Home > Republic Federal Bank > Performance and Condition Ratios
Republic Federal 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 | 5.0022% | 6,592 |
| Cost of funding earning assets | 1.9490% | 3,624 |
| Net interest margin | 3.0532% | 6,452 |
| Noninterest income to average assets | -0.1579% | 7,953 |
| Noninterest expense to average assets | 6.0911% | 298 |
| Loan and lease loss provision to assets | 1.4139% | 1,361 |
| Net operating income to assets | -4.8363% | 7,827 |
| Return on assets (ROA) | -7.4595% | 7,994 |
| Pretax return on assets | -7.4595% | 7,981 |
| Return on Equity (ROE) | 508.0004% | 3 |
| Retained earnings to average equity (ytd only) | 508.0004% | 2 |
| Net charge-offs to loans | 2.7255% | 659 |
| Credit loss provision to net charge-offs | 65.7841% | 6,069 |
| Earnings coverage of net charge-offs (x) | -1.5923% | 6,706 |
| Efficiency ratio | 224.7020% | 111 |
| Assets per employee ($millions) | 4.8112% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1774% | 1,459 |
| Loan loss allowance to noncurrent loans | 16.1495% | 7,278 |
| Noncurrent assets plus other real estate owned to assets | 14.1955% | 144 |
| Noncurrent loans to loans | 13.4826% | 201 |
| Net loans and leases to total assets | 77.1105% | 1,765 |
| Net loans and leases to deposits | 94.6702% | 1,772 |
| Net loans and leases to core deposits | 155.4477% | 469 |
| Total domestic deposits to total assets | 81.4517% | 4,895 |
| Equity capital to assets | -3.3510% | 8,097 |
| Core capital (leverage) ratio | 1.0568% | 8,070 |
| Tier 1 risk-based capital ratio | 0.9928% | 8,075 |
| Total risk-based capital ratio | 1.9856% | 8,076 |
| Memoranda: | ||
| Average total assets | $456,870,750 | 1,526 |
| Average earning assets | $422,973,500 | 1,507 |
| Average equity | $-6,708,750 | 8,099 |
| Average total loans | $360,288,000 | 1,357 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1533% | 6,243 |
| Cost of funding earning assets | 2.0353% | 3,596 |
| Net interest margin | 3.1181% | 6,180 |
| Noninterest income to average assets | -0.5150% | 8,119 |
| Noninterest expense to average assets | 6.6240% | 257 |
| Loan and lease loss provision to assets | 2.0042% | 809 |
| Net operating income to assets | -6.2699% | 8,010 |
| Return on assets (ROA) | -8.0934% | 8,071 |
| Pretax return on assets | -8.0934% | 8,055 |
| Return on Equity (ROE) | 915.7005% | 4 |
| Retained earnings to average equity (ytd only) | 915.7005% | 4 |
| Net charge-offs to loans | 2.2569% | 795 |
| Credit loss provision to net charge-offs | 112.5937% | 4,113 |
| Earnings coverage of net charge-offs (x) | -2.3964% | 6,377 |
| Efficiency ratio | 276.9568% | 93 |
| Assets per employee ($millions) | 4.6245% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9833% | 574 |
| Loan loss allowance to noncurrent loans | 24.2560% | 6,885 |
| Noncurrent assets plus other real estate owned to assets | 14.1583% | 116 |
| Noncurrent loans to loans | 12.2991% | 210 |
| Net loans and leases to total assets | 77.5236% | 1,855 |
| Net loans and leases to deposits | 95.4346% | 1,883 |
| Net loans and leases to core deposits | 157.2792% | 492 |
| Total domestic deposits to total assets | 81.2321% | 4,984 |
| Equity capital to assets | -2.6884% | 8,187 |
| Core capital (leverage) ratio | 2.2911% | 8,140 |
| Tier 1 risk-based capital ratio | 2.1725% | 8,150 |
| Total risk-based capital ratio | 4.3450% | 8,139 |
| Memoranda: | ||
| Average total assets | $464,824,000 | 1,530 |
| Average earning assets | $428,343,670 | 1,507 |
| Average equity | $-4,108,330 | 8,194 |
