrent loans to loans | 5.5225% | 1,186 |
| Net loans and leases to total assets | 76.4437% | 975 |
| Net loans and leases to deposits | 87.0141% | 1,592 |
| Net loans and leases to core deposits | 106.9629% | 897 |
| Total domestic deposits to total assets | 87.8520% | 2,460 |
| Equity capital to assets | 8.2839% | 6,180 |
| Core capital (leverage) ratio | 7.4652% | 6,751 |
| Tier 1 risk-based capital ratio | 10.6284% | 6,734 |
| Total risk-based capital ratio | 11.9154% | 6,699 |
| Memoranda: | ||
| Average total assets | $1,578,374,500 | 436 |
| Average earning assets | $1,487,768,500 | 406 |
| Average equity | $127,545,000 | 548 |
| Average total loans | $1,246,765,500 | 353 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0874% | 4,149 |
| Cost of funding earning assets | 0.7372% | 6,771 |
| Net interest margin | 4.3502% | 1,646 |
| Noninterest income to average assets | 0.2573% | 5,961 |
| Noninterest expense to average assets | 2.5094% | 5,759 |
| Loan and lease loss provision to assets | 4.9005% | 81 |
| Net operating income to assets | -1.7409% | 6,980 |
| Return on assets (ROA) | -1.7409% | 7,002 |
| Pretax return on assets | -3.0035% | 7,293 |
| Return on Equity (ROE) | -21.0869% | 7,059 |
| Retained earnings to average equity (ytd only) | -21.0869% | 7,032 |
| Net charge-offs to loans | 3.9858% | 319 |
| Credit loss provision to net charge-offs | 147.7022% | 2,478 |
| Earnings coverage of net charge-offs (x) | 0.5718% | 5,534 |
| Efficiency ratio | 56.9487% | 6,467 |
| Assets per employee ($millions) | 8.2657% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5865% | 553 |
| Loan loss allowance to noncurrent loans | 76.3855% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 4.3126% | 1,548 |
| Noncurrent loans to loans | 4.6953% | 1,482 |
| Net loans and leases to total assets | 75.7502% | 1,326 |
| Net loans and leases to deposits | 88.6938% | 1,696 |
| Net loans and leases to core deposits | 110.6370% | 887 |
| Total domestic deposits to total assets | 85.4064% | 3,659 |
| Equity capital to assets | 7.8921% | 6,591 |
| Core capital (leverage) ratio | 7.4362% | 6,758 |
| Tier 1 risk-based capital ratio | 10.6072% | 6,633 |
| Total risk-based capital ratio | 11.8918% | 6,576 |
| Memoranda: | ||
| Average total assets | $1,653,407,800 | 413 |
| Average earning assets | $1,576,942,200 | 390 |
| Average equity | $136,506,400 | 507 |
| Average total loans | $1,376,301,200 | 340 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1915% | 3,872 |
| Cost of funding earning assets | 0.7833% | 6,813 |
| Net interest margin | 4.4082% | 1,500 |
| Noninterest income to average assets | 0.1938% | 6,499 |
| Noninterest expense to average assets | 2.4778% | 5,795 |
| Loan and lease loss provision to assets | 4.0841% | 149 |
| Net operating income to assets | -1.2494% | 6,998 |
| Return on assets (ROA) | -1.2494% | 7,029 |
| Pretax return on assets | -2.1549% | 7,234 |
| Return on Equity (ROE) | -14.9702% | 7,103 |
| Retained earnings to average equity (ytd only) | -14.9702% | 7,076 |
| Net charge-offs to loans | 1.9920% | 949 |
| Credit loss provision to net charge-offs | 242.9426% | 1,388 |
| Earnings coverage of net charge-offs (x) | 1.1476% | 4,914 |
| Efficiency ratio | 56.2238% | 6,526 |
| Assets per employee ($millions) | 8.4716% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5800% | 510 |
| Loan loss allowance to noncurrent loans | 50.0377% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 6.1605% | 960 |
| Noncurrent loans to loans | 7.1545% | 767 |
| Net loans and leases to total assets | 79.5994% | 805 |
| Net loans and leases to deposits | 92.6174% | 1,373 |
| Net loans and leases to core deposits | 123.5899% | 512 |
| Total domestic deposits to total assets | 85.9443% | 3,108 |
| Equity capital to assets | 7.5580% | 7,090 |
| Core capital (leverage) ratio | 7.5892% | 6,775 |
| Tier 1 risk-based capital ratio | 9.5091% | 7,254 |
| Total risk-based capital ratio | 10.7951% | 7,240 |
| Memoranda: | ||
| Average total assets | $1,657,607,750 | 406 |
| Average earning assets | $1,584,322,000 | 384 |
