Home > North County Bank > Performance and Condition Ratios
North County 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 | 4.5464% | 6,602 |
| Cost of funding earning assets | 2.3340% | 303 |
| Net interest margin | 2.2124% | 7,575 |
| Noninterest income to average assets | 0.4595% | 4,435 |
| Noninterest expense to average assets | 3.1702% | 3,018 |
| Loan and lease loss provision to assets | 2.0799% | 592 |
| Net operating income to assets | -1.8622% | 7,272 |
| Return on assets (ROA) | -1.8514% | 7,276 |
| Pretax return on assets | -2.8051% | 7,438 |
| Return on Equity (ROE) | -44.5662% | 7,570 |
| Retained earnings to average equity (ytd only) | -44.5662% | 7,562 |
| Net charge-offs to loans | 6.6747% | 101 |
| Credit loss provision to net charge-offs | 43.8895% | 5,543 |
| Earnings coverage of net charge-offs (x) | -0.1565% | 5,845 |
| Efficiency ratio | 130.5340% | 312 |
| Assets per employee ($millions) | 6.4172% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3124% | 294 |
| Loan loss allowance to noncurrent loans | 19.4085% | 6,973 |
| Noncurrent assets plus other real estate owned to assets | 22.0122% | 39 |
| Noncurrent loans to loans | 22.2192% | 52 |
| Net loans and leases to total assets | 67.5174% | 3,494 |
| Net loans and leases to deposits | 70.6220% | 5,192 |
| Net loans and leases to core deposits | 83.8573% | 4,152 |
| Total domestic deposits to total assets | 95.6039% | 33 |
| Equity capital to assets | 4.1842% | 7,681 |
| Core capital (leverage) ratio | 2.2408% | 7,767 |
| Tier 1 risk-based capital ratio | 2.9954% | 7,774 |
| Total risk-based capital ratio | 4.2774% | 7,775 |
| Memoranda: | ||
| Average total assets | $317,704,330 | 2,091 |
| Average earning assets | $282,775,670 | 2,138 |
| Average equity | $13,198,330 | 4,396 |
| Average total loans | $225,567,000 | 1,980 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3665% | 7,047 |
| Cost of funding earning assets | 2.4624% | 252 |
| Net interest margin | 1.9041% | 7,752 |
| Noninterest income to average assets | 0.7538% | 2,278 |
| Noninterest expense to average assets | 3.0984% | 3,268 |
| Loan and lease loss provision to assets | 3.2947% | 287 |
| Net operating income to assets | -2.5862% | 7,571 |
| Return on assets (ROA) | -2.5830% | 7,573 |
| Pretax return on assets | -3.9137% | 7,683 |
| Return on Equity (ROE) | -62.3728% | 7,749 |
| Retained earnings to average equity (ytd only) | -62.3728% | 7,741 |
| Net charge-offs to loans | 8.3495% | 85 |
| Credit loss provision to net charge-offs | 55.4295% | 4,395 |
| Earnings coverage of net charge-offs (x) | -0.1049% | 5,103 |
| Efficiency ratio | 125.2068% | 388 |
| Assets per employee ($millions) | 7.5900% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8314% | 197 |
| Loan loss allowance to noncurrent loans | 25.4430% | 6,705 |
| Noncurrent assets plus other real estate owned to assets | 17.9178% | 89 |
| Noncurrent loans to loans | 18.9891% | 95 |
| Net loans and leases to total assets | 65.2497% | 4,050 |
| Net loans and leases to deposits | 68.0127% | 5,588 |
| Net loans and leases to core deposits | 82.8753% | 4,366 |
| Total domestic deposits to total assets | 95.9374% | 30 |
| Equity capital to assets | 3.8898% | 7,803 |
| Core capital (leverage) ratio | 2.3462% | 7,871 |
| Tier 1 risk-based capital ratio | 3.1829% | 7,870 |
| Total risk-based capital ratio | 4.4720% | 7,870 |
| Memoranda: | ||
| Average total assets | $332,168,500 | 2,052 |
| Average earning assets | $300,196,500 | 2,075 |
| Average equity | $13,756,000 | 4,298 |
| Average total loans | $236,470,000 | 1,950 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2776% | 5,292 |
| Cost of funding earning assets | 3.1043% | 168 |
| Net interest margin | 2.1733% | 7,657 |
| Noninterest income to average assets | 0.1076% | 7,227 |
| Noninterest expense to average assets | 2.3964% | 6,479 |
| Loan and lease loss provision to assets | 4.7115% | 232 |
| Net operating income to assets | -3.2308% | 7,451 |
| Return on assets (ROA) | -3.2248% | 7,450 |
| Pretax return on assets | -4.9444% | 7,699 |
| Return on Equity (ROE) | -50.0210% | 7,683 |
