Home > Millennium BCP Bank > Performance and Condition Ratios
Millennium BCP 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 | 4.4861% | 6,639 |
| Cost of funding earning assets | 1.0621% | 5,639 |
| Net interest margin | 3.4240% | 5,590 |
| Noninterest income to average assets | 1.0027% | 1,459 |
| Noninterest expense to average assets | 6.6012% | 175 |
| Loan and lease loss provision to assets | 0.8824% | 1,725 |
| Net operating income to assets | -3.2071% | 7,479 |
| Return on assets (ROA) | -3.2089% | 7,492 |
| Pretax return on assets | -3.2040% | 7,460 |
| Return on Equity (ROE) | -32.7489% | 7,425 |
| Retained earnings to average equity (ytd only) | -32.7489% | 7,420 |
| Net charge-offs to loans | 2.1230% | 871 |
| Credit loss provision to net charge-offs | 56.5704% | 5,775 |
| Earnings coverage of net charge-offs (x) | -1.4873% | 6,504 |
| Efficiency ratio | 154.0785% | 189 |
| Assets per employee ($millions) | 4.3173% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4410% | 1,412 |
| Loan loss allowance to noncurrent loans | 58.8672% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 3.0744% | 2,358 |
| Noncurrent loans to loans | 4.1467% | 1,777 |
| Net loans and leases to total assets | 69.7557% | 2,795 |
| Net loans and leases to deposits | 78.4875% | 3,740 |
| Net loans and leases to core deposits | 87.4307% | 3,458 |
| Total domestic deposits to total assets | 88.8750% | 1,459 |
| Equity capital to assets | 9.6500% | 4,621 |
| Core capital (leverage) ratio | 9.5282% | 3,860 |
| Tier 1 risk-based capital ratio | 15.8029% | 2,861 |
| Total risk-based capital ratio | 17.0724% | 2,799 |
| Memoranda: | ||
| Average total assets | $740,266,500 | 917 |
| Average earning assets | $708,863,500 | 869 |
| Average equity | $72,534,000 | 918 |
| Average total loans | $543,883,250 | 832 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5745% | 6,529 |
| Cost of funding earning assets | 1.1017% | 5,659 |
| Net interest margin | 3.4728% | 5,356 |
| Noninterest income to average assets | 1.0783% | 1,150 |
| Noninterest expense to average assets | 4.5550% | 542 |
| Loan and lease loss provision to assets | 0.7558% | 1,907 |
| Net operating income to assets | -0.9262% | 6,913 |
| Return on assets (ROA) | -0.9166% | 6,925 |
| Pretax return on assets | -0.9137% | 6,850 |
| Return on Equity (ROE) | -9.3107% | 6,939 |
| Retained earnings to average equity (ytd only) | -9.3107% | 6,881 |
| Net charge-offs to loans | 1.1811% | 1,611 |
| Credit loss provision to net charge-offs | 86.3664% | 4,537 |
| Earnings coverage of net charge-offs (x) | -0.1914% | 5,868 |
| Efficiency ratio | 103.7208% | 691 |
| Assets per employee ($millions) | 3.8208% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9601% | 852 |
| Loan loss allowance to noncurrent loans | 135.3398% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 1.7922% | 3,767 |
| Noncurrent loans to loans | 2.1872% | 3,494 |
| Net loans and leases to total assets | 71.9023% | 2,429 |
| Net loans and leases to deposits | 81.0874% | 3,419 |
| Net loans and leases to core deposits | 91.6853% | 3,033 |
| Total domestic deposits to total assets | 88.6725% | 1,622 |
| Equity capital to assets | 10.1561% | 3,827 |
| Core capital (leverage) ratio | 10.1074% | 3,052 |
| Tier 1 risk-based capital ratio | 15.8590% | 2,734 |
| Total risk-based capital ratio | 17.1361% | 2,688 |
| Memoranda: | ||
| Average total assets | $751,007,000 | 903 |
| Average earning assets | $715,615,670 | 861 |
| Average equity | $73,936,670 | 891 |
