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Oceanside Bank, Performance and Condition Ratios

2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9344%5,110
Cost of funding earning assets1.6577%2,055
Net interest margin3.2767%6,090
Noninterest income to average assets0.2555%6,075
Noninterest expense to average assets2.6158%5,259
Loan and lease loss provision to assets0.7621%2,006
Net operating income to assets0.0113%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 loans1.9856%955
Credit loss provision to net charge-offs55.1402%5,801
Earnings coverage of net charge-offs (x)0.5164%5,508
Efficiency ratio78.5632%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 loans2.7928%1,009
Loan loss allowance to noncurrent loans99.8093%2,789
Noncurrent assets plus other real estate owned to assets3.2539%2,194
Noncurrent loans to loans2.7982%2,850
Net loans and leases to total assets70.7933%2,534
Net loans and leases to deposits77.9511%3,837
Net loans and leases to core deposits82.9558%4,094
Total domestic deposits to total assets90.8176%511
Equity capital to assets5.2389%7,555
Core capital (leverage) ratio4.8331%7,563
Tier 1 risk-based capital ratio7.1200%7,539
Total risk-based capital ratio8.3901%7,542
Memoranda:
Average total assets$278,713,0002,324
Average earning assets$261,476,0002,278
Average equity$13,031,7504,430
Average total loans$193,989,7502,250
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8976%5,396
Cost of funding earning assets1.6866%2,184
Net interest margin3.2109%6,283
Noninterest income to average assets0.2498%6,127
Noninterest expense to average assets2.7024%4,894
Loan and lease loss provision to assets0.6731%2,146
Net operating income to assets-0.0353%6,124
Return on assets (ROA)-0.0259%6,206
Pretax return on assets-0.1085%6,255
Return on Equity (ROE)-0.5745%6,268
Retained earnings to average equity (ytd only)-0.5745%5,866
Net charge-offs to loans2.5457%670
Credit loss provision to net charge-offs38.5262%5,630
Earnings coverage of net charge-offs (x)0.3148%5,413
Efficiency ratio83.0895%2,030
Assets per employee ($millions)6.5300%942
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.6142%1,175
Loan loss allowance to noncurrent loans85.5040%3,185
Noncurrent assets plus other real estate owned to assets3.0409%2,339
Noncurrent loans to loans3.0574%2,632
Net loans and leases to total assets67.8596%3,398
Net loans and leases to deposits75.6066%4,401
Net loans and leases to core deposits81.6631%4,465
Total domestic deposits to total assets89.7535%1,047
Equity capital to assets4.8567%7,646
Core capital (leverage) ratio4.6404%7,641
Tier 1 risk-based capital ratio6.9302%7,608
Total risk-based capital ratio8.1981%7,612
Memoranda:
Average total assets$285,823,0002,294
Average earning assets$267,276,3302,249
Average equity$12,881,0004,464
Average total loans$196,171,3302,253
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8678%5,616
Cost of funding earning assets1.7836%1,946
Net interest margin3.0842%6,638
Noninterest income to average assets0.2085%6,467
Noninterest expense to average assets2.4883%5,770
Loan and lease loss provision to assets1.1961%1,018
Net operating income to assets-0.5940%6,893
Return on assets (ROA)-0.5651%6,905
Pretax return on assets-0.5651%6,826
Return on Equity (ROE)-13.0158%7,257
Retained earnings to average equity (ytd only)-13.0158%7,121
Net charge-offs to loans1.5138%1,147
Credit loss provision to net charge-offs115.9574%3,004
Earnings coverage of net charge-offs (x)0.5838%4,504
Efficiency ratio80.5149%2,489
Assets per employee ($millions)6.3494%1,069
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans3.3853%591
Loan loss allowance to noncurrent loans103.9056%2,658
Noncurrent assets plus other real estate owned to assets3.0470%2,343
Noncurrent loans to loans3.2581%2,450
Net loans and leases to total assets66.4338%3,767
Net loans and leases to deposits73.4162%4,838
Net loans and leases to core deposits80.4104%4,714
