Home > Regent Bank > Performance and Condition Ratios
Regent Bank, Performance and Condition Ratios
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9250% | 3,454 |
| Cost of funding earning assets | 1.1555% | 2,600 |
| Net interest margin | 3.7695% | 4,018 |
| Noninterest income to average assets | 0.5652% | 3,405 |
| Noninterest expense to average assets | 4.7749% | 452 |
| Loan and lease loss provision to assets | 0.2234% | 3,775 |
| Net operating income to assets | -0.6352% | 6,720 |
| Return on assets (ROA) | -0.6352% | 6,754 |
| Pretax return on assets | -1.0174% | 6,883 |
| Return on Equity (ROE) | -3.9625% | 6,628 |
| Retained earnings to average equity (ytd only) | -3.9625% | 6,514 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.4050% | 311 |
| Assets per employee ($millions) | 4.9280% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 6,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 77.9534% | 714 |
| Net loans and leases to deposits | 91.5228% | 1,053 |
| Net loans and leases to core deposits | 116.3656% | 484 |
| Total domestic deposits to total assets | 85.1738% | 3,693 |
| Equity capital to assets | 14.4794% | 999 |
| Core capital (leverage) ratio | 13.1366% | 1,175 |
| Tier 1 risk-based capital ratio | 16.8420% | 2,699 |
| Total risk-based capital ratio | 17.8726% | 2,762 |
| Memoranda: | ||
| Average total assets | $49,535,750 | 6,434 |
| Average earning assets | $44,885,750 | 6,424 |
| Average equity | $7,941,000 | 5,616 |
| Average total loans | $37,789,250 | 5,847 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9353% | 3,466 |
| Cost of funding earning assets | 1.1854% | 2,676 |
| Net interest margin | 3.7499% | 4,034 |
| Noninterest income to average assets | 0.5461% | 3,499 |
| Noninterest expense to average assets | 4.8564% | 413 |
| Loan and lease loss provision to assets | 0.2084% | 3,840 |
| Net operating income to assets | -0.7045% | 6,819 |
| Return on assets (ROA) | -0.7045% | 6,829 |
| Pretax return on assets | -1.1297% | 6,941 |
| Return on Equity (ROE) | -4.2400% | 6,658 |
| Retained earnings to average equity (ytd only) | -4.2400% | 6,495 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.8814% | 313 |
| Assets per employee ($millions) | 4.3221% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0534% | 6,128 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 71.7170% | 1,840 |
| Net loans and leases to deposits | 84.9088% | 1,959 |
| Net loans and leases to core deposits | 108.0651% | 813 |
| Total domestic deposits to total assets | 84.4635% | 4,140 |
| Equity capital to assets | 15.2319% | 764 |
| Core capital (leverage) ratio | 13.9190% | 887 |
| Tier 1 risk-based capital ratio | 18.5149% | 2,008 |
| Total risk-based capital ratio | 19.5463% | 2,029 |
| Memoranda: | ||
| Average total assets | $47,978,330 | 6,538 |
| Average earning assets | $43,361,330 | 6,527 |
| Average equity | $7,971,670 | 5,622 |
| Average total loans | $36,157,000 | 5,964 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0381% | 2,916 |
| Cost of funding earning assets | 1.1560% | 3,117 |
| Net interest margin | 3.8821% | 3,231 |
| Noninterest income to average assets | 0.6691% | 2,731 |
| Noninterest expense to average assets | 5.1874% | 311 |
| Loan and lease loss provision to assets | 0.2259% | 3,400 |
| Net operating income to assets | -0.7733% | 6,947 |
| Return on assets (ROA) | -0.7733% | 6,956 |
| Pretax return on assets | -1.2425% | 7,077 |
| Return on Equity (ROE) | -4.4458% | 6,775 |
| Retained earnings to average equity (ytd only) | -4.4458% | 6,467 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.7500% | 312 |
| Assets per employee ($millions) | 3.9358% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 6,336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 76.8024% | 900 |
| Net loans and leases to deposits | 92.7082% | 957 |
| Net loans and leases to core deposits | 119.9544% | 417 |
| Total domestic deposits to total assets | 82.8432% | 4,980 |
| Equity capital to assets | 16.8731% | 457 |
| Core capital (leverage) ratio | 15.5445% | 572 |
| Tier 1 risk-based capital ratio | 19.1742% | 1,757 |
| Total risk-based capital ratio | 20.1613% | 1,786 |
| Memoranda: | ||
| Average total assets | $46,035,000 | 6,638 |
| Average earning assets | $41,523,500 | 6,630 |
| Average equity | $8,007,500 | 5,601 |
| Average total loans | $35,439,500 | 6,054 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6727% | 5,888 |
| Cost of funding earning assets | 1.2038% | 4,542 |
| Net interest margin | 3.4689% | 5,368 |
| Noninterest income to average assets | 0.5154% | 4,053 |
| Noninterest expense to average assets | 6.2202% | 205 |
| Loan and lease loss provision to assets | 0.7790% | 2,103 |
| Net operating income to assets | -2.0441% | 7,068 |