| Average total loans | $556,424,330 | 823 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5383% | 6,705 |
| Cost of funding earning assets | 1.1692% | 5,560 |
| Net interest margin | 3.3690% | 5,710 |
| Noninterest income to average assets | 1.1242% | 990 |
| Noninterest expense to average assets | 4.1354% | 866 |
| Loan and lease loss provision to assets | 1.3353% | 897 |
| Net operating income to assets | -1.1387% | 7,188 |
| Return on assets (ROA) | -1.1387% | 7,204 |
| Pretax return on assets | -1.1387% | 7,117 |
| Return on Equity (ROE) | -11.7390% | 7,200 |
| Retained earnings to average equity (ytd only) | -11.7390% | 7,051 |
| Net charge-offs to loans | 2.0465% | 836 |
| Credit loss provision to net charge-offs | 88.0658% | 3,706 |
| Earnings coverage of net charge-offs (x) | 0.1296% | 4,915 |
| Efficiency ratio | 95.3667% | 1,063 |
| Assets per employee ($millions) | 3.6565% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8948% | 907 |
| Loan loss allowance to noncurrent loans | 155.3892% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 1.5713% | 4,144 |
| Noncurrent loans to loans | 1.8629% | 3,978 |
| Net loans and leases to total assets | 73.0772% | 2,180 |
| Net loans and leases to deposits | 82.2337% | 3,247 |
| Net loans and leases to core deposits | 101.0565% | 2,023 |
| Total domestic deposits to total assets | 88.8653% | 1,588 |
| Equity capital to assets | 10.1830% | 3,628 |
| Core capital (leverage) ratio | 9.5628% | 3,686 |
| Tier 1 risk-based capital ratio | 15.3769% | 2,932 |
| Total risk-based capital ratio | 16.6524% | 2,870 |
| Memoranda: | ||
| Average total assets | $769,268,000 | 901 |
| Average earning assets | $732,440,500 | 855 |
| Average equity | $74,623,000 | 887 |
| Average total loans | $569,935,500 | 823 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 6,836 |
| Cost of funding earning assets | 1.7877% | 4,052 |
| Net interest margin | 3.0643% | 6,481 |
| Noninterest income to average assets | 1.0764% | 1,330 |
| Noninterest expense to average assets | 4.1048% | 1,225 |
| Loan and lease loss provision to assets | 1.6819% | 1,360 |
| Net operating income to assets | -1.7629% | 6,999 |
| Return on assets (ROA) | -1.6316% | 6,930 |
| Pretax return on assets | -1.6633% | 6,791 |
| Return on Equity (ROE) | -17.0958% | 7,037 |
| Retained earnings to average equity (ytd only) | -17.0958% | 6,991 |
| Net charge-offs to loans | 1.1578% | 2,114 |
| Credit loss provision to net charge-offs | 186.1553% | 2,181 |
| Earnings coverage of net charge-offs (x) | -0.1277% | 6,362 |
| Efficiency ratio | 102.7906% | 982 |
| Assets per employee ($millions) | 4.0125% | 3,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7089% | 1,008 |
| Loan loss allowance to noncurrent loans | 58.2860% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 3.5172% | 1,906 |
| Noncurrent loans to loans | 4.6477% | 1,514 |
| Net loans and leases to total assets | 71.0713% | 2,975 |
| Net loans and leases to deposits | 81.8953% | 3,637 |
| Net loans and leases to core deposits | 102.7790% | 3,713 |
| Total domestic deposits to total assets | 86.7831% | 2,617 |
| Equity capital to assets | 9.2717% | 4,737 |
| Core capital (leverage) ratio | 9.6184% | 3,570 |
| Tier 1 risk-based capital ratio | 14.4562% | 3,236 |
| Total risk-based capital ratio | 15.7289% | 3,172 |
| Memoranda: | ||
| Average total assets | $806,635,200 | 849 |
| Average earning assets | $766,801,000 | 810 |
| Average equity | $76,983,600 | 837 |
