Home > The PrivateBank, N.A. > Performance and Condition Ratios
The PrivateBank, N.A., Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 7,319 |
| Cost of funding earning assets | 0.7789% | 6,823 |
| Net interest margin | 3.1577% | 6,460 |
| Noninterest income to average assets | 0.1637% | 6,696 |
| Noninterest expense to average assets | 2.0665% | 6,924 |
| Loan and lease loss provision to assets | 1.1543% | 1,255 |
| Net operating income to assets | -0.0231% | 6,042 |
| Return on assets (ROA) | -0.0231% | 6,165 |
| Pretax return on assets | -0.0056% | 6,097 |
| Return on Equity (ROE) | -0.2571% | 6,177 |
| Retained earnings to average equity (ytd only) | -0.2571% | 5,847 |
| Net charge-offs to loans | 0.4707% | 3,394 |
| Credit loss provision to net charge-offs | 378.4404% | 825 |
| Earnings coverage of net charge-offs (x) | 3.7660% | 3,303 |
| Efficiency ratio | 64.2733% | 5,195 |
| Assets per employee ($millions) | 11.5192% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0824% | 2,041 |
| Loan loss allowance to noncurrent loans | 219.0682% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 1.1850% | 4,767 |
| Noncurrent loans to loans | 0.9506% | 5,332 |
| Net loans and leases to total assets | 64.7772% | 3,958 |
| Net loans and leases to deposits | 72.1702% | 4,819 |
| Net loans and leases to core deposits | 89.7014% | 3,141 |
| Total domestic deposits to total assets | 89.7562% | 994 |
| Equity capital to assets | 9.3453% | 5,056 |
| Core capital (leverage) ratio | 9.1348% | 4,475 |
| Tier 1 risk-based capital ratio | 12.4972% | 4,984 |
| Total risk-based capital ratio | 13.7546% | 4,953 |
| Memoranda: | ||
| Average total assets | $190,595,000 | 3,266 |
| Average earning assets | $184,178,250 | 3,120 |
| Average equity | $17,111,250 | 3,620 |
| Average total loans | $123,504,500 | 3,292 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9205% | 7,411 |
| Cost of funding earning assets | 0.7983% | 6,919 |
| Net interest margin | 3.1223% | 6,547 |
| Noninterest income to average assets | 0.1702% | 6,687 |
| Noninterest expense to average assets | 2.1132% | 6,859 |
| Loan and lease loss provision to assets | 1.0732% | 1,347 |
| Net operating income to assets | -0.0125% | 6,096 |
| Return on assets (ROA) | -0.0125% | 6,195 |
| Pretax return on assets | 0.0042% | 6,147 |
| Return on Equity (ROE) | -0.1406% | 6,202 |
| Retained earnings to average equity (ytd only) | -0.1406% | 5,762 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2329% | 4,941 |
| Assets per employee ($millions) | 11.9369% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8613% | 2,536 |
| Loan loss allowance to noncurrent loans | 203.5375% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.6068% | 5,973 |
| Noncurrent loans to loans | 0.9145% | 5,449 |
| Net loans and leases to total assets | 65.1249% | 4,014 |
| Net loans and leases to deposits | 72.0566% | 4,985 |
| Net loans and leases to core deposits | 93.2958% | 2,814 |
| Total domestic deposits to total assets | 90.3801% | 728 |
| Equity capital to assets | 9.0293% | 5,401 |
| Core capital (leverage) ratio | 8.8828% | 4,783 |
| Tier 1 risk-based capital ratio | 12.0137% | 5,296 |
| Total risk-based capital ratio | 13.2691% | 5,259 |
| Memoranda: | ||
| Average total assets | $192,691,000 | 3,265 |
| Average earning assets | $186,403,670 | 3,112 |
| Average equity | $17,073,670 | 3,624 |
| Average total loans | $124,030,000 | 3,318 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8282% | 7,573 |
| Cost of funding earning assets | 0.8024% | 7,079 |
| Net interest margin | 3.0258% | 6,775 |
| Noninterest income to average assets | 0.1653% | 6,783 |
| Noninterest expense to average assets | 2.2362% | 6,590 |
| Loan and lease loss provision to assets | 2.6372% | 390 |
| Net operating income to assets | -1.1119% | 7,173 |
| Return on assets (ROA) | -1.1119% | 7,188 |
| Pretax return on assets | -1.7857% | 7,340 |
| Return on Equity (ROE) | -12.6678% | 7,246 |
| Retained earnings to average equity (ytd only) | -12.6678% | 7,109 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4230% | 3,856 |
