Home > Imperial Capital Bank > Performance and Condition Ratios
Imperial Capital 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 | 5.6178% | 3,756 |
| Cost of funding earning assets | 3.6243% | 43 |
| Net interest margin | 1.9934% | 7,815 |
| Noninterest income to average assets | -0.3132% | 8,017 |
| Noninterest expense to average assets | 1.7114% | 7,755 |
| Loan and lease loss provision to assets | 2.5934% | 628 |
| Net operating income to assets | -3.0941% | 7,614 |
| Return on assets (ROA) | -3.1018% | 7,620 |
| Pretax return on assets | -2.7240% | 7,426 |
| Return on Equity (ROE) | -64.5937% | 7,914 |
| Retained earnings to average equity (ytd only) | -64.5937% | 7,912 |
| Net charge-offs to loans | 3.0251% | 547 |
| Credit loss provision to net charge-offs | 137.0259% | 3,611 |
| Earnings coverage of net charge-offs (x) | -0.0649% | 6,143 |
| Efficiency ratio | 107.7340% | 814 |
| Assets per employee ($millions) | 27.7184% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8560% | 748 |
| Loan loss allowance to noncurrent loans | 24.4450% | 6,814 |
| Noncurrent assets plus other real estate owned to assets | 9.5755% | 375 |
| Noncurrent loans to loans | 11.6834% | 292 |
| Net loans and leases to total assets | 61.3738% | 5,350 |
| Net loans and leases to deposits | 88.0036% | 2,958 |
| Net loans and leases to core deposits | 127.6783% | 1,607 |
| Total domestic deposits to total assets | 69.7400% | 7,436 |
| Equity capital to assets | 3.7043% | 8,010 |
| Core capital (leverage) ratio | 3.8282% | 7,993 |
| Tier 1 risk-based capital ratio | 4.8249% | 8,007 |
| Total risk-based capital ratio | 6.0875% | 8,010 |
| Memoranda: | ||
| Average total assets | $4,301,970,250 | 202 |
| Average earning assets | $4,104,111,500 | 194 |
| Average equity | $206,584,500 | 357 |
| Average total loans | $2,691,513,750 | 214 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6718% | 3,705 |
| Cost of funding earning assets | 3.7280% | 50 |
| Net interest margin | 1.9438% | 7,891 |
| Noninterest income to average assets | -0.2589% | 8,083 |
| Noninterest expense to average assets | 1.6196% | 7,898 |
| Loan and lease loss provision to assets | 2.6808% | 574 |
| Net operating income to assets | -3.2572% | 7,718 |
| Return on assets (ROA) | -3.2288% | 7,718 |
| Pretax return on assets | -2.6731% | 7,466 |
| Return on Equity (ROE) | -62.8215% | 7,992 |
| Retained earnings to average equity (ytd only) | -62.8215% | 7,988 |
| Net charge-offs to loans | 2.5246% | 679 |
| Credit loss provision to net charge-offs | 170.2391% | 2,702 |
| Earnings coverage of net charge-offs (x) | -0.0131% | 5,705 |
| Efficiency ratio | 101.2887% | 1,114 |
| Assets per employee ($millions) | 29.8680% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8058% | 679 |
| Loan loss allowance to noncurrent loans | 27.9708% | 6,634 |
| Noncurrent assets plus other real estate owned to assets | 7.8669% | 487 |
| Noncurrent loans to loans | 10.0312% | 350 |
| Net loans and leases to total assets | 61.4199% | 5,451 |
| Net loans and leases to deposits | 88.3041% | 3,126 |
| Net loans and leases to core deposits | 126.1777% | 1,852 |
| Total domestic deposits to total assets | 69.5550% | 7,511 |
| Equity capital to assets | 4.1956% | 8,088 |
| Core capital (leverage) ratio | 4.2495% | 8,075 |
| Tier 1 risk-based capital ratio | 5.5130% | 8,078 |
| Total risk-based capital ratio | 6.7752% | 8,084 |
| Memoranda: | ||
| Average total assets | $4,386,997,670 | 205 |
| Average earning assets | $4,193,260,670 | 194 |
| Average equity | $225,477,000 | 328 |
