Home > First Private Bank & Trust > Performance and Condition Ratios
First Private Bank & Trust, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9139% | 3,520 |
| Cost of funding earning assets | 0.7229% | 6,014 |
| Net interest margin | 4.1910% | 1,920 |
| Noninterest income to average assets | 0.2770% | 5,689 |
| Noninterest expense to average assets | 5.0326% | 357 |
| Loan and lease loss provision to assets | 0.6885% | 1,227 |
| Net operating income to assets | -0.9809% | 7,040 |
| Return on assets (ROA) | -0.9809% | 7,041 |
| Pretax return on assets | -1.5512% | 7,179 |
| Return on Equity (ROE) | -8.2595% | 6,966 |
| Retained earnings to average equity (ytd only) | -8.2595% | 6,767 |
| Net charge-offs to loans | -1.0556% | 7,492 |
| Credit loss provision to net charge-offs | -78.1969% | 5,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.1049% | 341 |
| Assets per employee ($millions) | 4.6400% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4505% | 635 |
| Loan loss allowance to noncurrent loans | 132.2888% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 2.4757% | 2,754 |
| Noncurrent loans to loans | 2.6083% | 2,891 |
| Net loans and leases to total assets | 82.9833% | 279 |
| Net loans and leases to deposits | 98.2750% | 558 |
| Net loans and leases to core deposits | 114.5336% | 585 |
| Total domestic deposits to total assets | 84.4399% | 4,303 |
| Equity capital to assets | 12.0422% | 1,894 |
| Core capital (leverage) ratio | 10.2136% | 2,914 |
| Tier 1 risk-based capital ratio | 14.2766% | 3,887 |
| Total risk-based capital ratio | 15.5660% | 3,818 |
| Memoranda: | ||
| Average total assets | $493,820,000 | 1,370 |
| Average earning assets | $458,702,500 | 1,348 |
| Average equity | $58,647,500 | 1,131 |
| Average total loans | $411,902,000 | 1,053 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2581% | 3,323 |
| Cost of funding earning assets | 0.9864% | 5,755 |
| Net interest margin | 4.2717% | 1,912 |
| Noninterest income to average assets | 1.4119% | 733 |
| Noninterest expense to average assets | 5.2088% | 364 |
| Loan and lease loss provision to assets | -0.2026% | 7,625 |
| Net operating income to assets | 0.1786% | 5,344 |
| Return on assets (ROA) | 0.1831% | 5,492 |
| Pretax return on assets | 0.3286% | 5,154 |
| Return on Equity (ROE) | 1.5902% | 5,529 |
| Retained earnings to average equity (ytd only) | 1.5902% | 4,727 |
| Net charge-offs to loans | -0.4341% | 7,585 |
| Credit loss provision to net charge-offs | 59.1895% | 6,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3265% | 898 |
| Assets per employee ($millions) | 4.8103% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0251% | 851 |
| Loan loss allowance to noncurrent loans | 116.0461% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 2.3347% | 2,933 |
| Noncurrent loans to loans | 2.6068% | 2,917 |
| Net loans and leases to total assets | 78.5370% | 871 |
| Net loans and leases to deposits | 96.4897% | 824 |
| Net loans and leases to core deposits | 111.9448% | 816 |
| Total domestic deposits to total assets | 81.3942% | 5,390 |
| Equity capital to assets | 11.7178% | 2,112 |
| Core capital (leverage) ratio | 9.3562% | 3,915 |
| Tier 1 risk-based capital ratio | 13.5500% | 4,164 |
| Total risk-based capital ratio | 14.8323% | 4,113 |
| Memoranda: | ||
| Average total assets | $511,805,000 | 1,309 |
| Average earning assets | $469,183,600 | 1,306 |
| Average equity | $58,925,200 | 1,134 |
