Home > Bank of Escondido > Performance and Condition Ratios
Bank of Escondido, 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 | 3.8679% | 7,742 |
| Cost of funding earning assets | 0.7685% | 7,597 |
| Net interest margin | 3.0994% | 6,374 |
| Noninterest income to average assets | 0.0298% | 7,592 |
| Noninterest expense to average assets | 2.7937% | 5,000 |
| Loan and lease loss provision to assets | 1.7471% | 1,303 |
| Net operating income to assets | -1.9888% | 7,087 |
| Return on assets (ROA) | -1.9888% | 7,090 |
| Pretax return on assets | -1.6342% | 6,776 |
| Return on Equity (ROE) | -16.4185% | 7,008 |
| Retained earnings to average equity (ytd only) | -16.4185% | 6,957 |
| Net charge-offs to loans | 1.8260% | 1,361 |
| Credit loss provision to net charge-offs | 138.8325% | 3,533 |
| Earnings coverage of net charge-offs (x) | 0.0897% | 6,066 |
| Efficiency ratio | 96.1172% | 1,310 |
| Assets per employee ($millions) | 3.7056% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4504% | 1,289 |
| Loan loss allowance to noncurrent loans | 72.1424% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 3.3238% | 2,056 |
| Noncurrent loans to loans | 3.3966% | 2,248 |
| Net loans and leases to total assets | 74.9640% | 2,040 |
| Net loans and leases to deposits | 81.9326% | 3,626 |
| Net loans and leases to core deposits | 109.2990% | 2,973 |
| Total domestic deposits to total assets | 91.4948% | 380 |
| Equity capital to assets | 8.4243% | 6,020 |
| Core capital (leverage) ratio | 7.9692% | 6,239 |
| Tier 1 risk-based capital ratio | 10.5656% | 6,325 |
| Total risk-based capital ratio | 11.8330% | 6,296 |
| Memoranda: | ||
| Average total assets | $93,927,000 | 5,270 |
| Average earning assets | $87,179,000 | 5,220 |
| Average equity | $11,377,400 | 4,913 |
| Average total loans | $64,730,600 | 5,078 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 7,173 |
| Cost of funding earning assets | 0.6396% | 7,864 |
| Net interest margin | 4.1294% | 2,289 |
| Noninterest income to average assets | 0.2991% | 6,081 |
| Noninterest expense to average assets | 3.2825% | 2,986 |
| Loan and lease loss provision to assets | 2.5651% | 639 |
| Net operating income to assets | -1.9099% | 7,281 |
| Return on assets (ROA) | -1.9099% | 7,283 |
| Pretax return on assets | -1.7286% | 7,059 |
| Return on Equity (ROE) | -15.0109% | 7,191 |
| Retained earnings to average equity (ytd only) | -15.0109% | 7,134 |
| Net charge-offs to loans | 1.8874% | 1,065 |
| Credit loss provision to net charge-offs | 201.0373% | 2,223 |
| Earnings coverage of net charge-offs (x) | 0.6556% | 5,377 |
| Efficiency ratio | 79.6915% | 2,900 |
| Assets per employee ($millions) | 4.2458% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5247% | 1,032 |
| Loan loss allowance to noncurrent loans | 62.8612% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 3.4952% | 1,904 |
| Noncurrent loans to loans | 4.0163% | 1,828 |
| Net loans and leases to total assets | 64.8899% | 4,676 |
| Net loans and leases to deposits | 73.5452% | 5,438 |
| Net loans and leases to core deposits | 85.0608% | 5,961 |
| Total domestic deposits to total assets | 88.2313% | 1,544 |
| Equity capital to assets | 11.5040% | 2,580 |
| Core capital (leverage) ratio | 9.2422% | 4,273 |
| Tier 1 risk-based capital ratio | 13.4184% | 3,911 |
| Total risk-based capital ratio | 14.6847% | 3,836 |
| Memoranda: | ||
| Average total assets | $100,733,750 | 5,104 |
| Average earning assets | $93,182,250 | 5,066 |
| Average equity | $12,817,000 | 4,583 |
| Average total loans | $68,099,000 | 4,983 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8132% | 7,203 |
| Cost of funding earning assets | 0.6199% | 7,976 |
| Net interest margin | 4.1933% | 2,025 |
| Noninterest income to average assets | 0.3214% | 5,938 |
| Noninterest expense to average assets | 3.3620% | 2,748 |
| Loan and lease loss provision to assets | 3.3195% | 441 |
| Net operating income to assets | -1.4819% | 7,235 |
| Return on assets (ROA) | -1.4819% | 7,237 |
| Pretax return on assets | -2.4624% | 7,410 |
| Return on Equity (ROE) | -11.2605% | 7,127 |
| Retained earnings to average equity (ytd only) | -11.2605% | 6,990 |
| Net charge-offs to loans | 2.6143% | 647 |
| Credit loss provision to net charge-offs | 186.8032% | 2,457 |
| Earnings coverage of net charge-offs (x) | 0.4824% | 5,223 |
| Efficiency ratio | 79.6838% | 3,100 |
