Home > Enterprise Banking Company > Performance and Condition Ratios
Enterprise Banking Company, 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 | 4.2794% | 6,820 |
| Cost of funding earning assets | 2.3375% | 187 |
| Net interest margin | 1.9419% | 7,475 |
| Noninterest income to average assets | 0.2321% | 6,141 |
| Noninterest expense to average assets | 2.8503% | 4,403 |
| Loan and lease loss provision to assets | 2.9989% | 319 |
| Net operating income to assets | -3.9584% | 7,432 |
| Return on assets (ROA) | -3.9584% | 7,444 |
| Pretax return on assets | -3.9584% | 7,433 |
| Return on Equity (ROE) | -108.3985% | 7,603 |
| Retained earnings to average equity (ytd only) | -108.3985% | 7,603 |
| Net charge-offs to loans | 4.7943% | 202 |
| Credit loss provision to net charge-offs | 86.7659% | 5,250 |
| Earnings coverage of net charge-offs (x) | -0.2776% | 6,344 |
| Efficiency ratio | 150.7447% | 208 |
| Assets per employee ($millions) | 5.5256% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0444% | 2,192 |
| Loan loss allowance to noncurrent loans | 6.9030% | 7,112 |
| Noncurrent assets plus other real estate owned to assets | 27.0800% | 15 |
| Noncurrent loans to loans | 29.6163% | 14 |
| Net loans and leases to total assets | 70.9112% | 2,329 |
| Net loans and leases to deposits | 74.5621% | 4,104 |
| Net loans and leases to core deposits | 80.5438% | 4,127 |
| Total domestic deposits to total assets | 95.1036% | 58 |
| Equity capital to assets | 1.2779% | 7,629 |
| Core capital (leverage) ratio | 1.2144% | 7,628 |
| Tier 1 risk-based capital ratio | 1.5672% | 7,629 |
| Total risk-based capital ratio | 2.8224% | 7,630 |
| Memoranda: | ||
| Average total assets | $102,971,000 | 4,898 |
| Average earning assets | $87,955,400 | 5,080 |
| Average equity | $3,760,200 | 7,069 |
| Average total loans | $74,233,400 | 4,516 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5973% | 6,340 |
| Cost of funding earning assets | 2.4403% | 175 |
| Net interest margin | 2.1570% | 7,529 |
| Noninterest income to average assets | 0.2529% | 6,087 |
| Noninterest expense to average assets | 2.9773% | 3,831 |
| Loan and lease loss provision to assets | 3.9647% | 167 |
| Net operating income to assets | -4.8711% | 7,633 |
| Return on assets (ROA) | -4.8236% | 7,640 |
| Pretax return on assets | -4.8236% | 7,626 |
| Return on Equity (ROE) | -114.3003% | 7,704 |
| Retained earnings to average equity (ytd only) | -114.3003% | 7,704 |
| Net charge-offs to loans | 6.2858% | 85 |
| Credit loss provision to net charge-offs | 87.5780% | 4,870 |
| Earnings coverage of net charge-offs (x) | -0.2002% | 6,175 |
| Efficiency ratio | 143.7694% | 230 |
| Assets per employee ($millions) | 5.6064% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0883% | 2,029 |
| Loan loss allowance to noncurrent loans | 7.3650% | 7,210 |
| Noncurrent assets plus other real estate owned to assets | 25.8482% | 18 |
| Noncurrent loans to loans | 28.3538% | 21 |
| Net loans and leases to total assets | 69.8779% | 2,758 |
| Net loans and leases to deposits | 73.8416% | 4,544 |
| Net loans and leases to core deposits | 82.0950% | 4,234 |
| Total domestic deposits to total assets | 94.6322% | 48 |
| Equity capital to assets | 1.6400% | 7,729 |
| Core capital (leverage) ratio | 1.5000% | 7,727 |
| Tier 1 risk-based capital ratio | 1.9649% | 7,728 |
| Total risk-based capital ratio | 3.2237% | 7,728 |
| Memoranda: | ||
| Average total assets | $103,848,500 | 4,936 |
| Average earning assets | $87,527,500 | 5,157 |
| Average equity | $4,382,500 | 6,950 |
| Average total loans | $74,791,500 | 4,574 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7191% | 6,079 |
| Cost of funding earning assets | 2.5888% | 130 |
| Net interest margin | 2.1303% | 7,607 |
| Noninterest income to average assets | 0.2976% | 5,766 |
| Noninterest expense to average assets | 2.3754% | 6,130 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.3224% | 6,498 |
