has strengthened in recent periods owing to lower provisioning expenses reflecting the improvement in asset quality; the ratio has been higher than the peer group average in recent years.
automated submission process allows users to review and update the prior year's input and add new risks with minimal effort.
In addition to the increased average ROAA
for all District banks between 1986 and 1992, another measure of the solid improvement is a reduction in the number of banks reporting losses.
The bank's earnings were affected by hefty increases in loan impairment charges after the recent economic turmoil, however, thanks to its recurring (albeit concentrated) revenue stream and stability of its bank spreads; the bank was able to protect its operating ROAA
close to 1%; which speaks well about its loss absorption capacity.
Credit Union Association, said the question of low ROAA
in the Old Line state isn't easy to answer, but said the state lags be-hind peers in two key ratios: loans-to-shares and income-to-average assets.
FHB's operating performance is strong with an ROAA
BoA's increased operating profit combined with a further decline in the risk provision charge helped lift both net profit and ROAA
The Bank's profitability ratios (adjusted for extraordinary items and goodwill) witnessed a decline in 2007, as ROAA
The negative growth in net income witnessed in 2007, resulted in a decline of the Bank's profitability ratios, represented by ROAA
and ROAE, reaching 1.
Including an adjustment for inflation, Exterior's ROAA
would be in line with similarly rated international peers (emerging market commercial banks with a long-term IDR of 'B-/B/B+').
Ratings are constrained by the Bank's low capital ratios, high cost ratios and consequent low operating profitability and ROAA
(return on average assets), as well as by last year's high non-performing loan (NPL) net accretion rate.
The reduction in ROAE and ROAA
for the year ended December 31, 2014 was primarily due to a $2,686,000 reversal on valuation allowance on deferred tax in 2013.