Home > Chicago Community Bank > Performance and Condition Ratios
Chicago Community Bank, Performance and Condition Ratios
| 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 | 5.6246% | 1,808 |
| Cost of funding earning assets | 0.6760% | 6,942 |
| Net interest margin | 4.9486% | 488 |
| Noninterest income to average assets | 0.4720% | 4,372 |
| Noninterest expense to average assets | 4.3389% | 776 |
| Loan and lease loss provision to assets | 5.8657% | 42 |
| Net operating income to assets | -3.4739% | 7,371 |
| Return on assets (ROA) | -3.4466% | 7,382 |
| Pretax return on assets | -5.3603% | 7,554 |
| Return on Equity (ROE) | -28.7851% | 7,203 |
| Retained earnings to average equity (ytd only) | -28.7851% | 7,191 |
| Net charge-offs to loans | 6.5844% | 73 |
| Credit loss provision to net charge-offs | 103.6374% | 4,341 |
| Earnings coverage of net charge-offs (x) | 0.0818% | 6,041 |
| Efficiency ratio | 85.0003% | 1,797 |
| Assets per employee ($millions) | 3.8366% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0757% | 2,120 |
| Loan loss allowance to noncurrent loans | 15.9407% | 6,951 |
| Noncurrent assets plus other real estate owned to assets | 14.0424% | 192 |
| Noncurrent loans to loans | 13.0211% | 236 |
| Net loans and leases to total assets | 83.9426% | 306 |
| Net loans and leases to deposits | 99.9655% | 582 |
| Net loans and leases to core deposits | 103.9924% | 1,313 |
| Total domestic deposits to total assets | 83.9716% | 4,371 |
| Equity capital to assets | 12.2621% | 1,762 |
| Core capital (leverage) ratio | 9.4783% | 3,731 |
| Tier 1 risk-based capital ratio | 12.1653% | 5,322 |
| Total risk-based capital ratio | 13.4415% | 5,277 |
| Memoranda: | ||
| Average total assets | $302,126,800 | 2,140 |
| Average earning assets | $264,339,400 | 2,220 |
| Average equity | $36,175,000 | 1,828 |
| Average total loans | $259,704,200 | 1,706 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6481% | 1,891 |
| Cost of funding earning assets | 0.7174% | 7,017 |
| Net interest margin | 4.9307% | 524 |
| Noninterest income to average assets | 0.5465% | 3,816 |
| Noninterest expense to average assets | 4.2220% | 803 |
| Loan and lease loss provision to assets | 4.8623% | 98 |
| Net operating income to assets | -2.6841% | 7,386 |
| Return on assets (ROA) | -2.6467% | 7,398 |
| Pretax return on assets | -4.1407% | 7,577 |
| Return on Equity (ROE) | -22.2249% | 7,264 |
| Retained earnings to average equity (ytd only) | -22.2249% | 7,250 |
| Net charge-offs to loans | 5.2838% | 153 |
| Credit loss provision to net charge-offs | 106.9874% | 3,997 |
| Earnings coverage of net charge-offs (x) | 0.1459% | 5,882 |
| Efficiency ratio | 81.2682% | 2,157 |
| Assets per employee ($millions) | 4.1790% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9998% | 2,220 |
| Loan loss allowance to noncurrent loans | 13.3526% | 7,112 |
| Noncurrent assets plus other real estate owned to assets | 15.1859% | 152 |
| Noncurrent loans to loans | 14.9771% | 164 |
| Net loans and leases to total assets | 83.0585% | 403 |
| Net loans and leases to deposits | 97.7557% | 815 |
| Net loans and leases to core deposits | 103.2270% | 1,551 |
| Total domestic deposits to total assets | 84.9654% | 3,634 |
| Equity capital to assets | 11.8466% | 2,254 |
| Core capital (leverage) ratio | 9.3640% | 4,111 |
| Tier 1 risk-based capital ratio | 11.7317% | 5,704 |
| Total risk-based capital ratio | 12.9986% | 5,658 |
| Memoranda: | ||
| Average total assets | $308,600,000 | 2,141 |
| Average earning assets | $271,542,000 | 2,201 |
| Average equity | $36,750,750 | 1,820 |
| Average total loans | $265,432,000 | 1,688 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6589% | 1,913 |
| Cost of funding earning assets | 0.7589% | 7,039 |
| Net interest margin | 4.9000% | 537 |
| Noninterest income to average assets | 0.5759% | 3,506 |
| Noninterest expense to average assets | 3.9064% | 1,176 |
| Loan and lease loss provision to assets | 3.7458% | 218 |
