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The PrivateBank, Performance and Condition Ratios
| 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 | 4.3854% | 7,807 |
| Cost of funding earning assets | 2.0034% | 4,110 |
| Net interest margin | 2.3821% | 7,637 |
| Noninterest income to average assets | 0.2599% | 6,373 |
| Noninterest expense to average assets | 1.3612% | 8,053 |
| Loan and lease loss provision to assets | 1.8988% | 643 |
| Net operating income to assets | -0.5032% | 6,881 |
| Return on assets (ROA) | -0.5032% | 6,930 |
| Pretax return on assets | -0.8260% | 7,052 |
| Return on Equity (ROE) | -4.3947% | 6,925 |
| Retained earnings to average equity (ytd only) | -4.3947% | 6,472 |
| Net charge-offs to loans | 1.1433% | 1,205 |
| Credit loss provision to net charge-offs | 239.2556% | 1,943 |
| Earnings coverage of net charge-offs (x) | 1.3518% | 4,060 |
| Efficiency ratio | 54.4929% | 7,171 |
| Assets per employee ($millions) | 12.6307% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0991% | 1,240 |
| Loan loss allowance to noncurrent loans | 44.1827% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 3.5007% | 1,538 |
| Noncurrent loans to loans | 4.7510% | 1,169 |
| Net loans and leases to total assets | 65.9508% | 4,599 |
| Net loans and leases to deposits | 110.6853% | 583 |
| Net loans and leases to core deposits | 309.2724% | 35 |
| Total domestic deposits to total assets | 59.5841% | 7,977 |
| Equity capital to assets | 11.1907% | 2,821 |
| Core capital (leverage) ratio | 8.6246% | 5,291 |
| Tier 1 risk-based capital ratio | 9.9564% | 6,978 |
| Total risk-based capital ratio | 11.2148% | 6,870 |
| Memoranda: | ||
| Average total assets | $1,137,567,000 | 610 |
| Average earning assets | $1,038,255,000 | 606 |
| Average equity | $130,248,000 | 531 |
| Average total loans | $789,612,500 | 626 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9347% | 5,881 |
| Cost of funding earning assets | 2.9365% | 2,116 |
| Net interest margin | 2.9982% | 6,925 |
| Noninterest income to average assets | 0.3361% | 6,054 |
| Noninterest expense to average assets | 1.6338% | 7,933 |
| Loan and lease loss provision to assets | 4.0235% | 161 |
| Net operating income to assets | -1.7273% | 7,537 |
| Return on assets (ROA) | -1.7268% | 7,489 |
| Pretax return on assets | -2.5967% | 7,616 |
| Return on Equity (ROE) | -12.6071% | 7,473 |
| Retained earnings to average equity (ytd only) | -12.6071% | 7,298 |
| Net charge-offs to loans | 4.0609% | 158 |
| Credit loss provision to net charge-offs | 122.1360% | 4,400 |
| Earnings coverage of net charge-offs (x) | 0.4329% | 5,969 |
| Efficiency ratio | 51.8810% | 7,500 |
| Assets per employee ($millions) | 11.8245% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7508% | 1,761 |
| Loan loss allowance to noncurrent loans | 55.1621% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 2.7043% | 1,749 |
| Noncurrent loans to loans | 3.1739% | 1,661 |
| Net loans and leases to total assets | 70.3927% | 3,928 |
| Net loans and leases to deposits | 122.0756% | 347 |
| Net loans and leases to core deposits | 373.6037% | 31 |
| Total domestic deposits to total assets | 57.6632% | 8,021 |
| Equity capital to assets | 11.7324% | 2,480 |
| Core capital (leverage) ratio | 8.3918% | 5,783 |
| Tier 1 risk-based capital ratio | 9.7678% | 6,993 |
| Total risk-based capital ratio | 11.0225% | 6,880 |
| Memoranda: | ||
| Average total assets | $876,547,800 | 771 |
| Average earning assets | $796,314,000 | 772 |
| Average equity | $120,059,800 | 567 |
| Average total loans | $711,066,200 | 670 |