Home > Community Bank of Lemont > Performance and Condition Ratios
Community Bank of Lemont, Performance and Condition Ratios
| 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 | 3.9208% | 7,828 |
| Cost of funding earning assets | 2.6494% | 912 |
| Net interest margin | 1.2714% | 7,981 |
| Noninterest income to average assets | 0.1381% | 7,188 |
| Noninterest expense to average assets | 6.9210% | 205 |
| Loan and lease loss provision to assets | 14.4210% | 7 |
| Net operating income to assets | -20.9182% | 8,088 |
| Return on assets (ROA) | -20.9182% | 8,087 |
| Pretax return on assets | -20.1313% | 8,086 |
| Return on Equity (ROE) | -979.3639% | 8,097 |
| Retained earnings to average equity (ytd only) | -979.3639% | 8,097 |
| Net charge-offs to loans | 19.2377% | 6 |
| Credit loss provision to net charge-offs | 95.0486% | 5,339 |
| Earnings coverage of net charge-offs (x) | -0.3764% | 6,407 |
| Efficiency ratio | 571.6667% | 27 |
| Assets per employee ($millions) | 4.8143% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8744% | 150 |
| Loan loss allowance to noncurrent loans | 10.3197% | 7,446 |
| Noncurrent assets plus other real estate owned to assets | 37.8310% | 3 |
| Noncurrent loans to loans | 47.2333% | 5 |
| Net loans and leases to total assets | 53.7945% | 6,404 |
| Net loans and leases to deposits | 54.5645% | 7,170 |
| Net loans and leases to core deposits | 84.6901% | 5,987 |
| Total domestic deposits to total assets | 98.5888% | 10 |
| Equity capital to assets | -2.0894% | 8,090 |
| Core capital (leverage) ratio | -2.1754% | 8,091 |
| Tier 1 risk-based capital ratio | -3.1239% | 8,092 |
| Total risk-based capital ratio | -3.1239% | 8,092 |
| Memoranda: | ||
| Average total assets | $85,900,500 | 5,558 |
| Average earning assets | $72,467,000 | 5,771 |
| Average equity | $1,834,750 | 7,950 |
| Average total loans | $67,747,250 | 4,994 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9564% | 7,919 |
| Cost of funding earning assets | 2.5177% | 1,554 |
| Net interest margin | 1.4387% | 8,030 |
| Noninterest income to average assets | 0.1421% | 7,238 |
| Noninterest expense to average assets | 6.2577% | 296 |
| Loan and lease loss provision to assets | 8.3940% | 63 |
| Net operating income to assets | -12.7675% | 8,153 |
| Return on assets (ROA) | -12.7675% | 8,147 |
| Pretax return on assets | -13.1892% | 8,146 |
| Return on Equity (ROE) | -369.3230% | 8,175 |
| Retained earnings to average equity (ytd only) | -369.3230% | 8,175 |
| Net charge-offs to loans | 13.0597% | 32 |
| Credit loss provision to net charge-offs | 74.8722% | 5,324 |
| Earnings coverage of net charge-offs (x) | -0.4277% | 6,032 |
| Efficiency ratio | 427.8997% | 49 |
| Assets per employee ($millions) | 3.9205% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1916% | 1,261 |
| Loan loss allowance to noncurrent loans | 4.4315% | 7,547 |
| Noncurrent assets plus other real estate owned to assets | 44.1868% | 3 |
| Noncurrent loans to loans | 49.4546% | 4 |
| Net loans and leases to total assets | 81.9082% | 970 |
| Net loans and leases to deposits | 101.1201% | 1,160 |
| Net loans and leases to core deposits | 167.9869% | 346 |
| Total domestic deposits to total assets | 81.0009% | 5,081 |
| Equity capital to assets | 3.2163% | 8,115 |
| Core capital (leverage) ratio | 3.1551% | 8,121 |
| Tier 1 risk-based capital ratio | 3.4941% | 8,131 |
| Total risk-based capital ratio | 6.5001% | 8,097 |
| Memoranda: | ||
| Average total assets | $87,253,000 | 5,545 |
| Average earning assets | $80,073,330 | 5,526 |
