Home > Paramount Bank > Performance and Condition Ratios
Paramount Bank, Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9641% | 4,976 |
| Cost of funding earning assets | 2.0782% | 582 |
| Net interest margin | 2.8859% | 7,025 |
| Noninterest income to average assets | 1.1135% | 1,133 |
| Noninterest expense to average assets | 4.1809% | 852 |
| Loan and lease loss provision to assets | 4.7333% | 107 |
| Net operating income to assets | -5.0197% | 7,646 |
| Return on assets (ROA) | -4.9807% | 7,652 |
| Pretax return on assets | -4.9807% | 7,640 |
| Return on Equity (ROE) | -159.7346% | 7,730 |
| Retained earnings to average equity (ytd only) | -159.7346% | 7,730 |
| Net charge-offs to loans | 4.1966% | 277 |
| Credit loss provision to net charge-offs | 128.3239% | 3,165 |
| Earnings coverage of net charge-offs (x) | -0.0777% | 6,093 |
| Efficiency ratio | 107.3550% | 570 |
| Assets per employee ($millions) | 7.0207% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8272% | 424 |
| Loan loss allowance to noncurrent loans | 51.1697% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 8.9909% | 507 |
| Noncurrent loans to loans | 7.4794% | 720 |
| Net loans and leases to total assets | 85.9027% | 206 |
| Net loans and leases to deposits | 101.6689% | 550 |
| Net loans and leases to core deposits | 119.4240% | 633 |
| Total domestic deposits to total assets | 84.4926% | 3,867 |
| Equity capital to assets | 1.0172% | 7,746 |
| Core capital (leverage) ratio | 0.9756% | 7,741 |
| Tier 1 risk-based capital ratio | 1.2450% | 7,743 |
| Total risk-based capital ratio | 2.4900% | 7,743 |
| Memoranda: | ||
| Average total assets | $273,235,500 | 2,366 |
| Average earning assets | $263,299,750 | 2,264 |
| Average equity | $8,519,750 | 5,619 |
| Average total loans | $240,157,750 | 1,845 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9356% | 5,247 |
| Cost of funding earning assets | 2.1417% | 569 |
| Net interest margin | 2.7938% | 7,152 |
| Noninterest income to average assets | 1.2776% | 786 |
| Noninterest expense to average assets | 3.9976% | 1,052 |
| Loan and lease loss provision to assets | 3.2135% | 296 |
| Net operating income to assets | -3.2321% | 7,538 |
| Return on assets (ROA) | -3.2321% | 7,543 |
| Pretax return on assets | -3.2321% | 7,506 |
| Return on Equity (ROE) | -86.1876% | 7,715 |
| Retained earnings to average equity (ytd only) | -86.1876% | 7,713 |
| Net charge-offs to loans | 3.1842% | 485 |
| Credit loss provision to net charge-offs | 115.3846% | 3,516 |
| Earnings coverage of net charge-offs (x) | -0.0067% | 5,723 |
| Efficiency ratio | 100.4666% | 786 |
| Assets per employee ($millions) | 3.9594% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9500% | 865 |
| Loan loss allowance to noncurrent loans | 38.3253% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 7.8998% | 628 |
| Noncurrent loans to loans | 7.6973% | 691 |
| Net loans and leases to total assets | 86.7429% | 178 |
| Net loans and leases to deposits | 106.4753% | 371 |
| Net loans and leases to core deposits | 125.7893% | 519 |
| Total domestic deposits to total assets | 81.4676% | 5,210 |
| Equity capital to assets | 3.0854% | 7,751 |
| Core capital (leverage) ratio | 2.9999% | 7,745 |
| Tier 1 risk-based capital ratio | 3.7751% | 7,754 |
| Total risk-based capital ratio | 5.0499% | 7,755 |
| Memoranda: | ||
| Average total assets | $280,066,000 | 2,332 |
| Average earning assets | $270,810,330 | 2,223 |
| Average equity | $10,502,670 | 5,059 |
