Home > Gateway Bank of St. Louis > Performance and Condition Ratios
Gateway Bank of St. Louis, 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 | 6.6630% | 543 |
| Cost of funding earning assets | 2.6997% | 792 |
| Net interest margin | 3.9633% | 2,977 |
| Noninterest income to average assets | 3.5841% | 178 |
| Noninterest expense to average assets | 14.0191% | 66 |
| Loan and lease loss provision to assets | 5.5551% | 131 |
| Net operating income to assets | -12.8682% | 8,064 |
| Return on assets (ROA) | -12.8682% | 8,064 |
| Pretax return on assets | -12.8637% | 8,064 |
| Return on Equity (ROE) | -514.8294% | 8,095 |
| Retained earnings to average equity (ytd only) | -514.8294% | 8,095 |
| Net charge-offs to loans | 3.2793% | 487 |
| Credit loss provision to net charge-offs | 225.7827% | 1,934 |
| Earnings coverage of net charge-offs (x) | -2.9705% | 6,804 |
| Efficiency ratio | 208.9129% | 134 |
| Assets per employee ($millions) | 1.6801% | 7,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6115% | 99 |
| Loan loss allowance to noncurrent loans | 84.6498% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 16.3567% | 93 |
| Noncurrent loans to loans | 6.6291% | 861 |
| Net loans and leases to total assets | 71.0810% | 3,251 |
| Net loans and leases to deposits | 69.3978% | 5,992 |
| Net loans and leases to core deposits | 82.8046% | 6,134 |
| Total domestic deposits to total assets | 102.4254% | 5 |
| Equity capital to assets | -3.2550% | 8,095 |
| Core capital (leverage) ratio | -2.9829% | 8,096 |
| Tier 1 risk-based capital ratio | -4.7366% | 8,097 |
| Total risk-based capital ratio | -9.4733% | 8,098 |
| Memoranda: | ||
| Average total assets | $29,425,750 | 7,561 |
| Average earning assets | $23,212,250 | 7,684 |
| Average equity | $735,500 | 8,084 |
| Average total loans | $22,077,250 | 7,141 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4930% | 836 |
| Cost of funding earning assets | 2.7839% | 826 |
| Net interest margin | 3.7091% | 3,914 |
| Noninterest income to average assets | 3.0323% | 210 |
| Noninterest expense to average assets | 12.4927% | 89 |
| Loan and lease loss provision to assets | 2.0017% | 810 |
| Net operating income to assets | -8.5024% | 8,086 |
| Return on assets (ROA) | -8.5024% | 8,080 |
| Pretax return on assets | -8.4958% | 8,064 |
| Return on Equity (ROE) | -202.3060% | 8,148 |
| Retained earnings to average equity (ytd only) | -202.3060% | 8,147 |
| Net charge-offs to loans | 3.0412% | 537 |
| Credit loss provision to net charge-offs | 87.8261% | 4,985 |
| Earnings coverage of net charge-offs (x) | -2.8493% | 6,400 |
| Efficiency ratio | 208.2599% | 178 |
| Assets per employee ($millions) | 1.7575% | 7,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7930% | 303 |
| Loan loss allowance to noncurrent loans | 60.8565% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 18.1645% | 59 |
| Noncurrent loans to loans | 6.2327% | 870 |
| Net loans and leases to total assets | 68.7653% | 4,007 |
| Net loans and leases to deposits | 70.7351% | 5,907 |
| Net loans and leases to core deposits | 83.1176% | 6,152 |
| Total domestic deposits to total assets | 97.2152% | 18 |
| Equity capital to assets | 2.2660% | 8,138 |
| Core capital (leverage) ratio | 2.2276% | 8,142 |
| Tier 1 risk-based capital ratio | 3.2548% | 8,137 |
| Total risk-based capital ratio | 4.5481% | 8,135 |
| Memoranda: | ||
| Average total assets | $30,273,670 | 7,596 |
| Average earning assets | $24,210,670 | 7,714 |
| Average equity | $1,272,330 | 8,122 |
