Home > The Park Avenue Bank > Performance and Condition Ratios
The Park Avenue Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3618% | 5,817 |
| Cost of funding earning assets | 2.1084% | 121 |
| Net interest margin | 2.2534% | 7,334 |
| Noninterest income to average assets | 0.1686% | 6,521 |
| Noninterest expense to average assets | 2.6506% | 5,033 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.5791% | 6,855 |
| Return on assets (ROA) | -0.5250% | 6,821 |
| Pretax return on assets | -0.5250% | 6,766 |
| Return on Equity (ROE) | -28.2103% | 7,307 |
| Retained earnings to average equity (ytd only) | -28.2103% | 7,276 |
| Net charge-offs to loans | 2.3589% | 506 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.4013% | 4,765 |
| Efficiency ratio | 127.9563% | 275 |
| Assets per employee ($millions) | 4.7989% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6933% | 123 |
| Loan loss allowance to noncurrent loans | 27.4877% | 6,444 |
| Noncurrent assets plus other real estate owned to assets | 23.8553% | 32 |
| Noncurrent loans to loans | 20.7121% | 60 |
| Net loans and leases to total assets | 59.3814% | 4,390 |
| Net loans and leases to deposits | 69.6208% | 4,407 |
| Net loans and leases to core deposits | 79.3303% | 3,841 |
| Total domestic deposits to total assets | 85.2926% | 3,887 |
| Equity capital to assets | 1.9457% | 7,537 |
| Core capital (leverage) ratio | 1.8270% | 7,539 |
| Tier 1 risk-based capital ratio | 2.6834% | 7,534 |
| Total risk-based capital ratio | 3.9793% | 7,535 |
| Memoranda: | ||
| Average total assets | $901,379,000 | 743 |
| Average earning assets | $761,152,000 | 802 |
| Average equity | $16,774,000 | 3,596 |
| Average total loans | $551,454,000 | 789 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2691% | 6,835 |
| Cost of funding earning assets | 2.3099% | 203 |
| Net interest margin | 1.9592% | 7,465 |
| Noninterest income to average assets | -0.5456% | 7,574 |
| Noninterest expense to average assets | 2.7320% | 4,840 |
| Loan and lease loss provision to assets | 2.5233% | 438 |
| Net operating income to assets | -4.1308% | 7,449 |
| Return on assets (ROA) | -3.9089% | 7,437 |
| Pretax return on assets | -3.9004% | 7,424 |
| Return on Equity (ROE) | -105.5205% | 7,599 |
| Retained earnings to average equity (ytd only) | -105.5205% | 7,599 |
| Net charge-offs to loans | 3.5211% | 402 |
| Credit loss provision to net charge-offs | 118.4169% | 3,591 |
| Earnings coverage of net charge-offs (x) | -0.7504% | 6,537 |
| Efficiency ratio | 241.1240% | 56 |
| Assets per employee ($millions) | 5.2382% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9328% | 110 |
| Loan loss allowance to noncurrent loans | 30.7483% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 21.2771% | 55 |
| Noncurrent loans to loans | 19.2946% | 77 |
| Net loans and leases to total assets | 56.0514% | 5,340 |
| Net loans and leases to deposits | 64.5621% | 5,563 |
| Net loans and leases to core deposits | 74.4130% | 4,930 |
| Total domestic deposits to total assets | 86.8177% | 2,922 |
| Equity capital to assets | 1.7854% | 7,618 |
| Core capital (leverage) ratio | 1.7354% | 7,615 |
| Tier 1 risk-based capital ratio | 2.7899% | 7,611 |
| Total risk-based capital ratio | 4.0902% | 7,610 |
| Memoranda: | ||
| Average total assets | $1,118,147,200 | 590 |
| Average earning assets | $958,054,400 | 625 |
| Average equity | $41,420,400 | 1,602 |
| Average total loans | $676,672,000 | 649 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2740% | 6,998 |
