Home > PNC Bank, Delaware > Performance and Condition Ratios
PNC Bank, Delaware, Performance and Condition Ratios
| 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 | 5.4907% | 4,686 |
| Cost of funding earning assets | 1.0845% | 7,403 |
| Net interest margin | 4.4061% | 1,397 |
| Noninterest income to average assets | 2.4806% | 268 |
| Noninterest expense to average assets | 3.0969% | 3,715 |
| Loan and lease loss provision to assets | 2.5595% | 605 |
| Net operating income to assets | 0.5666% | 3,821 |
| Return on assets (ROA) | 0.3724% | 4,709 |
| Pretax return on assets | 0.5160% | 4,566 |
| Return on Equity (ROE) | 5.5863% | 3,825 |
| Retained earnings to average equity (ytd only) | 5.5863% | 2,210 |
| Net charge-offs to loans | 1.8181% | 1,038 |
| Credit loss provision to net charge-offs | 176.2272% | 2,599 |
| Earnings coverage of net charge-offs (x) | 2.3033% | 3,915 |
| Efficiency ratio | 47.4574% | 7,781 |
| Assets per employee ($millions) | 7.5469% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6177% | 809 |
| Loan loss allowance to noncurrent loans | 42.0775% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 5.0053% | 1,061 |
| Noncurrent loans to loans | 6.2211% | 874 |
| Net loans and leases to total assets | 77.7784% | 1,803 |
| Net loans and leases to deposits | 87.5130% | 3,261 |
| Net loans and leases to core deposits | 92.4761% | 5,297 |
| Total domestic deposits to total assets | 88.8764% | 1,329 |
| Equity capital to assets | 7.0551% | 7,577 |
| Core capital (leverage) ratio | 7.6085% | 6,887 |
| Tier 1 risk-based capital ratio | 9.1177% | 7,631 |
| Total risk-based capital ratio | 12.3011% | 5,744 |
| Memoranda: | ||
| Average total assets | $3,144,764,330 | 254 |
| Average earning assets | $2,827,422,670 | 254 |
| Average equity | $209,656,670 | 359 |
| Average total loans | $2,512,121,330 | 233 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7097% | 3,754 |
| Cost of funding earning assets | 1.2121% | 7,273 |
| Net interest margin | 4.4976% | 1,128 |
| Noninterest income to average assets | 2.3012% | 283 |
| Noninterest expense to average assets | 3.1581% | 3,159 |
| Loan and lease loss provision to assets | 2.0905% | 567 |
| Net operating income to assets | 0.7096% | 3,508 |
| Return on assets (ROA) | 0.7096% | 3,702 |
| Pretax return on assets | 1.0454% | 3,185 |
| Return on Equity (ROE) | 10.9675% | 1,969 |
| Retained earnings to average equity (ytd only) | 10.9675% | 976 |
| Net charge-offs to loans | 1.9708% | 729 |
| Credit loss provision to net charge-offs | 132.7764% | 3,043 |
| Earnings coverage of net charge-offs (x) | 1.9917% | 3,730 |
| Efficiency ratio | 49.5171% | 7,621 |
| Assets per employee ($millions) | 8.0609% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0969% | 1,242 |
| Loan loss allowance to noncurrent loans | 57.4789% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 2.9265% | 1,944 |
| Noncurrent loans to loans | 3.6482% | 1,724 |
| Net loans and leases to total assets | 76.6029% | 2,141 |
| Net loans and leases to deposits | 89.4786% | 3,015 |
| Net loans and leases to core deposits | 94.7368% | 5,086 |
| Total domestic deposits to total assets | 85.6103% | 2,916 |
| Equity capital to assets | 6.5810% | 7,844 |
| Core capital (leverage) ratio | 7.7122% | 6,875 |
| Tier 1 risk-based capital ratio | 9.0564% | 7,756 |
| Total risk-based capital ratio | 12.2244% | 5,829 |
| Memoranda: | ||
| Average total assets | $3,132,293,500 | 256 |
| Average earning assets | $2,780,687,500 | 257 |
| Average equity | $202,672,000 | 360 |
| Average total loans | $2,502,373,500 | 233 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2527% | 4,224 |
| Cost of funding earning assets | 1.6908% | 7,279 |
| Net interest margin | 4.5619% | 1,283 |
| Noninterest income to average assets | 2.6139% | 244 |
| Noninterest expense to average assets | 2.7338% | 5,119 |
| Loan and lease loss provision to assets | 1.3573% | 1,034 |
| Net operating income to assets | 1.7763% | 581 |
| Return on assets (ROA) | 1.7763% | 556 |
| Pretax return on assets | 2.6941% | 137 |
| Return on Equity (ROE) | 24.2951% | 164 |
| Retained earnings to average equity (ytd only) | -1.0002% | 5,597 |
| Net charge-offs to loans | 1.2212% | 987 |
| Credit loss provision to net charge-offs | 139.2955% | 3,808 |
| Earnings coverage of net charge-offs (x) | 4.1579% | 4,083 |
| Efficiency ratio | 39.6541% | 8,139 |
| Assets per employee ($millions) | 7.3435% | 612 |
| Cash dividends to net income (ytd only)* | 104.1170% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9687% | 1,286 |
| Loan loss allowance to noncurrent loans | 67.8384% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 2.5630% | 1,882 |
| Noncurrent loans to loans | 2.9021% | 1,853 |
| Net loans and leases to total assets | 80.0278% | 1,654 |
| Net loans and leases to deposits | 95.0288% | 2,604 |
| Net loans and leases to core deposits | 101.2291% | 4,695 |
| Total domestic deposits to total assets | 84.2143% | 3,217 |
| Equity capital to assets | 6.3531% | 7,978 |
| Core capital (leverage) ratio | 7.4509% | 7,259 |
| Tier 1 risk-based capital ratio | 9.2232% | 7,592 |
| Total risk-based capital ratio | 12.4744% | 5,399 |
| Memoranda: | ||
| Average total assets | $3,190,182,600 | 246 |
| Average earning assets | $2,917,043,000 | 244 |
| Average equity | $233,244,800 | 326 |
| Average total loans | $2,545,513,400 | 227 |