Home > Sunrise Bank Of San Diego > Performance and Condition Ratios
Sunrise Bank Of San Diego, Performance and Condition Ratios
| 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 | 5.4788% | 4,263 |
| Cost of funding earning assets | 0.6816% | 7,706 |
| Net interest margin | 4.7972% | 697 |
| Noninterest income to average assets | 0.1551% | 6,958 |
| Noninterest expense to average assets | 3.7251% | 1,853 |
| Loan and lease loss provision to assets | 5.0094% | 192 |
| Net operating income to assets | -2.4420% | 7,250 |
| Return on assets (ROA) | -2.4420% | 7,255 |
| Pretax return on assets | -4.1642% | 7,566 |
| Return on Equity (ROE) | -22.2271% | 7,215 |
| Retained earnings to average equity (ytd only) | -22.2271% | 7,185 |
| Net charge-offs to loans | 4.1374% | 383 |
| Credit loss provision to net charge-offs | 148.6798% | 3,130 |
| Earnings coverage of net charge-offs (x) | 0.2508% | 5,869 |
| Efficiency ratio | 81.5074% | 2,671 |
| Assets per employee ($millions) | 4.6569% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9479% | 374 |
| Loan loss allowance to noncurrent loans | 56.9791% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 5.9576% | 950 |
| Noncurrent loans to loans | 6.9287% | 817 |
| Net loans and leases to total assets | 72.1551% | 2,716 |
| Net loans and leases to deposits | 91.4540% | 1,975 |
| Net loans and leases to core deposits | 95.8223% | 4,484 |
| Total domestic deposits to total assets | 78.8977% | 6,008 |
| Equity capital to assets | 10.2535% | 3,455 |
| Core capital (leverage) ratio | 7.3209% | 6,962 |
| Tier 1 risk-based capital ratio | 9.6138% | 7,150 |
| Total risk-based capital ratio | 10.8974% | 7,104 |
| Memoranda: | ||
| Average total assets | $87,675,600 | 5,464 |
| Average earning assets | $80,692,200 | 5,433 |
| Average equity | $9,632,400 | 5,403 |
| Average total loans | $71,396,800 | 4,818 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6419% | 3,623 |
| Cost of funding earning assets | 0.6891% | 7,824 |
| Net interest margin | 4.9528% | 490 |
| Noninterest income to average assets | 0.1640% | 7,029 |
| Noninterest expense to average assets | 3.6913% | 1,840 |
| Loan and lease loss provision to assets | 4.3126% | 245 |
| Net operating income to assets | -2.3857% | 7,441 |
| Return on assets (ROA) | -2.3857% | 7,433 |
| Pretax return on assets | -3.2777% | 7,569 |
| Return on Equity (ROE) | -21.3775% | 7,423 |
| Retained earnings to average equity (ytd only) | -21.3775% | 7,388 |
| Net charge-offs to loans | 2.3490% | 790 |
| Credit loss provision to net charge-offs | 221.3900% | 1,976 |
| Earnings coverage of net charge-offs (x) | 0.5313% | 5,500 |
| Efficiency ratio | 78.1031% | 3,150 |
| Assets per employee ($millions) | 4.2024% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9252% | 314 |
| Loan loss allowance to noncurrent loans | 72.5963% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 5.5813% | 1,016 |
| Noncurrent loans to loans | 5.4069% | 1,165 |
| Net loans and leases to total assets | 76.2993% | 1,933 |
| Net loans and leases to deposits | 97.4412% | 1,387 |
| Net loans and leases to core deposits | 111.7621% | 3,047 |
| Total domestic deposits to total assets | 78.3029% | 6,000 |
| Equity capital to assets | 10.8866% | 3,130 |
| Core capital (leverage) ratio | 8.3637% | 5,725 |
| Tier 1 risk-based capital ratio | 10.9536% | 5,997 |
| Total risk-based capital ratio | 12.2372% | 5,934 |
| Memoranda: | ||
| Average total assets | $88,638,250 | 5,463 |
| Average earning assets | $81,648,750 | 5,435 |
| Average equity | $9,891,750 | 5,365 |
| Average total loans | $73,503,500 | 4,790 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6870% | 3,621 |
| Cost of funding earning assets | 0.6771% | 7,939 |
| Net interest margin | 5.0098% | 420 |
| Noninterest income to average assets | 0.1797% | 7,012 |
| Noninterest expense to average assets | 3.6066% | 2,058 |
| Loan and lease loss provision to assets | 4.1500% | 293 |
| Net operating income to assets | -1.7456% | 7,343 |
| Return on assets (ROA) | -1.7456% | 7,334 |
| Pretax return on assets | -2.9656% | 7,564 |
| Return on Equity (ROE) | -15.5242% | 7,356 |
| Retained earnings to average equity (ytd only) | -15.5242% | 7,270 |
| Net charge-offs to loans | 2.3180% | 767 |
| Credit loss provision to net charge-offs | 213.0979% | 2,160 |
| Earnings coverage of net charge-offs (x) | 0.6082% | 5,102 |
| Efficiency ratio | 75.2778% | 3,833 |
