Home > Riverside Bank of the Gulf Coast > Performance and Condition Ratios
Riverside Bank of the Gulf Coast, Performance and Condition Ratios
| 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 | 5.5090% | 7,280 |
| Cost of funding earning assets | 3.7936% | 206 |
| Net interest margin | 1.7154% | 8,151 |
| Noninterest income to average assets | 0.6780% | 3,268 |
| Noninterest expense to average assets | 3.2866% | 3,012 |
| Loan and lease loss provision to assets | 7.7465% | 30 |
| Net operating income to assets | -8.8864% | 8,242 |
| Return on assets (ROA) | -8.8303% | 8,237 |
| Pretax return on assets | -8.8303% | 8,224 |
| Return on Equity (ROE) | -201.6751% | 8,299 |
| Retained earnings to average equity (ytd only) | -201.6751% | 8,298 |
| Net charge-offs to loans | 8.0681% | 26 |
| Credit loss provision to net charge-offs | 134.4674% | 3,959 |
| Earnings coverage of net charge-offs (x) | -0.1979% | 6,374 |
| Efficiency ratio | 153.1033% | 332 |
| Assets per employee ($millions) | 4.1894% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0529% | 179 |
| Loan loss allowance to noncurrent loans | 30.0407% | 6,705 |
| Noncurrent assets plus other real estate owned to assets | 10.5075% | 139 |
| Noncurrent loans to loans | 13.4913% | 90 |
| Net loans and leases to total assets | 68.4393% | 4,383 |
| Net loans and leases to deposits | 84.7862% | 4,292 |
| Net loans and leases to core deposits | 140.4568% | 1,241 |
| Total domestic deposits to total assets | 80.7198% | 4,765 |
| Equity capital to assets | -0.4955% | 8,301 |
| Core capital (leverage) ratio | 1.2346% | 8,294 |
| Tier 1 risk-based capital ratio | 1.7825% | 8,294 |
| Total risk-based capital ratio | 3.0354% | 8,294 |
| Memoranda: | ||
| Average total assets | $557,661,000 | 1,218 |
| Average earning assets | $477,441,200 | 1,294 |
| Average equity | $24,417,000 | 2,697 |
| Average total loans | $398,186,400 | 1,218 |