Home > Symphony Bank > Performance and Condition Ratios
Symphony Bank, Performance and Condition Ratios
| 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 | 5.5811% | 7,133 |
| Cost of funding earning assets | 2.9577% | 2,031 |
| Net interest margin | 2.6235% | 7,615 |
| Noninterest income to average assets | 0.1040% | 7,617 |
| Noninterest expense to average assets | 6.2151% | 374 |
| Loan and lease loss provision to assets | 1.7956% | 702 |
| Net operating income to assets | -5.5774% | 8,126 |
| Return on assets (ROA) | -5.5678% | 8,116 |
| Pretax return on assets | -5.5678% | 8,069 |
| Return on Equity (ROE) | -43.3465% | 8,106 |
| Retained earnings to average equity (ytd only) | -43.3465% | 8,077 |
| Net charge-offs to loans | 0.1202% | 5,047 |
| Credit loss provision to net charge-offs | 2,026.0870% | 219 |
| Earnings coverage of net charge-offs (x) | -42.6739% | 6,978 |
| Efficiency ratio | 255.4236% | 133 |
| Assets per employee ($millions) | 3.0572% | 5,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8136% | 214 |
| Loan loss allowance to noncurrent loans | 64.9961% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 4.7138% | 770 |
| Noncurrent loans to loans | 5.8675% | 635 |
| Net loans and leases to total assets | 77.2742% | 2,312 |
| Net loans and leases to deposits | 89.4414% | 3,546 |
| Net loans and leases to core deposits | 134.4973% | 1,566 |
| Total domestic deposits to total assets | 86.3965% | 2,221 |
| Equity capital to assets | 9.4040% | 4,816 |
| Core capital (leverage) ratio | 8.8824% | 4,921 |
| Tier 1 risk-based capital ratio | 9.6494% | 7,146 |
| Total risk-based capital ratio | 10.9414% | 7,003 |
| Memoranda: | ||
| Average total assets | $51,905,800 | 6,697 |
| Average earning assets | $46,083,800 | 6,765 |
| Average equity | $6,667,200 | 6,579 |
| Average total loans | $38,269,400 | 6,257 |