Home > Metro Bank of Dade County > Performance and Condition Ratios
Metro Bank of Dade County, Performance and Condition Ratios
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2762% | 7,664 |
| Cost of funding earning assets | 1.7214% | 2,006 |
| Net interest margin | 1.5548% | 7,734 |
| Noninterest income to average assets | 0.7093% | 2,654 |
| Noninterest expense to average assets | 2.9019% | 4,070 |
| Loan and lease loss provision to assets | 11.8887% | 5 |
| Net operating income to assets | -12.2946% | 7,818 |
| Return on assets (ROA) | -12.2946% | 7,818 |
| Pretax return on assets | -12.6487% | 7,822 |
| Return on Equity (ROE) | -1,107.0555% | 7,829 |
| Retained earnings to average equity (ytd only) | -1,107.0555% | 7,829 |
| Net charge-offs to loans | 14.2676% | 12 |
| Credit loss provision to net charge-offs | 124.4205% | 3,252 |
| Earnings coverage of net charge-offs (x) | -0.0795% | 5,785 |
| Efficiency ratio | 135.4832% | 278 |
| Assets per employee ($millions) | 5.4718% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0571% | 55 |
| Loan loss allowance to noncurrent loans | 33.7219% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 17.3683% | 89 |
| Noncurrent loans to loans | 20.9272% | 71 |
| Net loans and leases to total assets | 63.4241% | 4,370 |
| Net loans and leases to deposits | 67.4640% | 5,618 |
| Net loans and leases to core deposits | 76.2513% | 5,164 |
| Total domestic deposits to total assets | 94.0119% | 73 |
| Equity capital to assets | -2.5273% | 7,827 |
| Core capital (leverage) ratio | -2.4882% | 7,829 |
| Tier 1 risk-based capital ratio | -3.7446% | 7,829 |
| Total risk-based capital ratio | -3.7446% | 7,829 |
| Memoranda: | ||
| Average total assets | $441,577,670 | 1,549 |
| Average earning assets | $406,874,000 | 1,521 |
| Average equity | $4,904,000 | 6,812 |
| Average total loans | $295,734,000 | 1,545 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2875% | 7,759 |
| Cost of funding earning assets | 1.7893% | 1,922 |
| Net interest margin | 1.4982% | 7,832 |
| Noninterest income to average assets | 0.6389% | 3,007 |
| Noninterest expense to average assets | 2.6975% | 4,918 |
| Loan and lease loss provision to assets | 8.2975% | 54 |
| Net operating income to assets | -8.2914% | 7,873 |
| Return on assets (ROA) | -8.2914% | 7,874 |
| Pretax return on assets | -8.9675% | 7,878 |
| Return on Equity (ROE) | -309.2675% | 7,906 |
| Retained earnings to average equity (ytd only) | -309.2675% | 7,906 |
| Net charge-offs to loans | 8.1572% | 91 |
| Credit loss provision to net charge-offs | 153.1355% | 2,341 |
| Earnings coverage of net charge-offs (x) | -0.1237% | 5,117 |
| Efficiency ratio | 133.0490% | 309 |
| Assets per employee ($millions) | 6.0593% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7703% | 114 |
| Loan loss allowance to noncurrent loans | 29.9230% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 14.7195% | 142 |
| Noncurrent loans to loans | 19.2839% | 91 |
| Net loans and leases to total assets | 64.2894% | 4,265 |
| Net loans and leases to deposits | 72.6755% | 4,963 |
| Net loans and leases to core deposits | 86.8892% | 3,771 |
| Total domestic deposits to total assets | 88.4609% | 1,819 |
| Equity capital to assets | 1.6874% | 7,893 |
| Core capital (leverage) ratio | 1.4456% | 7,897 |
| Tier 1 risk-based capital ratio | 2.1626% | 7,896 |
| Total risk-based capital ratio | 3.4655% | 7,896 |
| Memoranda: | ||
| Average total assets | $462,646,000 | 1,515 |
| Average earning assets | $428,775,000 | 1,489 |
| Average equity | $12,403,500 | 4,615 |
| Average total loans | $307,312,000 | 1,535 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 7,769 |
| Cost of funding earning assets | 2.3236% | 1,571 |
| Net interest margin | 1.4446% | 7,881 |
| Noninterest income to average assets | 0.2459% | 6,343 |
| Noninterest expense to average assets | 2.3588% | 6,573 |
| Loan and lease loss provision to assets | 5.4379% | 151 |
| Net operating income to assets | -5.2652% | 7,779 |
| Return on assets (ROA) | -5.2206% | 7,763 |
| Pretax return on assets | -6.1485% | 7,820 |
| Return on Equity (ROE) | -69.0066% | 7,804 |