| Average total loans | $244,959,000 | 1,839 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0397% | 4,838 |
| Cost of funding earning assets | 2.2331% | 535 |
| Net interest margin | 2.8066% | 7,170 |
| Noninterest income to average assets | 1.4278% | 591 |
| Noninterest expense to average assets | 4.0311% | 987 |
| Loan and lease loss provision to assets | 3.0825% | 320 |
| Net operating income to assets | -2.9704% | 7,636 |
| Return on assets (ROA) | -2.9704% | 7,632 |
| Pretax return on assets | -2.9704% | 7,594 |
| Return on Equity (ROE) | -73.1003% | 7,774 |
| Retained earnings to average equity (ytd only) | -73.1003% | 7,769 |
| Net charge-offs to loans | 2.9524% | 523 |
| Credit loss provision to net charge-offs | 120.6140% | 2,893 |
| Earnings coverage of net charge-offs (x) | 0.0439% | 4,999 |
| Efficiency ratio | 97.2946% | 956 |
| Assets per employee ($millions) | 4.1573% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8320% | 951 |
| Loan loss allowance to noncurrent loans | 55.3053% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 5.4432% | 1,140 |
| Noncurrent loans to loans | 5.1206% | 1,406 |
| Net loans and leases to total assets | 83.4414% | 436 |
| Net loans and leases to deposits | 100.1550% | 742 |
| Net loans and leases to core deposits | 120.3805% | 770 |
| Total domestic deposits to total assets | 83.3123% | 4,469 |
| Equity capital to assets | 3.7390% | 7,814 |
| Core capital (leverage) ratio | 3.7028% | 7,800 |
| Tier 1 risk-based capital ratio | 4.7766% | 7,814 |
| Total risk-based capital ratio | 6.0491% | 7,816 |
| Memoranda: | ||
| Average total assets | $285,481,000 | 2,346 |
| Average earning assets | $276,205,500 | 2,235 |
| Average equity | $11,600,500 | 4,817 |
| Average total loans | $247,117,500 | 1,882 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3665% | 4,856 |
| Cost of funding earning assets | 2.8572% | 366 |
| Net interest margin | 2.5093% | 7,420 |
| Noninterest income to average assets | 1.0152% | 1,518 |
| Noninterest expense to average assets | 4.0189% | 1,338 |
| Loan and lease loss provision to assets | 2.9448% | 598 |
| Net operating income to assets | -3.5405% | 7,518 |
| Return on assets (ROA) | -3.5427% | 7,520 |
| Pretax return on assets | -3.5427% | 7,428 |
| Return on Equity (ROE) | -52.8785% | 7,706 |
| Retained earnings to average equity (ytd only) | -52.8785% | 7,700 |
| Net charge-offs to loans | 3.1291% | 656 |
| Credit loss provision to net charge-offs | 105.8198% | 5,239 |
| Earnings coverage of net charge-offs (x) | -0.2141% | 6,464 |
| Efficiency ratio | 117.4031% | 651 |
| Assets per employee ($millions) | 4.2392% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5840% | 1,134 |
| Loan loss allowance to noncurrent loans | 48.2907% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 5.4457% | 1,080 |
| Noncurrent loans to loans | 5.3509% | 1,223 |
| Net loans and leases to total assets | 84.9828% | 354 |
| Net loans and leases to deposits | 103.6545% | 666 |
| Net loans and leases to core deposits | 146.0108% | 610 |
| Total domestic deposits to total assets | 81.9866% | 4,951 |
| Equity capital to assets | 4.3818% | 7,828 |
| Core capital (leverage) ratio | 4.5144% | 7,807 |
| Tier 1 risk-based capital ratio | 5.5394% | 7,840 |
| Total risk-based capital ratio | 6.8088% | 7,845 |
| Memoranda: | ||
| Average total assets | $280,326,000 | 2,347 |
| Average earning assets | $269,003,600 | 2,244 |
| Average equity | $18,780,800 | 3,378 |
