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Ocean Bank, Performance and Condition Ratios
| 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 | 5.8597% | 6,237 |
| Cost of funding earning assets | 1.8311% | 6,929 |
| Net interest margin | 4.0286% | 2,988 |
| Noninterest income to average assets | 0.7994% | 2,517 |
| Noninterest expense to average assets | 2.6241% | 5,559 |
| Loan and lease loss provision to assets | 0.2338% | 4,557 |
| Net operating income to assets | 0.5940% | 4,322 |
| Return on assets (ROA) | 0.6382% | 4,002 |
| Pretax return on assets | 0.9718% | 3,479 |
| Return on Equity (ROE) | 2.2049% | 5,538 |
| Retained earnings to average equity (ytd only) | 2.2049% | 3,840 |
| Net charge-offs to loans | 0.2424% | 3,841 |
| Credit loss provision to net charge-offs | 152.9621% | 3,419 |
| Earnings coverage of net charge-offs (x) | 7.4511% | 3,110 |
| Efficiency ratio | 66.0768% | 5,112 |
| Assets per employee ($millions) | 6.1701% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 2,580 |
| Loan loss allowance to noncurrent loans | 83.3976% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.2507% | 3,723 |
| Noncurrent loans to loans | 1.8252% | 3,022 |
| Net loans and leases to total assets | 60.7767% | 5,799 |
| Net loans and leases to deposits | 92.7682% | 3,004 |
| Net loans and leases to core deposits | 104.3451% | 4,362 |
| Total domestic deposits to total assets | 65.5145% | 7,687 |
| Equity capital to assets | 31.6259% | 154 |
| Core capital (leverage) ratio | 9.5877% | 3,894 |
| Tier 1 risk-based capital ratio | 11.8516% | 4,940 |
| Total risk-based capital ratio | 13.1049% | 4,840 |
| Memoranda: | ||
| Average total assets | $2,209,179,000 | 331 |
| Average earning assets | $1,624,996,400 | 396 |
| Average equity | $639,402,400 | 158 |
| Average total loans | $1,392,532,800 | 377 |