Home > Sunrise Bank of Arizona > Performance and Condition Ratios
Sunrise Bank of Arizona, 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 | 5.1585% | 6,072 |
| Cost of funding earning assets | 2.3542% | 1,787 |
| Net interest margin | 2.8043% | 7,054 |
| Noninterest income to average assets | 0.6898% | 3,091 |
| Noninterest expense to average assets | 3.8140% | 1,567 |
| Loan and lease loss provision to assets | 4.7542% | 195 |
| Net operating income to assets | -5.6711% | 7,903 |
| Return on assets (ROA) | -5.8143% | 7,913 |
| Pretax return on assets | -5.3835% | 7,852 |
| Return on Equity (ROE) | -81.1909% | 7,969 |
| Retained earnings to average equity (ytd only) | -81.1909% | 7,968 |
| Net charge-offs to loans | 5.2697% | 194 |
| Credit loss provision to net charge-offs | 113.0457% | 4,494 |
| Earnings coverage of net charge-offs (x) | -0.1156% | 6,202 |
| Efficiency ratio | 114.6046% | 681 |
| Assets per employee ($millions) | 2.6742% | 6,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8915% | 2,058 |
| Loan loss allowance to noncurrent loans | 14.9230% | 7,334 |
| Noncurrent assets plus other real estate owned to assets | 12.2501% | 213 |
| Noncurrent loans to loans | 12.6751% | 239 |
| Net loans and leases to total assets | 77.3979% | 1,699 |
| Net loans and leases to deposits | 92.3109% | 2,188 |
| Net loans and leases to core deposits | 132.5632% | 1,305 |
| Total domestic deposits to total assets | 83.8448% | 3,797 |
| Equity capital to assets | 6.1255% | 7,835 |
| Core capital (leverage) ratio | 5.7263% | 7,847 |
| Tier 1 risk-based capital ratio | 7.6145% | 7,843 |
| Total risk-based capital ratio | 8.8716% | 7,847 |
| Memoranda: | ||
| Average total assets | $125,640,500 | 4,458 |
| Average earning assets | $118,197,500 | 4,381 |
| Average equity | $8,997,500 | 5,662 |
| Average total loans | $100,269,750 | 3,977 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3895% | 5,202 |
| Cost of funding earning assets | 2.5656% | 1,386 |
| Net interest margin | 2.8238% | 6,969 |
| Noninterest income to average assets | 0.1691% | 7,079 |
| Noninterest expense to average assets | 3.6562% | 1,931 |
| Loan and lease loss provision to assets | 5.9424% | 141 |
| Net operating income to assets | -4.1589% | 7,854 |
| Return on assets (ROA) | -4.1589% | 7,850 |
| Pretax return on assets | -6.7727% | 8,010 |
| Return on Equity (ROE) | -55.7541% | 7,956 |
| Retained earnings to average equity (ytd only) | -55.7541% | 7,953 |
| Net charge-offs to loans | 5.3765% | 218 |
| Credit loss provision to net charge-offs | 138.0357% | 3,386 |
| Earnings coverage of net charge-offs (x) | -0.1929% | 5,877 |
| Efficiency ratio | 129.3798% | 529 |
| Assets per employee ($millions) | 3.2432% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3706% | 1,024 |
| Loan loss allowance to noncurrent loans | 23.6344% | 6,930 |
| Noncurrent assets plus other real estate owned to assets | 7.9638% | 478 |
| Noncurrent loans to loans | 10.0302% | 351 |
| Net loans and leases to total assets | 65.6788% | 4,630 |
| Net loans and leases to deposits | 78.3704% | 4,807 |
| Net loans and leases to core deposits | 123.4340% | 2,073 |
| Total domestic deposits to total assets | 83.8056% | 3,870 |
| Equity capital to assets | 6.6136% | 7,784 |
| Core capital (leverage) ratio | 5.5495% | 7,979 |
| Tier 1 risk-based capital ratio | 7.7924% | 7,933 |
| Total risk-based capital ratio | 9.0551% | 7,949 |
| Memoranda: | ||
| Average total assets | $130,081,670 | 4,389 |
| Average earning assets | $122,386,330 | 4,314 |
| Average equity | $9,703,330 | 5,455 |
