Home > Citizens Bank and Trust Company of Chicago > Performance and Condition Ratios
Citizens Bank and Trust Company of Chicago, Performance and Condition Ratios
| 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 | 4.2319% | 7,223 |
| Cost of funding earning assets | 2.2172% | 561 |
| Net interest margin | 2.0146% | 7,718 |
| Noninterest income to average assets | 0.4414% | 4,550 |
| Noninterest expense to average assets | 5.5580% | 267 |
| Loan and lease loss provision to assets | 5.2335% | 141 |
| Net operating income to assets | -8.4460% | 7,874 |
| Return on assets (ROA) | -8.4460% | 7,875 |
| Pretax return on assets | -8.4460% | 7,868 |
| Return on Equity (ROE) | -522.1537% | 7,921 |
| Retained earnings to average equity (ytd only) | -522.1537% | 7,921 |
| Net charge-offs to loans | 2.2903% | 739 |
| Credit loss provision to net charge-offs | 282.7586% | 1,397 |
| Earnings coverage of net charge-offs (x) | -1.7356% | 5,450 |
| Efficiency ratio | 236.9615% | 72 |
| Assets per employee ($millions) | 3.6745% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2052% | 311 |
| Loan loss allowance to noncurrent loans | 12.3620% | 7,281 |
| Noncurrent assets plus other real estate owned to assets | 30.7579% | 10 |
| Noncurrent loans to loans | 34.0173% | 14 |
| Net loans and leases to total assets | 78.4542% | 1,071 |
| Net loans and leases to deposits | 79.2283% | 3,797 |
| Net loans and leases to core deposits | 80.1624% | 4,743 |
| Total domestic deposits to total assets | 99.0230% | 10 |
| Equity capital to assets | 0.5742% | 7,912 |
| Core capital (leverage) ratio | 0.5410% | 7,913 |
| Tier 1 risk-based capital ratio | 0.7122% | 7,913 |
| Total risk-based capital ratio | 1.4244% | 7,913 |
| Memoranda: | ||
| Average total assets | $75,207,500 | 5,899 |
| Average earning assets | $71,079,500 | 5,812 |
| Average equity | $1,216,500 | 7,865 |
| Average total loans | $60,779,000 | 5,214 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2673% | 5,337 |
| Cost of funding earning assets | 3.0394% | 204 |
| Net interest margin | 2.2279% | 7,633 |
| Noninterest income to average assets | 1.7806% | 463 |
| Noninterest expense to average assets | 4.3418% | 941 |
| Loan and lease loss provision to assets | 1.9233% | 1,148 |
| Net operating income to assets | -2.4371% | 7,248 |
| Return on assets (ROA) | -2.4371% | 7,251 |
| Pretax return on assets | -2.4371% | 7,128 |
| Return on Equity (ROE) | -55.0017% | 7,725 |
| Retained earnings to average equity (ytd only) | -55.0017% | 7,720 |
| Net charge-offs to loans | 2.2025% | 1,083 |
| Credit loss provision to net charge-offs | 111.8326% | 4,907 |
| Earnings coverage of net charge-offs (x) | -0.2987% | 6,549 |
| Efficiency ratio | 113.4198% | 730 |
| Assets per employee ($millions) | 3.8463% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0878% | 725 |
| Loan loss allowance to noncurrent loans | 10.1511% | 7,365 |
| Noncurrent assets plus other real estate owned to assets | 27.6880% | 15 |
| Noncurrent loans to loans | 30.4183% | 19 |
| Net loans and leases to total assets | 77.3169% | 1,518 |
| Net loans and leases to deposits | 79.8132% | 4,033 |
| Net loans and leases to core deposits | 107.6664% | 3,140 |
| Total domestic deposits to total assets | 96.8723% | 22 |
| Equity capital to assets | 2.6142% | 7,935 |
| Core capital (leverage) ratio | 2.5026% | 7,931 |
| Tier 1 risk-based capital ratio | 3.3592% | 7,934 |
| Total risk-based capital ratio | 4.6405% | 7,935 |
