Home > Community Bank of DuPage > Performance and Condition Ratios
Community Bank of DuPage, 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 | 5.4203% | 2,577 |
| Cost of funding earning assets | 1.2222% | 4,410 |
| Net interest margin | 4.1981% | 2,194 |
| Noninterest income to average assets | 0.1847% | 6,433 |
| Noninterest expense to average assets | 2.9317% | 4,102 |
| Loan and lease loss provision to assets | 3.9658% | 161 |
| Net operating income to assets | -2.0884% | 7,080 |
| Return on assets (ROA) | -2.0792% | 7,087 |
| Pretax return on assets | -3.1953% | 7,328 |
| Return on Equity (ROE) | -18.9050% | 7,015 |
| Retained earnings to average equity (ytd only) | -18.9050% | 6,991 |
| Net charge-offs to loans | 2.2013% | 886 |
| Credit loss provision to net charge-offs | 225.0896% | 1,322 |
| Earnings coverage of net charge-offs (x) | 0.4292% | 5,680 |
| Efficiency ratio | 79.4949% | 2,482 |
| Assets per employee ($millions) | 4.5305% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7588% | 492 |
| Loan loss allowance to noncurrent loans | 31.6219% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 12.7123% | 244 |
| Noncurrent loans to loans | 11.8867% | 300 |
| Net loans and leases to total assets | 70.3612% | 2,447 |
| Net loans and leases to deposits | 95.0867% | 942 |
| Net loans and leases to core deposits | 117.0448% | 605 |
| Total domestic deposits to total assets | 73.9969% | 6,896 |
| Equity capital to assets | 10.0698% | 3,658 |
| Core capital (leverage) ratio | 10.5332% | 2,523 |
| Tier 1 risk-based capital ratio | 11.9192% | 5,550 |
| Total risk-based capital ratio | 13.1944% | 5,505 |
| Memoranda: | ||
| Average total assets | $63,342,200 | 6,078 |
| Average earning assets | $52,857,000 | 6,257 |
| Average equity | $6,966,400 | 6,044 |
| Average total loans | $50,696,200 | 5,456 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5252% | 2,337 |
| Cost of funding earning assets | 1.2895% | 4,293 |
| Net interest margin | 4.2356% | 2,085 |
| Noninterest income to average assets | 0.3348% | 5,483 |
| Noninterest expense to average assets | 3.0910% | 3,373 |
| Loan and lease loss provision to assets | 3.7185% | 179 |
| Net operating income to assets | -1.9032% | 7,215 |
| Return on assets (ROA) | -1.8908% | 7,221 |
| Pretax return on assets | -2.9079% | 7,397 |
| Return on Equity (ROE) | -16.8367% | 7,149 |
| Retained earnings to average equity (ytd only) | -16.8367% | 7,127 |
| Net charge-offs to loans | 1.3545% | 1,499 |
| Credit loss provision to net charge-offs | 335.7414% | 945 |
| Earnings coverage of net charge-offs (x) | 0.7148% | 5,341 |
| Efficiency ratio | 79.6095% | 2,403 |
| Assets per employee ($millions) | 4.3649% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2187% | 689 |
| Loan loss allowance to noncurrent loans | 29.6580% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 12.0639% | 270 |
| Noncurrent loans to loans | 10.8526% | 355 |
| Net loans and leases to total assets | 78.0896% | 1,027 |
| Net loans and leases to deposits | 106.9309% | 327 |
| Net loans and leases to core deposits | 135.3078% | 309 |
| Total domestic deposits to total assets | 73.0281% | 7,027 |
| Equity capital to assets | 11.1769% | 2,795 |
| Core capital (leverage) ratio | 11.0537% | 2,225 |
| Tier 1 risk-based capital ratio | 13.4916% | 4,214 |
| Total risk-based capital ratio | 14.7637% | 4,151 |
| Memoranda: | ||
| Average total assets | $63,321,000 | 6,151 |
| Average earning assets | $53,040,750 | 6,326 |
| Average equity | $7,111,250 | 6,072 |
| Average total loans | $51,777,500 | 5,490 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7713% | 1,508 |
| Cost of funding earning assets | 1.3118% | 4,466 |
| Net interest margin | 4.4595% | 1,293 |
| Noninterest income to average assets | 0.2841% | 5,867 |
| Noninterest expense to average assets | 3.0816% | 3,387 |
