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The Park Avenue 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 | 6.4859% | 689 |
| Cost of funding earning assets | 3.2216% | 117 |
| Net interest margin | 3.2643% | 5,876 |
| Noninterest income to average assets | 0.7326% | 2,775 |
| Noninterest expense to average assets | 3.8421% | 1,613 |
| Loan and lease loss provision to assets | 3.6786% | 408 |
| Net operating income to assets | -3.8526% | 7,580 |
| Return on assets (ROA) | -3.7950% | 7,572 |
| Pretax return on assets | -3.7950% | 7,483 |
| Return on Equity (ROE) | -270.7851% | 8,006 |
| Retained earnings to average equity (ytd only) | -270.7851% | 8,006 |
| Net charge-offs to loans | 1.9874% | 1,237 |
| Credit loss provision to net charge-offs | 252.6143% | 1,399 |
| Earnings coverage of net charge-offs (x) | -0.1195% | 6,355 |
| Efficiency ratio | 104.7446% | 936 |
| Assets per employee ($millions) | 7.8810% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5991% | 231 |
| Loan loss allowance to noncurrent loans | 33.6340% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 10.9385% | 308 |
| Noncurrent loans to loans | 13.6740% | 217 |
| Net loans and leases to total assets | 69.6026% | 3,340 |
| Net loans and leases to deposits | 73.2116% | 5,163 |
| Net loans and leases to core deposits | 127.1436% | 1,442 |
| Total domestic deposits to total assets | 95.0704% | 50 |
| Equity capital to assets | -0.5552% | 8,001 |
| Core capital (leverage) ratio | 0.3032% | 7,995 |
| Tier 1 risk-based capital ratio | 0.3860% | 7,995 |
| Total risk-based capital ratio | 0.7720% | 7,995 |
| Memoranda: | ||
| Average total assets | $524,031,200 | 1,312 |
| Average earning assets | $471,251,800 | 1,337 |
| Average equity | $7,344,200 | 6,156 |
| Average total loans | $383,977,800 | 1,254 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5749% | 644 |
| Cost of funding earning assets | 3.3181% | 127 |
| Net interest margin | 3.2568% | 5,804 |
| Noninterest income to average assets | 0.7126% | 2,933 |
| Noninterest expense to average assets | 3.4419% | 2,444 |
| Loan and lease loss provision to assets | 1.8019% | 1,030 |
| Net operating income to assets | -1.5756% | 7,146 |
| Return on assets (ROA) | -1.5946% | 7,153 |
| Pretax return on assets | -1.5946% | 7,009 |
| Return on Equity (ROE) | -84.5443% | 7,974 |
| Retained earnings to average equity (ytd only) | -84.5443% | 7,973 |
| Net charge-offs to loans | 1.9444% | 1,023 |
| Credit loss provision to net charge-offs | 126.3355% | 3,981 |
| Earnings coverage of net charge-offs (x) | 0.1587% | 5,864 |
| Efficiency ratio | 93.8313% | 1,411 |
| Assets per employee ($millions) | 7.0266% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8574% | 2,141 |
| Loan loss allowance to noncurrent loans | 13.9464% | 7,361 |
| Noncurrent assets plus other real estate owned to assets | 10.4454% | 317 |
| Noncurrent loans to loans | 13.3181% | 208 |
| Net loans and leases to total assets | 70.2435% | 3,451 |
| Net loans and leases to deposits | 79.9679% | 4,394 |
| Net loans and leases to core deposits | 145.0865% | 723 |
| Total domestic deposits to total assets | 87.8395% | 1,729 |
| Equity capital to assets | 2.2063% | 8,052 |
| Core capital (leverage) ratio | 2.7388% | 8,033 |
| Tier 1 risk-based capital ratio | 3.3454% | 8,038 |
| Total risk-based capital ratio | 4.6001% | 8,042 |
| Memoranda: | ||
| Average total assets | $525,002,500 | 1,324 |
| Average earning assets | $476,443,500 | 1,343 |
| Average equity | $9,902,250 | 5,362 |
| Average total loans | $385,100,250 | 1,267 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5054% | 815 |
| Cost of funding earning assets | 3.4366% | 134 |
| Net interest margin | 3.0689% | 6,339 |
| Noninterest income to average assets | 0.7636% | 2,629 |
| Noninterest expense to average assets | 3.2197% | 3,274 |
| Loan and lease loss provision to assets | 1.2952% | 1,322 |
| Net operating income to assets | -0.9634% | 6,947 |
| Return on assets (ROA) | -0.9530% | 6,943 |
| Pretax return on assets | -0.9530% | 6,783 |
| Return on Equity (ROE) | -53.7486% | 7,941 |
| Retained earnings to average equity (ytd only) | -53.7486% | 7,937 |
| Net charge-offs to loans | 1.6566% | 1,140 |
| Credit loss provision to net charge-offs | 105.6782% | 4,353 |
| Earnings coverage of net charge-offs (x) | 0.2707% | 5,401 |
| Efficiency ratio | 90.6597% | 1,755 |
