Home > Oceanside Bank > Performance and Condition Ratios
Oceanside Bank, Performance and Condition Ratios
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9344% | 5,110 |
Cost of funding earning assets | 1.6577% | 2,055 |
Net interest margin | 3.2767% | 6,090 |
Noninterest income to average assets | 0.2555% | 6,075 |
Noninterest expense to average assets | 2.6158% | 5,259 |
Loan and lease loss provision to assets | 0.7621% | 2,006 |
Net operating income to assets | 0.0113% | 5,979 |
Return on assets (ROA) | 0.0177% | 6,083 |
Pretax return on assets | -0.0383% | 6,150 |
Return on Equity (ROE) | 0.3785% | 6,035 |
Retained earnings to average equity (ytd only) | 0.3785% | 5,642 |
Net charge-offs to loans | 1.9856% | 955 |
Credit loss provision to net charge-offs | 55.1402% | 5,801 |
Earnings coverage of net charge-offs (x) | 0.5164% | 5,508 |
Efficiency ratio | 78.5632% | 2,550 |
Assets per employee ($millions) | 6.7732% | 846 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7928% | 1,009 |
Loan loss allowance to noncurrent loans | 99.8093% | 2,789 |
Noncurrent assets plus other real estate owned to assets | 3.2539% | 2,194 |
Noncurrent loans to loans | 2.7982% | 2,850 |
Net loans and leases to total assets | 70.7933% | 2,534 |
Net loans and leases to deposits | 77.9511% | 3,837 |
Net loans and leases to core deposits | 82.9558% | 4,094 |
Total domestic deposits to total assets | 90.8176% | 511 |
Equity capital to assets | 5.2389% | 7,555 |
Core capital (leverage) ratio | 4.8331% | 7,563 |
Tier 1 risk-based capital ratio | 7.1200% | 7,539 |
Total risk-based capital ratio | 8.3901% | 7,542 |
Memoranda: | ||
Average total assets | $278,713,000 | 2,324 |
Average earning assets | $261,476,000 | 2,278 |
Average equity | $13,031,750 | 4,430 |
Average total loans | $193,989,750 | 2,250 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8976% | 5,396 |
Cost of funding earning assets | 1.6866% | 2,184 |
Net interest margin | 3.2109% | 6,283 |
Noninterest income to average assets | 0.2498% | 6,127 |
Noninterest expense to average assets | 2.7024% | 4,894 |
Loan and lease loss provision to assets | 0.6731% | 2,146 |
Net operating income to assets | -0.0353% | 6,124 |
Return on assets (ROA) | -0.0259% | 6,206 |
Pretax return on assets | -0.1085% | 6,255 |
Return on Equity (ROE) | -0.5745% | 6,268 |
Retained earnings to average equity (ytd only) | -0.5745% | 5,866 |
Net charge-offs to loans | 2.5457% | 670 |
Credit loss provision to net charge-offs | 38.5262% | 5,630 |
Earnings coverage of net charge-offs (x) | 0.3148% | 5,413 |
Efficiency ratio | 83.0895% | 2,030 |
Assets per employee ($millions) | 6.5300% | 942 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6142% | 1,175 |
Loan loss allowance to noncurrent loans | 85.5040% | 3,185 |
Noncurrent assets plus other real estate owned to assets | 3.0409% | 2,339 |
Noncurrent loans to loans | 3.0574% | 2,632 |
Net loans and leases to total assets | 67.8596% | 3,398 |
Net loans and leases to deposits | 75.6066% | 4,401 |
Net loans and leases to core deposits | 81.6631% | 4,465 |
Total domestic deposits to total assets | 89.7535% | 1,047 |
Equity capital to assets | 4.8567% | 7,646 |
Core capital (leverage) ratio | 4.6404% | 7,641 |
Tier 1 risk-based capital ratio | 6.9302% | 7,608 |
Total risk-based capital ratio | 8.1981% | 7,612 |
Memoranda: | ||
Average total assets | $285,823,000 | 2,294 |
Average earning assets | $267,276,330 | 2,249 |
Average equity | $12,881,000 | 4,464 |
