Home > Bank Irvine > Performance and Condition Ratios
Bank Irvine, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3998% | 718 |
| Cost of funding earning assets | 2.6937% | 603 |
| Net interest margin | 3.7061% | 1,868 |
| Noninterest income to average assets | 0.0100% | 4,377 |
| Noninterest expense to average assets | 2.4804% | 2,361 |
| Loan and lease loss provision to assets | 0.5100% | 182 |
| Net operating income to assets | 0.5080% | 3,557 |
| Return on assets (ROA) | 0.5080% | 3,573 |
| Pretax return on assets | 0.6692% | 3,454 |
| Return on Equity (ROE) | 2.4200% | 3,949 |
| Retained earnings to average equity (ytd only) | 2.4238% | 3,232 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 67.8161% | 2,060 |
| Assets per employee ($millions) | 9.0218% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 2,134 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 77.6600% | 873 |
| Net loans and leases to deposits | 107.5290% | 204 |
| Net loans and leases to core deposits | 223.8945% | 31 |
| Total domestic deposits to total assets | 72.2200% | 4,143 |
| Equity capital to assets | 27.1742% | 179 |
| Core capital (leverage) ratio | 28.2414% | 130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $228,347,500 | 2,845 |
| Average earning assets | $224,819,000 | 2,769 |
| Average equity | $47,858,000 | 1,813 |
| Average total loans | $183,022,000 | 2,521 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5103% | 695 |
| Cost of funding earning assets | 3.1669% | 369 |
| Net interest margin | 3.3434% | 2,404 |
| Noninterest income to average assets | 0.0100% | 4,429 |
| Noninterest expense to average assets | 2.4674% | 2,392 |
| Loan and lease loss provision to assets | 0.2900% | 427 |
| Net operating income to assets | 0.2886% | 3,859 |
| Return on assets (ROA) | 0.2886% | 3,887 |
| Pretax return on assets | 0.5472% | 3,563 |
| Return on Equity (ROE) | 1.9600% | 3,993 |
| Retained earnings to average equity (ytd only) | 1.9576% | 3,393 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 74.7546% | 1,473 |
| Assets per employee ($millions) | 8.1964% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 2,301 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 80.9500% | 540 |
| Net loans and leases to deposits | 94.6158% | 818 |
| Net loans and leases to core deposits | 216.7276% | 32 |
| Total domestic deposits to total assets | 85.5600% | 2,350 |
| Equity capital to assets | 13.8536% | 703 |
| Core capital (leverage) ratio | 13.8141% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $197,538,200 | 3,011 |
| Average earning assets | $194,352,800 | 2,928 |
| Average equity | $29,116,800 | 2,402 |
| Average total loans | $152,000,200 | 2,711 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4444% | 737 |
| Cost of funding earning assets | 3.0563% | 463 |
| Net interest margin | 3.3880% | 2,253 |
| Noninterest income to average assets | 0.0100% | 4,454 |
| Noninterest expense to average assets | 2.4319% | 2,438 |
| Loan and lease loss provision to assets | 0.3700% | 273 |
| Net operating income to assets | 0.2217% | 3,973 |
| Return on assets (ROA) | 0.2217% | 4,005 |
| Pretax return on assets | 0.5377% | 3,581 |
| Return on Equity (ROE) | 1.4800% | 4,086 |
| Retained earnings to average equity (ytd only) | 1.4796% | 3,602 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 72.7198% | 1,722 |
| Assets per employee ($millions) | 8.2427% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 2,367 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 79.8700% | 648 |
| Net loans and leases to deposits | 93.0955% | 952 |
| Net loans and leases to core deposits | 233.3161% | 29 |
| Total domestic deposits to total assets | 85.7900% | 2,012 |
| Equity capital to assets | 13.6172% | 815 |
| Core capital (leverage) ratio | 15.0004% | 627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $193,646,000 | 3,033 |
| Average earning assets | $190,549,500 | 2,948 |
| Average equity | $29,015,250 | 2,410 |
| Average total loans | $146,359,750 | 2,756 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4567% | 666 |
| Cost of funding earning assets | 2.8856% | 561 |
| Net interest margin | 3.5711% | 1,835 |
| Noninterest income to average assets | 0.0100% | 4,473 |
| Noninterest expense to average assets | 2.4620% | 2,347 |
| Loan and lease loss provision to assets | 0.3700% | 253 |