| Net operating income to assets | -1.7366% | 7,237 |
| Return on assets (ROA) | -1.7366% | 7,248 |
| Pretax return on assets | -2.7463% | 7,426 |
| Return on Equity (ROE) | -14.5584% | 7,130 |
| Retained earnings to average equity (ytd only) | -14.5584% | 7,090 |
| Net charge-offs to loans | 2.7673% | 591 |
| Credit loss provision to net charge-offs | 156.6497% | 2,519 |
| Earnings coverage of net charge-offs (x) | 0.4180% | 5,305 |
| Efficiency ratio | 74.5533% | 3,356 |
| Assets per employee ($millions) | 4.5309% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4132% | 1,416 |
| Loan loss allowance to noncurrent loans | 12.9849% | 7,195 |
| Noncurrent assets plus other real estate owned to assets | 16.9010% | 97 |
| Noncurrent loans to loans | 18.5843% | 101 |
| Net loans and leases to total assets | 84.1338% | 340 |
| Net loans and leases to deposits | 99.6896% | 750 |
| Net loans and leases to core deposits | 104.7570% | 1,560 |
| Total domestic deposits to total assets | 84.3957% | 3,917 |
| Equity capital to assets | 11.7737% | 2,228 |
| Core capital (leverage) ratio | 9.4699% | 3,863 |
| Tier 1 risk-based capital ratio | 11.3886% | 5,878 |
| Total risk-based capital ratio | 12.6552% | 5,838 |
| Memoranda: | ||
| Average total assets | $312,563,670 | 2,136 |
| Average earning assets | $276,201,670 | 2,187 |
| Average equity | $37,284,330 | 1,784 |
| Average total loans | $270,085,670 | 1,688 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5079% | 2,545 |
| Cost of funding earning assets | 0.8063% | 7,073 |
| Net interest margin | 4.7016% | 778 |
| Noninterest income to average assets | 0.5184% | 3,909 |
| Noninterest expense to average assets | 4.3317% | 698 |
| Loan and lease loss provision to assets | 5.3419% | 136 |
| Net operating income to assets | -3.1919% | 7,657 |
| Return on assets (ROA) | -3.1919% | 7,654 |
| Pretax return on assets | -4.9836% | 7,764 |
| Return on Equity (ROE) | -26.5897% | 7,525 |
| Retained earnings to average equity (ytd only) | -26.5897% | 7,487 |
| Net charge-offs to loans | 3.5268% | 399 |
| Credit loss provision to net charge-offs | 175.0937% | 2,079 |
| Earnings coverage of net charge-offs (x) | 0.1175% | 4,926 |
| Efficiency ratio | 87.0767% | 1,680 |
| Assets per employee ($millions) | 4.3495% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2572% | 1,647 |
| Loan loss allowance to noncurrent loans | 14.3290% | 7,224 |
| Noncurrent assets plus other real estate owned to assets | 13.8737% | 169 |
| Noncurrent loans to loans | 15.7528% | 157 |
| Net loans and leases to total assets | 84.2921% | 345 |
| Net loans and leases to deposits | 98.9052% | 830 |
| Net loans and leases to core deposits | 104.2461% | 1,719 |
| Total domestic deposits to total assets | 85.2252% | 3,557 |
| Equity capital to assets | 11.7106% | 2,221 |
| Core capital (leverage) ratio | 9.2171% | 4,192 |
| Tier 1 risk-based capital ratio | 10.6312% | 6,512 |
| Total risk-based capital ratio | 11.9295% | 6,450 |
| Memoranda: | ||
| Average total assets | $314,795,000 | 2,161 |
| Average earning assets | $279,308,500 | 2,212 |
| Average equity | $37,789,000 | 1,783 |
| Average total loans | $272,315,000 | 1,724 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3452% | 944 |
| Cost of funding earning assets | 1.1924% | 6,682 |
| Net interest margin | 5.1529% | 321 |
| Noninterest income to average assets | 0.6246% | 3,462 |
| Noninterest expense to average assets | 2.8115% | 4,928 |
| Loan and lease loss provision to assets | 2.4390% | 821 |
| Net operating income to assets | 0.0292% | 5,400 |
| Return on assets (ROA) | 0.0006% | 5,538 |
| Pretax return on assets | -0.0571% | 5,529 |
| Return on Equity (ROE) | 0.0052% | 5,540 |
| Retained earnings to average equity (ytd only) | 0.0052% | 4,908 |
| Net charge-offs to loans | 2.7364% | 824 |
| Credit loss provision to net charge-offs | 101.5247% | 5,442 |
| Earnings coverage of net charge-offs (x) | 1.0101% | 5,106 |
| Efficiency ratio | 49.0636% | 7,584 |
