Home > Blue Gate Bank > Performance and Condition Ratios
Blue Gate Bank, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2782% | 5,159 |
| Cost of funding earning assets | 0.7445% | 1,400 |
| Net interest margin | 2.5337% | 5,323 |
| Noninterest income to average assets | 0.0434% | 5,419 |
| Noninterest expense to average assets | 5.4693% | 168 |
| Loan and lease loss provision to assets | 0.3999% | 309 |
| Net operating income to assets | -3.3247% | 5,523 |
| Return on assets (ROA) | -3.3247% | 5,520 |
| Pretax return on assets | -3.3232% | 5,519 |
| Return on Equity (ROE) | -18.8098% | 5,507 |
| Retained earnings to average equity (ytd only) | -18.8098% | 5,490 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 214.8235% | 9 |
| Assets per employee ($millions) | 11.0765% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 63.7552% | 3,428 |
| Net loans and leases to deposits | 78.6641% | 3,091 |
| Net loans and leases to core deposits | 80.6889% | 3,356 |
| Total domestic deposits to total assets | 81.0474% | 3,984 |
| Equity capital to assets | 18.5578% | 285 |
| Core capital (leverage) ratio | 17.9947% | 314 |
| Tier 1 risk-based capital ratio | 29.3687% | 498 |
| Total risk-based capital ratio | 30.6196% | 494 |
| Memoranda: | ||
| Average total assets | $133,544,670 | 3,651 |
| Average earning assets | $131,902,670 | 3,530 |
| Average equity | $23,604,670 | 2,785 |
| Average total loans | $81,781,670 | 3,678 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3320% | 5,093 |
| Cost of funding earning assets | 0.7372% | 1,254 |
| Net interest margin | 2.5948% | 5,328 |
| Noninterest income to average assets | 0.0344% | 5,509 |
| Noninterest expense to average assets | 5.6185% | 161 |
| Loan and lease loss provision to assets | 0.9297% | 97 |
| Net operating income to assets | -3.9484% | 5,589 |
| Return on assets (ROA) | -3.9484% | 5,587 |
| Pretax return on assets | -3.9484% | 5,587 |
| Return on Equity (ROE) | -22.8368% | 5,577 |
| Retained earnings to average equity (ytd only) | -22.8368% | 5,525 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 216.1148% | 12 |
| Assets per employee ($millions) | 5.1974% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 3,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 70.5786% | 2,384 |
| Net loans and leases to deposits | 86.8322% | 2,068 |
| Net loans and leases to core deposits | 88.9108% | 2,551 |
| Total domestic deposits to total assets | 81.2816% | 4,137 |
| Equity capital to assets | 18.0420% | 310 |
| Core capital (leverage) ratio | 17.0420% | 379 |
| Tier 1 risk-based capital ratio | 28.9452% | 516 |
| Total risk-based capital ratio | 30.1959% | 515 |
| Memoranda: | ||
| Average total assets | $139,396,500 | 3,619 |
| Average earning assets | $137,816,000 | 3,480 |
| Average equity | $24,101,500 | 2,763 |
| Average total loans | $83,341,000 | 3,681 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0914% | 5,604 |
| Cost of funding earning assets | 0.7372% | 860 |
| Net interest margin | 1.3541% | 5,625 |
| Noninterest income to average assets | 0.0198% | 5,584 |
| Noninterest expense to average assets | 5.4163% | 172 |
| Loan and lease loss provision to assets | 0.7078% | 173 |
| Net operating income to assets | -4.7708% | 5,658 |
| Return on assets (ROA) | -4.7708% | 5,658 |
| Pretax return on assets | -4.7698% | 5,659 |
| Return on Equity (ROE) | -18.5332% | 5,635 |
| Retained earnings to average equity (ytd only) | -18.5332% | 5,609 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 399.9270% | 4 |
| Assets per employee ($millions) | 5.9543% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 4,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 49.1875% | 4,693 |
| Net loans and leases to deposits | 59.2737% | 4,615 |
| Net loans and leases to core deposits | 60.3535% | 4,739 |
| Total domestic deposits to total assets | 82.9837% | 3,568 |
| Equity capital to assets | 16.6334% | 437 |
| Core capital (leverage) ratio | 21.2942% | 164 |
| Tier 1 risk-based capital ratio | 37.7272% | 258 |
| Total risk-based capital ratio | 38.8182% | 254 |
| Memoranda: | ||
| Average total assets | $101,157,500 | 4,216 |
| Average earning assets | $99,695,750 | 4,103 |
| Average equity | $26,039,750 | 2,603 |
