Home > Sunrise Bank of Atlanta > Performance and Condition Ratios
Sunrise Bank of Atlanta, Performance and Condition Ratios
| 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 | 4.9619% | 5,119 |
| Cost of funding earning assets | 2.2430% | 406 |
| Net interest margin | 2.7189% | 7,237 |
| Noninterest income to average assets | -2.5964% | 7,822 |
| Noninterest expense to average assets | 4.9959% | 377 |
| Loan and lease loss provision to assets | 7.3953% | 35 |
| Net operating income to assets | -12.6347% | 7,821 |
| Return on assets (ROA) | -12.6347% | 7,821 |
| Pretax return on assets | -12.6347% | 7,821 |
| Return on Equity (ROE) | -348.1573% | 7,823 |
| Retained earnings to average equity (ytd only) | -348.1573% | 7,823 |
| Net charge-offs to loans | 9.6646% | 37 |
| Credit loss provision to net charge-offs | 104.3984% | 3,907 |
| Earnings coverage of net charge-offs (x) | -0.7396% | 6,078 |
| Efficiency ratio | -2,051.4706% | 7,828 |
| Assets per employee ($millions) | 3.3019% | 5,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3457% | 48 |
| Loan loss allowance to noncurrent loans | 35.9637% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 23.4370% | 30 |
| Noncurrent loans to loans | 20.4253% | 77 |
| Net loans and leases to total assets | 64.4148% | 4,172 |
| Net loans and leases to deposits | 71.1901% | 5,119 |
| Net loans and leases to core deposits | 95.5793% | 2,496 |
| Total domestic deposits to total assets | 90.4829% | 688 |
| Equity capital to assets | 1.3382% | 7,809 |
| Core capital (leverage) ratio | 1.2609% | 7,805 |
| Tier 1 risk-based capital ratio | 1.8810% | 7,802 |
| Total risk-based capital ratio | 3.2033% | 7,798 |
| Memoranda: | ||
| Average total assets | $55,846,000 | 6,462 |
| Average earning assets | $48,328,000 | 6,540 |
| Average equity | $2,026,670 | 7,656 |
| Average total loans | $40,933,000 | 6,014 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0179% | 4,938 |
| Cost of funding earning assets | 2.3110% | 419 |
| Net interest margin | 2.7069% | 7,291 |
| Noninterest income to average assets | -4.4356% | 7,929 |
| Noninterest expense to average assets | 4.7146% | 470 |
| Loan and lease loss provision to assets | 0.8369% | 1,516 |
| Net operating income to assets | -7.6508% | 7,861 |
| Return on assets (ROA) | -7.6508% | 7,862 |
| Pretax return on assets | -7.6508% | 7,853 |
| Return on Equity (ROE) | -163.3352% | 7,874 |
| Retained earnings to average equity (ytd only) | -163.3352% | 7,872 |
| Net charge-offs to loans | 6.3111% | 168 |
| Credit loss provision to net charge-offs | 17.6730% | 4,971 |
| Earnings coverage of net charge-offs (x) | -1.4389% | 5,427 |
| Efficiency ratio | -224.5847% | 7,928 |
| Assets per employee ($millions) | 3.6708% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8440% | 196 |
| Loan loss allowance to noncurrent loans | 27.9602% | 6,533 |
| Noncurrent assets plus other real estate owned to assets | 20.3429% | 53 |
| Noncurrent loans to loans | 17.3245% | 126 |
| Net loans and leases to total assets | 68.6326% | 3,247 |
| Net loans and leases to deposits | 78.5647% | 3,929 |
| Net loans and leases to core deposits | 107.7289% | 1,438 |
| Total domestic deposits to total assets | 87.3580% | 2,432 |
| Equity capital to assets | 5.3428% | 7,688 |
| Core capital (leverage) ratio | 5.4543% | 7,659 |
| Tier 1 risk-based capital ratio | 6.8778% | 7,707 |
| Total risk-based capital ratio | 8.1688% | 7,709 |
| Memoranda: | ||
| Average total assets | $57,353,500 | 6,493 |
| Average earning assets | $49,502,500 | 6,570 |
| Average equity | $2,686,500 | 7,585 |
| Average total loans | $43,035,000 | 5,980 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6877% | 3,170 |
| Cost of funding earning assets | 2.6553% | 662 |
| Net interest margin | 3.0324% | 6,556 |
| Noninterest income to average assets | 0.6180% | 3,505 |
| Noninterest expense to average assets | 4.5875% | 726 |
| Loan and lease loss provision to assets | 4.0432% | 329 |
| Net operating income to assets | -7.0998% | 7,898 |
| Return on assets (ROA) | -7.0998% | 7,893 |
| Pretax return on assets | -5.3328% | 7,744 |
