Home > Charter Private Bank > Performance and Condition Ratios
Charter Private Bank, 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 | 4.1693% | 6,353 |
| Cost of funding earning assets | 0.7115% | 6,073 |
| Net interest margin | 3.4579% | 5,190 |
| Noninterest income to average assets | 0.6930% | 2,616 |
| Noninterest expense to average assets | 3.7794% | 1,373 |
| Loan and lease loss provision to assets | -0.5597% | 7,541 |
| Net operating income to assets | 0.5203% | 4,403 |
| Return on assets (ROA) | 0.5194% | 4,493 |
| Pretax return on assets | 0.7042% | 4,297 |
| Return on Equity (ROE) | 5.0471% | 4,380 |
| Retained earnings to average equity (ytd only) | 5.0471% | 3,159 |
| Net charge-offs to loans | -0.0117% | 6,407 |
| Credit loss provision to net charge-offs | 8,333.3333% | 30 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2921% | 905 |
| Assets per employee ($millions) | 5.5328% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1493% | 804 |
| Loan loss allowance to noncurrent loans | 62.2382% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 3.4648% | 1,967 |
| Noncurrent loans to loans | 5.0601% | 1,326 |
| Net loans and leases to total assets | 57.1626% | 4,772 |
| Net loans and leases to deposits | 76.4819% | 3,336 |
| Net loans and leases to core deposits | 81.1179% | 3,589 |
| Total domestic deposits to total assets | 74.7400% | 6,828 |
| Equity capital to assets | 10.6573% | 3,031 |
| Core capital (leverage) ratio | 9.8157% | 3,369 |
| Tier 1 risk-based capital ratio | 16.1524% | 2,835 |
| Total risk-based capital ratio | 17.4246% | 2,787 |
| Memoranda: | ||
| Average total assets | $357,308,000 | 1,843 |
| Average earning assets | $333,963,500 | 1,794 |
| Average equity | $36,773,500 | 1,809 |
| Average total loans | $204,470,000 | 2,059 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 6,606 |
| Cost of funding earning assets | 0.8232% | 6,471 |
| Net interest margin | 3.5833% | 4,893 |
| Noninterest income to average assets | -0.0014% | 7,301 |
| Noninterest expense to average assets | 4.2603% | 850 |
| Loan and lease loss provision to assets | -0.6031% | 7,648 |
| Net operating income to assets | -0.3218% | 6,238 |
| Return on assets (ROA) | 0.0832% | 5,764 |
| Pretax return on assets | 0.0480% | 5,799 |
| Return on Equity (ROE) | 0.7902% | 5,755 |
| Retained earnings to average equity (ytd only) | 0.7902% | 5,159 |
| Net charge-offs to loans | 0.2073% | 5,048 |
| Credit loss provision to net charge-offs | -542.4165% | 7,120 |
| Earnings coverage of net charge-offs (x) | -8.6350% | 6,793 |
| Efficiency ratio | 128.5702% | 330 |
| Assets per employee ($millions) | 5.2293% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4314% | 616 |
| Loan loss allowance to noncurrent loans | 64.6666% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 3.3801% | 2,072 |
| Noncurrent loans to loans | 5.3063% | 1,249 |
| Net loans and leases to total assets | 53.6098% | 5,688 |
| Net loans and leases to deposits | 73.2453% | 4,319 |
| Net loans and leases to core deposits | 75.4555% | 4,795 |
| Total domestic deposits to total assets | 73.1921% | 6,983 |
| Equity capital to assets | 9.9438% | 3,816 |
| Core capital (leverage) ratio | 9.3923% | 3,860 |
| Tier 1 risk-based capital ratio | 14.9289% | 3,289 |
| Total risk-based capital ratio | 16.2037% | 3,227 |
| Memoranda: | ||
| Average total assets | $349,884,600 | 1,869 |
| Average earning assets | $322,385,400 | 1,849 |
| Average equity | $36,828,400 | 1,800 |
