Home > The Bank of Miami > Performance and Condition Ratios
The Bank of Miami, 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 | 3.7099% | 7,444 |
| Cost of funding earning assets | 1.4008% | 3,579 |
| Net interest margin | 2.3091% | 7,481 |
| Noninterest income to average assets | 0.0548% | 7,249 |
| Noninterest expense to average assets | 4.8012% | 448 |
| Loan and lease loss provision to assets | 4.9430% | 91 |
| Net operating income to assets | -7.5375% | 7,724 |
| Return on assets (ROA) | -7.2178% | 7,720 |
| Pretax return on assets | -7.2178% | 7,716 |
| Return on Equity (ROE) | -178.2691% | 7,740 |
| Retained earnings to average equity (ytd only) | -178.2691% | 7,740 |
| Net charge-offs to loans | 7.0670% | 64 |
| Credit loss provision to net charge-offs | 96.7140% | 4,484 |
| Earnings coverage of net charge-offs (x) | -0.5076% | 6,324 |
| Efficiency ratio | 217.5700% | 67 |
| Assets per employee ($millions) | 4.4371% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4301% | 135 |
| Loan loss allowance to noncurrent loans | 25.4249% | 6,615 |
| Noncurrent assets plus other real estate owned to assets | 17.4279% | 99 |
| Noncurrent loans to loans | 21.3574% | 60 |
| Net loans and leases to total assets | 68.8863% | 3,015 |
| Net loans and leases to deposits | 82.4958% | 3,014 |
| Net loans and leases to core deposits | 169.3792% | 124 |
| Total domestic deposits to total assets | 83.1458% | 4,529 |
| Equity capital to assets | -0.1729% | 7,754 |
| Core capital (leverage) ratio | 1.7235% | 7,724 |
| Tier 1 risk-based capital ratio | 2.3147% | 7,726 |
| Total risk-based capital ratio | 3.6128% | 7,726 |
| Memoranda: | ||
| Average total assets | $493,804,250 | 1,376 |
| Average earning assets | $460,196,750 | 1,342 |
| Average equity | $19,993,250 | 3,193 |
| Average total loans | $357,125,000 | 1,268 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6669% | 7,545 |
| Cost of funding earning assets | 1.3941% | 3,909 |
| Net interest margin | 2.2728% | 7,545 |
| Noninterest income to average assets | 0.2684% | 6,004 |
| Noninterest expense to average assets | 4.5841% | 523 |
| Loan and lease loss provision to assets | 4.4576% | 151 |
| Net operating income to assets | -6.6645% | 7,758 |
| Return on assets (ROA) | -6.1962% | 7,749 |
| Pretax return on assets | -6.1962% | 7,739 |
| Return on Equity (ROE) | -117.1794% | 7,754 |
| Retained earnings to average equity (ytd only) | -117.1794% | 7,754 |
| Net charge-offs to loans | 6.1804% | 124 |
| Credit loss provision to net charge-offs | 99.9383% | 4,119 |
| Earnings coverage of net charge-offs (x) | -0.4948% | 6,013 |
| Efficiency ratio | 192.8430% | 111 |
| Assets per employee ($millions) | 4.8025% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1897% | 152 |
| Loan loss allowance to noncurrent loans | 26.3252% | 6,590 |
| Noncurrent assets plus other real estate owned to assets | 16.9426% | 95 |
| Noncurrent loans to loans | 19.7139% | 92 |
| Net loans and leases to total assets | 68.4019% | 3,267 |
| Net loans and leases to deposits | 86.7724% | 2,382 |
| Net loans and leases to core deposits | 199.7848% | 94 |
| Total domestic deposits to total assets | 77.4614% | 6,403 |
| Equity capital to assets | 3.9322% | 7,700 |
| Core capital (leverage) ratio | 3.8811% | 7,689 |
| Tier 1 risk-based capital ratio | 5.1399% | 7,690 |
| Total risk-based capital ratio | 6.4360% | 7,690 |
| Memoranda: | ||
| Average total assets | $509,022,330 | 1,331 |
| Average earning assets | $472,274,670 | 1,316 |
| Average equity | $26,916,000 | 2,415 |
