Home > 1st Pacific Bank of California > Performance and Condition Ratios
1st Pacific Bank of California, Performance and Condition Ratios
| 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 | 5.7734% | 1,544 |
| Cost of funding earning assets | 1.5873% | 3,034 |
| Net interest margin | 4.1861% | 2,103 |
| Noninterest income to average assets | 0.2082% | 6,470 |
| Noninterest expense to average assets | 4.2893% | 731 |
| Loan and lease loss provision to assets | 0.1150% | 5,461 |
| Net operating income to assets | -0.3922% | 6,754 |
| Return on assets (ROA) | -0.1875% | 6,605 |
| Pretax return on assets | -0.1875% | 6,546 |
| Return on Equity (ROE) | -5.8046% | 6,929 |
| Retained earnings to average equity (ytd only) | -5.8046% | 6,647 |
| Net charge-offs to loans | -0.3357% | 7,758 |
| Credit loss provision to net charge-offs | -40.1606% | 5,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9885% | 700 |
| Assets per employee ($millions) | 4.3610% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5150% | 541 |
| Loan loss allowance to noncurrent loans | 63.7583% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 6.2210% | 943 |
| Noncurrent loans to loans | 5.5130% | 1,266 |
| Net loans and leases to total assets | 80.4037% | 783 |
| Net loans and leases to deposits | 92.7263% | 1,508 |
| Net loans and leases to core deposits | 107.4813% | 1,463 |
| Total domestic deposits to total assets | 86.7108% | 2,784 |
| Equity capital to assets | 3.3356% | 7,834 |
| Core capital (leverage) ratio | 2.9459% | 7,845 |
| Tier 1 risk-based capital ratio | 3.6738% | 7,854 |
| Total risk-based capital ratio | 4.9509% | 7,854 |
| Memoranda: | ||
| Average total assets | $347,748,000 | 1,964 |
| Average earning assets | $316,001,000 | 1,974 |
| Average equity | $11,232,500 | 4,913 |
| Average total loans | $296,678,000 | 1,586 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0376% | 1,722 |
| Cost of funding earning assets | 1.9102% | 3,410 |
| Net interest margin | 4.1273% | 2,336 |
| Noninterest income to average assets | 0.0330% | 7,577 |
| Noninterest expense to average assets | 4.1654% | 1,142 |
| Loan and lease loss provision to assets | 3.0680% | 560 |
| Net operating income to assets | -4.1780% | 7,635 |
| Return on assets (ROA) | -4.1361% | 7,627 |
| Pretax return on assets | -3.3633% | 7,387 |
| Return on Equity (ROE) | -81.1323% | 7,870 |
| Retained earnings to average equity (ytd only) | -81.1323% | 7,866 |
| Net charge-offs to loans | 2.3243% | 1,000 |
| Credit loss provision to net charge-offs | 155.1982% | 2,929 |
| Earnings coverage of net charge-offs (x) | -0.1705% | 6,410 |
| Efficiency ratio | 106.8491% | 881 |
| Assets per employee ($millions) | 4.5531% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0259% | 756 |
| Loan loss allowance to noncurrent loans | 56.4904% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 4.9567% | 1,251 |
| Noncurrent loans to loans | 5.3565% | 1,220 |
| Net loans and leases to total assets | 84.5262% | 391 |
| Net loans and leases to deposits | 100.1077% | 894 |
| Net loans and leases to core deposits | 146.7802% | 591 |
| Total domestic deposits to total assets | 84.4353% | 3,827 |
| Equity capital to assets | 3.1315% | 7,911 |
| Core capital (leverage) ratio | 2.8185% | 7,918 |
| Tier 1 risk-based capital ratio | 3.3525% | 7,935 |
| Total risk-based capital ratio | 6.1990% | 7,877 |
| Memoranda: | ||
| Average total assets | $405,796,200 | 1,692 |
| Average earning assets | $373,146,000 | 1,685 |