| Return on assets (ROA) | -0.2518% | 6,455 |
| Pretax return on assets | -0.2518% | 6,375 |
| Return on Equity (ROE) | -4.9890% | 6,697 |
| Retained earnings to average equity (ytd only) | -4.9890% | 6,553 |
| Net charge-offs to loans | 0.1849% | 4,504 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -2.4143% | 6,234 |
| Efficiency ratio | 115.7063% | 469 |
| Assets per employee ($millions) | 5.8300% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4486% | 1,368 |
| Loan loss allowance to noncurrent loans | 11.6317% | 7,225 |
| Noncurrent assets plus other real estate owned to assets | 20.7480% | 48 |
| Noncurrent loans to loans | 21.0511% | 70 |
| Net loans and leases to total assets | 71.0692% | 2,634 |
| Net loans and leases to deposits | 77.6050% | 4,060 |
| Net loans and leases to core deposits | 86.2127% | 3,800 |
| Total domestic deposits to total assets | 91.5780% | 316 |
| Equity capital to assets | 5.0143% | 7,633 |
| Core capital (leverage) ratio | 4.9355% | 7,609 |
| Tier 1 risk-based capital ratio | 6.1725% | 7,651 |
| Total risk-based capital ratio | 7.4345% | 7,654 |
| Memoranda: | ||
| Average total assets | $104,826,000 | 4,944 |
| Average earning assets | $86,372,330 | 5,226 |
| Average equity | $5,291,670 | 6,686 |
| Average total loans | $75,714,670 | 4,576 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9964% | 5,037 |
| Cost of funding earning assets | 2.6370% | 147 |
| Net interest margin | 2.3594% | 7,561 |
| Noninterest income to average assets | 0.0535% | 7,448 |
| Noninterest expense to average assets | 2.2678% | 6,485 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.2023% | 6,545 |
| Return on assets (ROA) | -0.3436% | 6,753 |
| Pretax return on assets | -0.3436% | 6,678 |
| Return on Equity (ROE) | -6.7841% | 6,977 |
| Retained earnings to average equity (ytd only) | -6.7841% | 6,715 |
| Net charge-offs to loans | 0.7114% | 2,077 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.3955% | 5,245 |
| Efficiency ratio | 109.7967% | 604 |
| Assets per employee ($millions) | 5.8159% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3831% | 1,439 |
| Loan loss allowance to noncurrent loans | 14.6077% | 7,217 |
| Noncurrent assets plus other real estate owned to assets | 17.5009% | 93 |
| Noncurrent loans to loans | 16.3139% | 141 |
| Net loans and leases to total assets | 70.7449% | 2,751 |
| Net loans and leases to deposits | 77.3343% | 4,161 |
| Net loans and leases to core deposits | 89.9201% | 3,371 |
| Total domestic deposits to total assets | 91.4793% | 380 |
| Equity capital to assets | 5.0026% | 7,720 |
| Core capital (leverage) ratio | 4.9145% | 7,709 |
| Tier 1 risk-based capital ratio | 6.2344% | 7,739 |
| Total risk-based capital ratio | 7.4954% | 7,741 |
| Memoranda: | ||
| Average total assets | $104,769,000 | 5,017 |
| Average earning assets | $89,344,500 | 5,182 |
| Average equity | $5,306,500 | 6,740 |
| Average total loans | $75,346,000 | 4,664 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1435% | 5,906 |
| Cost of funding earning assets | 2.9402% | 273 |
| Net interest margin | 2.2033% | 7,644 |
| Noninterest income to average assets | -0.3927% | 7,919 |
| Noninterest expense to average assets | 2.2197% | 6,942 |
| Loan and lease loss provision to assets | 5.0485% | 186 |
| Net operating income to assets | -5.6335% | 7,807 |
| Return on assets (ROA) | -5.6706% | 7,807 |
| Pretax return on assets | -5.6706% | 7,776 |
| Return on Equity (ROE) | -73.0188% | 7,826 |
| Retained earnings to average equity (ytd only) | -73.0188% | 7,823 |
| Net charge-offs to loans | 5.1294% | 242 |
| Credit loss provision to net charge-offs | 122.4787% | 4,317 |
| Earnings coverage of net charge-offs (x) | -0.1419% | 6,381 |
| Efficiency ratio | 135.7843% | 418 |
| Assets per employee ($millions) | 6.5533% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5954% | 1,121 |
