Home > Bay National Bank > Performance and Condition Ratios
Bay National Bank, Performance and Condition Ratios
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9050% | 7,422 |
| Cost of funding earning assets | 1.5625% | 2,888 |
| Net interest margin | 2.3425% | 7,512 |
| Noninterest income to average assets | 0.2506% | 6,119 |
| Noninterest expense to average assets | 3.7387% | 1,481 |
| Loan and lease loss provision to assets | 1.3993% | 957 |
| Net operating income to assets | -2.6643% | 7,453 |
| Return on assets (ROA) | -2.6643% | 7,462 |
| Pretax return on assets | -2.6643% | 7,406 |
| Return on Equity (ROE) | -125.8608% | 7,762 |
| Retained earnings to average equity (ytd only) | -125.8608% | 7,762 |
| Net charge-offs to loans | 3.4686% | 429 |
| Credit loss provision to net charge-offs | 61.7007% | 5,174 |
| Earnings coverage of net charge-offs (x) | -0.5578% | 6,033 |
| Efficiency ratio | 151.1357% | 201 |
| Assets per employee ($millions) | 9.8974% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2308% | 93 |
| Loan loss allowance to noncurrent loans | 39.1210% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 12.2934% | 257 |
| Noncurrent loans to loans | 15.9271% | 148 |
| Net loans and leases to total assets | 59.5491% | 5,146 |
| Net loans and leases to deposits | 60.9862% | 6,314 |
| Net loans and leases to core deposits | 62.6281% | 6,502 |
| Total domestic deposits to total assets | 97.6436% | 10 |
| Equity capital to assets | 1.9909% | 7,791 |
| Core capital (leverage) ratio | 1.5478% | 7,793 |
| Tier 1 risk-based capital ratio | 2.6293% | 7,783 |
| Total risk-based capital ratio | 3.9382% | 7,784 |
| Memoranda: | ||
| Average total assets | $263,410,000 | 2,479 |
| Average earning assets | $249,989,330 | 2,394 |
| Average equity | $5,576,000 | 6,597 |
| Average total loans | $172,229,330 | 2,514 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9617% | 7,488 |
| Cost of funding earning assets | 1.5764% | 3,094 |
| Net interest margin | 2.3853% | 7,542 |
| Noninterest income to average assets | 0.2781% | 5,921 |
| Noninterest expense to average assets | 3.6109% | 1,708 |
| Loan and lease loss provision to assets | 2.5754% | 407 |
| Net operating income to assets | -3.6500% | 7,692 |
| Return on assets (ROA) | -3.6500% | 7,694 |
| Pretax return on assets | -3.6500% | 7,656 |
| Return on Equity (ROE) | -168.6113% | 7,876 |
| Retained earnings to average equity (ytd only) | -168.6113% | 7,874 |
| Net charge-offs to loans | 5.6574% | 197 |
| Credit loss provision to net charge-offs | 68.8714% | 4,127 |
| Earnings coverage of net charge-offs (x) | -0.2874% | 5,202 |
| Efficiency ratio | 142.3691% | 242 |
| Assets per employee ($millions) | 7.8382% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8552% | 193 |
| Loan loss allowance to noncurrent loans | 36.6011% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 9.8531% | 409 |
| Noncurrent loans to loans | 13.2652% | 236 |
| Net loans and leases to total assets | 61.9961% | 4,757 |
| Net loans and leases to deposits | 63.3623% | 6,127 |
| Net loans and leases to core deposits | 65.1192% | 6,361 |
| Total domestic deposits to total assets | 97.8439% | 17 |
| Equity capital to assets | 1.7464% | 7,892 |
| Core capital (leverage) ratio | 1.6246% | 7,893 |
| Tier 1 risk-based capital ratio | 2.4540% | 7,890 |
| Total risk-based capital ratio | 3.7468% | 7,889 |
| Memoranda: | ||
| Average total assets | $286,243,500 | 2,340 |
| Average earning assets | $270,995,000 | 2,279 |
| Average equity | $6,196,500 | 6,455 |
| Average total loans | $189,204,000 | 2,385 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4686% | 7,406 |
| Cost of funding earning assets | 2.0942% | 2,490 |
| Net interest margin | 2.3744% | 7,528 |
| Noninterest income to average assets | 0.2944% | 6,008 |
| Noninterest expense to average assets | 3.4512% | 2,523 |
| Loan and lease loss provision to assets | 3.6312% | 417 |
| Net operating income to assets | -5.2459% | 7,774 |
| Return on assets (ROA) | -5.2459% | 7,764 |
| Pretax return on assets | -4.6154% | 7,656 |