| Assets per employee ($millions) | 4.5204% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5636% | 3,427 |
| Loan loss allowance to noncurrent loans | 13.7319% | 7,294 |
| Noncurrent assets plus other real estate owned to assets | 10.1953% | 356 |
| Noncurrent loans to loans | 11.3864% | 316 |
| Net loans and leases to total assets | 85.4128% | 313 |
| Net loans and leases to deposits | 101.1887% | 811 |
| Net loans and leases to core deposits | 121.6735% | 1,809 |
| Total domestic deposits to total assets | 84.4095% | 3,836 |
| Equity capital to assets | 12.2950% | 1,855 |
| Core capital (leverage) ratio | 9.9542% | 3,138 |
| Tier 1 risk-based capital ratio | 11.3517% | 5,564 |
| Total risk-based capital ratio | 12.6060% | 5,511 |
| Memoranda: | ||
| Average total assets | $322,138,800 | 2,105 |
| Average earning assets | $288,420,800 | 2,133 |
| Average equity | $38,661,000 | 1,735 |
| Average total loans | $282,812,000 | 1,703 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6329% | 579 |
| Cost of funding earning assets | 1.2838% | 6,606 |
| Net interest margin | 5.3491% | 232 |
| Noninterest income to average assets | 0.6379% | 3,441 |
| Noninterest expense to average assets | 2.7649% | 5,039 |
| Loan and lease loss provision to assets | 2.6648% | 600 |
| Net operating income to assets | 0.0586% | 5,583 |
| Return on assets (ROA) | 0.0206% | 5,718 |
| Pretax return on assets | -0.0523% | 5,782 |
| Return on Equity (ROE) | 0.1727% | 5,722 |
| Retained earnings to average equity (ytd only) | 0.1727% | 5,129 |
| Net charge-offs to loans | 2.1221% | 912 |
| Credit loss provision to net charge-offs | 142.6334% | 3,432 |
| Earnings coverage of net charge-offs (x) | 1.4301% | 4,708 |
| Efficiency ratio | 46.4378% | 7,753 |
| Assets per employee ($millions) | 4.2315% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1637% | 1,488 |
| Loan loss allowance to noncurrent loans | 20.2379% | 7,077 |
| Noncurrent assets plus other real estate owned to assets | 9.3832% | 394 |
| Noncurrent loans to loans | 10.6912% | 348 |
| Net loans and leases to total assets | 85.8670% | 351 |
| Net loans and leases to deposits | 102.5959% | 874 |
| Net loans and leases to core deposits | 123.6811% | 1,934 |
| Total domestic deposits to total assets | 83.6944% | 3,860 |
| Equity capital to assets | 12.0646% | 2,210 |
| Core capital (leverage) ratio | 9.5667% | 3,827 |
| Tier 1 risk-based capital ratio | 11.0811% | 5,870 |
| Total risk-based capital ratio | 12.3434% | 5,814 |
| Memoranda: | ||
| Average total assets | $323,566,250 | 2,105 |
| Average earning assets | $290,282,500 | 2,135 |
| Average equity | $38,600,000 | 1,757 |
| Average total loans | $284,874,000 | 1,702 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7789% | 469 |
| Cost of funding earning assets | 1.3768% | 6,555 |
| Net interest margin | 5.4021% | 210 |
| Noninterest income to average assets | 0.6002% | 3,692 |
| Noninterest expense to average assets | 2.9325% | 4,371 |
| Loan and lease loss provision to assets | 1.2473% | 1,372 |
| Net operating income to assets | 0.8235% | 2,762 |
| Return on assets (ROA) | 0.8235% | 2,859 |
| Pretax return on assets | 1.2757% | 2,093 |
| Return on Equity (ROE) | 6.9290% | 3,233 |
| Retained earnings to average equity (ytd only) | 6.9290% | 1,609 |
| Net charge-offs to loans | 0.2821% | 3,779 |
| Credit loss provision to net charge-offs | 501.7370% | 914 |
| Earnings coverage of net charge-offs (x) | 10.1489% | 2,024 |
| Efficiency ratio | 49.3555% | 7,702 |
| Assets per employee ($millions) | 3.6929% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0133% | 1,541 |
| Loan loss allowance to noncurrent loans | 32.7086% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 5.6822% | 876 |
| Noncurrent loans to loans | 6.1552% | 883 |
| Net loans and leases to total assets | 86.7736% | 316 |
| Net loans and leases to deposits | 103.5802% | 937 |
| Net loans and leases to core deposits | 125.9884% | 1,874 |
