Home > Downers Grove National Bank > Performance and Condition Ratios
Downers Grove National Bank, 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 | 4.3733% | 6,666 |
| Cost of funding earning assets | 0.9085% | 6,143 |
| Net interest margin | 3.4648% | 5,382 |
| Noninterest income to average assets | 0.7026% | 2,829 |
| Noninterest expense to average assets | 3.6837% | 1,741 |
| Loan and lease loss provision to assets | 4.5819% | 98 |
| Net operating income to assets | -4.9584% | 7,531 |
| Return on assets (ROA) | -4.9576% | 7,537 |
| Pretax return on assets | -4.3767% | 7,489 |
| Return on Equity (ROE) | -97.2674% | 7,588 |
| Retained earnings to average equity (ytd only) | -97.2674% | 7,588 |
| Net charge-offs to loans | 5.8753% | 103 |
| Credit loss provision to net charge-offs | 108.9215% | 4,054 |
| Earnings coverage of net charge-offs (x) | 0.0486% | 6,066 |
| Efficiency ratio | 94.7447% | 1,021 |
| Assets per employee ($millions) | 4.0562% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5954% | 256 |
| Loan loss allowance to noncurrent loans | 32.1194% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 15.2801% | 157 |
| Noncurrent loans to loans | 14.3071% | 189 |
| Net loans and leases to total assets | 61.6095% | 4,371 |
| Net loans and leases to deposits | 63.4603% | 5,689 |
| Net loans and leases to core deposits | 65.1034% | 5,967 |
| Total domestic deposits to total assets | 97.0836% | 19 |
| Equity capital to assets | 2.4352% | 7,591 |
| Core capital (leverage) ratio | 2.2552% | 7,594 |
| Tier 1 risk-based capital ratio | 3.6814% | 7,577 |
| Total risk-based capital ratio | 4.9726% | 7,578 |
| Memoranda: | ||
| Average total assets | $239,815,200 | 2,639 |
| Average earning assets | $220,472,000 | 2,631 |
| Average equity | $12,223,000 | 4,546 |
| Average total loans | $171,701,000 | 2,445 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4634% | 6,683 |
| Cost of funding earning assets | 0.9672% | 6,093 |
| Net interest margin | 3.4963% | 5,307 |
| Noninterest income to average assets | 0.6900% | 2,877 |
| Noninterest expense to average assets | 3.5307% | 1,962 |
| Loan and lease loss provision to assets | 4.6832% | 110 |
| Net operating income to assets | -4.1450% | 7,583 |
| Return on assets (ROA) | -4.1439% | 7,595 |
| Pretax return on assets | -4.2947% | 7,589 |
| Return on Equity (ROE) | -72.8067% | 7,643 |
| Retained earnings to average equity (ytd only) | -72.8067% | 7,642 |
| Net charge-offs to loans | 5.7314% | 118 |
| Credit loss provision to net charge-offs | 111.6792% | 3,791 |
| Earnings coverage of net charge-offs (x) | 0.0924% | 5,935 |
| Efficiency ratio | 90.1111% | 1,277 |
| Assets per employee ($millions) | 4.0711% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0827% | 340 |
| Loan loss allowance to noncurrent loans | 31.8471% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 11.5547% | 297 |
| Noncurrent loans to loans | 12.8197% | 238 |
| Net loans and leases to total assets | 65.8077% | 3,732 |
| Net loans and leases to deposits | 68.9744% | 5,278 |
| Net loans and leases to core deposits | 70.7673% | 5,672 |
| Total domestic deposits to total assets | 95.4088% | 31 |
| Equity capital to assets | 4.2137% | 7,627 |
| Core capital (leverage) ratio | 3.3545% | 7,652 |
| Tier 1 risk-based capital ratio | 5.2344% | 7,629 |
| Total risk-based capital ratio | 6.5217% | 7,632 |
| Memoranda: | ||
| Average total assets | $245,010,000 | 2,634 |
| Average earning assets | $226,217,750 | 2,595 |
| Average equity | $13,945,250 | 4,215 |
| Average total loans | $179,264,500 | 2,399 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5464% | 6,601 |
| Cost of funding earning assets | 1.0246% | 6,033 |
| Net interest margin | 3.5218% | 5,153 |
| Noninterest income to average assets | 0.6554% | 2,980 |
| Noninterest expense to average assets | 3.4140% | 2,227 |
| Loan and lease loss provision to assets | 4.8594% | 114 |
| Net operating income to assets | -3.1448% | 7,526 |
