Home > Pacific State Bank > Performance and Condition Ratios
Pacific State Bank, Performance and Condition Ratios
| 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 | 5.5011% | 2,505 |
| Cost of funding earning assets | 1.6735% | 2,272 |
| Net interest margin | 3.8277% | 3,777 |
| Noninterest income to average assets | -0.1554% | 7,663 |
| Noninterest expense to average assets | 4.1077% | 913 |
| Loan and lease loss provision to assets | 0.5295% | 2,670 |
| Net operating income to assets | -1.9962% | 7,304 |
| Return on assets (ROA) | -1.9962% | 7,310 |
| Pretax return on assets | -1.5282% | 7,083 |
| Return on Equity (ROE) | -53.8145% | 7,629 |
| Retained earnings to average equity (ytd only) | -53.8145% | 7,625 |
| Net charge-offs to loans | 0.2114% | 4,344 |
| Credit loss provision to net charge-offs | 342.0849% | 1,065 |
| Earnings coverage of net charge-offs (x) | -6.4517% | 6,297 |
| Efficiency ratio | 132.1223% | 303 |
| Assets per employee ($millions) | 3.7152% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7417% | 210 |
| Loan loss allowance to noncurrent loans | 50.7891% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 11.7449% | 283 |
| Noncurrent loans to loans | 9.3360% | 496 |
| Net loans and leases to total assets | 71.6804% | 2,491 |
| Net loans and leases to deposits | 80.2268% | 3,560 |
| Net loans and leases to core deposits | 90.2157% | 3,221 |
| Total domestic deposits to total assets | 89.3472% | 1,258 |
| Equity capital to assets | 3.4873% | 7,726 |
| Core capital (leverage) ratio | 3.7846% | 7,694 |
| Tier 1 risk-based capital ratio | 4.4716% | 7,726 |
| Total risk-based capital ratio | 5.7580% | 7,730 |
| Memoranda: | ||
| Average total assets | $334,637,330 | 1,990 |
| Average earning assets | $285,395,670 | 2,118 |
| Average equity | $12,413,000 | 4,569 |
| Average total loans | $245,068,000 | 1,837 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3517% | 3,289 |
| Cost of funding earning assets | 1.7041% | 2,372 |
| Net interest margin | 3.6477% | 4,501 |
| Noninterest income to average assets | -0.5169% | 7,864 |
| Noninterest expense to average assets | 3.8738% | 1,216 |
| Loan and lease loss provision to assets | 0.4568% | 2,684 |
| Net operating income to assets | -2.6365% | 7,581 |
| Return on assets (ROA) | -2.6365% | 7,580 |
| Pretax return on assets | -1.7310% | 7,330 |
| Return on Equity (ROE) | -69.2063% | 7,765 |
| Retained earnings to average equity (ytd only) | -69.2063% | 7,758 |
| Net charge-offs to loans | 0.1391% | 4,102 |
| Credit loss provision to net charge-offs | 454.0230% | 928 |
| Earnings coverage of net charge-offs (x) | -12.6667% | 5,568 |
| Efficiency ratio | 149.0214% | 215 |
| Assets per employee ($millions) | 3.9784% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4321% | 267 |
| Loan loss allowance to noncurrent loans | 45.0832% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 11.3783% | 308 |
| Noncurrent loans to loans | 9.8309% | 434 |
| Net loans and leases to total assets | 72.3659% | 2,364 |
| Net loans and leases to deposits | 81.0371% | 3,457 |
| Net loans and leases to core deposits | 91.3100% | 3,201 |
| Total domestic deposits to total assets | 89.2997% | 1,367 |
| Equity capital to assets | 3.7247% | 7,816 |
| Core capital (leverage) ratio | 3.7412% | 7,796 |
| Tier 1 risk-based capital ratio | 4.6576% | 7,821 |
| Total risk-based capital ratio | 5.9402% | 7,822 |
| Memoranda: | ||
| Average total assets | $345,917,500 | 1,978 |
| Average earning assets | $295,531,000 | 2,111 |
| Average equity | $13,178,000 | 4,436 |
| Average total loans | $250,185,500 | 1,867 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8677% | 2,381 |
| Cost of funding earning assets | 2.2052% | 2,005 |
| Net interest margin | 3.6626% | 4,297 |
| Noninterest income to average assets | -0.8656% | 7,979 |
| Noninterest expense to average assets | 3.4240% | 2,602 |
| Loan and lease loss provision to assets | 3.8844% | 363 |
| Net operating income to assets | -4.8846% | 7,730 |
| Return on assets (ROA) | -5.6217% | 7,800 |
| Pretax return on assets | -5.7585% | 7,783 |
| Return on Equity (ROE) | -79.6762% | 7,862 |
