Home > Community Banks of Northern California > Performance and Condition Ratios
Community Banks of Northern California, 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 | 4.5550% | 7,334 |
| Cost of funding earning assets | 2.7912% | 456 |
| Net interest margin | 1.7638% | 7,818 |
| Noninterest income to average assets | 0.6659% | 3,187 |
| Noninterest expense to average assets | 5.9970% | 312 |
| Loan and lease loss provision to assets | 6.6366% | 79 |
| Net operating income to assets | -9.0426% | 7,959 |
| Return on assets (ROA) | -8.5234% | 7,947 |
| Pretax return on assets | -9.8994% | 7,965 |
| Return on Equity (ROE) | -120.0639% | 7,967 |
| Retained earnings to average equity (ytd only) | -120.0639% | 7,966 |
| Net charge-offs to loans | 14.2187% | 9 |
| Credit loss provision to net charge-offs | 72.1603% | 6,446 |
| Earnings coverage of net charge-offs (x) | -0.4204% | 6,646 |
| Efficiency ratio | 155.4753% | 279 |
| Assets per employee ($millions) | 6.3254% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3658% | 87 |
| Loan loss allowance to noncurrent loans | 24.8628% | 6,805 |
| Noncurrent assets plus other real estate owned to assets | 15.8951% | 118 |
| Noncurrent loans to loans | 25.6039% | 33 |
| Net loans and leases to total assets | 44.4142% | 7,090 |
| Net loans and leases to deposits | 46.4890% | 7,419 |
| Net loans and leases to core deposits | 91.5215% | 4,947 |
| Total domestic deposits to total assets | 95.5370% | 42 |
| Equity capital to assets | 4.1021% | 7,851 |
| Core capital (leverage) ratio | 2.3631% | 7,940 |
| Tier 1 risk-based capital ratio | 4.3108% | 7,898 |
| Total risk-based capital ratio | 5.6131% | 7,900 |
| Memoranda: | ||
| Average total assets | $156,029,200 | 3,859 |
| Average earning assets | $129,549,600 | 4,096 |
| Average equity | $11,076,600 | 5,002 |
| Average total loans | $100,923,200 | 3,918 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0145% | 6,560 |
| Cost of funding earning assets | 2.8993% | 456 |
| Net interest margin | 2.1152% | 7,751 |
| Noninterest income to average assets | 0.5933% | 3,763 |
| Noninterest expense to average assets | 6.8864% | 206 |
| Loan and lease loss provision to assets | 4.7898% | 191 |
| Net operating income to assets | -7.4185% | 7,993 |
| Return on assets (ROA) | -7.0663% | 7,980 |
| Pretax return on assets | -8.8814% | 8,023 |
| Return on Equity (ROE) | -90.7556% | 7,991 |
| Retained earnings to average equity (ytd only) | -90.7556% | 7,990 |
| Net charge-offs to loans | 5.2290% | 198 |
| Credit loss provision to net charge-offs | 133.4582% | 3,737 |
| Earnings coverage of net charge-offs (x) | -1.2627% | 6,673 |
| Efficiency ratio | 143.5046% | 351 |
| Assets per employee ($millions) | 6.1267% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.2591% | 14 |
| Loan loss allowance to noncurrent loans | 28.7131% | 6,553 |
| Noncurrent assets plus other real estate owned to assets | 25.9220% | 17 |
| Noncurrent loans to loans | 39.2123% | 7 |
| Net loans and leases to total assets | 52.6214% | 6,550 |
| Net loans and leases to deposits | 56.9403% | 7,030 |
| Net loans and leases to core deposits | 112.0922% | 3,012 |
| Total domestic deposits to total assets | 92.4150% | 126 |
| Equity capital to assets | 7.2116% | 7,480 |
| Core capital (leverage) ratio | 5.0690% | 7,916 |
| Tier 1 risk-based capital ratio | 6.9495% | 7,900 |
| Total risk-based capital ratio | 8.3164% | 7,893 |
| Memoranda: | ||
| Average total assets | $158,665,250 | 3,816 |
| Average earning assets | $132,120,500 | 4,064 |
| Average equity | $12,353,750 | 4,698 |
| Average total loans | $108,901,750 | 3,757 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5629% | 4,266 |
| Cost of funding earning assets | 3.2338% | 245 |
| Net interest margin | 2.3291% | 7,651 |
| Noninterest income to average assets | 0.6558% | 3,299 |
| Noninterest expense to average assets | 8.7671% | 142 |
| Loan and lease loss provision to assets | 7.0137% | 95 |
| Net operating income to assets | -10.5429% | 8,131 |
| Return on assets (ROA) | -10.0271% | 8,120 |
| Pretax return on assets | -12.5286% | 8,142 |
| Return on Equity (ROE) | -125.9797% | 8,107 |
| Retained earnings to average equity (ytd only) | -125.9797% | 8,106 |
| Net charge-offs to loans | 5.5882% | 208 |
| Credit loss provision to net charge-offs | 175.6549% | 2,610 |
| Earnings coverage of net charge-offs (x) | -1.5427% | 6,318 |
