Home > Sunshine State Community Bank > Performance and Condition Ratios
Sunshine State Community Bank, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9157% | 4,936 |
| Cost of funding earning assets | 1.5579% | 2,316 |
| Net interest margin | 3.3578% | 5,767 |
| Noninterest income to average assets | 0.1605% | 6,570 |
| Noninterest expense to average assets | 4.0642% | 1,073 |
| Loan and lease loss provision to assets | 3.6527% | 196 |
| Net operating income to assets | -4.6068% | 7,497 |
| Return on assets (ROA) | -4.3416% | 7,491 |
| Pretax return on assets | -4.3416% | 7,484 |
| Return on Equity (ROE) | -136.9259% | 7,630 |
| Retained earnings to average equity (ytd only) | -136.9259% | 7,630 |
| Net charge-offs to loans | 5.3176% | 151 |
| Credit loss provision to net charge-offs | 101.4257% | 4,475 |
| Earnings coverage of net charge-offs (x) | -0.2650% | 6,335 |
| Efficiency ratio | 130.6810% | 310 |
| Assets per employee ($millions) | 2.9888% | 6,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7310% | 237 |
| Loan loss allowance to noncurrent loans | 23.1211% | 6,690 |
| Noncurrent assets plus other real estate owned to assets | 19.7202% | 70 |
| Noncurrent loans to loans | 20.4621% | 67 |
| Net loans and leases to total assets | 64.6470% | 3,736 |
| Net loans and leases to deposits | 69.5301% | 4,876 |
| Net loans and leases to core deposits | 71.5891% | 5,254 |
| Total domestic deposits to total assets | 92.9770% | 142 |
| Equity capital to assets | 1.3383% | 7,626 |
| Core capital (leverage) ratio | 1.3302% | 7,625 |
| Tier 1 risk-based capital ratio | 1.9667% | 7,621 |
| Total risk-based capital ratio | 3.2559% | 7,621 |
| Memoranda: | ||
| Average total assets | $140,226,000 | 4,053 |
| Average earning assets | $123,177,600 | 4,163 |
| Average equity | $4,446,200 | 6,837 |
| Average total loans | $94,967,400 | 3,925 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9146% | 5,201 |
| Cost of funding earning assets | 1.5655% | 2,578 |
| Net interest margin | 3.3491% | 5,849 |
| Noninterest income to average assets | 0.2965% | 5,764 |
| Noninterest expense to average assets | 3.9795% | 1,069 |
| Loan and lease loss provision to assets | 4.6707% | 111 |
| Net operating income to assets | -5.3944% | 7,673 |
| Return on assets (ROA) | -5.0497% | 7,657 |
| Pretax return on assets | -5.0497% | 7,647 |
| Return on Equity (ROE) | -141.4333% | 7,723 |
| Retained earnings to average equity (ytd only) | -141.4333% | 7,723 |
| Net charge-offs to loans | 5.6979% | 124 |
| Credit loss provision to net charge-offs | 121.0906% | 3,399 |
| Earnings coverage of net charge-offs (x) | -0.1876% | 6,171 |
| Efficiency ratio | 122.2254% | 370 |
| Assets per employee ($millions) | 3.0989% | 5,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3177% | 142 |
| Loan loss allowance to noncurrent loans | 27.9473% | 6,452 |
| Noncurrent assets plus other real estate owned to assets | 16.6425% | 114 |
| Noncurrent loans to loans | 19.0277% | 91 |
| Net loans and leases to total assets | 61.7461% | 4,583 |
| Net loans and leases to deposits | 66.4319% | 5,620 |
| Net loans and leases to core deposits | 68.0564% | 5,930 |
| Total domestic deposits to total assets | 92.9466% | 101 |
| Equity capital to assets | 1.7691% | 7,728 |
| Core capital (leverage) ratio | 1.6858% | 7,725 |
| Tier 1 risk-based capital ratio | 2.5733% | 7,721 |
| Total risk-based capital ratio | 3.8711% | 7,721 |
| Memoranda: | ||
| Average total assets | $143,899,750 | 4,038 |
| Average earning assets | $127,154,500 | 4,133 |
| Average equity | $5,137,750 | 6,709 |
| Average total loans | $97,413,750 | 3,934 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9920% | 4,977 |
| Cost of funding earning assets | 1.5527% | 2,945 |
| Net interest margin | 3.4392% | 5,482 |
| Noninterest income to average assets | 0.5585% | 3,640 |
| Noninterest expense to average assets | 4.0720% | 956 |
| Loan and lease loss provision to assets | 3.5052% | 247 |
| Net operating income to assets | -3.9716% | 7,616 |