| Loan loss allowance to noncurrent loans | 17.4342% | 7,165 |
| Noncurrent assets plus other real estate owned to assets | 16.2620% | 111 |
| Noncurrent loans to loans | 14.8869% | 179 |
| Net loans and leases to total assets | 69.5094% | 3,360 |
| Net loans and leases to deposits | 75.9188% | 4,755 |
| Net loans and leases to core deposits | 136.1720% | 945 |
| Total domestic deposits to total assets | 91.5576% | 364 |
| Equity capital to assets | 5.1272% | 7,779 |
| Core capital (leverage) ratio | 5.0595% | 7,766 |
| Tier 1 risk-based capital ratio | 5.9823% | 7,813 |
| Total risk-based capital ratio | 7.1795% | 7,822 |
| Memoranda: | ||
| Average total assets | $99,831,400 | 5,091 |
| Average earning assets | $91,863,000 | 5,062 |
| Average equity | $7,752,800 | 6,012 |
| Average total loans | $80,223,600 | 4,501 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2783% | 5,532 |
| Cost of funding earning assets | 3.0237% | 308 |
| Net interest margin | 2.2546% | 7,682 |
| Noninterest income to average assets | -0.6032% | 8,052 |
| Noninterest expense to average assets | 1.9314% | 7,490 |
| Loan and lease loss provision to assets | 6.8169% | 79 |
| Net operating income to assets | -7.2659% | 7,987 |
| Return on assets (ROA) | -7.3025% | 7,989 |
| Pretax return on assets | -7.3025% | 7,973 |
| Return on Equity (ROE) | -86.2404% | 7,980 |
| Retained earnings to average equity (ytd only) | -86.2404% | 7,979 |
| Net charge-offs to loans | 4.5471% | 275 |
| Credit loss provision to net charge-offs | 181.1646% | 2,526 |
| Earnings coverage of net charge-offs (x) | -0.1193% | 6,205 |
| Efficiency ratio | 130.2920% | 473 |
| Assets per employee ($millions) | 6.4277% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0803% | 280 |
| Loan loss allowance to noncurrent loans | 32.9113% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 13.5974% | 161 |
| Noncurrent loans to loans | 12.3978% | 251 |
| Net loans and leases to total assets | 74.8607% | 2,277 |
| Net loans and leases to deposits | 81.9712% | 4,029 |
| Net loans and leases to core deposits | 145.0543% | 725 |
| Total domestic deposits to total assets | 91.3256% | 295 |
| Equity capital to assets | 5.5230% | 7,917 |
| Core capital (leverage) ratio | 5.4915% | 7,872 |
| Tier 1 risk-based capital ratio | 6.1870% | 7,949 |
| Total risk-based capital ratio | 7.4670% | 7,950 |
| Memoranda: | ||
| Average total assets | $98,576,250 | 5,164 |
| Average earning assets | $91,188,000 | 5,122 |
| Average equity | $8,347,000 | 5,868 |
| Average total loans | $81,573,500 | 4,500 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5205% | 4,509 |
| Cost of funding earning assets | 3.1118% | 340 |
| Net interest margin | 2.4087% | 7,562 |
| Noninterest income to average assets | -0.9861% | 8,155 |
| Noninterest expense to average assets | 1.8692% | 7,661 |
| Loan and lease loss provision to assets | 10.0871% | 32 |
| Net operating income to assets | -10.7067% | 8,136 |
| Return on assets (ROA) | -10.7417% | 8,132 |
| Pretax return on assets | -10.7417% | 8,119 |
| Return on Equity (ROE) | -112.9926% | 8,092 |
| Retained earnings to average equity (ytd only) | -112.9926% | 8,091 |
| Net charge-offs to loans | 6.6602% | 143 |
| Credit loss provision to net charge-offs | 179.4215% | 2,547 |
| Earnings coverage of net charge-offs (x) | -0.1102% | 5,803 |
| Efficiency ratio | 149.5881% | 375 |
| Assets per employee ($millions) | 5.9412% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8332% | 297 |
| Loan loss allowance to noncurrent loans | 47.3614% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 9.3531% | 347 |
| Noncurrent loans to loans | 8.0936% | 545 |
| Net loans and leases to total assets | 84.0836% | 623 |
| Net loans and leases to deposits | 92.8651% | 2,302 |
| Net loans and leases to core deposits | 136.8671% | 1,170 |
| Total domestic deposits to total assets | 90.5438% | 609 |
| Equity capital to assets | 6.0478% | 7,918 |
