Home > California Oaks State Bank > Performance and Condition Ratios
California Oaks State Bank, Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3798% | 2,973 |
| Cost of funding earning assets | 0.8872% | 6,448 |
| Net interest margin | 4.4926% | 1,273 |
| Noninterest income to average assets | 0.6069% | 3,394 |
| Noninterest expense to average assets | 4.5228% | 571 |
| Loan and lease loss provision to assets | 0.3015% | 4,162 |
| Net operating income to assets | -0.1417% | 6,232 |
| Return on assets (ROA) | -0.1417% | 6,318 |
| Pretax return on assets | -0.1417% | 6,263 |
| Return on Equity (ROE) | -1.1192% | 6,291 |
| Retained earnings to average equity (ytd only) | -2.1907% | 6,235 |
| Net charge-offs to loans | 0.6769% | 2,733 |
| Credit loss provision to net charge-offs | 61.2245% | 5,656 |
| Earnings coverage of net charge-offs (x) | 0.3245% | 5,704 |
| Efficiency ratio | 96.5880% | 884 |
| Assets per employee ($millions) | 4.7403% | 2,538 |
| Cash dividends to net income (ytd only)* | -95.7447% | 7,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8233% | 2,710 |
| Loan loss allowance to noncurrent loans | 71.9572% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.9605% | 3,522 |
| Noncurrent loans to loans | 2.5338% | 3,087 |
| Net loans and leases to total assets | 68.5483% | 3,082 |
| Net loans and leases to deposits | 82.0415% | 3,098 |
| Net loans and leases to core deposits | 89.4559% | 3,172 |
| Total domestic deposits to total assets | 83.5533% | 4,348 |
| Equity capital to assets | 12.1381% | 2,067 |
| Core capital (leverage) ratio | 12.0755% | 1,629 |
| Tier 1 risk-based capital ratio | 15.7861% | 2,865 |
| Total risk-based capital ratio | 17.0416% | 2,816 |
| Memoranda: | ||
| Average total assets | $132,686,250 | 4,259 |
| Average earning assets | $120,373,250 | 4,276 |
| Average equity | $16,798,000 | 3,679 |
| Average total loans | $96,523,500 | 3,954 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3540% | 3,196 |
| Cost of funding earning assets | 0.9558% | 6,359 |
| Net interest margin | 4.3982% | 1,444 |
| Noninterest income to average assets | 0.6270% | 3,150 |
| Noninterest expense to average assets | 4.2901% | 734 |
| Loan and lease loss provision to assets | 0.3051% | 3,950 |
| Net operating income to assets | 0.0122% | 6,065 |
| Return on assets (ROA) | 0.0122% | 6,168 |
| Pretax return on assets | 0.0122% | 6,136 |
| Return on Equity (ROE) | 0.0950% | 6,168 |
| Retained earnings to average equity (ytd only) | -0.9741% | 5,963 |
| Net charge-offs to loans | 0.7218% | 2,416 |
| Credit loss provision to net charge-offs | 57.3066% | 5,277 |
| Earnings coverage of net charge-offs (x) | 0.5960% | 5,143 |
| Efficiency ratio | 93.1126% | 1,114 |
| Assets per employee ($millions) | 4.7149% | 2,558 |
| Cash dividends to net income (ytd only)* | 1,125.0000% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8881% | 2,445 |
| Loan loss allowance to noncurrent loans | 61.4830% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 2.1882% | 3,272 |
| Noncurrent loans to loans | 3.0709% | 2,621 |
| Net loans and leases to total assets | 68.0653% | 3,344 |
| Net loans and leases to deposits | 81.6614% | 3,321 |
| Net loans and leases to core deposits | 89.8131% | 3,301 |
| Total domestic deposits to total assets | 83.3506% | 4,413 |
| Equity capital to assets | 12.3248% | 1,912 |
| Core capital (leverage) ratio | 12.7723% | 1,296 |
| Tier 1 risk-based capital ratio | 16.1327% | 2,613 |
| Total risk-based capital ratio | 17.3886% | 2,573 |
| Memoranda: | ||
| Average total assets | $131,092,330 | 4,322 |
| Average earning assets | $118,639,670 | 4,346 |
