Home > Los Padres Bank > Performance and Condition Ratios
Los Padres 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 | 4.6194% | 6,403 |
| Cost of funding earning assets | 1.7829% | 1,709 |
| Net interest margin | 2.8366% | 7,094 |
| Noninterest income to average assets | -0.2072% | 7,681 |
| Noninterest expense to average assets | 2.5565% | 5,499 |
| Loan and lease loss provision to assets | 0.5171% | 2,728 |
| Net operating income to assets | -0.8200% | 6,870 |
| Return on assets (ROA) | -0.9750% | 6,955 |
| Pretax return on assets | -0.9750% | 6,877 |
| Return on Equity (ROE) | -31.0431% | 7,445 |
| Retained earnings to average equity (ytd only) | -31.0431% | 7,433 |
| Net charge-offs to loans | 0.4387% | 3,229 |
| Credit loss provision to net charge-offs | 191.3722% | 2,062 |
| Earnings coverage of net charge-offs (x) | -1.1208% | 6,140 |
| Efficiency ratio | 113.2020% | 503 |
| Assets per employee ($millions) | 5.5542% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2113% | 1,731 |
| Loan loss allowance to noncurrent loans | 12.0323% | 7,219 |
| Noncurrent assets plus other real estate owned to assets | 15.5915% | 124 |
| Noncurrent loans to loans | 18.3777% | 105 |
| Net loans and leases to total assets | 60.1189% | 5,035 |
| Net loans and leases to deposits | 67.5712% | 5,607 |
| Net loans and leases to core deposits | 79.4461% | 4,747 |
| Total domestic deposits to total assets | 88.9712% | 1,460 |
| Equity capital to assets | 3.0810% | 7,752 |
| Core capital (leverage) ratio | 5.0558% | 7,599 |
| Tier 1 risk-based capital ratio | 5.3871% | 7,680 |
| Total risk-based capital ratio | 6.6403% | 7,680 |
| Memoranda: | ||
| Average total assets | $900,755,330 | 743 |
| Average earning assets | $781,441,670 | 785 |
| Average equity | $28,289,670 | 2,321 |
| Average total loans | $554,777,000 | 827 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1849% | 4,106 |
| Cost of funding earning assets | 1.8652% | 1,586 |
| Net interest margin | 3.3197% | 5,899 |
| Noninterest income to average assets | -0.0763% | 7,740 |
| Noninterest expense to average assets | 2.4055% | 6,061 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4066% | 4,808 |
| Return on assets (ROA) | 0.1743% | 5,900 |
| Pretax return on assets | 0.1743% | 5,958 |
| Return on Equity (ROE) | 5.5008% | 4,101 |
| Retained earnings to average equity (ytd only) | 5.5008% | 2,864 |
| Net charge-offs to loans | 0.8101% | 1,915 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.8141% | 4,316 |
| Efficiency ratio | 85.3556% | 1,867 |
| Assets per employee ($millions) | 5.7421% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8988% | 2,449 |
| Loan loss allowance to noncurrent loans | 88.6856% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 4.8351% | 1,353 |
| Noncurrent loans to loans | 2.1411% | 3,599 |
| Net loans and leases to total assets | 60.5510% | 5,032 |
| Net loans and leases to deposits | 69.8169% | 5,366 |
| Net loans and leases to core deposits | 81.4462% | 4,564 |
| Total domestic deposits to total assets | 86.7282% | 2,778 |
| Equity capital to assets | 3.2713% | 7,836 |
| Core capital (leverage) ratio | 5.3656% | 7,669 |
| Tier 1 risk-based capital ratio | 6.1027% | 7,745 |
| Total risk-based capital ratio | 7.3540% | 7,747 |
| Memoranda: | ||
| Average total assets | $917,903,500 | 744 |
| Average earning assets | $798,630,500 | 775 |
| Average equity | $29,086,500 | 2,285 |
| Average total loans | $565,823,000 | 828 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4808% | 4,249 |
| Cost of funding earning assets | 2.2121% | 1,978 |
| Net interest margin | 3.2687% | 5,862 |
| Noninterest income to average assets | -0.2285% | 7,870 |
| Noninterest expense to average assets | 2.3322% | 6,653 |
| Loan and lease loss provision to assets | 2.5365% | 780 |
| Net operating income to assets | -1.9456% | 7,068 |
| Return on assets (ROA) | -4.0518% | 7,610 |
| Pretax return on assets | -4.5253% | 7,647 |
| Return on Equity (ROE) | -82.1285% | 7,875 |
| Retained earnings to average equity (ytd only) | -82.1285% | 7,871 |
