Home > First Suburban National Bank > Performance and Condition Ratios
First Suburban National Bank, Performance and Condition Ratios
| 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 | 4.5568% | 6,455 |
| Cost of funding earning assets | 1.8721% | 1,129 |
| Net interest margin | 2.6847% | 7,251 |
| Noninterest income to average assets | 0.6507% | 3,119 |
| Noninterest expense to average assets | 4.3653% | 693 |
| Loan and lease loss provision to assets | 0.5863% | 2,591 |
| Net operating income to assets | -1.8289% | 7,192 |
| Return on assets (ROA) | -1.6421% | 7,155 |
| Pretax return on assets | -1.6777% | 7,097 |
| Return on Equity (ROE) | -55.8841% | 7,587 |
| Retained earnings to average equity (ytd only) | -55.8841% | 7,585 |
| Net charge-offs to loans | 0.5184% | 3,221 |
| Credit loss provision to net charge-offs | 153.4368% | 2,511 |
| Earnings coverage of net charge-offs (x) | -3.3548% | 6,567 |
| Efficiency ratio | 141.5774% | 240 |
| Assets per employee ($millions) | 3.4988% | 4,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1494% | 1,891 |
| Loan loss allowance to noncurrent loans | 11.4774% | 7,157 |
| Noncurrent assets plus other real estate owned to assets | 18.9319% | 74 |
| Noncurrent loans to loans | 18.7275% | 95 |
| Net loans and leases to total assets | 76.4491% | 1,324 |
| Net loans and leases to deposits | 80.9500% | 3,278 |
| Net loans and leases to core deposits | 94.6286% | 2,434 |
| Total domestic deposits to total assets | 94.4399% | 56 |
| Equity capital to assets | 2.6093% | 7,706 |
| Core capital (leverage) ratio | 2.5195% | 7,698 |
| Tier 1 risk-based capital ratio | 3.1234% | 7,705 |
| Total risk-based capital ratio | 4.3837% | 7,705 |
| Memoranda: | ||
| Average total assets | $157,358,250 | 3,807 |
| Average earning assets | $142,581,000 | 3,824 |
| Average equity | $4,623,750 | 6,866 |
| Average total loans | $115,994,250 | 3,448 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 6,674 |
| Cost of funding earning assets | 1.9695% | 987 |
| Net interest margin | 2.5452% | 7,388 |
| Noninterest income to average assets | 0.7000% | 2,704 |
| Noninterest expense to average assets | 4.0940% | 930 |
| Loan and lease loss provision to assets | 0.8544% | 1,705 |
| Net operating income to assets | -1.9396% | 7,287 |
| Return on assets (ROA) | -1.6618% | 7,215 |
| Pretax return on assets | -1.6618% | 7,130 |
| Return on Equity (ROE) | -54.7452% | 7,633 |
| Retained earnings to average equity (ytd only) | -54.7452% | 7,629 |
| Net charge-offs to loans | 0.4126% | 3,336 |
| Credit loss provision to net charge-offs | 285.9504% | 1,300 |
| Earnings coverage of net charge-offs (x) | -3.6322% | 6,275 |
| Efficiency ratio | 136.0689% | 273 |
| Assets per employee ($millions) | 3.6274% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3319% | 1,535 |
| Loan loss allowance to noncurrent loans | 13.3503% | 7,183 |
| Noncurrent assets plus other real estate owned to assets | 17.4507% | 86 |
| Noncurrent loans to loans | 17.4668% | 122 |
| Net loans and leases to total assets | 73.7295% | 1,974 |
| Net loans and leases to deposits | 78.3374% | 3,908 |
| Net loans and leases to core deposits | 114.5789% | 894 |
| Total domestic deposits to total assets | 94.1179% | 70 |
| Equity capital to assets | 2.8631% | 7,761 |
| Core capital (leverage) ratio | 2.7568% | 7,751 |
| Tier 1 risk-based capital ratio | 3.8017% | 7,752 |
| Total risk-based capital ratio | 5.0651% | 7,754 |
| Memoranda: | ||
| Average total assets | $161,994,000 | 3,743 |