Average total loans | $196,171,330 | 2,253 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8678% | 5,616 |
Cost of funding earning assets | 1.7836% | 1,946 |
Net interest margin | 3.0842% | 6,638 |
Noninterest income to average assets | 0.2085% | 6,467 |
Noninterest expense to average assets | 2.4883% | 5,770 |
Loan and lease loss provision to assets | 1.1961% | 1,018 |
Net operating income to assets | -0.5940% | 6,893 |
Return on assets (ROA) | -0.5651% | 6,905 |
Pretax return on assets | -0.5651% | 6,826 |
Return on Equity (ROE) | -13.0158% | 7,257 |
Retained earnings to average equity (ytd only) | -13.0158% | 7,121 |
Net charge-offs to loans | 1.5138% | 1,147 |
Credit loss provision to net charge-offs | 115.9574% | 3,004 |
Earnings coverage of net charge-offs (x) | 0.5838% | 4,504 |
Efficiency ratio | 80.5149% | 2,489 |
Assets per employee ($millions) | 6.3494% | 1,069 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3853% | 591 |
Loan loss allowance to noncurrent loans | 103.9056% | 2,658 |
Noncurrent assets plus other real estate owned to assets | 3.0470% | 2,343 |
Noncurrent loans to loans | 3.2581% | 2,450 |
Net loans and leases to total assets | 66.4338% | 3,767 |
Net loans and leases to deposits | 73.4162% | 4,838 |
Net loans and leases to core deposits | 80.4104% | 4,714 |
Total domestic deposits to total assets | 90.4894% | 744 |
Equity capital to assets | 4.3840% | 7,766 |
Core capital (leverage) ratio | 4.3173% | 7,752 |
Tier 1 risk-based capital ratio | 6.4618% | 7,730 |
Total risk-based capital ratio | 7.7392% | 7,731 |
Memoranda: | ||
Average total assets | $291,605,000 | 2,303 |
Average earning assets | $272,483,000 | 2,268 |
Average equity | $12,661,500 | 4,549 |
Average total loans | $198,703,500 | 2,288 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1476% | 5,890 |
Cost of funding earning assets | 2.4519% | 1,151 |
Net interest margin | 2.6957% | 7,216 |
Noninterest income to average assets | 0.0574% | 7,472 |
Noninterest expense to average assets | 2.5837% | 5,846 |
Loan and lease loss provision to assets | 2.1303% | 992 |
Net operating income to assets | -2.3625% | 7,217 |
Return on assets (ROA) | -2.3434% | 7,216 |
Pretax return on assets | -2.1650% | 7,002 |
Return on Equity (ROE) | -38.3418% | 7,541 |
Retained earnings to average equity (ytd only) | -39.4261% | 7,544 |
Net charge-offs to loans | 1.8194% | 1,371 |
Credit loss provision to net charge-offs | 167.7730% | 2,567 |
Earnings coverage of net charge-offs (x) | -0.0423% | 6,263 |
Efficiency ratio | 102.1225% | 1,009 |
Assets per employee ($millions) | 6.6108% | 938 |
Cash dividends to net income (ytd only)* | -2.8281% | 7,459 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2502% | 634 |
Loan loss allowance to noncurrent loans | 97.1441% | 2,879 |
Noncurrent assets plus other real estate owned to assets | 2.8405% | 2,471 |
Noncurrent loans to loans | 3.3458% | 2,278 |
Net loans and leases to total assets | 65.3502% | 4,310 |
Net loans and leases to deposits | 72.0073% | 5,327 |
Net loans and leases to core deposits | 87.0540% | 5,426 |
Total domestic deposits to total assets | 90.7549% | 636 |
Equity capital to assets | 4.3017% | 7,835 |
Core capital (leverage) ratio | 4.0622% | 7,840 |
Tier 1 risk-based capital ratio | 6.4030% | 7,795 |
Total risk-based capital ratio | 7.6781% | 7,796 |
Memoranda: | ||
Average total assets | $294,228,400 | 2,252 |
Average earning assets | $269,871,200 | 2,238 |
Average equity | $17,983,000 | 3,505 |
Average total loans | $205,345,800 | 2,253 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1464% | 6,122 |
