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Beach First National Bank, Performance and Condition Ratios
| 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 | 3.8361% | 7,565 |
| Cost of funding earning assets | 1.9641% | 1,202 |
| Net interest margin | 1.8720% | 7,762 |
| Noninterest income to average assets | 0.3147% | 5,636 |
| Noninterest expense to average assets | 3.5290% | 1,911 |
| Loan and lease loss provision to assets | 10.3339% | 24 |
| Net operating income to assets | -11.7901% | 7,912 |
| Return on assets (ROA) | -11.6820% | 7,912 |
| Pretax return on assets | -11.6813% | 7,908 |
| Return on Equity (ROE) | -416.9196% | 7,913 |
| Retained earnings to average equity (ytd only) | -416.9196% | 7,913 |
| Net charge-offs to loans | 10.8163% | 42 |
| Credit loss provision to net charge-offs | 116.4197% | 2,996 |
| Earnings coverage of net charge-offs (x) | -0.1640% | 5,141 |
| Efficiency ratio | 170.1942% | 147 |
| Assets per employee ($millions) | 6.4838% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0523% | 359 |
| Loan loss allowance to noncurrent loans | 16.2936% | 7,170 |
| Noncurrent assets plus other real estate owned to assets | 21.5434% | 44 |
| Noncurrent loans to loans | 24.8704% | 37 |
| Net loans and leases to total assets | 77.3702% | 1,273 |
| Net loans and leases to deposits | 87.5973% | 2,298 |
| Net loans and leases to core deposits | 96.9066% | 2,471 |
| Total domestic deposits to total assets | 88.3249% | 1,891 |
| Equity capital to assets | 1.3667% | 7,900 |
| Core capital (leverage) ratio | 1.3182% | 7,901 |
| Tier 1 risk-based capital ratio | 1.7922% | 7,902 |
| Total risk-based capital ratio | 3.0812% | 7,902 |
| Memoranda: | ||
| Average total assets | $596,095,500 | 1,162 |
| Average earning assets | $560,049,500 | 1,116 |
| Average equity | $16,702,500 | 3,717 |
| Average total loans | $489,189,500 | 957 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1126% | 6,034 |
| Cost of funding earning assets | 2.7035% | 588 |
| Net interest margin | 2.4091% | 7,503 |
| Noninterest income to average assets | 1.2252% | 1,014 |
| Noninterest expense to average assets | 3.6636% | 1,995 |
| Loan and lease loss provision to assets | 5.0573% | 183 |
| Net operating income to assets | -4.5222% | 7,683 |
| Return on assets (ROA) | -4.4557% | 7,673 |
| Pretax return on assets | -5.1488% | 7,724 |
| Return on Equity (ROE) | -70.4742% | 7,812 |
| Retained earnings to average equity (ytd only) | -70.4742% | 7,810 |
| Net charge-offs to loans | 4.5978% | 309 |
| Credit loss provision to net charge-offs | 133.8127% | 3,726 |
| Earnings coverage of net charge-offs (x) | -0.0444% | 6,267 |
| Efficiency ratio | 104.8022% | 931 |
| Assets per employee ($millions) | 4.5967% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4039% | 573 |
| Loan loss allowance to noncurrent loans | 27.5425% | 6,630 |
| Noncurrent assets plus other real estate owned to assets | 11.8992% | 257 |
| Noncurrent loans to loans | 12.3588% | 265 |
| Net loans and leases to total assets | 80.6235% | 890 |
| Net loans and leases to deposits | 94.0821% | 1,583 |
| Net loans and leases to core deposits | 152.9183% | 443 |
| Total domestic deposits to total assets | 85.6948% | 3,167 |
| Equity capital to assets | 4.2083% | 7,845 |
| Core capital (leverage) ratio | 4.0469% | 7,845 |
| Tier 1 risk-based capital ratio | 5.4319% | 7,848 |
| Total risk-based capital ratio | 6.7119% | 7,852 |
| Memoranda: | ||
| Average total assets | $662,409,400 | 1,047 |
| Average earning assets | $624,300,200 | 1,001 |