| Memoranda: | ||
| Average total assets | $80,589,000 | 5,712 |
| Average earning assets | $74,061,400 | 5,679 |
| Average equity | $3,570,800 | 7,426 |
| Average total loans | $62,928,200 | 5,135 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5501% | 4,154 |
| Cost of funding earning assets | 3.1907% | 195 |
| Net interest margin | 2.3594% | 7,593 |
| Noninterest income to average assets | 2.0955% | 337 |
| Noninterest expense to average assets | 3.9718% | 1,315 |
| Loan and lease loss provision to assets | 0.0818% | 6,548 |
| Net operating income to assets | 0.1963% | 5,171 |
| Return on assets (ROA) | 0.1963% | 5,248 |
| Pretax return on assets | 0.1963% | 5,311 |
| Return on Equity (ROE) | 4.0396% | 4,361 |
| Retained earnings to average equity (ytd only) | 4.0396% | 3,022 |
| Net charge-offs to loans | 0.0337% | 6,424 |
| Credit loss provision to net charge-offs | 312.5000% | 1,318 |
| Earnings coverage of net charge-offs (x) | 10.6263% | 1,942 |
| Efficiency ratio | 93.4565% | 1,434 |
| Assets per employee ($millions) | 3.6525% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7653% | 821 |
| Loan loss allowance to noncurrent loans | 11.2888% | 7,429 |
| Noncurrent assets plus other real estate owned to assets | 22.6386% | 32 |
| Noncurrent loans to loans | 24.4963% | 30 |
| Net loans and leases to total assets | 77.2345% | 1,733 |
| Net loans and leases to deposits | 81.8574% | 4,057 |
| Net loans and leases to core deposits | 117.8254% | 2,434 |
| Total domestic deposits to total assets | 94.3525% | 48 |
| Equity capital to assets | 5.0974% | 7,943 |
| Core capital (leverage) ratio | 5.1665% | 7,911 |
| Tier 1 risk-based capital ratio | 6.3799% | 7,935 |
| Total risk-based capital ratio | 7.6543% | 7,935 |
| Memoranda: | ||
| Average total assets | $81,505,000 | 5,711 |
| Average earning assets | $74,422,750 | 5,699 |
| Average equity | $3,960,750 | 7,375 |
| Average total loans | $63,317,500 | 5,160 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0987% | 1,797 |
| Cost of funding earning assets | 3.3686% | 162 |
| Net interest margin | 2.7301% | 7,139 |
| Noninterest income to average assets | 0.9159% | 1,916 |
| Noninterest expense to average assets | 3.9810% | 1,344 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.5691% | 6,620 |
| Return on assets (ROA) | -0.5691% | 6,627 |
| Pretax return on assets | -0.5691% | 6,495 |
| Return on Equity (ROE) | -11.9009% | 7,168 |
| Retained earnings to average equity (ytd only) | -11.9009% | 7,052 |
| Net charge-offs to loans | -0.0158% | 7,661 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6786% | 727 |
| Assets per employee ($millions) | 3.4399% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7519% | 714 |
| Loan loss allowance to noncurrent loans | 13.5266% | 7,412 |
| Noncurrent assets plus other real estate owned to assets | 19.4520% | 42 |
| Noncurrent loans to loans | 20.3443% | 51 |
| Net loans and leases to total assets | 77.5399% | 1,851 |
| Net loans and leases to deposits | 81.7799% | 4,261 |
| Net loans and leases to core deposits | 120.1959% | 2,354 |
| Total domestic deposits to total assets | 94.8153% | 40 |
| Equity capital to assets | 4.7233% | 8,057 |
| Core capital (leverage) ratio | 4.5805% | 8,049 |
| Tier 1 risk-based capital ratio | 5.7763% | 8,067 |
| Total risk-based capital ratio | 7.0444% | 8,073 |
| Memoranda: | ||
| Average total assets | $81,888,670 | 5,733 |
| Average earning assets | $74,868,670 | 5,714 |