| Core capital (leverage) ratio | 5.7183% | 7,962 |
| Tier 1 risk-based capital ratio | 6.4409% | 8,036 |
| Total risk-based capital ratio | 7.6988% | 8,042 |
| Memoranda: | ||
| Average total assets | $97,154,000 | 5,243 |
| Average earning assets | $90,173,330 | 5,190 |
| Average equity | $9,236,000 | 5,602 |
| Average total loans | $82,010,000 | 4,526 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5806% | 4,467 |
| Cost of funding earning assets | 3.1106% | 448 |
| Net interest margin | 2.4700% | 7,533 |
| Noninterest income to average assets | 0.2159% | 6,750 |
| Noninterest expense to average assets | 1.8004% | 7,700 |
| Loan and lease loss provision to assets | 0.7739% | 1,664 |
| Net operating income to assets | -0.0652% | 6,353 |
| Return on assets (ROA) | -0.0652% | 6,475 |
| Pretax return on assets | -0.0652% | 6,447 |
| Return on Equity (ROE) | -0.5829% | 6,477 |
| Retained earnings to average equity (ytd only) | -0.5829% | 5,782 |
| Net charge-offs to loans | -0.0393% | 7,637 |
| Credit loss provision to net charge-offs | -2,375.0000% | 6,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7532% | 4,231 |
| Assets per employee ($millions) | 5.9014% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 3,243 |
| Loan loss allowance to noncurrent loans | 15.3370% | 7,388 |
| Noncurrent assets plus other real estate owned to assets | 10.3146% | 211 |
| Noncurrent loans to loans | 9.4435% | 325 |
| Net loans and leases to total assets | 82.4060% | 945 |
| Net loans and leases to deposits | 97.6807% | 1,708 |
| Net loans and leases to core deposits | 139.1895% | 1,142 |
| Total domestic deposits to total assets | 84.3627% | 3,525 |
| Equity capital to assets | 10.9485% | 3,010 |
| Core capital (leverage) ratio | 11.2157% | 2,327 |
| Tier 1 risk-based capital ratio | 12.6686% | 4,419 |
| Total risk-based capital ratio | 13.9202% | 4,335 |
| Memoranda: | ||
| Average total assets | $98,201,500 | 5,229 |
| Average earning assets | $91,173,500 | 5,180 |
| Average equity | $10,979,500 | 5,112 |
| Average total loans | $81,457,500 | 4,570 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5204% | 2,860 |
| Cost of funding earning assets | 3.4949% | 528 |
| Net interest margin | 3.0255% | 6,846 |
| Noninterest income to average assets | 0.2606% | 6,587 |
| Noninterest expense to average assets | 2.3320% | 6,613 |
| Loan and lease loss provision to assets | 1.1784% | 1,228 |
| Net operating income to assets | -0.4792% | 6,908 |
| Return on assets (ROA) | -0.4817% | 6,786 |
| Pretax return on assets | -0.4817% | 6,637 |
| Return on Equity (ROE) | -3.4274% | 6,677 |
| Retained earnings to average equity (ytd only) | -4.6577% | 6,452 |
| Net charge-offs to loans | 0.8310% | 1,507 |
| Credit loss provision to net charge-offs | 169.7509% | 3,023 |
| Earnings coverage of net charge-offs (x) | 1.0071% | 5,622 |
| Efficiency ratio | 76.9356% | 3,089 |
| Assets per employee ($millions) | 5.6517% | 1,353 |
| Cash dividends to net income (ytd only)* | -35.8974% | 8,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 3,879 |
| Loan loss allowance to noncurrent loans | 29.7455% | 6,718 |
| Noncurrent assets plus other real estate owned to assets | 6.0815% | 483 |
| Noncurrent loans to loans | 4.3264% | 1,112 |
| Net loans and leases to total assets | 81.1936% | 1,389 |
| Net loans and leases to deposits | 97.0877% | 2,280 |
| Net loans and leases to core deposits | 135.7569% | 1,502 |
| Total domestic deposits to total assets | 83.6291% | 3,517 |
| Equity capital to assets | 11.4229% | 2,683 |
| Core capital (leverage) ratio | 12.2118% | 1,876 |
| Tier 1 risk-based capital ratio | 13.3265% | 3,913 |
| Total risk-based capital ratio | 14.5633% | 3,829 |
| Memoranda: | ||
| Average total assets | $80,960,600 | 5,665 |
| Average earning assets | $74,136,400 | 5,658 |
| Average equity | $11,379,000 | 5,010 |
| Average total loans | $67,628,600 | 4,961 |