| Assets per employee ($millions) | 4.9702% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7168% | 735 |
| Loan loss allowance to noncurrent loans | 93.7960% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 2.4239% | 2,666 |
| Noncurrent loans to loans | 2.8965% | 2,490 |
| Net loans and leases to total assets | 77.3914% | 1,882 |
| Net loans and leases to deposits | 99.9043% | 1,297 |
| Net loans and leases to core deposits | 112.8747% | 3,028 |
| Total domestic deposits to total assets | 77.4655% | 6,208 |
| Equity capital to assets | 10.1945% | 3,726 |
| Core capital (leverage) ratio | 9.0599% | 4,536 |
| Tier 1 risk-based capital ratio | 10.7469% | 6,140 |
| Total risk-based capital ratio | 12.0149% | 6,056 |
| Memoranda: | ||
| Average total assets | $90,168,330 | 5,454 |
| Average earning assets | $82,997,000 | 5,441 |
| Average equity | $10,139,000 | 5,321 |
| Average total loans | $75,755,330 | 4,745 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6814% | 3,894 |
| Cost of funding earning assets | 0.6930% | 7,996 |
| Net interest margin | 4.9884% | 410 |
| Noninterest income to average assets | 0.2544% | 6,424 |
| Noninterest expense to average assets | 3.6122% | 1,841 |
| Loan and lease loss provision to assets | 3.7576% | 263 |
| Net operating income to assets | -1.4721% | 7,485 |
| Return on assets (ROA) | -1.4721% | 7,496 |
| Pretax return on assets | -2.5035% | 7,661 |
| Return on Equity (ROE) | -12.4675% | 7,494 |
| Retained earnings to average equity (ytd only) | -12.4675% | 7,289 |
| Net charge-offs to loans | 3.6597% | 331 |
| Credit loss provision to net charge-offs | 118.8218% | 3,299 |
| Earnings coverage of net charge-offs (x) | 0.3966% | 4,670 |
| Efficiency ratio | 74.2297% | 3,786 |
| Assets per employee ($millions) | 4.7237% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 2,703 |
| Loan loss allowance to noncurrent loans | 46.1629% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 2.9716% | 1,899 |
| Noncurrent loans to loans | 3.3667% | 1,905 |
| Net loans and leases to total assets | 83.2100% | 823 |
| Net loans and leases to deposits | 108.2224% | 711 |
| Net loans and leases to core deposits | 117.8547% | 2,612 |
| Total domestic deposits to total assets | 76.8880% | 6,308 |
| Equity capital to assets | 11.3248% | 2,704 |
| Core capital (leverage) ratio | 9.9339% | 3,477 |
| Tier 1 risk-based capital ratio | 10.9084% | 5,982 |
| Total risk-based capital ratio | 12.1623% | 5,892 |
| Memoranda: | ||
| Average total assets | $88,036,000 | 5,551 |
| Average earning assets | $81,388,500 | 5,506 |
| Average equity | $10,395,000 | 5,261 |
| Average total loans | $76,071,000 | 4,762 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3432% | 3,719 |
| Cost of funding earning assets | 1.5042% | 7,604 |
| Net interest margin | 4.8390% | 720 |
| Noninterest income to average assets | 0.3211% | 6,157 |
| Noninterest expense to average assets | 3.3559% | 2,810 |
| Loan and lease loss provision to assets | 0.8324% | 1,790 |
| Net operating income to assets | 0.3416% | 5,389 |
| Return on assets (ROA) | 0.3416% | 5,210 |
| Pretax return on assets | 0.5910% | 4,717 |
| Return on Equity (ROE) | 2.8360% | 5,292 |
| Retained earnings to average equity (ytd only) | 1.8907% | 4,051 |
| Net charge-offs to loans | 0.7773% | 1,600 |
| Credit loss provision to net charge-offs | 123.6887% | 4,335 |
| Earnings coverage of net charge-offs (x) | 2.1151% | 5,013 |
| Efficiency ratio | 70.2168% | 4,310 |
| Assets per employee ($millions) | 4.1106% | 3,291 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 3,342 |
| Loan loss allowance to noncurrent loans | 72.6265% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.6716% | 2,911 |
| Noncurrent loans to loans | 1.8917% | 2,920 |
| Net loans and leases to total assets | 87.1551% | 459 |
| Net loans and leases to deposits | 125.1730% | 282 |
| Net loans and leases to core deposits | 135.9708% | 1,486 |
| Total domestic deposits to total assets | 69.6277% | 7,322 |
| Equity capital to assets | 12.3097% | 2,107 |
| Core capital (leverage) ratio | 10.2734% | 3,195 |
| Tier 1 risk-based capital ratio | 11.1248% | 5,620 |
| Total risk-based capital ratio | 12.3754% | 5,501 |
| Memoranda: | ||
| Average total assets | $87,815,600 | 5,427 |
| Average earning assets | $80,905,400 | 5,406 |
| Average equity | $10,578,200 | 5,245 |
| Average total loans | $76,034,400 | 4,651 |