| Average total loans | $249,301,400 | 1,897 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3785% | 5,054 |
| Cost of funding earning assets | 3.0117% | 320 |
| Net interest margin | 2.3668% | 7,586 |
| Noninterest income to average assets | 0.8273% | 2,302 |
| Noninterest expense to average assets | 3.4384% | 2,453 |
| Loan and lease loss provision to assets | 2.2777% | 750 |
| Net operating income to assets | -2.6231% | 7,489 |
| Return on assets (ROA) | -2.6231% | 7,494 |
| Pretax return on assets | -2.6231% | 7,392 |
| Return on Equity (ROE) | -35.9340% | 7,713 |
| Retained earnings to average equity (ytd only) | -35.9340% | 7,704 |
| Net charge-offs to loans | 2.3755% | 778 |
| Credit loss provision to net charge-offs | 107.2879% | 4,738 |
| Earnings coverage of net charge-offs (x) | -0.1627% | 6,252 |
| Efficiency ratio | 111.1662% | 747 |
| Assets per employee ($millions) | 4.2546% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5605% | 1,004 |
| Loan loss allowance to noncurrent loans | 59.5969% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 4.5131% | 1,354 |
| Noncurrent loans to loans | 4.2963% | 1,672 |
| Net loans and leases to total assets | 85.7581% | 361 |
| Net loans and leases to deposits | 107.3903% | 582 |
| Net loans and leases to core deposits | 139.2836% | 946 |
| Total domestic deposits to total assets | 79.8565% | 5,493 |
| Equity capital to assets | 6.1374% | 7,827 |
| Core capital (leverage) ratio | 6.1087% | 7,782 |
| Tier 1 risk-based capital ratio | 7.5551% | 7,848 |
| Total risk-based capital ratio | 8.8238% | 7,852 |
| Memoranda: | ||
| Average total assets | $278,341,750 | 2,375 |
| Average earning assets | $266,460,750 | 2,283 |
| Average equity | $20,318,250 | 3,190 |
| Average total loans | $248,758,750 | 1,925 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4780% | 4,739 |
| Cost of funding earning assets | 3.0737% | 382 |
| Net interest margin | 2.4043% | 7,568 |
| Noninterest income to average assets | 0.8915% | 2,016 |
| Noninterest expense to average assets | 3.3900% | 2,659 |
| Loan and lease loss provision to assets | 1.6575% | 1,009 |
| Net operating income to assets | -1.8319% | 7,379 |
| Return on assets (ROA) | -1.8319% | 7,373 |
| Pretax return on assets | -1.8319% | 7,227 |
| Return on Equity (ROE) | -23.8167% | 7,606 |
| Retained earnings to average equity (ytd only) | -23.8167% | 7,570 |
| Net charge-offs to loans | 1.9936% | 928 |
| Credit loss provision to net charge-offs | 92.5553% | 4,848 |
| Earnings coverage of net charge-offs (x) | -0.0974% | 5,794 |
| Efficiency ratio | 105.4236% | 984 |
| Assets per employee ($millions) | 4.3991% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3900% | 1,005 |
| Loan loss allowance to noncurrent loans | 59.4484% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 4.4746% | 1,251 |
| Noncurrent loans to loans | 4.0202% | 1,681 |
| Net loans and leases to total assets | 85.7679% | 397 |
| Net loans and leases to deposits | 109.2834% | 588 |
| Net loans and leases to core deposits | 141.8491% | 937 |
| Total domestic deposits to total assets | 78.4821% | 5,957 |
| Equity capital to assets | 7.2696% | 7,432 |
| Core capital (leverage) ratio | 7.2574% | 7,296 |
| Tier 1 risk-based capital ratio | 8.9244% | 7,733 |
| Total risk-based capital ratio | 10.1910% | 7,760 |
| Memoranda: | ||
| Average total assets | $277,520,670 | 2,399 |
| Average earning assets | $268,272,000 | 2,287 |
| Average equity | $21,346,330 | 3,055 |
