Home > Community First Bank - Chicago > Performance and Condition Ratios
Community First Bank - Chicago, 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 | 5.6952% | 1,585 |
| Cost of funding earning assets | 1.9441% | 733 |
| Net interest margin | 3.7511% | 4,148 |
| Noninterest income to average assets | 0.0949% | 6,916 |
| Noninterest expense to average assets | 5.7642% | 257 |
| Loan and lease loss provision to assets | 0.2179% | 5,081 |
| Net operating income to assets | -3.2898% | 7,346 |
| Return on assets (ROA) | -3.0543% | 7,324 |
| Pretax return on assets | -3.0543% | 7,305 |
| Return on Equity (ROE) | -79.0287% | 7,549 |
| Retained earnings to average equity (ytd only) | -79.0287% | 7,547 |
| Net charge-offs to loans | 1.5174% | 1,448 |
| Credit loss provision to net charge-offs | 21.6028% | 6,549 |
| Earnings coverage of net charge-offs (x) | -3.0453% | 6,740 |
| Efficiency ratio | 214.0992% | 78 |
| Assets per employee ($millions) | 3.9295% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1982% | 101 |
| Loan loss allowance to noncurrent loans | 95.8904% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 18.2957% | 86 |
| Noncurrent loans to loans | 6.4638% | 931 |
| Net loans and leases to total assets | 62.2144% | 4,239 |
| Net loans and leases to deposits | 64.1989% | 5,604 |
| Net loans and leases to core deposits | 65.7447% | 5,901 |
| Total domestic deposits to total assets | 96.9090% | 21 |
| Equity capital to assets | 2.4881% | 7,587 |
| Core capital (leverage) ratio | 2.2354% | 7,599 |
| Tier 1 risk-based capital ratio | 2.7705% | 7,612 |
| Total risk-based capital ratio | 4.0619% | 7,612 |
| Memoranda: | ||
| Average total assets | $56,903,400 | 6,315 |
| Average earning assets | $39,401,800 | 6,738 |
| Average equity | $2,199,200 | 7,467 |
| Average total loans | $37,828,000 | 6,020 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6297% | 1,946 |
| Cost of funding earning assets | 1.9904% | 775 |
| Net interest margin | 3.6393% | 4,678 |
| Noninterest income to average assets | 0.0365% | 7,339 |
| Noninterest expense to average assets | 5.7277% | 244 |
| Loan and lease loss provision to assets | 0.2833% | 4,316 |
| Net operating income to assets | -3.4179% | 7,508 |
| Return on assets (ROA) | -3.1117% | 7,484 |
| Pretax return on assets | -3.1117% | 7,447 |
| Return on Equity (ROE) | -74.6920% | 7,649 |
| Retained earnings to average equity (ytd only) | -74.6920% | 7,648 |
| Net charge-offs to loans | 1.1542% | 1,767 |
| Credit loss provision to net charge-offs | 36.9048% | 6,064 |
| Earnings coverage of net charge-offs (x) | -4.0833% | 6,579 |
| Efficiency ratio | 220.8811% | 64 |
| Assets per employee ($millions) | 4.3770% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3894% | 92 |
| Loan loss allowance to noncurrent loans | 116.6667% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 14.4971% | 173 |
| Noncurrent loans to loans | 5.4766% | 1,212 |
| Net loans and leases to total assets | 60.1993% | 4,872 |
| Net loans and leases to deposits | 62.3866% | 6,079 |
| Net loans and leases to core deposits | 63.7307% | 6,321 |
| Total domestic deposits to total assets | 96.4939% | 20 |
| Equity capital to assets | 2.8998% | 7,697 |
| Core capital (leverage) ratio | 2.7612% | 7,690 |
| Tier 1 risk-based capital ratio | 3.4859% | 7,699 |
| Total risk-based capital ratio | 4.7832% | 7,700 |
| Memoranda: | ||
| Average total assets | $58,358,500 | 6,334 |
| Average earning assets | $40,995,500 | 6,760 |
| Average equity | $2,431,250 | 7,509 |
| Average total loans | $38,814,750 | 6,049 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4942% | 2,540 |
| Cost of funding earning assets | 1.9605% | 1,014 |
| Net interest margin | 3.5336% | 5,116 |
| Noninterest income to average assets | -0.0544% | 7,590 |