| Average total loans | $46,621,500 | 4,546 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8316% | 5,687 |
| Cost of funding earning assets | 0.7272% | 856 |
| Net interest margin | 1.1044% | 5,715 |
| Noninterest income to average assets | 0.0203% | 5,652 |
| Noninterest expense to average assets | 5.9848% | 152 |
| Loan and lease loss provision to assets | 0.9446% | 109 |
| Net operating income to assets | -5.8253% | 5,728 |
| Return on assets (ROA) | -5.8253% | 5,728 |
| Pretax return on assets | -5.8238% | 5,729 |
| Return on Equity (ROE) | -18.7655% | 5,706 |
| Retained earnings to average equity (ytd only) | -18.7655% | 5,674 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 541.3013% | 4 |
| Assets per employee ($millions) | 6.8378% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 4,309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 54.0136% | 4,414 |
| Net loans and leases to deposits | 69.7525% | 3,982 |
| Net loans and leases to core deposits | 70.4214% | 4,219 |
| Total domestic deposits to total assets | 77.4361% | 4,813 |
| Equity capital to assets | 22.1966% | 152 |
| Core capital (leverage) ratio | 23.4957% | 118 |
| Tier 1 risk-based capital ratio | 44.2482% | 175 |
| Total risk-based capital ratio | 45.2840% | 171 |
| Memoranda: | ||
| Average total assets | $85,257,670 | 4,543 |
| Average earning assets | $83,787,330 | 4,446 |
| Average equity | $26,466,330 | 2,603 |
| Average total loans | $37,517,000 | 4,855 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2767% | 5,763 |
| Cost of funding earning assets | 0.4579% | 2,525 |
| Net interest margin | 0.8188% | 5,776 |
| Noninterest income to average assets | 0.0258% | 5,693 |
| Noninterest expense to average assets | 7.6199% | 105 |
| Loan and lease loss provision to assets | 1.4649% | 66 |
| Net operating income to assets | -8.2620% | 5,781 |
| Return on assets (ROA) | -8.2620% | 5,781 |
| Pretax return on assets | -8.2592% | 5,781 |
| Return on Equity (ROE) | -21.5087% | 5,759 |
| Retained earnings to average equity (ytd only) | -21.5087% | 5,726 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 922.9167% | 1 |
| Assets per employee ($millions) | 5.4693% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 2,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 43.4210% | 5,072 |
| Net loans and leases to deposits | 61.1419% | 4,555 |
| Net loans and leases to core deposits | 61.1419% | 4,762 |
| Total domestic deposits to total assets | 71.0168% | 5,505 |
| Equity capital to assets | 28.5885% | 63 |
| Core capital (leverage) ratio | 39.4014% | 43 |
| Tier 1 risk-based capital ratio | 71.5659% | 59 |
| Total risk-based capital ratio | 72.8178% | 59 |
| Memoranda: | ||
| Average total assets | $69,765,000 | 4,867 |
| Average earning assets | $68,144,500 | 4,784 |
| Average equity | $26,798,500 | 2,576 |
| Average total loans | $24,580,000 | 5,263 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5751% | 5,852 |
| Cost of funding earning assets | 0.1977% | 4,998 |
| Net interest margin | 0.3774% | 5,850 |
| Noninterest income to average assets | 0.0172% | 5,782 |
| Noninterest expense to average assets | 11.2305% | 58 |
| Loan and lease loss provision to assets | 0.8850% | 101 |
| Net operating income to assets | -11.7460% | 5,854 |
| Return on assets (ROA) | -11.7460% | 5,854 |
| Pretax return on assets | -11.7374% | 5,854 |
| Return on Equity (ROE) | -20.2399% | 5,820 |
| Retained earnings to average equity (ytd only) | -20.2399% | 5,729 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,970.4545% | 1 |
| Assets per employee ($millions) | 2.3276% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 17.5589% | 5,764 |
| Net loans and leases to deposits | 48.3583% | 5,203 |
| Net loans and leases to core deposits | 48.3583% | 5,285 |
| Total domestic deposits to total assets | 36.3099% | 5,814 |
| Equity capital to assets | 58.0340% | 39 |
| Core capital (leverage) ratio | 90.0297% | 17 |
| Tier 1 risk-based capital ratio | 264.8206% | 20 |
| Total risk-based capital ratio | 265.8302% | 20 |
| Memoranda: | ||
| Average total assets | $46,552,000 | 5,379 |
| Average earning assets | $44,512,000 | 5,333 |
| Average equity | $27,016,000 | 2,574 |
| Average total loans | $8,277,000 | 5,747 |