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Ravenswood Bank, 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 | 4.2206% | 7,147 |
| Cost of funding earning assets | 3.6836% | 9 |
| Net interest margin | 0.5370% | 7,796 |
| Noninterest income to average assets | 0.3757% | 5,121 |
| Noninterest expense to average assets | 3.6703% | 1,623 |
| Loan and lease loss provision to assets | 8.7632% | 14 |
| Net operating income to assets | -11.5694% | 7,816 |
| Return on assets (ROA) | -11.4133% | 7,815 |
| Pretax return on assets | -11.4133% | 7,816 |
| Return on Equity (ROE) | -1,365.3497% | 7,830 |
| Retained earnings to average equity (ytd only) | -1,365.3497% | 7,830 |
| Net charge-offs to loans | 3.9558% | 328 |
| Credit loss provision to net charge-offs | 293.6712% | 1,266 |
| Earnings coverage of net charge-offs (x) | -0.9404% | 6,110 |
| Efficiency ratio | 424.7031% | 18 |
| Assets per employee ($millions) | 6.6157% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.6106% | 19 |
| Loan loss allowance to noncurrent loans | 28.3096% | 6,476 |
| Noncurrent assets plus other real estate owned to assets | 32.3205% | 4 |
| Noncurrent loans to loans | 37.4806% | 8 |
| Net loans and leases to total assets | 71.3110% | 2,590 |
| Net loans and leases to deposits | 70.0354% | 5,273 |
| Net loans and leases to core deposits | 161.8958% | 159 |
| Total domestic deposits to total assets | 101.8214% | 3 |
| Equity capital to assets | -3.0484% | 7,828 |
| Core capital (leverage) ratio | -2.3404% | 7,828 |
| Tier 1 risk-based capital ratio | -2.9746% | 7,828 |
| Total risk-based capital ratio | -2.9746% | 7,828 |
| Memoranda: | ||
| Average total assets | $292,289,330 | 2,251 |
| Average earning assets | $265,933,670 | 2,263 |
| Average equity | $2,443,330 | 7,561 |
| Average total loans | $220,485,670 | 2,019 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8222% | 5,801 |
| Cost of funding earning assets | 3.5991% | 10 |
| Net interest margin | 1.2230% | 7,862 |
| Noninterest income to average assets | 0.2705% | 5,993 |
| Noninterest expense to average assets | 3.3542% | 2,364 |
| Loan and lease loss provision to assets | 0.9369% | 1,346 |
| Net operating income to assets | -2.9021% | 7,625 |
| Return on assets (ROA) | -2.9426% | 7,627 |
| Pretax return on assets | -2.9426% | 7,589 |
| Return on Equity (ROE) | -117.0098% | 7,847 |
| Retained earnings to average equity (ytd only) | -117.0098% | 7,844 |
| Net charge-offs to loans | 2.9009% | 534 |
| Credit loss provision to net charge-offs | 43.9069% | 4,576 |
| Earnings coverage of net charge-offs (x) | -0.9210% | 5,372 |
| Efficiency ratio | 241.4864% | 70 |
| Assets per employee ($millions) | 7.5706% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8616% | 105 |
| Loan loss allowance to noncurrent loans | 15.9299% | 7,181 |
| Noncurrent assets plus other real estate owned to assets | 28.0826% | 12 |
| Noncurrent loans to loans | 36.7961% | 11 |
| Net loans and leases to total assets | 69.1468% | 3,125 |
| Net loans and leases to deposits | 71.6442% | 5,101 |
| Net loans and leases to core deposits | 180.0967% | 128 |
| Total domestic deposits to total assets | 96.5141% | 25 |
| Equity capital to assets | 2.2756% | 7,877 |
| Core capital (leverage) ratio | 2.5153% | 7,865 |
| Tier 1 risk-based capital ratio | 3.0738% | 7,874 |
| Total risk-based capital ratio | 4.3724% | 7,872 |
| Memoranda: | ||
| Average total assets | $306,120,000 | 2,217 |
| Average earning assets | $279,956,000 | 2,209 |
| Average equity | $7,698,500 | 5,945 |
| Average total loans | $225,174,000 | 2,036 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6554% | 3,327 |
| Cost of funding earning assets | 3.9891% | 12 |
| Net interest margin | 1.6663% | 7,840 |
| Noninterest income to average assets | 0.0976% | 7,275 |
| Noninterest expense to average assets | 2.7371% | 5,207 |
| Loan and lease loss provision to assets | 1.5552% | 1,477 |
| Net operating income to assets | -2.1377% | 7,140 |
| Return on assets (ROA) | -2.2403% | 7,178 |
| Pretax return on assets | -2.8337% | 7,250 |