| Average total loans | $403,591,000 | 1,121 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1371% | 4,136 |
| Cost of funding earning assets | 1.0377% | 5,758 |
| Net interest margin | 4.0994% | 2,622 |
| Noninterest income to average assets | 0.9488% | 1,623 |
| Noninterest expense to average assets | 4.6027% | 535 |
| Loan and lease loss provision to assets | -0.2462% | 7,728 |
| Net operating income to assets | 0.1879% | 5,542 |
| Return on assets (ROA) | 0.1937% | 5,684 |
| Pretax return on assets | 0.3453% | 5,385 |
| Return on Equity (ROE) | 1.6898% | 5,708 |
| Retained earnings to average equity (ytd only) | 1.6898% | 5,115 |
| Net charge-offs to loans | -0.5416% | 7,683 |
| Credit loss provision to net charge-offs | 58.0171% | 5,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5820% | 835 |
| Assets per employee ($millions) | 4.8459% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9890% | 830 |
| Loan loss allowance to noncurrent loans | 98.0931% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 3.2564% | 2,192 |
| Noncurrent loans to loans | 3.0471% | 2,623 |
| Net loans and leases to total assets | 78.0077% | 1,037 |
| Net loans and leases to deposits | 95.9060% | 988 |
| Net loans and leases to core deposits | 109.7021% | 1,053 |
| Total domestic deposits to total assets | 81.3376% | 5,257 |
| Equity capital to assets | 11.4843% | 2,545 |
| Core capital (leverage) ratio | 10.0208% | 3,233 |
| Tier 1 risk-based capital ratio | 13.8938% | 3,918 |
| Total risk-based capital ratio | 15.1732% | 3,858 |
| Memoranda: | ||
| Average total assets | $513,486,750 | 1,313 |
| Average earning assets | $468,970,250 | 1,321 |
| Average equity | $58,860,500 | 1,137 |
| Average total loans | $402,227,000 | 1,134 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0415% | 4,739 |
| Cost of funding earning assets | 1.1092% | 5,623 |
| Net interest margin | 3.9323% | 3,313 |
| Noninterest income to average assets | 1.2835% | 777 |
| Noninterest expense to average assets | 4.5432% | 547 |
| Loan and lease loss provision to assets | 0.2929% | 4,039 |
| Net operating income to assets | 0.0121% | 6,066 |
| Return on assets (ROA) | 0.0210% | 6,151 |
| Pretax return on assets | 0.0491% | 6,074 |
| Return on Equity (ROE) | 0.1836% | 6,152 |
| Retained earnings to average equity (ytd only) | 0.1836% | 5,674 |
| Net charge-offs to loans | -0.2057% | 7,648 |
| Credit loss provision to net charge-offs | -183.4146% | 6,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7869% | 1,140 |
| Assets per employee ($millions) | 4.8750% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1361% | 744 |
| Loan loss allowance to noncurrent loans | 72.3288% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 4.3976% | 1,516 |
| Noncurrent loans to loans | 4.3359% | 1,711 |
| Net loans and leases to total assets | 79.6384% | 855 |
| Net loans and leases to deposits | 97.0533% | 951 |
| Net loans and leases to core deposits | 110.6841% | 1,125 |
| Total domestic deposits to total assets | 82.0563% | 4,961 |
| Equity capital to assets | 11.7121% | 2,271 |
| Core capital (leverage) ratio | 9.8352% | 3,359 |
| Tier 1 risk-based capital ratio | 14.1976% | 3,606 |
| Total risk-based capital ratio | 15.4800% | 3,556 |
| Memoranda: | ||
| Average total assets | $513,427,330 | 1,317 |
| Average earning assets | $468,429,670 | 1,327 |
| Average equity | $58,817,000 | 1,129 |
| Average total loans | $398,621,330 | 1,154 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9573% | 5,203 |
