Home > Pacific Coast National Bank > Performance and Condition Ratios
Pacific Coast National Bank, Performance and Condition Ratios
| 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 | 5.0462% | 6,457 |
| Cost of funding earning assets | 1.8583% | 4,106 |
| Net interest margin | 3.1879% | 6,069 |
| Noninterest income to average assets | 0.2335% | 6,556 |
| Noninterest expense to average assets | 5.0282% | 476 |
| Loan and lease loss provision to assets | 4.7409% | 196 |
| Net operating income to assets | -6.5550% | 7,955 |
| Return on assets (ROA) | -6.5550% | 7,957 |
| Pretax return on assets | -6.5550% | 7,942 |
| Return on Equity (ROE) | -223.4318% | 8,080 |
| Retained earnings to average equity (ytd only) | -223.4318% | 8,080 |
| Net charge-offs to loans | 7.1996% | 101 |
| Credit loss provision to net charge-offs | 78.3894% | 5,800 |
| Earnings coverage of net charge-offs (x) | -0.3000% | 6,356 |
| Efficiency ratio | 156.4415% | 283 |
| Assets per employee ($millions) | 5.4758% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6726% | 179 |
| Loan loss allowance to noncurrent loans | 33.3246% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 13.5271% | 163 |
| Noncurrent loans to loans | 14.0214% | 180 |
| Net loans and leases to total assets | 79.4366% | 1,297 |
| Net loans and leases to deposits | 81.0091% | 4,192 |
| Net loans and leases to core deposits | 102.4013% | 4,117 |
| Total domestic deposits to total assets | 98.0589% | 11 |
| Equity capital to assets | 1.5599% | 8,066 |
| Core capital (leverage) ratio | 1.4424% | 8,063 |
| Tier 1 risk-based capital ratio | 1.7835% | 8,064 |
| Total risk-based capital ratio | 3.0736% | 8,065 |
| Memoranda: | ||
| Average total assets | $146,185,250 | 4,037 |
| Average earning assets | $136,679,500 | 3,992 |
| Average equity | $4,288,750 | 7,252 |
| Average total loans | $122,800,000 | 3,452 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0123% | 6,729 |
| Cost of funding earning assets | 1.9105% | 4,212 |
| Net interest margin | 3.1018% | 6,233 |
| Noninterest income to average assets | 0.3494% | 5,708 |
| Noninterest expense to average assets | 4.8456% | 579 |
| Loan and lease loss provision to assets | 4.4816% | 255 |
| Net operating income to assets | -6.0897% | 8,005 |
| Return on assets (ROA) | -6.0897% | 7,996 |
| Pretax return on assets | -6.0897% | 7,951 |
| Return on Equity (ROE) | -182.7607% | 8,144 |
| Retained earnings to average equity (ytd only) | -182.7607% | 8,143 |
| Net charge-offs to loans | 8.3644% | 92 |
| Credit loss provision to net charge-offs | 63.6347% | 5,531 |
| Earnings coverage of net charge-offs (x) | -0.2283% | 5,905 |
| Efficiency ratio | 149.6729% | 372 |
| Assets per employee ($millions) | 5.4770% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0067% | 256 |
| Loan loss allowance to noncurrent loans | 25.5891% | 6,804 |
| Noncurrent assets plus other real estate owned to assets | 13.3238% | 138 |
| Noncurrent loans to loans | 15.6580% | 118 |
| Net loans and leases to total assets | 72.0971% | 3,200 |
| Net loans and leases to deposits | 74.6543% | 5,356 |
| Net loans and leases to core deposits | 91.9904% | 5,352 |
| Total domestic deposits to total assets | 96.5747% | 22 |
| Equity capital to assets | 3.0211% | 8,117 |
| Core capital (leverage) ratio | 2.8543% | 8,129 |
| Tier 1 risk-based capital ratio | 3.6642% | 8,129 |
| Total risk-based capital ratio | 4.9446% | 8,129 |
| Memoranda: | ||
| Average total assets | $151,107,670 | 3,975 |
| Average earning assets | $140,693,670 | 3,932 |
