Home > Sunrise Community Bank > Performance and Condition Ratios
Sunrise Community Bank, 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 | 5.1498% | 5,879 |
| Cost of funding earning assets | 0.5385% | 7,812 |
| Net interest margin | 4.6113% | 961 |
| Noninterest income to average assets | -0.1912% | 7,854 |
| Noninterest expense to average assets | 5.5725% | 374 |
| Loan and lease loss provision to assets | 3.6678% | 410 |
| Net operating income to assets | -7.9416% | 7,931 |
| Return on assets (ROA) | -7.9416% | 7,924 |
| Pretax return on assets | -5.2000% | 7,730 |
| Return on Equity (ROE) | -63.2967% | 7,773 |
| Retained earnings to average equity (ytd only) | -63.2967% | 7,770 |
| Net charge-offs to loans | 2.2442% | 1,052 |
| Credit loss provision to net charge-offs | 209.5035% | 1,833 |
| Earnings coverage of net charge-offs (x) | -0.8752% | 6,855 |
| Efficiency ratio | 137.9226% | 401 |
| Assets per employee ($millions) | 4.6893% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8752% | 387 |
| Loan loss allowance to noncurrent loans | 224.0296% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 2.7936% | 2,502 |
| Noncurrent loans to loans | 1.7298% | 4,038 |
| Net loans and leases to total assets | 71.2350% | 2,943 |
| Net loans and leases to deposits | 77.1525% | 4,537 |
| Net loans and leases to core deposits | 91.1998% | 4,987 |
| Total domestic deposits to total assets | 92.3301% | 213 |
| Equity capital to assets | 7.4851% | 7,045 |
| Core capital (leverage) ratio | 7.2726% | 7,008 |
| Tier 1 risk-based capital ratio | 10.8207% | 6,092 |
| Total risk-based capital ratio | 12.1052% | 6,031 |
| Memoranda: | ||
| Average total assets | $40,269,000 | 7,082 |
| Average earning assets | $36,953,000 | 7,060 |
| Average equity | $5,052,400 | 6,922 |
| Average total loans | $31,414,200 | 6,560 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0367% | 6,490 |
| Cost of funding earning assets | 0.5702% | 7,902 |
| Net interest margin | 4.4665% | 1,277 |
| Noninterest income to average assets | 0.5496% | 4,078 |
| Noninterest expense to average assets | 5.5128% | 374 |
| Loan and lease loss provision to assets | 3.9109% | 314 |
| Net operating income to assets | -8.4786% | 8,019 |
| Return on assets (ROA) | -8.4786% | 8,019 |
| Pretax return on assets | -4.7789% | 7,785 |
| Return on Equity (ROE) | -61.0460% | 7,899 |
| Retained earnings to average equity (ytd only) | -61.0460% | 7,896 |
| Net charge-offs to loans | 2.5946% | 701 |
| Credit loss provision to net charge-offs | 190.6863% | 2,377 |
| Earnings coverage of net charge-offs (x) | -0.4232% | 6,443 |
| Efficiency ratio | 118.6869% | 609 |
| Assets per employee ($millions) | 3.5269% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9961% | 671 |
| Loan loss allowance to noncurrent loans | 89.8826% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 5.0138% | 1,167 |
| Noncurrent loans to loans | 3.3333% | 2,267 |
| Net loans and leases to total assets | 76.1170% | 1,977 |
| Net loans and leases to deposits | 83.8452% | 3,675 |
| Net loans and leases to core deposits | 102.6184% | 4,089 |
| Total domestic deposits to total assets | 90.7828% | 487 |
| Equity capital to assets | 9.0424% | 5,424 |
| Core capital (leverage) ratio | 8.9573% | 4,711 |
| Tier 1 risk-based capital ratio | 12.0813% | 4,896 |
| Total risk-based capital ratio | 13.3535% | 4,822 |
| Memoranda: | ||
| Average total assets | $39,785,250 | 7,160 |
| Average earning assets | $36,478,250 | 7,138 |
| Average equity | $5,525,750 | 6,834 |
| Average total loans | $31,448,750 | 6,600 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0227% | 6,694 |
| Cost of funding earning assets | 0.6335% | 7,969 |
| Net interest margin | 4.3892% | 1,432 |
| Noninterest income to average assets | 0.0873% | 7,537 |
| Noninterest expense to average assets | 5.5420% | 374 |
| Loan and lease loss provision to assets | 2.6965% | 570 |
| Net operating income to assets | -2.4756% | 7,552 |
| Return on assets (ROA) | -2.4756% | 7,544 |
| Pretax return on assets | -4.1655% | 7,769 |
| Return on Equity (ROE) | -15.8240% | 7,371 |
| Retained earnings to average equity (ytd only) | -15.8240% | 7,284 |
| Net charge-offs to loans | 2.7866% | 597 |