| Average total loans | $249,298,000 | 1,950 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5427% | 4,679 |
| Cost of funding earning assets | 3.1786% | 365 |
| Net interest margin | 2.3641% | 7,658 |
| Noninterest income to average assets | 0.7058% | 2,854 |
| Noninterest expense to average assets | 3.3301% | 2,567 |
| Loan and lease loss provision to assets | 1.8725% | 655 |
| Net operating income to assets | -2.2138% | 7,711 |
| Return on assets (ROA) | -2.2138% | 7,713 |
| Pretax return on assets | -2.2138% | 7,597 |
| Return on Equity (ROE) | -28.0142% | 7,884 |
| Retained earnings to average equity (ytd only) | -28.0142% | 7,827 |
| Net charge-offs to loans | 2.0937% | 691 |
| Credit loss provision to net charge-offs | 98.4848% | 3,833 |
| Earnings coverage of net charge-offs (x) | -0.1795% | 5,120 |
| Efficiency ratio | 111.4217% | 778 |
| Assets per employee ($millions) | 5.5485% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3900% | 861 |
| Loan loss allowance to noncurrent loans | 59.5641% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 4.7264% | 992 |
| Noncurrent loans to loans | 4.0126% | 1,497 |
| Net loans and leases to total assets | 88.1070% | 255 |
| Net loans and leases to deposits | 112.6686% | 493 |
| Net loans and leases to core deposits | 147.3787% | 799 |
| Total domestic deposits to total assets | 78.2001% | 5,944 |
| Equity capital to assets | 7.6324% | 7,238 |
| Core capital (leverage) ratio | 7.6386% | 6,975 |
| Tier 1 risk-based capital ratio | 9.0469% | 7,765 |
| Total risk-based capital ratio | 10.3129% | 7,773 |
| Memoranda: | ||
| Average total assets | $277,710,500 | 2,406 |
| Average earning assets | $268,172,500 | 2,304 |
| Average equity | $21,946,000 | 2,983 |
| Average total loans | $252,188,000 | 1,951 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1023% | 5,033 |
| Cost of funding earning assets | 3.6041% | 385 |
| Net interest margin | 2.4982% | 7,754 |
| Noninterest income to average assets | 0.6604% | 3,402 |
| Noninterest expense to average assets | 3.7341% | 1,886 |
| Loan and lease loss provision to assets | 3.6440% | 205 |
| Net operating income to assets | -4.3174% | 8,029 |
| Return on assets (ROA) | -4.3174% | 8,013 |
| Pretax return on assets | -4.3174% | 7,945 |
| Return on Equity (ROE) | -42.8927% | 8,101 |
| Retained earnings to average equity (ytd only) | -42.8927% | 8,074 |
| Net charge-offs to loans | 3.2633% | 256 |
| Credit loss provision to net charge-offs | 122.9901% | 4,365 |
| Earnings coverage of net charge-offs (x) | -0.2273% | 6,385 |
| Efficiency ratio | 122.0025% | 548 |
| Assets per employee ($millions) | 5.3461% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3645% | 788 |
| Loan loss allowance to noncurrent loans | 69.6474% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 4.2234% | 939 |
| Noncurrent loans to loans | 3.3950% | 1,513 |
| Net loans and leases to total assets | 89.1938% | 262 |
| Net loans and leases to deposits | 114.8428% | 580 |
| Net loans and leases to core deposits | 151.3465% | 804 |
| Total domestic deposits to total assets | 77.6660% | 5,817 |
| Equity capital to assets | 8.1720% | 6,590 |
| Core capital (leverage) ratio | 8.5937% | 5,389 |
| Tier 1 risk-based capital ratio | 9.5087% | 7,295 |
| Total risk-based capital ratio | 10.7741% | 7,202 |
| Memoranda: | ||
| Average total assets | $284,219,800 | 2,290 |
| Average earning assets | $273,078,200 | 2,211 |
| Average equity | $28,608,600 | 2,362 |
| Average total loans | $258,055,400 | 1,851 |