| Average total loans | $187,605,800 | 2,270 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4403% | 6,747 |
| Cost of funding earning assets | 0.8540% | 6,567 |
| Net interest margin | 3.5863% | 4,940 |
| Noninterest income to average assets | 0.0004% | 7,435 |
| Noninterest expense to average assets | 4.2947% | 748 |
| Loan and lease loss provision to assets | -0.7710% | 7,756 |
| Net operating income to assets | -0.1857% | 6,304 |
| Return on assets (ROA) | 0.2437% | 5,532 |
| Pretax return on assets | 0.3046% | 5,496 |
| Return on Equity (ROE) | 2.2814% | 5,503 |
| Retained earnings to average equity (ytd only) | 2.2814% | 4,801 |
| Net charge-offs to loans | 0.4210% | 3,606 |
| Credit loss provision to net charge-offs | -344.8276% | 6,991 |
| Earnings coverage of net charge-offs (x) | -4.4862% | 6,585 |
| Efficiency ratio | 129.7728% | 297 |
| Assets per employee ($millions) | 5.2517% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4769% | 547 |
| Loan loss allowance to noncurrent loans | 68.5089% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 3.9851% | 1,756 |
| Noncurrent loans to loans | 5.0752% | 1,356 |
| Net loans and leases to total assets | 55.1995% | 5,670 |
| Net loans and leases to deposits | 74.2857% | 4,458 |
| Net loans and leases to core deposits | 77.6834% | 4,838 |
| Total domestic deposits to total assets | 74.3070% | 6,885 |
| Equity capital to assets | 10.8259% | 3,143 |
| Core capital (leverage) ratio | 9.9869% | 3,267 |
| Tier 1 risk-based capital ratio | 15.8151% | 2,856 |
| Total risk-based capital ratio | 17.0910% | 2,792 |
| Memoranda: | ||
| Average total assets | $345,843,500 | 1,915 |
| Average earning assets | $317,386,250 | 1,901 |
| Average equity | $36,935,750 | 1,811 |
| Average total loans | $183,704,500 | 2,345 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5459% | 6,604 |
| Cost of funding earning assets | 0.8850% | 6,644 |
| Net interest margin | 3.6609% | 4,535 |
| Noninterest income to average assets | 0.0012% | 7,521 |
| Noninterest expense to average assets | 4.0904% | 934 |
| Loan and lease loss provision to assets | -0.7234% | 7,819 |
| Net operating income to assets | -0.0173% | 6,102 |
| Return on assets (ROA) | 0.3137% | 5,284 |
| Pretax return on assets | 0.3953% | 5,245 |
| Return on Equity (ROE) | 2.9505% | 5,253 |
| Retained earnings to average equity (ytd only) | 2.9505% | 4,250 |
| Net charge-offs to loans | 0.5960% | 2,736 |
| Credit loss provision to net charge-offs | -234.5216% | 6,741 |
| Earnings coverage of net charge-offs (x) | -2.4221% | 6,235 |
| Efficiency ratio | 121.3086% | 399 |
| Assets per employee ($millions) | 5.0596% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3799% | 279 |
| Loan loss allowance to noncurrent loans | 56.9345% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 5.0034% | 1,285 |
| Noncurrent loans to loans | 7.6930% | 692 |
| Net loans and leases to total assets | 50.2677% | 6,400 |
| Net loans and leases to deposits | 68.2634% | 5,530 |
| Net loans and leases to core deposits | 71.1306% | 5,757 |
| Total domestic deposits to total assets | 73.6379% | 7,022 |
| Equity capital to assets | 11.2193% | 2,671 |
| Core capital (leverage) ratio | 10.1106% | 3,049 |
| Tier 1 risk-based capital ratio | 17.1306% | 2,225 |
| Total risk-based capital ratio | 18.4145% | 2,174 |
| Memoranda: | ||
| Average total assets | $345,587,330 | 1,933 |
| Average earning assets | $315,493,330 | 1,924 |
