Home > Palos Bank and Trust Company > Performance and Condition Ratios
Palos Bank and Trust Company, Performance and Condition Ratios
| 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 | 4.3665% | 6,957 |
| Cost of funding earning assets | 1.3754% | 4,026 |
| Net interest margin | 2.9912% | 6,848 |
| Noninterest income to average assets | 0.8323% | 1,961 |
| Noninterest expense to average assets | 3.5339% | 1,947 |
| Loan and lease loss provision to assets | 2.9038% | 347 |
| Net operating income to assets | -2.8884% | 7,491 |
| Return on assets (ROA) | -2.7576% | 7,481 |
| Pretax return on assets | -2.7576% | 7,428 |
| Return on Equity (ROE) | -165.2891% | 7,787 |
| Retained earnings to average equity (ytd only) | -165.2891% | 7,787 |
| Net charge-offs to loans | 1.0283% | 1,815 |
| Credit loss provision to net charge-offs | 417.0262% | 873 |
| Earnings coverage of net charge-offs (x) | 0.0222% | 5,695 |
| Efficiency ratio | 99.5653% | 818 |
| Assets per employee ($millions) | 4.2534% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8082% | 115 |
| Loan loss allowance to noncurrent loans | 37.9533% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 14.3833% | 168 |
| Noncurrent loans to loans | 15.3037% | 158 |
| Net loans and leases to total assets | 62.0224% | 4,679 |
| Net loans and leases to deposits | 65.4176% | 5,879 |
| Net loans and leases to core deposits | 66.8234% | 6,172 |
| Total domestic deposits to total assets | 94.8100% | 53 |
| Equity capital to assets | 0.8727% | 7,813 |
| Core capital (leverage) ratio | 1.5587% | 7,792 |
| Tier 1 risk-based capital ratio | 1.9693% | 7,798 |
| Total risk-based capital ratio | 3.3691% | 7,795 |
| Memoranda: | ||
| Average total assets | $492,595,670 | 1,388 |
| Average earning assets | $447,448,330 | 1,390 |
| Average equity | $8,218,330 | 5,723 |
| Average total loans | $333,563,000 | 1,367 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3734% | 7,035 |
| Cost of funding earning assets | 1.4289% | 3,999 |
| Net interest margin | 2.9445% | 6,944 |
| Noninterest income to average assets | 0.7761% | 2,144 |
| Noninterest expense to average assets | 3.3572% | 2,358 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0967% | 6,030 |
| Return on assets (ROA) | 0.1195% | 6,085 |
| Pretax return on assets | 0.1195% | 6,092 |
| Return on Equity (ROE) | 5.7792% | 3,974 |
| Retained earnings to average equity (ytd only) | 5.7792% | 2,723 |
| Net charge-offs to loans | 0.1077% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.3077% | 3,964 |
| Efficiency ratio | 97.2000% | 960 |
| Assets per employee ($millions) | 4.0631% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9632% | 395 |
| Loan loss allowance to noncurrent loans | 25.0771% | 6,736 |
| Noncurrent assets plus other real estate owned to assets | 14.7706% | 141 |
| Noncurrent loans to loans | 15.8042% | 155 |
| Net loans and leases to total assets | 65.2224% | 4,055 |
| Net loans and leases to deposits | 69.7143% | 5,390 |
| Net loans and leases to core deposits | 71.3655% | 5,786 |
| Total domestic deposits to total assets | 93.5567% | 86 |
| Equity capital to assets | 2.1679% | 7,882 |
| Core capital (leverage) ratio | 2.9510% | 7,844 |
| Tier 1 risk-based capital ratio | 3.5437% | 7,858 |
| Total risk-based capital ratio | 4.9183% | 7,855 |
| Memoranda: | ||
| Average total assets | $492,198,000 | 1,418 |
| Average earning assets | $447,618,500 | 1,419 |
| Average equity | $10,174,500 | 5,187 |
| Average total loans | $337,903,000 | 1,386 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 7,053 |
| Cost of funding earning assets | 1.8980% | 3,473 |
| Net interest margin | 2.8524% | 6,957 |
| Noninterest income to average assets | -0.0785% | 7,785 |
| Noninterest expense to average assets | 3.3320% | 2,904 |
| Loan and lease loss provision to assets | 2.6318% | 739 |
| Net operating income to assets | -3.4121% | 7,489 |
| Return on assets (ROA) | -3.7888% | 7,570 |
| Pretax return on assets | -3.7898% | 7,482 |
| Return on Equity (ROE) | -87.0417% | 7,893 |
