Home > High Desert State Bank > Performance and Condition Ratios
High Desert State Bank, Performance and Condition Ratios
| 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 | 4.1124% | 7,368 |
| Cost of funding earning assets | 1.9084% | 1,416 |
| Net interest margin | 2.2039% | 7,645 |
| Noninterest income to average assets | -6.5701% | 7,932 |
| Noninterest expense to average assets | 4.2654% | 749 |
| Loan and lease loss provision to assets | 8.8453% | 44 |
| Net operating income to assets | -17.9216% | 7,928 |
| Return on assets (ROA) | -17.9216% | 7,928 |
| Pretax return on assets | -17.9216% | 7,927 |
| Return on Equity (ROE) | -1,340.8088% | 7,929 |
| Retained earnings to average equity (ytd only) | -1,340.8088% | 7,929 |
| Net charge-offs to loans | 6.9122% | 143 |
| Credit loss provision to net charge-offs | 173.4104% | 2,092 |
| Earnings coverage of net charge-offs (x) | -1.7794% | 5,453 |
| Efficiency ratio | -88.6619% | 7,924 |
| Assets per employee ($millions) | 5.3562% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3981% | 49 |
| Loan loss allowance to noncurrent loans | 25.1820% | 6,724 |
| Noncurrent assets plus other real estate owned to assets | 31.6991% | 7 |
| Noncurrent loans to loans | 29.3784% | 24 |
| Net loans and leases to total assets | 65.7456% | 3,921 |
| Net loans and leases to deposits | 65.2244% | 5,910 |
| Net loans and leases to core deposits | 66.1830% | 6,270 |
| Total domestic deposits to total assets | 100.7991% | 6 |
| Equity capital to assets | -0.9148% | 7,926 |
| Core capital (leverage) ratio | -0.8854% | 7,926 |
| Tier 1 risk-based capital ratio | -1.1542% | 7,925 |
| Total risk-based capital ratio | -1.1542% | 7,925 |
| Memoranda: | ||
| Average total assets | $81,399,000 | 5,728 |
| Average earning assets | $64,974,500 | 5,998 |
| Average equity | $1,088,000 | 7,879 |
| Average total loans | $60,068,000 | 5,243 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 6,964 |
| Cost of funding earning assets | 3.4510% | 54 |
| Net interest margin | 1.3415% | 7,891 |
| Noninterest income to average assets | -1.0128% | 7,990 |
| Noninterest expense to average assets | 4.8145% | 600 |
| Loan and lease loss provision to assets | 3.4792% | 449 |
| Net operating income to assets | -8.2109% | 7,938 |
| Return on assets (ROA) | -8.2109% | 7,934 |
| Pretax return on assets | -8.2109% | 7,925 |
| Return on Equity (ROE) | -108.8848% | 7,952 |
| Retained earnings to average equity (ytd only) | -108.8848% | 7,951 |
| Net charge-offs to loans | 1.1851% | 2,071 |
| Credit loss provision to net charge-offs | 397.7273% | 800 |
| Earnings coverage of net charge-offs (x) | -5.4091% | 7,116 |
| Efficiency ratio | 5,812.0000% | 2 |
| Assets per employee ($millions) | 4.8503% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4807% | 129 |
| Loan loss allowance to noncurrent loans | 18.6818% | 7,118 |
| Noncurrent assets plus other real estate owned to assets | 33.8657% | 6 |
| Noncurrent loans to loans | 29.3372% | 20 |
| Net loans and leases to total assets | 72.3255% | 2,675 |
| Net loans and leases to deposits | 75.0658% | 4,864 |
| Net loans and leases to core deposits | 127.4382% | 1,417 |
| Total domestic deposits to total assets | 96.3495% | 32 |
| Equity capital to assets | 3.5304% | 7,887 |
| Core capital (leverage) ratio | 3.4662% | 7,878 |
| Tier 1 risk-based capital ratio | 4.2225% | 7,901 |
| Total risk-based capital ratio | 5.5192% | 7,904 |
| Memoranda: | ||
| Average total assets | $90,538,400 | 5,374 |