| Assets per employee ($millions) | 3.8544% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2221% | 1,204 |
| Loan loss allowance to noncurrent loans | 55.9587% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 2.8050% | 2,290 |
| Noncurrent loans to loans | 3.9709% | 1,715 |
| Net loans and leases to total assets | 69.0685% | 3,927 |
| Net loans and leases to deposits | 79.2238% | 4,670 |
| Net loans and leases to core deposits | 93.7125% | 5,149 |
| Total domestic deposits to total assets | 87.1816% | 2,155 |
| Equity capital to assets | 12.4891% | 1,926 |
| Core capital (leverage) ratio | 10.3614% | 2,940 |
| Tier 1 risk-based capital ratio | 13.8365% | 3,608 |
| Total risk-based capital ratio | 15.0971% | 3,544 |
| Memoranda: | ||
| Average total assets | $98,929,670 | 5,188 |
| Average earning assets | $91,956,330 | 5,127 |
| Average equity | $13,019,000 | 4,531 |
| Average total loans | $67,244,670 | 5,064 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6698% | 7,549 |
| Cost of funding earning assets | 0.5974% | 8,056 |
| Net interest margin | 4.0723% | 2,397 |
| Noninterest income to average assets | 0.2930% | 6,089 |
| Noninterest expense to average assets | 3.1988% | 2,991 |
| Loan and lease loss provision to assets | 2.8285% | 393 |
| Net operating income to assets | -1.1884% | 7,358 |
| Return on assets (ROA) | -1.1884% | 7,374 |
| Pretax return on assets | -1.9616% | 7,523 |
| Return on Equity (ROE) | -8.8015% | 7,289 |
| Retained earnings to average equity (ytd only) | -8.8015% | 7,000 |
| Net charge-offs to loans | 3.8856% | 314 |
| Credit loss provision to net charge-offs | 109.2767% | 3,523 |
| Earnings coverage of net charge-offs (x) | 0.3349% | 4,707 |
| Efficiency ratio | 78.6787% | 3,052 |
| Assets per employee ($millions) | 3.8373% | 4,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 4,263 |
| Loan loss allowance to noncurrent loans | 27.9421% | 6,695 |
| Noncurrent assets plus other real estate owned to assets | 3.1172% | 1,804 |
| Noncurrent loans to loans | 4.5510% | 1,259 |
| Net loans and leases to total assets | 67.6232% | 4,218 |
| Net loans and leases to deposits | 77.9965% | 4,924 |
| Net loans and leases to core deposits | 89.3212% | 5,620 |
| Total domestic deposits to total assets | 86.7003% | 2,362 |
| Equity capital to assets | 13.0742% | 1,711 |
| Core capital (leverage) ratio | 11.0803% | 2,445 |
| Tier 1 risk-based capital ratio | 14.4009% | 3,363 |
| Total risk-based capital ratio | 15.5882% | 3,326 |
| Memoranda: | ||
| Average total assets | $98,287,000 | 5,226 |
| Average earning assets | $91,054,000 | 5,186 |
| Average equity | $13,270,500 | 4,518 |
| Average total loans | $65,472,000 | 5,152 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3020% | 7,594 |
| Cost of funding earning assets | 1.2730% | 7,870 |
| Net interest margin | 4.0290% | 2,983 |
| Noninterest income to average assets | 0.4296% | 5,218 |
| Noninterest expense to average assets | 3.0319% | 3,964 |
| Loan and lease loss provision to assets | 0.3994% | 3,293 |
| Net operating income to assets | 0.3755% | 5,251 |
| Return on assets (ROA) | 0.3755% | 5,061 |
| Pretax return on assets | 0.6522% | 4,540 |
| Return on Equity (ROE) | 2.5597% | 5,396 |
| Retained earnings to average equity (ytd only) | -6.1264% | 6,679 |
| Net charge-offs to loans | 0.2299% | 3,942 |
| Credit loss provision to net charge-offs | 286.5672% | 1,583 |
| Earnings coverage of net charge-offs (x) | 7.5448% | 3,084 |
| Efficiency ratio | 74.2486% | 3,532 |
| Assets per employee ($millions) | 3.3381% | 5,125 |
| Cash dividends to net income (ytd only)* | 339.3352% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2938% | 3,830 |
| Loan loss allowance to noncurrent loans | 99.1432% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.8440% | 4,741 |
| Noncurrent loans to loans | 1.3049% | 3,902 |
| Net loans and leases to total assets | 63.8376% | 5,304 |
| Net loans and leases to deposits | 74.4518% | 5,792 |
| Net loans and leases to core deposits | 83.5515% | 6,342 |
| Total domestic deposits to total assets | 85.7435% | 2,518 |
| Equity capital to assets | 13.9425% | 1,443 |
| Core capital (leverage) ratio | 11.2851% | 2,381 |
| Tier 1 risk-based capital ratio | 15.4994% | 2,847 |
| Total risk-based capital ratio | 16.6586% | 2,813 |
| Memoranda: | ||
| Average total assets | $96,143,400 | 5,166 |
| Average earning assets | $87,193,600 | 5,178 |
| Average equity | $14,103,000 | 4,319 |
| Average total loans | $58,289,600 | 5,352 |