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MetroPacific Bank, Performance and Condition Ratios
| 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 | 4.5519% | 7,667 |
| Cost of funding earning assets | 3.3043% | 268 |
| Net interest margin | 1.2476% | 8,119 |
| Noninterest income to average assets | 0.1414% | 7,289 |
| Noninterest expense to average assets | 5.5635% | 353 |
| Loan and lease loss provision to assets | 8.7015% | 59 |
| Net operating income to assets | -12.9606% | 8,193 |
| Return on assets (ROA) | -12.9606% | 8,185 |
| Pretax return on assets | -12.9606% | 8,183 |
| Return on Equity (ROE) | -250.9446% | 8,209 |
| Retained earnings to average equity (ytd only) | -250.9446% | 8,208 |
| Net charge-offs to loans | 25.2511% | 8 |
| Credit loss provision to net charge-offs | 41.9550% | 4,796 |
| Earnings coverage of net charge-offs (x) | -0.2054% | 5,136 |
| Efficiency ratio | 426.5060% | 50 |
| Assets per employee ($millions) | 3.7658% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2116% | 183 |
| Loan loss allowance to noncurrent loans | 20.1550% | 7,162 |
| Noncurrent assets plus other real estate owned to assets | 20.3835% | 32 |
| Noncurrent loans to loans | 20.8961% | 40 |
| Net loans and leases to total assets | 76.1897% | 2,230 |
| Net loans and leases to deposits | 81.8845% | 4,311 |
| Net loans and leases to core deposits | 157.7713% | 530 |
| Total domestic deposits to total assets | 93.0453% | 80 |
| Equity capital to assets | 3.6088% | 8,182 |
| Core capital (leverage) ratio | 3.5100% | 8,185 |
| Tier 1 risk-based capital ratio | 4.0776% | 8,202 |
| Total risk-based capital ratio | 5.3599% | 8,201 |
| Memoranda: | ||
| Average total assets | $76,354,500 | 5,935 |
| Average earning assets | $71,179,000 | 5,873 |
| Average equity | $3,943,500 | 7,480 |
| Average total loans | $62,714,000 | 5,253 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4738% | 3,094 |
| Cost of funding earning assets | 3.5030% | 514 |
| Net interest margin | 2.9708% | 6,983 |
| Noninterest income to average assets | 0.6783% | 3,264 |
| Noninterest expense to average assets | 5.3468% | 541 |
| Loan and lease loss provision to assets | 6.3323% | 52 |
| Net operating income to assets | -8.1681% | 8,226 |
| Return on assets (ROA) | -8.1681% | 8,223 |
| Pretax return on assets | -8.1667% | 8,207 |
| Return on Equity (ROE) | -61.9299% | 8,209 |
| Retained earnings to average equity (ytd only) | -61.9299% | 8,200 |
| Net charge-offs to loans | 1.4679% | 790 |
| Credit loss provision to net charge-offs | 504.8753% | 860 |
| Earnings coverage of net charge-offs (x) | -1.4626% | 6,656 |
| Efficiency ratio | 152.2267% | 340 |
| Assets per employee ($millions) | 3.2247% | 5,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3578% | 28 |
| Loan loss allowance to noncurrent loans | 41.9765% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 18.5882% | 37 |
| Noncurrent loans to loans | 17.5285% | 54 |
| Net loans and leases to total assets | 78.4322% | 2,015 |
| Net loans and leases to deposits | 87.1014% | 3,927 |
| Net loans and leases to core deposits | 152.1138% | 778 |
| Total domestic deposits to total assets | 90.0469% | 633 |
| Equity capital to assets | 6.6789% | 7,878 |
| Core capital (leverage) ratio | 6.2788% | 7,998 |
| Tier 1 risk-based capital ratio | 8.3041% | 8,035 |
| Total risk-based capital ratio | 9.6355% | 8,062 |
| Memoranda: | ||
| Average total assets | $70,322,200 | 6,032 |
| Average earning assets | $67,085,600 | 5,928 |
| Average equity | $9,275,000 | 5,644 |
| Average total loans | $60,087,800 | 5,261 |