| Noninterest expense to average assets | 5.1832% | 329 |
| Loan and lease loss provision to assets | 0.4215% | 3,213 |
| Net operating income to assets | -3.0861% | 7,521 |
| Return on assets (ROA) | -2.6307% | 7,452 |
| Pretax return on assets | -2.6307% | 7,397 |
| Return on Equity (ROE) | -57.5108% | 7,647 |
| Retained earnings to average equity (ytd only) | -57.5108% | 7,644 |
| Net charge-offs to loans | 1.5472% | 1,234 |
| Credit loss provision to net charge-offs | 40.5229% | 5,605 |
| Earnings coverage of net charge-offs (x) | -2.5621% | 6,241 |
| Efficiency ratio | 205.8030% | 91 |
| Assets per employee ($millions) | 4.6552% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2550% | 92 |
| Loan loss allowance to noncurrent loans | 84.4508% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 14.0324% | 177 |
| Noncurrent loans to loans | 7.4066% | 729 |
| Net loans and leases to total assets | 58.6447% | 5,308 |
| Net loans and leases to deposits | 61.1296% | 6,294 |
| Net loans and leases to core deposits | 62.6622% | 6,496 |
| Total domestic deposits to total assets | 95.9350% | 29 |
| Equity capital to assets | 3.6849% | 7,712 |
| Core capital (leverage) ratio | 3.6565% | 7,702 |
| Tier 1 risk-based capital ratio | 4.6688% | 7,718 |
| Total risk-based capital ratio | 5.9649% | 7,719 |
| Memoranda: | ||
| Average total assets | $58,844,330 | 6,355 |
| Average earning assets | $42,845,330 | 6,747 |
| Average equity | $2,691,670 | 7,502 |
| Average total loans | $39,555,670 | 6,064 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1659% | 4,220 |
| Cost of funding earning assets | 1.7629% | 2,052 |
| Net interest margin | 3.4030% | 5,569 |
| Noninterest income to average assets | 0.1103% | 7,144 |
| Noninterest expense to average assets | 4.8683% | 408 |
| Loan and lease loss provision to assets | 0.2827% | 3,767 |
| Net operating income to assets | -2.3652% | 7,531 |
| Return on assets (ROA) | -2.0549% | 7,479 |
| Pretax return on assets | -2.0549% | 7,427 |
| Return on Equity (ROE) | -40.7870% | 7,657 |
| Retained earnings to average equity (ytd only) | -40.7870% | 7,641 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 174.7525% | 130 |
| Assets per employee ($millions) | 4.2864% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3644% | 84 |
| Loan loss allowance to noncurrent loans | 54.6048% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 15.4577% | 124 |
| Noncurrent loans to loans | 11.6553% | 309 |
| Net loans and leases to total assets | 63.5238% | 4,425 |
| Net loans and leases to deposits | 66.8573% | 5,726 |
| Net loans and leases to core deposits | 68.2262% | 6,076 |
| Total domestic deposits to total assets | 95.0141% | 47 |
| Equity capital to assets | 4.6026% | 7,753 |
| Core capital (leverage) ratio | 4.5869% | 7,735 |
| Tier 1 risk-based capital ratio | 5.3342% | 7,782 |
| Total risk-based capital ratio | 6.6312% | 7,783 |
| Memoranda: | ||
| Average total assets | $58,008,000 | 6,471 |
| Average earning assets | $45,607,000 | 6,721 |
| Average equity | $2,922,500 | 7,517 |
| Average total loans | $40,404,500 | 6,103 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3415% | 4,980 |
| Cost of funding earning assets | 2.6483% | 675 |
| Net interest margin | 2.6932% | 7,218 |
| Noninterest income to average assets | 0.1062% | 7,233 |
| Noninterest expense to average assets | 4.5101% | 794 |
| Loan and lease loss provision to assets | 4.9364% | 202 |
| Net operating income to assets | -7.0877% | 7,897 |
| Return on assets (ROA) | -6.8868% | 7,884 |
| Pretax return on assets | -6.8868% | 7,862 |
| Return on Equity (ROE) | -80.3354% | 7,865 |
| Retained earnings to average equity (ytd only) | -80.3354% | 7,862 |
| Net charge-offs to loans | 2.4406% | 941 |
| Credit loss provision to net charge-offs | 287.8095% | 1,168 |