| Average equity | $16,835,330 | 3,664 |
| Average total loans | $96,704,000 | 3,991 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5606% | 2,318 |
| Cost of funding earning assets | 1.1101% | 5,851 |
| Net interest margin | 4.4505% | 1,254 |
| Noninterest income to average assets | 0.6580% | 2,891 |
| Noninterest expense to average assets | 4.4187% | 630 |
| Loan and lease loss provision to assets | 0.3118% | 3,550 |
| Net operating income to assets | -0.0343% | 6,354 |
| Return on assets (ROA) | -0.0343% | 6,440 |
| Pretax return on assets | -0.0343% | 6,397 |
| Return on Equity (ROE) | -0.2615% | 6,440 |
| Retained earnings to average equity (ytd only) | -1.3312% | 6,098 |
| Net charge-offs to loans | 1.0161% | 1,617 |
| Credit loss provision to net charge-offs | 40.3226% | 4,636 |
| Earnings coverage of net charge-offs (x) | 0.3589% | 4,719 |
| Efficiency ratio | 94.0903% | 1,132 |
| Assets per employee ($millions) | 4.6828% | 2,671 |
| Cash dividends to net income (ytd only)* | -409.0909% | 7,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 2,516 |
| Loan loss allowance to noncurrent loans | 113.0599% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 1.2088% | 4,755 |
| Noncurrent loans to loans | 1.6576% | 4,261 |
| Net loans and leases to total assets | 71.5615% | 2,557 |
| Net loans and leases to deposits | 86.5239% | 2,499 |
| Net loans and leases to core deposits | 97.6816% | 2,378 |
| Total domestic deposits to total assets | 82.7072% | 4,755 |
| Equity capital to assets | 12.8106% | 1,596 |
| Core capital (leverage) ratio | 12.8944% | 1,249 |
| Tier 1 risk-based capital ratio | 15.8585% | 2,703 |
| Total risk-based capital ratio | 17.1141% | 2,646 |
| Memoranda: | ||
| Average total assets | $128,272,500 | 4,448 |
| Average earning assets | $116,391,000 | 4,460 |
| Average equity | $16,827,000 | 3,690 |
| Average total loans | $97,627,000 | 4,035 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8751% | 2,351 |
| Cost of funding earning assets | 1.3942% | 5,952 |
| Net interest margin | 4.4809% | 1,213 |
| Noninterest income to average assets | 0.8732% | 2,062 |
| Noninterest expense to average assets | 4.6111% | 710 |
| Loan and lease loss provision to assets | 0.5441% | 3,649 |
| Net operating income to assets | -0.5044% | 6,183 |
| Return on assets (ROA) | -0.4465% | 6,122 |
| Pretax return on assets | -0.2094% | 5,715 |
| Return on Equity (ROE) | -3.3607% | 6,036 |
| Retained earnings to average equity (ytd only) | -4.2322% | 5,906 |
| Net charge-offs to loans | 1.0697% | 2,277 |
| Credit loss provision to net charge-offs | 62.8781% | 6,600 |
| Earnings coverage of net charge-offs (x) | 0.3199% | 5,795 |
| Efficiency ratio | 94.3372% | 1,393 |
| Assets per employee ($millions) | 4.6454% | 2,693 |
| Cash dividends to net income (ytd only)* | -25.9325% | 7,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9472% | 2,152 |
| Loan loss allowance to noncurrent loans | 143.0678% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 1.0811% | 4,929 |
| Noncurrent loans to loans | 1.3610% | 4,649 |
| Net loans and leases to total assets | 77.8875% | 1,410 |
| Net loans and leases to deposits | 100.5879% | 853 |
| Net loans and leases to core deposits | 120.8730% | 1,890 |
| Total domestic deposits to total assets | 77.4323% | 6,359 |
| Equity capital to assets | 13.4397% | 1,350 |
| Core capital (leverage) ratio | 13.1571% | 1,195 |
| Tier 1 risk-based capital ratio | 15.4151% | 2,751 |
| Total risk-based capital ratio | 16.6720% | 2,702 |
| Memoranda: | ||
| Average total assets | $126,087,800 | 4,427 |
| Average earning assets | $112,968,000 | 4,479 |