| Average total loans | $104,157,330 | 3,906 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6480% | 4,060 |
| Cost of funding earning assets | 2.7166% | 1,223 |
| Net interest margin | 2.9315% | 6,663 |
| Noninterest income to average assets | 0.1595% | 7,168 |
| Noninterest expense to average assets | 3.4579% | 2,211 |
| Loan and lease loss provision to assets | 3.7960% | 256 |
| Net operating income to assets | -2.6476% | 7,794 |
| Return on assets (ROA) | -2.6476% | 7,789 |
| Pretax return on assets | -4.3096% | 7,938 |
| Return on Equity (ROE) | -33.3886% | 7,930 |
| Retained earnings to average equity (ytd only) | -33.3886% | 7,890 |
| Net charge-offs to loans | 3.1355% | 407 |
| Credit loss provision to net charge-offs | 138.8565% | 2,932 |
| Earnings coverage of net charge-offs (x) | -0.1879% | 5,125 |
| Efficiency ratio | 117.4431% | 670 |
| Assets per employee ($millions) | 4.2385% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 3,638 |
| Loan loss allowance to noncurrent loans | 17.7958% | 7,276 |
| Noncurrent assets plus other real estate owned to assets | 6.5840% | 552 |
| Noncurrent loans to loans | 7.7255% | 479 |
| Net loans and leases to total assets | 81.4588% | 1,108 |
| Net loans and leases to deposits | 102.8017% | 1,110 |
| Net loans and leases to core deposits | 147.3722% | 800 |
| Total domestic deposits to total assets | 79.2388% | 5,629 |
| Equity capital to assets | 7.1830% | 7,580 |
| Core capital (leverage) ratio | 7.8682% | 6,666 |
| Tier 1 risk-based capital ratio | 8.8720% | 7,856 |
| Total risk-based capital ratio | 10.1232% | 7,899 |
| Memoranda: | ||
| Average total assets | $125,394,500 | 4,512 |
| Average earning assets | $119,121,500 | 4,409 |
| Average equity | $9,943,500 | 5,403 |
| Average total loans | $109,327,500 | 3,801 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9087% | 1,370 |
| Cost of funding earning assets | 3.1318% | 1,408 |
| Net interest margin | 3.7768% | 4,115 |
| Noninterest income to average assets | 0.1596% | 7,281 |
| Noninterest expense to average assets | 4.0182% | 1,390 |
| Loan and lease loss provision to assets | 0.2976% | 4,003 |
| Net operating income to assets | -0.3617% | 6,785 |
| Return on assets (ROA) | -0.3617% | 6,657 |
| Pretax return on assets | -0.5828% | 6,722 |
| Return on Equity (ROE) | -3.8765% | 6,729 |
| Retained earnings to average equity (ytd only) | -9.4372% | 7,020 |
| Net charge-offs to loans | 0.2894% | 3,473 |
| Credit loss provision to net charge-offs | 110.4938% | 4,879 |
| Earnings coverage of net charge-offs (x) | -1.0586% | 6,602 |
| Efficiency ratio | 107.6392% | 766 |
| Assets per employee ($millions) | 3.7311% | 4,102 |
| Cash dividends to net income (ytd only)* | -143.4483% | 8,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 5,604 |
| Loan loss allowance to noncurrent loans | 31.2652% | 6,640 |
| Noncurrent assets plus other real estate owned to assets | 3.3284% | 1,358 |
| Noncurrent loans to loans | 3.3660% | 1,533 |
| Net loans and leases to total assets | 91.2702% | 116 |
| Net loans and leases to deposits | 117.7096% | 452 |
| Net loans and leases to core deposits | 150.4743% | 839 |
| Total domestic deposits to total assets | 77.5384% | 5,864 |
| Equity capital to assets | 8.7516% | 5,729 |
| Core capital (leverage) ratio | 8.7290% | 5,153 |
| Tier 1 risk-based capital ratio | 9.3833% | 7,428 |
| Total risk-based capital ratio | 10.4098% | 7,622 |
| Memoranda: | ||
| Average total assets | $120,278,200 | 4,510 |
| Average earning assets | $113,799,000 | 4,422 |
| Average equity | $11,221,600 | 5,061 |
| Average total loans | $111,964,400 | 3,637 |