| Loan and lease loss provision to assets | 4.8424% | 116 |
| Net operating income to assets | -2.5255% | 7,424 |
| Return on assets (ROA) | -2.5133% | 7,433 |
| Pretax return on assets | -3.8746% | 7,587 |
| Return on Equity (ROE) | -22.3456% | 7,327 |
| Retained earnings to average equity (ytd only) | -22.3456% | 7,311 |
| Net charge-offs to loans | -0.6806% | 7,751 |
| Credit loss provision to net charge-offs | -866.4804% | 6,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4524% | 2,988 |
| Assets per employee ($millions) | 4.1959% | 3,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0677% | 350 |
| Loan loss allowance to noncurrent loans | 35.3181% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 11.7783% | 281 |
| Noncurrent loans to loans | 11.5174% | 322 |
| Net loans and leases to total assets | 77.7908% | 1,147 |
| Net loans and leases to deposits | 115.5371% | 185 |
| Net loans and leases to core deposits | 151.6917% | 207 |
| Total domestic deposits to total assets | 67.3298% | 7,458 |
| Equity capital to assets | 10.9981% | 2,860 |
| Core capital (leverage) ratio | 10.6036% | 2,539 |
| Tier 1 risk-based capital ratio | 12.1652% | 5,158 |
| Total risk-based capital ratio | 13.4455% | 5,107 |
| Memoranda: | ||
| Average total assets | $64,058,670 | 6,178 |
| Average earning assets | $53,818,000 | 6,329 |
| Average equity | $7,205,000 | 6,066 |
| Average total loans | $52,601,330 | 5,486 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6855% | 1,831 |
| Cost of funding earning assets | 1.3663% | 4,384 |
| Net interest margin | 4.3192% | 1,634 |
| Noninterest income to average assets | 0.2538% | 6,118 |
| Noninterest expense to average assets | 2.8536% | 4,261 |
| Loan and lease loss provision to assets | 8.3010% | 53 |
| Net operating income to assets | -4.7169% | 7,766 |
| Return on assets (ROA) | -4.7169% | 7,774 |
| Pretax return on assets | -7.2610% | 7,840 |
| Return on Equity (ROE) | -41.4891% | 7,660 |
| Retained earnings to average equity (ytd only) | -41.4891% | 7,644 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2909% | 3,705 |
| Assets per employee ($millions) | 4.3337% | 3,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2087% | 691 |
| Loan loss allowance to noncurrent loans | 36.1165% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 9.6745% | 421 |
| Noncurrent loans to loans | 8.8845% | 552 |
| Net loans and leases to total assets | 78.2820% | 1,097 |
| Net loans and leases to deposits | 125.0135% | 100 |
| Net loans and leases to core deposits | 163.5166% | 175 |
| Total domestic deposits to total assets | 62.6188% | 7,706 |
| Equity capital to assets | 10.7144% | 3,034 |
| Core capital (leverage) ratio | 10.9162% | 2,282 |
| Tier 1 risk-based capital ratio | 12.3270% | 4,879 |
| Total risk-based capital ratio | 13.5977% | 4,827 |
| Memoranda: | ||
| Average total assets | $64,619,000 | 6,222 |
| Average earning assets | $54,454,000 | 6,381 |
| Average equity | $7,346,500 | 6,072 |
| Average total loans | $53,384,000 | 5,521 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7700% | 404 |
| Cost of funding earning assets | 2.1360% | 2,301 |
| Net interest margin | 4.6340% | 925 |
| Noninterest income to average assets | -0.0227% | 7,736 |
| Noninterest expense to average assets | 2.9921% | 4,174 |
| Loan and lease loss provision to assets | 1.7234% | 1,322 |
| Net operating income to assets | -0.5211% | 6,207 |
| Return on assets (ROA) | -0.5211% | 6,195 |
| Pretax return on assets | -0.7816% | 6,256 |
| Return on Equity (ROE) | -4.0204% | 6,112 |
| Retained earnings to average equity (ytd only) | -4.0204% | 5,865 |
| Net charge-offs to loans | 2.0550% | 1,193 |
| Credit loss provision to net charge-offs | 98.2472% | 5,669 |
| Earnings coverage of net charge-offs (x) | 0.5369% | 5,578 |