| Retained earnings to average equity (ytd only) | -87.0417% | 7,887 |
| Net charge-offs to loans | 2.7640% | 810 |
| Credit loss provision to net charge-offs | 136.5871% | 3,613 |
| Earnings coverage of net charge-offs (x) | -0.4054% | 6,632 |
| Efficiency ratio | 130.6264% | 474 |
| Assets per employee ($millions) | 3.8481% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9607% | 371 |
| Loan loss allowance to noncurrent loans | 24.3908% | 6,834 |
| Noncurrent assets plus other real estate owned to assets | 15.2514% | 133 |
| Noncurrent loans to loans | 16.2383% | 135 |
| Net loans and leases to total assets | 66.6515% | 4,002 |
| Net loans and leases to deposits | 71.1823% | 5,447 |
| Net loans and leases to core deposits | 88.0729% | 5,323 |
| Total domestic deposits to total assets | 93.6350% | 93 |
| Equity capital to assets | 1.9650% | 7,960 |
| Core capital (leverage) ratio | 2.9141% | 7,910 |
| Tier 1 risk-based capital ratio | 3.5020% | 7,927 |
| Total risk-based capital ratio | 4.8794% | 7,926 |
| Memoranda: | ||
| Average total assets | $519,452,600 | 1,327 |
| Average earning assets | $478,827,200 | 1,319 |
| Average equity | $22,611,000 | 2,876 |
| Average total loans | $362,123,800 | 1,329 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7917% | 7,134 |
| Cost of funding earning assets | 2.0085% | 3,318 |
| Net interest margin | 2.7832% | 7,084 |
| Noninterest income to average assets | 0.9331% | 1,845 |
| Noninterest expense to average assets | 3.2676% | 3,042 |
| Loan and lease loss provision to assets | 0.6475% | 2,814 |
| Net operating income to assets | -0.4072% | 6,327 |
| Return on assets (ROA) | -0.4975% | 6,426 |
| Pretax return on assets | -0.4988% | 6,295 |
| Return on Equity (ROE) | -10.1404% | 6,905 |
| Retained earnings to average equity (ytd only) | -10.1404% | 6,819 |
| Net charge-offs to loans | 0.9797% | 2,014 |
| Credit loss provision to net charge-offs | 94.7096% | 5,349 |
| Earnings coverage of net charge-offs (x) | 0.3496% | 5,674 |
| Efficiency ratio | 93.1838% | 1,457 |
| Assets per employee ($millions) | 4.1357% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6722% | 902 |
| Loan loss allowance to noncurrent loans | 24.8298% | 6,792 |
| Noncurrent assets plus other real estate owned to assets | 10.1773% | 332 |
| Noncurrent loans to loans | 10.7619% | 344 |
| Net loans and leases to total assets | 66.7659% | 4,241 |
| Net loans and leases to deposits | 73.4176% | 5,456 |
| Net loans and leases to core deposits | 90.9758% | 5,334 |
| Total domestic deposits to total assets | 90.9399% | 440 |
| Equity capital to assets | 4.9164% | 7,956 |
| Core capital (leverage) ratio | 5.9936% | 7,799 |
| Tier 1 risk-based capital ratio | 6.9971% | 7,893 |
| Total risk-based capital ratio | 8.3634% | 7,890 |
| Memoranda: | ||
| Average total assets | $527,140,000 | 1,317 |
| Average earning assets | $487,440,500 | 1,308 |
| Average equity | $25,863,000 | 2,561 |
| Average total loans | $367,864,500 | 1,325 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 7,048 |
| Cost of funding earning assets | 2.1292% | 3,132 |
| Net interest margin | 2.7627% | 7,081 |
| Noninterest income to average assets | 0.9212% | 1,891 |
| Noninterest expense to average assets | 3.3132% | 2,906 |
| Loan and lease loss provision to assets | 0.2501% | 4,569 |
| Net operating income to assets | -0.0872% | 5,984 |
| Return on assets (ROA) | -0.1311% | 6,099 |
| Pretax return on assets | -0.1330% | 6,040 |
| Return on Equity (ROE) | -2.6743% | 6,323 |
| Retained earnings to average equity (ytd only) | -2.6743% | 5,905 |
| Net charge-offs to loans | 1.4444% | 1,307 |
| Credit loss provision to net charge-offs | 24.6729% | 6,081 |
| Earnings coverage of net charge-offs (x) | 0.1593% | 5,511 |
| Efficiency ratio | 95.3539% | 1,418 |
| Assets per employee ($millions) | 4.1099% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1155% | 1,366 |
| Loan loss allowance to noncurrent loans | 25.8034% | 6,789 |
| Noncurrent assets plus other real estate owned to assets | 8.3674% | 437 |
| Noncurrent loans to loans | 8.1983% | 529 |
