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Peninsula Bank, Performance and Condition Ratios
| 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 | 3.3232% | 7,748 |
| Cost of funding earning assets | 3.1064% | 39 |
| Net interest margin | 0.2168% | 7,912 |
| Noninterest income to average assets | 7.4912% | 92 |
| Noninterest expense to average assets | 3.4605% | 2,079 |
| Loan and lease loss provision to assets | 9.9751% | 30 |
| Net operating income to assets | -2.5016% | 7,558 |
| Return on assets (ROA) | -2.4017% | 7,542 |
| Pretax return on assets | -5.6010% | 7,792 |
| Return on Equity (ROE) | 1,366.5609% | 3 |
| Retained earnings to average equity (ytd only) | 1,366.5609% | 3 |
| Net charge-offs to loans | 0.6974% | 2,101 |
| Credit loss provision to net charge-offs | 2,214.7100% | 234 |
| Earnings coverage of net charge-offs (x) | 9.3649% | 1,864 |
| Efficiency ratio | 45.0676% | 7,588 |
| Assets per employee ($millions) | 4.5665% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9535% | 40 |
| Loan loss allowance to noncurrent loans | 19.7018% | 7,027 |
| Noncurrent assets plus other real estate owned to assets | 31.6051% | 8 |
| Noncurrent loans to loans | 40.3695% | 8 |
| Net loans and leases to total assets | 58.8903% | 5,298 |
| Net loans and leases to deposits | 63.9697% | 6,051 |
| Net loans and leases to core deposits | 69.8215% | 5,935 |
| Total domestic deposits to total assets | 92.0596% | 228 |
| Equity capital to assets | -0.3315% | 7,923 |
| Core capital (leverage) ratio | -1.5319% | 7,927 |
| Tier 1 risk-based capital ratio | -2.0401% | 7,927 |
| Total risk-based capital ratio | -2.0401% | 7,927 |
| Memoranda: | ||
| Average total assets | $627,886,500 | 1,100 |
| Average earning assets | $542,488,500 | 1,163 |
| Average equity | $-1,103,500 | 7,930 |
| Average total loans | $405,506,000 | 1,167 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6153% | 7,263 |
| Cost of funding earning assets | 3.4735% | 48 |
| Net interest margin | 1.1418% | 7,911 |
| Noninterest income to average assets | 0.2346% | 6,433 |
| Noninterest expense to average assets | 4.7102% | 644 |
| Loan and lease loss provision to assets | 4.8304% | 213 |
| Net operating income to assets | -7.6526% | 7,921 |
| Return on assets (ROA) | -7.6031% | 7,911 |
| Pretax return on assets | -8.2293% | 7,926 |
| Return on Equity (ROE) | -150.4168% | 7,988 |
| Retained earnings to average equity (ytd only) | -150.4168% | 7,988 |
| Net charge-offs to loans | 5.5468% | 201 |
| Credit loss provision to net charge-offs | 125.3613% | 4,172 |
| Earnings coverage of net charge-offs (x) | -0.8961% | 6,860 |
| Efficiency ratio | 374.5771% | 49 |
| Assets per employee ($millions) | 4.5664% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1971% | 315 |
| Loan loss allowance to noncurrent loans | 14.7773% | 7,272 |
| Noncurrent assets plus other real estate owned to assets | 23.8233% | 28 |
| Noncurrent loans to loans | 28.4022% | 22 |
| Net loans and leases to total assets | 62.4549% | 4,903 |
| Net loans and leases to deposits | 69.6722% | 5,648 |
| Net loans and leases to core deposits | 112.8716% | 2,613 |
| Total domestic deposits to total assets | 89.6410% | 1,136 |
| Equity capital to assets | -0.0189% | 7,997 |
| Core capital (leverage) ratio | 0.3536% | 7,993 |
| Tier 1 risk-based capital ratio | 0.4767% | 7,993 |
| Total risk-based capital ratio | 0.9535% | 7,993 |
| Memoranda: | ||
| Average total assets | $639,372,800 | 1,083 |
| Average earning assets | $572,796,400 | 1,103 |
| Average equity | $32,318,200 | 2,071 |
