Home > California National Bank > Performance and Condition Ratios
California National Bank, Performance and Condition Ratios
| 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 | 4.8821% | 6,922 |
| Cost of funding earning assets | 2.0507% | 3,116 |
| Net interest margin | 2.8314% | 7,001 |
| Noninterest income to average assets | 0.0978% | 7,414 |
| Noninterest expense to average assets | 2.1500% | 7,099 |
| Loan and lease loss provision to assets | 1.4282% | 1,343 |
| Net operating income to assets | -0.6582% | 6,573 |
| Return on assets (ROA) | -0.9453% | 6,800 |
| Pretax return on assets | -1.4666% | 6,944 |
| Return on Equity (ROE) | -20.7919% | 7,402 |
| Retained earnings to average equity (ytd only) | -20.7919% | 7,372 |
| Net charge-offs to loans | 1.9733% | 1,006 |
| Credit loss provision to net charge-offs | 100.3989% | 5,054 |
| Earnings coverage of net charge-offs (x) | 0.2883% | 5,726 |
| Efficiency ratio | 83.9799% | 2,301 |
| Assets per employee ($millions) | 10.7178% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1334% | 1,536 |
| Loan loss allowance to noncurrent loans | 31.4648% | 6,353 |
| Noncurrent assets plus other real estate owned to assets | 6.7966% | 718 |
| Noncurrent loans to loans | 6.7802% | 823 |
| Net loans and leases to total assets | 62.0779% | 5,230 |
| Net loans and leases to deposits | 78.6034% | 4,638 |
| Net loans and leases to core deposits | 114.8767% | 2,743 |
| Total domestic deposits to total assets | 78.9761% | 5,813 |
| Equity capital to assets | 3.9136% | 8,003 |
| Core capital (leverage) ratio | 0.0552% | 8,086 |
| Tier 1 risk-based capital ratio | 0.0691% | 8,086 |
| Total risk-based capital ratio | 0.1382% | 8,086 |
| Memoranda: | ||
| Average total assets | $6,908,137,250 | 142 |
| Average earning assets | $6,007,769,500 | 149 |
| Average equity | $314,063,250 | 250 |
| Average total loans | $4,980,152,250 | 131 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1946% | 6,094 |
| Cost of funding earning assets | 2.1396% | 3,090 |
| Net interest margin | 3.0550% | 6,380 |
| Noninterest income to average assets | 0.1715% | 7,065 |
| Noninterest expense to average assets | 2.2018% | 7,049 |
| Loan and lease loss provision to assets | 1.4810% | 1,158 |
| Net operating income to assets | -0.4908% | 6,538 |
| Return on assets (ROA) | -0.5556% | 6,613 |
| Pretax return on assets | -0.9669% | 6,793 |
| Return on Equity (ROE) | -11.5880% | 7,146 |
| Retained earnings to average equity (ytd only) | -11.5880% | 7,021 |
| Net charge-offs to loans | 2.1236% | 867 |
| Credit loss provision to net charge-offs | 92.3901% | 4,850 |
| Earnings coverage of net charge-offs (x) | 0.3838% | 5,303 |
| Efficiency ratio | 78.1587% | 3,321 |
| Assets per employee ($millions) | 9.7319% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0306% | 1,514 |
| Loan loss allowance to noncurrent loans | 49.1211% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 5.3814% | 941 |
| Noncurrent loans to loans | 4.1338% | 1,612 |
| Net loans and leases to total assets | 68.9473% | 3,956 |
| Net loans and leases to deposits | 86.7670% | 3,398 |
| Net loans and leases to core deposits | 124.5329% | 1,976 |
| Total domestic deposits to total assets | 79.4626% | 5,665 |
| Equity capital to assets | 4.5021% | 8,075 |
| Core capital (leverage) ratio | 0.9433% | 8,164 |
| Tier 1 risk-based capital ratio | 1.0003% | 8,169 |
| Total risk-based capital ratio | 2.0005% | 8,169 |
| Memoranda: | ||
| Average total assets | $6,617,149,670 | 153 |
| Average earning assets | $5,730,264,330 | 153 |
| Average equity | $317,242,670 | 252 |