| Average total loans | $22,688,330 | 7,169 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4190% | 1,028 |
| Cost of funding earning assets | 2.9540% | 674 |
| Net interest margin | 3.4650% | 4,874 |
| Noninterest income to average assets | 1.5621% | 568 |
| Noninterest expense to average assets | 14.3082% | 73 |
| Loan and lease loss provision to assets | 0.6038% | 2,091 |
| Net operating income to assets | -10.5014% | 8,175 |
| Return on assets (ROA) | -10.5014% | 8,170 |
| Pretax return on assets | -10.5014% | 8,160 |
| Return on Equity (ROE) | -203.8217% | 8,199 |
| Retained earnings to average equity (ytd only) | -203.8217% | 8,198 |
| Net charge-offs to loans | 5.0011% | 214 |
| Credit loss provision to net charge-offs | 15.7534% | 5,130 |
| Earnings coverage of net charge-offs (x) | -2.5822% | 5,497 |
| Efficiency ratio | 324.4048% | 68 |
| Assets per employee ($millions) | 1.7748% | 8,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7201% | 615 |
| Loan loss allowance to noncurrent loans | 41.7068% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 17.6720% | 48 |
| Noncurrent loans to loans | 6.5218% | 678 |
| Net loans and leases to total assets | 71.8315% | 3,280 |
| Net loans and leases to deposits | 75.3372% | 5,307 |
| Net loans and leases to core deposits | 88.6458% | 5,681 |
| Total domestic deposits to total assets | 95.3467% | 20 |
| Equity capital to assets | 3.8612% | 8,168 |
| Core capital (leverage) ratio | 3.8006% | 8,175 |
| Tier 1 risk-based capital ratio | 5.1868% | 8,167 |
| Total risk-based capital ratio | 6.4645% | 8,167 |
| Memoranda: | ||
| Average total assets | $30,472,000 | 7,631 |
| Average earning assets | $25,050,500 | 7,722 |
| Average equity | $1,570,000 | 8,139 |
| Average total loans | $23,355,000 | 7,166 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1482% | 816 |
| Cost of funding earning assets | 3.3502% | 809 |
| Net interest margin | 3.7980% | 4,029 |
| Noninterest income to average assets | 1.7542% | 441 |
| Noninterest expense to average assets | 8.7684% | 186 |
| Loan and lease loss provision to assets | 0.7944% | 1,873 |
| Net operating income to assets | -4.5226% | 8,051 |
| Return on assets (ROA) | -4.5388% | 8,037 |
| Pretax return on assets | -4.5821% | 7,974 |
| Return on Equity (ROE) | -55.6886% | 8,180 |
| Retained earnings to average equity (ytd only) | -55.6886% | 8,166 |
| Net charge-offs to loans | 2.4154% | 414 |
| Credit loss provision to net charge-offs | 44.5289% | 6,409 |
| Earnings coverage of net charge-offs (x) | -2.1140% | 6,713 |
| Efficiency ratio | 175.4748% | 263 |
| Assets per employee ($millions) | 1.6196% | 8,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4874% | 279 |
| Loan loss allowance to noncurrent loans | 36.9631% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 17.7304% | 41 |
| Noncurrent loans to loans | 9.4347% | 234 |
| Net loans and leases to total assets | 76.6249% | 2,468 |
| Net loans and leases to deposits | 84.2408% | 4,388 |
| Net loans and leases to core deposits | 92.5138% | 5,593 |
| Total domestic deposits to total assets | 90.9593% | 342 |
| Equity capital to assets | 6.4182% | 7,964 |
| Core capital (leverage) ratio | 5.8498% | 8,119 |
| Tier 1 risk-based capital ratio | 8.4727% | 7,998 |
| Total risk-based capital ratio | 9.7534% | 8,045 |
| Memoranda: | ||
| Average total assets | $36,882,400 | 7,348 |
| Average earning assets | $31,490,400 | 7,436 |
| Average equity | $3,006,000 | 7,836 |
| Average total loans | $27,241,800 | 6,884 |