| Average total loans | $367,353,330 | 1,250 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8839% | 7,532 |
| Cost of funding earning assets | 1.4010% | 4,168 |
| Net interest margin | 2.4829% | 7,484 |
| Noninterest income to average assets | -0.1257% | 7,766 |
| Noninterest expense to average assets | 4.5391% | 556 |
| Loan and lease loss provision to assets | 2.5877% | 404 |
| Net operating income to assets | -4.9301% | 7,781 |
| Return on assets (ROA) | -4.3956% | 7,748 |
| Pretax return on assets | -4.3956% | 7,718 |
| Return on Equity (ROE) | -74.1502% | 7,778 |
| Retained earnings to average equity (ytd only) | -74.1502% | 7,773 |
| Net charge-offs to loans | 7.0110% | 138 |
| Credit loss provision to net charge-offs | 51.1355% | 4,465 |
| Earnings coverage of net charge-offs (x) | -0.4629% | 5,268 |
| Efficiency ratio | 206.6362% | 91 |
| Assets per employee ($millions) | 4.2533% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1582% | 326 |
| Loan loss allowance to noncurrent loans | 20.8441% | 6,964 |
| Noncurrent assets plus other real estate owned to assets | 18.0086% | 84 |
| Noncurrent loans to loans | 19.9491% | 79 |
| Net loans and leases to total assets | 70.7374% | 2,755 |
| Net loans and leases to deposits | 91.5589% | 1,674 |
| Net loans and leases to core deposits | 185.4683% | 117 |
| Total domestic deposits to total assets | 76.6002% | 6,640 |
| Equity capital to assets | 5.6565% | 7,662 |
| Core capital (leverage) ratio | 5.2794% | 7,678 |
| Tier 1 risk-based capital ratio | 7.0767% | 7,692 |
| Total risk-based capital ratio | 8.3596% | 7,694 |
| Memoranda: | ||
| Average total assets | $518,607,000 | 1,344 |
| Average earning assets | $485,076,500 | 1,315 |
| Average equity | $30,743,000 | 2,167 |
| Average total loans | $374,325,000 | 1,269 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4962% | 7,386 |
| Cost of funding earning assets | 2.0800% | 2,568 |
| Net interest margin | 2.4163% | 7,498 |
| Noninterest income to average assets | -0.2255% | 7,868 |
| Noninterest expense to average assets | 3.6321% | 2,072 |
| Loan and lease loss provision to assets | 3.7377% | 392 |
| Net operating income to assets | -5.7269% | 7,818 |
| Return on assets (ROA) | -7.3998% | 7,906 |
| Pretax return on assets | -7.2128% | 7,879 |
| Return on Equity (ROE) | -85.1341% | 7,887 |
| Retained earnings to average equity (ytd only) | -85.1341% | 7,883 |
| Net charge-offs to loans | 6.0235% | 171 |
| Credit loss provision to net charge-offs | 89.6874% | 6,008 |
| Earnings coverage of net charge-offs (x) | -0.4325% | 6,654 |
| Efficiency ratio | 198.4883% | 145 |
| Assets per employee ($millions) | 4.4945% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7719% | 199 |
| Loan loss allowance to noncurrent loans | 22.8237% | 6,925 |
| Noncurrent assets plus other real estate owned to assets | 17.8025% | 85 |
| Noncurrent loans to loans | 20.9075% | 63 |
| Net loans and leases to total assets | 67.3286% | 3,852 |
| Net loans and leases to deposits | 87.2620% | 2,688 |
| Net loans and leases to core deposits | 154.0635% | 427 |
| Total domestic deposits to total assets | 75.8328% | 6,709 |
| Equity capital to assets | 6.1743% | 7,639 |
| Core capital (leverage) ratio | 5.8877% | 7,657 |
| Tier 1 risk-based capital ratio | 8.1496% | 7,632 |
| Total risk-based capital ratio | 9.4400% | 7,636 |
| Memoranda: | ||
| Average total assets | $647,087,000 | 1,071 |
| Average earning assets | $550,438,800 | 1,146 |
| Average equity | $56,244,200 | 1,170 |
