Home > Turnberry Bank > Performance and Condition Ratios
Turnberry Bank, Performance and Condition Ratios
| 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 | 3.8595% | 7,456 |
| Cost of funding earning assets | 2.1949% | 476 |
| Net interest margin | 1.6645% | 7,720 |
| Noninterest income to average assets | -0.2643% | 7,700 |
| Noninterest expense to average assets | 3.0267% | 3,611 |
| Loan and lease loss provision to assets | 2.3298% | 499 |
| Net operating income to assets | -4.0888% | 7,632 |
| Return on assets (ROA) | -4.0888% | 7,636 |
| Pretax return on assets | -4.0888% | 7,613 |
| Return on Equity (ROE) | -126.5653% | 7,763 |
| Retained earnings to average equity (ytd only) | -126.5653% | 7,763 |
| Net charge-offs to loans | 3.0962% | 506 |
| Credit loss provision to net charge-offs | 99.1889% | 4,140 |
| Earnings coverage of net charge-offs (x) | -0.7489% | 6,079 |
| Efficiency ratio | 237.5078% | 63 |
| Assets per employee ($millions) | 5.7203% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6961% | 1,095 |
| Loan loss allowance to noncurrent loans | 16.4189% | 7,095 |
| Noncurrent assets plus other real estate owned to assets | 15.3115% | 136 |
| Noncurrent loans to loans | 16.4206% | 140 |
| Net loans and leases to total assets | 73.1581% | 2,121 |
| Net loans and leases to deposits | 98.0990% | 867 |
| Net loans and leases to core deposits | 104.0387% | 1,636 |
| Total domestic deposits to total assets | 74.5758% | 6,904 |
| Equity capital to assets | 2.1382% | 7,786 |
| Core capital (leverage) ratio | 2.1182% | 7,771 |
| Tier 1 risk-based capital ratio | 3.3224% | 7,763 |
| Total risk-based capital ratio | 4.5963% | 7,765 |
| Memoranda: | ||
| Average total assets | $251,958,000 | 2,585 |
| Average earning assets | $231,896,670 | 2,569 |
| Average equity | $8,139,670 | 5,750 |
| Average total loans | $191,140,330 | 2,302 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7273% | 7,626 |
| Cost of funding earning assets | 2.1553% | 680 |
| Net interest margin | 1.5720% | 7,817 |
| Noninterest income to average assets | -0.3150% | 7,830 |
| Noninterest expense to average assets | 3.0379% | 3,534 |
| Loan and lease loss provision to assets | 0.1552% | 4,980 |
| Net operating income to assets | -2.0527% | 7,471 |
| Return on assets (ROA) | -2.0527% | 7,477 |
| Pretax return on assets | -2.0527% | 7,425 |
| Return on Equity (ROE) | -54.8906% | 7,730 |
| Retained earnings to average equity (ytd only) | -54.8906% | 7,720 |
| Net charge-offs to loans | 1.1059% | 1,520 |
| Credit loss provision to net charge-offs | 18.4162% | 4,964 |
| Earnings coverage of net charge-offs (x) | -2.2523% | 5,488 |
| Efficiency ratio | 264.8980% | 57 |
| Assets per employee ($millions) | 5.9986% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3207% | 1,540 |
| Loan loss allowance to noncurrent loans | 13.8372% | 7,241 |
| Noncurrent assets plus other real estate owned to assets | 13.7615% | 173 |
| Noncurrent loans to loans | 16.7718% | 139 |
| Net loans and leases to total assets | 70.9789% | 2,705 |
| Net loans and leases to deposits | 95.1322% | 1,212 |
| Net loans and leases to core deposits | 101.3723% | 1,986 |
| Total domestic deposits to total assets | 74.6108% | 6,968 |
| Equity capital to assets | 3.4008% | 7,833 |
| Core capital (leverage) ratio | 3.3788% | 7,822 |
| Tier 1 risk-based capital ratio | 5.4952% | 7,773 |
| Total risk-based capital ratio | 6.7636% | 7,775 |
| Memoranda: | ||
| Average total assets | $257,811,500 | 2,577 |
| Average earning assets | $238,670,000 | 2,546 |
| Average equity | $9,641,000 | 5,336 |
| Average total loans | $196,394,000 | 2,312 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7872% | 6,973 |
| Cost of funding earning assets | 2.4525% | 1,148 |
| Net interest margin | 2.3347% | 7,560 |
| Noninterest income to average assets | 0.1009% | 7,261 |
| Noninterest expense to average assets | 2.8086% | 4,945 |
| Loan and lease loss provision to assets | 4.6524% | 245 |
| Net operating income to assets | -5.1957% | 7,767 |
| Return on assets (ROA) | -5.1957% | 7,757 |
| Pretax return on assets | -5.1957% | 7,729 |
| Return on Equity (ROE) | -77.7195% | 7,851 |