| Average total loans | $444,149,000 | 1,078 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9376% | 6,800 |
| Cost of funding earning assets | 3.5402% | 58 |
| Net interest margin | 1.3974% | 7,968 |
| Noninterest income to average assets | 0.2954% | 6,115 |
| Noninterest expense to average assets | 2.8289% | 4,767 |
| Loan and lease loss provision to assets | 4.1410% | 276 |
| Net operating income to assets | -3.3573% | 7,664 |
| Return on assets (ROA) | -3.3535% | 7,667 |
| Pretax return on assets | -5.4112% | 7,856 |
| Return on Equity (ROE) | -53.3224% | 7,857 |
| Retained earnings to average equity (ytd only) | -53.3224% | 7,850 |
| Net charge-offs to loans | 3.3092% | 479 |
| Credit loss provision to net charge-offs | 177.4824% | 2,601 |
| Earnings coverage of net charge-offs (x) | -0.5470% | 6,487 |
| Efficiency ratio | 182.1934% | 192 |
| Assets per employee ($millions) | 4.8589% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5477% | 205 |
| Loan loss allowance to noncurrent loans | 16.8681% | 7,247 |
| Noncurrent assets plus other real estate owned to assets | 22.6590% | 31 |
| Noncurrent loans to loans | 26.9605% | 23 |
| Net loans and leases to total assets | 63.6075% | 4,950 |
| Net loans and leases to deposits | 75.0876% | 5,198 |
| Net loans and leases to core deposits | 117.2298% | 2,504 |
| Total domestic deposits to total assets | 84.7110% | 3,368 |
| Equity capital to assets | 5.1513% | 7,938 |
| Core capital (leverage) ratio | 4.3068% | 7,960 |
| Tier 1 risk-based capital ratio | 5.3862% | 7,981 |
| Total risk-based capital ratio | 6.6678% | 7,985 |
| Memoranda: | ||
| Average total assets | $642,817,500 | 1,092 |
| Average earning assets | $578,403,000 | 1,103 |
| Average equity | $40,427,250 | 1,670 |
| Average total loans | $453,228,500 | 1,079 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0744% | 6,533 |
| Cost of funding earning assets | 3.6411% | 69 |
| Net interest margin | 1.4333% | 8,031 |
| Noninterest income to average assets | 0.2235% | 6,694 |
| Noninterest expense to average assets | 3.0654% | 3,826 |
| Loan and lease loss provision to assets | 4.9610% | 210 |
| Net operating income to assets | -4.0637% | 7,844 |
| Return on assets (ROA) | -4.0023% | 7,824 |
| Pretax return on assets | -6.4079% | 7,975 |
| Return on Equity (ROE) | -59.9953% | 7,972 |
| Retained earnings to average equity (ytd only) | -59.9953% | 7,966 |
| Net charge-offs to loans | 2.1686% | 849 |
| Credit loss provision to net charge-offs | 318.5949% | 1,462 |
| Earnings coverage of net charge-offs (x) | -0.9908% | 6,227 |
| Efficiency ratio | 201.3306% | 196 |
| Assets per employee ($millions) | 4.8698% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7553% | 148 |
| Loan loss allowance to noncurrent loans | 29.4964% | 6,525 |
| Noncurrent assets plus other real estate owned to assets | 13.5761% | 133 |
| Noncurrent loans to loans | 16.1218% | 110 |
| Net loans and leases to total assets | 68.4096% | 4,082 |
| Net loans and leases to deposits | 81.9113% | 4,238 |
| Net loans and leases to core deposits | 127.0816% | 1,777 |
| Total domestic deposits to total assets | 83.5167% | 4,006 |
| Equity capital to assets | 5.4842% | 8,005 |
| Core capital (leverage) ratio | 4.7407% | 8,041 |
| Tier 1 risk-based capital ratio | 5.6328% | 8,073 |
| Total risk-based capital ratio | 6.9195% | 8,078 |
| Memoranda: | ||
| Average total assets | $641,680,330 | 1,117 |
| Average earning assets | $581,587,000 | 1,120 |
| Average equity | $42,806,670 | 1,594 |
| Average total loans | $460,760,000 | 1,081 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3170% | 1,247 |