| Net operating income to assets | 0.2731% | 3,889 |
| Return on assets (ROA) | 0.2731% | 3,926 |
| Pretax return on assets | 0.6950% | 3,238 |
| Return on Equity (ROE) | 1.7600% | 4,051 |
| Retained earnings to average equity (ytd only) | 1.7611% | 3,413 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 69.8360% | 2,139 |
| Assets per employee ($millions) | 7.6612% | 1,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 2,248 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 76.6100% | 1,101 |
| Net loans and leases to deposits | 91.1095% | 1,197 |
| Net loans and leases to core deposits | 196.3850% | 46 |
| Total domestic deposits to total assets | 84.0900% | 2,593 |
| Equity capital to assets | 15.1612% | 557 |
| Core capital (leverage) ratio | 16.3347% | 453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $186,758,000 | 3,085 |
| Average earning assets | $183,809,000 | 3,007 |
| Average equity | $28,959,333 | 2,390 |
| Average total loans | $137,413,667 | 2,833 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4466% | 614 |
| Cost of funding earning assets | 2.8125% | 591 |
| Net interest margin | 3.6340% | 1,672 |
| Noninterest income to average assets | 0.0100% | 4,472 |
| Noninterest expense to average assets | 2.4125% | 2,481 |
| Loan and lease loss provision to assets | 0.2300% | 428 |
| Net operating income to assets | 0.9437% | 2,105 |
| Return on assets (ROA) | 0.9437% | 2,120 |
| Pretax return on assets | 0.9437% | 2,543 |
| Return on Equity (ROE) | 6.0200% | 3,213 |
| Retained earnings to average equity (ytd only) | 6.0166% | 2,106 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 67.2310% | 2,470 |
| Assets per employee ($millions) | 7.0552% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 2,638 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 78.2700% | 812 |
| Net loans and leases to deposits | 95.7021% | 740 |
| Net loans and leases to core deposits | 216.9007% | 70 |
| Total domestic deposits to total assets | 81.7900% | 3,216 |
| Equity capital to assets | 17.2243% | 382 |
| Core capital (leverage) ratio | 16.5903% | 420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $184,372,500 | 3,106 |
| Average earning assets | $181,616,500 | 3,026 |
| Average equity | $28,920,000 | 2,403 |
| Average total loans | $131,864,500 | 2,884 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1801% | 196 |
| Cost of funding earning assets | 1.6440% | 1,587 |
| Net interest margin | 5.5361% | 177 |
| Noninterest income to average assets | 0.0100% | 4,513 |
| Noninterest expense to average assets | 3.8014% | 427 |
| Loan and lease loss provision to assets | 1.2600% | 49 |
| Net operating income to assets | 0.2083% | 4,157 |
| Return on assets (ROA) | 0.2083% | 4,170 |
| Pretax return on assets | 0.3790% | 3,992 |
| Return on Equity (ROE) | 0.8700% | 4,273 |
| Retained earnings to average equity (ytd only) | 0.8683% | 3,861 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.9168% | 1,889 |
| Assets per employee ($millions) | 8.3092% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 2,621 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.2900% | 2,434 |
| Net loans and leases to deposits | 75.8478% | 2,470 |
| Net loans and leases to core deposits | 128.0486% | 438 |
| Total domestic deposits to total assets | 84.7600% | 2,391 |
| Equity capital to assets | 14.3792% | 621 |
| Core capital (leverage) ratio | 15.5096% | 547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $117,142,000 | 3,681 |
| Average earning assets | $114,900,200 | 3,594 |
| Average equity | $28,101,400 | 2,356 |
| Average total loans | $65,619,800 | 3,617 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4336% | 150 |
| Cost of funding earning assets | 1.3777% | 1,923 |
| Net interest margin | 6.0559% | 100 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 4.3241% | 300 |
| Loan and lease loss provision to assets | 1.0600% | 57 |
| Net operating income to assets | 0.2099% | 4,219 |
| Return on assets (ROA) | 0.2099% | 4,236 |
| Pretax return on assets | 0.5398% | 3,842 |
| Return on Equity (ROE) | 0.7200% | 4,342 |
| Retained earnings to average equity (ytd only) | 0.7249% | 4,002 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.9560% | 1,456 |
| Assets per employee ($millions) | 7.5826% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 3,423 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 52.0700% | 3,490 |