| Average earning assets | $73,949,200 | 5,682 |
| Average equity | $6,827,400 | 6,325 |
| Average total loans | $66,829,000 | 4,987 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0256% | 6,532 |
| Cost of funding earning assets | 3.5789% | 50 |
| Net interest margin | 1.4467% | 7,958 |
| Noninterest income to average assets | -0.6396% | 8,057 |
| Noninterest expense to average assets | 4.4295% | 804 |
| Loan and lease loss provision to assets | 4.5375% | 214 |
| Net operating income to assets | -8.4211% | 8,018 |
| Return on assets (ROA) | -8.4211% | 8,018 |
| Pretax return on assets | -8.4211% | 8,007 |
| Return on Equity (ROE) | -99.8459% | 8,012 |
| Retained earnings to average equity (ytd only) | -99.8459% | 8,008 |
| Net charge-offs to loans | 0.8638% | 2,238 |
| Credit loss provision to net charge-offs | 717.5399% | 522 |
| Earnings coverage of net charge-offs (x) | -6.1412% | 6,872 |
| Efficiency ratio | 811.3456% | 14 |
| Assets per employee ($millions) | 4.8183% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7704% | 90 |
| Loan loss allowance to noncurrent loans | 24.8938% | 6,788 |
| Noncurrent assets plus other real estate owned to assets | 28.2927% | 10 |
| Noncurrent loans to loans | 23.1799% | 39 |
| Net loans and leases to total assets | 71.7373% | 3,095 |
| Net loans and leases to deposits | 75.8476% | 5,076 |
| Net loans and leases to core deposits | 114.6899% | 2,760 |
| Total domestic deposits to total assets | 94.5808% | 40 |
| Equity capital to assets | 5.1886% | 7,937 |
| Core capital (leverage) ratio | 4.8230% | 7,934 |
| Tier 1 risk-based capital ratio | 6.2335% | 7,943 |
| Total risk-based capital ratio | 7.5328% | 7,945 |
| Memoranda: | ||
| Average total assets | $92,559,250 | 5,350 |
| Average earning assets | $75,850,000 | 5,635 |
| Average equity | $7,806,500 | 6,049 |
| Average total loans | $67,762,750 | 4,992 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0227% | 6,696 |
| Cost of funding earning assets | 3.5409% | 97 |
| Net interest margin | 1.4818% | 8,020 |
| Noninterest income to average assets | -0.0423% | 8,003 |
| Noninterest expense to average assets | 3.6274% | 2,005 |
| Loan and lease loss provision to assets | 2.6454% | 581 |
| Net operating income to assets | -5.0983% | 7,944 |
| Return on assets (ROA) | -5.0983% | 7,939 |
| Pretax return on assets | -5.0983% | 7,873 |
| Return on Equity (ROE) | -54.0821% | 7,944 |
| Retained earnings to average equity (ytd only) | -54.0821% | 7,940 |
| Net charge-offs to loans | 0.3951% | 3,226 |
| Credit loss provision to net charge-offs | 925.9259% | 522 |
| Earnings coverage of net charge-offs (x) | -8.5852% | 6,511 |
| Efficiency ratio | 308.8288% | 79 |
| Assets per employee ($millions) | 5.2192% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2519% | 466 |
| Loan loss allowance to noncurrent loans | 16.1467% | 7,326 |
| Noncurrent assets plus other real estate owned to assets | 25.3880% | 21 |
| Noncurrent loans to loans | 20.1395% | 53 |
| Net loans and leases to total assets | 70.1467% | 3,668 |
| Net loans and leases to deposits | 76.8083% | 5,056 |
| Net loans and leases to core deposits | 113.4525% | 2,976 |
| Total domestic deposits to total assets | 91.3269% | 361 |
| Equity capital to assets | 8.4495% | 6,121 |
| Core capital (leverage) ratio | 8.7625% | 4,989 |
| Tier 1 risk-based capital ratio | 10.1639% | 6,758 |
| Total risk-based capital ratio | 11.4341% | 6,661 |
| Memoranda: | ||
| Average total assets | $94,502,670 | 5,326 |