| Credit loss provision to net charge-offs | 122.0930% | 3,808 |
| Earnings coverage of net charge-offs (x) | -0.6651% | 6,143 |
| Efficiency ratio | 136.0656% | 470 |
| Assets per employee ($millions) | 3.7553% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6221% | 2,647 |
| Loan loss allowance to noncurrent loans | 33.7539% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 3.8370% | 1,581 |
| Noncurrent loans to loans | 4.8057% | 1,297 |
| Net loans and leases to total assets | 78.5489% | 1,628 |
| Net loans and leases to deposits | 91.8086% | 2,500 |
| Net loans and leases to core deposits | 107.2805% | 3,695 |
| Total domestic deposits to total assets | 85.5573% | 2,991 |
| Equity capital to assets | 14.2224% | 1,241 |
| Core capital (leverage) ratio | 11.1937% | 2,265 |
| Tier 1 risk-based capital ratio | 13.8631% | 3,599 |
| Total risk-based capital ratio | 15.1175% | 3,530 |
| Memoranda: | ||
| Average total assets | $38,939,330 | 7,260 |
| Average earning assets | $35,359,330 | 7,247 |
| Average equity | $6,092,000 | 6,689 |
| Average total loans | $30,861,670 | 6,682 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7515% | 7,433 |
| Cost of funding earning assets | 0.7087% | 7,987 |
| Net interest margin | 4.0429% | 2,476 |
| Noninterest income to average assets | 0.0742% | 7,680 |
| Noninterest expense to average assets | 5.7211% | 330 |
| Loan and lease loss provision to assets | 3.6446% | 278 |
| Net operating income to assets | -3.3161% | 7,890 |
| Return on assets (ROA) | -3.3161% | 7,892 |
| Pretax return on assets | -5.6046% | 8,022 |
| Return on Equity (ROE) | -20.1919% | 7,757 |
| Retained earnings to average equity (ytd only) | -20.1919% | 7,649 |
| Net charge-offs to loans | 3.7716% | 322 |
| Credit loss provision to net charge-offs | 122.4199% | 3,227 |
| Earnings coverage of net charge-offs (x) | -0.6584% | 5,296 |
| Efficiency ratio | 152.1127% | 343 |
| Assets per employee ($millions) | 3.9352% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 2,480 |
| Loan loss allowance to noncurrent loans | 24.9628% | 6,902 |
| Noncurrent assets plus other real estate owned to assets | 5.1205% | 873 |
| Noncurrent loans to loans | 6.4484% | 694 |
| Net loans and leases to total assets | 78.1282% | 1,791 |
| Net loans and leases to deposits | 92.4245% | 2,527 |
| Net loans and leases to core deposits | 107.5338% | 3,739 |
| Total domestic deposits to total assets | 84.5319% | 3,447 |
| Equity capital to assets | 15.3588% | 995 |
| Core capital (leverage) ratio | 12.2171% | 1,806 |
| Tier 1 risk-based capital ratio | 15.3004% | 2,941 |
| Total risk-based capital ratio | 16.5538% | 2,874 |
| Memoranda: | ||
| Average total assets | $37,755,000 | 7,341 |
| Average earning assets | $34,431,000 | 7,338 |
| Average equity | $6,200,500 | 6,689 |
| Average total loans | $29,801,500 | 6,781 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1099% | 4,991 |
| Cost of funding earning assets | 1.0183% | 8,045 |
| Net interest margin | 5.0916% | 414 |
| Noninterest income to average assets | 0.2093% | 6,945 |
| Noninterest expense to average assets | 7.8519% | 228 |
| Loan and lease loss provision to assets | 0.6453% | 2,253 |
| Net operating income to assets | -2.2499% | 7,652 |
| Return on assets (ROA) | -2.2499% | 7,617 |
| Pretax return on assets | -3.7533% | 7,849 |
| Return on Equity (ROE) | -9.6914% | 7,258 |
| Retained earnings to average equity (ytd only) | -9.6914% | 7,047 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 165.5147% | 293 |
| Assets per employee ($millions) | 2.7814% | 6,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 2,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 77.2028% | 2,326 |
| Net loans and leases to deposits | 94.0279% | 2,752 |
| Net loans and leases to core deposits | 100.7907% | 4,746 |
| Total domestic deposits to total assets | 82.1063% | 4,156 |
| Equity capital to assets | 17.5812% | 708 |
| Core capital (leverage) ratio | 14.3878% | 1,168 |
| Tier 1 risk-based capital ratio | 18.0689% | 2,022 |
| Total risk-based capital ratio | 19.3210% | 1,971 |
| Memoranda: | ||
| Average total assets | $28,668,200 | 7,696 |
| Average earning assets | $25,532,400 | 7,713 |
| Average equity | $6,655,400 | 6,583 |
| Average total loans | $22,932,200 | 7,142 |