| Average total loans | $447,695,800 | 1,071 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6847% | 7,303 |
| Cost of funding earning assets | 2.2158% | 2,330 |
| Net interest margin | 2.4690% | 7,492 |
| Noninterest income to average assets | 0.0967% | 7,419 |
| Noninterest expense to average assets | 3.4086% | 2,551 |
| Loan and lease loss provision to assets | 2.0553% | 867 |
| Net operating income to assets | -5.2708% | 7,868 |
| Return on assets (ROA) | -6.9845% | 7,976 |
| Pretax return on assets | -5.0191% | 7,813 |
| Return on Equity (ROE) | -75.9138% | 7,947 |
| Retained earnings to average equity (ytd only) | -75.9138% | 7,946 |
| Net charge-offs to loans | 4.5917% | 271 |
| Credit loss provision to net charge-offs | 64.9856% | 6,081 |
| Earnings coverage of net charge-offs (x) | -0.3953% | 6,426 |
| Efficiency ratio | 157.9126% | 277 |
| Assets per employee ($millions) | 4.9859% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7240% | 355 |
| Loan loss allowance to noncurrent loans | 19.4720% | 7,117 |
| Noncurrent assets plus other real estate owned to assets | 15.7780% | 103 |
| Noncurrent loans to loans | 19.1247% | 73 |
| Net loans and leases to total assets | 66.0485% | 4,424 |
| Net loans and leases to deposits | 87.3303% | 3,084 |
| Net loans and leases to core deposits | 156.2588% | 456 |
| Total domestic deposits to total assets | 74.5703% | 6,853 |
| Equity capital to assets | 7.3692% | 7,387 |
| Core capital (leverage) ratio | 6.6712% | 7,602 |
| Tier 1 risk-based capital ratio | 9.1835% | 7,549 |
| Total risk-based capital ratio | 10.4592% | 7,534 |
| Memoranda: | ||
| Average total assets | $672,900,500 | 1,034 |
| Average earning assets | $561,952,000 | 1,132 |
| Average equity | $61,910,750 | 1,084 |
| Average total loans | $463,494,000 | 1,055 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8066% | 7,216 |
| Cost of funding earning assets | 2.3017% | 2,351 |
| Net interest margin | 2.5050% | 7,473 |
| Noninterest income to average assets | 0.5458% | 4,061 |
| Noninterest expense to average assets | 3.2913% | 2,992 |
| Loan and lease loss provision to assets | 1.1203% | 1,529 |
| Net operating income to assets | -1.6183% | 7,297 |
| Return on assets (ROA) | -1.6885% | 7,317 |
| Pretax return on assets | -1.9195% | 7,260 |
| Return on Equity (ROE) | -17.3446% | 7,434 |
| Retained earnings to average equity (ytd only) | -17.3446% | 7,365 |
| Net charge-offs to loans | 4.4265% | 296 |
| Credit loss provision to net charge-offs | 36.7016% | 5,950 |
| Earnings coverage of net charge-offs (x) | -0.2357% | 5,912 |
| Efficiency ratio | 127.9731% | 541 |
| Assets per employee ($millions) | 5.5868% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1881% | 489 |
| Loan loss allowance to noncurrent loans | 17.3877% | 7,260 |
| Noncurrent assets plus other real estate owned to assets | 15.0284% | 98 |
| Noncurrent loans to loans | 18.3353% | 71 |
| Net loans and leases to total assets | 63.7229% | 5,039 |
| Net loans and leases to deposits | 90.6871% | 2,720 |
| Net loans and leases to core deposits | 163.7634% | 389 |
| Total domestic deposits to total assets | 68.5787% | 7,580 |
| Equity capital to assets | 9.4343% | 4,696 |
| Core capital (leverage) ratio | 7.9883% | 6,354 |
| Tier 1 risk-based capital ratio | 8.7528% | 7,801 |
| Total risk-based capital ratio | 10.0167% | 7,841 |
| Memoranda: | ||
| Average total assets | $694,442,000 | 1,012 |
| Average earning assets | $561,682,000 | 1,156 |
| Average equity | $67,606,000 | 996 |