| Average total loans | $629,454,200 | 744 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9398% | 6,796 |
| Cost of funding earning assets | 1.8825% | 3,974 |
| Net interest margin | 3.0573% | 6,440 |
| Noninterest income to average assets | 1.0088% | 1,576 |
| Noninterest expense to average assets | 4.0465% | 1,218 |
| Loan and lease loss provision to assets | 1.8904% | 971 |
| Net operating income to assets | -2.0368% | 7,337 |
| Return on assets (ROA) | -1.8576% | 7,257 |
| Pretax return on assets | -1.8431% | 7,109 |
| Return on Equity (ROE) | -19.3249% | 7,351 |
| Retained earnings to average equity (ytd only) | -19.3249% | 7,317 |
| Net charge-offs to loans | 1.0830% | 1,841 |
| Credit loss provision to net charge-offs | 220.1235% | 1,997 |
| Earnings coverage of net charge-offs (x) | -0.1534% | 6,241 |
| Efficiency ratio | 103.2591% | 940 |
| Assets per employee ($millions) | 3.8286% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5852% | 978 |
| Loan loss allowance to noncurrent loans | 66.0473% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 3.0606% | 2,250 |
| Noncurrent loans to loans | 3.9142% | 1,880 |
| Net loans and leases to total assets | 74.9393% | 2,260 |
| Net loans and leases to deposits | 86.9513% | 3,151 |
| Net loans and leases to core deposits | 110.8501% | 3,142 |
| Total domestic deposits to total assets | 86.1853% | 2,598 |
| Equity capital to assets | 9.5964% | 4,625 |
| Core capital (leverage) ratio | 9.5546% | 3,838 |
| Tier 1 risk-based capital ratio | 14.1696% | 3,459 |
| Total risk-based capital ratio | 15.4405% | 3,392 |
| Memoranda: | ||
| Average total assets | $804,657,250 | 861 |
| Average earning assets | $764,845,500 | 817 |
| Average equity | $77,349,000 | 848 |
| Average total loans | $638,060,750 | 749 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9804% | 6,833 |
| Cost of funding earning assets | 1.9374% | 4,076 |
| Net interest margin | 3.0430% | 6,425 |
| Noninterest income to average assets | 0.9736% | 1,677 |
| Noninterest expense to average assets | 4.0471% | 1,251 |
| Loan and lease loss provision to assets | 1.9024% | 863 |
| Net operating income to assets | -2.0986% | 7,452 |
| Return on assets (ROA) | -1.8295% | 7,372 |
| Pretax return on assets | -1.8146% | 7,220 |
| Return on Equity (ROE) | -19.0217% | 7,479 |
| Retained earnings to average equity (ytd only) | -19.0217% | 7,425 |
| Net charge-offs to loans | 0.7787% | 2,122 |
| Credit loss provision to net charge-offs | 305.0279% | 1,520 |
| Earnings coverage of net charge-offs (x) | -0.2905% | 5,946 |
| Efficiency ratio | 104.5838% | 1,010 |
| Assets per employee ($millions) | 3.7929% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3519% | 1,041 |
| Loan loss allowance to noncurrent loans | 71.6479% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 2.5635% | 2,519 |
| Noncurrent loans to loans | 3.2826% | 2,158 |
| Net loans and leases to total assets | 76.2577% | 2,126 |
| Net loans and leases to deposits | 88.8392% | 3,028 |
| Net loans and leases to core deposits | 115.3403% | 2,778 |
| Total domestic deposits to total assets | 85.8379% | 2,868 |
| Equity capital to assets | 9.9274% | 4,052 |
| Core capital (leverage) ratio | 10.1033% | 3,186 |
| Tier 1 risk-based capital ratio | 14.5445% | 3,221 |
| Total risk-based capital ratio | 15.8122% | 3,149 |
| Memoranda: | ||
| Average total assets | $803,596,000 | 877 |
| Average earning assets | $763,795,330 | 838 |
| Average equity | $77,290,670 | 857 |