| Cost of funding earning assets | 2.3339% | 243 |
| Net interest margin | 1.9401% | 7,591 |
| Noninterest income to average assets | -0.3004% | 7,631 |
| Noninterest expense to average assets | 2.8286% | 4,355 |
| Loan and lease loss provision to assets | 2.3247% | 476 |
| Net operating income to assets | -3.7996% | 7,556 |
| Return on assets (ROA) | -3.4275% | 7,522 |
| Pretax return on assets | -3.4166% | 7,487 |
| Return on Equity (ROE) | -83.6198% | 7,666 |
| Retained earnings to average equity (ytd only) | -83.6198% | 7,666 |
| Net charge-offs to loans | 4.2832% | 261 |
| Credit loss provision to net charge-offs | 89.4029% | 4,792 |
| Earnings coverage of net charge-offs (x) | -0.5630% | 6,349 |
| Efficiency ratio | 207.2813% | 76 |
| Assets per employee ($millions) | 5.1701% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5034% | 249 |
| Loan loss allowance to noncurrent loans | 22.7242% | 6,774 |
| Noncurrent assets plus other real estate owned to assets | 20.8427% | 50 |
| Noncurrent loans to loans | 19.8177% | 77 |
| Net loans and leases to total assets | 54.6561% | 5,751 |
| Net loans and leases to deposits | 63.7393% | 5,943 |
| Net loans and leases to core deposits | 73.9850% | 5,296 |
| Total domestic deposits to total assets | 85.7495% | 3,218 |
| Equity capital to assets | 3.1293% | 7,688 |
| Core capital (leverage) ratio | 2.9034% | 7,684 |
| Tier 1 risk-based capital ratio | 4.6393% | 7,655 |
| Total risk-based capital ratio | 5.9228% | 7,660 |
| Memoranda: | ||
| Average total assets | $1,159,346,750 | 573 |
| Average earning assets | $994,991,250 | 599 |
| Average equity | $47,520,250 | 1,416 |
| Average total loans | $703,823,250 | 623 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2436% | 7,124 |
| Cost of funding earning assets | 2.3638% | 269 |
| Net interest margin | 1.8797% | 7,679 |
| Noninterest income to average assets | -0.3462% | 7,723 |
| Noninterest expense to average assets | 2.8236% | 4,379 |
| Loan and lease loss provision to assets | 2.8579% | 358 |
| Net operating income to assets | -4.4276% | 7,657 |
| Return on assets (ROA) | -4.2890% | 7,650 |
| Pretax return on assets | -4.2733% | 7,631 |
| Return on Equity (ROE) | -97.9060% | 7,733 |
| Retained earnings to average equity (ytd only) | -97.9060% | 7,732 |
| Net charge-offs to loans | 3.2224% | 475 |
| Credit loss provision to net charge-offs | 143.6944% | 2,765 |
| Earnings coverage of net charge-offs (x) | -0.7814% | 6,087 |
| Efficiency ratio | 222.3991% | 75 |
| Assets per employee ($millions) | 5.3190% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2737% | 147 |
| Loan loss allowance to noncurrent loans | 25.2981% | 6,656 |
| Noncurrent assets plus other real estate owned to assets | 20.8723% | 47 |
| Noncurrent loans to loans | 20.8464% | 73 |
| Net loans and leases to total assets | 55.7727% | 5,737 |
| Net loans and leases to deposits | 65.0157% | 5,915 |
| Net loans and leases to core deposits | 76.3681% | 5,155 |
| Total domestic deposits to total assets | 85.7835% | 3,213 |
| Equity capital to assets | 3.3827% | 7,733 |
| Core capital (leverage) ratio | 2.9835% | 7,746 |
| Tier 1 risk-based capital ratio | 4.8858% | 7,707 |
| Total risk-based capital ratio | 6.1788% | 7,706 |
| Memoranda: | ||
| Average total assets | $1,197,677,330 | 555 |
| Average earning assets | $1,029,510,670 | 578 |
| Average equity | $52,466,670 | 1,270 |
| Average total loans | $739,190,330 | 589 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 7,375 |