| Retained earnings to average equity (ytd only) | -50.0210% | 7,674 |
| Net charge-offs to loans | 4.2508% | 358 |
| Credit loss provision to net charge-offs | 141.0532% | 3,442 |
| Earnings coverage of net charge-offs (x) | -0.0725% | 6,299 |
| Efficiency ratio | 111.2451% | 775 |
| Assets per employee ($millions) | 7.5104% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2216% | 153 |
| Loan loss allowance to noncurrent loans | 25.1990% | 6,784 |
| Noncurrent assets plus other real estate owned to assets | 17.2942% | 94 |
| Noncurrent loans to loans | 20.7216% | 65 |
| Net loans and leases to total assets | 69.8774% | 3,281 |
| Net loans and leases to deposits | 73.4972% | 5,120 |
| Net loans and leases to core deposits | 130.1315% | 1,279 |
| Total domestic deposits to total assets | 95.0750% | 49 |
| Equity capital to assets | 4.3841% | 7,827 |
| Core capital (leverage) ratio | 3.2145% | 7,897 |
| Tier 1 risk-based capital ratio | 4.2895% | 7,899 |
| Total risk-based capital ratio | 5.5864% | 7,901 |
| Memoranda: | ||
| Average total assets | $354,197,400 | 1,917 |
| Average earning assets | $333,540,400 | 1,863 |
| Average equity | $22,834,400 | 2,846 |
| Average total loans | $278,327,200 | 1,730 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5431% | 4,198 |
| Cost of funding earning assets | 3.2159% | 180 |
| Net interest margin | 2.3273% | 7,622 |
| Noninterest income to average assets | 0.0953% | 7,428 |
| Noninterest expense to average assets | 2.1891% | 7,008 |
| Loan and lease loss provision to assets | 2.2795% | 748 |
| Net operating income to assets | -1.4325% | 7,077 |
| Return on assets (ROA) | -1.4269% | 7,069 |
| Pretax return on assets | -2.1619% | 7,236 |
| Return on Equity (ROE) | -20.5802% | 7,393 |
| Retained earnings to average equity (ytd only) | -20.5802% | 7,359 |
| Net charge-offs to loans | 0.3823% | 3,735 |
| Credit loss provision to net charge-offs | 747.8632% | 510 |
| Earnings coverage of net charge-offs (x) | 0.3578% | 5,666 |
| Efficiency ratio | 95.2551% | 1,316 |
| Assets per employee ($millions) | 7.9821% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8860% | 148 |
| Loan loss allowance to noncurrent loans | 31.0711% | 6,376 |
| Noncurrent assets plus other real estate owned to assets | 12.8248% | 189 |
| Noncurrent loans to loans | 15.7253% | 130 |
| Net loans and leases to total assets | 72.9462% | 2,810 |
| Net loans and leases to deposits | 78.1677% | 4,719 |
| Net loans and leases to core deposits | 136.3773% | 1,080 |
| Total domestic deposits to total assets | 93.3201% | 71 |
| Equity capital to assets | 6.2387% | 7,816 |
| Core capital (leverage) ratio | 6.2373% | 7,752 |
| Tier 1 risk-based capital ratio | 8.1989% | 7,764 |
| Total risk-based capital ratio | 9.4943% | 7,780 |
| Memoranda: | ||
| Average total assets | $358,254,500 | 1,910 |
| Average earning assets | $339,102,500 | 1,856 |
| Average equity | $24,838,750 | 2,650 |
| Average total loans | $285,615,250 | 1,697 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8102% | 3,000 |
| Cost of funding earning assets | 3.3184% | 195 |
| Net interest margin | 2.4918% | 7,492 |
| Noninterest income to average assets | 0.0816% | 7,568 |
| Noninterest expense to average assets | 2.2339% | 6,964 |
| Loan and lease loss provision to assets | 0.5196% | 2,947 |
| Net operating income to assets | -0.2029% | 6,193 |
| Return on assets (ROA) | -0.1956% | 6,207 |
| Pretax return on assets | -0.2961% | 6,234 |
| Return on Equity (ROE) | -2.7292% | 6,332 |
| Retained earnings to average equity (ytd only) | -2.7292% | 5,919 |
| Net charge-offs to loans | 0.4872% | 2,877 |
| Credit loss provision to net charge-offs | 132.1023% | 3,536 |
| Earnings coverage of net charge-offs (x) | 0.5398% | 5,170 |
| Efficiency ratio | 91.3202% | 1,695 |
| Assets per employee ($millions) | 8.1622% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9709% | 581 |
| Loan loss allowance to noncurrent loans | 30.1136% | 6,466 |
| Noncurrent assets plus other real estate owned to assets | 8.7560% | 397 |
| Noncurrent loans to loans | 9.8656% | 360 |