| Average equity | $20,687,200 | 3,108 |
| Average total loans | $345,132,400 | 1,401 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9566% | 2,209 |
| Cost of funding earning assets | 1.9922% | 3,399 |
| Net interest margin | 3.9644% | 2,972 |
| Noninterest income to average assets | -0.0850% | 7,919 |
| Noninterest expense to average assets | 4.0016% | 1,273 |
| Loan and lease loss provision to assets | 3.5272% | 370 |
| Net operating income to assets | -5.4665% | 7,880 |
| Return on assets (ROA) | -5.3952% | 7,876 |
| Pretax return on assets | -3.8678% | 7,669 |
| Return on Equity (ROE) | -97.7105% | 8,007 |
| Retained earnings to average equity (ytd only) | -97.7105% | 8,004 |
| Net charge-offs to loans | 3.0085% | 555 |
| Credit loss provision to net charge-offs | 138.5890% | 3,571 |
| Earnings coverage of net charge-offs (x) | -0.1618% | 6,249 |
| Efficiency ratio | 109.3628% | 775 |
| Assets per employee ($millions) | 3.8298% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3679% | 1,208 |
| Loan loss allowance to noncurrent loans | 56.2721% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 4.4903% | 1,366 |
| Noncurrent loans to loans | 4.2080% | 1,715 |
| Net loans and leases to total assets | 88.4429% | 177 |
| Net loans and leases to deposits | 105.5100% | 679 |
| Net loans and leases to core deposits | 133.9581% | 1,211 |
| Total domestic deposits to total assets | 83.8241% | 3,806 |
| Equity capital to assets | 3.0091% | 8,032 |
| Core capital (leverage) ratio | 2.5323% | 8,038 |
| Tier 1 risk-based capital ratio | 2.9803% | 8,046 |
| Total risk-based capital ratio | 5.6655% | 8,023 |
| Memoranda: | ||
| Average total assets | $417,320,750 | 1,673 |
| Average earning assets | $386,830,250 | 1,647 |
| Average equity | $23,043,000 | 2,848 |
| Average total loans | $353,034,000 | 1,384 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8786% | 2,683 |
| Cost of funding earning assets | 2.0524% | 3,510 |
| Net interest margin | 3.8262% | 3,432 |
| Noninterest income to average assets | -0.0832% | 8,025 |
| Noninterest expense to average assets | 3.8777% | 1,522 |
| Loan and lease loss provision to assets | 0.3795% | 3,652 |
| Net operating income to assets | -0.6443% | 6,700 |
| Return on assets (ROA) | -0.5613% | 6,619 |
| Pretax return on assets | -0.6985% | 6,600 |
| Return on Equity (ROE) | -8.9670% | 6,963 |
| Retained earnings to average equity (ytd only) | -8.9670% | 6,767 |
| Net charge-offs to loans | 0.2027% | 4,269 |
| Credit loss provision to net charge-offs | 226.0388% | 2,036 |
| Earnings coverage of net charge-offs (x) | -2.5180% | 6,385 |
| Efficiency ratio | 109.9475% | 853 |
| Assets per employee ($millions) | 4.1118% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 3,012 |
| Loan loss allowance to noncurrent loans | 58.9543% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 3.0383% | 2,088 |
| Noncurrent loans to loans | 2.6017% | 2,785 |
| Net loans and leases to total assets | 84.3996% | 581 |
| Net loans and leases to deposits | 104.6365% | 863 |
| Net loans and leases to core deposits | 130.6182% | 1,512 |
| Total domestic deposits to total assets | 80.6598% | 5,209 |
| Equity capital to assets | 6.3082% | 7,863 |
| Core capital (leverage) ratio | 5.2472% | 8,007 |
| Tier 1 risk-based capital ratio | 5.9281% | 8,060 |
| Total risk-based capital ratio | 8.4898% | 7,994 |
| Memoranda: | ||
| Average total assets | $430,044,000 | 1,645 |
| Average earning assets | $397,678,670 | 1,633 |
| Average equity | $26,921,000 | 2,487 |