| Average total loans | $366,607,670 | 1,360 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4348% | 5,250 |
| Cost of funding earning assets | 2.1551% | 3,391 |
| Net interest margin | 3.2797% | 5,575 |
| Noninterest income to average assets | 1.0260% | 1,413 |
| Noninterest expense to average assets | 7.7852% | 162 |
| Loan and lease loss provision to assets | 3.8177% | 254 |
| Net operating income to assets | -7.5725% | 8,135 |
| Return on assets (ROA) | -9.6505% | 8,160 |
| Pretax return on assets | -9.6505% | 8,149 |
| Return on Equity (ROE) | 17,933.0739% | 2 |
| Retained earnings to average equity (ytd only) | 17,933.0739% | 2 |
| Net charge-offs to loans | 2.9189% | 440 |
| Credit loss provision to net charge-offs | 166.8375% | 2,551 |
| Earnings coverage of net charge-offs (x) | -1.6409% | 5,445 |
| Efficiency ratio | 190.9185% | 215 |
| Assets per employee ($millions) | 4.3751% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1491% | 429 |
| Loan loss allowance to noncurrent loans | 20.3972% | 7,144 |
| Noncurrent assets plus other real estate owned to assets | 15.2516% | 76 |
| Noncurrent loans to loans | 15.4391% | 93 |
| Net loans and leases to total assets | 76.6663% | 2,122 |
| Net loans and leases to deposits | 94.5722% | 2,177 |
| Net loans and leases to core deposits | 156.4780% | 557 |
| Total domestic deposits to total assets | 81.0664% | 4,938 |
| Equity capital to assets | -2.0190% | 8,242 |
| Core capital (leverage) ratio | 3.6635% | 8,180 |
| Tier 1 risk-based capital ratio | 3.5428% | 8,208 |
| Total risk-based capital ratio | 6.5641% | 8,165 |
| Memoranda: | ||
| Average total assets | $477,570,500 | 1,495 |
| Average earning assets | $437,474,500 | 1,485 |
| Average equity | $-257,000 | 8,244 |
| Average total loans | $374,382,500 | 1,338 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2501% | 4,238 |
| Cost of funding earning assets | 2.5722% | 3,836 |
| Net interest margin | 3.6779% | 4,563 |
| Noninterest income to average assets | 0.3943% | 5,516 |
| Noninterest expense to average assets | 5.1728% | 584 |
| Loan and lease loss provision to assets | 1.3905% | 999 |
| Net operating income to assets | -3.4699% | 7,906 |
| Return on assets (ROA) | -4.4012% | 8,025 |
| Pretax return on assets | -3.7376% | 7,846 |
| Return on Equity (ROE) | -64.3070% | 8,217 |
| Retained earnings to average equity (ytd only) | -64.3070% | 8,207 |
| Net charge-offs to loans | 1.3897% | 847 |
| Credit loss provision to net charge-offs | 133.6085% | 3,975 |
| Earnings coverage of net charge-offs (x) | -1.3603% | 6,647 |
| Efficiency ratio | 113.7291% | 636 |
| Assets per employee ($millions) | 4.0557% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6561% | 580 |
| Loan loss allowance to noncurrent loans | 28.5825% | 6,793 |
| Noncurrent assets plus other real estate owned to assets | 9.6211% | 185 |
| Noncurrent loans to loans | 9.2926% | 243 |
| Net loans and leases to total assets | 75.5809% | 2,736 |
| Net loans and leases to deposits | 98.1385% | 2,103 |
| Net loans and leases to core deposits | 161.9900% | 533 |
| Total domestic deposits to total assets | 77.0145% | 5,986 |
| Equity capital to assets | 1.8702% | 8,286 |
| Core capital (leverage) ratio | 5.5335% | 8,158 |
| Tier 1 risk-based capital ratio | 8.3939% | 8,014 |
| Total risk-based capital ratio | 12.2966% | 5,572 |
| Memoranda: | ||
| Average total assets | $570,365,600 | 1,180 |
| Average earning assets | $521,494,400 | 1,182 |
| Average equity | $39,036,200 | 1,728 |
| Average total loans | $427,138,600 | 1,121 |