| Return on assets (ROA) | -3.1436% | 7,529 |
| Pretax return on assets | -4.3685% | 7,640 |
| Return on Equity (ROE) | -51.1141% | 7,614 |
| Retained earnings to average equity (ytd only) | -51.1141% | 7,610 |
| Net charge-offs to loans | 2.4824% | 699 |
| Credit loss provision to net charge-offs | 262.4783% | 1,448 |
| Earnings coverage of net charge-offs (x) | 0.2643% | 5,459 |
| Efficiency ratio | 87.4640% | 1,561 |
| Assets per employee ($millions) | 4.1391% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3277% | 142 |
| Loan loss allowance to noncurrent loans | 41.6481% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 11.4963% | 292 |
| Noncurrent loans to loans | 12.7922% | 239 |
| Net loans and leases to total assets | 69.2083% | 3,084 |
| Net loans and leases to deposits | 73.6213% | 4,735 |
| Net loans and leases to core deposits | 75.4086% | 5,261 |
| Total domestic deposits to total assets | 94.0059% | 75 |
| Equity capital to assets | 5.5651% | 7,584 |
| Core capital (leverage) ratio | 4.2424% | 7,667 |
| Tier 1 risk-based capital ratio | 6.2614% | 7,649 |
| Total risk-based capital ratio | 7.5659% | 7,650 |
| Memoranda: | ||
| Average total assets | $249,329,330 | 2,608 |
| Average earning assets | $229,938,000 | 2,583 |
| Average equity | $15,334,330 | 3,929 |
| Average total loans | $185,950,000 | 2,353 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4871% | 6,814 |
| Cost of funding earning assets | 1.1081% | 5,865 |
| Net interest margin | 3.3791% | 5,672 |
| Noninterest income to average assets | 1.0002% | 1,309 |
| Noninterest expense to average assets | 3.2619% | 2,669 |
| Loan and lease loss provision to assets | 6.0324% | 114 |
| Net operating income to assets | -2.7815% | 7,604 |
| Return on assets (ROA) | -2.7815% | 7,608 |
| Pretax return on assets | -5.1866% | 7,775 |
| Return on Equity (ROE) | -43.2803% | 7,669 |
| Retained earnings to average equity (ytd only) | -43.2803% | 7,655 |
| Net charge-offs to loans | 0.1695% | 3,906 |
| Credit loss provision to net charge-offs | 4,728.3951% | 103 |
| Earnings coverage of net charge-offs (x) | 6.6296% | 2,194 |
| Efficiency ratio | 79.4095% | 2,657 |
| Assets per employee ($millions) | 4.4022% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9593% | 182 |
| Loan loss allowance to noncurrent loans | 50.0857% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 9.0962% | 487 |
| Noncurrent loans to loans | 9.9016% | 430 |
| Net loans and leases to total assets | 70.1792% | 2,888 |
| Net loans and leases to deposits | 77.6308% | 4,108 |
| Net loans and leases to core deposits | 79.1072% | 4,879 |
| Total domestic deposits to total assets | 90.4013% | 783 |
| Equity capital to assets | 6.0476% | 7,612 |
| Core capital (leverage) ratio | 6.0337% | 7,573 |
| Tier 1 risk-based capital ratio | 8.6051% | 7,547 |
| Total risk-based capital ratio | 9.9047% | 7,560 |
| Memoranda: | ||
| Average total assets | $253,960,000 | 2,614 |
| Average earning assets | $233,556,000 | 2,607 |
| Average equity | $16,321,500 | 3,776 |
| Average total loans | $191,176,500 | 2,358 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4749% | 4,293 |
| Cost of funding earning assets | 1.4426% | 5,750 |
| Net interest margin | 4.0324% | 2,736 |
| Noninterest income to average assets | 0.3652% | 5,476 |
| Noninterest expense to average assets | 3.4354% | 2,569 |
| Loan and lease loss provision to assets | 4.7029% | 234 |
| Net operating income to assets | -2.5893% | 7,293 |
| Return on assets (ROA) | -2.5878% | 7,291 |
| Pretax return on assets | -4.0048% | 7,525 |
| Return on Equity (ROE) | -30.7772% | 7,417 |
| Retained earnings to average equity (ytd only) | -30.7772% | 7,404 |
| Net charge-offs to loans | 4.2470% | 359 |
| Credit loss provision to net charge-offs | 130.5981% | 3,897 |
| Earnings coverage of net charge-offs (x) | 0.1932% | 5,949 |
| Efficiency ratio | 83.1577% | 2,456 |