| Return on assets (ROA) | -3.7501% | 7,605 |
| Pretax return on assets | -3.7501% | 7,573 |
| Return on Equity (ROE) | -90.4446% | 7,722 |
| Retained earnings to average equity (ytd only) | -90.4446% | 7,719 |
| Net charge-offs to loans | 4.8347% | 222 |
| Credit loss provision to net charge-offs | 105.8579% | 3,851 |
| Earnings coverage of net charge-offs (x) | -0.1408% | 5,839 |
| Efficiency ratio | 112.9340% | 506 |
| Assets per employee ($millions) | 3.4610% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2592% | 299 |
| Loan loss allowance to noncurrent loans | 24.5449% | 6,703 |
| Noncurrent assets plus other real estate owned to assets | 15.1217% | 143 |
| Noncurrent loans to loans | 17.3526% | 124 |
| Net loans and leases to total assets | 60.5054% | 4,963 |
| Net loans and leases to deposits | 65.9953% | 5,805 |
| Net loans and leases to core deposits | 67.6396% | 6,089 |
| Total domestic deposits to total assets | 91.6813% | 296 |
| Equity capital to assets | 3.4974% | 7,725 |
| Core capital (leverage) ratio | 3.5062% | 7,708 |
| Tier 1 risk-based capital ratio | 5.1480% | 7,689 |
| Total risk-based capital ratio | 6.4335% | 7,691 |
| Memoranda: | ||
| Average total assets | $145,383,000 | 4,040 |
| Average earning assets | $128,807,330 | 4,113 |
| Average equity | $6,028,000 | 6,459 |
| Average total loans | $99,571,330 | 3,913 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3898% | 3,084 |
| Cost of funding earning assets | 1.5655% | 3,168 |
| Net interest margin | 3.8243% | 3,688 |
| Noninterest income to average assets | 0.6905% | 2,662 |
| Noninterest expense to average assets | 4.1287% | 871 |
| Loan and lease loss provision to assets | 6.4876% | 101 |
| Net operating income to assets | -6.5524% | 7,834 |
| Return on assets (ROA) | -6.3495% | 7,831 |
| Pretax return on assets | -6.3495% | 7,819 |
| Return on Equity (ROE) | -141.2761% | 7,864 |
| Retained earnings to average equity (ytd only) | -141.2761% | 7,861 |
| Net charge-offs to loans | 7.9733% | 97 |
| Credit loss provision to net charge-offs | 114.0733% | 3,045 |
| Earnings coverage of net charge-offs (x) | -0.0114% | 5,033 |
| Efficiency ratio | 101.5950% | 796 |
| Assets per employee ($millions) | 3.2165% | 5,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3162% | 288 |
| Loan loss allowance to noncurrent loans | 40.7102% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 11.2239% | 317 |
| Noncurrent loans to loans | 10.6023% | 384 |
| Net loans and leases to total assets | 66.4455% | 3,760 |
| Net loans and leases to deposits | 72.9963% | 4,907 |
| Net loans and leases to core deposits | 74.0966% | 5,491 |
| Total domestic deposits to total assets | 91.0258% | 532 |
| Equity capital to assets | 3.8063% | 7,811 |
| Core capital (leverage) ratio | 3.9636% | 7,782 |
| Tier 1 risk-based capital ratio | 5.4043% | 7,777 |
| Total risk-based capital ratio | 6.6899% | 7,776 |
| Memoranda: | ||
| Average total assets | $141,932,500 | 4,158 |
| Average earning assets | $125,199,000 | 4,256 |
| Average equity | $6,379,000 | 6,389 |
| Average total loans | $101,237,500 | 3,917 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8451% | 2,461 |
| Cost of funding earning assets | 2.0694% | 2,633 |
| Net interest margin | 3.7757% | 3,819 |
| Noninterest income to average assets | 0.4734% | 4,624 |
| Noninterest expense to average assets | 4.0750% | 1,265 |
| Loan and lease loss provision to assets | 4.3194% | 286 |
| Net operating income to assets | -4.6521% | 7,693 |
| Return on assets (ROA) | -4.1880% | 7,634 |
| Pretax return on assets | -4.1880% | 7,570 |
| Return on Equity (ROE) | -62.1764% | 7,766 |
| Retained earnings to average equity (ytd only) | -62.1764% | 7,763 |
| Net charge-offs to loans | 4.3446% | 347 |
| Credit loss provision to net charge-offs | 142.2937% | 3,397 |
| Earnings coverage of net charge-offs (x) | -0.1096% | 6,342 |
| Efficiency ratio | 108.8925% | 823 |