| Retained earnings to average equity (ytd only) | -77.7195% | 7,848 |
| Net charge-offs to loans | 3.9708% | 423 |
| Credit loss provision to net charge-offs | 139.6200% | 3,496 |
| Earnings coverage of net charge-offs (x) | -0.1631% | 6,400 |
| Efficiency ratio | 123.9343% | 545 |
| Assets per employee ($millions) | 5.7201% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4349% | 1,312 |
| Loan loss allowance to noncurrent loans | 19.0021% | 7,104 |
| Noncurrent assets plus other real estate owned to assets | 11.8633% | 258 |
| Noncurrent loans to loans | 12.8137% | 247 |
| Net loans and leases to total assets | 77.9160% | 1,405 |
| Net loans and leases to deposits | 112.0416% | 316 |
| Net loans and leases to core deposits | 197.5381% | 110 |
| Total domestic deposits to total assets | 69.5420% | 7,458 |
| Equity capital to assets | 4.0948% | 7,853 |
| Core capital (leverage) ratio | 4.0620% | 7,841 |
| Tier 1 risk-based capital ratio | 5.9895% | 7,812 |
| Total risk-based capital ratio | 7.2595% | 7,815 |
| Memoranda: | ||
| Average total assets | $252,688,200 | 2,581 |
| Average earning assets | $234,250,200 | 2,562 |
| Average equity | $16,892,800 | 3,691 |
| Average total loans | $212,046,000 | 2,172 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9067% | 6,868 |
| Cost of funding earning assets | 2.5144% | 1,252 |
| Net interest margin | 2.3923% | 7,573 |
| Noninterest income to average assets | 0.1139% | 7,324 |
| Noninterest expense to average assets | 2.7152% | 5,258 |
| Loan and lease loss provision to assets | 5.8574% | 113 |
| Net operating income to assets | -6.2390% | 7,937 |
| Return on assets (ROA) | -6.2390% | 7,934 |
| Pretax return on assets | -6.2390% | 7,922 |
| Return on Equity (ROE) | -85.1206% | 7,977 |
| Retained earnings to average equity (ytd only) | -85.1206% | 7,976 |
| Net charge-offs to loans | 4.7135% | 258 |
| Credit loss provision to net charge-offs | 146.3260% | 3,324 |
| Earnings coverage of net charge-offs (x) | -0.0953% | 6,172 |
| Efficiency ratio | 116.3542% | 652 |
| Assets per employee ($millions) | 5.1104% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4780% | 1,087 |
| Loan loss allowance to noncurrent loans | 18.9743% | 7,143 |
| Noncurrent assets plus other real estate owned to assets | 11.7958% | 236 |
| Noncurrent loans to loans | 13.0599% | 221 |
| Net loans and leases to total assets | 79.7745% | 1,219 |
| Net loans and leases to deposits | 115.6196% | 277 |
| Net loans and leases to core deposits | 174.4344% | 228 |
| Total domestic deposits to total assets | 68.9974% | 7,495 |
| Equity capital to assets | 4.6428% | 7,974 |
| Core capital (leverage) ratio | 4.6070% | 7,950 |
| Tier 1 risk-based capital ratio | 6.7850% | 7,917 |
| Total risk-based capital ratio | 8.0565% | 7,920 |
| Memoranda: | ||
| Average total assets | $252,939,250 | 2,593 |
| Average earning assets | $234,692,250 | 2,570 |
| Average equity | $18,539,500 | 3,446 |
| Average total loans | $214,808,500 | 2,174 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9515% | 6,916 |
| Cost of funding earning assets | 2.5611% | 1,398 |
| Net interest margin | 2.3903% | 7,581 |
| Noninterest income to average assets | 0.1206% | 7,380 |
| Noninterest expense to average assets | 2.6905% | 5,418 |
| Loan and lease loss provision to assets | 3.7907% | 346 |
| Net operating income to assets | -4.1437% | 7,851 |
| Return on assets (ROA) | -4.1437% | 7,847 |
| Pretax return on assets | -4.1437% | 7,768 |
| Return on Equity (ROE) | -50.4510% | 7,915 |
| Retained earnings to average equity (ytd only) | -50.4510% | 7,911 |
| Net charge-offs to loans | 2.2775% | 783 |
| Credit loss provision to net charge-offs | 193.6393% | 2,359 |
| Earnings coverage of net charge-offs (x) | -0.1804% | 5,869 |
| Efficiency ratio | 115.1045% | 752 |
| Assets per employee ($millions) | 5.1733% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7778% | 2,111 |
| Loan loss allowance to noncurrent loans | 12.9263% | 7,429 |
| Noncurrent assets plus other real estate owned to assets | 12.8098% | 151 |
| Noncurrent loans to loans | 13.7537% | 162 |
| Net loans and leases to total assets | 83.7562% | 673 |