| Return on Equity (ROE) | -84.7359% | 7,884 |
| Retained earnings to average equity (ytd only) | -84.7359% | 7,879 |
| Net charge-offs to loans | 1.7872% | 1,401 |
| Credit loss provision to net charge-offs | 278.7529% | 1,230 |
| Earnings coverage of net charge-offs (x) | -0.8891% | 6,859 |
| Efficiency ratio | 139.1061% | 395 |
| Assets per employee ($millions) | 3.4984% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9737% | 100 |
| Loan loss allowance to noncurrent loans | 46.0738% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 19.7610% | 58 |
| Noncurrent loans to loans | 12.9656% | 243 |
| Net loans and leases to total assets | 73.4216% | 2,399 |
| Net loans and leases to deposits | 83.9262% | 3,290 |
| Net loans and leases to core deposits | 94.3327% | 4,646 |
| Total domestic deposits to total assets | 87.4835% | 2,227 |
| Equity capital to assets | 3.9929% | 7,859 |
| Core capital (leverage) ratio | 3.9170% | 7,850 |
| Tier 1 risk-based capital ratio | 4.9134% | 7,877 |
| Total risk-based capital ratio | 6.2192% | 7,874 |
| Memoranda: | ||
| Average total assets | $59,705,600 | 6,360 |
| Average earning assets | $52,763,200 | 6,422 |
| Average equity | $5,002,600 | 6,938 |
| Average total loans | $48,454,400 | 5,740 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8276% | 2,765 |
| Cost of funding earning assets | 2.7450% | 696 |
| Net interest margin | 3.0826% | 6,357 |
| Noninterest income to average assets | 0.6552% | 3,322 |
| Noninterest expense to average assets | 4.3294% | 875 |
| Loan and lease loss provision to assets | 1.4138% | 1,362 |
| Net operating income to assets | -4.6768% | 7,811 |
| Return on assets (ROA) | -4.6768% | 7,812 |
| Pretax return on assets | -2.3571% | 7,301 |
| Return on Equity (ROE) | -49.8012% | 7,831 |
| Retained earnings to average equity (ytd only) | -49.8012% | 7,827 |
| Net charge-offs to loans | 0.6473% | 2,742 |
| Credit loss provision to net charge-offs | 266.8050% | 1,587 |
| Earnings coverage of net charge-offs (x) | -1.7801% | 6,725 |
| Efficiency ratio | 127.8571% | 496 |
| Assets per employee ($millions) | 4.1092% | 3,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1613% | 583 |
| Loan loss allowance to noncurrent loans | 46.5227% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 12.3416% | 209 |
| Noncurrent loans to loans | 6.7951% | 820 |
| Net loans and leases to total assets | 78.0076% | 1,568 |
| Net loans and leases to deposits | 92.5299% | 2,148 |
| Net loans and leases to core deposits | 104.3045% | 3,898 |
| Total domestic deposits to total assets | 84.3053% | 3,576 |
| Equity capital to assets | 7.4345% | 7,351 |
| Core capital (leverage) ratio | 7.2057% | 7,263 |
| Tier 1 risk-based capital ratio | 9.0478% | 7,604 |
| Total risk-based capital ratio | 10.3213% | 7,601 |
| Memoranda: | ||
| Average total assets | $60,638,500 | 6,367 |
| Average earning assets | $53,719,750 | 6,435 |
| Average equity | $5,694,500 | 6,780 |
| Average total loans | $49,641,000 | 5,741 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8035% | 3,026 |
| Cost of funding earning assets | 2.9309% | 569 |
| Net interest margin | 2.8725% | 6,862 |
| Noninterest income to average assets | 0.9664% | 1,708 |
| Noninterest expense to average assets | 4.1508% | 1,127 |
| Loan and lease loss provision to assets | 0.5221% | 2,936 |
| Net operating income to assets | -0.6972% | 6,749 |
| Return on assets (ROA) | -0.6972% | 6,749 |
| Pretax return on assets | -1.1544% | 6,908 |
| Return on Equity (ROE) | -6.9726% | 6,795 |
| Retained earnings to average equity (ytd only) | -6.9726% | 6,552 |
| Net charge-offs to loans | 0.6070% | 2,523 |
| Credit loss provision to net charge-offs | 104.5455% | 4,394 |
| Earnings coverage of net charge-offs (x) | -1.2662% | 6,280 |
| Efficiency ratio | 117.9724% | 706 |
| Assets per employee ($millions) | 4.0339% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2230% | 1,202 |
| Loan loss allowance to noncurrent loans | 63.7284% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 8.7970% | 391 |
| Noncurrent loans to loans | 3.4883% | 2,014 |
