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BankMiami, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions100.0000%3
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.6353%4,468
Cost of funding earning assets0.0102%4,394
Net interest margin0.6250%4,420
Noninterest income to average assets0.0000%4,395
Noninterest expense to average assets11.4534%101
Loan and lease loss provision to assets0.0000%2,722
Net operating income to assets-8.4097%4,445
Return on assets (ROA)-8.4097%4,484
Pretax return on assets-10.8506%4,485
Return on Equity (ROE)-9.0100%4,378
Retained earnings to average equity (ytd only)-9.0055%4,225
Net charge-offs to loans0.0000%2,326
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio1,900.0000%30
Assets per employee ($millions)2.5298%4,303
Cash dividends to net income (ytd only)*0.0000%2,332
Condition Ratios (%)
Loss allowance to loans0.0000%4,373
Loan loss allowance to noncurrent loans0.0000%3,773
Noncurrent assets plus other real estate owned to assets0.0000%3,816
Noncurrent loans to loans0.0000%3,787
Net loans and leases to total assets0.0000%4,354
Net loans and leases to deposits0.0000%4,363
Net loans and leases to core deposits0.0000%4,352
Total domestic deposits to total assets6.5400%4,366
Equity capital to assets93.3839%70
Core capital (leverage) ratio96.3962%24
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio433.0987%15
Memoranda:
Average total assets$40,477,0004,283
Average earning assets$39,039,0004,249
Average equity$37,799,0002,116
Average total loans$04,354