| Retained earnings to average equity (ytd only) | -79.6762% | 7,858 |
| Net charge-offs to loans | 3.8147% | 457 |
| Credit loss provision to net charge-offs | 141.2614% | 3,433 |
| Earnings coverage of net charge-offs (x) | -0.4080% | 6,635 |
| Efficiency ratio | 148.4406% | 321 |
| Assets per employee ($millions) | 4.5071% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0990% | 337 |
| Loan loss allowance to noncurrent loans | 45.9587% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 9.1450% | 438 |
| Noncurrent loans to loans | 8.9189% | 512 |
| Net loans and leases to total assets | 66.5202% | 4,031 |
| Net loans and leases to deposits | 76.2431% | 4,698 |
| Net loans and leases to core deposits | 103.5756% | 3,618 |
| Total domestic deposits to total assets | 87.2475% | 2,357 |
| Equity capital to assets | 3.8836% | 7,866 |
| Core capital (leverage) ratio | 3.9537% | 7,849 |
| Tier 1 risk-based capital ratio | 5.2288% | 7,857 |
| Total risk-based capital ratio | 6.5082% | 7,857 |
| Memoranda: | ||
| Average total assets | $395,557,400 | 1,738 |
| Average earning assets | $342,107,800 | 1,826 |
| Average equity | $27,909,200 | 2,382 |
| Average total loans | $285,131,400 | 1,683 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0181% | 1,958 |
| Cost of funding earning assets | 2.2917% | 2,009 |
| Net interest margin | 3.7263% | 3,967 |
| Noninterest income to average assets | 0.3708% | 5,546 |
| Noninterest expense to average assets | 3.8120% | 1,571 |
| Loan and lease loss provision to assets | 2.0402% | 878 |
| Net operating income to assets | -3.0732% | 7,605 |
| Return on assets (ROA) | -3.9954% | 7,754 |
| Pretax return on assets | -3.1786% | 7,546 |
| Return on Equity (ROE) | -51.3243% | 7,841 |
| Retained earnings to average equity (ytd only) | -51.3243% | 7,836 |
| Net charge-offs to loans | 2.9856% | 561 |
| Credit loss provision to net charge-offs | 93.9811% | 5,374 |
| Earnings coverage of net charge-offs (x) | -0.0996% | 6,179 |
| Efficiency ratio | 105.7641% | 862 |
| Assets per employee ($millions) | 4.4209% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0688% | 1,652 |
| Loan loss allowance to noncurrent loans | 47.6574% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 6.7602% | 726 |
| Noncurrent loans to loans | 4.3410% | 1,641 |
| Net loans and leases to total assets | 69.2303% | 3,664 |
| Net loans and leases to deposits | 81.4053% | 4,130 |
| Net loans and leases to core deposits | 108.1378% | 3,453 |
| Total domestic deposits to total assets | 85.0440% | 3,214 |
| Equity capital to assets | 6.1885% | 7,821 |
| Core capital (leverage) ratio | 6.2636% | 7,741 |
| Tier 1 risk-based capital ratio | 7.9254% | 7,802 |
| Total risk-based capital ratio | 9.1829% | 7,814 |
| Memoranda: | ||
| Average total assets | $402,051,500 | 1,720 |
| Average earning assets | $347,966,250 | 1,806 |
| Average equity | $31,298,250 | 2,163 |
| Average total loans | $292,325,750 | 1,662 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0748% | 1,881 |
| Cost of funding earning assets | 2.3801% | 2,047 |
| Net interest margin | 3.6947% | 3,967 |
| Noninterest income to average assets | 0.3531% | 5,674 |
| Noninterest expense to average assets | 4.0205% | 1,285 |
| Loan and lease loss provision to assets | 2.5263% | 615 |
| Net operating income to assets | -1.6418% | 7,306 |
| Return on assets (ROA) | -2.2802% | 7,501 |
| Pretax return on assets | -3.9925% | 7,748 |
| Return on Equity (ROE) | -27.5172% | 7,675 |
| Retained earnings to average equity (ytd only) | -27.5172% | 7,648 |
| Net charge-offs to loans | 3.6472% | 414 |
| Credit loss provision to net charge-offs | 94.4455% | 4,789 |
| Earnings coverage of net charge-offs (x) | -0.1753% | 5,866 |
| Efficiency ratio | 112.8262% | 781 |
| Assets per employee ($millions) | 4.8483% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0038% | 1,558 |
| Loan loss allowance to noncurrent loans | 52.0630% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 6.0890% | 792 |
| Noncurrent loans to loans | 3.8489% | 1,766 |
| Net loans and leases to total assets | 69.4652% | 3,828 |
| Net loans and leases to deposits | 83.0048% | 4,041 |