| Average equity | $3,016,330 | 7,725 |
| Average total loans | $74,902,000 | 4,777 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2938% | 7,852 |
| Cost of funding earning assets | 2.6512% | 1,405 |
| Net interest margin | 1.6426% | 8,022 |
| Noninterest income to average assets | 0.1516% | 7,217 |
| Noninterest expense to average assets | 4.4185% | 771 |
| Loan and lease loss provision to assets | 16.3273% | 16 |
| Net operating income to assets | -18.2490% | 8,217 |
| Return on assets (ROA) | -18.2490% | 8,212 |
| Pretax return on assets | -19.0694% | 8,210 |
| Return on Equity (ROE) | -511.5451% | 8,239 |
| Retained earnings to average equity (ytd only) | -511.5451% | 8,239 |
| Net charge-offs to loans | 25.0950% | 9 |
| Credit loss provision to net charge-offs | 74.9488% | 4,269 |
| Earnings coverage of net charge-offs (x) | -0.1259% | 5,098 |
| Efficiency ratio | 263.5638% | 118 |
| Assets per employee ($millions) | 4.0895% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0545% | 1,320 |
| Loan loss allowance to noncurrent loans | 4.9101% | 7,550 |
| Noncurrent assets plus other real estate owned to assets | 36.2999% | 5 |
| Noncurrent loans to loans | 41.8411% | 7 |
| Net loans and leases to total assets | 84.1591% | 668 |
| Net loans and leases to deposits | 99.8094% | 1,437 |
| Net loans and leases to core deposits | 177.9997% | 255 |
| Total domestic deposits to total assets | 84.3198% | 3,547 |
| Equity capital to assets | 1.3519% | 8,225 |
| Core capital (leverage) ratio | 1.2113% | 8,230 |
| Tier 1 risk-based capital ratio | 1.4132% | 8,233 |
| Total risk-based capital ratio | 2.8265% | 8,230 |
| Memoranda: | ||
| Average total assets | $89,714,500 | 5,496 |
| Average earning assets | $83,282,500 | 5,451 |
| Average equity | $3,200,500 | 7,718 |
| Average total loans | $77,880,000 | 4,689 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9908% | 5,587 |
| Cost of funding earning assets | 3.4929% | 531 |
| Net interest margin | 2.4979% | 7,757 |
| Noninterest income to average assets | 0.1603% | 7,275 |
| Noninterest expense to average assets | 3.1478% | 3,524 |
| Loan and lease loss provision to assets | 2.4161% | 441 |
| Net operating income to assets | -2.0110% | 7,605 |
| Return on assets (ROA) | -2.0018% | 7,567 |
| Pretax return on assets | -3.0692% | 7,724 |
| Return on Equity (ROE) | -31.0633% | 7,977 |
| Retained earnings to average equity (ytd only) | -31.0633% | 7,929 |
| Net charge-offs to loans | 0.7713% | 1,614 |
| Credit loss provision to net charge-offs | 364.2857% | 1,214 |
| Earnings coverage of net charge-offs (x) | -1.0061% | 6,594 |
| Efficiency ratio | 126.8996% | 494 |
| Assets per employee ($millions) | 4.6775% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3415% | 321 |
| Loan loss allowance to noncurrent loans | 8.0680% | 7,525 |
| Noncurrent assets plus other real estate owned to assets | 36.5858% | 5 |
| Noncurrent loans to loans | 41.4169% | 6 |
| Net loans and leases to total assets | 84.6927% | 784 |
| Net loans and leases to deposits | 99.2758% | 1,947 |
| Net loans and leases to core deposits | 172.3515% | 367 |
| Total domestic deposits to total assets | 85.3105% | 2,699 |
| Equity capital to assets | 5.6013% | 8,123 |
| Core capital (leverage) ratio | 5.4566% | 8,168 |
| Tier 1 risk-based capital ratio | 6.0769% | 8,230 |
| Total risk-based capital ratio | 10.8618% | 7,083 |
| Memoranda: | ||
| Average total assets | $99,210,600 | 5,076 |
| Average earning assets | $92,157,800 | 5,024 |
| Average equity | $6,393,400 | 6,680 |
| Average total loans | $85,313,400 | 4,352 |