| Efficiency ratio | 140.3492% | 426 |
| Assets per employee ($millions) | 4.6819% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.2325% | 9 |
| Loan loss allowance to noncurrent loans | 32.4903% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 30.4439% | 16 |
| Noncurrent loans to loans | 37.6496% | 9 |
| Net loans and leases to total assets | 63.9108% | 5,005 |
| Net loans and leases to deposits | 70.2408% | 5,965 |
| Net loans and leases to core deposits | 127.3978% | 1,753 |
| Total domestic deposits to total assets | 90.9882% | 455 |
| Equity capital to assets | 8.5551% | 5,965 |
| Core capital (leverage) ratio | 6.8645% | 7,624 |
| Tier 1 risk-based capital ratio | 9.0445% | 7,678 |
| Total risk-based capital ratio | 10.4181% | 7,615 |
| Memoranda: | ||
| Average total assets | $162,540,000 | 3,769 |
| Average earning assets | $136,187,330 | 4,023 |
| Average equity | $12,937,000 | 4,561 |
| Average total loans | $116,138,330 | 3,622 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4041% | 5,404 |
| Cost of funding earning assets | 3.2015% | 344 |
| Net interest margin | 2.2026% | 7,793 |
| Noninterest income to average assets | 0.3542% | 5,610 |
| Noninterest expense to average assets | 12.4890% | 84 |
| Loan and lease loss provision to assets | 12.3534% | 25 |
| Net operating income to assets | -18.2556% | 8,218 |
| Return on assets (ROA) | -17.3276% | 8,209 |
| Pretax return on assets | -21.4621% | 8,217 |
| Return on Equity (ROE) | -223.2630% | 8,205 |
| Retained earnings to average equity (ytd only) | -223.2630% | 8,204 |
| Net charge-offs to loans | 8.5151% | 85 |
| Credit loss provision to net charge-offs | 204.3400% | 2,176 |
| Earnings coverage of net charge-offs (x) | -1.6962% | 5,450 |
| Efficiency ratio | 154.9902% | 331 |
| Assets per employee ($millions) | 5.9442% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.3538% | 20 |
| Loan loss allowance to noncurrent loans | 37.5583% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 18.3243% | 47 |
| Noncurrent loans to loans | 24.9048% | 21 |
| Net loans and leases to total assets | 61.2558% | 5,455 |
| Net loans and leases to deposits | 65.3976% | 6,428 |
| Net loans and leases to core deposits | 109.0540% | 3,558 |
| Total domestic deposits to total assets | 93.6667% | 55 |
| Equity capital to assets | 5.9279% | 8,008 |
| Core capital (leverage) ratio | 5.0097% | 8,123 |
| Tier 1 risk-based capital ratio | 7.1003% | 8,088 |
| Total risk-based capital ratio | 8.4418% | 8,091 |
| Memoranda: | ||
| Average total assets | $182,945,500 | 3,463 |
| Average earning assets | $156,178,500 | 3,645 |
| Average equity | $14,198,500 | 4,294 |
| Average total loans | $129,887,000 | 3,365 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6590% | 2,209 |
| Cost of funding earning assets | 3.6458% | 321 |
| Net interest margin | 3.0132% | 6,877 |
| Noninterest income to average assets | 0.3748% | 5,696 |
| Noninterest expense to average assets | 3.0592% | 3,862 |
| Loan and lease loss provision to assets | 6.9340% | 41 |
| Net operating income to assets | -4.1522% | 8,004 |
| Return on assets (ROA) | -4.1522% | 7,993 |
| Pretax return on assets | -7.0235% | 8,163 |
| Return on Equity (ROE) | -39.0516% | 8,069 |
| Retained earnings to average equity (ytd only) | -39.0516% | 8,035 |
| Net charge-offs to loans | 4.6148% | 119 |
| Credit loss provision to net charge-offs | 192.1860% | 2,553 |
| Earnings coverage of net charge-offs (x) | -0.0248% | 6,260 |
| Efficiency ratio | 101.3562% | 930 |
| Assets per employee ($millions) | 5.6838% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0222% | 55 |
| Loan loss allowance to noncurrent loans | 74.1163% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 7.4539% | 327 |
| Noncurrent loans to loans | 8.1254% | 325 |
| Net loans and leases to total assets | 69.7785% | 4,063 |
| Net loans and leases to deposits | 77.4026% | 5,422 |
| Net loans and leases to core deposits | 125.9091% | 2,167 |
| Total domestic deposits to total assets | 90.1501% | 594 |
| Equity capital to assets | 9.5039% | 4,688 |
| Core capital (leverage) ratio | 7.1120% | 7,604 |
| Tier 1 risk-based capital ratio | 9.5447% | 7,257 |
| Total risk-based capital ratio | 10.8523% | 7,095 |
| Memoranda: | ||
| Average total assets | $178,771,800 | 3,423 |
| Average earning assets | $153,957,000 | 3,584 |
| Average equity | $19,008,200 | 3,393 |
| Average total loans | $139,767,400 | 3,103 |