| Average equity | $138,342,250 | 493 |
| Average total loans | $1,398,913,750 | 339 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2563% | 3,676 |
| Cost of funding earning assets | 0.8769% | 6,664 |
| Net interest margin | 4.3794% | 1,509 |
| Noninterest income to average assets | 0.0482% | 7,340 |
| Noninterest expense to average assets | 2.4350% | 5,961 |
| Loan and lease loss provision to assets | 2.2782% | 514 |
| Net operating income to assets | -0.2762% | 6,448 |
| Return on assets (ROA) | -0.2762% | 6,493 |
| Pretax return on assets | -0.4748% | 6,566 |
| Return on Equity (ROE) | -3.2060% | 6,536 |
| Retained earnings to average equity (ytd only) | -3.2060% | 6,327 |
| Net charge-offs to loans | 1.2851% | 1,484 |
| Credit loss provision to net charge-offs | 208.5184% | 1,865 |
| Earnings coverage of net charge-offs (x) | 1.6506% | 4,263 |
| Efficiency ratio | 57.4508% | 6,459 |
| Assets per employee ($millions) | 8.1891% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0958% | 1,968 |
| Loan loss allowance to noncurrent loans | 54.6354% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 3.5662% | 1,971 |
| Noncurrent loans to loans | 3.8360% | 2,006 |
| Net loans and leases to total assets | 85.1948% | 278 |
| Net loans and leases to deposits | 93.7442% | 1,311 |
| Net loans and leases to core deposits | 125.8393% | 516 |
| Total domestic deposits to total assets | 90.8801% | 536 |
| Equity capital to assets | 8.6085% | 5,997 |
| Core capital (leverage) ratio | 8.4948% | 5,416 |
| Tier 1 risk-based capital ratio | 10.3341% | 6,811 |
| Total risk-based capital ratio | 11.5988% | 6,783 |
| Memoranda: | ||
| Average total assets | $1,648,195,330 | 411 |
| Average earning assets | $1,577,003,670 | 392 |
| Average equity | $141,984,000 | 474 |
| Average total loans | $1,401,303,000 | 340 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2449% | 3,807 |
| Cost of funding earning assets | 0.9809% | 6,460 |
| Net interest margin | 4.2640% | 1,807 |
| Noninterest income to average assets | -0.1154% | 7,764 |
| Noninterest expense to average assets | 2.4290% | 5,986 |
| Loan and lease loss provision to assets | 1.4057% | 849 |
| Net operating income to assets | 0.0741% | 6,099 |
| Return on assets (ROA) | 0.0741% | 6,208 |
| Pretax return on assets | 0.1296% | 6,062 |
| Return on Equity (ROE) | 0.8597% | 6,156 |
| Retained earnings to average equity (ytd only) | 0.8597% | 5,466 |
| Net charge-offs to loans | 0.5135% | 2,526 |
| Credit loss provision to net charge-offs | 325.7830% | 1,215 |
| Earnings coverage of net charge-offs (x) | 3.5582% | 2,868 |
| Efficiency ratio | 61.2711% | 5,947 |
| Assets per employee ($millions) | 8.7089% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7131% | 3,013 |
| Loan loss allowance to noncurrent loans | 57.7003% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 2.9625% | 2,428 |
| Noncurrent loans to loans | 2.9690% | 2,706 |
| Net loans and leases to total assets | 81.4526% | 655 |
| Net loans and leases to deposits | 91.1181% | 1,741 |
| Net loans and leases to core deposits | 124.9398% | 617 |
| Total domestic deposits to total assets | 89.3924% | 1,304 |
| Equity capital to assets | 8.4742% | 6,038 |
| Core capital (leverage) ratio | 8.4228% | 5,518 |
| Tier 1 risk-based capital ratio | 10.4341% | 6,694 |
| Total risk-based capital ratio | 11.6921% | 6,687 |
| Memoranda: | ||
| Average total assets | $1,657,480,500 | 420 |
| Average earning assets | $1,585,849,000 | 404 |
| Average equity | $142,833,000 | 478 |
| Average total loans | $1,392,916,500 | 353 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8262% | 2,545 |
| Cost of funding earning assets | 1.4095% | 5,891 |
| Net interest margin | 4.4167% | 1,390 |
| Noninterest income to average assets | 0.4686% | 4,661 |
| Noninterest expense to average assets | 2.3983% | 6,472 |
| Loan and lease loss provision to assets | 0.9051% | 2,486 |
| Net operating income to assets | 0.8093% | 2,499 |
| Return on assets (ROA) | 0.8163% | 2,557 |
| Pretax return on assets | 1.4110% | 1,403 |