| Net loans and leases to deposits | 63.5482% | 3,291 |
| Net loans and leases to core deposits | 93.4559% | 1,707 |
| Total domestic deposits to total assets | 81.9300% | 3,226 |
| Equity capital to assets | 17.1097% | 391 |
| Core capital (leverage) ratio | 14.6884% | 682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $96,572,500 | 3,871 |
| Average earning assets | $94,451,250 | 3,812 |
| Average equity | $27,958,000 | 2,356 |
| Average total loans | $49,606,250 | 3,855 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3866% | 287 |
| Cost of funding earning assets | 1.1464% | 2,141 |
| Net interest margin | 5.2402% | 226 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 5.3118% | 204 |
| Loan and lease loss provision to assets | 1.6000% | 37 |
| Net operating income to assets | -1.8071% | 4,623 |
| Return on assets (ROA) | -1.8071% | 4,622 |
| Pretax return on assets | -1.8043% | 4,614 |
| Return on Equity (ROE) | -4.7600% | 4,538 |
| Retained earnings to average equity (ytd only) | -4.7617% | 4,412 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 104.0707% | 125 |
| Assets per employee ($millions) | 6.4188% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 3,387 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 51.9700% | 3,412 |
| Net loans and leases to deposits | 67.0738% | 2,987 |
| Net loans and leases to core deposits | 90.8919% | 1,743 |
| Total domestic deposits to total assets | 77.4900% | 3,897 |
| Equity capital to assets | 21.4900% | 241 |
| Core capital (leverage) ratio | 23.6527% | 178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $73,157,333 | 4,117 |
| Average earning assets | $71,180,667 | 4,062 |
| Average equity | $27,763,333 | 2,376 |
| Average total loans | $36,900,333 | 4,063 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1945% | 959 |
| Cost of funding earning assets | 1.1360% | 1,641 |
| Net interest margin | 4.0585% | 1,163 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 9.0366% | 116 |
| Loan and lease loss provision to assets | 1.8600% | 39 |
| Net operating income to assets | -6.9992% | 4,675 |
| Return on assets (ROA) | -6.9992% | 4,672 |
| Pretax return on assets | -6.9992% | 4,673 |
| Return on Equity (ROE) | -11.4500% | 4,602 |
| Retained earnings to average equity (ytd only) | -11.4466% | 4,501 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 231.7568% | 19 |
| Assets per employee ($millions) | 2.5940% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 3,669 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 61.3300% | 2,529 |
| Net loans and leases to deposits | 138.3014% | 27 |
| Net loans and leases to core deposits | 243.1902% | 22 |
| Total domestic deposits to total assets | 44.3500% | 4,588 |
| Equity capital to assets | 52.9144% | 81 |
| Core capital (leverage) ratio | 58.8215% | 75 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $45,548,000 | 4,452 |
| Average earning assets | $43,661,500 | 4,417 |
| Average equity | $27,851,000 | 2,396 |
| Average total loans | $21,649,500 | 4,365 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7023% | 4,693 |
| Cost of funding earning assets | 0.0375% | 4,597 |
| Net interest margin | 0.6648% | 4,692 |
| Noninterest income to average assets | 0.0000% | 4,670 |
| Noninterest expense to average assets | 4.8424% | 232 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | -4.4548% | 4,707 |
| Return on assets (ROA) | -4.4548% | 4,706 |
| Pretax return on assets | -4.4548% | 4,704 |
| Return on Equity (ROE) | -6.1800% | 4,637 |
| Retained earnings to average equity (ytd only) | -6.1841% | 4,595 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 762.6506% | 7 |
| Assets per employee ($millions) | 1.9608% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8683% | 3,875 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 28.2400% | 4,431 |
| Net loans and leases to deposits | 115.6795% | 100 |
| Net loans and leases to core deposits | 129.1730% | 238 |
| Total domestic deposits to total assets | 24.4100% | 4,634 |
| Equity capital to assets | 72.0369% | 69 |
| Core capital (leverage) ratio | 86.9391% | 43 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $39,216,000 | 4,536 |
| Average earning assets | $37,306,000 | 4,505 |
| Average equity | $28,250,000 | 2,419 |
| Average total loans | $11,171,000 | 4,542 |