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Broadway 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 | 5.6014% | 2,143 |
| Cost of funding earning assets | 4.0908% | 7 |
| Net interest margin | 1.5106% | 7,831 |
| Noninterest income to average assets | 0.1350% | 7,006 |
| Noninterest expense to average assets | 1.5735% | 7,676 |
| Loan and lease loss provision to assets | 0.9282% | 1,363 |
| Net operating income to assets | -0.9738% | 7,092 |
| Return on assets (ROA) | -0.9239% | 7,094 |
| Pretax return on assets | -0.9239% | 7,016 |
| Return on Equity (ROE) | -34.8152% | 7,616 |
| Retained earnings to average equity (ytd only) | -34.8152% | 7,596 |
| Net charge-offs to loans | 1.0156% | 1,619 |
| Credit loss provision to net charge-offs | 112.5494% | 3,079 |
| Earnings coverage of net charge-offs (x) | -0.0553% | 5,067 |
| Efficiency ratio | 102.9844% | 756 |
| Assets per employee ($millions) | 19.2581% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3938% | 1,427 |
| Loan loss allowance to noncurrent loans | 12.2637% | 7,286 |
| Noncurrent assets plus other real estate owned to assets | 23.1511% | 37 |
| Noncurrent loans to loans | 19.5197% | 86 |
| Net loans and leases to total assets | 80.3245% | 796 |
| Net loans and leases to deposits | 83.1322% | 3,088 |
| Net loans and leases to core deposits | 339.6552% | 48 |
| Total domestic deposits to total assets | 96.6226% | 24 |
| Equity capital to assets | 2.6800% | 7,864 |
| Core capital (leverage) ratio | 2.9327% | 7,847 |
| Tier 1 risk-based capital ratio | 3.1623% | 7,871 |
| Total risk-based capital ratio | 4.4217% | 7,871 |
| Memoranda: | ||
| Average total assets | $1,105,322,500 | 611 |
| Average earning assets | $1,019,176,500 | 603 |
| Average equity | $29,332,000 | 2,258 |
| Average total loans | $897,616,000 | 519 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4757% | 709 |
| Cost of funding earning assets | 4.2770% | 5 |
| Net interest margin | 2.1986% | 7,646 |
| Noninterest income to average assets | 0.0644% | 7,428 |
| Noninterest expense to average assets | 2.4831% | 6,194 |
| Loan and lease loss provision to assets | 4.4577% | 268 |
| Net operating income to assets | -4.8390% | 7,720 |
| Return on assets (ROA) | -6.2980% | 7,844 |
| Pretax return on assets | -6.2980% | 7,827 |
| Return on Equity (ROE) | -117.8429% | 7,964 |
| Retained earnings to average equity (ytd only) | -124.0998% | 7,970 |
| Net charge-offs to loans | 5.7797% | 184 |
| Credit loss provision to net charge-offs | 94.5308% | 5,828 |
| Earnings coverage of net charge-offs (x) | -0.0809% | 6,312 |
| Efficiency ratio | 118.1410% | 640 |
| Assets per employee ($millions) | 19.5161% | 79 |
| Cash dividends to net income (ytd only)* | -5.3095% | 7,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2283% | 1,594 |
| Loan loss allowance to noncurrent loans | 11.0698% | 7,351 |
| Noncurrent assets plus other real estate owned to assets | 21.0429% | 48 |
| Noncurrent loans to loans | 20.1296% | 69 |
| Net loans and leases to total assets | 78.4223% | 1,298 |
| Net loans and leases to deposits | 81.0617% | 3,784 |
| Net loans and leases to core deposits | 90.1990% | 5,104 |
| Total domestic deposits to total assets | 96.7439% | 25 |
| Equity capital to assets | 2.6296% | 7,933 |
| Core capital (leverage) ratio | 2.8616% | 7,915 |
| Tier 1 risk-based capital ratio | 3.2740% | 7,939 |
| Total risk-based capital ratio | 4.5321% | 7,939 |
| Memoranda: | ||
| Average total assets | $1,196,186,000 | 558 |
| Average earning assets | $1,108,500,800 | 546 |
| Average equity | $63,929,200 | 1,037 |