| Assets per employee ($millions) | 10.4042% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1143% | 1,930 |
| Loan loss allowance to noncurrent loans | 224.4176% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6189% | 5,970 |
| Noncurrent loans to loans | 0.9421% | 5,445 |
| Net loans and leases to total assets | 64.3017% | 4,261 |
| Net loans and leases to deposits | 74.1700% | 4,713 |
| Net loans and leases to core deposits | 93.6720% | 2,882 |
| Total domestic deposits to total assets | 86.6950% | 2,787 |
| Equity capital to assets | 8.9275% | 5,383 |
| Core capital (leverage) ratio | 8.6504% | 5,113 |
| Tier 1 risk-based capital ratio | 11.9552% | 5,244 |
| Total risk-based capital ratio | 13.2130% | 5,195 |
| Memoranda: | ||
| Average total assets | $193,541,500 | 3,312 |
| Average earning assets | $186,928,500 | 3,165 |
| Average equity | $16,988,000 | 3,657 |
| Average total loans | $122,674,500 | 3,414 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5486% | 7,822 |
| Cost of funding earning assets | 1.1090% | 6,946 |
| Net interest margin | 2.4396% | 7,481 |
| Noninterest income to average assets | 0.1604% | 6,927 |
| Noninterest expense to average assets | 1.8886% | 7,522 |
| Loan and lease loss provision to assets | -0.0358% | 7,969 |
| Net operating income to assets | 0.3693% | 4,253 |
| Return on assets (ROA) | 0.3693% | 4,353 |
| Pretax return on assets | 0.6761% | 3,662 |
| Return on Equity (ROE) | 4.3041% | 3,959 |
| Retained earnings to average equity (ytd only) | 4.3041% | 2,212 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6796% | 3,764 |
| Assets per employee ($millions) | 11.1004% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 5,978 |
| Loan loss allowance to noncurrent loans | 114.3227% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.5801% | 6,008 |
| Noncurrent loans to loans | 0.9475% | 5,415 |
| Net loans and leases to total assets | 60.5591% | 5,252 |
| Net loans and leases to deposits | 66.5596% | 5,993 |
| Net loans and leases to core deposits | 99.3367% | 4,070 |
| Total domestic deposits to total assets | 90.9848% | 541 |
| Equity capital to assets | 8.6368% | 5,683 |
| Core capital (leverage) ratio | 8.4255% | 5,400 |
| Tier 1 risk-based capital ratio | 10.3157% | 6,573 |
| Total risk-based capital ratio | 11.1203% | 6,949 |
| Memoranda: | ||
| Average total assets | $178,970,200 | 3,456 |
| Average earning assets | $173,757,400 | 3,293 |
| Average equity | $15,357,400 | 4,001 |
| Average total loans | $117,068,800 | 3,549 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4039% | 7,946 |
| Cost of funding earning assets | 1.1677% | 6,980 |
| Net interest margin | 2.2361% | 7,695 |
| Noninterest income to average assets | 0.1857% | 6,890 |
| Noninterest expense to average assets | 2.2866% | 6,740 |
| Loan and lease loss provision to assets | -0.0813% | 8,064 |
| Net operating income to assets | 0.0361% | 5,637 |
| Return on assets (ROA) | 0.0361% | 5,681 |
| Pretax return on assets | 0.1565% | 5,392 |
| Return on Equity (ROE) | 0.4211% | 5,659 |
| Retained earnings to average equity (ytd only) | 0.4211% | 5,025 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8161% | 1,224 |
| Assets per employee ($millions) | 11.2909% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 6,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 59.9025% | 5,597 |
| Net loans and leases to deposits | 65.8432% | 6,325 |
| Net loans and leases to core deposits | 97.6186% | 4,647 |
| Total domestic deposits to total assets | 90.9775% | 433 |
| Equity capital to assets | 8.1890% | 6,652 |
| Core capital (leverage) ratio | 8.8774% | 4,848 |
| Tier 1 risk-based capital ratio | 10.2667% | 6,716 |
| Total risk-based capital ratio | 11.0624% | 7,094 |
| Memoranda: | ||
| Average total assets | $173,760,750 | 3,555 |
| Average earning assets | $169,096,750 | 3,382 |
| Average equity | $14,882,500 | 4,118 |
| Average total loans | $115,754,250 | 3,601 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2717% | 8,054 |
| Cost of funding earning assets | 1.2545% | 6,944 |
| Net interest margin | 2.0172% | 7,856 |