| Average earning assets | $77,608,330 | 5,609 |
| Average equity | $8,908,670 | 5,714 |
| Average total loans | $68,341,330 | 5,023 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8858% | 7,202 |
| Cost of funding earning assets | 3.6413% | 101 |
| Net interest margin | 1.2445% | 8,122 |
| Noninterest income to average assets | -0.1646% | 8,153 |
| Noninterest expense to average assets | 3.6168% | 1,834 |
| Loan and lease loss provision to assets | 5.2753% | 150 |
| Net operating income to assets | -8.0311% | 8,147 |
| Return on assets (ROA) | -8.0311% | 8,137 |
| Pretax return on assets | -8.0311% | 8,114 |
| Return on Equity (ROE) | -81.0304% | 8,126 |
| Retained earnings to average equity (ytd only) | -81.0304% | 8,117 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 420.0980% | 53 |
| Assets per employee ($millions) | 5.0709% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3948% | 342 |
| Loan loss allowance to noncurrent loans | 19.2386% | 7,212 |
| Noncurrent assets plus other real estate owned to assets | 22.8592% | 26 |
| Noncurrent loans to loans | 17.6459% | 57 |
| Net loans and leases to total assets | 73.2646% | 2,948 |
| Net loans and leases to deposits | 80.9218% | 4,466 |
| Net loans and leases to core deposits | 118.2254% | 2,575 |
| Total domestic deposits to total assets | 90.5375% | 574 |
| Equity capital to assets | 9.2489% | 5,011 |
| Core capital (leverage) ratio | 8.7803% | 5,021 |
| Tier 1 risk-based capital ratio | 10.8568% | 6,033 |
| Total risk-based capital ratio | 12.1287% | 5,921 |
| Memoranda: | ||
| Average total assets | $94,781,000 | 5,340 |
| Average earning assets | $78,103,500 | 5,621 |
| Average equity | $9,394,000 | 5,569 |
| Average total loans | $68,454,500 | 5,035 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0228% | 1,075 |
| Cost of funding earning assets | 4.0418% | 88 |
| Net interest margin | 2.9809% | 6,967 |
| Noninterest income to average assets | 0.0842% | 7,720 |
| Noninterest expense to average assets | 3.0494% | 3,899 |
| Loan and lease loss provision to assets | 0.3262% | 3,773 |
| Net operating income to assets | -0.6629% | 7,046 |
| Return on assets (ROA) | -0.6629% | 6,939 |
| Pretax return on assets | -0.6629% | 6,781 |
| Return on Equity (ROE) | -6.2644% | 6,983 |
| Retained earnings to average equity (ytd only) | -6.2644% | 6,695 |
| Net charge-offs to loans | 0.1478% | 4,729 |
| Credit loss provision to net charge-offs | 279.2793% | 1,634 |
| Earnings coverage of net charge-offs (x) | -2.8829% | 6,759 |
| Efficiency ratio | 112.4127% | 666 |
| Assets per employee ($millions) | 5.7815% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6252% | 2,137 |
| Loan loss allowance to noncurrent loans | 12.2960% | 7,468 |
| Noncurrent assets plus other real estate owned to assets | 14.4090% | 69 |
| Noncurrent loans to loans | 13.2169% | 96 |
| Net loans and leases to total assets | 67.7472% | 4,502 |
| Net loans and leases to deposits | 75.8694% | 5,603 |
| Net loans and leases to core deposits | 109.0787% | 3,857 |
| Total domestic deposits to total assets | 89.2945% | 924 |
| Equity capital to assets | 10.5264% | 3,468 |
| Core capital (leverage) ratio | 11.7096% | 2,121 |
| Tier 1 risk-based capital ratio | 13.6693% | 3,714 |
| Total risk-based capital ratio | 14.9218% | 3,626 |
| Memoranda: | ||
| Average total assets | $95,034,800 | 5,198 |
| Average earning assets | $83,799,000 | 5,307 |
| Average equity | $10,056,800 | 5,393 |
| Average total loans | $75,112,000 | 4,686 |