| Cost of funding earning assets | 2.3558% | 353 |
| Net interest margin | 1.7450% | 7,789 |
| Noninterest income to average assets | 0.0242% | 7,586 |
| Noninterest expense to average assets | 2.5396% | 5,578 |
| Loan and lease loss provision to assets | 0.6448% | 1,963 |
| Net operating income to assets | -1.6607% | 7,376 |
| Return on assets (ROA) | -1.6140% | 7,370 |
| Pretax return on assets | -1.6140% | 7,296 |
| Return on Equity (ROE) | -33.4302% | 7,607 |
| Retained earnings to average equity (ytd only) | -33.4302% | 7,586 |
| Net charge-offs to loans | 0.4018% | 2,834 |
| Credit loss provision to net charge-offs | 254.7771% | 1,519 |
| Earnings coverage of net charge-offs (x) | -4.0140% | 5,519 |
| Efficiency ratio | 166.6737% | 157 |
| Assets per employee ($millions) | 4.7339% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0290% | 367 |
| Loan loss allowance to noncurrent loans | 22.0762% | 6,910 |
| Noncurrent assets plus other real estate owned to assets | 18.6323% | 75 |
| Noncurrent loans to loans | 18.2504% | 102 |
| Net loans and leases to total assets | 58.1876% | 5,399 |
| Net loans and leases to deposits | 68.1295% | 5,571 |
| Net loans and leases to core deposits | 80.6675% | 4,678 |
| Total domestic deposits to total assets | 85.4073% | 3,460 |
| Equity capital to assets | 4.6184% | 7,750 |
| Core capital (leverage) ratio | 4.5440% | 7,740 |
| Tier 1 risk-based capital ratio | 6.7904% | 7,716 |
| Total risk-based capital ratio | 8.0703% | 7,718 |
| Memoranda: | ||
| Average total assets | $1,240,682,500 | 556 |
| Average earning assets | $1,066,124,000 | 581 |
| Average equity | $59,898,000 | 1,113 |
| Average total loans | $781,523,000 | 579 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1755% | 5,759 |
| Cost of funding earning assets | 2.7063% | 577 |
| Net interest margin | 2.4692% | 7,455 |
| Noninterest income to average assets | 0.1959% | 6,693 |
| Noninterest expense to average assets | 3.0569% | 3,917 |
| Loan and lease loss provision to assets | 3.9669% | 346 |
| Net operating income to assets | -3.9579% | 7,601 |
| Return on assets (ROA) | -3.8208% | 7,574 |
| Pretax return on assets | -4.4549% | 7,631 |
| Return on Equity (ROE) | -53.9591% | 7,717 |
| Retained earnings to average equity (ytd only) | -53.9591% | 7,712 |
| Net charge-offs to loans | 4.5689% | 313 |
| Credit loss provision to net charge-offs | 124.0981% | 4,239 |
| Earnings coverage of net charge-offs (x) | -0.2025% | 6,443 |
| Efficiency ratio | 107.7349% | 847 |
| Assets per employee ($millions) | 4.5615% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6401% | 473 |
| Loan loss allowance to noncurrent loans | 31.6864% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 14.9176% | 142 |
| Noncurrent loans to loans | 11.4878% | 310 |
| Net loans and leases to total assets | 63.0070% | 4,809 |
| Net loans and leases to deposits | 74.2286% | 5,001 |
| Net loans and leases to core deposits | 116.4667% | 2,269 |
| Total domestic deposits to total assets | 84.8824% | 3,608 |
| Equity capital to assets | 5.0403% | 7,790 |
| Core capital (leverage) ratio | 4.8556% | 7,782 |
| Tier 1 risk-based capital ratio | 6.9817% | 7,749 |
| Total risk-based capital ratio | 8.2575% | 7,751 |
| Memoranda: | ||
| Average total assets | $1,290,371,200 | 524 |
| Average earning assets | $1,156,863,000 | 525 |
| Average equity | $91,371,000 | 709 |
| Average total loans | $902,792,000 | 525 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3086% | 5,381 |