| Average total loans | $356,223,670 | 1,399 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7995% | 3,308 |
| Cost of funding earning assets | 2.0777% | 3,750 |
| Net interest margin | 3.7218% | 3,797 |
| Noninterest income to average assets | 0.0588% | 7,780 |
| Noninterest expense to average assets | 3.7082% | 1,640 |
| Loan and lease loss provision to assets | 0.6395% | 1,975 |
| Net operating income to assets | -0.4957% | 6,868 |
| Return on assets (ROA) | -0.3611% | 6,822 |
| Pretax return on assets | -0.6321% | 6,926 |
| Return on Equity (ROE) | -5.7894% | 7,041 |
| Retained earnings to average equity (ytd only) | -5.7894% | 6,653 |
| Net charge-offs to loans | 0.2245% | 3,296 |
| Credit loss provision to net charge-offs | 349.7487% | 1,442 |
| Earnings coverage of net charge-offs (x) | -1.1106% | 5,385 |
| Efficiency ratio | 103.5649% | 998 |
| Assets per employee ($millions) | 4.4145% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 2,699 |
| Loan loss allowance to noncurrent loans | 123.6315% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 1.9352% | 2,999 |
| Noncurrent loans to loans | 1.2578% | 4,460 |
| Net loans and leases to total assets | 78.1119% | 1,796 |
| Net loans and leases to deposits | 96.7144% | 1,835 |
| Net loans and leases to core deposits | 120.2430% | 2,400 |
| Total domestic deposits to total assets | 80.7656% | 5,062 |
| Equity capital to assets | 6.0078% | 7,997 |
| Core capital (leverage) ratio | 5.4733% | 8,082 |
| Tier 1 risk-based capital ratio | 5.9757% | 8,142 |
| Total risk-based capital ratio | 8.5103% | 8,088 |
| Memoranda: | ||
| Average total assets | $435,362,500 | 1,636 |
| Average earning assets | $403,136,000 | 1,617 |
| Average equity | $27,153,000 | 2,479 |
| Average total loans | $354,589,500 | 1,421 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8914% | 1,422 |
| Cost of funding earning assets | 2.5645% | 3,883 |
| Net interest margin | 4.3269% | 1,893 |
| Noninterest income to average assets | 0.2779% | 6,471 |
| Noninterest expense to average assets | 6.0787% | 391 |
| Loan and lease loss provision to assets | 3.6918% | 198 |
| Net operating income to assets | -4.8557% | 8,079 |
| Return on assets (ROA) | -5.0153% | 8,081 |
| Pretax return on assets | -5.7054% | 8,080 |
| Return on Equity (ROE) | -48.3202% | 8,143 |
| Retained earnings to average equity (ytd only) | -48.3202% | 8,125 |
| Net charge-offs to loans | 4.2991% | 141 |
| Credit loss provision to net charge-offs | 103.5291% | 5,167 |
| Earnings coverage of net charge-offs (x) | -0.5138% | 6,489 |
| Efficiency ratio | 85.1988% | 1,934 |
| Assets per employee ($millions) | 4.0042% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 2,986 |
| Loan loss allowance to noncurrent loans | 41.2542% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 3.5470% | 1,249 |
| Noncurrent loans to loans | 3.4848% | 1,452 |
| Net loans and leases to total assets | 82.4939% | 1,136 |
| Net loans and leases to deposits | 103.8835% | 1,352 |
| Net loans and leases to core deposits | 131.3987% | 1,762 |
| Total domestic deposits to total assets | 79.4101% | 5,237 |
| Equity capital to assets | 6.4822% | 7,945 |
| Core capital (leverage) ratio | 5.3914% | 8,177 |
| Tier 1 risk-based capital ratio | 6.1712% | 8,223 |
| Total risk-based capital ratio | 8.7336% | 8,158 |
| Memoranda: | ||
| Average total assets | $430,681,400 | 1,588 |
| Average earning assets | $395,015,000 | 1,576 |
| Average equity | $44,701,800 | 1,508 |
| Average total loans | $357,234,000 | 1,359 |