| Average earning assets | $146,941,330 | 3,767 |
| Average equity | $4,917,330 | 6,806 |
| Average total loans | $117,300,330 | 3,452 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4303% | 6,937 |
| Cost of funding earning assets | 2.0463% | 953 |
| Net interest margin | 2.3839% | 7,543 |
| Noninterest income to average assets | 0.6760% | 2,770 |
| Noninterest expense to average assets | 3.9115% | 1,155 |
| Loan and lease loss provision to assets | 1.0176% | 1,223 |
| Net operating income to assets | -2.0756% | 7,478 |
| Return on assets (ROA) | -1.9783% | 7,459 |
| Pretax return on assets | -1.9783% | 7,410 |
| Return on Equity (ROE) | -63.5792% | 7,751 |
| Retained earnings to average equity (ytd only) | -63.5792% | 7,743 |
| Net charge-offs to loans | 0.3672% | 2,943 |
| Credit loss provision to net charge-offs | 390.0000% | 1,047 |
| Earnings coverage of net charge-offs (x) | -4.0545% | 5,520 |
| Efficiency ratio | 137.0740% | 277 |
| Assets per employee ($millions) | 4.4860% | 2,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1597% | 1,832 |
| Loan loss allowance to noncurrent loans | 12.8236% | 7,268 |
| Noncurrent assets plus other real estate owned to assets | 15.4227% | 126 |
| Noncurrent loans to loans | 16.8415% | 138 |
| Net loans and leases to total assets | 67.8798% | 3,415 |
| Net loans and leases to deposits | 71.9479% | 5,059 |
| Net loans and leases to core deposits | 135.3837% | 391 |
| Total domestic deposits to total assets | 94.3458% | 62 |
| Equity capital to assets | 2.9437% | 7,852 |
| Core capital (leverage) ratio | 2.8337% | 7,850 |
| Tier 1 risk-based capital ratio | 3.9434% | 7,845 |
| Total risk-based capital ratio | 5.2034% | 7,846 |
| Memoranda: | ||
| Average total assets | $168,630,000 | 3,683 |
| Average earning assets | $154,031,500 | 3,691 |
| Average equity | $5,247,000 | 6,758 |
| Average total loans | $119,815,500 | 3,463 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9469% | 6,592 |
| Cost of funding earning assets | 2.4765% | 1,081 |
| Net interest margin | 2.4704% | 7,453 |
| Noninterest income to average assets | 0.5450% | 4,064 |
| Noninterest expense to average assets | 4.3046% | 983 |
| Loan and lease loss provision to assets | 0.9184% | 2,444 |
| Net operating income to assets | -2.4112% | 7,239 |
| Return on assets (ROA) | -2.0323% | 7,103 |
| Pretax return on assets | -2.0323% | 6,954 |
| Return on Equity (ROE) | -44.6817% | 7,623 |
| Retained earnings to average equity (ytd only) | -44.6817% | 7,612 |
| Net charge-offs to loans | 0.9158% | 2,557 |
| Credit loss provision to net charge-offs | 135.8258% | 3,641 |
| Earnings coverage of net charge-offs (x) | -2.2079% | 7,013 |
| Efficiency ratio | 153.0923% | 295 |
| Assets per employee ($millions) | 3.4954% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7417% | 2,741 |
| Loan loss allowance to noncurrent loans | 10.6924% | 7,359 |
| Noncurrent assets plus other real estate owned to assets | 15.0972% | 136 |
| Noncurrent loans to loans | 16.2892% | 134 |
| Net loans and leases to total assets | 71.4089% | 2,908 |
| Net loans and leases to deposits | 75.8686% | 4,763 |
| Net loans and leases to core deposits | 120.8412% | 1,893 |
| Total domestic deposits to total assets | 94.1218% | 68 |
| Equity capital to assets | 3.2742% | 7,903 |
| Core capital (leverage) ratio | 3.1571% | 7,899 |
| Tier 1 risk-based capital ratio | 4.5658% | 7,890 |
| Total risk-based capital ratio | 5.8222% | 7,895 |
| Memoranda: | ||
| Average total assets | $179,991,600 | 3,437 |