| Noninterest income to average assets | 0.2367% | 6,587 |
| Noninterest expense to average assets | 2.5852% | 5,799 |
| Loan and lease loss provision to assets | -0.1110% | 8,164 |
| Net operating income to assets | -0.2586% | 6,273 |
| Return on assets (ROA) | -0.2586% | 6,286 |
| Pretax return on assets | -0.2757% | 6,212 |
| Return on Equity (ROE) | -2.9659% | 6,359 |
| Retained earnings to average equity (ytd only) | -2.9659% | 5,968 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.5916% | 715 |
| Assets per employee ($millions) | 9.4563% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 5,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 68.6383% | 4,038 |
| Net loans and leases to deposits | 75.8275% | 5,196 |
| Net loans and leases to core deposits | 114.5929% | 2,842 |
| Total domestic deposits to total assets | 90.5190% | 622 |
| Equity capital to assets | 8.7443% | 5,694 |
| Core capital (leverage) ratio | 8.9106% | 4,768 |
| Tier 1 risk-based capital ratio | 10.7787% | 6,111 |
| Total risk-based capital ratio | 11.7187% | 6,351 |
| Memoranda: | ||
| Average total assets | $163,935,330 | 3,742 |
| Average earning assets | $159,427,330 | 3,567 |
| Average equity | $14,295,670 | 4,244 |
| Average total loans | $113,330,000 | 3,692 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2838% | 8,119 |
| Cost of funding earning assets | 1.3217% | 6,955 |
| Net interest margin | 1.9621% | 7,911 |
| Noninterest income to average assets | 0.8756% | 1,956 |
| Noninterest expense to average assets | 2.7787% | 4,659 |
| Loan and lease loss provision to assets | -0.2712% | 8,219 |
| Net operating income to assets | 0.1517% | 5,813 |
| Return on assets (ROA) | 0.1517% | 5,982 |
| Pretax return on assets | 0.2811% | 5,727 |
| Return on Equity (ROE) | 1.7427% | 5,862 |
| Retained earnings to average equity (ytd only) | 1.7427% | 4,881 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6432% | 1,145 |
| Assets per employee ($millions) | 9.4278% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 5,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 64.6626% | 4,866 |
| Net loans and leases to deposits | 70.9218% | 5,880 |
| Net loans and leases to core deposits | 120.5725% | 2,365 |
| Total domestic deposits to total assets | 91.1745% | 360 |
| Equity capital to assets | 8.3423% | 6,324 |
| Core capital (leverage) ratio | 8.7592% | 5,049 |
| Tier 1 risk-based capital ratio | 10.8369% | 6,056 |
| Total risk-based capital ratio | 11.8167% | 6,240 |
| Memoranda: | ||
| Average total assets | $160,796,000 | 3,820 |
| Average earning assets | $156,770,500 | 3,634 |
| Average equity | $14,001,500 | 4,333 |
| Average total loans | $110,930,000 | 3,769 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3822% | 7,485 |
| Cost of funding earning assets | 1.9662% | 6,518 |
| Net interest margin | 3.4160% | 5,592 |
| Noninterest income to average assets | 0.1659% | 7,236 |
| Noninterest expense to average assets | 2.3611% | 6,530 |
| Loan and lease loss provision to assets | 0.2727% | 4,213 |
| Net operating income to assets | 0.4693% | 4,872 |
| Return on assets (ROA) | 0.4693% | 4,694 |
| Pretax return on assets | 0.8075% | 4,039 |
| Return on Equity (ROE) | 4.2646% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.2646% | 2,471 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6104% | 4,609 |
| Assets per employee ($millions) | 12.6576% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 4,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 72.0629% | 3,569 |
| Net loans and leases to deposits | 79.6323% | 5,109 |
| Net loans and leases to core deposits | 99.4512% | 4,877 |
| Total domestic deposits to total assets | 90.4945% | 491 |
| Equity capital to assets | 9.1157% | 5,200 |
| Core capital (leverage) ratio | 9.7976% | 3,646 |
| Tier 1 risk-based capital ratio | 12.3676% | 4,531 |
| Total risk-based capital ratio | 13.6092% | 4,436 |
| Memoranda: | ||
| Average total assets | $123,584,800 | 4,430 |
| Average earning assets | $118,502,000 | 4,299 |
| Average equity | $13,600,400 | 4,424 |
| Average total loans | $107,266,000 | 3,758 |