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Brighton Commerce Bank, Performance and Condition Ratios
| 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 | 6.8519% | 1,529 |
| Cost of funding earning assets | 2.8571% | 2,453 |
| Net interest margin | 3.9947% | 3,141 |
| Noninterest income to average assets | 0.2567% | 6,617 |
| Noninterest expense to average assets | 2.8849% | 4,502 |
| Loan and lease loss provision to assets | 0.4965% | 2,828 |
| Net operating income to assets | 0.3286% | 5,452 |
| Return on assets (ROA) | 0.3286% | 5,273 |
| Pretax return on assets | 0.5089% | 4,945 |
| Return on Equity (ROE) | 3.8202% | 4,888 |
| Retained earnings to average equity (ytd only) | -2.0959% | 5,905 |
| Net charge-offs to loans | 0.1892% | 4,292 |
| Credit loss provision to net charge-offs | 292.6702% | 1,553 |
| Earnings coverage of net charge-offs (x) | 5.9267% | 3,487 |
| Efficiency ratio | 74.1553% | 3,545 |
| Assets per employee ($millions) | 4.4011% | 2,791 |
| Cash dividends to net income (ytd only)* | 154.8649% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 3,305 |
| Loan loss allowance to noncurrent loans | 69.5434% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 3.5603% | 1,241 |
| Noncurrent loans to loans | 1.9850% | 2,788 |
| Net loans and leases to total assets | 86.5331% | 536 |
| Net loans and leases to deposits | 103.1985% | 1,438 |
| Net loans and leases to core deposits | 138.9584% | 1,318 |
| Total domestic deposits to total assets | 83.8511% | 3,394 |
| Equity capital to assets | 8.3834% | 6,290 |
| Core capital (leverage) ratio | 8.1418% | 6,264 |
| Tier 1 risk-based capital ratio | 9.1016% | 7,718 |
| Total risk-based capital ratio | 10.3526% | 7,675 |
| Memoranda: | ||
| Average total assets | $112,585,800 | 4,705 |
| Average earning assets | $102,410,200 | 4,729 |
| Average equity | $9,685,400 | 5,511 |
| Average total loans | $100,970,600 | 3,919 |