Home > Napa Community Bank > Performance and Condition Ratios
Napa Community 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 | 5.6669% | 1,897 |
| Cost of funding earning assets | 0.9481% | 6,587 |
| Net interest margin | 4.7188% | 750 |
| Noninterest income to average assets | -0.1571% | 7,782 |
| Noninterest expense to average assets | 2.4816% | 5,798 |
| Loan and lease loss provision to assets | 2.4742% | 431 |
| Net operating income to assets | -0.5376% | 6,855 |
| Return on assets (ROA) | -0.5376% | 6,889 |
| Pretax return on assets | -0.8861% | 6,996 |
| Return on Equity (ROE) | -5.6342% | 6,914 |
| Retained earnings to average equity (ytd only) | -5.6342% | 6,630 |
| Net charge-offs to loans | 1.4800% | 1,168 |
| Credit loss provision to net charge-offs | 193.4741% | 1,913 |
| Earnings coverage of net charge-offs (x) | 1.2418% | 4,015 |
| Efficiency ratio | 60.9771% | 6,008 |
| Assets per employee ($millions) | 7.2280% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1245% | 1,901 |
| Loan loss allowance to noncurrent loans | 48.9970% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 4.1373% | 1,652 |
| Noncurrent loans to loans | 4.3359% | 1,747 |
| Net loans and leases to total assets | 86.3384% | 197 |
| Net loans and leases to deposits | 96.5451% | 1,039 |
| Net loans and leases to core deposits | 124.8713% | 620 |
| Total domestic deposits to total assets | 89.4280% | 1,282 |
| Equity capital to assets | 9.7085% | 4,217 |
| Core capital (leverage) ratio | 9.1578% | 4,286 |
| Tier 1 risk-based capital ratio | 10.1662% | 6,914 |
| Total risk-based capital ratio | 11.4262% | 6,890 |
| Memoranda: | ||
| Average total assets | $162,960,000 | 3,782 |
| Average earning assets | $145,970,000 | 3,836 |
| Average equity | $15,548,000 | 3,909 |
| Average total loans | $140,814,000 | 3,061 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9356% | 2,102 |
| Cost of funding earning assets | 0.8470% | 7,490 |
| Net interest margin | 5.0887% | 373 |
| Noninterest income to average assets | 0.2301% | 6,465 |
| Noninterest expense to average assets | 2.3504% | 6,604 |
| Loan and lease loss provision to assets | 2.0283% | 1,056 |
| Net operating income to assets | 0.3099% | 4,496 |
| Return on assets (ROA) | 0.3099% | 4,583 |
| Pretax return on assets | 0.5509% | 4,047 |
| Return on Equity (ROE) | 3.0718% | 4,467 |
| Retained earnings to average equity (ytd only) | 3.0718% | 3,008 |
| Net charge-offs to loans | 1.8716% | 1,332 |
| Credit loss provision to net charge-offs | 123.4539% | 4,274 |
| Earnings coverage of net charge-offs (x) | 1.5698% | 4,566 |
| Efficiency ratio | 47.6795% | 7,644 |
| Assets per employee ($millions) | 7.2567% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7636% | 2,662 |
| Loan loss allowance to noncurrent loans | 75.8442% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 2.3996% | 2,899 |
| Noncurrent loans to loans | 2.3253% | 3,264 |
| Net loans and leases to total assets | 83.1994% | 522 |
| Net loans and leases to deposits | 97.5401% | 1,155 |
| Net loans and leases to core deposits | 135.5366% | 974 |
| Total domestic deposits to total assets | 85.2976% | 3,411 |
| Equity capital to assets | 9.3814% | 4,586 |
| Core capital (leverage) ratio | 9.8186% | 3,304 |
| Tier 1 risk-based capital ratio | 10.4835% | 6,409 |
| Total risk-based capital ratio | 11.7384% | 6,380 |
| Memoranda: | ||
| Average total assets | $156,483,600 | 3,845 |
| Average earning assets | $144,517,600 | 3,805 |
| Average equity | $15,789,000 | 3,902 |
| Average total loans | $137,366,600 | 3,130 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9564% | 2,211 |
| Cost of funding earning assets | 0.8361% | 7,644 |
| Net interest margin | 5.1203% | 349 |
| Noninterest income to average assets | 0.2435% | 6,492 |
| Noninterest expense to average assets | 2.4729% | 6,164 |
| Loan and lease loss provision to assets | 0.7209% | 2,574 |
| Net operating income to assets | 1.0606% | 1,863 |
| Return on assets (ROA) | 1.0606% | 1,923 |
| Pretax return on assets | 1.8040% | 796 |
| Return on Equity (ROE) | 10.3147% | 1,814 |
| Retained earnings to average equity (ytd only) | 10.3147% | 578 |
| Net charge-offs to loans | 0.1682% | 5,044 |
| Credit loss provision to net charge-offs | 483.7209% | 817 |
| Earnings coverage of net charge-offs (x) | 16.9417% | 1,434 |
| Efficiency ratio | 49.4799% | 7,587 |
| Assets per employee ($millions) | 7.0875% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7960% | 2,288 |
| Loan loss allowance to noncurrent loans | 89.5051% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 2.2323% | 3,054 |
| Noncurrent loans to loans | 2.0066% | 3,633 |
| Net loans and leases to total assets | 85.5355% | 387 |
| Net loans and leases to deposits | 108.7781% | 509 |
| Net loans and leases to core deposits | 144.3954% | 750 |
| Total domestic deposits to total assets | 78.6330% | 5,919 |
| Equity capital to assets | 10.0532% | 4,021 |
| Core capital (leverage) ratio | 10.7672% | 2,587 |
| Tier 1 risk-based capital ratio | 11.0268% | 5,926 |
