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First Dupage Bank, 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 | 4.0617% | 7,784 |
| Cost of funding earning assets | 3.3160% | 130 |
| Net interest margin | 0.7457% | 8,038 |
| Noninterest income to average assets | -0.2494% | 7,996 |
| Noninterest expense to average assets | 2.6198% | 5,645 |
| Loan and lease loss provision to assets | 10.3537% | 22 |
| Net operating income to assets | -12.5639% | 8,061 |
| Return on assets (ROA) | -12.2663% | 8,059 |
| Pretax return on assets | -12.2185% | 8,059 |
| Return on Equity (ROE) | -508.0270% | 8,094 |
| Retained earnings to average equity (ytd only) | -508.0270% | 8,094 |
| Net charge-offs to loans | 13.9622% | 21 |
| Credit loss provision to net charge-offs | 89.3918% | 5,497 |
| Earnings coverage of net charge-offs (x) | -0.1867% | 6,277 |
| Efficiency ratio | 572.8358% | 26 |
| Assets per employee ($millions) | 10.0805% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6868% | 360 |
| Loan loss allowance to noncurrent loans | 12.3707% | 7,400 |
| Noncurrent assets plus other real estate owned to assets | 26.7855% | 15 |
| Noncurrent loans to loans | 29.8022% | 18 |
| Net loans and leases to total assets | 77.7464% | 1,623 |
| Net loans and leases to deposits | 80.2261% | 4,346 |
| Net loans and leases to core deposits | 99.8638% | 4,388 |
| Total domestic deposits to total assets | 96.9091% | 18 |
| Equity capital to assets | -3.1893% | 8,094 |
| Core capital (leverage) ratio | -2.6826% | 8,095 |
| Tier 1 risk-based capital ratio | -3.3933% | 8,094 |
| Total risk-based capital ratio | -3.3933% | 8,094 |
| Memoranda: | ||
| Average total assets | $292,990,250 | 2,281 |
| Average earning assets | $277,676,250 | 2,213 |
| Average equity | $7,074,250 | 6,297 |
| Average total loans | $243,050,500 | 1,949 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1701% | 7,841 |
| Cost of funding earning assets | 3.4088% | 148 |
| Net interest margin | 0.7613% | 8,121 |
| Noninterest income to average assets | -0.3983% | 8,110 |
| Noninterest expense to average assets | 2.4063% | 6,441 |
| Loan and lease loss provision to assets | 8.8971% | 52 |
| Net operating income to assets | -11.0475% | 8,142 |
| Return on assets (ROA) | -10.6156% | 8,128 |
| Pretax return on assets | -10.5464% | 8,113 |
| Return on Equity (ROE) | -263.4984% | 8,162 |
| Retained earnings to average equity (ytd only) | -263.4984% | 8,162 |
| Net charge-offs to loans | 3.1490% | 518 |
| Credit loss provision to net charge-offs | 337.9760% | 1,375 |
| Earnings coverage of net charge-offs (x) | -0.7906% | 6,173 |
| Efficiency ratio | 740.1623% | 28 |
| Assets per employee ($millions) | 11.9626% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2026% | 31 |
| Loan loss allowance to noncurrent loans | 40.7282% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 18.4066% | 58 |
| Noncurrent loans to loans | 20.1399% | 52 |
| Net loans and leases to total assets | 77.9598% | 1,750 |
| Net loans and leases to deposits | 83.3749% | 3,985 |
| Net loans and leases to core deposits | 100.2957% | 4,477 |
| Total domestic deposits to total assets | 93.5051% | 76 |
| Equity capital to assets | 0.6287% | 8,166 |
| Core capital (leverage) ratio | 1.0728% | 8,160 |
| Tier 1 risk-based capital ratio | 1.4144% | 8,161 |
| Total risk-based capital ratio | 2.7526% | 8,160 |
| Memoranda: | ||
| Average total assets | $303,289,330 | 2,236 |
| Average earning assets | $288,197,000 | 2,180 |
| Average equity | $12,218,670 | 4,755 |
