Home > Pacific National Bank > Performance and Condition Ratios
Pacific 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 | 5.2873% | 5,501 |
| Cost of funding earning assets | 2.0519% | 3,111 |
| Net interest margin | 3.2354% | 5,893 |
| Noninterest income to average assets | 0.1215% | 7,284 |
| Noninterest expense to average assets | 1.9985% | 7,390 |
| Loan and lease loss provision to assets | 2.7574% | 568 |
| Net operating income to assets | -1.1050% | 6,902 |
| Return on assets (ROA) | -1.2406% | 6,988 |
| Pretax return on assets | -2.0976% | 7,220 |
| Return on Equity (ROE) | -14.6444% | 7,171 |
| Retained earnings to average equity (ytd only) | -14.6444% | 7,114 |
| Net charge-offs to loans | 1.6831% | 1,202 |
| Credit loss provision to net charge-offs | 208.6591% | 2,114 |
| Earnings coverage of net charge-offs (x) | 0.6596% | 5,372 |
| Efficiency ratio | 69.6306% | 4,667 |
| Assets per employee ($millions) | 12.8848% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8244% | 770 |
| Loan loss allowance to noncurrent loans | 45.6977% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 5.9553% | 910 |
| Noncurrent loans to loans | 6.1806% | 947 |
| Net loans and leases to total assets | 68.6379% | 3,814 |
| Net loans and leases to deposits | 90.5521% | 2,469 |
| Net loans and leases to core deposits | 164.2606% | 329 |
| Total domestic deposits to total assets | 75.7993% | 6,619 |
| Equity capital to assets | 7.1855% | 7,499 |
| Core capital (leverage) ratio | 3.0852% | 8,024 |
| Tier 1 risk-based capital ratio | 3.7518% | 8,033 |
| Total risk-based capital ratio | 5.1211% | 8,032 |
| Memoranda: | ||
| Average total assets | $2,064,699,250 | 359 |
| Average earning assets | $1,754,112,750 | 380 |
| Average equity | $174,916,250 | 403 |
| Average total loans | $1,621,112,000 | 330 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6472% | 3,828 |
| Cost of funding earning assets | 2.1547% | 3,019 |
| Net interest margin | 3.4925% | 4,833 |
| Noninterest income to average assets | 0.0915% | 7,516 |
| Noninterest expense to average assets | 2.0057% | 7,455 |
| Loan and lease loss provision to assets | 1.7880% | 923 |
| Net operating income to assets | -0.4337% | 6,481 |
| Return on assets (ROA) | -0.4339% | 6,489 |
| Pretax return on assets | -0.7706% | 6,662 |
| Return on Equity (ROE) | -4.8348% | 6,585 |
| Retained earnings to average equity (ytd only) | -4.8348% | 6,274 |
| Net charge-offs to loans | 0.9703% | 1,802 |
| Credit loss provision to net charge-offs | 225.8517% | 2,038 |
| Earnings coverage of net charge-offs (x) | 1.2856% | 4,562 |
| Efficiency ratio | 66.3381% | 5,491 |
| Assets per employee ($millions) | 11.4003% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0765% | 1,432 |
| Loan loss allowance to noncurrent loans | 73.7890% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 3.7979% | 1,598 |
| Noncurrent loans to loans | 2.8141% | 2,556 |
| Net loans and leases to total assets | 74.9766% | 2,441 |
| Net loans and leases to deposits | 102.4726% | 1,036 |
| Net loans and leases to core deposits | 185.0861% | 183 |
| Total domestic deposits to total assets | 73.1675% | 7,083 |
| Equity capital to assets | 8.2954% | 6,336 |
| Core capital (leverage) ratio | 4.9437% | 8,033 |
| Tier 1 risk-based capital ratio | 5.1510% | 8,095 |
| Total risk-based capital ratio | 6.4537% | 8,098 |
| Memoranda: | ||
| Average total assets | $1,979,844,670 | 378 |
| Average earning assets | $1,662,099,670 | 406 |
| Average equity | $177,671,330 | 398 |
