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Oakland Deposit Bank, Performance and Condition Ratios
| 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 | 5.0932% | 6,463 |
| Cost of funding earning assets | 2.8175% | 749 |
| Net interest margin | 2.2757% | 7,693 |
| Noninterest income to average assets | 0.2602% | 6,416 |
| Noninterest expense to average assets | 3.6410% | 1,972 |
| Loan and lease loss provision to assets | 5.2278% | 184 |
| Net operating income to assets | -3.7316% | 7,794 |
| Return on assets (ROA) | -3.7213% | 7,793 |
| Pretax return on assets | -6.7713% | 8,009 |
| Return on Equity (ROE) | -41.3528% | 7,857 |
| Retained earnings to average equity (ytd only) | -41.3528% | 7,842 |
| Net charge-offs to loans | 9.3478% | 69 |
| Credit loss provision to net charge-offs | 82.1555% | 5,135 |
| Earnings coverage of net charge-offs (x) | -0.2451% | 5,917 |
| Efficiency ratio | 164.0432% | 308 |
| Assets per employee ($millions) | 2.9056% | 6,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 6,335 |
| Loan loss allowance to noncurrent loans | 9.5936% | 7,501 |
| Noncurrent assets plus other real estate owned to assets | 9.5444% | 331 |
| Noncurrent loans to loans | 10.2979% | 331 |
| Net loans and leases to total assets | 61.9247% | 5,371 |
| Net loans and leases to deposits | 67.9805% | 6,189 |
| Net loans and leases to core deposits | 92.6487% | 5,277 |
| Total domestic deposits to total assets | 91.0919% | 426 |
| Equity capital to assets | 8.1734% | 6,528 |
| Core capital (leverage) ratio | 2.9116% | 8,128 |
| Tier 1 risk-based capital ratio | 3.9447% | 8,125 |
| Total risk-based capital ratio | 4.8362% | 8,132 |
| Memoranda: | ||
| Average total assets | $124,526,000 | 4,520 |
| Average earning assets | $99,661,670 | 4,899 |
| Average equity | $11,206,000 | 5,030 |
| Average total loans | $84,769,000 | 4,440 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2109% | 6,251 |
| Cost of funding earning assets | 2.8874% | 793 |
| Net interest margin | 2.3235% | 7,691 |
| Noninterest income to average assets | 0.3668% | 5,498 |
| Noninterest expense to average assets | 4.5882% | 655 |
| Loan and lease loss provision to assets | 7.7286% | 72 |
| Net operating income to assets | -5.3328% | 8,063 |
| Return on assets (ROA) | -5.3122% | 8,053 |
| Pretax return on assets | -10.0484% | 8,153 |
| Return on Equity (ROE) | -56.4300% | 8,073 |
| Retained earnings to average equity (ytd only) | -56.4300% | 8,055 |
| Net charge-offs to loans | 14.1549% | 29 |
| Credit loss provision to net charge-offs | 77.0613% | 4,240 |
| Earnings coverage of net charge-offs (x) | -0.2345% | 5,155 |
| Efficiency ratio | 195.1079% | 197 |
| Assets per employee ($millions) | 2.8568% | 6,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 6,746 |
| Loan loss allowance to noncurrent loans | 9.9583% | 7,514 |
| Noncurrent assets plus other real estate owned to assets | 8.2080% | 350 |
| Noncurrent loans to loans | 9.0494% | 352 |
| Net loans and leases to total assets | 68.3922% | 4,046 |
| Net loans and leases to deposits | 75.6422% | 5,266 |
| Net loans and leases to core deposits | 100.8245% | 4,458 |
| Total domestic deposits to total assets | 90.4154% | 632 |
| Equity capital to assets | 8.8617% | 5,538 |
| Core capital (leverage) ratio | 3.8538% | 8,173 |
| Tier 1 risk-based capital ratio | 4.8770% | 8,177 |
| Total risk-based capital ratio | 5.7045% | 8,188 |
| Memoranda: | ||
| Average total assets | $124,318,000 | 4,531 |
| Average earning assets | $100,020,500 | 4,915 |
| Average equity | $11,703,000 | 4,921 |
| Average total loans | $88,082,500 | 4,354 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0323% | 8,297 |
| Cost of funding earning assets | 0.0682% | 8,268 |
| Net interest margin | -0.0360% | 8,302 |
| Noninterest income to average assets | 0.0375% | 7,946 |
| Noninterest expense to average assets | 0.1268% | 8,290 |
| Loan and lease loss provision to assets | 0.0359% | 6,956 |
| Net operating income to assets | -0.0965% | 6,489 |
| Return on assets (ROA) | -0.0965% | 6,342 |
| Pretax return on assets | -0.1563% | 6,330 |
| Return on Equity (ROE) | -1.4436% | 6,422 |
| Retained earnings to average equity (ytd only) | -1.4436% | 5,720 |
| Net charge-offs to loans | 2.9375% | 302 |
| Credit loss provision to net charge-offs | 1.6382% | 6,649 |
| Earnings coverage of net charge-offs (x) | -0.0550% | 6,288 |
| Efficiency ratio | 1,987.5000% | 7 |
| Assets per employee ($millions) | 2.6764% | 6,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6184% | 2,165 |
| Loan loss allowance to noncurrent loans | 28.7240% | 6,780 |
| Noncurrent assets plus other real estate owned to assets | 6.0162% | 493 |
| Noncurrent loans to loans | 5.6343% | 689 |
| Net loans and leases to total assets | 71.4722% | 3,691 |
| Net loans and leases to deposits | 79.9607% | 5,050 |
| Net loans and leases to core deposits | 106.9825% | 4,079 |
| Total domestic deposits to total assets | 89.3841% | 883 |
| Equity capital to assets | 9.9529% | 4,098 |
| Core capital (leverage) ratio | 6.2972% | 7,990 |
| Tier 1 risk-based capital ratio | 7.6323% | 8,119 |
| Total risk-based capital ratio | 8.8849% | 8,148 |
| Memoranda: | ||
| Average total assets | $125,424,000 | 4,389 |
| Average earning assets | $108,463,000 | 4,549 |
| Average equity | $8,382,000 | 5,952 |
| Average total loans | $93,515,400 | 4,118 |