| Cost of funding earning assets | 1.1645% | 5,577 |
| Net interest margin | 3.7928% | 3,825 |
| Noninterest income to average assets | 2.1506% | 308 |
| Noninterest expense to average assets | 4.3534% | 677 |
| Loan and lease loss provision to assets | -0.0077% | 7,834 |
| Net operating income to assets | 0.7302% | 3,302 |
| Return on assets (ROA) | 0.7302% | 3,411 |
| Pretax return on assets | 1.2648% | 2,154 |
| Return on Equity (ROE) | 6.4426% | 3,641 |
| Retained earnings to average equity (ytd only) | 6.4426% | 2,379 |
| Net charge-offs to loans | -0.8701% | 7,845 |
| Credit loss provision to net charge-offs | 1.1682% | 5,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1839% | 3,034 |
| Assets per employee ($millions) | 5.1963% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1358% | 734 |
| Loan loss allowance to noncurrent loans | 64.6053% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 4.3897% | 1,548 |
| Noncurrent loans to loans | 4.8537% | 1,509 |
| Net loans and leases to total assets | 74.3383% | 1,904 |
| Net loans and leases to deposits | 91.1432% | 1,737 |
| Net loans and leases to core deposits | 105.0633% | 1,652 |
| Total domestic deposits to total assets | 81.5622% | 5,247 |
| Equity capital to assets | 11.4698% | 2,385 |
| Core capital (leverage) ratio | 11.2346% | 2,066 |
| Tier 1 risk-based capital ratio | 16.1474% | 2,584 |
| Total risk-based capital ratio | 17.4278% | 2,533 |
| Memoranda: | ||
| Average total assets | $521,518,500 | 1,337 |
| Average earning assets | $475,743,500 | 1,340 |
| Average equity | $59,106,500 | 1,124 |
| Average total loans | $393,522,500 | 1,196 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7581% | 7,031 |
| Cost of funding earning assets | 1.4596% | 5,683 |
| Net interest margin | 3.2985% | 5,753 |
| Noninterest income to average assets | 1.3158% | 867 |
| Noninterest expense to average assets | 5.1529% | 470 |
| Loan and lease loss provision to assets | 2.7630% | 668 |
| Net operating income to assets | -2.3107% | 7,202 |
| Return on assets (ROA) | -2.3107% | 7,207 |
| Pretax return on assets | -3.6399% | 7,453 |
| Return on Equity (ROE) | -19.4234% | 7,126 |
| Retained earnings to average equity (ytd only) | -19.4234% | 7,086 |
| Net charge-offs to loans | 3.6504% | 514 |
| Credit loss provision to net charge-offs | 109.2494% | 5,054 |
| Earnings coverage of net charge-offs (x) | -0.3467% | 6,580 |
| Efficiency ratio | 118.0207% | 643 |
| Assets per employee ($millions) | 4.8464% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0029% | 775 |
| Loan loss allowance to noncurrent loans | 53.1089% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 5.0314% | 1,217 |
| Noncurrent loans to loans | 5.6542% | 1,131 |
| Net loans and leases to total assets | 71.9511% | 2,761 |
| Net loans and leases to deposits | 91.1224% | 2,026 |
| Net loans and leases to core deposits | 130.0308% | 1,284 |
| Total domestic deposits to total assets | 78.9609% | 5,989 |
| Equity capital to assets | 11.1983% | 2,535 |
| Core capital (leverage) ratio | 10.5881% | 2,515 |
| Tier 1 risk-based capital ratio | 15.5188% | 2,708 |
| Total risk-based capital ratio | 16.7951% | 2,647 |
| Memoranda: | ||
| Average total assets | $514,685,800 | 1,339 |
| Average earning assets | $461,907,400 | 1,362 |
| Average equity | $61,230,400 | 1,081 |
| Average total loans | $356,594,400 | 1,355 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6879% | 7,300 |