| Net charge-offs to loans | 2.9079% | 740 |
| Credit loss provision to net charge-offs | 131.2756% | 3,861 |
| Earnings coverage of net charge-offs (x) | 0.1819% | 5,971 |
| Efficiency ratio | 86.4531% | 2,064 |
| Assets per employee ($millions) | 5.8760% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0363% | 1,945 |
| Loan loss allowance to noncurrent loans | 63.8241% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 5.0490% | 1,211 |
| Noncurrent loans to loans | 3.1905% | 2,395 |
| Net loans and leases to total assets | 60.3120% | 5,289 |
| Net loans and leases to deposits | 69.9189% | 5,615 |
| Net loans and leases to core deposits | 141.6477% | 748 |
| Total domestic deposits to total assets | 86.2600% | 2,884 |
| Equity capital to assets | 3.0699% | 7,914 |
| Core capital (leverage) ratio | 5.1301% | 7,752 |
| Tier 1 risk-based capital ratio | 5.9383% | 7,816 |
| Total risk-based capital ratio | 7.1912% | 7,820 |
| Memoranda: | ||
| Average total assets | $1,087,348,400 | 618 |
| Average earning assets | $968,727,400 | 620 |
| Average equity | $53,644,000 | 1,231 |
| Average total loans | $722,508,400 | 639 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4195% | 4,850 |
| Cost of funding earning assets | 2.2542% | 2,173 |
| Net interest margin | 3.1653% | 6,129 |
| Noninterest income to average assets | -0.1931% | 7,974 |
| Noninterest expense to average assets | 2.2339% | 6,889 |
| Loan and lease loss provision to assets | 1.8637% | 994 |
| Net operating income to assets | -1.4747% | 7,093 |
| Return on assets (ROA) | -2.4646% | 7,457 |
| Pretax return on assets | -2.4516% | 7,330 |
| Return on Equity (ROE) | -46.3258% | 7,804 |
| Retained earnings to average equity (ytd only) | -46.3258% | 7,798 |
| Net charge-offs to loans | 2.5427% | 720 |
| Credit loss provision to net charge-offs | 108.6527% | 4,678 |
| Earnings coverage of net charge-offs (x) | 0.2344% | 5,782 |
| Efficiency ratio | 84.2493% | 2,271 |
| Assets per employee ($millions) | 5.7694% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 6,670 |
| Loan loss allowance to noncurrent loans | 16.3651% | 7,268 |
| Noncurrent assets plus other real estate owned to assets | 5.5563% | 1,022 |
| Noncurrent loans to loans | 5.6243% | 1,105 |
| Net loans and leases to total assets | 65.2010% | 4,600 |
| Net loans and leases to deposits | 76.3553% | 4,978 |
| Net loans and leases to core deposits | 132.8990% | 1,276 |
| Total domestic deposits to total assets | 85.3916% | 3,031 |
| Equity capital to assets | 4.7693% | 7,966 |
| Core capital (leverage) ratio | 6.3401% | 7,724 |
| Tier 1 risk-based capital ratio | 6.0915% | 7,951 |
| Total risk-based capital ratio | 6.7347% | 7,983 |
| Memoranda: | ||
| Average total assets | $1,125,612,750 | 599 |
| Average earning assets | $1,005,994,500 | 611 |
| Average equity | $59,884,500 | 1,125 |
| Average total loans | $759,334,750 | 617 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4991% | 4,642 |
| Cost of funding earning assets | 2.3732% | 2,067 |
| Net interest margin | 3.1260% | 6,165 |
| Noninterest income to average assets | -0.1690% | 8,057 |
| Noninterest expense to average assets | 2.1957% | 7,064 |
| Loan and lease loss provision to assets | 2.3212% | 688 |
| Net operating income to assets | -1.8938% | 7,399 |
| Return on assets (ROA) | -2.9859% | 7,665 |
| Pretax return on assets | -2.9667% | 7,565 |
| Return on Equity (ROE) | -54.3978% | 7,947 |
| Retained earnings to average equity (ytd only) | -54.3978% | 7,943 |
| Net charge-offs to loans | 2.4363% | 722 |
| Credit loss provision to net charge-offs | 140.1808% | 3,331 |
| Earnings coverage of net charge-offs (x) | 0.2697% | 5,403 |
| Efficiency ratio | 82.6130% | 2,652 |
| Assets per employee ($millions) | 5.9574% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 4,866 |
| Loan loss allowance to noncurrent loans | 36.6397% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 3.5213% | 1,763 |
| Noncurrent loans to loans | 3.3020% | 2,138 |
| Net loans and leases to total assets | 67.1472% | 4,330 |
| Net loans and leases to deposits | 82.7350% | 4,095 |