| Net loans and leases to total assets | 67.6907% | 4,209 |
| Net loans and leases to deposits | 74.1669% | 5,428 |
| Net loans and leases to core deposits | 93.3829% | 5,187 |
| Total domestic deposits to total assets | 91.2680% | 384 |
| Equity capital to assets | 4.5113% | 8,074 |
| Core capital (leverage) ratio | 6.0921% | 7,900 |
| Tier 1 risk-based capital ratio | 7.0494% | 8,003 |
| Total risk-based capital ratio | 8.4143% | 8,000 |
| Memoranda: | ||
| Average total assets | $527,774,000 | 1,334 |
| Average earning assets | $487,791,330 | 1,328 |
| Average equity | $25,876,330 | 2,566 |
| Average total loans | $370,383,330 | 1,339 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0745% | 6,727 |
| Cost of funding earning assets | 2.2185% | 3,066 |
| Net interest margin | 2.8559% | 6,864 |
| Noninterest income to average assets | 0.8948% | 1,874 |
| Noninterest expense to average assets | 2.9132% | 4,115 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6100% | 3,974 |
| Return on assets (ROA) | 0.6100% | 4,168 |
| Pretax return on assets | 0.6161% | 4,710 |
| Return on Equity (ROE) | 11.9603% | 1,673 |
| Retained earnings to average equity (ytd only) | 11.9603% | 791 |
| Net charge-offs to loans | 0.1096% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 7.9510% | 2,266 |
| Efficiency ratio | 82.5441% | 2,472 |
| Assets per employee ($millions) | 3.8000% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6325% | 663 |
| Loan loss allowance to noncurrent loans | 40.0804% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 7.4020% | 436 |
| Noncurrent loans to loans | 6.5681% | 660 |
| Net loans and leases to total assets | 66.7457% | 4,397 |
| Net loans and leases to deposits | 74.9443% | 5,351 |
| Net loans and leases to core deposits | 95.8156% | 4,990 |
| Total domestic deposits to total assets | 89.0604% | 1,201 |
| Equity capital to assets | 5.0047% | 8,115 |
| Core capital (leverage) ratio | 6.3782% | 7,920 |
| Tier 1 risk-based capital ratio | 7.3493% | 8,068 |
| Total risk-based capital ratio | 8.7411% | 8,074 |
| Memoranda: | ||
| Average total assets | $526,573,500 | 1,342 |
| Average earning assets | $485,726,500 | 1,337 |
| Average equity | $26,855,500 | 2,502 |
| Average total loans | $372,257,500 | 1,352 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8001% | 6,433 |
| Cost of funding earning assets | 2.6787% | 3,265 |
| Net interest margin | 3.1214% | 6,590 |
| Noninterest income to average assets | 1.0515% | 1,418 |
| Noninterest expense to average assets | 3.0013% | 4,078 |
| Loan and lease loss provision to assets | 1.8402% | 682 |
| Net operating income to assets | -0.8784% | 7,172 |
| Return on assets (ROA) | -1.9469% | 7,552 |
| Pretax return on assets | -1.9437% | 7,426 |
| Return on Equity (ROE) | -28.0764% | 7,924 |
| Retained earnings to average equity (ytd only) | -36.4129% | 8,003 |
| Net charge-offs to loans | 1.1165% | 1,083 |
| Credit loss provision to net charge-offs | 236.1278% | 2,006 |
| Earnings coverage of net charge-offs (x) | 1.2383% | 5,507 |
| Efficiency ratio | 75.6690% | 3,288 |
| Assets per employee ($millions) | 3.6178% | 4,372 |
| Cash dividends to net income (ytd only)* | -29.6923% | 7,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5902% | 617 |
| Loan loss allowance to noncurrent loans | 31.8543% | 6,603 |
| Noncurrent assets plus other real estate owned to assets | 6.7732% | 395 |
| Noncurrent loans to loans | 8.1315% | 322 |
| Net loans and leases to total assets | 71.0261% | 3,778 |
| Net loans and leases to deposits | 80.2413% | 5,005 |
| Net loans and leases to core deposits | 100.9434% | 4,729 |
| Total domestic deposits to total assets | 88.5157% | 1,242 |
| Equity capital to assets | 5.1988% | 8,167 |
| Core capital (leverage) ratio | 6.1414% | 8,038 |
| Tier 1 risk-based capital ratio | 7.4532% | 8,137 |
| Total risk-based capital ratio | 8.7636% | 8,156 |
| Memoranda: | ||
| Average total assets | $534,176,800 | 1,272 |
| Average earning assets | $498,818,000 | 1,237 |
| Average equity | $37,041,800 | 1,832 |
| Average total loans | $372,860,600 | 1,304 |