| Efficiency ratio | 76.0592% | 3,517 |
| Assets per employee ($millions) | 4.5880% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6385% | 7,495 |
| Loan loss allowance to noncurrent loans | 10.8805% | 7,354 |
| Noncurrent assets plus other real estate owned to assets | 6.8190% | 756 |
| Noncurrent loans to loans | 5.8679% | 1,067 |
| Net loans and leases to total assets | 83.8320% | 452 |
| Net loans and leases to deposits | 150.7137% | 43 |
| Net loans and leases to core deposits | 245.9553% | 53 |
| Total domestic deposits to total assets | 55.6234% | 7,858 |
| Equity capital to assets | 12.0314% | 2,017 |
| Core capital (leverage) ratio | 11.8892% | 1,711 |
| Tier 1 risk-based capital ratio | 13.1997% | 4,014 |
| Total risk-based capital ratio | 13.7906% | 4,433 |
| Memoranda: | ||
| Average total assets | $61,796,000 | 6,279 |
| Average earning assets | $52,762,000 | 6,424 |
| Average equity | $8,009,200 | 5,919 |
| Average total loans | $52,750,200 | 5,555 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8800% | 367 |
| Cost of funding earning assets | 2.3307% | 1,875 |
| Net interest margin | 4.5493% | 1,075 |
| Noninterest income to average assets | 0.2266% | 6,612 |
| Noninterest expense to average assets | 2.9766% | 4,139 |
| Loan and lease loss provision to assets | 0.8259% | 2,312 |
| Net operating income to assets | 0.1918% | 5,188 |
| Return on assets (ROA) | 0.1918% | 5,263 |
| Pretax return on assets | 0.3160% | 5,017 |
| Return on Equity (ROE) | 1.4522% | 5,351 |
| Retained earnings to average equity (ytd only) | 1.4522% | 4,505 |
| Net charge-offs to loans | 0.7966% | 2,371 |
| Credit loss provision to net charge-offs | 121.0863% | 4,190 |
| Earnings coverage of net charge-offs (x) | 1.6741% | 4,542 |
| Efficiency ratio | 72.2751% | 4,197 |
| Assets per employee ($millions) | 4.6335% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7802% | 7,182 |
| Loan loss allowance to noncurrent loans | 21.1171% | 7,030 |
| Noncurrent assets plus other real estate owned to assets | 5.2167% | 1,115 |
| Noncurrent loans to loans | 3.6948% | 2,022 |
| Net loans and leases to total assets | 84.4918% | 489 |
| Net loans and leases to deposits | 131.3136% | 102 |
| Net loans and leases to core deposits | 206.6471% | 89 |
| Total domestic deposits to total assets | 64.3435% | 7,755 |
| Equity capital to assets | 12.5453% | 1,920 |
| Core capital (leverage) ratio | 12.6231% | 1,531 |
| Tier 1 risk-based capital ratio | 13.8180% | 3,657 |
| Total risk-based capital ratio | 14.5499% | 3,934 |
| Memoranda: | ||
| Average total assets | $61,187,000 | 6,349 |
| Average earning assets | $52,343,750 | 6,486 |
| Average equity | $8,079,500 | 5,957 |
| Average total loans | $52,389,500 | 5,619 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9633% | 342 |
| Cost of funding earning assets | 2.6030% | 1,275 |
| Net interest margin | 4.3604% | 1,498 |
| Noninterest income to average assets | 0.2135% | 6,775 |
| Noninterest expense to average assets | 2.9753% | 4,180 |
| Loan and lease loss provision to assets | 0.9173% | 1,840 |
| Net operating income to assets | 0.0334% | 5,746 |
| Return on assets (ROA) | 0.0334% | 5,836 |
| Pretax return on assets | 0.0534% | 5,775 |
| Return on Equity (ROE) | 0.2481% | 5,848 |
| Retained earnings to average equity (ytd only) | 0.2481% | 5,114 |
| Net charge-offs to loans | 1.2170% | 1,506 |
| Credit loss provision to net charge-offs | 87.8594% | 4,982 |
| Earnings coverage of net charge-offs (x) | 0.9297% | 4,836 |
| Efficiency ratio | 75.4015% | 3,809 |
| Assets per employee ($millions) | 4.4831% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6170% | 7,601 |
| Loan loss allowance to noncurrent loans | 46.3173% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 3.2646% | 1,910 |
| Noncurrent loans to loans | 1.3321% | 4,549 |