| Return on Equity (ROE) | 9.0438% | 2,012 |
| Retained earnings to average equity (ytd only) | 9.0438% | 493 |
| Net charge-offs to loans | 0.6114% | 3,382 |
| Credit loss provision to net charge-offs | 164.0754% | 2,665 |
| Earnings coverage of net charge-offs (x) | 4.1787% | 3,028 |
| Efficiency ratio | 50.9914% | 7,475 |
| Assets per employee ($millions) | 8.5549% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 4,033 |
| Loan loss allowance to noncurrent loans | 53.0798% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 2.8674% | 2,447 |
| Noncurrent loans to loans | 2.7122% | 2,847 |
| Net loans and leases to total assets | 84.0227% | 428 |
| Net loans and leases to deposits | 94.3873% | 1,551 |
| Net loans and leases to core deposits | 163.8377% | 299 |
| Total domestic deposits to total assets | 89.0191% | 1,476 |
| Equity capital to assets | 8.7664% | 5,489 |
| Core capital (leverage) ratio | 8.6594% | 4,996 |
| Tier 1 risk-based capital ratio | 10.4759% | 6,417 |
| Total risk-based capital ratio | 11.7299% | 6,386 |
| Memoranda: | ||
| Average total assets | $1,520,462,600 | 452 |
| Average earning assets | $1,457,800,800 | 429 |
| Average equity | $137,243,400 | 489 |
| Average total loans | $1,371,660,000 | 360 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9920% | 2,070 |
| Cost of funding earning assets | 1.4624% | 5,991 |
| Net interest margin | 4.5296% | 1,123 |
| Noninterest income to average assets | 0.5137% | 4,376 |
| Noninterest expense to average assets | 2.4973% | 6,074 |
| Loan and lease loss provision to assets | 0.8049% | 2,354 |
| Net operating income to assets | 0.9004% | 2,422 |
| Return on assets (ROA) | 0.9100% | 2,457 |
| Pretax return on assets | 1.5730% | 1,239 |
| Return on Equity (ROE) | 10.0028% | 1,907 |
| Retained earnings to average equity (ytd only) | 10.0028% | 632 |
| Net charge-offs to loans | 0.1413% | 5,288 |
| Credit loss provision to net charge-offs | 622.1379% | 607 |
| Earnings coverage of net charge-offs (x) | 18.2634% | 1,356 |
| Efficiency ratio | 51.3815% | 7,457 |
| Assets per employee ($millions) | 8.5884% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 2,931 |
| Loan loss allowance to noncurrent loans | 51.8460% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 3.0506% | 2,264 |
| Noncurrent loans to loans | 3.1193% | 2,419 |
| Net loans and leases to total assets | 83.8867% | 555 |
| Net loans and leases to deposits | 94.3819% | 1,809 |
| Net loans and leases to core deposits | 166.4718% | 300 |
| Total domestic deposits to total assets | 88.8801% | 1,249 |
| Equity capital to assets | 8.7272% | 5,915 |
| Core capital (leverage) ratio | 8.8722% | 4,859 |
| Tier 1 risk-based capital ratio | 10.4581% | 6,518 |
| Total risk-based capital ratio | 11.7161% | 6,460 |
| Memoranda: | ||
| Average total assets | $1,494,221,000 | 469 |
| Average earning assets | $1,433,864,500 | 453 |
| Average equity | $135,931,500 | 502 |
| Average total loans | $1,368,155,250 | 375 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1288% | 1,693 |
| Cost of funding earning assets | 1.4911% | 6,177 |
| Net interest margin | 4.6376% | 892 |
| Noninterest income to average assets | 0.5403% | 4,110 |
| Noninterest expense to average assets | 2.4019% | 6,453 |
| Loan and lease loss provision to assets | 0.5520% | 2,812 |
| Net operating income to assets | 1.1707% | 1,561 |
| Return on assets (ROA) | 1.1854% | 1,601 |
| Pretax return on assets | 2.0581% | 481 |
| Return on Equity (ROE) | 12.8381% | 1,213 |
| Retained earnings to average equity (ytd only) | 12.8381% | 345 |
| Net charge-offs to loans | 0.1932% | 4,337 |
| Credit loss provision to net charge-offs | 304.3906% | 1,525 |
| Earnings coverage of net charge-offs (x) | 14.2672% | 1,669 |
| Efficiency ratio | 48.1427% | 7,747 |
| Assets per employee ($millions) | 8.2029% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 4,640 |
| Loan loss allowance to noncurrent loans | 127.1717% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 1.3947% | 4,171 |
| Noncurrent loans to loans | 0.9794% | 5,250 |