| Average total loans | $478,893,000 | 1,047 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 7,154 |
| Cost of funding earning assets | 2.3020% | 2,691 |
| Net interest margin | 2.6073% | 7,359 |
| Noninterest income to average assets | 0.9959% | 1,493 |
| Noninterest expense to average assets | 3.2157% | 2,918 |
| Loan and lease loss provision to assets | 1.3351% | 959 |
| Net operating income to assets | -1.4262% | 7,466 |
| Return on assets (ROA) | -1.4090% | 7,475 |
| Pretax return on assets | -1.4090% | 7,336 |
| Return on Equity (ROE) | -14.2563% | 7,574 |
| Retained earnings to average equity (ytd only) | -14.2563% | 7,395 |
| Net charge-offs to loans | 2.7201% | 487 |
| Credit loss provision to net charge-offs | 69.6146% | 4,361 |
| Earnings coverage of net charge-offs (x) | -0.0475% | 5,022 |
| Efficiency ratio | 102.9158% | 1,020 |
| Assets per employee ($millions) | 5.5142% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1690% | 193 |
| Loan loss allowance to noncurrent loans | 23.1526% | 7,010 |
| Noncurrent assets plus other real estate owned to assets | 13.9063% | 98 |
| Noncurrent loans to loans | 18.0065% | 52 |
| Net loans and leases to total assets | 66.0156% | 4,582 |
| Net loans and leases to deposits | 98.1227% | 1,644 |
| Net loans and leases to core deposits | 183.9036% | 211 |
| Total domestic deposits to total assets | 66.3005% | 7,713 |
| Equity capital to assets | 9.8849% | 4,134 |
| Core capital (leverage) ratio | 9.1192% | 4,524 |
| Tier 1 risk-based capital ratio | 9.2391% | 7,638 |
| Total risk-based capital ratio | 10.4874% | 7,628 |
| Memoranda: | ||
| Average total assets | $698,076,000 | 1,011 |
| Average earning assets | $569,939,500 | 1,148 |
| Average equity | $68,994,000 | 973 |
| Average total loans | $492,186,000 | 1,022 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0744% | 5,178 |
| Cost of funding earning assets | 3.1731% | 1,278 |
| Net interest margin | 2.9013% | 7,154 |
| Noninterest income to average assets | 0.5544% | 4,195 |
| Noninterest expense to average assets | 3.1842% | 3,392 |
| Loan and lease loss provision to assets | 5.1105% | 103 |
| Net operating income to assets | -4.4841% | 8,048 |
| Return on assets (ROA) | -4.4843% | 8,031 |
| Pretax return on assets | -5.1587% | 8,043 |
| Return on Equity (ROE) | -36.2997% | 8,040 |
| Retained earnings to average equity (ytd only) | -36.2997% | 8,002 |
| Net charge-offs to loans | 4.8303% | 110 |
| Credit loss provision to net charge-offs | 145.0853% | 3,640 |
| Earnings coverage of net charge-offs (x) | -0.0136% | 6,251 |
| Efficiency ratio | 101.5286% | 924 |
| Assets per employee ($millions) | 5.3942% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2094% | 161 |
| Loan loss allowance to noncurrent loans | 22.4242% | 7,123 |
| Noncurrent assets plus other real estate owned to assets | 14.4919% | 65 |
| Noncurrent loans to loans | 18.7715% | 41 |
| Net loans and leases to total assets | 69.0986% | 4,231 |
| Net loans and leases to deposits | 105.6745% | 1,153 |
| Net loans and leases to core deposits | 219.1836% | 112 |
| Total domestic deposits to total assets | 61.0855% | 7,925 |
| Equity capital to assets | 9.8820% | 4,180 |
| Core capital (leverage) ratio | 8.5324% | 5,513 |
| Tier 1 risk-based capital ratio | 12.3662% | 4,533 |
| Total risk-based capital ratio | 13.6560% | 4,402 |
| Memoranda: | ||
| Average total assets | $780,124,200 | 872 |
| Average earning assets | $694,243,800 | 881 |
| Average equity | $96,372,800 | 692 |
| Average total loans | $568,886,400 | 835 |