| Assets per employee ($millions) | 4.2813% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8893% | 849 |
| Loan loss allowance to noncurrent loans | 51.8471% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 6.7939% | 763 |
| Noncurrent loans to loans | 5.5728% | 1,153 |
| Net loans and leases to total assets | 74.5137% | 2,142 |
| Net loans and leases to deposits | 83.2447% | 3,414 |
| Net loans and leases to core deposits | 94.8794% | 4,576 |
| Total domestic deposits to total assets | 89.5117% | 1,202 |
| Equity capital to assets | 6.8101% | 7,460 |
| Core capital (leverage) ratio | 6.5442% | 7,469 |
| Tier 1 risk-based capital ratio | 9.0828% | 7,434 |
| Total risk-based capital ratio | 10.3543% | 7,444 |
| Memoranda: | ||
| Average total assets | $259,565,000 | 2,519 |
| Average earning assets | $242,413,800 | 2,479 |
| Average equity | $21,824,600 | 2,966 |
| Average total loans | $220,085,000 | 2,104 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5692% | 4,040 |
| Cost of funding earning assets | 1.4847% | 5,885 |
| Net interest margin | 4.0844% | 2,463 |
| Noninterest income to average assets | 0.4684% | 4,761 |
| Noninterest expense to average assets | 3.3906% | 2,608 |
| Loan and lease loss provision to assets | 2.8420% | 544 |
| Net operating income to assets | -1.8045% | 7,236 |
| Return on assets (ROA) | -1.8017% | 7,236 |
| Pretax return on assets | -1.9292% | 7,142 |
| Return on Equity (ROE) | -20.4866% | 7,388 |
| Retained earnings to average equity (ytd only) | -20.4866% | 7,354 |
| Net charge-offs to loans | 1.4995% | 1,366 |
| Credit loss provision to net charge-offs | 218.5171% | 2,010 |
| Earnings coverage of net charge-offs (x) | 0.6995% | 5,337 |
| Efficiency ratio | 78.8443% | 3,022 |
| Assets per employee ($millions) | 4.2292% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6145% | 951 |
| Loan loss allowance to noncurrent loans | 38.1938% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 7.3788% | 622 |
| Noncurrent loans to loans | 6.8454% | 798 |
| Net loans and leases to total assets | 83.1644% | 650 |
| Net loans and leases to deposits | 94.0675% | 1,873 |
| Net loans and leases to core deposits | 107.9692% | 3,479 |
| Total domestic deposits to total assets | 88.4093% | 1,470 |
| Equity capital to assets | 7.9401% | 6,901 |
| Core capital (leverage) ratio | 7.6265% | 6,831 |
| Tier 1 risk-based capital ratio | 9.8379% | 7,102 |
| Total risk-based capital ratio | 11.1069% | 7,056 |
| Memoranda: | ||
| Average total assets | $261,307,500 | 2,518 |
| Average earning assets | $245,153,500 | 2,465 |
| Average equity | $22,980,250 | 2,855 |
| Average total loans | $226,651,750 | 2,078 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6611% | 3,764 |
| Cost of funding earning assets | 1.5325% | 6,008 |
| Net interest margin | 4.1286% | 2,227 |
| Noninterest income to average assets | 0.4649% | 4,746 |
| Noninterest expense to average assets | 3.4121% | 2,586 |
| Loan and lease loss provision to assets | 1.3719% | 1,259 |
| Net operating income to assets | -0.2689% | 6,288 |
| Return on assets (ROA) | -0.2660% | 6,295 |
| Pretax return on assets | -0.4565% | 6,374 |
| Return on Equity (ROE) | -2.9313% | 6,353 |
| Retained earnings to average equity (ytd only) | -2.9313% | 5,961 |
| Net charge-offs to loans | 0.5700% | 2,624 |
| Credit loss provision to net charge-offs | 276.0736% | 1,695 |
| Earnings coverage of net charge-offs (x) | 1.8328% | 4,195 |
| Efficiency ratio | 78.9316% | 3,204 |
| Assets per employee ($millions) | 4.3049% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6983% | 2,362 |
| Loan loss allowance to noncurrent loans | 35.1124% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 5.3563% | 949 |
| Noncurrent loans to loans | 4.8367% | 1,289 |
| Net loans and leases to total assets | 84.3186% | 587 |
| Net loans and leases to deposits | 96.3147% | 1,744 |
| Net loans and leases to core deposits | 112.1684% | 3,116 |
| Total domestic deposits to total assets | 87.5449% | 1,999 |
