Home > The PrivateBank > Performance and Condition Ratios
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 | 4.6079% | 7,615 |
| Cost of funding earning assets | 2.1023% | 3,637 |
| Net interest margin | 2.5056% | 7,495 |
| Noninterest income to average assets | 0.0880% | 7,615 |
| Noninterest expense to average assets | 2.6461% | 5,236 |
| Loan and lease loss provision to assets | -0.8086% | 8,234 |
| Net operating income to assets | 0.3708% | 4,974 |
| Return on assets (ROA) | 1.1029% | 2,079 |
| Pretax return on assets | 1.7616% | 1,058 |
| Return on Equity (ROE) | 10.0406% | 2,301 |
| Retained earnings to average equity (ytd only) | 10.0406% | 1,183 |
| Net charge-offs to loans | -0.7935% | 8,145 |
| Credit loss provision to net charge-offs | 140.7018% | 2,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2560% | 944 |
| Assets per employee ($millions) | 7.6430% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7069% | 2,121 |
| Loan loss allowance to noncurrent loans | 40.0581% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 4.5241% | 1,061 |
| Noncurrent loans to loans | 4.2611% | 1,381 |
| Net loans and leases to total assets | 67.9499% | 4,152 |
| Net loans and leases to deposits | 94.4514% | 2,202 |
| Net loans and leases to core deposits | 151.2647% | 668 |
| Total domestic deposits to total assets | 71.9416% | 7,211 |
| Equity capital to assets | 11.0669% | 2,908 |
| Core capital (leverage) ratio | 10.6806% | 2,757 |
| Tier 1 risk-based capital ratio | 14.7198% | 3,195 |
| Total risk-based capital ratio | 15.9743% | 3,125 |
| Memoranda: | ||
| Average total assets | $595,138,500 | 1,200 |
| Average earning assets | $562,252,500 | 1,158 |
| Average equity | $65,374,500 | 1,040 |
| Average total loans | $431,007,000 | 1,170 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6572% | 6,915 |
| Cost of funding earning assets | 2.9145% | 2,198 |
| Net interest margin | 2.7427% | 7,423 |
| Noninterest income to average assets | 0.0110% | 8,062 |
| Noninterest expense to average assets | 2.7517% | 5,040 |
| Loan and lease loss provision to assets | 3.7337% | 193 |
| Net operating income to assets | -2.3524% | 7,669 |
| Return on assets (ROA) | -2.0449% | 7,572 |
| Pretax return on assets | -3.3999% | 7,789 |
| Return on Equity (ROE) | -19.8938% | 7,755 |
| Retained earnings to average equity (ytd only) | -19.8938% | 7,677 |
| Net charge-offs to loans | 4.3823% | 136 |
| Credit loss provision to net charge-offs | 107.9466% | 4,977 |
| Earnings coverage of net charge-offs (x) | -0.0424% | 6,276 |
| Efficiency ratio | 105.3978% | 822 |
| Assets per employee ($millions) | 7.1400% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7427% | 1,791 |
| Loan loss allowance to noncurrent loans | 38.3356% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 4.4288% | 863 |
| Noncurrent loans to loans | 4.5458% | 1,045 |
| Net loans and leases to total assets | 74.6644% | 2,951 |
| Net loans and leases to deposits | 114.3555% | 597 |
| Net loans and leases to core deposits | 146.5299% | 993 |
| Total domestic deposits to total assets | 65.2915% | 7,700 |
| Equity capital to assets | 10.8957% | 3,121 |
| Core capital (leverage) ratio | 10.2944% | 3,177 |
| Tier 1 risk-based capital ratio | 13.3568% | 3,893 |
| Total risk-based capital ratio | 14.6130% | 3,802 |
| Memoranda: | ||
| Average total assets | $517,717,600 | 1,298 |
| Average earning assets | $489,663,000 | 1,256 |
| Average equity | $53,217,600 | 1,268 |
| Average total loans | $408,618,800 | 1,180 |