| Cost of funding earning assets | 1.5091% | 5,782 |
| Net interest margin | 3.1788% | 6,092 |
| Noninterest income to average assets | 1.8154% | 449 |
| Noninterest expense to average assets | 4.9643% | 501 |
| Loan and lease loss provision to assets | 2.3921% | 705 |
| Net operating income to assets | -1.7110% | 7,197 |
| Return on assets (ROA) | -1.7110% | 7,194 |
| Pretax return on assets | -2.6965% | 7,416 |
| Return on Equity (ROE) | -14.1701% | 7,144 |
| Retained earnings to average equity (ytd only) | -14.1701% | 7,085 |
| Net charge-offs to loans | 3.0407% | 540 |
| Credit loss provision to net charge-offs | 115.6313% | 4,391 |
| Earnings coverage of net charge-offs (x) | -0.1471% | 6,233 |
| Efficiency ratio | 104.7622% | 888 |
| Assets per employee ($millions) | 4.7732% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9478% | 691 |
| Loan loss allowance to noncurrent loans | 42.7002% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 6.5037% | 772 |
| Noncurrent loans to loans | 6.9035% | 786 |
| Net loans and leases to total assets | 74.0324% | 2,508 |
| Net loans and leases to deposits | 94.3557% | 1,821 |
| Net loans and leases to core deposits | 130.1410% | 1,429 |
| Total domestic deposits to total assets | 78.4610% | 5,962 |
| Equity capital to assets | 11.7069% | 2,430 |
| Core capital (leverage) ratio | 10.8564% | 2,521 |
| Tier 1 risk-based capital ratio | 14.2800% | 3,396 |
| Total risk-based capital ratio | 15.5563% | 3,327 |
| Memoranda: | ||
| Average total assets | $512,504,750 | 1,359 |
| Average earning assets | $458,617,000 | 1,391 |
| Average equity | $61,884,750 | 1,087 |
| Average total loans | $348,678,500 | 1,404 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5558% | 7,578 |
| Cost of funding earning assets | 1.6613% | 5,467 |
| Net interest margin | 2.8944% | 6,814 |
| Noninterest income to average assets | 2.5283% | 261 |
| Noninterest expense to average assets | 4.9608% | 524 |
| Loan and lease loss provision to assets | 2.8954% | 525 |
| Net operating income to assets | -1.7442% | 7,340 |
| Return on assets (ROA) | -1.7442% | 7,333 |
| Pretax return on assets | -2.7565% | 7,491 |
| Return on Equity (ROE) | -14.2967% | 7,301 |
| Retained earnings to average equity (ytd only) | -14.2967% | 7,203 |
| Net charge-offs to loans | 3.3324% | 478 |
| Credit loss provision to net charge-offs | 133.2010% | 3,504 |
| Earnings coverage of net charge-offs (x) | 0.0639% | 5,613 |
| Efficiency ratio | 96.6774% | 1,335 |
| Assets per employee ($millions) | 4.0920% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5267% | 372 |
| Loan loss allowance to noncurrent loans | 30.0876% | 6,468 |
| Noncurrent assets plus other real estate owned to assets | 8.8207% | 390 |
| Noncurrent loans to loans | 11.7214% | 242 |
| Net loans and leases to total assets | 70.8551% | 3,502 |
| Net loans and leases to deposits | 93.3960% | 2,191 |
| Net loans and leases to core deposits | 132.8786% | 1,377 |
| Total domestic deposits to total assets | 75.8653% | 6,580 |
| Equity capital to assets | 13.3128% | 1,554 |
| Core capital (leverage) ratio | 11.2998% | 2,195 |
| Tier 1 risk-based capital ratio | 16.4109% | 2,477 |
| Total risk-based capital ratio | 17.6937% | 2,412 |
| Memoranda: | ||
| Average total assets | $509,914,330 | 1,385 |
| Average earning assets | $453,006,330 | 1,424 |
| Average equity | $62,210,330 | 1,095 |
| Average total loans | $332,614,000 | 1,500 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 7,546 |