| Average equity | $5,035,000 | 7,047 |
| Average total loans | $127,229,670 | 3,393 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4725% | 5,055 |
| Cost of funding earning assets | 1.8839% | 4,717 |
| Net interest margin | 3.5886% | 4,365 |
| Noninterest income to average assets | 0.3360% | 5,768 |
| Noninterest expense to average assets | 4.8139% | 552 |
| Loan and lease loss provision to assets | 9.0304% | 58 |
| Net operating income to assets | -10.1958% | 8,173 |
| Return on assets (ROA) | -10.1958% | 8,167 |
| Pretax return on assets | -10.1958% | 8,156 |
| Return on Equity (ROE) | -292.0550% | 8,218 |
| Retained earnings to average equity (ytd only) | -292.0550% | 8,217 |
| Net charge-offs to loans | 6.2707% | 146 |
| Credit loss provision to net charge-offs | 162.0871% | 2,624 |
| Earnings coverage of net charge-offs (x) | -0.2092% | 5,137 |
| Efficiency ratio | 131.9444% | 486 |
| Assets per employee ($millions) | 5.0672% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9615% | 68 |
| Loan loss allowance to noncurrent loans | 103.3724% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 5.0610% | 891 |
| Noncurrent loans to loans | 5.7671% | 852 |
| Net loans and leases to total assets | 78.7991% | 1,627 |
| Net loans and leases to deposits | 81.8212% | 4,318 |
| Net loans and leases to core deposits | 95.3312% | 5,030 |
| Total domestic deposits to total assets | 96.3064% | 13 |
| Equity capital to assets | 3.3288% | 8,193 |
| Core capital (leverage) ratio | 3.5197% | 8,184 |
| Tier 1 risk-based capital ratio | 3.8096% | 8,206 |
| Total risk-based capital ratio | 5.1152% | 8,207 |
| Memoranda: | ||
| Average total assets | $149,983,000 | 4,013 |
| Average earning assets | $138,438,500 | 3,987 |
| Average equity | $5,236,000 | 7,042 |
| Average total loans | $133,254,000 | 3,299 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7421% | 1,896 |
| Cost of funding earning assets | 2.4735% | 4,342 |
| Net interest margin | 4.2686% | 2,074 |
| Noninterest income to average assets | 0.8208% | 2,401 |
| Noninterest expense to average assets | 5.3096% | 548 |
| Loan and lease loss provision to assets | 6.1227% | 56 |
| Net operating income to assets | -6.5925% | 8,179 |
| Return on assets (ROA) | -6.5925% | 8,173 |
| Pretax return on assets | -6.5925% | 8,136 |
| Return on Equity (ROE) | -81.8222% | 8,251 |
| Retained earnings to average equity (ytd only) | -81.8222% | 8,247 |
| Net charge-offs to loans | 2.7219% | 344 |
| Credit loss provision to net charge-offs | 247.8763% | 1,881 |
| Earnings coverage of net charge-offs (x) | -0.1902% | 6,373 |
| Efficiency ratio | 109.7067% | 712 |
| Assets per employee ($millions) | 3.8617% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8561% | 106 |
| Loan loss allowance to noncurrent loans | 82.7438% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 5.5402% | 580 |
| Noncurrent loans to loans | 5.8689% | 633 |
| Net loans and leases to total assets | 89.8154% | 208 |
| Net loans and leases to deposits | 93.5412% | 2,846 |
| Net loans and leases to core deposits | 97.5189% | 5,094 |
| Total domestic deposits to total assets | 96.0170% | 6 |
| Equity capital to assets | 3.6694% | 8,262 |
| Core capital (leverage) ratio | 3.5914% | 8,269 |
| Tier 1 risk-based capital ratio | 3.7621% | 8,279 |
| Total risk-based capital ratio | 5.0551% | 8,278 |
| Memoranda: | ||
| Average total assets | $129,632,800 | 4,291 |
| Average earning assets | $122,053,600 | 4,212 |
| Average equity | $10,444,600 | 5,283 |
| Average total loans | $117,639,200 | 3,515 |