| Earnings coverage of net charge-offs (x) | -1.2543% | 6,923 |
| Efficiency ratio | 191.2050% | 161 |
| Assets per employee ($millions) | 3.7338% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3594% | 88 |
| Loan loss allowance to noncurrent loans | 53.4815% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 16.8122% | 100 |
| Noncurrent loans to loans | 11.8909% | 288 |
| Net loans and leases to total assets | 67.0416% | 3,918 |
| Net loans and leases to deposits | 71.4234% | 5,414 |
| Net loans and leases to core deposits | 111.8166% | 2,715 |
| Total domestic deposits to total assets | 93.8651% | 80 |
| Equity capital to assets | 5.5047% | 7,734 |
| Core capital (leverage) ratio | 5.0756% | 7,762 |
| Tier 1 risk-based capital ratio | 5.9274% | 7,817 |
| Total risk-based capital ratio | 7.2248% | 7,819 |
| Memoranda: | ||
| Average total assets | $61,218,400 | 6,304 |
| Average earning assets | $51,202,800 | 6,488 |
| Average equity | $5,248,000 | 6,853 |
| Average total loans | $43,022,200 | 5,979 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3130% | 5,358 |
| Cost of funding earning assets | 2.8211% | 567 |
| Net interest margin | 2.4919% | 7,474 |
| Noninterest income to average assets | 0.1066% | 7,373 |
| Noninterest expense to average assets | 4.3206% | 890 |
| Loan and lease loss provision to assets | 4.5253% | 219 |
| Net operating income to assets | -6.6408% | 7,965 |
| Return on assets (ROA) | -6.3806% | 7,943 |
| Pretax return on assets | -6.3806% | 7,928 |
| Return on Equity (ROE) | -68.9075% | 7,927 |
| Retained earnings to average equity (ytd only) | -68.9075% | 7,924 |
| Net charge-offs to loans | 1.8010% | 1,124 |
| Credit loss provision to net charge-offs | 359.0525% | 1,139 |
| Earnings coverage of net charge-offs (x) | -1.6785% | 6,714 |
| Efficiency ratio | 195.9381% | 165 |
| Assets per employee ($millions) | 3.7563% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2459% | 120 |
| Loan loss allowance to noncurrent loans | 70.0897% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 14.2244% | 141 |
| Noncurrent loans to loans | 7.4845% | 690 |
| Net loans and leases to total assets | 63.3833% | 4,999 |
| Net loans and leases to deposits | 72.4427% | 5,586 |
| Net loans and leases to core deposits | 103.3002% | 4,019 |
| Total domestic deposits to total assets | 87.4944% | 1,893 |
| Equity capital to assets | 7.1629% | 7,514 |
| Core capital (leverage) ratio | 6.8866% | 7,498 |
| Tier 1 risk-based capital ratio | 8.4357% | 7,738 |
| Total risk-based capital ratio | 9.7222% | 7,759 |
| Memoranda: | ||
| Average total assets | $62,521,250 | 6,297 |
| Average earning assets | $52,649,250 | 6,470 |
| Average equity | $5,789,250 | 6,741 |
| Average total loans | $43,753,250 | 5,983 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3761% | 5,270 |
| Cost of funding earning assets | 2.9159% | 583 |
| Net interest margin | 2.4602% | 7,517 |
| Noninterest income to average assets | 0.1042% | 7,456 |
| Noninterest expense to average assets | 4.1246% | 1,162 |
| Loan and lease loss provision to assets | 6.6795% | 107 |
| Net operating income to assets | -8.6028% | 8,090 |
| Return on assets (ROA) | -8.2175% | 8,074 |
| Pretax return on assets | -8.2175% | 8,058 |
| Return on Equity (ROE) | -82.8135% | 8,044 |
| Retained earnings to average equity (ytd only) | -82.8135% | 8,043 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 187.3745% | 225 |
| Assets per employee ($millions) | 3.6126% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1946% | 73 |
| Loan loss allowance to noncurrent loans | 58.9149% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 12.3553% | 168 |
| Noncurrent loans to loans | 10.5146% | 317 |
| Net loans and leases to total assets | 66.4007% | 4,479 |
| Net loans and leases to deposits | 78.4427% | 4,796 |