| Average equity | $36,739,670 | 1,811 |
| Average total loans | $178,866,000 | 2,437 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8977% | 5,470 |
| Cost of funding earning assets | 0.9706% | 6,506 |
| Net interest margin | 3.9271% | 3,211 |
| Noninterest income to average assets | 0.0956% | 7,227 |
| Noninterest expense to average assets | 3.6834% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0034% | 6,294 |
| Return on assets (ROA) | 0.1764% | 5,894 |
| Pretax return on assets | 0.2720% | 5,682 |
| Return on Equity (ROE) | 1.7044% | 5,882 |
| Retained earnings to average equity (ytd only) | 1.7044% | 5,087 |
| Net charge-offs to loans | 1.8280% | 944 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.0048% | 5,025 |
| Efficiency ratio | 99.1955% | 873 |
| Assets per employee ($millions) | 5.3764% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8256% | 198 |
| Loan loss allowance to noncurrent loans | 50.9276% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 5.8795% | 1,034 |
| Noncurrent loans to loans | 9.4755% | 468 |
| Net loans and leases to total assets | 49.5629% | 6,513 |
| Net loans and leases to deposits | 66.2096% | 5,799 |
| Net loans and leases to core deposits | 68.7384% | 6,029 |
| Total domestic deposits to total assets | 74.8576% | 6,924 |
| Equity capital to assets | 10.6675% | 3,071 |
| Core capital (leverage) ratio | 9.4068% | 3,900 |
| Tier 1 risk-based capital ratio | 16.4940% | 2,453 |
| Total risk-based capital ratio | 17.7834% | 2,385 |
| Memoranda: | ||
| Average total assets | $351,414,000 | 1,951 |
| Average earning assets | $320,642,500 | 1,941 |
| Average equity | $36,377,000 | 1,848 |
| Average total loans | $180,524,000 | 2,483 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5421% | 7,345 |
| Cost of funding earning assets | 1.9930% | 2,996 |
| Net interest margin | 2.5491% | 7,371 |
| Noninterest income to average assets | -0.2207% | 7,865 |
| Noninterest expense to average assets | 4.0388% | 1,311 |
| Loan and lease loss provision to assets | 2.9118% | 613 |
| Net operating income to assets | -3.0953% | 7,420 |
| Return on assets (ROA) | -2.5858% | 7,290 |
| Pretax return on assets | -4.0683% | 7,542 |
| Return on Equity (ROE) | -31.6986% | 7,433 |
| Retained earnings to average equity (ytd only) | -31.6986% | 7,418 |
| Net charge-offs to loans | 8.3993% | 71 |
| Credit loss provision to net charge-offs | 72.6642% | 6,439 |
| Earnings coverage of net charge-offs (x) | -0.4873% | 6,683 |
| Efficiency ratio | 169.7747% | 224 |
| Assets per employee ($millions) | 5.9789% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2084% | 155 |
| Loan loss allowance to noncurrent loans | 42.1821% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 6.9070% | 739 |
| Noncurrent loans to loans | 12.3475% | 266 |
| Net loans and leases to total assets | 48.0540% | 6,809 |
| Net loans and leases to deposits | 64.2147% | 6,237 |
| Net loans and leases to core deposits | 68.0925% | 6,876 |
| Total domestic deposits to total assets | 74.8333% | 6,892 |
| Equity capital to assets | 10.0486% | 3,694 |
| Core capital (leverage) ratio | 9.9310% | 3,158 |
| Tier 1 risk-based capital ratio | 18.2041% | 1,844 |
| Total risk-based capital ratio | 19.4979% | 1,781 |
| Memoranda: | ||
| Average total assets | $416,930,000 | 1,653 |
| Average earning assets | $377,311,800 | 1,668 |
| Average equity | $34,011,000 | 1,974 |
| Average total loans | $198,910,200 | 2,305 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6179% | 7,394 |