| Average equity | $41,880,600 | 1,593 |
| Average total loans | $544,497,800 | 876 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1620% | 6,054 |
| Cost of funding earning assets | 2.8324% | 553 |
| Net interest margin | 2.3297% | 7,620 |
| Noninterest income to average assets | 1.2960% | 923 |
| Noninterest expense to average assets | 3.4697% | 2,356 |
| Loan and lease loss provision to assets | 4.6643% | 203 |
| Net operating income to assets | -4.6499% | 7,808 |
| Return on assets (ROA) | -4.6186% | 7,808 |
| Pretax return on assets | -4.6051% | 7,767 |
| Return on Equity (ROE) | -67.9986% | 7,924 |
| Retained earnings to average equity (ytd only) | -67.9986% | 7,921 |
| Net charge-offs to loans | 4.1704% | 322 |
| Credit loss provision to net charge-offs | 136.5286% | 3,631 |
| Earnings coverage of net charge-offs (x) | 0.0082% | 6,053 |
| Efficiency ratio | 99.2010% | 1,099 |
| Assets per employee ($millions) | 4.7502% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8448% | 755 |
| Loan loss allowance to noncurrent loans | 26.1355% | 6,715 |
| Noncurrent assets plus other real estate owned to assets | 10.3572% | 318 |
| Noncurrent loans to loans | 10.8849% | 337 |
| Net loans and leases to total assets | 79.2119% | 1,344 |
| Net loans and leases to deposits | 92.8152% | 2,095 |
| Net loans and leases to core deposits | 139.1639% | 957 |
| Total domestic deposits to total assets | 85.3437% | 3,054 |
| Equity capital to assets | 4.9750% | 7,952 |
| Core capital (leverage) ratio | 4.6910% | 7,945 |
| Tier 1 risk-based capital ratio | 6.5251% | 7,930 |
| Total risk-based capital ratio | 7.7983% | 7,931 |
| Memoranda: | ||
| Average total assets | $677,470,000 | 1,022 |
| Average earning assets | $640,246,500 | 989 |
| Average equity | $46,015,500 | 1,485 |
| Average total loans | $554,973,250 | 879 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1907% | 6,111 |
| Cost of funding earning assets | 2.9540% | 531 |
| Net interest margin | 2.2367% | 7,727 |
| Noninterest income to average assets | 1.3295% | 871 |
| Noninterest expense to average assets | 3.4909% | 2,363 |
| Loan and lease loss provision to assets | 4.3317% | 273 |
| Net operating income to assets | -2.8423% | 7,639 |
| Return on assets (ROA) | -2.7845% | 7,620 |
| Pretax return on assets | -4.2866% | 7,777 |
| Return on Equity (ROE) | -37.8273% | 7,822 |
| Retained earnings to average equity (ytd only) | -37.8273% | 7,805 |
| Net charge-offs to loans | 3.7240% | 397 |
| Credit loss provision to net charge-offs | 141.7832% | 3,285 |
| Earnings coverage of net charge-offs (x) | -0.0144% | 5,707 |
| Efficiency ratio | 101.2735% | 1,115 |
| Assets per employee ($millions) | 4.5579% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3324% | 1,065 |
| Loan loss allowance to noncurrent loans | 29.5455% | 6,523 |
| Noncurrent assets plus other real estate owned to assets | 7.1346% | 581 |
| Noncurrent loans to loans | 7.8943% | 562 |
| Net loans and leases to total assets | 79.3007% | 1,457 |
| Net loans and leases to deposits | 94.6416% | 1,998 |
| Net loans and leases to core deposits | 141.1371% | 966 |
| Total domestic deposits to total assets | 83.7905% | 3,878 |
| Equity capital to assets | 6.6165% | 7,781 |
| Core capital (leverage) ratio | 6.0773% | 7,905 |
| Tier 1 risk-based capital ratio | 8.2871% | 7,883 |
| Total risk-based capital ratio | 9.5532% | 7,907 |
| Memoranda: | ||
| Average total assets | $687,952,000 | 1,026 |
| Average earning assets | $651,315,670 | 980 |