| Cost of funding earning assets | 3.6659% | 97 |
| Net interest margin | 2.6512% | 7,296 |
| Noninterest income to average assets | 0.2847% | 6,158 |
| Noninterest expense to average assets | 2.4141% | 6,145 |
| Loan and lease loss provision to assets | 0.6191% | 2,038 |
| Net operating income to assets | -0.2190% | 6,584 |
| Return on assets (ROA) | -0.1386% | 6,570 |
| Pretax return on assets | -0.2163% | 6,590 |
| Return on Equity (ROE) | -1.9094% | 6,646 |
| Retained earnings to average equity (ytd only) | -1.9094% | 6,082 |
| Net charge-offs to loans | 0.0372% | 4,988 |
| Credit loss provision to net charge-offs | 2,316.2791% | 282 |
| Earnings coverage of net charge-offs (x) | 10.3721% | 1,959 |
| Efficiency ratio | 89.6998% | 1,745 |
| Assets per employee ($millions) | 4.7432% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5498% | 726 |
| Loan loss allowance to noncurrent loans | 18.6670% | 7,236 |
| Noncurrent assets plus other real estate owned to assets | 12.4826% | 133 |
| Noncurrent loans to loans | 13.6591% | 127 |
| Net loans and leases to total assets | 71.6229% | 3,318 |
| Net loans and leases to deposits | 87.3233% | 3,416 |
| Net loans and leases to core deposits | 155.0930% | 578 |
| Total domestic deposits to total assets | 82.0204% | 4,539 |
| Equity capital to assets | 7.2621% | 7,516 |
| Core capital (leverage) ratio | 7.6080% | 7,018 |
| Tier 1 risk-based capital ratio | 8.5540% | 7,935 |
| Total risk-based capital ratio | 9.8146% | 7,974 |
| Memoranda: | ||
| Average total assets | $643,551,500 | 1,109 |
| Average earning assets | $584,197,000 | 1,118 |
| Average equity | $46,717,000 | 1,478 |
| Average total loans | $462,040,000 | 1,086 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8808% | 1,460 |
| Cost of funding earning assets | 3.9591% | 112 |
| Net interest margin | 2.9216% | 7,102 |
| Noninterest income to average assets | 0.1794% | 7,154 |
| Noninterest expense to average assets | 2.5196% | 5,935 |
| Loan and lease loss provision to assets | 1.6136% | 809 |
| Net operating income to assets | -0.8916% | 7,181 |
| Return on assets (ROA) | -0.8586% | 7,082 |
| Pretax return on assets | -1.2193% | 7,126 |
| Return on Equity (ROE) | -10.0568% | 7,285 |
| Retained earnings to average equity (ytd only) | -12.2742% | 7,264 |
| Net charge-offs to loans | 0.8021% | 1,555 |
| Credit loss provision to net charge-offs | 283.8231% | 1,602 |
| Earnings coverage of net charge-offs (x) | 0.6106% | 5,856 |
| Efficiency ratio | 87.8911% | 1,687 |
| Assets per employee ($millions) | 4.8254% | 2,147 |
| Cash dividends to net income (ytd only)* | -22.0480% | 7,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3606% | 790 |
| Loan loss allowance to noncurrent loans | 32.8855% | 6,532 |
| Noncurrent assets plus other real estate owned to assets | 7.0943% | 360 |
| Noncurrent loans to loans | 7.1783% | 411 |
| Net loans and leases to total assets | 68.5034% | 4,369 |
| Net loans and leases to deposits | 84.9943% | 4,254 |
| Net loans and leases to core deposits | 159.6493% | 582 |
| Total domestic deposits to total assets | 80.5977% | 4,807 |
| Equity capital to assets | 7.2565% | 7,585 |
| Core capital (leverage) ratio | 8.2111% | 6,147 |
| Tier 1 risk-based capital ratio | 8.9702% | 7,801 |
| Total risk-based capital ratio | 10.2296% | 7,795 |
| Memoranda: | ||
| Average total assets | $616,491,800 | 1,091 |
| Average earning assets | $567,044,200 | 1,089 |
| Average equity | $52,630,800 | 1,280 |
| Average total loans | $436,984,600 | 1,097 |