| Net loans and leases to core deposits | 133.6622% | 1,333 |
| Total domestic deposits to total assets | 81.1594% | 5,015 |
| Equity capital to assets | 4.8424% | 8,047 |
| Core capital (leverage) ratio | 6.4559% | 7,819 |
| Tier 1 risk-based capital ratio | 6.7223% | 8,026 |
| Total risk-based capital ratio | 7.6681% | 8,044 |
| Memoranda: | ||
| Average total assets | $1,148,882,670 | 603 |
| Average earning assets | $1,033,219,330 | 603 |
| Average equity | $63,061,330 | 1,079 |
| Average total loans | $780,850,000 | 624 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4706% | 5,063 |
| Cost of funding earning assets | 2.6290% | 1,485 |
| Net interest margin | 2.8416% | 6,896 |
| Noninterest income to average assets | -0.1983% | 8,163 |
| Noninterest expense to average assets | 2.0312% | 7,278 |
| Loan and lease loss provision to assets | 0.5941% | 2,116 |
| Net operating income to assets | -0.1546% | 6,486 |
| Return on assets (ROA) | -0.6179% | 7,025 |
| Pretax return on assets | -0.9886% | 7,153 |
| Return on Equity (ROE) | -10.6751% | 7,408 |
| Retained earnings to average equity (ytd only) | -10.6751% | 7,172 |
| Net charge-offs to loans | 0.7098% | 1,767 |
| Credit loss provision to net charge-offs | 123.1527% | 3,216 |
| Earnings coverage of net charge-offs (x) | 0.6826% | 4,462 |
| Efficiency ratio | 85.5170% | 2,129 |
| Assets per employee ($millions) | 6.3952% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 6,710 |
| Loan loss allowance to noncurrent loans | 41.1473% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 2.6156% | 2,191 |
| Noncurrent loans to loans | 2.2078% | 2,964 |
| Net loans and leases to total assets | 67.7576% | 4,195 |
| Net loans and leases to deposits | 85.6762% | 3,688 |
| Net loans and leases to core deposits | 128.4016% | 1,753 |
| Total domestic deposits to total assets | 79.0857% | 5,690 |
| Equity capital to assets | 5.6675% | 8,044 |
| Core capital (leverage) ratio | 7.3269% | 7,349 |
| Tier 1 risk-based capital ratio | 8.6877% | 7,909 |
| Total risk-based capital ratio | 9.4113% | 8,026 |
| Memoranda: | ||
| Average total assets | $1,178,220,000 | 594 |
| Average earning assets | $1,060,945,000 | 596 |
| Average equity | $68,196,000 | 984 |
| Average total loans | $800,770,500 | 616 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5042% | 2,940 |
| Cost of funding earning assets | 3.3082% | 900 |
| Net interest margin | 3.1960% | 6,380 |
| Noninterest income to average assets | -0.5268% | 8,274 |
| Noninterest expense to average assets | 1.9382% | 7,555 |
| Loan and lease loss provision to assets | 1.9155% | 651 |
| Net operating income to assets | -0.8705% | 7,171 |
| Return on assets (ROA) | -0.8121% | 7,050 |
| Pretax return on assets | -1.3746% | 7,197 |
| Return on Equity (ROE) | -14.0256% | 7,542 |
| Retained earnings to average equity (ytd only) | -15.8046% | 7,507 |
| Net charge-offs to loans | 1.3430% | 875 |
| Credit loss provision to net charge-offs | 214.8549% | 2,248 |
| Earnings coverage of net charge-offs (x) | 0.5043% | 5,933 |
| Efficiency ratio | 80.6592% | 2,507 |
| Assets per employee ($millions) | 6.1155% | 1,075 |
| Cash dividends to net income (ytd only)* | -12.6839% | 7,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 6,867 |
| Loan loss allowance to noncurrent loans | 56.9249% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 1.6412% | 2,965 |
| Noncurrent loans to loans | 1.5047% | 3,535 |
| Net loans and leases to total assets | 66.9813% | 4,642 |
| Net loans and leases to deposits | 88.7933% | 3,666 |
| Net loans and leases to core deposits | 133.6431% | 1,616 |
| Total domestic deposits to total assets | 75.4351% | 6,356 |
| Equity capital to assets | 5.9057% | 8,077 |
| Core capital (leverage) ratio | 7.2403% | 7,484 |
| Tier 1 risk-based capital ratio | 9.4601% | 7,356 |
| Total risk-based capital ratio | 10.2054% | 7,822 |
| Memoranda: | ||
| Average total assets | $1,213,448,000 | 551 |
| Average earning assets | $1,106,643,400 | 557 |
| Average equity | $70,264,200 | 948 |
| Average total loans | $805,535,200 | 587 |