| Average earning assets | $165,153,600 | 3,418 |
| Average equity | $8,186,800 | 5,867 |
| Average total loans | $132,890,000 | 3,215 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9991% | 6,606 |
| Cost of funding earning assets | 2.5179% | 1,240 |
| Net interest margin | 2.4812% | 7,484 |
| Noninterest income to average assets | 0.5160% | 4,356 |
| Noninterest expense to average assets | 4.0935% | 1,157 |
| Loan and lease loss provision to assets | 0.4025% | 3,903 |
| Net operating income to assets | -1.7039% | 7,194 |
| Return on assets (ROA) | -1.2047% | 6,969 |
| Pretax return on assets | -1.2047% | 6,818 |
| Return on Equity (ROE) | -24.8498% | 7,501 |
| Retained earnings to average equity (ytd only) | -24.8498% | 7,478 |
| Net charge-offs to loans | 0.5472% | 3,042 |
| Credit loss provision to net charge-offs | 99.2780% | 5,147 |
| Earnings coverage of net charge-offs (x) | -3.2094% | 6,811 |
| Efficiency ratio | 146.6055% | 334 |
| Assets per employee ($millions) | 3.6347% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 4,151 |
| Loan loss allowance to noncurrent loans | 9.5133% | 7,461 |
| Noncurrent assets plus other real estate owned to assets | 13.3805% | 170 |
| Noncurrent loans to loans | 14.3083% | 168 |
| Net loans and leases to total assets | 70.3075% | 3,436 |
| Net loans and leases to deposits | 75.5857% | 5,113 |
| Net loans and leases to core deposits | 122.8480% | 2,004 |
| Total domestic deposits to total assets | 93.0169% | 85 |
| Equity capital to assets | 4.3076% | 7,987 |
| Core capital (leverage) ratio | 4.2116% | 7,969 |
| Tier 1 risk-based capital ratio | 6.3157% | 7,938 |
| Total risk-based capital ratio | 7.5668% | 7,942 |
| Memoranda: | ||
| Average total assets | $182,170,250 | 3,431 |
| Average earning assets | $167,120,750 | 3,423 |
| Average equity | $8,831,500 | 5,707 |
| Average total loans | $134,993,750 | 3,207 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0650% | 6,563 |
| Cost of funding earning assets | 2.5592% | 1,407 |
| Net interest margin | 2.5058% | 7,472 |
| Noninterest income to average assets | 0.5155% | 4,307 |
| Noninterest expense to average assets | 3.9504% | 1,400 |
| Loan and lease loss provision to assets | 0.4359% | 3,371 |
| Net operating income to assets | -1.5714% | 7,280 |
| Return on assets (ROA) | -1.2249% | 7,133 |
| Pretax return on assets | -1.2249% | 6,956 |
| Return on Equity (ROE) | -24.3871% | 7,617 |
| Retained earnings to average equity (ytd only) | -24.3871% | 7,582 |
| Net charge-offs to loans | 0.7888% | 2,103 |
| Credit loss provision to net charge-offs | 73.6648% | 5,349 |
| Earnings coverage of net charge-offs (x) | -1.9190% | 6,345 |
| Efficiency ratio | 140.3407% | 427 |
| Assets per employee ($millions) | 3.6285% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 5,094 |
| Loan loss allowance to noncurrent loans | 8.6312% | 7,518 |
| Noncurrent assets plus other real estate owned to assets | 12.2961% | 171 |
| Noncurrent loans to loans | 13.6428% | 164 |
| Net loans and leases to total assets | 73.5045% | 2,839 |
| Net loans and leases to deposits | 79.6395% | 4,590 |
| Net loans and leases to core deposits | 94.2984% | 5,083 |
| Total domestic deposits to total assets | 92.2965% | 171 |
| Equity capital to assets | 4.6642% | 8,060 |
| Core capital (leverage) ratio | 4.4512% | 8,059 |
| Tier 1 risk-based capital ratio | 6.2662% | 8,044 |
| Total risk-based capital ratio | 7.4855% | 8,056 |
| Memoranda: | ||
| Average total assets | $183,526,330 | 3,433 |