| Net loans and leases to total assets | 77.7785% | 1,802 |
| Net loans and leases to deposits | 94.7895% | 1,977 |
| Net loans and leases to core deposits | 108.6830% | 3,531 |
| Total domestic deposits to total assets | 82.0539% | 4,672 |
| Equity capital to assets | 10.0365% | 3,890 |
| Core capital (leverage) ratio | 8.2343% | 5,911 |
| Tier 1 risk-based capital ratio | 10.0094% | 6,906 |
| Total risk-based capital ratio | 11.2717% | 6,828 |
| Memoranda: | ||
| Average total assets | $61,675,000 | 6,388 |
| Average earning assets | $54,794,670 | 6,435 |
| Average equity | $6,167,000 | 6,659 |
| Average total loans | $50,740,670 | 5,739 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5779% | 4,479 |
| Cost of funding earning assets | 3.0876% | 470 |
| Net interest margin | 2.4903% | 7,517 |
| Noninterest income to average assets | 0.7646% | 2,510 |
| Noninterest expense to average assets | 4.1505% | 999 |
| Loan and lease loss provision to assets | 0.3534% | 3,195 |
| Net operating income to assets | -0.9509% | 7,224 |
| Return on assets (ROA) | -0.9509% | 7,249 |
| Pretax return on assets | -1.5163% | 7,367 |
| Return on Equity (ROE) | -9.5269% | 7,332 |
| Retained earnings to average equity (ytd only) | -9.5269% | 7,061 |
| Net charge-offs to loans | 1.1529% | 1,190 |
| Credit loss provision to net charge-offs | 36.6667% | 4,858 |
| Earnings coverage of net charge-offs (x) | -1.2067% | 5,401 |
| Efficiency ratio | 138.9247% | 418 |
| Assets per employee ($millions) | 3.8018% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9029% | 1,615 |
| Loan loss allowance to noncurrent loans | 33.2532% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 6.7714% | 522 |
| Noncurrent loans to loans | 5.7225% | 862 |
| Net loans and leases to total assets | 82.0349% | 1,014 |
| Net loans and leases to deposits | 99.9659% | 1,411 |
| Net loans and leases to core deposits | 118.3357% | 2,569 |
| Total domestic deposits to total assets | 82.0628% | 4,525 |
| Equity capital to assets | 10.0939% | 3,885 |
| Core capital (leverage) ratio | 8.2152% | 6,068 |
| Tier 1 risk-based capital ratio | 10.0878% | 6,818 |
| Total risk-based capital ratio | 11.3458% | 6,727 |
| Memoranda: | ||
| Average total assets | $62,258,000 | 6,389 |
| Average earning assets | $55,576,500 | 6,431 |
| Average equity | $6,214,000 | 6,685 |
| Average total loans | $52,044,500 | 5,715 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4336% | 470 |
| Cost of funding earning assets | 3.6317% | 339 |
| Net interest margin | 3.8018% | 4,009 |
| Noninterest income to average assets | 0.7091% | 3,061 |
| Noninterest expense to average assets | 4.4069% | 952 |
| Loan and lease loss provision to assets | 1.3685% | 1,022 |
| Net operating income to assets | -0.9489% | 7,221 |
| Return on assets (ROA) | -0.9489% | 7,141 |
| Pretax return on assets | -1.5449% | 7,278 |
| Return on Equity (ROE) | -8.3871% | 7,147 |
| Retained earnings to average equity (ytd only) | -8.3871% | 6,910 |
| Net charge-offs to loans | 0.9627% | 1,284 |
| Credit loss provision to net charge-offs | 161.0887% | 3,207 |
| Earnings coverage of net charge-offs (x) | -0.2077% | 6,378 |
| Efficiency ratio | 104.1700% | 863 |
| Assets per employee ($millions) | 3.7463% | 4,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9974% | 1,227 |
| Loan loss allowance to noncurrent loans | 395.1673% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 1.2656% | 3,694 |
| Noncurrent loans to loans | 0.5054% | 5,833 |
| Net loans and leases to total assets | 81.8958% | 1,247 |
| Net loans and leases to deposits | 98.2278% | 2,089 |
| Net loans and leases to core deposits | 110.8497% | 3,703 |
| Total domestic deposits to total assets | 83.3734% | 3,626 |
| Equity capital to assets | 9.8733% | 4,190 |
| Core capital (leverage) ratio | 8.1863% | 6,187 |
| Tier 1 risk-based capital ratio | 9.7848% | 6,970 |
| Total risk-based capital ratio | 11.0432% | 6,855 |
| Memoranda: | ||
| Average total assets | $58,385,800 | 6,436 |
| Average earning assets | $54,079,000 | 6,411 |
| Average equity | $6,605,400 | 6,604 |
| Average total loans | $51,524,200 | 5,644 |