| Net loans and leases to total assets | 91.7436% | 64 |
| Net loans and leases to deposits | 103.8595% | 926 |
| Net loans and leases to core deposits | 169.0208% | 329 |
| Total domestic deposits to total assets | 88.3343% | 1,607 |
| Equity capital to assets | 9.2886% | 4,897 |
| Core capital (leverage) ratio | 9.3776% | 4,056 |
| Tier 1 risk-based capital ratio | 10.1171% | 6,809 |
| Total risk-based capital ratio | 11.3685% | 6,731 |
| Memoranda: | ||
| Average total assets | $1,456,953,330 | 494 |
| Average earning assets | $1,397,607,000 | 471 |
| Average equity | $134,521,670 | 514 |
| Average total loans | $1,367,744,670 | 388 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1898% | 1,633 |
| Cost of funding earning assets | 1.5303% | 6,308 |
| Net interest margin | 4.6595% | 847 |
| Noninterest income to average assets | 0.5040% | 4,291 |
| Noninterest expense to average assets | 2.2513% | 6,689 |
| Loan and lease loss provision to assets | 0.4784% | 2,561 |
| Net operating income to assets | 1.3029% | 1,377 |
| Return on assets (ROA) | 1.3326% | 1,406 |
| Pretax return on assets | 2.3030% | 363 |
| Return on Equity (ROE) | 14.4782% | 1,074 |
| Retained earnings to average equity (ytd only) | 14.4782% | 471 |
| Net charge-offs to loans | 0.0312% | 5,081 |
| Credit loss provision to net charge-offs | 1,623.5849% | 381 |
| Earnings coverage of net charge-offs (x) | 92.8208% | 460 |
| Efficiency ratio | 45.1500% | 7,882 |
| Assets per employee ($millions) | 8.3241% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 4,960 |
| Loan loss allowance to noncurrent loans | 562.3828% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 5,649 |
| Noncurrent loans to loans | 0.2091% | 6,932 |
| Net loans and leases to total assets | 93.4082% | 39 |
| Net loans and leases to deposits | 111.9107% | 525 |
| Net loans and leases to core deposits | 175.7285% | 283 |
| Total domestic deposits to total assets | 83.4667% | 3,927 |
| Equity capital to assets | 9.2615% | 4,993 |
| Core capital (leverage) ratio | 9.3552% | 4,166 |
| Tier 1 risk-based capital ratio | 9.8290% | 7,107 |
| Total risk-based capital ratio | 11.0795% | 7,018 |
| Memoranda: | ||
| Average total assets | $1,438,970,500 | 503 |
| Average earning assets | $1,384,279,000 | 478 |
| Average equity | $132,447,000 | 519 |
| Average total loans | $1,358,151,000 | 391 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6554% | 2,221 |
| Cost of funding earning assets | 2.0850% | 6,114 |
| Net interest margin | 4.5704% | 1,249 |
| Noninterest income to average assets | 0.5868% | 3,954 |
| Noninterest expense to average assets | 2.3722% | 6,496 |
| Loan and lease loss provision to assets | 0.3182% | 3,830 |
| Net operating income to assets | 1.3812% | 1,275 |
| Return on assets (ROA) | 1.3812% | 1,227 |
| Pretax return on assets | 2.2761% | 333 |
| Return on Equity (ROE) | 15.1836% | 897 |
| Retained earnings to average equity (ytd only) | 15.1836% | 88 |
| Net charge-offs to loans | 0.0341% | 6,338 |
| Credit loss provision to net charge-offs | 995.0980% | 452 |
| Earnings coverage of net charge-offs (x) | 81.1225% | 515 |
| Efficiency ratio | 47.7645% | 7,824 |
| Assets per employee ($millions) | 8.2630% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 5,358 |
| Loan loss allowance to noncurrent loans | 238.8334% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 5,930 |
| Noncurrent loans to loans | 0.4556% | 5,977 |
| Net loans and leases to total assets | 93.2183% | 47 |
| Net loans and leases to deposits | 113.4223% | 644 |
| Net loans and leases to core deposits | 169.0478% | 421 |
| Total domestic deposits to total assets | 82.1870% | 4,127 |
| Equity capital to assets | 9.1456% | 5,161 |
| Core capital (leverage) ratio | 9.0790% | 4,634 |
| Tier 1 risk-based capital ratio | 9.7688% | 6,989 |
| Total risk-based capital ratio | 10.9461% | 6,995 |
| Memoranda: | ||
| Average total assets | $1,275,802,800 | 531 |
| Average earning assets | $1,222,581,600 | 509 |
| Average equity | $116,053,200 | 586 |
| Average total loans | $1,195,235,400 | 434 |