| Cost of funding earning assets | 2.7543% | 678 |
| Net interest margin | 2.5543% | 7,400 |
| Noninterest income to average assets | 0.4764% | 4,701 |
| Noninterest expense to average assets | 2.3186% | 6,646 |
| Loan and lease loss provision to assets | 3.5949% | 357 |
| Net operating income to assets | -2.0179% | 7,326 |
| Return on assets (ROA) | -1.9604% | 7,301 |
| Pretax return on assets | -3.0359% | 7,518 |
| Return on Equity (ROE) | -25.9231% | 7,525 |
| Retained earnings to average equity (ytd only) | -25.9231% | 7,505 |
| Net charge-offs to loans | 2.0941% | 930 |
| Credit loss provision to net charge-offs | 241.6426% | 1,804 |
| Earnings coverage of net charge-offs (x) | 0.3164% | 5,705 |
| Efficiency ratio | 83.1258% | 2,416 |
| Assets per employee ($millions) | 4.6983% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4844% | 211 |
| Loan loss allowance to noncurrent loans | 61.7170% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 9.6018% | 372 |
| Noncurrent loans to loans | 7.2661% | 724 |
| Net loans and leases to total assets | 68.1716% | 3,918 |
| Net loans and leases to deposits | 82.7027% | 3,890 |
| Net loans and leases to core deposits | 126.2840% | 1,710 |
| Total domestic deposits to total assets | 82.4297% | 4,484 |
| Equity capital to assets | 7.4980% | 7,297 |
| Core capital (leverage) ratio | 6.3818% | 7,710 |
| Tier 1 risk-based capital ratio | 8.7323% | 7,706 |
| Total risk-based capital ratio | 10.0200% | 7,728 |
| Memoranda: | ||
| Average total assets | $1,305,061,750 | 532 |
| Average earning assets | $1,181,734,500 | 528 |
| Average equity | $98,694,500 | 671 |
| Average total loans | $927,161,500 | 530 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3428% | 5,432 |
| Cost of funding earning assets | 2.8023% | 784 |
| Net interest margin | 2.5404% | 7,425 |
| Noninterest income to average assets | 0.5818% | 3,823 |
| Noninterest expense to average assets | 2.3787% | 6,527 |
| Loan and lease loss provision to assets | 0.5667% | 2,750 |
| Net operating income to assets | -0.0413% | 5,911 |
| Return on assets (ROA) | 0.0754% | 5,727 |
| Pretax return on assets | 0.0694% | 5,740 |
| Return on Equity (ROE) | 0.9944% | 5,636 |
| Retained earnings to average equity (ytd only) | 0.9944% | 4,779 |
| Net charge-offs to loans | 0.7253% | 2,240 |
| Credit loss provision to net charge-offs | 110.1322% | 4,209 |
| Earnings coverage of net charge-offs (x) | 1.0094% | 4,773 |
| Efficiency ratio | 82.0784% | 2,714 |
| Assets per employee ($millions) | 4.7416% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1441% | 1,325 |
| Loan loss allowance to noncurrent loans | 28.0012% | 6,630 |
| Noncurrent assets plus other real estate owned to assets | 8.4543% | 424 |
| Noncurrent loans to loans | 7.6571% | 602 |
| Net loans and leases to total assets | 70.5592% | 3,561 |
| Net loans and leases to deposits | 86.8074% | 3,391 |
| Net loans and leases to core deposits | 130.4550% | 1,527 |
| Total domestic deposits to total assets | 81.2825% | 4,967 |
| Equity capital to assets | 7.7389% | 7,037 |
| Core capital (leverage) ratio | 7.0926% | 7,460 |
| Tier 1 risk-based capital ratio | 9.6147% | 7,305 |
| Total risk-based capital ratio | 10.8748% | 7,249 |
| Memoranda: | ||
| Average total assets | $1,323,495,670 | 534 |
| Average earning assets | $1,206,715,670 | 529 |
| Average equity | $100,357,000 | 670 |
| Average total loans | $938,888,330 | 536 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2470% | 6,127 |