| Return on assets (ROA) | -2.0441% | 7,079 |
| Pretax return on assets | -3.2770% | 7,335 |
| Return on Equity (ROE) | -8.3939% | 6,645 |
| Retained earnings to average equity (ytd only) | -8.3939% | 6,559 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 166.3257% | 144 |
| Assets per employee ($millions) | 3.7368% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 6,334 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 75.5737% | 1,355 |
| Net loans and leases to deposits | 92.6636% | 1,179 |
| Net loans and leases to core deposits | 127.7539% | 360 |
| Total domestic deposits to total assets | 81.5571% | 5,339 |
| Equity capital to assets | 17.9434% | 375 |
| Core capital (leverage) ratio | 16.6629% | 426 |
| Tier 1 risk-based capital ratio | 19.9897% | 1,489 |
| Total risk-based capital ratio | 20.9298% | 1,527 |
| Memoranda: | ||
| Average total assets | $34,146,600 | 7,071 |
| Average earning assets | $31,566,000 | 7,033 |
| Average equity | $8,315,600 | 5,611 |
| Average total loans | $24,617,600 | 6,700 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5578% | 6,452 |
| Cost of funding earning assets | 1.2018% | 4,859 |
| Net interest margin | 3.3560% | 5,823 |
| Noninterest income to average assets | 0.4872% | 4,286 |
| Noninterest expense to average assets | 6.4858% | 185 |
| Loan and lease loss provision to assets | 0.9744% | 1,536 |
| Net operating income to assets | -2.3935% | 7,324 |
| Return on assets (ROA) | -2.3935% | 7,338 |
| Pretax return on assets | -3.8381% | 7,547 |
| Return on Equity (ROE) | -8.9862% | 6,882 |
| Retained earnings to average equity (ytd only) | -8.9862% | 6,825 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 178.1287% | 118 |
| Assets per employee ($millions) | 3.6876% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 6,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 79.4934% | 827 |
| Net loans and leases to deposits | 102.5934% | 501 |
| Net loans and leases to core deposits | 146.3432% | 209 |
| Total domestic deposits to total assets | 77.4840% | 6,370 |
| Equity capital to assets | 22.1472% | 191 |
| Core capital (leverage) ratio | 20.8399% | 214 |
| Tier 1 risk-based capital ratio | 22.9100% | 1,082 |
| Total risk-based capital ratio | 23.8497% | 1,089 |
| Memoranda: | ||
| Average total assets | $31,473,000 | 7,241 |
| Average earning assets | $29,399,500 | 7,191 |
| Average equity | $8,383,000 | 5,664 |
| Average total loans | $22,213,500 | 6,899 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 7,290 |
| Cost of funding earning assets | 1.1554% | 5,369 |
| Net interest margin | 2.9385% | 6,954 |
| Noninterest income to average assets | 0.5460% | 3,744 |
| Noninterest expense to average assets | 7.1246% | 149 |
| Loan and lease loss provision to assets | 1.5301% | 863 |
| Net operating income to assets | -3.3230% | 7,553 |
| Return on assets (ROA) | -3.3230% | 7,556 |
| Pretax return on assets | -5.3316% | 7,693 |
| Return on Equity (ROE) | -11.6617% | 7,025 |
| Retained earnings to average equity (ytd only) | -11.6617% | 6,983 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 213.1846% | 83 |
| Assets per employee ($millions) | 3.4405% | 5,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 6,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 78.0077% | 1,112 |
| Net loans and leases to deposits | 100.4731% | 683 |
| Net loans and leases to core deposits | 150.4306% | 212 |
| Total domestic deposits to total assets | 77.6404% | 6,356 |
| Equity capital to assets | 21.7466% | 210 |
| Core capital (leverage) ratio | 20.5585% | 218 |
| Tier 1 risk-based capital ratio | 25.1973% | 827 |
| Total risk-based capital ratio | 26.2066% | 831 |
| Memoranda: | ||
| Average total assets | $29,672,000 | 7,356 |
| Average earning assets | $28,041,670 | 7,292 |
| Average equity | $8,455,000 | 5,648 |
| Average total loans | $19,743,330 | 7,082 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3656% | 7,742 |
| Cost of funding earning assets | 1.1164% | 5,822 |
| Net interest margin | 2.2492% | 7,625 |
| Noninterest income to average assets | 0.8286% | 1,888 |
| Noninterest expense to average assets | 8.2078% | 113 |
| Loan and lease loss provision to assets | 1.4070% | 847 |
| Net operating income to assets | -4.1430% | 7,723 |
| Return on assets (ROA) | -4.1430% | 7,727 |
| Pretax return on assets | -6.6444% | 7,828 |
| Return on Equity (ROE) | -12.3723% | 7,231 |
| Retained earnings to average equity (ytd only) | -12.3723% | 7,092 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 274.7368% | 54 |
| Assets per employee ($millions) | 2.5755% | 7,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 6,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 59.3519% | 5,231 |
| Net loans and leases to deposits | 84.8642% | 2,790 |