Cost of funding earning assets | 2.5413% | 1,175 |
Net interest margin | 2.6051% | 7,351 |
Noninterest income to average assets | 0.3276% | 5,863 |
Noninterest expense to average assets | 2.7542% | 5,087 |
Loan and lease loss provision to assets | 1.6718% | 1,120 |
Net operating income to assets | -0.9474% | 6,795 |
Return on assets (ROA) | -0.9311% | 6,789 |
Pretax return on assets | -1.6981% | 7,047 |
Return on Equity (ROE) | -14.1701% | 7,145 |
Retained earnings to average equity (ytd only) | -15.5187% | 7,162 |
Net charge-offs to loans | 2.3276% | 808 |
Credit loss provision to net charge-offs | 102.0810% | 4,987 |
Earnings coverage of net charge-offs (x) | -0.0316% | 6,105 |
Efficiency ratio | 101.9169% | 984 |
Assets per employee ($millions) | 6.7900% | 865 |
Cash dividends to net income (ytd only)* | -9.5167% | 7,753 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0035% | 1,794 |
Loan loss allowance to noncurrent loans | 58.3751% | 4,462 |
Noncurrent assets plus other real estate owned to assets | 2.8099% | 2,468 |
Noncurrent loans to loans | 3.4321% | 2,183 |
Net loans and leases to total assets | 61.1413% | 5,399 |
Net loans and leases to deposits | 67.9216% | 6,129 |
Net loans and leases to core deposits | 80.6883% | 6,292 |
Total domestic deposits to total assets | 90.0175% | 759 |
Equity capital to assets | 5.4219% | 7,924 |
Core capital (leverage) ratio | 4.7484% | 7,941 |
Tier 1 risk-based capital ratio | 7.2357% | 7,874 |
Total risk-based capital ratio | 8.4943% | 7,875 |
Memoranda: | ||
Average total assets | $293,413,500 | 2,275 |
Average earning assets | $267,470,250 | 2,270 |
Average equity | $19,279,500 | 3,346 |
Average total loans | $206,447,250 | 2,259 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4053% | 5,124 |
Cost of funding earning assets | 2.6239% | 1,224 |
Net interest margin | 2.7814% | 7,049 |
Noninterest income to average assets | 0.3135% | 5,999 |
Noninterest expense to average assets | 2.7044% | 5,371 |
Loan and lease loss provision to assets | 0.2598% | 4,501 |
Net operating income to assets | 0.0489% | 5,708 |
Return on assets (ROA) | 0.0743% | 5,730 |
Pretax return on assets | -0.0977% | 5,990 |
Return on Equity (ROE) | 1.0598% | 5,619 |
Retained earnings to average equity (ytd only) | -0.9084% | 5,457 |
Net charge-offs to loans | 0.2034% | 4,256 |
Credit loss provision to net charge-offs | 173.9336% | 2,643 |
Earnings coverage of net charge-offs (x) | 0.8199% | 4,920 |
Efficiency ratio | 95.6685% | 1,400 |
Assets per employee ($millions) | 6.4370% | 988 |
Cash dividends to net income (ytd only)* | 185.7143% | 255 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9983% | 1,571 |
Loan loss allowance to noncurrent loans | 45.0407% | 5,360 |
Noncurrent assets plus other real estate owned to assets | 3.8061% | 1,593 |
Noncurrent loans to loans | 4.4367% | 1,457 |
Net loans and leases to total assets | 67.3537% | 4,280 |
Net loans and leases to deposits | 75.8744% | 5,191 |
Net loans and leases to core deposits | 92.8042% | 5,266 |
Total domestic deposits to total assets | 88.7701% | 1,395 |
Equity capital to assets | 6.5036% | 7,818 |
Core capital (leverage) ratio | 6.7086% | 7,697 |
Tier 1 risk-based capital ratio | 9.2080% | 7,593 |
Total risk-based capital ratio | 10.4671% | 7,580 |
Memoranda: | ||
Average total assets | $282,578,330 | 2,357 |
Average earning assets | $255,342,000 | 2,395 |
Average equity | $19,815,670 | 3,272 |
Average total loans | $207,481,330 | 2,267 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7168% | 3,706 |