| Average total loans | $643,595,670 | 764 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0589% | 6,766 |
| Cost of funding earning assets | 2.0384% | 3,933 |
| Net interest margin | 3.0206% | 6,423 |
| Noninterest income to average assets | 0.9548% | 1,621 |
| Noninterest expense to average assets | 3.9476% | 1,248 |
| Loan and lease loss provision to assets | 1.3359% | 957 |
| Net operating income to assets | -1.4623% | 7,477 |
| Return on assets (ROA) | -0.9202% | 7,234 |
| Pretax return on assets | -0.9197% | 7,106 |
| Return on Equity (ROE) | -9.7273% | 7,345 |
| Retained earnings to average equity (ytd only) | -9.7273% | 7,085 |
| Net charge-offs to loans | 0.7741% | 1,661 |
| Credit loss provision to net charge-offs | 212.7796% | 2,116 |
| Earnings coverage of net charge-offs (x) | -0.2005% | 5,133 |
| Efficiency ratio | 103.1886% | 1,009 |
| Assets per employee ($millions) | 3.6805% | 4,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7516% | 1,977 |
| Loan loss allowance to noncurrent loans | 79.1169% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.7644% | 3,278 |
| Noncurrent loans to loans | 2.2140% | 2,958 |
| Net loans and leases to total assets | 78.2990% | 1,748 |
| Net loans and leases to deposits | 90.6693% | 2,831 |
| Net loans and leases to core deposits | 115.2003% | 2,884 |
| Total domestic deposits to total assets | 86.3567% | 2,518 |
| Equity capital to assets | 9.2713% | 4,980 |
| Core capital (leverage) ratio | 9.4962% | 3,992 |
| Tier 1 risk-based capital ratio | 13.0822% | 4,137 |
| Total risk-based capital ratio | 14.3410% | 4,036 |
| Memoranda: | ||
| Average total assets | $797,652,000 | 882 |
| Average earning assets | $757,077,500 | 844 |
| Average equity | $75,458,000 | 884 |
| Average total loans | $646,970,000 | 766 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7721% | 6,529 |
| Cost of funding earning assets | 2.3252% | 5,037 |
| Net interest margin | 3.4468% | 5,476 |
| Noninterest income to average assets | 1.0443% | 1,447 |
| Noninterest expense to average assets | 4.1073% | 1,266 |
| Loan and lease loss provision to assets | 0.7931% | 1,878 |
| Net operating income to assets | -0.9800% | 7,240 |
| Return on assets (ROA) | -0.9652% | 7,150 |
| Pretax return on assets | -0.5920% | 6,730 |
| Return on Equity (ROE) | -9.8729% | 7,272 |
| Retained earnings to average equity (ytd only) | -9.8729% | 7,064 |
| Net charge-offs to loans | 0.5646% | 2,123 |
| Credit loss provision to net charge-offs | 183.5506% | 2,713 |
| Earnings coverage of net charge-offs (x) | 0.4311% | 5,973 |
| Efficiency ratio | 95.5700% | 1,181 |
| Assets per employee ($millions) | 3.4923% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 2,624 |
| Loan loss allowance to noncurrent loans | 133.4599% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.9342% | 4,493 |
| Noncurrent loans to loans | 1.1316% | 4,283 |
| Net loans and leases to total assets | 81.3070% | 1,357 |
| Net loans and leases to deposits | 96.1294% | 2,425 |
| Net loans and leases to core deposits | 122.1306% | 2,496 |
| Total domestic deposits to total assets | 84.5808% | 3,037 |
| Equity capital to assets | 9.6528% | 4,477 |
| Core capital (leverage) ratio | 9.5305% | 3,971 |
| Tier 1 risk-based capital ratio | 13.1217% | 4,050 |
| Total risk-based capital ratio | 14.3779% | 3,956 |
| Memoranda: | ||
| Average total assets | $834,359,600 | 811 |
| Average earning assets | $786,545,000 | 783 |
| Average equity | $81,566,800 | 816 |
| Average total loans | $638,453,200 | 750 |