| Average total loans | $1,615,428,670 | 340 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8260% | 3,167 |
| Cost of funding earning assets | 2.2739% | 2,819 |
| Net interest margin | 3.5521% | 4,519 |
| Noninterest income to average assets | 0.0969% | 7,565 |
| Noninterest expense to average assets | 1.8323% | 7,655 |
| Loan and lease loss provision to assets | 1.1976% | 1,082 |
| Net operating income to assets | 0.1173% | 5,932 |
| Return on assets (ROA) | 0.1223% | 6,079 |
| Pretax return on assets | 0.1756% | 5,994 |
| Return on Equity (ROE) | 1.3072% | 6,036 |
| Retained earnings to average equity (ytd only) | 1.3072% | 5,113 |
| Net charge-offs to loans | 1.2665% | 1,108 |
| Credit loss provision to net charge-offs | 112.0283% | 3,457 |
| Earnings coverage of net charge-offs (x) | 1.2779% | 4,100 |
| Efficiency ratio | 57.2883% | 6,791 |
| Assets per employee ($millions) | 9.6994% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 2,920 |
| Loan loss allowance to noncurrent loans | 59.5366% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 3.0491% | 1,850 |
| Noncurrent loans to loans | 2.5380% | 2,597 |
| Net loans and leases to total assets | 83.6411% | 743 |
| Net loans and leases to deposits | 121.1892% | 265 |
| Net loans and leases to core deposits | 218.4858% | 103 |
| Total domestic deposits to total assets | 69.0169% | 7,511 |
| Equity capital to assets | 9.2068% | 5,081 |
| Core capital (leverage) ratio | 7.2062% | 7,473 |
| Tier 1 risk-based capital ratio | 6.9172% | 8,103 |
| Total risk-based capital ratio | 8.1774% | 8,110 |
| Memoranda: | ||
| Average total assets | $1,903,835,000 | 389 |
| Average earning assets | $1,662,331,500 | 406 |
| Average equity | $178,084,000 | 398 |
| Average total loans | $1,606,995,500 | 344 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9988% | 1,130 |
| Cost of funding earning assets | 3.0658% | 1,619 |
| Net interest margin | 3.9331% | 3,429 |
| Noninterest income to average assets | -0.1796% | 8,223 |
| Noninterest expense to average assets | 2.1221% | 7,181 |
| Loan and lease loss provision to assets | 0.9523% | 1,550 |
| Net operating income to assets | 0.4519% | 4,947 |
| Return on assets (ROA) | -2.8435% | 7,754 |
| Pretax return on assets | -4.9180% | 8,016 |
| Return on Equity (ROE) | -25.2684% | 7,868 |
| Retained earnings to average equity (ytd only) | -25.2684% | 7,814 |
| Net charge-offs to loans | 0.2325% | 3,916 |
| Credit loss provision to net charge-offs | 500.2926% | 869 |
| Earnings coverage of net charge-offs (x) | 6.2168% | 3,413 |
| Efficiency ratio | 64.1995% | 5,518 |
| Assets per employee ($millions) | 9.4834% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 2,594 |
| Loan loss allowance to noncurrent loans | 73.9924% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 2.4686% | 1,967 |
| Noncurrent loans to loans | 2.0517% | 2,694 |
| Net loans and leases to total assets | 82.6099% | 1,120 |
| Net loans and leases to deposits | 119.0217% | 408 |
| Net loans and leases to core deposits | 217.2285% | 119 |
| Total domestic deposits to total assets | 69.4074% | 7,340 |
| Equity capital to assets | 9.5037% | 4,689 |
| Core capital (leverage) ratio | 6.7456% | 7,840 |
| Tier 1 risk-based capital ratio | 6.7580% | 8,192 |
| Total risk-based capital ratio | 8.0075% | 8,201 |
| Memoranda: | ||
| Average total assets | $1,795,590,200 | 398 |
| Average earning assets | $1,591,091,400 | 403 |
| Average equity | $202,062,600 | 371 |
| Average total loans | $1,470,229,000 | 357 |