| Average equity | $50,640,670 | 1,355 |
| Average total loans | $564,393,670 | 886 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2619% | 6,062 |
| Cost of funding earning assets | 3.0127% | 585 |
| Net interest margin | 2.2491% | 7,761 |
| Noninterest income to average assets | 1.3358% | 801 |
| Noninterest expense to average assets | 2.8904% | 4,187 |
| Loan and lease loss provision to assets | 4.9433% | 164 |
| Net operating income to assets | -2.8305% | 7,818 |
| Return on assets (ROA) | -2.8113% | 7,821 |
| Pretax return on assets | -4.3303% | 7,939 |
| Return on Equity (ROE) | -36.3513% | 7,956 |
| Retained earnings to average equity (ytd only) | -36.3513% | 7,928 |
| Net charge-offs to loans | 5.2428% | 196 |
| Credit loss provision to net charge-offs | 114.3395% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.1349% | 4,866 |
| Efficiency ratio | 83.2078% | 2,388 |
| Assets per employee ($millions) | 5.0543% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 2,191 |
| Loan loss allowance to noncurrent loans | 31.5360% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 4.8445% | 956 |
| Noncurrent loans to loans | 5.3450% | 989 |
| Net loans and leases to total assets | 78.9010% | 1,604 |
| Net loans and leases to deposits | 94.4603% | 2,201 |
| Net loans and leases to core deposits | 140.2037% | 1,091 |
| Total domestic deposits to total assets | 83.5281% | 3,910 |
| Equity capital to assets | 7.0836% | 7,635 |
| Core capital (leverage) ratio | 7.3448% | 7,326 |
| Tier 1 risk-based capital ratio | 9.5540% | 7,384 |
| Total risk-based capital ratio | 10.8114% | 7,317 |
| Memoranda: | ||
| Average total assets | $687,803,000 | 1,027 |
| Average earning assets | $653,759,000 | 985 |
| Average equity | $53,192,000 | 1,274 |
| Average total loans | $567,180,000 | 878 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7765% | 1,764 |
| Cost of funding earning assets | 3.4842% | 544 |
| Net interest margin | 3.2924% | 6,066 |
| Noninterest income to average assets | 0.7796% | 2,621 |
| Noninterest expense to average assets | 3.0478% | 3,904 |
| Loan and lease loss provision to assets | 1.6391% | 793 |
| Net operating income to assets | -0.4509% | 6,881 |
| Return on assets (ROA) | -0.4486% | 6,753 |
| Pretax return on assets | -0.7659% | 6,863 |
| Return on Equity (ROE) | -5.2279% | 6,887 |
| Retained earnings to average equity (ytd only) | -5.2279% | 6,546 |
| Net charge-offs to loans | 1.6112% | 705 |
| Credit loss provision to net charge-offs | 119.4331% | 4,508 |
| Earnings coverage of net charge-offs (x) | 0.6337% | 5,843 |
| Efficiency ratio | 77.8008% | 2,949 |
| Assets per employee ($millions) | 4.1639% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 2,462 |
| Loan loss allowance to noncurrent loans | 43.2583% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 3.4980% | 1,272 |
| Noncurrent loans to loans | 3.5783% | 1,410 |
| Net loans and leases to total assets | 83.5585% | 956 |
| Net loans and leases to deposits | 102.8229% | 1,491 |
| Net loans and leases to core deposits | 143.6016% | 1,108 |
| Total domestic deposits to total assets | 81.2645% | 4,528 |
| Equity capital to assets | 8.4427% | 6,181 |
| Core capital (leverage) ratio | 8.3792% | 5,804 |
| Tier 1 risk-based capital ratio | 10.6001% | 6,101 |
| Total risk-based capital ratio | 11.8553% | 5,995 |
| Memoranda: | ||
| Average total assets | $640,035,000 | 1,046 |
| Average earning assets | $609,989,400 | 996 |
| Average equity | $54,916,600 | 1,227 |
| Average total loans | $545,180,800 | 873 |