| Return on Equity (ROE) | -51.3740% | 7,695 |
| Retained earnings to average equity (ytd only) | -51.3740% | 7,686 |
| Net charge-offs to loans | 0.2381% | 5,134 |
| Credit loss provision to net charge-offs | 899.4709% | 330 |
| Earnings coverage of net charge-offs (x) | -6.6437% | 7,134 |
| Efficiency ratio | 172.3171% | 212 |
| Assets per employee ($millions) | 7.5467% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1224% | 96 |
| Loan loss allowance to noncurrent loans | 27.2939% | 6,654 |
| Noncurrent assets plus other real estate owned to assets | 17.6962% | 88 |
| Noncurrent loans to loans | 22.4314% | 54 |
| Net loans and leases to total assets | 69.1506% | 3,447 |
| Net loans and leases to deposits | 72.0065% | 5,328 |
| Net loans and leases to core deposits | 79.3164% | 6,163 |
| Total domestic deposits to total assets | 96.0338% | 36 |
| Equity capital to assets | 2.7490% | 7,927 |
| Core capital (leverage) ratio | 3.0582% | 7,904 |
| Tier 1 risk-based capital ratio | 3.7998% | 7,915 |
| Total risk-based capital ratio | 5.0999% | 7,916 |
| Memoranda: | ||
| Average total assets | $327,940,400 | 2,064 |
| Average earning assets | $293,402,600 | 2,108 |
| Average equity | $14,301,000 | 4,190 |
| Average total loans | $238,157,600 | 1,969 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9426% | 2,264 |
| Cost of funding earning assets | 4.0054% | 13 |
| Net interest margin | 1.9372% | 7,839 |
| Noninterest income to average assets | 0.3011% | 6,067 |
| Noninterest expense to average assets | 2.3389% | 6,597 |
| Loan and lease loss provision to assets | 0.2806% | 4,733 |
| Net operating income to assets | -0.5945% | 6,523 |
| Return on assets (ROA) | -0.5216% | 6,448 |
| Pretax return on assets | -0.5216% | 6,324 |
| Return on Equity (ROE) | -11.0136% | 6,959 |
| Retained earnings to average equity (ytd only) | -11.0136% | 6,886 |
| Net charge-offs to loans | 0.2952% | 4,180 |
| Credit loss provision to net charge-offs | 131.3321% | 3,811 |
| Earnings coverage of net charge-offs (x) | -1.4690% | 6,698 |
| Efficiency ratio | 115.5019% | 662 |
| Assets per employee ($millions) | 7.7375% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1652% | 264 |
| Loan loss allowance to noncurrent loans | 16.1246% | 7,279 |
| Noncurrent assets plus other real estate owned to assets | 20.0943% | 45 |
| Noncurrent loans to loans | 25.8315% | 28 |
| Net loans and leases to total assets | 67.8838% | 3,986 |
| Net loans and leases to deposits | 71.9123% | 5,668 |
| Net loans and leases to core deposits | 77.9373% | 6,495 |
| Total domestic deposits to total assets | 94.3980% | 46 |
| Equity capital to assets | 4.5213% | 7,977 |
| Core capital (leverage) ratio | 4.7305% | 7,944 |
| Tier 1 risk-based capital ratio | 5.6658% | 7,965 |
| Total risk-based capital ratio | 6.9422% | 7,970 |
| Memoranda: | ||
| Average total assets | $332,571,500 | 2,061 |
| Average earning assets | $295,957,250 | 2,116 |
| Average equity | $15,749,750 | 3,960 |
| Average total loans | $240,717,750 | 1,967 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1517% | 1,611 |
| Cost of funding earning assets | 3.9728% | 22 |
| Net interest margin | 2.1789% | 7,762 |
| Noninterest income to average assets | 0.2638% | 6,385 |
| Noninterest expense to average assets | 2.2966% | 6,767 |
| Loan and lease loss provision to assets | 0.1492% | 5,583 |
| Net operating income to assets | -0.2196% | 6,217 |
| Return on assets (ROA) | -0.2196% | 6,235 |
| Pretax return on assets | -0.2196% | 6,143 |
| Return on Equity (ROE) | -4.5709% | 6,562 |
| Retained earnings to average equity (ytd only) | -4.5709% | 6,234 |
| Net charge-offs to loans | 0.2416% | 3,984 |
| Credit loss provision to net charge-offs | 84.7458% | 5,069 |
| Earnings coverage of net charge-offs (x) | -0.4000% | 6,019 |
| Efficiency ratio | 103.1635% | 1,054 |
| Assets per employee ($millions) | 7.9352% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9745% | 265 |
| Loan loss allowance to noncurrent loans | 29.4741% | 6,528 |
| Noncurrent assets plus other real estate owned to assets | 11.7542% | 195 |