| Cost of funding earning assets | 1.8359% | 4,937 |
| Net interest margin | 2.8350% | 6,914 |
| Noninterest income to average assets | 3.3742% | 192 |
| Noninterest expense to average assets | 4.5396% | 682 |
| Loan and lease loss provision to assets | 3.3272% | 317 |
| Net operating income to assets | -1.2792% | 7,404 |
| Return on assets (ROA) | -1.2792% | 7,420 |
| Pretax return on assets | -2.0162% | 7,539 |
| Return on Equity (ROE) | -10.9334% | 7,420 |
| Retained earnings to average equity (ytd only) | -10.9334% | 7,196 |
| Net charge-offs to loans | 4.6604% | 238 |
| Credit loss provision to net charge-offs | 116.0233% | 3,362 |
| Earnings coverage of net charge-offs (x) | 0.4572% | 4,623 |
| Efficiency ratio | 77.0866% | 3,320 |
| Assets per employee ($millions) | 4.5442% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3263% | 370 |
| Loan loss allowance to noncurrent loans | 28.1450% | 6,676 |
| Noncurrent assets plus other real estate owned to assets | 7.8622% | 386 |
| Noncurrent loans to loans | 11.8184% | 183 |
| Net loans and leases to total assets | 64.3123% | 4,928 |
| Net loans and leases to deposits | 84.0763% | 3,973 |
| Net loans and leases to core deposits | 119.8125% | 2,431 |
| Total domestic deposits to total assets | 76.4927% | 6,406 |
| Equity capital to assets | 13.1847% | 1,668 |
| Core capital (leverage) ratio | 11.0096% | 2,491 |
| Tier 1 risk-based capital ratio | 16.8694% | 2,376 |
| Total risk-based capital ratio | 18.1474% | 2,303 |
| Memoranda: | ||
| Average total assets | $527,533,000 | 1,340 |
| Average earning assets | $460,808,000 | 1,412 |
| Average equity | $61,719,000 | 1,107 |
| Average total loans | $324,607,000 | 1,547 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0956% | 5,067 |
| Cost of funding earning assets | 2.7697% | 2,834 |
| Net interest margin | 3.3259% | 5,946 |
| Noninterest income to average assets | -0.0515% | 8,181 |
| Noninterest expense to average assets | 10.0057% | 140 |
| Loan and lease loss provision to assets | 28.2203% | 1 |
| Net operating income to assets | -24.4524% | 8,303 |
| Return on assets (ROA) | -24.4524% | 8,303 |
| Pretax return on assets | -35.3613% | 8,304 |
| Return on Equity (ROE) | -220.7924% | 8,302 |
| Retained earnings to average equity (ytd only) | -220.7924% | 8,302 |
| Net charge-offs to loans | 39.6376% | 1 |
| Credit loss provision to net charge-offs | 92.9238% | 5,602 |
| Earnings coverage of net charge-offs (x) | -0.2351% | 6,387 |
| Efficiency ratio | 130.1038% | 463 |
| Assets per employee ($millions) | 5.0937% | 1,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3014% | 339 |
| Loan loss allowance to noncurrent loans | 27.5959% | 6,854 |
| Noncurrent assets plus other real estate owned to assets | 8.1054% | 280 |
| Noncurrent loans to loans | 11.9634% | 131 |
| Net loans and leases to total assets | 55.1555% | 6,535 |
| Net loans and leases to deposits | 75.7106% | 5,624 |
| Net loans and leases to core deposits | 111.7682% | 3,588 |
| Total domestic deposits to total assets | 72.8505% | 6,854 |
| Equity capital to assets | 10.3624% | 3,655 |
| Core capital (leverage) ratio | 8.4318% | 5,694 |
| Tier 1 risk-based capital ratio | 12.4802% | 4,453 |
| Total risk-based capital ratio | 13.7364% | 4,351 |
| Memoranda: | ||
| Average total assets | $612,144,000 | 1,106 |
| Average earning assets | $536,734,600 | 1,148 |
| Average equity | $67,794,000 | 986 |
| Average total loans | $469,009,200 | 1,033 |