Total domestic deposits to total assets90.4894%744
Equity capital to assets4.3840%7,766
Core capital (leverage) ratio4.3173%7,752
Tier 1 risk-based capital ratio6.4618%7,730
Total risk-based capital ratio7.7392%7,731
Memoranda:
Average total assets$291,605,0002,303
Average earning assets$272,483,0002,268
Average equity$12,661,5004,549
Average total loans$198,703,5002,288
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1476%5,890
Cost of funding earning assets2.4519%1,151
Net interest margin2.6957%7,216
Noninterest income to average assets0.0574%7,472
Noninterest expense to average assets2.5837%5,846
Loan and lease loss provision to assets2.1303%992
Net operating income to assets-2.3625%7,217
Return on assets (ROA)-2.3434%7,216
Pretax return on assets-2.1650%7,002
Return on Equity (ROE)-38.3418%7,541
Retained earnings to average equity (ytd only)-39.4261%7,544
Net charge-offs to loans1.8194%1,371
Credit loss provision to net charge-offs167.7730%2,567
Earnings coverage of net charge-offs (x)-0.0423%6,263
Efficiency ratio102.1225%1,009
Assets per employee ($millions)6.6108%938
Cash dividends to net income (ytd only)*-2.8281%7,459
Condition Ratios (%)
Loss allowance to loans3.2502%634
Loan loss allowance to noncurrent loans97.1441%2,879
Noncurrent assets plus other real estate owned to assets2.8405%2,471
Noncurrent loans to loans3.3458%2,278
Net loans and leases to total assets65.3502%4,310
Net loans and leases to deposits72.0073%5,327
Net loans and leases to core deposits87.0540%5,426
Total domestic deposits to total assets90.7549%636
Equity capital to assets4.3017%7,835
Core capital (leverage) ratio4.0622%7,840
Tier 1 risk-based capital ratio6.4030%7,795
Total risk-based capital ratio7.6781%7,796
Memoranda:
Average total assets$294,228,4002,252
Average earning assets$269,871,2002,238
Average equity$17,983,0003,505
Average total loans$205,345,8002,253
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1464%6,122
Cost of funding earning assets2.5413%1,175
Net interest margin2.6051%7,351
Noninterest income to average assets0.3276%5,863
Noninterest expense to average assets2.7542%5,087
Loan and lease loss provision to assets1.6718%1,120
Net operating income to assets-0.9474%6,795
Return on assets (ROA)-0.9311%6,789
Pretax return on assets-1.6981%7,047
Return on Equity (ROE)-14.1701%7,145
Retained earnings to average equity (ytd only)-15.5187%7,162
Net charge-offs to loans2.3276%808
Credit loss provision to net charge-offs102.0810%4,987
Earnings coverage of net charge-offs (x)-0.0316%6,105
Efficiency ratio101.9169%984
Assets per employee ($millions)6.7900%865
Cash dividends to net income (ytd only)*-9.5167%7,753
Condition Ratios (%)
Loss allowance to loans2.0035%1,794
Loan loss allowance to noncurrent loans58.3751%4,462
Noncurrent assets plus other real estate owned to assets2.8099%2,468
Noncurrent loans to loans3.4321%2,183
Net loans and leases to total assets61.1413%5,399
Net loans and leases to deposits67.9216%6,129
Net loans and leases to core deposits80.6883%6,292
Total domestic deposits to total assets90.0175%759
Equity capital to assets5.4219%7,924
Core capital (leverage) ratio4.7484%7,941
Tier 1 risk-based capital ratio7.2357%7,874
Total risk-based capital ratio8.4943%7,875
Memoranda:
Average total assets$293,413,5002,275
Average earning assets$267,470,2502,270
Average equity$19,279,5003,346
Average total loans$206,447,2502,259
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4053%5,124
Cost of funding earning assets2.6239%1,224
Net interest margin2.7814%7,049
Noninterest income to average assets0.3135%5,999
Noninterest expense to average assets2.7044%5,371
Loan and lease loss provision to assets0.2598%4,501
Net operating income to assets0.0489%5,708
Return on assets (ROA)0.0743%5,730
Pretax return on assets-0.0977%5,990
Return on Equity (ROE)1.0598%5,619
Retained earnings to average equity (ytd only)-0.9084%5,457
Net charge-offs to loans0.2034%4,256
Credit loss provision to net charge-offs173.9336%2,643
