Home > Desert Community Bank > Performance and Condition Ratios
Desert Community 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 | 5.9117% | 2,185 |
| Cost of funding earning assets | 1.9313% | 3,293 |
| Net interest margin | 3.9804% | 2,939 |
| Noninterest income to average assets | -0.2642% | 7,888 |
| Noninterest expense to average assets | 3.2719% | 3,119 |
| Loan and lease loss provision to assets | 4.4685% | 265 |
| Net operating income to assets | -2.8497% | 7,361 |
| Return on assets (ROA) | -2.8497% | 7,368 |
| Pretax return on assets | -4.3075% | 7,598 |
| Return on Equity (ROE) | -33.5047% | 7,468 |
| Retained earnings to average equity (ytd only) | -33.5047% | 7,454 |
| Net charge-offs to loans | 2.8846% | 753 |
| Credit loss provision to net charge-offs | 179.6500% | 2,319 |
| Earnings coverage of net charge-offs (x) | 0.0647% | 6,099 |
| Efficiency ratio | 95.3111% | 1,334 |
| Assets per employee ($millions) | 5.7424% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5764% | 502 |
| Loan loss allowance to noncurrent loans | 23.6561% | 6,872 |
| Noncurrent assets plus other real estate owned to assets | 15.6616% | 122 |
| Noncurrent loans to loans | 15.1181% | 170 |
| Net loans and leases to total assets | 80.0934% | 978 |
| Net loans and leases to deposits | 90.3500% | 2,165 |
| Net loans and leases to core deposits | 105.5226% | 3,388 |
| Total domestic deposits to total assets | 88.6479% | 1,657 |
| Equity capital to assets | 7.0159% | 7,363 |
| Core capital (leverage) ratio | 5.4030% | 7,724 |
| Tier 1 risk-based capital ratio | 6.7414% | 7,775 |
| Total risk-based capital ratio | 8.0193% | 7,775 |
| Memoranda: | ||
| Average total assets | $98,780,600 | 5,118 |
| Average earning assets | $91,749,800 | 5,067 |
| Average equity | $8,401,800 | 5,803 |
| Average total loans | $85,175,200 | 4,354 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0567% | 1,808 |
| Cost of funding earning assets | 2.0093% | 3,311 |
| Net interest margin | 4.0474% | 2,607 |
| Noninterest income to average assets | 0.3432% | 5,749 |
| Noninterest expense to average assets | 3.1963% | 3,311 |
| Loan and lease loss provision to assets | 3.9432% | 311 |
| Net operating income to assets | -2.0322% | 7,334 |
| Return on assets (ROA) | -2.0322% | 7,331 |
| Pretax return on assets | -3.0254% | 7,510 |
| Return on Equity (ROE) | -22.9042% | 7,464 |
| Retained earnings to average equity (ytd only) | -22.9042% | 7,435 |
| Net charge-offs to loans | 1.9304% | 1,032 |
| Credit loss provision to net charge-offs | 234.7756% | 1,860 |
| Earnings coverage of net charge-offs (x) | 0.5465% | 5,484 |
| Efficiency ratio | 77.6905% | 3,211 |
| Assets per employee ($millions) | 5.6447% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0772% | 628 |
| Loan loss allowance to noncurrent loans | 47.3912% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 7.6849% | 572 |
| Noncurrent loans to loans | 6.4931% | 888 |
| Net loans and leases to total assets | 77.0926% | 1,771 |
| Net loans and leases to deposits | 89.9313% | 2,594 |
| Net loans and leases to core deposits | 106.9986% | 3,591 |
| Total domestic deposits to total assets | 85.7239% | 2,846 |
| Equity capital to assets | 7.6010% | 7,218 |
| Core capital (leverage) ratio | 6.9341% | 7,474 |
| Tier 1 risk-based capital ratio | 8.1154% | 7,778 |
| Total risk-based capital ratio | 9.3883% | 7,791 |
| Memoranda: | ||
| Average total assets | $99,070,500 | 5,149 |
| Average earning assets | $92,303,750 | 5,091 |
| Average equity | $8,790,000 | 5,723 |
| Average total loans | $86,197,000 | 4,362 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2885% | 1,236 |
| Cost of funding earning assets | 2.1420% | 3,077 |
| Net interest margin | 4.1464% | 2,176 |
| Noninterest income to average assets | 0.3923% | 5,355 |
| Noninterest expense to average assets | 3.3505% | 2,789 |
| Loan and lease loss provision to assets | 3.6287% | 378 |
| Net operating income to assets | -1.7936% | 7,360 |
| Return on assets (ROA) | -1.7936% | 7,357 |
| Pretax return on assets | -2.7090% | 7,477 |
| Return on Equity (ROE) | -19.1943% | 7,481 |
| Retained earnings to average equity (ytd only) | -19.1943% | 7,431 |
| Net charge-offs to loans | 2.5065% | 687 |
| Credit loss provision to net charge-offs | 161.2546% | 2,846 |
| Earnings coverage of net charge-offs (x) | 0.4087% | 5,282 |
| Efficiency ratio | 78.4638% | 3,284 |