| Net loans and leases to core deposits | 113.0662% | 3,012 |
| Total domestic deposits to total assets | 83.6882% | 3,923 |
| Equity capital to assets | 7.7823% | 7,001 |
| Core capital (leverage) ratio | 6.9317% | 7,581 |
| Tier 1 risk-based capital ratio | 8.4217% | 7,856 |
| Total risk-based capital ratio | 9.6779% | 7,889 |
| Memoranda: | ||
| Average total assets | $407,863,330 | 1,724 |
| Average earning assets | $353,100,330 | 1,803 |
| Average equity | $33,797,000 | 2,006 |
| Average total loans | $299,135,670 | 1,655 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1975% | 1,611 |
| Cost of funding earning assets | 2.3923% | 2,324 |
| Net interest margin | 3.8052% | 3,423 |
| Noninterest income to average assets | 0.3312% | 5,801 |
| Noninterest expense to average assets | 3.1350% | 3,245 |
| Loan and lease loss provision to assets | 0.9469% | 1,375 |
| Net operating income to assets | -0.2185% | 6,583 |
| Return on assets (ROA) | -0.1948% | 6,632 |
| Pretax return on assets | -0.3946% | 6,740 |
| Return on Equity (ROE) | -2.2833% | 6,694 |
| Retained earnings to average equity (ytd only) | -2.2833% | 6,153 |
| Net charge-offs to loans | 0.7645% | 1,677 |
| Credit loss provision to net charge-offs | 166.1538% | 2,576 |
| Earnings coverage of net charge-offs (x) | 0.9043% | 4,313 |
| Efficiency ratio | 85.4550% | 2,136 |
| Assets per employee ($millions) | 4.5997% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1059% | 1,223 |
| Loan loss allowance to noncurrent loans | 30.3688% | 6,525 |
| Noncurrent assets plus other real estate owned to assets | 5.9904% | 662 |
| Noncurrent loans to loans | 6.9345% | 585 |
| Net loans and leases to total assets | 74.4134% | 2,646 |
| Net loans and leases to deposits | 92.7338% | 2,478 |
| Net loans and leases to core deposits | 143.0581% | 968 |
| Total domestic deposits to total assets | 80.2441% | 5,263 |
| Equity capital to assets | 8.7254% | 5,728 |
| Core capital (leverage) ratio | 8.9549% | 4,787 |
| Tier 1 risk-based capital ratio | 10.2321% | 6,676 |
| Total risk-based capital ratio | 11.4897% | 6,585 |
| Memoranda: | ||
| Average total assets | $410,588,500 | 1,723 |
| Average earning assets | $358,142,500 | 1,794 |
| Average equity | $35,037,000 | 1,944 |
| Average total loans | $306,077,000 | 1,633 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0698% | 970 |
| Cost of funding earning assets | 3.0538% | 1,667 |
| Net interest margin | 4.0160% | 3,045 |
| Noninterest income to average assets | 1.1359% | 1,208 |
| Noninterest expense to average assets | 3.2738% | 3,060 |
| Loan and lease loss provision to assets | 1.6143% | 808 |
| Net operating income to assets | 0.2356% | 5,741 |
| Return on assets (ROA) | -1.0784% | 7,213 |
| Pretax return on assets | -2.2348% | 7,516 |
| Return on Equity (ROE) | -11.7980% | 7,415 |
| Retained earnings to average equity (ytd only) | -13.4351% | 7,366 |
| Net charge-offs to loans | 1.5403% | 748 |
| Credit loss provision to net charge-offs | 142.0081% | 3,731 |
| Earnings coverage of net charge-offs (x) | 1.2602% | 5,501 |
| Efficiency ratio | 69.2470% | 4,489 |
| Assets per employee ($millions) | 5.4676% | 1,480 |
| Cash dividends to net income (ytd only)* | -13.8764% | 7,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9544% | 1,312 |
| Loan loss allowance to noncurrent loans | 25.5475% | 6,973 |
| Noncurrent assets plus other real estate owned to assets | 6.0781% | 485 |
| Noncurrent loans to loans | 7.6502% | 370 |
| Net loans and leases to total assets | 71.7206% | 3,647 |
| Net loans and leases to deposits | 88.4225% | 3,734 |
| Net loans and leases to core deposits | 132.3937% | 1,698 |
| Total domestic deposits to total assets | 81.1113% | 4,590 |
| Equity capital to assets | 8.3508% | 6,343 |
| Core capital (leverage) ratio | 8.7306% | 5,147 |
| Tier 1 risk-based capital ratio | 10.0894% | 6,630 |
| Total risk-based capital ratio | 11.3451% | 6,501 |
| Memoranda: | ||
| Average total assets | $433,679,400 | 1,570 |
| Average earning assets | $385,586,400 | 1,609 |
| Average equity | $39,642,400 | 1,701 |
| Average total loans | $320,059,800 | 1,516 |