| Average total loans | $975,947,600 | 485 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6572% | 546 |
| Cost of funding earning assets | 4.2647% | 5 |
| Net interest margin | 2.3925% | 7,572 |
| Noninterest income to average assets | 0.0440% | 7,671 |
| Noninterest expense to average assets | 1.9329% | 7,488 |
| Loan and lease loss provision to assets | 3.3461% | 409 |
| Net operating income to assets | -3.0216% | 7,589 |
| Return on assets (ROA) | -3.0207% | 7,598 |
| Pretax return on assets | -3.0207% | 7,507 |
| Return on Equity (ROE) | -50.4148% | 7,837 |
| Retained earnings to average equity (ytd only) | -57.7870% | 7,884 |
| Net charge-offs to loans | 1.9609% | 1,013 |
| Credit loss provision to net charge-offs | 208.3116% | 2,120 |
| Earnings coverage of net charge-offs (x) | 0.2020% | 5,823 |
| Efficiency ratio | 85.6227% | 2,106 |
| Assets per employee ($millions) | 21.2790% | 74 |
| Cash dividends to net income (ytd only)* | -14.6231% | 7,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0132% | 297 |
| Loan loss allowance to noncurrent loans | 22.4937% | 6,939 |
| Noncurrent assets plus other real estate owned to assets | 19.0249% | 58 |
| Noncurrent loans to loans | 17.8414% | 91 |
| Net loans and leases to total assets | 76.3939% | 1,918 |
| Net loans and leases to deposits | 83.0326% | 3,824 |
| Net loans and leases to core deposits | 88.6518% | 5,571 |
| Total domestic deposits to total assets | 92.0047% | 174 |
| Equity capital to assets | 5.2375% | 7,934 |
| Core capital (leverage) ratio | 6.6493% | 7,608 |
| Tier 1 risk-based capital ratio | 6.7939% | 7,916 |
| Total risk-based capital ratio | 8.0681% | 7,919 |
| Memoranda: | ||
| Average total assets | $1,207,369,750 | 568 |
| Average earning assets | $1,117,018,250 | 555 |
| Average equity | $72,342,000 | 915 |
| Average total loans | $989,041,000 | 496 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0668% | 283 |
| Cost of funding earning assets | 4.2669% | 12 |
| Net interest margin | 2.7999% | 7,009 |
| Noninterest income to average assets | 0.0479% | 7,744 |
| Noninterest expense to average assets | 1.9482% | 7,554 |
| Loan and lease loss provision to assets | 4.3831% | 265 |
| Net operating income to assets | -3.7018% | 7,789 |
| Return on assets (ROA) | -3.6992% | 7,789 |
| Pretax return on assets | -3.6992% | 7,704 |
| Return on Equity (ROE) | -59.1809% | 7,969 |
| Retained earnings to average equity (ytd only) | -69.8605% | 8,015 |
| Net charge-offs to loans | 1.1456% | 1,591 |
| Credit loss provision to net charge-offs | 462.5572% | 999 |
| Earnings coverage of net charge-offs (x) | 0.7189% | 5,002 |
| Efficiency ratio | 74.0924% | 4,022 |
| Assets per employee ($millions) | 20.9999% | 73 |
| Cash dividends to net income (ytd only)* | -18.0457% | 7,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4458% | 178 |
| Loan loss allowance to noncurrent loans | 40.2655% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 13.2895% | 140 |
| Noncurrent loans to loans | 11.0412% | 275 |
| Net loans and leases to total assets | 78.0871% | 1,723 |
| Net loans and leases to deposits | 85.2875% | 3,681 |
| Net loans and leases to core deposits | 89.4120% | 5,583 |
| Total domestic deposits to total assets | 91.5575% | 307 |
| Equity capital to assets | 5.6528% | 7,980 |
| Core capital (leverage) ratio | 7.2616% | 7,287 |
| Tier 1 risk-based capital ratio | 6.7327% | 8,025 |
| Total risk-based capital ratio | 8.0089% | 8,032 |
| Memoranda: | ||
| Average total assets | $1,198,433,000 | 585 |
| Average earning assets | $1,104,968,670 | 572 |
| Average equity | $74,909,330 | 884 |