| Average earning assets | $168,411,330 | 3,423 |
| Average equity | $9,218,000 | 5,608 |
| Average total loans | $137,676,000 | 3,189 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1669% | 6,422 |
| Cost of funding earning assets | 2.6403% | 1,446 |
| Net interest margin | 2.5266% | 7,466 |
| Noninterest income to average assets | 0.4226% | 5,021 |
| Noninterest expense to average assets | 3.6971% | 1,664 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.9644% | 7,233 |
| Return on assets (ROA) | -0.2752% | 6,727 |
| Pretax return on assets | -0.2752% | 6,647 |
| Return on Equity (ROE) | -5.2939% | 6,998 |
| Retained earnings to average equity (ytd only) | -5.2939% | 6,592 |
| Net charge-offs to loans | 1.2917% | 1,089 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.9911% | 5,356 |
| Efficiency ratio | 135.2895% | 455 |
| Assets per employee ($millions) | 3.6458% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 6,519 |
| Loan loss allowance to noncurrent loans | 7.6287% | 7,533 |
| Noncurrent assets plus other real estate owned to assets | 11.0779% | 174 |
| Noncurrent loans to loans | 12.4049% | 166 |
| Net loans and leases to total assets | 73.6696% | 2,844 |
| Net loans and leases to deposits | 79.5655% | 4,682 |
| Net loans and leases to core deposits | 95.7669% | 4,997 |
| Total domestic deposits to total assets | 92.5899% | 114 |
| Equity capital to assets | 5.1791% | 8,106 |
| Core capital (leverage) ratio | 4.8826% | 8,132 |
| Tier 1 risk-based capital ratio | 7.0810% | 8,092 |
| Total risk-based capital ratio | 8.0748% | 8,114 |
| Memoranda: | ||
| Average total assets | $184,578,000 | 3,440 |
| Average earning assets | $168,767,000 | 3,439 |
| Average equity | $9,596,000 | 5,509 |
| Average total loans | $139,042,500 | 3,187 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9607% | 5,750 |
| Cost of funding earning assets | 3.1701% | 1,285 |
| Net interest margin | 2.7907% | 7,348 |
| Noninterest income to average assets | 0.3398% | 6,020 |
| Noninterest expense to average assets | 3.8809% | 1,594 |
| Loan and lease loss provision to assets | 1.1618% | 1,249 |
| Net operating income to assets | -3.0155% | 7,827 |
| Return on assets (ROA) | -2.9432% | 7,785 |
| Pretax return on assets | -2.0783% | 7,461 |
| Return on Equity (ROE) | -45.8716% | 8,128 |
| Retained earnings to average equity (ytd only) | -45.8716% | 8,101 |
| Net charge-offs to loans | 3.2480% | 259 |
| Credit loss provision to net charge-offs | 45.4821% | 6,397 |
| Earnings coverage of net charge-offs (x) | -0.3871% | 6,453 |
| Efficiency ratio | 134.1903% | 436 |
| Assets per employee ($millions) | 3.3369% | 5,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 4,416 |
| Loan loss allowance to noncurrent loans | 11.9795% | 7,474 |
| Noncurrent assets plus other real estate owned to assets | 8.4505% | 258 |
| Noncurrent loans to loans | 10.1453% | 204 |
| Net loans and leases to total assets | 75.3362% | 2,800 |
| Net loans and leases to deposits | 84.0932% | 4,411 |
| Net loans and leases to core deposits | 101.1889% | 4,702 |
| Total domestic deposits to total assets | 89.5866% | 816 |
| Equity capital to assets | 5.2182% | 8,164 |
| Core capital (leverage) ratio | 4.8731% | 8,221 |
| Tier 1 risk-based capital ratio | 6.8733% | 8,179 |
| Total risk-based capital ratio | 8.1236% | 8,189 |
| Memoranda: | ||
| Average total assets | $193,664,800 | 3,214 |
| Average earning assets | $177,126,400 | 3,225 |
| Average equity | $12,426,000 | 4,719 |
| Average total loans | $152,310,600 | 2,884 |