Home > Flagship National Bank > Performance and Condition Ratios
Flagship National Bank, Performance and Condition Ratios
| 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 | 4.5533% | 7,454 |
| Cost of funding earning assets | 3.3290% | 119 |
| Net interest margin | 1.2243% | 7,990 |
| Noninterest income to average assets | 0.1136% | 7,327 |
| Noninterest expense to average assets | 2.5898% | 5,749 |
| Loan and lease loss provision to assets | 11.0888% | 16 |
| Net operating income to assets | -12.4511% | 8,059 |
| Return on assets (ROA) | -12.2971% | 8,060 |
| Pretax return on assets | -12.2971% | 8,060 |
| Return on Equity (ROE) | -358.8025% | 8,088 |
| Retained earnings to average equity (ytd only) | -358.8025% | 8,088 |
| Net charge-offs to loans | 15.9216% | 12 |
| Credit loss provision to net charge-offs | 99.1674% | 5,155 |
| Earnings coverage of net charge-offs (x) | -0.1218% | 6,208 |
| Efficiency ratio | 210.9872% | 128 |
| Assets per employee ($millions) | 5.3807% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7297% | 170 |
| Loan loss allowance to noncurrent loans | 23.0068% | 6,912 |
| Noncurrent assets plus other real estate owned to assets | 15.0651% | 118 |
| Noncurrent loans to loans | 20.5578% | 58 |
| Net loans and leases to total assets | 64.7184% | 4,705 |
| Net loans and leases to deposits | 67.5508% | 6,167 |
| Net loans and leases to core deposits | 100.2967% | 4,338 |
| Total domestic deposits to total assets | 95.8071% | 28 |
| Equity capital to assets | -1.7093% | 8,088 |
| Core capital (leverage) ratio | -1.8683% | 8,090 |
| Tier 1 risk-based capital ratio | -2.7574% | 8,091 |
| Total risk-based capital ratio | -2.7574% | 8,091 |
| Memoranda: | ||
| Average total assets | $194,762,500 | 3,257 |
| Average earning assets | $177,185,750 | 3,272 |
| Average equity | $6,675,000 | 6,424 |
| Average total loans | $136,783,750 | 3,178 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6351% | 7,479 |
| Cost of funding earning assets | 3.3236% | 191 |
| Net interest margin | 1.3115% | 8,058 |
| Noninterest income to average assets | 0.1137% | 7,414 |
| Noninterest expense to average assets | 2.4270% | 6,380 |
| Loan and lease loss provision to assets | 8.7713% | 55 |
| Net operating income to assets | -9.8895% | 8,119 |
| Return on assets (ROA) | -9.6750% | 8,107 |
| Pretax return on assets | -9.6750% | 8,095 |
| Return on Equity (ROE) | -195.7087% | 8,146 |
| Retained earnings to average equity (ytd only) | -195.7087% | 8,145 |
| Net charge-offs to loans | 11.3638% | 41 |
| Credit loss provision to net charge-offs | 108.8512% | 4,249 |
| Earnings coverage of net charge-offs (x) | -0.1388% | 5,831 |
| Efficiency ratio | 185.4421% | 233 |
| Assets per employee ($millions) | 5.3918% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9607% | 130 |
| Loan loss allowance to noncurrent loans | 25.7725% | 6,792 |
| Noncurrent assets plus other real estate owned to assets | 14.9734% | 100 |
| Noncurrent loans to loans | 19.2482% | 59 |
| Net loans and leases to total assets | 64.7086% | 4,833 |
| Net loans and leases to deposits | 70.1875% | 5,974 |
| Net loans and leases to core deposits | 102.6672% | 4,212 |
| Total domestic deposits to total assets | 92.1939% | 185 |
| Equity capital to assets | 2.3977% | 8,137 |
| Core capital (leverage) ratio | 2.3496% | 8,138 |
| Tier 1 risk-based capital ratio | 3.3501% | 8,135 |
| Total risk-based capital ratio | 4.6192% | 8,134 |
| Memoranda: | ||
| Average total assets | $200,495,670 | 3,219 |
| Average earning assets | $182,691,330 | 3,232 |
| Average equity | $9,911,670 | 5,384 |