| Retained earnings to average equity (ytd only) | -69.0066% | 7,801 |
| Net charge-offs to loans | 5.2238% | 231 |
| Credit loss provision to net charge-offs | 150.1615% | 3,091 |
| Earnings coverage of net charge-offs (x) | -0.2107% | 6,460 |
| Efficiency ratio | 147.8204% | 332 |
| Assets per employee ($millions) | 6.4395% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5020% | 250 |
| Loan loss allowance to noncurrent loans | 34.2518% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 9.8919% | 375 |
| Noncurrent loans to loans | 13.1439% | 234 |
| Net loans and leases to total assets | 61.8588% | 5,017 |
| Net loans and leases to deposits | 71.6729% | 5,373 |
| Net loans and leases to core deposits | 85.5443% | 5,564 |
| Total domestic deposits to total assets | 86.3072% | 2,866 |
| Equity capital to assets | 3.5910% | 7,883 |
| Core capital (leverage) ratio | 3.3543% | 7,890 |
| Tier 1 risk-based capital ratio | 5.0015% | 7,866 |
| Total risk-based capital ratio | 6.2891% | 7,868 |
| Memoranda: | ||
| Average total assets | $478,717,400 | 1,445 |
| Average earning assets | $447,319,000 | 1,411 |
| Average equity | $36,216,800 | 1,863 |
| Average total loans | $331,862,800 | 1,456 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8713% | 7,846 |
| Cost of funding earning assets | 2.4178% | 1,569 |
| Net interest margin | 1.4535% | 7,955 |
| Noninterest income to average assets | 0.8276% | 2,299 |
| Noninterest expense to average assets | 2.2730% | 6,774 |
| Loan and lease loss provision to assets | 2.9951% | 498 |
| Net operating income to assets | -1.9257% | 7,287 |
| Return on assets (ROA) | -1.9213% | 7,286 |
| Pretax return on assets | -3.0741% | 7,529 |
| Return on Equity (ROE) | -22.4186% | 7,454 |
| Retained earnings to average equity (ytd only) | -22.4186% | 7,422 |
| Net charge-offs to loans | 2.2533% | 845 |
| Credit loss provision to net charge-offs | 188.6096% | 2,412 |
| Earnings coverage of net charge-offs (x) | -0.0541% | 6,132 |
| Efficiency ratio | 103.9311% | 923 |
| Assets per employee ($millions) | 6.1037% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2049% | 560 |
| Loan loss allowance to noncurrent loans | 30.4532% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 8.6445% | 464 |
| Noncurrent loans to loans | 10.5240% | 361 |
| Net loans and leases to total assets | 67.0195% | 4,182 |
| Net loans and leases to deposits | 82.1485% | 3,994 |
| Net loans and leases to core deposits | 101.2111% | 4,242 |
| Total domestic deposits to total assets | 81.5834% | 4,839 |
| Equity capital to assets | 7.6773% | 7,169 |
| Core capital (leverage) ratio | 7.2191% | 7,248 |
| Tier 1 risk-based capital ratio | 9.9763% | 7,007 |
| Total risk-based capital ratio | 11.2480% | 6,938 |
| Memoranda: | ||
| Average total assets | $477,656,500 | 1,465 |
| Average earning assets | $446,732,250 | 1,429 |
| Average equity | $40,935,250 | 1,650 |
| Average total loans | $336,619,000 | 1,452 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9254% | 7,930 |
| Cost of funding earning assets | 2.5232% | 1,536 |
| Net interest margin | 1.4022% | 8,038 |
| Noninterest income to average assets | 0.8417% | 2,211 |
| Noninterest expense to average assets | 2.2881% | 6,786 |
| Loan and lease loss provision to assets | 1.4494% | 1,197 |
| Net operating income to assets | -0.9896% | 6,973 |
| Return on assets (ROA) | -0.9829% | 6,969 |
| Pretax return on assets | -1.5726% | 7,124 |
| Return on Equity (ROE) | -11.0920% | 7,115 |
| Retained earnings to average equity (ytd only) | -11.0920% | 6,976 |
| Net charge-offs to loans | 0.6769% | 2,345 |
| Credit loss provision to net charge-offs | 302.0833% | 1,538 |
| Earnings coverage of net charge-offs (x) | -0.2786% | 5,940 |
| Efficiency ratio | 106.2053% | 964 |
| Assets per employee ($millions) | 6.2218% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2891% | 1,115 |
| Loan loss allowance to noncurrent loans | 24.3054% | 6,882 |
| Noncurrent assets plus other real estate owned to assets | 7.5257% | 530 |
| Noncurrent loans to loans | 9.4181% | 395 |
| Net loans and leases to total assets | 68.7484% | 4,010 |