| Return on Equity (ROE) | -84.2163% | 7,883 |
| Retained earnings to average equity (ytd only) | -84.2163% | 7,878 |
| Net charge-offs to loans | 2.9577% | 725 |
| Credit loss provision to net charge-offs | 161.8003% | 2,731 |
| Earnings coverage of net charge-offs (x) | -0.4386% | 6,657 |
| Efficiency ratio | 139.8982% | 384 |
| Assets per employee ($millions) | 6.9122% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0169% | 174 |
| Loan loss allowance to noncurrent loans | 47.7776% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 7.9773% | 567 |
| Noncurrent loans to loans | 10.5005% | 376 |
| Net loans and leases to total assets | 63.6499% | 4,668 |
| Net loans and leases to deposits | 65.6025% | 6,101 |
| Net loans and leases to core deposits | 133.7164% | 1,074 |
| Total domestic deposits to total assets | 97.0236% | 20 |
| Equity capital to assets | 2.5714% | 7,939 |
| Core capital (leverage) ratio | 2.4652% | 7,933 |
| Tier 1 risk-based capital ratio | 3.6082% | 7,924 |
| Total risk-based capital ratio | 4.9032% | 7,925 |
| Memoranda: | ||
| Average total assets | $294,534,600 | 2,250 |
| Average earning assets | $269,502,200 | 2,240 |
| Average equity | $18,346,800 | 3,453 |
| Average total loans | $223,485,000 | 2,074 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6223% | 7,386 |
| Cost of funding earning assets | 2.2174% | 2,322 |
| Net interest margin | 2.4049% | 7,557 |
| Noninterest income to average assets | 0.3063% | 6,030 |
| Noninterest expense to average assets | 2.9915% | 4,078 |
| Loan and lease loss provision to assets | 2.5684% | 638 |
| Net operating income to assets | -1.7673% | 7,221 |
| Return on assets (ROA) | -1.7673% | 7,223 |
| Pretax return on assets | -3.0731% | 7,528 |
| Return on Equity (ROE) | -24.7962% | 7,500 |
| Retained earnings to average equity (ytd only) | -24.7962% | 7,477 |
| Net charge-offs to loans | 2.9854% | 562 |
| Credit loss provision to net charge-offs | 110.2207% | 4,614 |
| Earnings coverage of net charge-offs (x) | -0.2166% | 6,300 |
| Efficiency ratio | 120.2975% | 583 |
| Assets per employee ($millions) | 6.6086% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0519% | 648 |
| Loan loss allowance to noncurrent loans | 56.8144% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 5.0590% | 1,156 |
| Noncurrent loans to loans | 5.3716% | 1,185 |
| Net loans and leases to total assets | 66.2602% | 4,368 |
| Net loans and leases to deposits | 70.9581% | 5,796 |
| Net loans and leases to core deposits | 136.7681% | 1,062 |
| Total domestic deposits to total assets | 93.3794% | 67 |
| Equity capital to assets | 6.4202% | 7,780 |
| Core capital (leverage) ratio | 4.9802% | 7,921 |
| Tier 1 risk-based capital ratio | 6.9422% | 7,901 |
| Total risk-based capital ratio | 8.2124% | 7,903 |
| Memoranda: | ||
| Average total assets | $295,590,000 | 2,260 |
| Average earning assets | $267,998,000 | 2,268 |
| Average equity | $21,067,250 | 3,089 |
| Average total loans | $230,720,250 | 2,053 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7012% | 7,389 |
| Cost of funding earning assets | 2.2602% | 2,528 |
| Net interest margin | 2.4409% | 7,536 |
| Noninterest income to average assets | 0.2997% | 6,119 |
| Noninterest expense to average assets | 2.9560% | 4,270 |
| Loan and lease loss provision to assets | 2.6401% | 583 |
| Net operating income to assets | -1.7845% | 7,359 |
| Return on assets (ROA) | -1.7845% | 7,354 |
| Pretax return on assets | -3.0984% | 7,594 |
| Return on Equity (ROE) | -24.2298% | 7,613 |
| Retained earnings to average equity (ytd only) | -24.2298% | 7,577 |
| Net charge-offs to loans | 2.3654% | 753 |
| Credit loss provision to net charge-offs | 137.2577% | 3,400 |
| Earnings coverage of net charge-offs (x) | -0.2383% | 5,914 |
| Efficiency ratio | 118.3496% | 695 |
| Assets per employee ($millions) | 6.8833% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0106% | 565 |
| Loan loss allowance to noncurrent loans | 44.2633% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 5.9668% | 815 |
| Noncurrent loans to loans | 6.8015% | 739 |