| Net loans and leases to deposits | 128.0136% | 134 |
| Net loans and leases to core deposits | 219.3720% | 83 |
| Total domestic deposits to total assets | 65.4276% | 7,771 |
| Equity capital to assets | 7.1745% | 7,501 |
| Core capital (leverage) ratio | 7.1463% | 7,412 |
| Tier 1 risk-based capital ratio | 9.9512% | 6,987 |
| Total risk-based capital ratio | 11.2117% | 6,899 |
| Memoranda: | ||
| Average total assets | $253,782,000 | 2,593 |
| Average earning assets | $235,364,670 | 2,570 |
| Average equity | $20,844,000 | 3,120 |
| Average total loans | $218,131,330 | 2,173 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2912% | 5,930 |
| Cost of funding earning assets | 2.6650% | 1,360 |
| Net interest margin | 2.6261% | 7,327 |
| Noninterest income to average assets | 0.2489% | 6,464 |
| Noninterest expense to average assets | 2.6527% | 5,211 |
| Loan and lease loss provision to assets | 4.0248% | 237 |
| Net operating income to assets | -3.9823% | 7,977 |
| Return on assets (ROA) | -3.9823% | 7,970 |
| Pretax return on assets | -3.9823% | 7,898 |
| Return on Equity (ROE) | -45.6060% | 8,027 |
| Retained earnings to average equity (ytd only) | -45.6060% | 8,011 |
| Net charge-offs to loans | 1.3856% | 1,023 |
| Credit loss provision to net charge-offs | 336.6271% | 1,475 |
| Earnings coverage of net charge-offs (x) | 0.0356% | 4,947 |
| Efficiency ratio | 98.4220% | 1,197 |
| Assets per employee ($millions) | 5.1841% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 2,936 |
| Loan loss allowance to noncurrent loans | 15.0365% | 7,396 |
| Noncurrent assets plus other real estate owned to assets | 9.3217% | 259 |
| Noncurrent loans to loans | 10.0321% | 290 |
| Net loans and leases to total assets | 86.9292% | 340 |
| Net loans and leases to deposits | 130.9773% | 140 |
| Net loans and leases to core deposits | 230.7216% | 86 |
| Total domestic deposits to total assets | 66.3697% | 7,708 |
| Equity capital to assets | 8.4043% | 6,228 |
| Core capital (leverage) ratio | 8.3774% | 5,762 |
| Tier 1 risk-based capital ratio | 11.3663% | 5,540 |
| Total risk-based capital ratio | 12.6164% | 5,441 |
| Memoranda: | ||
| Average total assets | $253,926,000 | 2,602 |
| Average earning assets | $236,544,000 | 2,565 |
| Average equity | $22,172,500 | 2,955 |
| Average total loans | $219,117,000 | 2,181 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1604% | 4,720 |
| Cost of funding earning assets | 3.1549% | 1,337 |
| Net interest margin | 3.0055% | 6,898 |
| Noninterest income to average assets | 0.2877% | 6,407 |
| Noninterest expense to average assets | 2.3032% | 6,690 |
| Loan and lease loss provision to assets | 0.4529% | 3,024 |
| Net operating income to assets | 0.3424% | 5,386 |
| Return on assets (ROA) | 0.3424% | 5,207 |
| Pretax return on assets | 0.3424% | 5,412 |
| Return on Equity (ROE) | 3.6167% | 4,989 |
| Retained earnings to average equity (ytd only) | -2.3563% | 5,968 |
| Net charge-offs to loans | 0.5787% | 2,083 |
| Credit loss provision to net charge-offs | 92.1266% | 5,629 |
| Earnings coverage of net charge-offs (x) | 1.6177% | 5,280 |
| Efficiency ratio | 74.3335% | 3,518 |
| Assets per employee ($millions) | 5.5109% | 1,450 |
| Cash dividends to net income (ytd only)* | 165.1515% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6939% | 7,446 |
| Loan loss allowance to noncurrent loans | 6.9744% | 7,535 |
| Noncurrent assets plus other real estate owned to assets | 8.6324% | 248 |
| Noncurrent loans to loans | 9.9498% | 214 |
| Net loans and leases to total assets | 83.8144% | 918 |
| Net loans and leases to deposits | 123.3864% | 310 |
| Net loans and leases to core deposits | 227.2229% | 96 |
| Total domestic deposits to total assets | 67.9284% | 7,478 |
| Equity capital to assets | 9.0466% | 5,312 |
| Core capital (leverage) ratio | 9.0241% | 4,705 |
| Tier 1 risk-based capital ratio | 12.5947% | 4,374 |
| Total risk-based capital ratio | 13.4123% | 4,587 |
| Memoranda: | ||
| Average total assets | $250,611,800 | 2,562 |
| Average earning assets | $234,366,800 | 2,516 |
| Average equity | $23,723,400 | 2,761 |
| Average total loans | $212,906,200 | 2,183 |