Cost of funding earning assets | 2.7587% | 1,089 |
Net interest margin | 2.9581% | 6,591 |
Noninterest income to average assets | 0.2993% | 6,041 |
Noninterest expense to average assets | 2.6134% | 5,398 |
Loan and lease loss provision to assets | 0.3434% | 3,270 |
Net operating income to assets | 0.0748% | 6,057 |
Return on assets (ROA) | 0.1409% | 6,025 |
Pretax return on assets | 0.0646% | 6,244 |
Return on Equity (ROE) | 1.9311% | 5,794 |
Retained earnings to average equity (ytd only) | 0.0201% | 5,636 |
Net charge-offs to loans | 0.3300% | 2,778 |
Credit loss provision to net charge-offs | 136.8421% | 2,964 |
Earnings coverage of net charge-offs (x) | 1.3626% | 4,053 |
Efficiency ratio | 88.4310% | 1,855 |
Assets per employee ($millions) | 5.6612% | 1,427 |
Cash dividends to net income (ytd only)* | 98.9583% | 774 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9577% | 1,503 |
Loan loss allowance to noncurrent loans | 55.5677% | 4,861 |
Noncurrent assets plus other real estate owned to assets | 3.4780% | 1,549 |
Noncurrent loans to loans | 3.5231% | 1,804 |
Net loans and leases to total assets | 73.3331% | 2,931 |
Net loans and leases to deposits | 84.2710% | 3,936 |
Net loans and leases to core deposits | 103.1446% | 4,229 |
Total domestic deposits to total assets | 87.0205% | 2,204 |
Equity capital to assets | 7.1637% | 7,590 |
Core capital (leverage) ratio | 7.2092% | 7,469 |
Tier 1 risk-based capital ratio | 9.2232% | 7,653 |
Total risk-based capital ratio | 10.4816% | 7,635 |
Memoranda: | ||
Average total assets | $272,597,500 | 2,439 |
Average earning assets | $244,753,500 | 2,497 |
Average equity | $19,885,500 | 3,273 |
Average total loans | $207,258,500 | 2,296 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3780% | 3,532 |
Cost of funding earning assets | 3.4122% | 691 |
Net interest margin | 2.9659% | 6,997 |
Noninterest income to average assets | 0.4530% | 5,016 |
Noninterest expense to average assets | 2.8474% | 4,615 |
Loan and lease loss provision to assets | 1.6785% | 772 |
Net operating income to assets | -0.7233% | 7,078 |
Return on assets (ROA) | -0.6393% | 6,924 |
Pretax return on assets | -1.2361% | 7,135 |
Return on Equity (ROE) | -7.9261% | 7,120 |
Retained earnings to average equity (ytd only) | -9.1021% | 6,978 |
Net charge-offs to loans | 1.2714% | 939 |
Credit loss provision to net charge-offs | 170.5474% | 2,999 |
Earnings coverage of net charge-offs (x) | 0.3161% | 6,042 |
Efficiency ratio | 90.1502% | 1,502 |
Assets per employee ($millions) | 5.4652% | 1,481 |
Cash dividends to net income (ytd only)* | -14.8368% | 7,903 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9316% | 1,357 |
Loan loss allowance to noncurrent loans | 56.2052% | 5,163 |
Noncurrent assets plus other real estate owned to assets | 3.9344% | 1,058 |
Noncurrent loans to loans | 3.4367% | 1,492 |
Net loans and leases to total assets | 75.8155% | 2,674 |
Net loans and leases to deposits | 84.6463% | 4,317 |
Net loans and leases to core deposits | 107.9453% | 3,974 |
Total domestic deposits to total assets | 89.5674% | 824 |
Equity capital to assets | 7.4307% | 7,445 |
Core capital (leverage) ratio | 7.2457% | 7,475 |
Tier 1 risk-based capital ratio | 8.9932% | 7,783 |
Total risk-based capital ratio | 10.2509% | 7,781 |
Memoranda: | ||
Average total assets | $263,576,000 | 2,429 |
Average earning assets | $240,434,000 | 2,452 |
Average equity | $21,258,800 | 3,070 |
Average total loans | $204,022,000 | 2,260 |