| Net loans and leases to core deposits | 105.1135% | 1,648 |
| Total domestic deposits to total assets | 69.9375% | 7,409 |
| Equity capital to assets | 29.7977% | 86 |
| Core capital (leverage) ratio | 28.4517% | 96 |
| Tier 1 risk-based capital ratio | 41.8909% | 227 |
| Total risk-based capital ratio | 42.7913% | 224 |
| Memoranda: | ||
| Average total assets | $25,585,500 | 7,578 |
| Average earning assets | $24,364,500 | 7,524 |
| Average equity | $8,567,500 | 5,672 |
| Average total loans | $14,700,500 | 7,420 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4924% | 7,951 |
| Cost of funding earning assets | 0.6245% | 7,759 |
| Net interest margin | 0.8679% | 7,941 |
| Noninterest income to average assets | 0.4933% | 4,466 |
| Noninterest expense to average assets | 8.0201% | 148 |
| Loan and lease loss provision to assets | 0.4069% | 4,374 |
| Net operating income to assets | -4.4296% | 7,672 |
| Return on assets (ROA) | -4.4296% | 7,668 |
| Pretax return on assets | -7.0996% | 7,875 |
| Return on Equity (ROE) | -9.6983% | 6,600 |
| Retained earnings to average equity (ytd only) | -9.6983% | 6,497 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 601.5326% | 26 |
| Assets per employee ($millions) | 2.0764% | 7,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6443% | 7,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 54.0105% | 6,201 |
| Net loans and leases to deposits | 87.7945% | 2,594 |
| Net loans and leases to core deposits | 160.6459% | 335 |
| Total domestic deposits to total assets | 61.5193% | 7,774 |
| Equity capital to assets | 38.0604% | 67 |
| Core capital (leverage) ratio | 38.0604% | 69 |
| Tier 1 risk-based capital ratio | 64.0227% | 98 |
| Total risk-based capital ratio | 64.6119% | 100 |
| Memoranda: | ||
| Average total assets | $19,663,000 | 7,786 |
| Average earning assets | $18,895,330 | 7,735 |
| Average equity | $8,981,000 | 5,613 |
| Average total loans | $8,170,330 | 7,777 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8919% | 8,068 |
| Cost of funding earning assets | 0.4844% | 7,952 |
| Net interest margin | 0.4075% | 8,061 |
| Noninterest income to average assets | 0.4131% | 5,185 |
| Noninterest expense to average assets | 7.3472% | 182 |
| Loan and lease loss provision to assets | 0.1844% | 5,522 |
| Net operating income to assets | -4.1973% | 7,768 |
| Return on assets (ROA) | -4.1973% | 7,773 |
| Pretax return on assets | -6.7275% | 7,951 |
| Return on Equity (ROE) | -8.3140% | 6,758 |
| Retained earnings to average equity (ytd only) | -8.3140% | 6,637 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 909.1743% | 12 |
| Assets per employee ($millions) | 1.8082% | 7,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2720% | 7,924 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 46.0885% | 7,105 |
| Net loans and leases to deposits | 84.7541% | 3,529 |
| Net loans and leases to core deposits | 163.3464% | 337 |
| Total domestic deposits to total assets | 54.3791% | 7,946 |
| Equity capital to assets | 45.1533% | 63 |
| Core capital (leverage) ratio | 45.1533% | 62 |
| Tier 1 risk-based capital ratio | 82.8811% | 72 |
| Total risk-based capital ratio | 83.1118% | 72 |
| Memoranda: | ||
| Average total assets | $18,074,500 | 7,903 |
| Average earning assets | $17,340,500 | 7,864 |
| Average equity | $9,125,000 | 5,624 |
| Average total loans | $6,047,500 | 7,935 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4493% | 8,172 |
| Cost of funding earning assets | 0.2568% | 8,115 |
| Net interest margin | 0.1926% | 8,168 |
| Noninterest income to average assets | 0.3321% | 5,854 |
| Noninterest expense to average assets | 5.4985% | 381 |
| Loan and lease loss provision to assets | 0.3075% | 4,111 |
| Net operating income to assets | -3.2966% | 7,726 |
| Return on assets (ROA) | -3.2966% | 7,724 |
| Pretax return on assets | -5.2894% | 7,897 |
| Return on Equity (ROE) | -5.7827% | 6,686 |
| Retained earnings to average equity (ytd only) | -5.7827% | 6,416 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,059.5238% | 19 |
| Assets per employee ($millions) | 1.6259% | 8,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8612% | 6,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 17.7010% | 8,058 |
| Net loans and leases to deposits | 41.3446% | 7,775 |
| Net loans and leases to core deposits | 93.7154% | 5,148 |
| Total domestic deposits to total assets | 42.8132% | 8,087 |
| Equity capital to assets | 57.0084% | 51 |
| Core capital (leverage) ratio | 57.0084% | 53 |
| Tier 1 risk-based capital ratio | 158.6614% | 45 |
| Total risk-based capital ratio | 159.0894% | 45 |
| Memoranda: | ||
| Average total assets | $16,259,000 | 8,036 |
| Average earning assets | $15,579,000 | 7,988 |
| Average equity | $9,269,000 | 5,591 |
| Average total loans | $2,903,000 | 8,111 |