| Cost of funding earning assets | 2.1783% | 2,510 |
| Net interest margin | 2.4397% | 7,527 |
| Noninterest income to average assets | 0.0380% | 7,698 |
| Noninterest expense to average assets | 3.7890% | 1,613 |
| Loan and lease loss provision to assets | 2.7471% | 571 |
| Net operating income to assets | -2.7916% | 7,537 |
| Return on assets (ROA) | -2.1936% | 7,376 |
| Pretax return on assets | -3.3747% | 7,589 |
| Return on Equity (ROE) | -28.2526% | 7,569 |
| Retained earnings to average equity (ytd only) | -28.2526% | 7,555 |
| Net charge-offs to loans | 7.1491% | 103 |
| Credit loss provision to net charge-offs | 81.6046% | 5,717 |
| Earnings coverage of net charge-offs (x) | -0.4597% | 6,460 |
| Efficiency ratio | 149.1177% | 326 |
| Assets per employee ($millions) | 6.4059% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3476% | 69 |
| Loan loss allowance to noncurrent loans | 60.0010% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 5.9950% | 898 |
| Noncurrent loans to loans | 10.5791% | 355 |
| Net loans and leases to total assets | 46.1985% | 7,097 |
| Net loans and leases to deposits | 61.3713% | 6,730 |
| Net loans and leases to core deposits | 65.1404% | 7,198 |
| Total domestic deposits to total assets | 75.2771% | 6,724 |
| Equity capital to assets | 10.3314% | 3,695 |
| Core capital (leverage) ratio | 8.6578% | 5,210 |
| Tier 1 risk-based capital ratio | 17.5577% | 2,107 |
| Total risk-based capital ratio | 18.8646% | 2,050 |
| Memoranda: | ||
| Average total assets | $431,478,500 | 1,617 |
| Average earning assets | $389,716,750 | 1,638 |
| Average equity | $33,501,750 | 2,026 |
| Average total loans | $203,173,000 | 2,290 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7464% | 7,325 |
| Cost of funding earning assets | 2.0764% | 3,390 |
| Net interest margin | 2.6700% | 7,266 |
| Noninterest income to average assets | 0.0644% | 7,664 |
| Noninterest expense to average assets | 3.7345% | 1,770 |
| Loan and lease loss provision to assets | 3.1933% | 461 |
| Net operating income to assets | -2.9076% | 7,654 |
| Return on assets (ROA) | -2.3288% | 7,515 |
| Pretax return on assets | -3.5828% | 7,691 |
| Return on Equity (ROE) | -33.1311% | 7,756 |
| Retained earnings to average equity (ytd only) | -33.1311% | 7,732 |
| Net charge-offs to loans | 6.6337% | 146 |
| Credit loss provision to net charge-offs | 103.6435% | 4,430 |
| Earnings coverage of net charge-offs (x) | -0.4154% | 6,025 |
| Efficiency ratio | 133.2726% | 495 |
| Assets per employee ($millions) | 6.8907% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9053% | 33 |
| Loan loss allowance to noncurrent loans | 76.4089% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 4.7406% | 1,167 |
| Noncurrent loans to loans | 10.3461% | 330 |
| Net loans and leases to total assets | 34.5133% | 7,753 |
| Net loans and leases to deposits | 48.0124% | 7,565 |
| Net loans and leases to core deposits | 56.8734% | 7,564 |
| Total domestic deposits to total assets | 71.8841% | 7,252 |
| Equity capital to assets | 7.0447% | 7,586 |
| Core capital (leverage) ratio | 6.9713% | 7,559 |
| Tier 1 risk-based capital ratio | 14.3856% | 3,312 |
| Total risk-based capital ratio | 15.6968% | 3,215 |
| Memoranda: | ||
| Average total assets | $447,187,330 | 1,585 |
| Average earning assets | $400,303,000 | 1,620 |
| Average equity | $31,432,670 | 2,152 |