| Average total loans | $2,736,435,670 | 220 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7903% | 3,353 |
| Cost of funding earning assets | 3.8543% | 51 |
| Net interest margin | 1.9360% | 7,920 |
| Noninterest income to average assets | -0.2196% | 8,167 |
| Noninterest expense to average assets | 1.4307% | 8,029 |
| Loan and lease loss provision to assets | 1.7140% | 725 |
| Net operating income to assets | -1.5133% | 7,502 |
| Return on assets (ROA) | -1.3888% | 7,471 |
| Pretax return on assets | -1.3888% | 7,333 |
| Return on Equity (ROE) | -24.8705% | 7,842 |
| Retained earnings to average equity (ytd only) | -24.8705% | 7,767 |
| Net charge-offs to loans | 0.9821% | 1,370 |
| Credit loss provision to net charge-offs | 281.5299% | 1,711 |
| Earnings coverage of net charge-offs (x) | 0.3298% | 4,716 |
| Efficiency ratio | 87.6938% | 1,916 |
| Assets per employee ($millions) | 31.8040% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2879% | 960 |
| Loan loss allowance to noncurrent loans | 33.4125% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 5.2439% | 836 |
| Noncurrent loans to loans | 6.8474% | 604 |
| Net loans and leases to total assets | 59.3638% | 5,761 |
| Net loans and leases to deposits | 85.6245% | 3,701 |
| Net loans and leases to core deposits | 121.5753% | 2,286 |
| Total domestic deposits to total assets | 69.3304% | 7,484 |
| Equity capital to assets | 5.3460% | 8,088 |
| Core capital (leverage) ratio | 5.1589% | 8,114 |
| Tier 1 risk-based capital ratio | 6.5484% | 8,120 |
| Total risk-based capital ratio | 7.8050% | 8,128 |
| Memoranda: | ||
| Average total assets | $4,474,802,000 | 202 |
| Average earning assets | $4,278,463,000 | 192 |
| Average equity | $249,870,000 | 303 |
| Average total loans | $2,774,002,500 | 217 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7237% | 1,944 |
| Cost of funding earning assets | 4.0365% | 90 |
| Net interest margin | 2.6871% | 7,518 |
| Noninterest income to average assets | -0.1455% | 8,214 |
| Noninterest expense to average assets | 1.2792% | 8,128 |
| Loan and lease loss provision to assets | 1.9801% | 611 |
| Net operating income to assets | -0.4618% | 6,893 |
| Return on assets (ROA) | -0.6128% | 6,908 |
| Pretax return on assets | -1.0554% | 7,034 |
| Return on Equity (ROE) | -8.3833% | 7,146 |
| Retained earnings to average equity (ytd only) | -12.1526% | 7,254 |
| Net charge-offs to loans | 2.5125% | 377 |
| Credit loss provision to net charge-offs | 103.7180% | 5,155 |
| Earnings coverage of net charge-offs (x) | 0.6079% | 5,859 |
| Efficiency ratio | 52.4284% | 7,442 |
| Assets per employee ($millions) | 23.5821% | 65 |
| Cash dividends to net income (ytd only)* | -44.9629% | 8,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7976% | 1,641 |
| Loan loss allowance to noncurrent loans | 32.5572% | 6,551 |
| Noncurrent assets plus other real estate owned to assets | 4.3276% | 903 |
| Noncurrent loans to loans | 5.5213% | 730 |
| Net loans and leases to total assets | 62.1155% | 5,610 |
| Net loans and leases to deposits | 93.2555% | 2,911 |
| Net loans and leases to core deposits | 130.7539% | 1,798 |
| Total domestic deposits to total assets | 66.6079% | 7,611 |
| Equity capital to assets | 5.8263% | 8,091 |
| Core capital (leverage) ratio | 6.0300% | 8,069 |
| Tier 1 risk-based capital ratio | 8.0225% | 8,084 |
| Total risk-based capital ratio | 9.2774% | 8,115 |
| Memoranda: | ||
| Average total assets | $3,937,585,000 | 213 |
| Average earning assets | $3,788,416,200 | 202 |
| Average equity | $287,847,000 | 275 |
| Average total loans | $2,992,085,600 | 198 |