| Noncurrent loans to loans | 13.4847% | 168 |
| Net loans and leases to total assets | 67.9697% | 4,155 |
| Net loans and leases to deposits | 72.0163% | 5,732 |
| Net loans and leases to core deposits | 76.6795% | 6,629 |
| Total domestic deposits to total assets | 94.3810% | 52 |
| Equity capital to assets | 4.6211% | 8,064 |
| Core capital (leverage) ratio | 5.0342% | 8,024 |
| Tier 1 risk-based capital ratio | 6.2158% | 8,048 |
| Total risk-based capital ratio | 7.4928% | 8,054 |
| Memoranda: | ||
| Average total assets | $335,104,330 | 2,071 |
| Average earning assets | $301,804,670 | 2,103 |
| Average equity | $16,102,000 | 3,897 |
| Average total loans | $244,226,330 | 1,972 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6908% | 588 |
| Cost of funding earning assets | 4.0145% | 27 |
| Net interest margin | 2.6763% | 7,253 |
| Noninterest income to average assets | 0.2786% | 6,195 |
| Noninterest expense to average assets | 2.1106% | 7,092 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4690% | 4,571 |
| Return on assets (ROA) | 0.4690% | 4,759 |
| Pretax return on assets | 0.6059% | 4,738 |
| Return on Equity (ROE) | 9.5791% | 2,501 |
| Retained earnings to average equity (ytd only) | 9.5791% | 1,316 |
| Net charge-offs to loans | 0.2609% | 3,098 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.1420% | 3,274 |
| Efficiency ratio | 77.6950% | 3,222 |
| Assets per employee ($millions) | 7.8458% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7958% | 261 |
| Loan loss allowance to noncurrent loans | 50.5404% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 7.6571% | 409 |
| Noncurrent loans to loans | 7.5105% | 500 |
| Net loans and leases to total assets | 71.2134% | 3,423 |
| Net loans and leases to deposits | 75.9616% | 5,229 |
| Net loans and leases to core deposits | 82.1294% | 6,230 |
| Total domestic deposits to total assets | 93.7492% | 50 |
| Equity capital to assets | 5.2023% | 8,103 |
| Core capital (leverage) ratio | 5.1030% | 8,117 |
| Tier 1 risk-based capital ratio | 6.2091% | 8,133 |
| Total risk-based capital ratio | 7.4835% | 8,136 |
| Memoranda: | ||
| Average total assets | $336,017,500 | 2,073 |
| Average earning assets | $306,090,000 | 2,083 |
| Average equity | $16,452,500 | 3,853 |
| Average total loans | $248,387,500 | 1,974 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3163% | 578 |
| Cost of funding earning assets | 4.0794% | 74 |
| Net interest margin | 3.2369% | 6,254 |
| Noninterest income to average assets | 0.3436% | 5,990 |
| Noninterest expense to average assets | 2.0830% | 7,269 |
| Loan and lease loss provision to assets | 4.8089% | 118 |
| Net operating income to assets | -3.4280% | 7,898 |
| Return on assets (ROA) | -3.5226% | 7,897 |
| Pretax return on assets | -3.6423% | 7,836 |
| Return on Equity (ROE) | -46.2540% | 8,135 |
| Retained earnings to average equity (ytd only) | -46.2540% | 8,111 |
| Net charge-offs to loans | 4.3408% | 139 |
| Credit loss provision to net charge-offs | 143.5263% | 3,682 |
| Earnings coverage of net charge-offs (x) | 0.3773% | 6,004 |
| Efficiency ratio | 62.2321% | 5,908 |
| Assets per employee ($millions) | 7.4459% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7259% | 233 |
| Loan loss allowance to noncurrent loans | 65.9965% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 4.3342% | 894 |
| Noncurrent loans to loans | 5.6456% | 688 |
| Net loans and leases to total assets | 71.0721% | 3,771 |
| Net loans and leases to deposits | 75.2844% | 5,686 |
| Net loans and leases to core deposits | 81.1584% | 6,524 |
| Total domestic deposits to total assets | 94.4048% | 21 |
| Equity capital to assets | 4.6019% | 8,224 |
| Core capital (leverage) ratio | 4.7452% | 8,228 |
| Tier 1 risk-based capital ratio | 5.8788% | 8,234 |
| Total risk-based capital ratio | 7.1529% | 8,235 |
| Memoranda: | ||
| Average total assets | $356,837,800 | 1,876 |
| Average earning assets | $331,123,600 | 1,849 |
| Average equity | $27,176,000 | 2,462 |
| Average total loans | $275,432,600 | 1,741 |