| Average equity | $16,752,400 | 3,723 |
| Average total loans | $101,995,400 | 3,896 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9397% | 2,275 |
| Cost of funding earning assets | 1.4713% | 5,951 |
| Net interest margin | 4.4683% | 1,271 |
| Noninterest income to average assets | 0.9452% | 1,797 |
| Noninterest expense to average assets | 4.6804% | 622 |
| Loan and lease loss provision to assets | 0.1954% | 5,432 |
| Net operating income to assets | 0.0591% | 5,579 |
| Return on assets (ROA) | 0.1362% | 5,426 |
| Pretax return on assets | 0.1362% | 5,447 |
| Return on Equity (ROE) | 1.0283% | 5,486 |
| Retained earnings to average equity (ytd only) | 0.2232% | 5,106 |
| Net charge-offs to loans | 0.7694% | 2,435 |
| Credit loss provision to net charge-offs | 31.2500% | 6,498 |
| Earnings coverage of net charge-offs (x) | 0.4071% | 5,622 |
| Efficiency ratio | 94.8427% | 1,344 |
| Assets per employee ($millions) | 4.4911% | 2,875 |
| Cash dividends to net income (ytd only)* | 78.2907% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0135% | 1,769 |
| Loan loss allowance to noncurrent loans | 195.1662% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.7624% | 5,600 |
| Noncurrent loans to loans | 1.0317% | 5,246 |
| Net loans and leases to total assets | 72.4134% | 2,932 |
| Net loans and leases to deposits | 98.1967% | 1,303 |
| Net loans and leases to core deposits | 115.9778% | 2,624 |
| Total domestic deposits to total assets | 73.7433% | 7,000 |
| Equity capital to assets | 13.4927% | 1,504 |
| Core capital (leverage) ratio | 13.2328% | 1,313 |
| Tier 1 risk-based capital ratio | 16.1220% | 2,588 |
| Total risk-based capital ratio | 17.3799% | 2,522 |
| Memoranda: | ||
| Average total assets | $126,253,000 | 4,442 |
| Average earning assets | $112,731,000 | 4,524 |
| Average equity | $16,726,250 | 3,762 |
| Average total loans | $102,586,250 | 3,921 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9967% | 2,189 |
| Cost of funding earning assets | 1.5173% | 6,067 |
| Net interest margin | 4.4794% | 1,217 |
| Noninterest income to average assets | 0.9094% | 1,946 |
| Noninterest expense to average assets | 4.7261% | 628 |
| Loan and lease loss provision to assets | 0.2482% | 4,593 |
| Net operating income to assets | -0.0144% | 5,874 |
| Return on assets (ROA) | 0.1025% | 5,655 |
| Pretax return on assets | 0.1025% | 5,668 |
| Return on Equity (ROE) | 0.7784% | 5,701 |
| Retained earnings to average equity (ytd only) | 0.0973% | 5,165 |
| Net charge-offs to loans | 1.0640% | 1,693 |
| Credit loss provision to net charge-offs | 27.8276% | 6,055 |
| Earnings coverage of net charge-offs (x) | 0.2621% | 5,409 |
| Efficiency ratio | 95.2873% | 1,423 |
| Assets per employee ($millions) | 4.3755% | 2,978 |
| Cash dividends to net income (ytd only)* | 87.5000% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 1,693 |
| Loan loss allowance to noncurrent loans | 63.0639% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 2.8962% | 2,209 |
| Noncurrent loans to loans | 3.0769% | 2,332 |
| Net loans and leases to total assets | 77.3828% | 1,886 |
| Net loans and leases to deposits | 105.9932% | 766 |
| Net loans and leases to core deposits | 125.5864% | 1,911 |
| Total domestic deposits to total assets | 73.0073% | 7,109 |
| Equity capital to assets | 13.8049% | 1,386 |
| Core capital (leverage) ratio | 13.6172% | 1,236 |
| Tier 1 risk-based capital ratio | 15.4128% | 2,856 |
| Total risk-based capital ratio | 16.6696% | 2,774 |
| Memoranda: | ||
| Average total assets | $124,923,670 | 4,511 |
| Average earning assets | $112,961,670 | 4,541 |