| Average total loans | $142,171,330 | 3,108 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8201% | 7,338 |
| Cost of funding earning assets | 3.3981% | 201 |
| Net interest margin | 1.4220% | 8,082 |
| Noninterest income to average assets | 0.1060% | 7,505 |
| Noninterest expense to average assets | 2.3094% | 6,508 |
| Loan and lease loss provision to assets | 7.7176% | 73 |
| Net operating income to assets | -8.6209% | 8,155 |
| Return on assets (ROA) | -8.6111% | 8,146 |
| Pretax return on assets | -8.6111% | 8,132 |
| Return on Equity (ROE) | -139.8668% | 8,172 |
| Retained earnings to average equity (ytd only) | -139.8668% | 8,170 |
| Net charge-offs to loans | 7.0255% | 120 |
| Credit loss provision to net charge-offs | 152.0309% | 2,744 |
| Earnings coverage of net charge-offs (x) | -0.1779% | 5,119 |
| Efficiency ratio | 164.2458% | 290 |
| Assets per employee ($millions) | 5.5132% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9783% | 107 |
| Loan loss allowance to noncurrent loans | 28.7728% | 6,633 |
| Noncurrent assets plus other real estate owned to assets | 13.0016% | 121 |
| Noncurrent loans to loans | 17.3022% | 61 |
| Net loans and leases to total assets | 69.1066% | 3,888 |
| Net loans and leases to deposits | 77.6912% | 4,975 |
| Net loans and leases to core deposits | 110.3433% | 3,388 |
| Total domestic deposits to total assets | 88.9503% | 1,252 |
| Equity capital to assets | 5.2354% | 8,099 |
| Core capital (leverage) ratio | 4.7276% | 8,139 |
| Tier 1 risk-based capital ratio | 6.7208% | 8,113 |
| Total risk-based capital ratio | 8.0150% | 8,122 |
| Memoranda: | ||
| Average total assets | $203,691,500 | 3,204 |
| Average earning assets | $186,222,000 | 3,208 |
| Average equity | $12,540,500 | 4,694 |
| Average total loans | $147,178,000 | 3,054 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1158% | 4,954 |
| Cost of funding earning assets | 4.1605% | 55 |
| Net interest margin | 1.9553% | 8,091 |
| Noninterest income to average assets | 0.0639% | 7,828 |
| Noninterest expense to average assets | 2.0711% | 7,298 |
| Loan and lease loss provision to assets | 3.0094% | 304 |
| Net operating income to assets | -3.2209% | 7,869 |
| Return on assets (ROA) | -3.2110% | 7,844 |
| Pretax return on assets | -3.2110% | 7,761 |
| Return on Equity (ROE) | -44.5609% | 8,113 |
| Retained earnings to average equity (ytd only) | -51.7306% | 8,148 |
| Net charge-offs to loans | 1.8126% | 606 |
| Credit loss provision to net charge-offs | 232.6722% | 2,048 |
| Earnings coverage of net charge-offs (x) | -0.1635% | 6,356 |
| Efficiency ratio | 111.3746% | 686 |
| Assets per employee ($millions) | 5.6461% | 1,358 |
| Cash dividends to net income (ytd only)* | -16.0897% | 7,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8937% | 206 |
| Loan loss allowance to noncurrent loans | 31.2922% | 6,638 |
| Noncurrent assets plus other real estate owned to assets | 9.1591% | 210 |
| Noncurrent loans to loans | 12.4432% | 116 |
| Net loans and leases to total assets | 69.0111% | 4,253 |
| Net loans and leases to deposits | 79.3559% | 5,153 |
| Net loans and leases to core deposits | 112.6232% | 3,493 |
| Total domestic deposits to total assets | 86.9641% | 1,949 |
| Equity capital to assets | 7.0318% | 7,720 |
| Core capital (leverage) ratio | 6.7541% | 7,835 |
| Tier 1 risk-based capital ratio | 9.2891% | 7,534 |
| Total risk-based capital ratio | 10.5700% | 7,423 |
| Memoranda: | ||
| Average total assets | $222,202,200 | 2,847 |
| Average earning assets | $204,060,000 | 2,854 |
| Average equity | $16,011,800 | 3,927 |
| Average total loans | $158,552,800 | 2,789 |