| Total domestic deposits to total assets | 83.7743% | 3,882 |
| Equity capital to assets | 12.1937% | 2,095 |
| Core capital (leverage) ratio | 9.7722% | 3,553 |
| Tier 1 risk-based capital ratio | 11.2344% | 5,660 |
| Total risk-based capital ratio | 12.4950% | 5,560 |
| Memoranda: | ||
| Average total assets | $324,223,330 | 2,126 |
| Average earning assets | $291,404,670 | 2,160 |
| Average equity | $38,533,670 | 1,767 |
| Average total loans | $285,748,330 | 1,726 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9776% | 355 |
| Cost of funding earning assets | 1.4219% | 6,656 |
| Net interest margin | 5.5556% | 164 |
| Noninterest income to average assets | 0.6238% | 3,390 |
| Noninterest expense to average assets | 2.9792% | 3,854 |
| Loan and lease loss provision to assets | 0.6485% | 1,951 |
| Net operating income to assets | 1.2574% | 1,486 |
| Return on assets (ROA) | 1.2574% | 1,587 |
| Pretax return on assets | 1.9812% | 686 |
| Return on Equity (ROE) | 10.7195% | 2,062 |
| Retained earnings to average equity (ytd only) | 10.7195% | 1,032 |
| Net charge-offs to loans | 0.3709% | 2,604 |
| Credit loss provision to net charge-offs | 198.8636% | 2,236 |
| Earnings coverage of net charge-offs (x) | 8.0644% | 2,245 |
| Efficiency ratio | 48.8439% | 7,678 |
| Assets per employee ($millions) | 3.5717% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5517% | 2,716 |
| Loan loss allowance to noncurrent loans | 56.5384% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 2.7447% | 2,071 |
| Noncurrent loans to loans | 2.7445% | 2,388 |
| Net loans and leases to total assets | 86.5919% | 379 |
| Net loans and leases to deposits | 106.7883% | 808 |
| Net loans and leases to core deposits | 130.7019% | 1,615 |
| Total domestic deposits to total assets | 81.0874% | 4,930 |
| Equity capital to assets | 11.7218% | 2,430 |
| Core capital (leverage) ratio | 9.2828% | 4,268 |
| Tier 1 risk-based capital ratio | 11.5263% | 5,390 |
| Total risk-based capital ratio | 12.7823% | 5,272 |
| Memoranda: | ||
| Average total assets | $323,845,500 | 2,143 |
| Average earning assets | $290,587,500 | 2,180 |
| Average equity | $37,987,000 | 1,796 |
| Average total loans | $284,727,500 | 1,744 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4683% | 436 |
| Cost of funding earning assets | 1.9656% | 6,520 |
| Net interest margin | 5.5027% | 208 |
| Noninterest income to average assets | 0.6816% | 3,234 |
| Noninterest expense to average assets | 2.8658% | 4,550 |
| Loan and lease loss provision to assets | 0.2908% | 4,055 |
| Net operating income to assets | 1.5632% | 900 |
| Return on assets (ROA) | 1.5734% | 850 |
| Pretax return on assets | 2.4747% | 209 |
| Return on Equity (ROE) | 13.2258% | 1,276 |
| Retained earnings to average equity (ytd only) | 4.9811% | 2,040 |
| Net charge-offs to loans | 0.1358% | 4,865 |
| Credit loss provision to net charge-offs | 254.1209% | 1,831 |
| Earnings coverage of net charge-offs (x) | 24.0275% | 1,387 |
| Efficiency ratio | 46.7025% | 7,890 |
| Assets per employee ($millions) | 3.8875% | 3,767 |
| Cash dividends to net income (ytd only)* | 62.3377% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 2,819 |
| Loan loss allowance to noncurrent loans | 65.4697% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 2.3095% | 2,109 |
| Noncurrent loans to loans | 2.2488% | 2,446 |
| Net loans and leases to total assets | 86.5907% | 526 |
| Net loans and leases to deposits | 109.5365% | 866 |
| Net loans and leases to core deposits | 135.1187% | 1,529 |
| Total domestic deposits to total assets | 79.0519% | 5,360 |
| Equity capital to assets | 11.7382% | 2,475 |
| Core capital (leverage) ratio | 9.3248% | 4,264 |
| Tier 1 risk-based capital ratio | 10.4403% | 6,277 |
| Total risk-based capital ratio | 11.6937% | 6,147 |
| Memoranda: | ||
| Average total assets | $318,093,400 | 2,107 |
| Average earning assets | $285,204,800 | 2,137 |
| Average equity | $37,842,800 | 1,784 |
| Average total loans | $268,070,600 | 1,783 |