| Net loans and leases to total assets | 83.9239% | 649 |
| Net loans and leases to deposits | 118.5817% | 263 |
| Net loans and leases to core deposits | 178.6649% | 231 |
| Total domestic deposits to total assets | 70.7731% | 7,395 |
| Equity capital to assets | 12.8433% | 1,768 |
| Core capital (leverage) ratio | 12.8653% | 1,473 |
| Tier 1 risk-based capital ratio | 14.1959% | 3,405 |
| Total risk-based capital ratio | 14.7718% | 3,738 |
| Memoranda: | ||
| Average total assets | $59,959,670 | 6,447 |
| Average earning assets | $51,326,000 | 6,582 |
| Average equity | $8,060,000 | 5,998 |
| Average total loans | $51,439,330 | 5,701 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0456% | 309 |
| Cost of funding earning assets | 2.9151% | 742 |
| Net interest margin | 4.1304% | 2,165 |
| Noninterest income to average assets | 0.1571% | 7,186 |
| Noninterest expense to average assets | 3.0193% | 3,682 |
| Loan and lease loss provision to assets | 0.4850% | 2,539 |
| Net operating income to assets | 0.1230% | 5,910 |
| Return on assets (ROA) | 0.1230% | 6,077 |
| Pretax return on assets | 0.2049% | 5,926 |
| Return on Equity (ROE) | 0.8934% | 6,155 |
| Retained earnings to average equity (ytd only) | 0.8934% | 5,296 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3996% | 2,623 |
| Assets per employee ($millions) | 4.3668% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8234% | 7,073 |
| Loan loss allowance to noncurrent loans | 26.5854% | 6,799 |
| Noncurrent assets plus other real estate owned to assets | 2.6826% | 2,124 |
| Noncurrent loans to loans | 3.0973% | 2,089 |
| Net loans and leases to total assets | 85.8968% | 460 |
| Net loans and leases to deposits | 109.8506% | 618 |
| Net loans and leases to core deposits | 176.1590% | 277 |
| Total domestic deposits to total assets | 78.1942% | 5,946 |
| Equity capital to assets | 13.1970% | 1,660 |
| Core capital (leverage) ratio | 13.8134% | 1,228 |
| Tier 1 risk-based capital ratio | 15.6248% | 2,806 |
| Total risk-based capital ratio | 16.4691% | 2,916 |
| Memoranda: | ||
| Average total assets | $58,557,500 | 6,525 |
| Average earning assets | $50,358,000 | 6,647 |
| Average equity | $8,059,500 | 6,040 |
| Average total loans | $50,658,500 | 5,774 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4628% | 442 |
| Cost of funding earning assets | 3.2540% | 1,034 |
| Net interest margin | 4.2088% | 2,281 |
| Noninterest income to average assets | 0.1256% | 7,489 |
| Noninterest expense to average assets | 3.2899% | 2,994 |
| Loan and lease loss provision to assets | 0.4703% | 2,949 |
| Net operating income to assets | 0.0091% | 6,341 |
| Return on assets (ROA) | 0.0091% | 6,200 |
| Pretax return on assets | 0.0183% | 6,120 |
| Return on Equity (ROE) | 0.0496% | 6,215 |
| Retained earnings to average equity (ytd only) | 0.0496% | 5,206 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0695% | 1,759 |
| Assets per employee ($millions) | 4.3062% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7546% | 7,264 |
| Loan loss allowance to noncurrent loans | 22.2425% | 7,133 |
| Noncurrent assets plus other real estate owned to assets | 2.9314% | 1,578 |
| Noncurrent loans to loans | 3.3927% | 1,514 |
| Net loans and leases to total assets | 85.7503% | 630 |
| Net loans and leases to deposits | 115.4668% | 548 |
| Net loans and leases to core deposits | 193.2488% | 198 |
| Total domestic deposits to total assets | 74.2640% | 6,612 |
| Equity capital to assets | 14.3819% | 1,330 |
| Core capital (leverage) ratio | 18.1718% | 589 |
| Tier 1 risk-based capital ratio | 15.2530% | 2,934 |
| Total risk-based capital ratio | 15.9445% | 3,124 |
| Memoranda: | ||
| Average total assets | $43,800,400 | 7,036 |
| Average earning assets | $38,015,200 | 7,135 |
| Average equity | $8,068,200 | 6,062 |
| Average total loans | $36,496,600 | 6,341 |