| Total risk-based capital ratio | 12.2826% | 5,884 |
| Memoranda: | ||
| Average total assets | $153,878,250 | 3,915 |
| Average earning assets | $142,880,000 | 3,869 |
| Average equity | $15,821,750 | 3,952 |
| Average total loans | $136,369,000 | 3,186 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0026% | 2,173 |
| Cost of funding earning assets | 0.8399% | 7,770 |
| Net interest margin | 5.1628% | 316 |
| Noninterest income to average assets | 0.1803% | 7,007 |
| Noninterest expense to average assets | 2.6161% | 5,678 |
| Loan and lease loss provision to assets | 0.2665% | 4,452 |
| Net operating income to assets | 1.2278% | 1,409 |
| Return on assets (ROA) | 1.2278% | 1,485 |
| Pretax return on assets | 2.1149% | 416 |
| Return on Equity (ROE) | 11.8467% | 1,466 |
| Retained earnings to average equity (ytd only) | 11.8467% | 468 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3481% | 7,484 |
| Assets per employee ($millions) | 6.8797% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 3,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 6,189 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 85.4821% | 438 |
| Net loans and leases to deposits | 115.9617% | 332 |
| Net loans and leases to core deposits | 152.0954% | 598 |
| Total domestic deposits to total assets | 73.7158% | 6,995 |
| Equity capital to assets | 10.1673% | 3,753 |
| Core capital (leverage) ratio | 10.9314% | 2,455 |
| Tier 1 risk-based capital ratio | 11.1844% | 5,688 |
| Total risk-based capital ratio | 12.4372% | 5,610 |
| Memoranda: | ||
| Average total assets | $150,833,330 | 3,980 |
| Average earning assets | $140,738,670 | 3,930 |
| Average equity | $15,633,000 | 3,994 |
| Average total loans | $134,497,330 | 3,257 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9561% | 2,540 |
| Cost of funding earning assets | 0.8372% | 7,876 |
| Net interest margin | 5.1189% | 322 |
| Noninterest income to average assets | 0.0082% | 8,023 |
| Noninterest expense to average assets | 2.5990% | 5,451 |
| Loan and lease loss provision to assets | -0.0652% | 8,196 |
| Net operating income to assets | 1.3240% | 1,329 |
| Return on assets (ROA) | 1.3240% | 1,433 |
| Pretax return on assets | 2.2782% | 383 |
| Return on Equity (ROE) | 12.6448% | 1,475 |
| Retained earnings to average equity (ytd only) | 12.6448% | 693 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0113% | 7,222 |
| Assets per employee ($millions) | 5.5837% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 3,659 |
| Loan loss allowance to noncurrent loans | 102.0788% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.8033% | 3,210 |
| Noncurrent loans to loans | 1.3442% | 4,301 |
| Net loans and leases to total assets | 92.3885% | 58 |
| Net loans and leases to deposits | 122.7296% | 240 |
| Net loans and leases to core deposits | 150.8124% | 679 |
| Total domestic deposits to total assets | 75.2781% | 6,652 |
| Equity capital to assets | 10.7794% | 3,205 |
| Core capital (leverage) ratio | 10.9661% | 2,527 |
| Tier 1 risk-based capital ratio | 11.2058% | 5,697 |
| Total risk-based capital ratio | 12.4568% | 5,608 |
| Memoranda: | ||
| Average total assets | $147,134,000 | 4,055 |
| Average earning assets | $138,076,500 | 3,997 |
| Average equity | $15,405,500 | 4,058 |
| Average total loans | $133,070,500 | 3,302 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3101% | 3,907 |
| Cost of funding earning assets | 1.3981% | 7,738 |
| Net interest margin | 4.9120% | 622 |
| Noninterest income to average assets | 0.3074% | 6,250 |
| Noninterest expense to average assets | 2.4704% | 6,133 |
| Loan and lease loss provision to assets | 0.9453% | 1,565 |
| Net operating income to assets | 0.8865% | 3,055 |
| Return on assets (ROA) | 0.8865% | 2,897 |
| Pretax return on assets | 1.5165% | 1,634 |
| Return on Equity (ROE) | 8.4409% | 2,871 |
| Retained earnings to average equity (ytd only) | 8.4409% | 722 |
| Net charge-offs to loans | 0.4115% | 2,759 |
| Credit loss provision to net charge-offs | 269.9793% | 1,708 |
| Earnings coverage of net charge-offs (x) | 7.0311% | 3,206 |
| Efficiency ratio | 50.0882% | 7,657 |
| Assets per employee ($millions) | 6.4823% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 2,909 |
| Loan loss allowance to noncurrent loans | 102.2727% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.8613% | 2,651 |
| Noncurrent loans to loans | 1.4199% | 3,678 |
| Net loans and leases to total assets | 86.0268% | 600 |
| Net loans and leases to deposits | 115.6173% | 540 |
| Net loans and leases to core deposits | 137.5723% | 1,406 |
| Total domestic deposits to total assets | 74.4066% | 6,580 |
| Equity capital to assets | 10.1695% | 3,843 |
| Core capital (leverage) ratio | 11.0632% | 2,541 |
| Tier 1 risk-based capital ratio | 10.7896% | 5,927 |
| Total risk-based capital ratio | 12.0406% | 5,827 |
| Memoranda: | ||
| Average total assets | $137,951,600 | 4,119 |
| Average earning assets | $129,886,400 | 4,041 |
| Average equity | $14,489,000 | 4,242 |
| Average total loans | $117,368,600 | 3,518 |