| Average equity | $3,915,670 | 7,447 |
| Average total loans | $63,148,000 | 5,202 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1805% | 1,656 |
| Cost of funding earning assets | 3.4395% | 171 |
| Net interest margin | 2.7411% | 7,119 |
| Noninterest income to average assets | 1.6236% | 518 |
| Noninterest expense to average assets | 3.7467% | 1,573 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3843% | 4,925 |
| Return on assets (ROA) | 0.3843% | 5,108 |
| Pretax return on assets | 0.3843% | 5,445 |
| Return on Equity (ROE) | 7.9900% | 3,162 |
| Retained earnings to average equity (ytd only) | 7.9900% | 1,821 |
| Net charge-offs to loans | -0.0253% | 7,504 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6977% | 1,671 |
| Assets per employee ($millions) | 3.3292% | 5,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7641% | 598 |
| Loan loss allowance to noncurrent loans | 16.1621% | 7,350 |
| Noncurrent assets plus other real estate owned to assets | 15.9810% | 62 |
| Noncurrent loans to loans | 17.1024% | 65 |
| Net loans and leases to total assets | 73.3317% | 2,932 |
| Net loans and leases to deposits | 77.3915% | 5,029 |
| Net loans and leases to core deposits | 116.5016% | 2,742 |
| Total domestic deposits to total assets | 94.7543% | 24 |
| Equity capital to assets | 4.8624% | 8,125 |
| Core capital (leverage) ratio | 4.7813% | 8,138 |
| Tier 1 risk-based capital ratio | 6.2072% | 8,134 |
| Total risk-based capital ratio | 7.4578% | 8,138 |
| Memoranda: | ||
| Average total assets | $83,274,000 | 5,695 |
| Average earning assets | $76,174,500 | 5,689 |
| Average equity | $4,005,000 | 7,455 |
| Average total loans | $63,180,000 | 5,238 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3598% | 532 |
| Cost of funding earning assets | 3.8255% | 184 |
| Net interest margin | 3.5343% | 5,170 |
| Noninterest income to average assets | 1.5805% | 560 |
| Noninterest expense to average assets | 4.3929% | 963 |
| Loan and lease loss provision to assets | 1.9625% | 619 |
| Net operating income to assets | -1.6341% | 7,514 |
| Return on assets (ROA) | -1.6301% | 7,465 |
| Pretax return on assets | -1.6301% | 7,310 |
| Return on Equity (ROE) | -25.0257% | 7,864 |
| Retained earnings to average equity (ytd only) | -25.0257% | 7,811 |
| Net charge-offs to loans | 0.2460% | 3,811 |
| Credit loss provision to net charge-offs | 1,009.6552% | 437 |
| Earnings coverage of net charge-offs (x) | 1.6897% | 5,236 |
| Efficiency ratio | 93.0437% | 1,322 |
| Assets per employee ($millions) | 3.3327% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7221% | 556 |
| Loan loss allowance to noncurrent loans | 16.1338% | 7,362 |
| Noncurrent assets plus other real estate owned to assets | 15.9677% | 53 |
| Noncurrent loans to loans | 16.8719% | 56 |
| Net loans and leases to total assets | 74.2457% | 3,043 |
| Net loans and leases to deposits | 78.3296% | 5,288 |
| Net loans and leases to core deposits | 120.4932% | 2,641 |
| Total domestic deposits to total assets | 94.7862% | 13 |
| Equity capital to assets | 4.7565% | 8,210 |
| Core capital (leverage) ratio | 5.0465% | 8,203 |
| Tier 1 risk-based capital ratio | 5.7989% | 8,238 |
| Total risk-based capital ratio | 7.0645% | 8,240 |
| Memoranda: | ||
| Average total assets | $74,597,200 | 5,891 |
| Average earning assets | $66,292,800 | 5,957 |
| Average equity | $4,859,000 | 7,194 |
| Average total loans | $58,954,400 | 5,319 |