| Equity capital to assets | 8.8171% | 5,571 |
| Core capital (leverage) ratio | 8.9012% | 4,782 |
| Tier 1 risk-based capital ratio | 10.8439% | 6,040 |
| Total risk-based capital ratio | 12.0789% | 5,985 |
| Memoranda: | ||
| Average total assets | $262,415,670 | 2,512 |
| Average earning assets | $245,219,000 | 2,473 |
| Average equity | $23,812,330 | 2,778 |
| Average total loans | $228,765,670 | 2,094 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6110% | 4,290 |
| Cost of funding earning assets | 1.5690% | 6,163 |
| Net interest margin | 4.0420% | 2,484 |
| Noninterest income to average assets | 0.6304% | 3,351 |
| Noninterest expense to average assets | 3.3286% | 2,573 |
| Loan and lease loss provision to assets | 1.0762% | 1,215 |
| Net operating income to assets | 0.0753% | 6,054 |
| Return on assets (ROA) | 0.0815% | 6,201 |
| Pretax return on assets | 0.0815% | 6,207 |
| Return on Equity (ROE) | 0.8851% | 6,160 |
| Retained earnings to average equity (ytd only) | 0.8851% | 5,302 |
| Net charge-offs to loans | 0.2746% | 3,027 |
| Credit loss provision to net charge-offs | 445.8599% | 1,186 |
| Earnings coverage of net charge-offs (x) | 4.7707% | 2,814 |
| Efficiency ratio | 74.2965% | 3,772 |
| Assets per employee ($millions) | 4.1449% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 3,288 |
| Loan loss allowance to noncurrent loans | 26.3377% | 6,817 |
| Noncurrent assets plus other real estate owned to assets | 5.6030% | 747 |
| Noncurrent loans to loans | 5.4695% | 943 |
| Net loans and leases to total assets | 86.0169% | 446 |
| Net loans and leases to deposits | 98.7575% | 1,563 |
| Net loans and leases to core deposits | 114.4995% | 2,956 |
| Total domestic deposits to total assets | 87.0991% | 2,168 |
| Equity capital to assets | 9.1813% | 5,107 |
| Core capital (leverage) ratio | 9.1010% | 4,554 |
| Tier 1 risk-based capital ratio | 11.0669% | 5,839 |
| Total risk-based capital ratio | 12.3204% | 5,742 |
| Memoranda: | ||
| Average total assets | $260,172,000 | 2,547 |
| Average earning assets | $247,800,000 | 2,466 |
| Average equity | $23,952,000 | 2,773 |
| Average total loans | $228,680,000 | 2,109 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0128% | 5,487 |
| Cost of funding earning assets | 1.9109% | 6,701 |
| Net interest margin | 4.1019% | 2,703 |
| Noninterest income to average assets | 0.6318% | 3,622 |
| Noninterest expense to average assets | 3.2326% | 3,219 |
| Loan and lease loss provision to assets | 0.8549% | 1,742 |
| Net operating income to assets | 0.3613% | 5,308 |
| Return on assets (ROA) | 0.3627% | 5,102 |
| Pretax return on assets | 0.4749% | 5,055 |
| Return on Equity (ROE) | 3.8876% | 4,864 |
| Retained earnings to average equity (ytd only) | 1.8702% | 4,063 |
| Net charge-offs to loans | 0.4298% | 2,671 |
| Credit loss provision to net charge-offs | 232.6574% | 2,049 |
| Earnings coverage of net charge-offs (x) | 3.6137% | 4,291 |
| Efficiency ratio | 70.8831% | 4,161 |
| Assets per employee ($millions) | 4.1145% | 3,284 |
| Cash dividends to net income (ytd only)* | 51.8919% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 4,577 |
| Loan loss allowance to noncurrent loans | 38.8322% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 3.6591% | 1,196 |
| Noncurrent loans to loans | 3.0750% | 1,738 |
| Net loans and leases to total assets | 87.4648% | 418 |
| Net loans and leases to deposits | 100.6566% | 1,763 |
| Net loans and leases to core deposits | 117.9039% | 2,900 |
| Total domestic deposits to total assets | 86.8942% | 1,985 |
| Equity capital to assets | 9.2314% | 5,030 |
| Core capital (leverage) ratio | 9.1125% | 4,577 |
| Tier 1 risk-based capital ratio | 10.9527% | 5,768 |
| Total risk-based capital ratio | 12.2031% | 5,678 |
| Memoranda: | ||
| Average total assets | $254,999,200 | 2,509 |
| Average earning assets | $244,230,400 | 2,413 |
| Average equity | $23,793,800 | 2,754 |
| Average total loans | $217,994,800 | 2,149 |