| Average total loans | $207,697,330 | 2,266 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 6,902 |
| Cost of funding earning assets | 2.0660% | 3,807 |
| Net interest margin | 2.9449% | 6,627 |
| Noninterest income to average assets | 0.0298% | 7,928 |
| Noninterest expense to average assets | 3.1564% | 3,165 |
| Loan and lease loss provision to assets | 5.5772% | 140 |
| Net operating income to assets | -3.9923% | 7,979 |
| Return on assets (ROA) | -2.7746% | 7,812 |
| Pretax return on assets | -4.2690% | 7,936 |
| Return on Equity (ROE) | -39.5239% | 7,980 |
| Retained earnings to average equity (ytd only) | -39.5239% | 7,958 |
| Net charge-offs to loans | 10.7178% | 53 |
| Credit loss provision to net charge-offs | 101.0800% | 3,690 |
| Earnings coverage of net charge-offs (x) | -0.1024% | 5,076 |
| Efficiency ratio | 114.8760% | 718 |
| Assets per employee ($millions) | 6.1430% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7391% | 49 |
| Loan loss allowance to noncurrent loans | 68.2161% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 5.9349% | 680 |
| Noncurrent loans to loans | 9.8791% | 301 |
| Net loans and leases to total assets | 44.1259% | 7,327 |
| Net loans and leases to deposits | 64.0349% | 6,559 |
| Net loans and leases to core deposits | 71.0538% | 6,959 |
| Total domestic deposits to total assets | 68.9091% | 7,528 |
| Equity capital to assets | 7.2160% | 7,552 |
| Core capital (leverage) ratio | 7.1857% | 7,493 |
| Tier 1 risk-based capital ratio | 12.0475% | 4,925 |
| Total risk-based capital ratio | 13.3528% | 4,772 |
| Memoranda: | ||
| Average total assets | $429,607,500 | 1,656 |
| Average earning assets | $373,667,000 | 1,738 |
| Average equity | $30,159,000 | 2,260 |
| Average total loans | $221,164,000 | 2,173 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8604% | 1,515 |
| Cost of funding earning assets | 2.4730% | 4,350 |
| Net interest margin | 4.3874% | 1,723 |
| Noninterest income to average assets | -0.4897% | 8,269 |
| Noninterest expense to average assets | 16.5552% | 66 |
| Loan and lease loss provision to assets | 3.4469% | 238 |
| Net operating income to assets | -15.4370% | 8,292 |
| Return on assets (ROA) | -15.0090% | 8,285 |
| Pretax return on assets | -16.3451% | 8,292 |
| Return on Equity (ROE) | -95.2027% | 8,270 |
| Retained earnings to average equity (ytd only) | -95.2027% | 8,266 |
| Net charge-offs to loans | 0.8735% | 1,426 |
| Credit loss provision to net charge-offs | 626.7158% | 686 |
| Earnings coverage of net charge-offs (x) | -24.2971% | 6,949 |
| Efficiency ratio | 86.8005% | 1,779 |
| Assets per employee ($millions) | 6.4141% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0238% | 54 |
| Loan loss allowance to noncurrent loans | 88.2623% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 4.6170% | 803 |
| Noncurrent loans to loans | 6.8249% | 458 |
| Net loans and leases to total assets | 52.5327% | 6,799 |
| Net loans and leases to deposits | 75.7241% | 5,622 |
| Net loans and leases to core deposits | 89.9765% | 5,802 |
| Total domestic deposits to total assets | 69.3739% | 7,343 |
| Equity capital to assets | 6.8124% | 7,823 |
| Core capital (leverage) ratio | 6.2666% | 8,001 |
| Tier 1 risk-based capital ratio | 9.7102% | 7,068 |
| Total risk-based capital ratio | 11.0109% | 6,903 |
| Memoranda: | ||
| Average total assets | $394,728,800 | 1,718 |
| Average earning assets | $331,221,400 | 1,848 |
| Average equity | $62,230,400 | 1,080 |
| Average total loans | $248,536,400 | 1,915 |