Home > Portage Commerce Bank > Performance and Condition Ratios
Portage Commerce Bank, Performance and Condition Ratios
| 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 | 6.8810% | 1,459 |
| Cost of funding earning assets | 3.1667% | 1,294 |
| Net interest margin | 3.7143% | 4,407 |
| Noninterest income to average assets | 0.4683% | 4,892 |
| Noninterest expense to average assets | 1.8317% | 7,714 |
| Loan and lease loss provision to assets | 0.3919% | 3,343 |
| Net operating income to assets | 1.1307% | 2,025 |
| Return on assets (ROA) | 1.1307% | 1,944 |
| Pretax return on assets | 1.6969% | 1,150 |
| Return on Equity (ROE) | 13.6352% | 1,176 |
| Retained earnings to average equity (ytd only) | 3.0313% | 3,283 |
| Net charge-offs to loans | 0.2231% | 3,998 |
| Credit loss provision to net charge-offs | 193.3962% | 2,531 |
| Earnings coverage of net charge-offs (x) | 10.3090% | 2,534 |
| Efficiency ratio | 46.7211% | 7,887 |
| Assets per employee ($millions) | 7.2556% | 633 |
| Cash dividends to net income (ytd only)* | 77.7684% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 5,015 |
| Loan loss allowance to noncurrent loans | 183.0846% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.7341% | 5,018 |
| Noncurrent loans to loans | 0.6205% | 5,509 |
| Net loans and leases to total assets | 88.2702% | 342 |
| Net loans and leases to deposits | 101.1998% | 1,678 |
| Net loans and leases to core deposits | 123.5530% | 2,352 |
| Total domestic deposits to total assets | 87.2237% | 1,828 |
| Equity capital to assets | 8.2539% | 6,475 |
| Core capital (leverage) ratio | 8.3344% | 5,884 |
| Tier 1 risk-based capital ratio | 9.1584% | 7,659 |
| Total risk-based capital ratio | 10.2704% | 7,757 |
| Memoranda: | ||
| Average total assets | $209,259,400 | 3,011 |
| Average earning assets | $194,492,800 | 2,968 |
| Average equity | $17,352,200 | 3,675 |
| Average total loans | $190,040,800 | 2,391 |