| Net loans and leases to deposits | 88.2657% | 3,129 |
| Net loans and leases to core deposits | 109.2147% | 3,469 |
| Total domestic deposits to total assets | 77.8880% | 6,105 |
| Equity capital to assets | 8.5228% | 6,013 |
| Core capital (leverage) ratio | 7.8149% | 6,594 |
| Tier 1 risk-based capital ratio | 10.7249% | 6,165 |
| Total risk-based capital ratio | 11.9856% | 6,089 |
| Memoranda: | ||
| Average total assets | $480,214,000 | 1,474 |
| Average earning assets | $449,579,330 | 1,438 |
| Average equity | $42,553,000 | 1,605 |
| Average total loans | $340,355,330 | 1,467 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9120% | 8,016 |
| Cost of funding earning assets | 2.5654% | 1,675 |
| Net interest margin | 1.3467% | 8,099 |
| Noninterest income to average assets | 0.8819% | 1,923 |
| Noninterest expense to average assets | 2.1831% | 6,912 |
| Loan and lease loss provision to assets | 1.2480% | 1,030 |
| Net operating income to assets | -0.8054% | 7,131 |
| Return on assets (ROA) | -0.7920% | 7,158 |
| Pretax return on assets | -1.2671% | 7,281 |
| Return on Equity (ROE) | -8.7714% | 7,285 |
| Retained earnings to average equity (ytd only) | -8.7714% | 6,995 |
| Net charge-offs to loans | 0.0585% | 4,654 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | -0.9600% | 5,351 |
| Efficiency ratio | 101.8634% | 1,057 |
| Assets per employee ($millions) | 6.7555% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0181% | 1,372 |
| Loan loss allowance to noncurrent loans | 18.0298% | 7,262 |
| Noncurrent assets plus other real estate owned to assets | 7.7107% | 406 |
| Noncurrent loans to loans | 11.1931% | 212 |
| Net loans and leases to total assets | 63.8238% | 5,025 |
| Net loans and leases to deposits | 81.6629% | 4,333 |
| Net loans and leases to core deposits | 98.5046% | 4,696 |
| Total domestic deposits to total assets | 78.1552% | 5,956 |
| Equity capital to assets | 8.1988% | 6,539 |
| Core capital (leverage) ratio | 8.3310% | 5,844 |
| Tier 1 risk-based capital ratio | 10.3944% | 6,501 |
| Total risk-based capital ratio | 11.6506% | 6,403 |
| Memoranda: | ||
| Average total assets | $480,781,000 | 1,481 |
| Average earning assets | $450,301,000 | 1,433 |
| Average equity | $43,414,000 | 1,573 |
| Average total loans | $341,995,000 | 1,469 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1773% | 4,630 |
| Cost of funding earning assets | 2.7663% | 2,849 |
| Net interest margin | 3.4109% | 5,616 |
| Noninterest income to average assets | 0.8111% | 2,452 |
| Noninterest expense to average assets | 2.5458% | 5,836 |
| Loan and lease loss provision to assets | 1.3748% | 1,011 |
| Net operating income to assets | 0.0644% | 6,197 |
| Return on assets (ROA) | 0.0644% | 6,053 |
| Pretax return on assets | 0.1032% | 5,934 |
| Return on Equity (ROE) | 0.6044% | 6,037 |
| Retained earnings to average equity (ytd only) | 0.0893% | 5,180 |
| Net charge-offs to loans | 1.2117% | 998 |
| Credit loss provision to net charge-offs | 139.2142% | 3,811 |
| Earnings coverage of net charge-offs (x) | 1.4967% | 5,354 |
| Efficiency ratio | 63.2686% | 5,718 |
| Assets per employee ($millions) | 5.4492% | 1,497 |
| Cash dividends to net income (ytd only)* | 85.2273% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 2,391 |
| Loan loss allowance to noncurrent loans | 23.3216% | 7,083 |
| Noncurrent assets plus other real estate owned to assets | 5.5695% | 573 |
| Noncurrent loans to loans | 6.6935% | 474 |
| Net loans and leases to total assets | 76.9774% | 2,383 |
| Net loans and leases to deposits | 104.6528% | 1,275 |
| Net loans and leases to core deposits | 112.0466% | 3,556 |
| Total domestic deposits to total assets | 73.5550% | 6,728 |
| Equity capital to assets | 10.0093% | 4,027 |
| Core capital (leverage) ratio | 9.6346% | 3,842 |
| Tier 1 risk-based capital ratio | 10.5768% | 6,129 |
| Total risk-based capital ratio | 11.8284% | 6,032 |
| Memoranda: | ||
| Average total assets | $409,804,400 | 1,656 |
| Average earning assets | $385,996,600 | 1,606 |
| Average equity | $43,676,600 | 1,543 |
| Average total loans | $333,994,600 | 1,456 |