| Net loans and leases to total assets | 68.4958% | 4,073 |
| Net loans and leases to deposits | 74.4623% | 5,384 |
| Net loans and leases to core deposits | 136.2926% | 1,195 |
| Total domestic deposits to total assets | 91.9873% | 217 |
| Equity capital to assets | 6.3812% | 7,844 |
| Core capital (leverage) ratio | 5.9405% | 7,936 |
| Tier 1 risk-based capital ratio | 6.8568% | 8,022 |
| Total risk-based capital ratio | 8.1247% | 8,028 |
| Memoranda: | ||
| Average total assets | $294,990,670 | 2,287 |
| Average earning assets | $265,636,000 | 2,305 |
| Average equity | $21,725,330 | 3,006 |
| Average total loans | $239,876,000 | 2,004 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0424% | 6,823 |
| Cost of funding earning assets | 2.4215% | 2,200 |
| Net interest margin | 2.6208% | 7,339 |
| Noninterest income to average assets | 0.2562% | 6,405 |
| Noninterest expense to average assets | 2.9785% | 3,857 |
| Loan and lease loss provision to assets | 1.4780% | 851 |
| Net operating income to assets | -1.0459% | 7,279 |
| Return on assets (ROA) | -1.0459% | 7,292 |
| Pretax return on assets | -1.8679% | 7,495 |
| Return on Equity (ROE) | -13.2174% | 7,529 |
| Retained earnings to average equity (ytd only) | -13.2174% | 7,338 |
| Net charge-offs to loans | 0.8177% | 1,587 |
| Credit loss provision to net charge-offs | 207.1006% | 2,157 |
| Earnings coverage of net charge-offs (x) | -0.5464% | 5,271 |
| Efficiency ratio | 115.0625% | 713 |
| Assets per employee ($millions) | 6.0702% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5087% | 758 |
| Loan loss allowance to noncurrent loans | 50.2627% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 5.2639% | 830 |
| Noncurrent loans to loans | 4.9912% | 1,087 |
| Net loans and leases to total assets | 81.2380% | 1,143 |
| Net loans and leases to deposits | 88.0517% | 3,279 |
| Net loans and leases to core deposits | 142.2300% | 1,003 |
| Total domestic deposits to total assets | 92.2617% | 145 |
| Equity capital to assets | 7.4347% | 7,408 |
| Core capital (leverage) ratio | 6.8329% | 7,746 |
| Tier 1 risk-based capital ratio | 7.0862% | 8,091 |
| Total risk-based capital ratio | 8.3491% | 8,097 |
| Memoranda: | ||
| Average total assets | $284,169,000 | 2,369 |
| Average earning assets | $252,897,500 | 2,424 |
| Average equity | $22,485,500 | 2,922 |
| Average total loans | $248,007,500 | 1,977 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1205% | 4,935 |
| Cost of funding earning assets | 2.4606% | 4,420 |
| Net interest margin | 3.6599% | 4,643 |
| Noninterest income to average assets | 0.2838% | 6,438 |
| Noninterest expense to average assets | 4.1023% | 1,277 |
| Loan and lease loss provision to assets | 2.4093% | 444 |
| Net operating income to assets | -1.5457% | 7,485 |
| Return on assets (ROA) | -1.5457% | 7,433 |
| Pretax return on assets | -2.8196% | 7,665 |
| Return on Equity (ROE) | -17.2307% | 7,673 |
| Retained earnings to average equity (ytd only) | -17.2307% | 7,577 |
| Net charge-offs to loans | 2.3546% | 437 |
| Credit loss provision to net charge-offs | 111.6319% | 4,829 |
| Earnings coverage of net charge-offs (x) | -0.1901% | 6,372 |
| Efficiency ratio | 111.1111% | 687 |
| Assets per employee ($millions) | 4.7526% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2868% | 869 |
| Loan loss allowance to noncurrent loans | 36.6839% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 7.1404% | 357 |
| Noncurrent loans to loans | 6.2339% | 537 |
| Net loans and leases to total assets | 89.5126% | 232 |
| Net loans and leases to deposits | 98.9194% | 1,990 |
| Net loans and leases to core deposits | 153.9154% | 718 |
| Total domestic deposits to total assets | 90.4904% | 493 |
| Equity capital to assets | 8.4376% | 6,194 |
| Core capital (leverage) ratio | 8.3067% | 5,935 |
| Tier 1 risk-based capital ratio | 8.3113% | 8,032 |
| Total risk-based capital ratio | 9.5712% | 8,070 |
| Memoranda: | ||
| Average total assets | $268,872,600 | 2,393 |
| Average earning assets | $250,389,800 | 2,367 |
| Average equity | $24,119,800 | 2,718 |
| Average total loans | $246,457,000 | 1,930 |