| Assets per employee ($millions) | 3.3102% | 5,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7987% | 409 |
| Loan loss allowance to noncurrent loans | 32.3498% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 11.9491% | 255 |
| Noncurrent loans to loans | 11.7425% | 294 |
| Net loans and leases to total assets | 70.4216% | 3,153 |
| Net loans and leases to deposits | 78.4503% | 4,284 |
| Net loans and leases to core deposits | 101.1943% | 3,880 |
| Total domestic deposits to total assets | 89.7658% | 1,073 |
| Equity capital to assets | 5.1786% | 7,771 |
| Core capital (leverage) ratio | 5.1651% | 7,748 |
| Tier 1 risk-based capital ratio | 7.1950% | 7,728 |
| Total risk-based capital ratio | 8.4754% | 7,733 |
| Memoranda: | ||
| Average total assets | $162,871,000 | 3,714 |
| Average earning assets | $141,007,600 | 3,879 |
| Average equity | $10,970,400 | 5,033 |
| Average total loans | $113,796,200 | 3,615 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9367% | 2,285 |
| Cost of funding earning assets | 2.1283% | 2,753 |
| Net interest margin | 3.8084% | 3,619 |
| Noninterest income to average assets | 0.3936% | 5,350 |
| Noninterest expense to average assets | 3.7649% | 1,675 |
| Loan and lease loss provision to assets | 4.3966% | 237 |
| Net operating income to assets | -4.4775% | 7,791 |
| Return on assets (ROA) | -4.0252% | 7,759 |
| Pretax return on assets | -4.0252% | 7,692 |
| Return on Equity (ROE) | -56.9702% | 7,881 |
| Retained earnings to average equity (ytd only) | -56.9702% | 7,878 |
| Net charge-offs to loans | 3.9438% | 364 |
| Credit loss provision to net charge-offs | 161.1871% | 2,937 |
| Earnings coverage of net charge-offs (x) | -0.0297% | 6,102 |
| Efficiency ratio | 102.1973% | 974 |
| Assets per employee ($millions) | 2.7216% | 6,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5798% | 388 |
| Loan loss allowance to noncurrent loans | 27.6200% | 6,618 |
| Noncurrent assets plus other real estate owned to assets | 11.5496% | 254 |
| Noncurrent loans to loans | 12.9609% | 226 |
| Net loans and leases to total assets | 68.9114% | 3,740 |
| Net loans and leases to deposits | 77.4026% | 4,836 |
| Net loans and leases to core deposits | 99.3920% | 4,439 |
| Total domestic deposits to total assets | 89.0299% | 1,178 |
| Equity capital to assets | 6.1593% | 7,824 |
| Core capital (leverage) ratio | 5.9024% | 7,818 |
| Tier 1 risk-based capital ratio | 8.4186% | 7,740 |
| Total risk-based capital ratio | 9.6966% | 7,762 |
| Memoranda: | ||
| Average total assets | $168,004,500 | 3,663 |
| Average earning assets | $145,149,000 | 3,816 |
| Average equity | $11,870,250 | 4,829 |
| Average total loans | $116,196,750 | 3,590 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0992% | 1,795 |
| Cost of funding earning assets | 2.2556% | 2,549 |
| Net interest margin | 3.8436% | 3,361 |
| Noninterest income to average assets | 0.4179% | 5,135 |
| Noninterest expense to average assets | 3.6611% | 1,915 |
| Loan and lease loss provision to assets | 4.2590% | 276 |
| Net operating income to assets | -4.2207% | 7,860 |
| Return on assets (ROA) | -3.9026% | 7,810 |
| Pretax return on assets | -3.9026% | 7,730 |
| Return on Equity (ROE) | -53.1878% | 7,934 |
| Retained earnings to average equity (ytd only) | -53.1878% | 7,930 |
| Net charge-offs to loans | 5.2148% | 236 |
| Credit loss provision to net charge-offs | 119.2783% | 3,898 |
| Earnings coverage of net charge-offs (x) | 0.0107% | 5,676 |
| Efficiency ratio | 98.9645% | 1,231 |
| Assets per employee ($millions) | 3.0231% | 6,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1712% | 1,285 |
| Loan loss allowance to noncurrent loans | 25.4606% | 6,812 |
| Noncurrent assets plus other real estate owned to assets | 7.8662% | 488 |
| Noncurrent loans to loans | 8.5278% | 483 |
| Net loans and leases to total assets | 64.3226% | 4,918 |
| Net loans and leases to deposits | 74.6483% | 5,357 |
| Net loans and leases to core deposits | 96.8348% | 4,809 |
| Total domestic deposits to total assets | 86.1675% | 2,695 |