| Assets per employee ($millions) | 4.7344% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8891% | 1,822 |
| Loan loss allowance to noncurrent loans | 39.5813% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 7.1425% | 580 |
| Noncurrent loans to loans | 4.7728% | 1,315 |
| Net loans and leases to total assets | 88.1420% | 228 |
| Net loans and leases to deposits | 105.6684% | 784 |
| Net loans and leases to core deposits | 131.1156% | 1,483 |
| Total domestic deposits to total assets | 83.4138% | 4,057 |
| Equity capital to assets | 8.9516% | 5,383 |
| Core capital (leverage) ratio | 7.9683% | 6,391 |
| Tier 1 risk-based capital ratio | 8.8340% | 7,775 |
| Total risk-based capital ratio | 10.0921% | 7,810 |
| Memoranda: | ||
| Average total assets | $96,344,330 | 5,272 |
| Average earning assets | $90,101,670 | 5,196 |
| Average equity | $9,002,670 | 5,687 |
| Average total loans | $86,494,000 | 4,383 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0441% | 2,178 |
| Cost of funding earning assets | 2.2109% | 3,113 |
| Net interest margin | 3.8331% | 3,325 |
| Noninterest income to average assets | 0.3664% | 5,503 |
| Noninterest expense to average assets | 3.1408% | 3,228 |
| Loan and lease loss provision to assets | 3.5442% | 293 |
| Net operating income to assets | -1.7906% | 7,596 |
| Return on assets (ROA) | -1.7906% | 7,600 |
| Pretax return on assets | -2.7003% | 7,702 |
| Return on Equity (ROE) | -18.7783% | 7,728 |
| Retained earnings to average equity (ytd only) | -18.7783% | 7,610 |
| Net charge-offs to loans | 3.9446% | 310 |
| Credit loss provision to net charge-offs | 100.1163% | 3,711 |
| Earnings coverage of net charge-offs (x) | 0.2384% | 4,789 |
| Efficiency ratio | 78.8223% | 3,030 |
| Assets per employee ($millions) | 4.4778% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 5,585 |
| Loan loss allowance to noncurrent loans | 19.2692% | 7,208 |
| Noncurrent assets plus other real estate owned to assets | 6.6072% | 545 |
| Noncurrent loans to loans | 5.6292% | 893 |
| Net loans and leases to total assets | 91.5456% | 76 |
| Net loans and leases to deposits | 116.4415% | 377 |
| Net loans and leases to core deposits | 147.6747% | 792 |
| Total domestic deposits to total assets | 78.6194% | 5,839 |
| Equity capital to assets | 9.5497% | 4,608 |
| Core capital (leverage) ratio | 8.3032% | 5,897 |
| Tier 1 risk-based capital ratio | 9.3010% | 7,588 |
| Total risk-based capital ratio | 10.3967% | 7,708 |
| Memoranda: | ||
| Average total assets | $97,173,000 | 5,265 |
| Average earning assets | $91,726,500 | 5,158 |
| Average equity | $9,266,000 | 5,612 |
| Average total loans | $87,208,000 | 4,381 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0241% | 1,069 |
| Cost of funding earning assets | 2.7381% | 2,982 |
| Net interest margin | 4.2859% | 2,029 |
| Noninterest income to average assets | 0.4842% | 4,762 |
| Noninterest expense to average assets | 2.8338% | 4,678 |
| Loan and lease loss provision to assets | 0.7413% | 2,001 |
| Net operating income to assets | 0.5760% | 4,414 |
| Return on assets (ROA) | 0.5760% | 4,279 |
| Pretax return on assets | 0.8834% | 3,780 |
| Return on Equity (ROE) | 5.9979% | 3,944 |
| Retained earnings to average equity (ytd only) | -3.4719% | 6,225 |
| Net charge-offs to loans | 0.7310% | 1,689 |
| Credit loss provision to net charge-offs | 116.0363% | 4,651 |
| Earnings coverage of net charge-offs (x) | 2.5431% | 4,803 |
| Efficiency ratio | 63.5595% | 5,657 |
| Assets per employee ($millions) | 4.7768% | 2,208 |
| Cash dividends to net income (ytd only)* | 157.8859% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 5,422 |
| Loan loss allowance to noncurrent loans | 25.6878% | 6,957 |
| Noncurrent assets plus other real estate owned to assets | 4.9695% | 707 |
| Noncurrent loans to loans | 4.2008% | 1,159 |
| Net loans and leases to total assets | 86.1761% | 583 |
| Net loans and leases to deposits | 115.8656% | 529 |
| Net loans and leases to core deposits | 142.5309% | 1,149 |
| Total domestic deposits to total assets | 74.3759% | 6,584 |
| Equity capital to assets | 9.5223% | 4,653 |
| Core capital (leverage) ratio | 8.2122% | 6,144 |
| Tier 1 risk-based capital ratio | 9.5766% | 7,225 |
| Total risk-based capital ratio | 10.6456% | 7,338 |
| Memoranda: | ||
| Average total assets | $103,465,200 | 4,951 |
| Average earning assets | $95,941,400 | 4,923 |
| Average equity | $9,936,800 | 5,431 |
| Average total loans | $90,430,000 | 4,212 |