| Average equity | $16,444,000 | 3,828 |
| Average total loans | $104,698,330 | 3,899 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2201% | 1,536 |
| Cost of funding earning assets | 1.6367% | 5,878 |
| Net interest margin | 4.5834% | 967 |
| Noninterest income to average assets | 0.8197% | 2,232 |
| Noninterest expense to average assets | 4.6506% | 616 |
| Loan and lease loss provision to assets | 0.1936% | 4,499 |
| Net operating income to assets | 0.1420% | 5,851 |
| Return on assets (ROA) | 0.3776% | 5,139 |
| Pretax return on assets | 0.3776% | 5,457 |
| Return on Equity (ROE) | 2.9420% | 5,396 |
| Retained earnings to average equity (ytd only) | 2.6654% | 4,398 |
| Net charge-offs to loans | 1.4956% | 967 |
| Credit loss provision to net charge-offs | 15.0000% | 5,142 |
| Earnings coverage of net charge-offs (x) | 0.2600% | 4,764 |
| Efficiency ratio | 93.2686% | 1,480 |
| Assets per employee ($millions) | 4.5184% | 2,689 |
| Cash dividends to net income (ytd only)* | 9.4017% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8850% | 1,656 |
| Loan loss allowance to noncurrent loans | 76.5267% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 2.0709% | 2,791 |
| Noncurrent loans to loans | 2.4632% | 2,679 |
| Net loans and leases to total assets | 82.4882% | 931 |
| Net loans and leases to deposits | 113.0440% | 476 |
| Net loans and leases to core deposits | 134.9750% | 1,359 |
| Total domestic deposits to total assets | 72.9700% | 7,058 |
| Equity capital to assets | 13.9082% | 1,389 |
| Core capital (leverage) ratio | 13.5185% | 1,318 |
| Tier 1 risk-based capital ratio | 14.8970% | 3,116 |
| Total risk-based capital ratio | 16.1536% | 3,041 |
| Memoranda: | ||
| Average total assets | $123,940,500 | 4,544 |
| Average earning assets | $112,667,500 | 4,566 |
| Average equity | $15,907,500 | 3,960 |
| Average total loans | $106,980,500 | 3,860 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1314% | 858 |
| Cost of funding earning assets | 1.6727% | 7,322 |
| Net interest margin | 5.4587% | 219 |
| Noninterest income to average assets | 0.6990% | 3,129 |
| Noninterest expense to average assets | 5.2319% | 566 |
| Loan and lease loss provision to assets | 1.3585% | 1,031 |
| Net operating income to assets | -0.9175% | 7,199 |
| Return on assets (ROA) | -0.8968% | 7,106 |
| Pretax return on assets | -0.8968% | 6,939 |
| Return on Equity (ROE) | -7.2361% | 7,065 |
| Retained earnings to average equity (ytd only) | -7.2361% | 6,807 |
| Net charge-offs to loans | 0.2805% | 3,528 |
| Credit loss provision to net charge-offs | 578.2456% | 754 |
| Earnings coverage of net charge-offs (x) | 1.8772% | 5,132 |
| Efficiency ratio | 92.2261% | 1,367 |
| Assets per employee ($millions) | 4.3345% | 2,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1794% | 971 |
| Loan loss allowance to noncurrent loans | 75.4262% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 2.5617% | 1,884 |
| Noncurrent loans to loans | 2.8895% | 1,863 |
| Net loans and leases to total assets | 86.7220% | 506 |
| Net loans and leases to deposits | 116.5415% | 504 |
| Net loans and leases to core deposits | 133.1651% | 1,644 |
| Total domestic deposits to total assets | 74.4129% | 6,578 |
| Equity capital to assets | 11.7158% | 2,491 |
| Core capital (leverage) ratio | 10.7023% | 2,820 |
| Tier 1 risk-based capital ratio | 11.8878% | 4,908 |
| Total risk-based capital ratio | 13.1552% | 4,799 |
| Memoranda: | ||
| Average total assets | $121,314,000 | 4,487 |
| Average earning assets | $110,538,600 | 4,498 |
| Average equity | $15,035,800 | 4,137 |
| Average total loans | $101,615,800 | 3,903 |