| Cost of funding earning assets | 2.8851% | 799 |
| Net interest margin | 2.3619% | 7,660 |
| Noninterest income to average assets | 0.6246% | 3,385 |
| Noninterest expense to average assets | 2.3721% | 6,283 |
| Loan and lease loss provision to assets | 0.5195% | 2,388 |
| Net operating income to assets | -0.0427% | 6,323 |
| Return on assets (ROA) | -0.0395% | 6,446 |
| Pretax return on assets | -0.1042% | 6,482 |
| Return on Equity (ROE) | -0.5258% | 6,471 |
| Retained earnings to average equity (ytd only) | -0.5258% | 5,773 |
| Net charge-offs to loans | 0.3041% | 2,891 |
| Credit loss provision to net charge-offs | 242.7184% | 1,919 |
| Earnings coverage of net charge-offs (x) | 1.9168% | 3,760 |
| Efficiency ratio | 85.2555% | 2,166 |
| Assets per employee ($millions) | 4.6896% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1699% | 1,117 |
| Loan loss allowance to noncurrent loans | 32.5552% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 6.9960% | 485 |
| Noncurrent loans to loans | 6.6653% | 636 |
| Net loans and leases to total assets | 68.3453% | 4,060 |
| Net loans and leases to deposits | 83.1586% | 4,107 |
| Net loans and leases to core deposits | 128.7361% | 1,732 |
| Total domestic deposits to total assets | 82.1867% | 4,471 |
| Equity capital to assets | 7.4868% | 7,360 |
| Core capital (leverage) ratio | 6.7960% | 7,768 |
| Tier 1 risk-based capital ratio | 9.2175% | 7,659 |
| Total risk-based capital ratio | 10.4777% | 7,639 |
| Memoranda: | ||
| Average total assets | $1,347,496,000 | 532 |
| Average earning assets | $1,231,032,500 | 527 |
| Average equity | $101,181,000 | 665 |
| Average total loans | $948,483,500 | 538 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2111% | 4,459 |
| Cost of funding earning assets | 3.1225% | 1,443 |
| Net interest margin | 3.0886% | 6,684 |
| Noninterest income to average assets | 0.3417% | 6,004 |
| Noninterest expense to average assets | 2.4142% | 6,345 |
| Loan and lease loss provision to assets | 1.4493% | 944 |
| Net operating income to assets | -0.4206% | 6,846 |
| Return on assets (ROA) | -0.4090% | 6,710 |
| Pretax return on assets | -0.6701% | 6,789 |
| Return on Equity (ROE) | -4.8556% | 6,850 |
| Retained earnings to average equity (ytd only) | -7.1909% | 6,802 |
| Net charge-offs to loans | 1.2168% | 993 |
| Credit loss provision to net charge-offs | 155.8453% | 3,347 |
| Earnings coverage of net charge-offs (x) | 0.8184% | 5,742 |
| Efficiency ratio | 76.0304% | 3,232 |
| Assets per employee ($millions) | 4.5119% | 2,597 |
| Cash dividends to net income (ytd only)* | -48.0958% | 8,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0251% | 1,174 |
| Loan loss allowance to noncurrent loans | 35.1558% | 6,400 |
| Noncurrent assets plus other real estate owned to assets | 5.9580% | 506 |
| Noncurrent loans to loans | 5.7604% | 655 |
| Net loans and leases to total assets | 69.4786% | 4,150 |
| Net loans and leases to deposits | 83.3312% | 4,522 |
| Net loans and leases to core deposits | 132.8075% | 1,669 |
| Total domestic deposits to total assets | 83.3764% | 3,624 |
| Equity capital to assets | 7.5308% | 7,355 |
| Core capital (leverage) ratio | 7.0491% | 7,655 |
| Tier 1 risk-based capital ratio | 9.0800% | 7,732 |
| Total risk-based capital ratio | 10.3383% | 7,692 |
| Memoranda: | ||
| Average total assets | $1,245,438,400 | 543 |
| Average earning assets | $1,142,603,400 | 535 |
| Average equity | $104,910,200 | 643 |
| Average total loans | $951,807,000 | 513 |