Earnings coverage of net charge-offs (x)0.8199%4,920
Efficiency ratio95.6685%1,400
Assets per employee ($millions)6.4370%988
Cash dividends to net income (ytd only)*185.7143%255
Condition Ratios (%)
Loss allowance to loans1.9983%1,571
Loan loss allowance to noncurrent loans45.0407%5,360
Noncurrent assets plus other real estate owned to assets3.8061%1,593
Noncurrent loans to loans4.4367%1,457
Net loans and leases to total assets67.3537%4,280
Net loans and leases to deposits75.8744%5,191
Net loans and leases to core deposits92.8042%5,266
Total domestic deposits to total assets88.7701%1,395
Equity capital to assets6.5036%7,818
Core capital (leverage) ratio6.7086%7,697
Tier 1 risk-based capital ratio9.2080%7,593
Total risk-based capital ratio10.4671%7,580
Memoranda:
Average total assets$282,578,3302,357
Average earning assets$255,342,0002,395
Average equity$19,815,6703,272
Average total loans$207,481,3302,267
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7168%3,706
Cost of funding earning assets2.7587%1,089
Net interest margin2.9581%6,591
Noninterest income to average assets0.2993%6,041
Noninterest expense to average assets2.6134%5,398
Loan and lease loss provision to assets0.3434%3,270
Net operating income to assets0.0748%6,057
Return on assets (ROA)0.1409%6,025
Pretax return on assets0.0646%6,244
Return on Equity (ROE)1.9311%5,794
Retained earnings to average equity (ytd only)0.0201%5,636
Net charge-offs to loans0.3300%2,778
Credit loss provision to net charge-offs136.8421%2,964
Earnings coverage of net charge-offs (x)1.3626%4,053
Efficiency ratio88.4310%1,855
Assets per employee ($millions)5.6612%1,427
Cash dividends to net income (ytd only)*98.9583%774
Condition Ratios (%)
Loss allowance to loans1.9577%1,503
Loan loss allowance to noncurrent loans55.5677%4,861
Noncurrent assets plus other real estate owned to assets3.4780%1,549
Noncurrent loans to loans3.5231%1,804
Net loans and leases to total assets73.3331%2,931
Net loans and leases to deposits84.2710%3,936
Net loans and leases to core deposits103.1446%4,229
Total domestic deposits to total assets87.0205%2,204
Equity capital to assets7.1637%7,590
Core capital (leverage) ratio7.2092%7,469
Tier 1 risk-based capital ratio9.2232%7,653
Total risk-based capital ratio10.4816%7,635
Memoranda:
Average total assets$272,597,5002,439
Average earning assets$244,753,5002,497
Average equity$19,885,5003,273
Average total loans$207,258,5002,296
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3780%3,532
Cost of funding earning assets3.4122%691
Net interest margin2.9659%6,997
Noninterest income to average assets0.4530%5,016
Noninterest expense to average assets2.8474%4,615
Loan and lease loss provision to assets1.6785%772
Net operating income to assets-0.7233%7,078
Return on assets (ROA)-0.6393%6,924
Pretax return on assets-1.2361%7,135
Return on Equity (ROE)-7.9261%7,120
Retained earnings to average equity (ytd only)-9.1021%6,978
Net charge-offs to loans1.2714%939
Credit loss provision to net charge-offs170.5474%2,999
Earnings coverage of net charge-offs (x)0.3161%6,042
Efficiency ratio90.1502%1,502
Assets per employee ($millions)5.4652%1,481
Cash dividends to net income (ytd only)*-14.8368%7,903
Condition Ratios (%)
Loss allowance to loans1.9316%1,357
Loan loss allowance to noncurrent loans56.2052%5,163
Noncurrent assets plus other real estate owned to assets3.9344%1,058
Noncurrent loans to loans3.4367%1,492
Net loans and leases to total assets75.8155%2,674
Net loans and leases to deposits84.6463%4,317
Net loans and leases to core deposits107.9453%3,974
Total domestic deposits to total assets89.5674%824
Equity capital to assets7.4307%7,445
Core capital (leverage) ratio7.2457%7,475
Tier 1 risk-based capital ratio8.9932%7,783
Total risk-based capital ratio10.2509%7,781
Memoranda:
Average total assets$263,576,0002,429
Average earning assets$240,434,0002,452
Average equity$21,258,8003,070
Average total loans$204,022,0002,260