Home > Detroit Commerce Bank > Performance and Condition Ratios
Detroit Commerce Bank, Performance and Condition Ratios
| 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 | 6.8736% | 1,482 |
| Cost of funding earning assets | 3.0299% | 1,753 |
| Net interest margin | 3.8437% | 3,826 |
| Noninterest income to average assets | 0.1722% | 7,190 |
| Noninterest expense to average assets | 3.2095% | 3,304 |
| Loan and lease loss provision to assets | 2.8952% | 322 |
| Net operating income to assets | -1.5497% | 7,487 |
| Return on assets (ROA) | -1.5497% | 7,435 |
| Pretax return on assets | -2.3241% | 7,539 |
| Return on Equity (ROE) | -18.5887% | 7,729 |
| Retained earnings to average equity (ytd only) | -18.5887% | 7,642 |
| Net charge-offs to loans | 1.9531% | 558 |
| Credit loss provision to net charge-offs | 157.3913% | 3,306 |
| Earnings coverage of net charge-offs (x) | 0.3105% | 6,049 |
| Efficiency ratio | 84.8930% | 1,963 |
| Assets per employee ($millions) | 4.2102% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6045% | 610 |
| Loan loss allowance to noncurrent loans | 49.8691% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 8.3459% | 266 |
| Noncurrent loans to loans | 5.2227% | 812 |
| Net loans and leases to total assets | 91.6333% | 95 |
| Net loans and leases to deposits | 105.7640% | 1,144 |
| Net loans and leases to core deposits | 151.1649% | 811 |
| Total domestic deposits to total assets | 86.6395% | 2,119 |
| Equity capital to assets | 8.4171% | 6,222 |
| Core capital (leverage) ratio | 7.9800% | 6,528 |
| Tier 1 risk-based capital ratio | 8.7538% | 7,931 |
| Total risk-based capital ratio | 10.0210% | 7,993 |
| Memoranda: | ||
| Average total assets | $106,278,200 | 4,868 |
| Average earning assets | $99,772,400 | 4,808 |
| Average equity | $8,860,200 | 5,784 |
| Average total loans | $100,097,800 | 3,946 |