| Net loans and leases to total assets | 76.2075% | 2,134 |
| Net loans and leases to deposits | 82.6578% | 4,112 |
| Net loans and leases to core deposits | 136.7547% | 1,174 |
| Total domestic deposits to total assets | 92.1963% | 184 |
| Equity capital to assets | 7.1975% | 7,485 |
| Core capital (leverage) ratio | 7.0329% | 7,511 |
| Tier 1 risk-based capital ratio | 9.1550% | 7,615 |
| Total risk-based capital ratio | 10.4263% | 7,610 |
| Memoranda: | ||
| Average total assets | $357,941,000 | 1,939 |
| Average earning assets | $339,677,670 | 1,866 |
| Average equity | $25,648,670 | 2,589 |
| Average total loans | $288,994,000 | 1,707 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9861% | 2,416 |
| Cost of funding earning assets | 3.3406% | 238 |
| Net interest margin | 2.6455% | 7,304 |
| Noninterest income to average assets | 0.1970% | 6,884 |
| Noninterest expense to average assets | 2.0652% | 7,202 |
| Loan and lease loss provision to assets | 0.2015% | 4,430 |
| Net operating income to assets | 0.3478% | 5,077 |
| Return on assets (ROA) | 0.3504% | 5,250 |
| Pretax return on assets | 0.4556% | 5,226 |
| Return on Equity (ROE) | 4.9005% | 4,514 |
| Retained earnings to average equity (ytd only) | 4.9005% | 3,189 |
| Net charge-offs to loans | 0.1217% | 4,002 |
| Credit loss provision to net charge-offs | 202.2472% | 2,195 |
| Earnings coverage of net charge-offs (x) | 6.5618% | 2,484 |
| Efficiency ratio | 75.9572% | 3,500 |
| Assets per employee ($millions) | 7.6024% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8261% | 568 |
| Loan loss allowance to noncurrent loans | 32.1668% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 7.9586% | 373 |
| Noncurrent loans to loans | 8.7859% | 377 |
| Net loans and leases to total assets | 77.6884% | 1,896 |
| Net loans and leases to deposits | 84.2227% | 3,946 |
| Net loans and leases to core deposits | 132.8821% | 1,481 |
| Total domestic deposits to total assets | 92.2417% | 150 |
| Equity capital to assets | 7.0526% | 7,657 |
| Core capital (leverage) ratio | 7.0716% | 7,582 |
| Tier 1 risk-based capital ratio | 8.6531% | 7,915 |
| Total risk-based capital ratio | 9.9220% | 7,967 |
| Memoranda: | ||
| Average total assets | $357,342,500 | 1,944 |
| Average earning assets | $340,653,500 | 1,871 |
| Average equity | $25,548,500 | 2,603 |
| Average total loans | $292,456,000 | 1,700 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2516% | 659 |
| Cost of funding earning assets | 3.6896% | 277 |
| Net interest margin | 3.5620% | 5,050 |
| Noninterest income to average assets | 0.1441% | 7,381 |
| Noninterest expense to average assets | 2.0734% | 7,294 |
| Loan and lease loss provision to assets | 2.4269% | 437 |
| Net operating income to assets | -0.6040% | 7,004 |
| Return on assets (ROA) | -0.5998% | 6,897 |
| Pretax return on assets | -0.9087% | 6,946 |
| Return on Equity (ROE) | -6.9337% | 7,042 |
| Retained earnings to average equity (ytd only) | -6.9337% | 6,774 |
| Net charge-offs to loans | 1.1241% | 1,075 |
| Credit loss provision to net charge-offs | 251.0901% | 1,853 |
| Earnings coverage of net charge-offs (x) | 1.5643% | 5,313 |
| Efficiency ratio | 57.8296% | 6,726 |
| Assets per employee ($millions) | 7.2869% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7813% | 523 |
| Loan loss allowance to noncurrent loans | 65.3156% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 4.3468% | 890 |
| Noncurrent loans to loans | 4.2583% | 1,142 |
| Net loans and leases to total assets | 81.4867% | 1,323 |
| Net loans and leases to deposits | 88.4932% | 3,721 |
| Net loans and leases to core deposits | 135.7179% | 1,508 |
| Total domestic deposits to total assets | 92.0825% | 120 |
| Equity capital to assets | 7.2507% | 7,588 |
| Core capital (leverage) ratio | 7.2739% | 7,445 |
| Tier 1 risk-based capital ratio | 8.4913% | 7,993 |
| Total risk-based capital ratio | 9.7596% | 8,044 |
| Memoranda: | ||
| Average total assets | $317,930,400 | 2,109 |
| Average earning assets | $307,158,800 | 1,989 |
| Average equity | $27,503,200 | 2,438 |
| Average total loans | $273,365,800 | 1,751 |