Home > BankUnited, FSB > Performance and Condition Ratios
BankUnited, FSB, Performance and Condition Ratios
| 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 | 4.0087% | 7,991 |
| Cost of funding earning assets | 4.0814% | 20 |
| Net interest margin | -0.0727% | 8,237 |
| Noninterest income to average assets | -0.8048% | 8,208 |
| Noninterest expense to average assets | 3.1448% | 3,211 |
| Loan and lease loss provision to assets | 9.4359% | 50 |
| Net operating income to assets | -13.4553% | 8,199 |
| Return on assets (ROA) | -13.4564% | 8,190 |
| Pretax return on assets | -13.4549% | 8,188 |
| Return on Equity (ROE) | 694.6680% | 5 |
| Retained earnings to average equity (ytd only) | 694.6741% | 5 |
| Net charge-offs to loans | 6.5846% | 134 |
| Credit loss provision to net charge-offs | 173.7373% | 2,477 |
| Earnings coverage of net charge-offs (x) | -0.7398% | 5,312 |
| Efficiency ratio | -259.8928% | 8,241 |
| Assets per employee ($millions) | 12.1066% | 169 |
| Cash dividends to net income (ytd only)* | -0.0009% | 8,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5413% | 84 |
| Loan loss allowance to noncurrent loans | 36.9364% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 13.6139% | 106 |
| Noncurrent loans to loans | 15.0023% | 104 |
| Net loans and leases to total assets | 78.3116% | 1,743 |
| Net loans and leases to deposits | 116.9988% | 357 |
| Net loans and leases to core deposits | 162.1740% | 464 |
| Total domestic deposits to total assets | 66.9337% | 7,673 |
| Equity capital to assets | -3.8638% | 8,245 |
| Core capital (leverage) ratio | -3.2370% | 8,244 |
| Tier 1 risk-based capital ratio | -5.7500% | 8,245 |
| Total risk-based capital ratio | -5.7500% | 8,245 |
| Memoranda: | ||
| Average total assets | $13,422,384,500 | 91 |
| Average earning assets | $12,612,358,000 | 86 |
| Average equity | $-260,004,500 | 8,247 |
| Average total loans | $11,071,155,000 | 74 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6439% | 6,948 |
| Cost of funding earning assets | 4.0280% | 93 |
| Net interest margin | 1.6158% | 8,167 |
| Noninterest income to average assets | -0.1588% | 8,217 |
| Noninterest expense to average assets | 1.5781% | 7,983 |
| Loan and lease loss provision to assets | 8.9608% | 14 |
| Net operating income to assets | -8.7010% | 8,237 |
| Return on assets (ROA) | -8.6741% | 8,234 |
| Pretax return on assets | -9.1504% | 8,232 |
| Return on Equity (ROE) | -160.1470% | 8,296 |
| Retained earnings to average equity (ytd only) | -160.1475% | 8,295 |
| Net charge-offs to loans | 6.3990% | 48 |
| Credit loss provision to net charge-offs | 162.9033% | 3,166 |
| Earnings coverage of net charge-offs (x) | -0.0396% | 6,273 |
| Efficiency ratio | 113.4012% | 644 |
| Assets per employee ($millions) | 12.5076% | 147 |
| Cash dividends to net income (ytd only)* | -0.0003% | 7,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3389% | 151 |
| Loan loss allowance to noncurrent loans | 40.3308% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 9.8620% | 170 |
| Noncurrent loans to loans | 10.7582% | 180 |
| Net loans and leases to total assets | 78.5177% | 1,998 |
| Net loans and leases to deposits | 125.2550% | 280 |
| Net loans and leases to core deposits | 176.0455% | 331 |
| Total domestic deposits to total assets | 62.6863% | 7,850 |
| Equity capital to assets | -0.0977% | 8,300 |
| Core capital (leverage) ratio | -0.1777% | 8,300 |
| Tier 1 risk-based capital ratio | -0.3431% | 8,300 |
| Total risk-based capital ratio | -0.3431% | 8,300 |
| Memoranda: | ||
| Average total assets | $14,162,920,600 | 85 |
| Average earning assets | $13,314,467,400 | 83 |
| Average equity | $767,114,800 | 139 |
| Average total loans | $12,174,694,800 | 70 |