| Assets per employee ($millions) | 7.0442% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 3,078 |
| Loan loss allowance to noncurrent loans | 11.6956% | 7,468 |
| Noncurrent assets plus other real estate owned to assets | 10.6550% | 246 |
| Noncurrent loans to loans | 13.0142% | 181 |
| Net loans and leases to total assets | 72.3537% | 3,125 |
| Net loans and leases to deposits | 82.6927% | 4,101 |
| Net loans and leases to core deposits | 150.4229% | 641 |
| Total domestic deposits to total assets | 87.4971% | 2,019 |
| Equity capital to assets | 1.7405% | 8,151 |
| Core capital (leverage) ratio | 3.3166% | 8,114 |
| Tier 1 risk-based capital ratio | 3.9409% | 8,127 |
| Total risk-based capital ratio | 5.1920% | 8,126 |
| Memoranda: | ||
| Average total assets | $517,313,000 | 1,371 |
| Average earning assets | $469,947,330 | 1,377 |
| Average equity | $9,172,330 | 5,620 |
| Average total loans | $382,710,330 | 1,298 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7454% | 538 |
| Cost of funding earning assets | 3.6131% | 108 |
| Net interest margin | 3.1323% | 6,096 |
| Noninterest income to average assets | 0.8688% | 1,992 |
| Noninterest expense to average assets | 3.4020% | 2,353 |
| Loan and lease loss provision to assets | 0.3148% | 3,452 |
| Net operating income to assets | 0.0024% | 6,246 |
| Return on assets (ROA) | 0.0150% | 6,374 |
| Pretax return on assets | 0.0150% | 6,349 |
| Return on Equity (ROE) | 0.8352% | 6,178 |
| Retained earnings to average equity (ytd only) | 0.8352% | 5,326 |
| Net charge-offs to loans | 1.0101% | 1,331 |
| Credit loss provision to net charge-offs | 41.9727% | 4,795 |
| Earnings coverage of net charge-offs (x) | 0.4229% | 4,651 |
| Efficiency ratio | 91.4727% | 1,612 |
| Assets per employee ($millions) | 7.0577% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 3,891 |
| Loan loss allowance to noncurrent loans | 16.4146% | 7,343 |
| Noncurrent assets plus other real estate owned to assets | 6.8510% | 511 |
| Noncurrent loans to loans | 8.1271% | 436 |
| Net loans and leases to total assets | 74.4034% | 2,648 |
| Net loans and leases to deposits | 87.2810% | 3,422 |
| Net loans and leases to core deposits | 158.7596% | 511 |
| Total domestic deposits to total assets | 85.2458% | 3,089 |
| Equity capital to assets | 1.7801% | 8,221 |
| Core capital (leverage) ratio | 3.5420% | 8,182 |
| Tier 1 risk-based capital ratio | 4.1425% | 8,199 |
| Total risk-based capital ratio | 5.3221% | 8,203 |
| Memoranda: | ||
| Average total assets | $508,288,500 | 1,397 |
| Average earning assets | $462,534,500 | 1,407 |
| Average equity | $9,099,500 | 5,671 |
| Average total loans | $377,395,000 | 1,324 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4975% | 411 |
| Cost of funding earning assets | 3.9146% | 135 |
| Net interest margin | 3.5829% | 4,964 |
| Noninterest income to average assets | 0.5884% | 3,934 |
| Noninterest expense to average assets | 3.4092% | 2,646 |
| Loan and lease loss provision to assets | 0.7802% | 1,917 |
| Net operating income to assets | -0.5089% | 6,928 |
| Return on assets (ROA) | -1.4543% | 7,392 |
| Pretax return on assets | -1.2637% | 7,146 |
| Return on Equity (ROE) | -42.4810% | 8,099 |
| Retained earnings to average equity (ytd only) | -42.4810% | 8,072 |
| Net charge-offs to loans | 0.5507% | 2,176 |
| Credit loss provision to net charge-offs | 208.6750% | 2,317 |
| Earnings coverage of net charge-offs (x) | 1.2353% | 5,510 |
| Efficiency ratio | 88.0696% | 1,673 |
| Assets per employee ($millions) | 6.5040% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 2,208 |
| Loan loss allowance to noncurrent loans | 22.2414% | 7,134 |
| Noncurrent assets plus other real estate owned to assets | 5.9463% | 509 |
| Noncurrent loans to loans | 7.2335% | 406 |
| Net loans and leases to total assets | 71.8465% | 3,620 |
| Net loans and leases to deposits | 84.2397% | 4,390 |
| Net loans and leases to core deposits | 150.8863% | 821 |
| Total domestic deposits to total assets | 85.2882% | 2,709 |
| Equity capital to assets | 1.8009% | 8,287 |
| Core capital (leverage) ratio | 3.8602% | 8,262 |
| Tier 1 risk-based capital ratio | 4.9105% | 8,265 |
| Total risk-based capital ratio | 6.1635% | 8,265 |
| Memoranda: | ||
| Average total assets | $450,168,200 | 1,523 |
| Average earning assets | $412,430,400 | 1,518 |
| Average equity | $15,411,600 | 4,051 |
| Average total loans | $305,592,000 | 1,584 |