| Equity capital to assets | 6.3603% | 7,848 |
| Core capital (leverage) ratio | 6.4562% | 7,818 |
| Tier 1 risk-based capital ratio | 9.1657% | 7,610 |
| Total risk-based capital ratio | 10.4258% | 7,611 |
| Memoranda: | ||
| Average total assets | $172,295,670 | 3,597 |
| Average earning assets | $147,100,670 | 3,794 |
| Average equity | $12,642,000 | 4,651 |
| Average total loans | $117,971,670 | 3,579 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1768% | 1,669 |
| Cost of funding earning assets | 2.3001% | 2,699 |
| Net interest margin | 3.8766% | 3,152 |
| Noninterest income to average assets | 0.4783% | 4,523 |
| Noninterest expense to average assets | 3.6939% | 1,670 |
| Loan and lease loss provision to assets | 2.2057% | 533 |
| Net operating income to assets | -2.0756% | 7,680 |
| Return on assets (ROA) | -2.0756% | 7,676 |
| Pretax return on assets | -2.0756% | 7,554 |
| Return on Equity (ROE) | -26.5223% | 7,868 |
| Retained earnings to average equity (ytd only) | -26.5223% | 7,808 |
| Net charge-offs to loans | 3.5310% | 345 |
| Credit loss provision to net charge-offs | 89.4539% | 4,023 |
| Earnings coverage of net charge-offs (x) | 0.0527% | 4,934 |
| Efficiency ratio | 96.5999% | 1,288 |
| Assets per employee ($millions) | 3.0938% | 5,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 3,120 |
| Loan loss allowance to noncurrent loans | 22.9862% | 7,018 |
| Noncurrent assets plus other real estate owned to assets | 6.0200% | 656 |
| Noncurrent loans to loans | 6.4103% | 703 |
| Net loans and leases to total assets | 67.7325% | 4,202 |
| Net loans and leases to deposits | 79.2317% | 4,736 |
| Net loans and leases to core deposits | 103.4358% | 4,197 |
| Total domestic deposits to total assets | 85.4867% | 2,980 |
| Equity capital to assets | 7.9167% | 6,937 |
| Core capital (leverage) ratio | 7.5958% | 7,034 |
| Tier 1 risk-based capital ratio | 10.2643% | 6,626 |
| Total risk-based capital ratio | 11.5201% | 6,543 |
| Memoranda: | ||
| Average total assets | $172,284,000 | 3,617 |
| Average earning assets | $148,686,000 | 3,778 |
| Average equity | $13,483,000 | 4,452 |
| Average total loans | $120,307,500 | 3,549 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6535% | 2,230 |
| Cost of funding earning assets | 2.5982% | 3,693 |
| Net interest margin | 4.0553% | 2,891 |
| Noninterest income to average assets | 0.6510% | 3,469 |
| Noninterest expense to average assets | 3.6581% | 2,029 |
| Loan and lease loss provision to assets | 1.4573% | 933 |
| Net operating income to assets | -0.8039% | 7,136 |
| Return on assets (ROA) | -0.8003% | 7,036 |
| Pretax return on assets | -0.8003% | 6,877 |
| Return on Equity (ROE) | -9.1854% | 7,212 |
| Retained earnings to average equity (ytd only) | -13.3410% | 7,359 |
| Net charge-offs to loans | 1.2582% | 951 |
| Credit loss provision to net charge-offs | 161.2709% | 3,203 |
| Earnings coverage of net charge-offs (x) | 0.7231% | 5,788 |
| Efficiency ratio | 84.8451% | 1,972 |
| Assets per employee ($millions) | 2.7631% | 6,651 |
| Cash dividends to net income (ytd only)* | -45.2417% | 8,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 2,511 |
| Loan loss allowance to noncurrent loans | 27.5516% | 6,859 |
| Noncurrent assets plus other real estate owned to assets | 5.3353% | 617 |
| Noncurrent loans to loans | 5.5798% | 719 |
| Net loans and leases to total assets | 69.8382% | 4,053 |
| Net loans and leases to deposits | 81.6546% | 4,773 |
| Net loans and leases to core deposits | 109.7351% | 3,801 |
| Total domestic deposits to total assets | 85.5288% | 2,619 |
| Equity capital to assets | 7.7344% | 7,170 |
| Core capital (leverage) ratio | 7.6987% | 6,936 |
| Tier 1 risk-based capital ratio | 9.9756% | 6,757 |
| Total risk-based capital ratio | 11.2275% | 6,638 |
| Memoranda: | ||
| Average total assets | $165,441,800 | 3,626 |
| Average earning assets | $149,334,000 | 3,669 |
| Average equity | $14,414,200 | 4,250 |
| Average total loans | $118,825,000 | 3,496 |