| Average total loans | $4,994,990,330 | 136 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4159% | 5,337 |
| Cost of funding earning assets | 2.2272% | 3,026 |
| Net interest margin | 3.1887% | 5,891 |
| Noninterest income to average assets | 0.1968% | 6,885 |
| Noninterest expense to average assets | 2.0236% | 7,294 |
| Loan and lease loss provision to assets | 0.9510% | 1,370 |
| Net operating income to assets | -0.0146% | 6,281 |
| Return on assets (ROA) | 0.0566% | 6,261 |
| Pretax return on assets | 0.0723% | 6,225 |
| Return on Equity (ROE) | 1.1426% | 6,087 |
| Retained earnings to average equity (ytd only) | 1.1426% | 5,186 |
| Net charge-offs to loans | 1.5442% | 936 |
| Credit loss provision to net charge-offs | 78.6465% | 4,210 |
| Earnings coverage of net charge-offs (x) | 0.7707% | 4,405 |
| Efficiency ratio | 68.4661% | 4,874 |
| Assets per employee ($millions) | 8.6128% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0110% | 1,392 |
| Loan loss allowance to noncurrent loans | 81.6246% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 3.7926% | 1,392 |
| Noncurrent loans to loans | 2.4638% | 2,678 |
| Net loans and leases to total assets | 75.6873% | 2,347 |
| Net loans and leases to deposits | 101.5625% | 1,221 |
| Net loans and leases to core deposits | 145.2935% | 892 |
| Total domestic deposits to total assets | 74.5229% | 6,800 |
| Equity capital to assets | 4.9532% | 8,118 |
| Core capital (leverage) ratio | 3.7039% | 8,177 |
| Tier 1 risk-based capital ratio | 3.5784% | 8,207 |
| Total risk-based capital ratio | 4.8464% | 8,208 |
| Memoranda: | ||
| Average total assets | $6,393,053,500 | 156 |
| Average earning assets | $5,531,067,500 | 162 |
| Average equity | $316,818,500 | 254 |
| Average total loans | $5,006,321,000 | 137 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8310% | 1,584 |
| Cost of funding earning assets | 2.9256% | 2,157 |
| Net interest margin | 3.9054% | 3,528 |
| Noninterest income to average assets | 0.0279% | 7,991 |
| Noninterest expense to average assets | 1.9903% | 7,456 |
| Loan and lease loss provision to assets | 1.5443% | 871 |
| Net operating income to assets | 0.4452% | 4,970 |
| Return on assets (ROA) | -4.7933% | 8,057 |
| Pretax return on assets | -8.2009% | 8,209 |
| Return on Equity (ROE) | -58.2712% | 8,194 |
| Retained earnings to average equity (ytd only) | -62.1742% | 8,201 |
| Net charge-offs to loans | 0.8725% | 1,429 |
| Credit loss provision to net charge-offs | 242.1893% | 1,929 |
| Earnings coverage of net charge-offs (x) | 2.3974% | 4,879 |
| Efficiency ratio | 56.5593% | 6,934 |
| Assets per employee ($millions) | 8.2790% | 424 |
| Cash dividends to net income (ytd only)* | -6.6980% | 7,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1015% | 1,071 |
| Loan loss allowance to noncurrent loans | 97.5764% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 3.1017% | 1,480 |
| Noncurrent loans to loans | 2.1537% | 2,558 |
| Net loans and leases to total assets | 77.7424% | 2,207 |
| Net loans and leases to deposits | 105.3892% | 1,178 |
| Net loans and leases to core deposits | 156.1816% | 663 |
| Total domestic deposits to total assets | 73.7669% | 6,691 |
| Equity capital to assets | 4.9582% | 8,195 |
| Core capital (leverage) ratio | 3.6996% | 8,267 |
| Tier 1 risk-based capital ratio | 3.7404% | 8,280 |
| Total risk-based capital ratio | 4.9964% | 8,279 |
| Memoranda: | ||
| Average total assets | $6,229,441,400 | 156 |
| Average earning assets | $5,568,389,400 | 157 |
| Average equity | $512,426,000 | 186 |
| Average total loans | $4,552,605,400 | 146 |