| Average total loans | $991,302,000 | 510 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3983% | 190 |
| Cost of funding earning assets | 4.2121% | 16 |
| Net interest margin | 3.1862% | 5,897 |
| Noninterest income to average assets | 0.0468% | 7,853 |
| Noninterest expense to average assets | 1.1431% | 8,131 |
| Loan and lease loss provision to assets | 2.2839% | 515 |
| Net operating income to assets | -0.3904% | 6,774 |
| Return on assets (ROA) | -0.3846% | 6,846 |
| Pretax return on assets | -0.3846% | 6,734 |
| Return on Equity (ROE) | -5.8662% | 7,052 |
| Retained earnings to average equity (ytd only) | -26.3952% | 7,804 |
| Net charge-offs to loans | 2.3160% | 628 |
| Credit loss provision to net charge-offs | 118.4881% | 3,303 |
| Earnings coverage of net charge-offs (x) | 0.9824% | 4,282 |
| Efficiency ratio | 37.6441% | 8,087 |
| Assets per employee ($millions) | 21.1662% | 76 |
| Cash dividends to net income (ytd only)* | -349.9563% | 8,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4919% | 772 |
| Loan loss allowance to noncurrent loans | 45.8208% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 9.1528% | 270 |
| Noncurrent loans to loans | 5.4383% | 956 |
| Net loans and leases to total assets | 80.1897% | 1,345 |
| Net loans and leases to deposits | 88.6185% | 3,170 |
| Net loans and leases to core deposits | 91.7602% | 5,369 |
| Total domestic deposits to total assets | 90.4887% | 596 |
| Equity capital to assets | 6.6821% | 7,815 |
| Core capital (leverage) ratio | 9.0205% | 4,671 |
| Tier 1 risk-based capital ratio | 9.0539% | 7,757 |
| Total risk-based capital ratio | 10.3137% | 7,772 |
| Memoranda: | ||
| Average total assets | $1,188,651,000 | 592 |
| Average earning assets | $1,115,441,500 | 574 |
| Average equity | $77,938,500 | 846 |
| Average total loans | $989,278,500 | 515 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0215% | 66 |
| Cost of funding earning assets | 4.2476% | 39 |
| Net interest margin | 4.7739% | 824 |
| Noninterest income to average assets | 0.0367% | 7,955 |
| Noninterest expense to average assets | 1.4265% | 8,060 |
| Loan and lease loss provision to assets | 4.2944% | 143 |
| Net operating income to assets | -1.1601% | 7,327 |
| Return on assets (ROA) | -1.1601% | 7,267 |
| Pretax return on assets | -1.1601% | 7,096 |
| Return on Equity (ROE) | -11.2519% | 7,364 |
| Retained earnings to average equity (ytd only) | -40.2277% | 8,049 |
| Net charge-offs to loans | 3.9852% | 166 |
| Credit loss provision to net charge-offs | 131.5290% | 4,050 |
| Earnings coverage of net charge-offs (x) | 0.9600% | 5,650 |
| Efficiency ratio | 31.2778% | 8,226 |
| Assets per employee ($millions) | 22.0911% | 70 |
| Cash dividends to net income (ytd only)* | -257.5203% | 8,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3992% | 764 |
| Loan loss allowance to noncurrent loans | 31.6712% | 6,616 |
| Noncurrent assets plus other real estate owned to assets | 9.1742% | 208 |
| Noncurrent loans to loans | 7.5754% | 375 |
| Net loans and leases to total assets | 82.2238% | 1,188 |
| Net loans and leases to deposits | 90.3725% | 3,390 |
| Net loans and leases to core deposits | 93.9044% | 5,452 |
| Total domestic deposits to total assets | 90.9833% | 335 |
| Equity capital to assets | 6.4279% | 7,959 |
| Core capital (leverage) ratio | 8.7091% | 5,179 |
| Tier 1 risk-based capital ratio | 9.8734% | 6,878 |
| Total risk-based capital ratio | 11.1349% | 6,748 |
| Memoranda: | ||
| Average total assets | $1,154,829,200 | 575 |
| Average earning assets | $1,094,411,600 | 559 |
| Average equity | $119,064,800 | 573 |
| Average total loans | $946,120,400 | 517 |