| Net loans and leases to core deposits | 109.4383% | 3,439 |
| Total domestic deposits to total assets | 84.6487% | 3,423 |
| Equity capital to assets | 7.5096% | 7,252 |
| Core capital (leverage) ratio | 7.1723% | 7,384 |
| Tier 1 risk-based capital ratio | 9.0272% | 7,683 |
| Total risk-based capital ratio | 10.3278% | 7,668 |
| Memoranda: | ||
| Average total assets | $63,328,000 | 6,320 |
| Average earning assets | $53,979,670 | 6,474 |
| Average equity | $6,284,000 | 6,614 |
| Average total loans | $44,936,670 | 5,982 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6983% | 3,817 |
| Cost of funding earning assets | 3.0386% | 546 |
| Net interest margin | 2.6597% | 7,279 |
| Noninterest income to average assets | 0.1058% | 7,508 |
| Noninterest expense to average assets | 4.0072% | 1,178 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.6303% | 7,550 |
| Return on assets (ROA) | -1.6303% | 7,551 |
| Pretax return on assets | -1.6303% | 7,412 |
| Return on Equity (ROE) | -14.7191% | 7,593 |
| Retained earnings to average equity (ytd only) | -14.7191% | 7,422 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 168.5864% | 280 |
| Assets per employee ($millions) | 3.8341% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 4,186 |
| Loan loss allowance to noncurrent loans | 26.4531% | 6,813 |
| Noncurrent assets plus other real estate owned to assets | 7.7110% | 405 |
| Noncurrent loans to loans | 4.8434% | 1,139 |
| Net loans and leases to total assets | 68.3262% | 4,063 |
| Net loans and leases to deposits | 81.6422% | 4,340 |
| Net loans and leases to core deposits | 115.0537% | 2,907 |
| Total domestic deposits to total assets | 83.6898% | 3,849 |
| Equity capital to assets | 10.7809% | 3,204 |
| Core capital (leverage) ratio | 10.6220% | 2,813 |
| Tier 1 risk-based capital ratio | 12.7423% | 4,351 |
| Total risk-based capital ratio | 13.8143% | 4,426 |
| Memoranda: | ||
| Average total assets | $64,284,500 | 6,319 |
| Average earning assets | $54,893,500 | 6,466 |
| Average equity | $7,120,000 | 6,367 |
| Average total loans | $45,668,500 | 5,976 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2326% | 4,340 |
| Cost of funding earning assets | 3.6448% | 323 |
| Net interest margin | 2.5878% | 7,655 |
| Noninterest income to average assets | 0.1003% | 7,629 |
| Noninterest expense to average assets | 4.2224% | 1,126 |
| Loan and lease loss provision to assets | 0.3994% | 3,292 |
| Net operating income to assets | -2.2252% | 7,650 |
| Return on assets (ROA) | -2.1945% | 7,606 |
| Pretax return on assets | -2.1945% | 7,502 |
| Return on Equity (ROE) | -17.0911% | 7,669 |
| Retained earnings to average equity (ytd only) | -17.0911% | 7,571 |
| Net charge-offs to loans | 0.5291% | 2,245 |
| Credit loss provision to net charge-offs | 93.5606% | 5,581 |
| Earnings coverage of net charge-offs (x) | -4.2765% | 6,814 |
| Efficiency ratio | 176.1808% | 260 |
| Assets per employee ($millions) | 3.9618% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 4,131 |
| Loan loss allowance to noncurrent loans | 26.1302% | 6,930 |
| Noncurrent assets plus other real estate owned to assets | 7.8563% | 304 |
| Noncurrent loans to loans | 4.7854% | 959 |
| Net loans and leases to total assets | 72.0093% | 3,579 |
| Net loans and leases to deposits | 83.1227% | 4,563 |
| Net loans and leases to core deposits | 117.0740% | 2,999 |
| Total domestic deposits to total assets | 86.6302% | 2,130 |
| Equity capital to assets | 11.3789% | 2,721 |
| Core capital (leverage) ratio | 11.0938% | 2,515 |
| Tier 1 risk-based capital ratio | 13.0831% | 4,066 |
| Total risk-based capital ratio | 14.1446% | 4,094 |
| Memoranda: | ||
| Average total assets | $61,837,200 | 6,325 |
| Average earning assets | $54,872,800 | 6,375 |
| Average equity | $7,939,800 | 6,109 |
| Average total loans | $49,900,400 | 5,708 |