| Average total loans | $253,544,670 | 1,928 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8115% | 7,355 |
| Cost of funding earning assets | 3.4283% | 181 |
| Net interest margin | 1.3832% | 8,087 |
| Noninterest income to average assets | -0.1387% | 8,147 |
| Noninterest expense to average assets | 2.0014% | 7,347 |
| Loan and lease loss provision to assets | 1.5659% | 803 |
| Net operating income to assets | -2.5306% | 7,770 |
| Return on assets (ROA) | -1.7047% | 7,573 |
| Pretax return on assets | -1.5698% | 7,395 |
| Return on Equity (ROE) | -30.4611% | 7,909 |
| Retained earnings to average equity (ytd only) | -30.4611% | 7,862 |
| Net charge-offs to loans | -0.2028% | 8,011 |
| Credit loss provision to net charge-offs | -930.5344% | 6,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 170.8333% | 272 |
| Assets per employee ($millions) | 11.9425% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6171% | 138 |
| Loan loss allowance to noncurrent loans | 27.8778% | 6,701 |
| Noncurrent assets plus other real estate owned to assets | 14.6027% | 84 |
| Noncurrent loans to loans | 16.5618% | 73 |
| Net loans and leases to total assets | 78.8416% | 1,614 |
| Net loans and leases to deposits | 88.1422% | 3,269 |
| Net loans and leases to core deposits | 102.7724% | 4,260 |
| Total domestic deposits to total assets | 89.4482% | 1,033 |
| Equity capital to assets | 5.2170% | 8,101 |
| Core capital (leverage) ratio | 5.7379% | 8,046 |
| Tier 1 risk-based capital ratio | 6.9314% | 8,102 |
| Total risk-based capital ratio | 8.1766% | 8,111 |
| Memoranda: | ||
| Average total assets | $311,382,500 | 2,206 |
| Average earning assets | $294,958,000 | 2,153 |
| Average equity | $17,425,500 | 3,650 |
| Average total loans | $258,404,500 | 1,913 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0292% | 5,415 |
| Cost of funding earning assets | 3.6282% | 343 |
| Net interest margin | 2.4010% | 7,849 |
| Noninterest income to average assets | 0.1106% | 7,577 |
| Noninterest expense to average assets | 2.2679% | 6,789 |
| Loan and lease loss provision to assets | 3.6305% | 209 |
| Net operating income to assets | -3.4851% | 7,910 |
| Return on assets (ROA) | -3.3487% | 7,870 |
| Pretax return on assets | -3.3782% | 7,788 |
| Return on Equity (ROE) | -40.0047% | 8,077 |
| Retained earnings to average equity (ytd only) | -41.5368% | 8,066 |
| Net charge-offs to loans | 2.0978% | 505 |
| Credit loss provision to net charge-offs | 204.9964% | 2,371 |
| Earnings coverage of net charge-offs (x) | 0.0646% | 6,210 |
| Efficiency ratio | 95.1958% | 1,211 |
| Assets per employee ($millions) | 12.0100% | 165 |
| Cash dividends to net income (ytd only)* | -3.8296% | 7,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0361% | 182 |
| Loan loss allowance to noncurrent loans | 36.7441% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 10.1678% | 150 |
| Noncurrent loans to loans | 10.9843% | 171 |
| Net loans and leases to total assets | 79.9500% | 1,674 |
| Net loans and leases to deposits | 90.1287% | 3,431 |
| Net loans and leases to core deposits | 104.9761% | 4,296 |
| Total domestic deposits to total assets | 88.7065% | 1,153 |
| Equity capital to assets | 5.9732% | 8,066 |
| Core capital (leverage) ratio | 6.2895% | 7,994 |
| Tier 1 risk-based capital ratio | 7.0773% | 8,164 |
| Total risk-based capital ratio | 8.3311% | 8,177 |
| Memoranda: | ||
| Average total assets | $311,915,000 | 2,142 |
| Average earning assets | $295,132,400 | 2,075 |
| Average equity | $26,109,400 | 2,549 |
| Average total loans | $263,319,800 | 1,814 |