Home > Pierce Commercial Bank > Performance and Condition Ratios
Pierce Commercial Bank, Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6019% | 6,330 |
| Cost of funding earning assets | 1.6582% | 2,053 |
| Net interest margin | 2.9437% | 6,938 |
| Noninterest income to average assets | 0.0604% | 7,225 |
| Noninterest expense to average assets | 3.6281% | 1,723 |
| Loan and lease loss provision to assets | 2.0575% | 573 |
| Net operating income to assets | -4.4936% | 7,612 |
| Return on assets (ROA) | -4.4936% | 7,623 |
| Pretax return on assets | -2.8458% | 7,386 |
| Return on Equity (ROE) | -147.8412% | 7,727 |
| Retained earnings to average equity (ytd only) | -147.8412% | 7,727 |
| Net charge-offs to loans | 2.3333% | 754 |
| Credit loss provision to net charge-offs | 118.9682% | 3,482 |
| Earnings coverage of net charge-offs (x) | -0.4558% | 6,308 |
| Efficiency ratio | 127.7586% | 317 |
| Assets per employee ($millions) | 7.6235% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9999% | 171 |
| Loan loss allowance to noncurrent loans | 63.6370% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 6.4741% | 884 |
| Noncurrent loans to loans | 7.8568% | 672 |
| Net loans and leases to total assets | 73.7138% | 1,859 |
| Net loans and leases to deposits | 84.2329% | 2,662 |
| Net loans and leases to core deposits | 88.4648% | 3,315 |
| Total domestic deposits to total assets | 87.5119% | 2,255 |
| Equity capital to assets | 2.0499% | 7,723 |
| Core capital (leverage) ratio | 1.9722% | 7,719 |
| Tier 1 risk-based capital ratio | 2.7891% | 7,716 |
| Total risk-based capital ratio | 4.1338% | 7,714 |
| Memoranda: | ||
| Average total assets | $245,083,250 | 2,632 |
| Average earning assets | $231,406,000 | 2,546 |
| Average equity | $7,449,250 | 5,968 |
| Average total loans | $181,651,500 | 2,375 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 6,622 |
| Cost of funding earning assets | 1.7098% | 2,073 |
| Net interest margin | 2.8256% | 7,111 |
| Noninterest income to average assets | 0.0466% | 7,349 |
| Noninterest expense to average assets | 3.5870% | 1,812 |
| Loan and lease loss provision to assets | 2.9887% | 327 |
| Net operating income to assets | -6.2572% | 7,750 |
| Return on assets (ROA) | -6.2572% | 7,754 |
| Pretax return on assets | -3.8635% | 7,585 |
| Return on Equity (ROE) | -188.0387% | 7,800 |
| Retained earnings to average equity (ytd only) | -188.0387% | 7,800 |
| Net charge-offs to loans | 3.3618% | 444 |
| Credit loss provision to net charge-offs | 121.6077% | 3,331 |
| Earnings coverage of net charge-offs (x) | -0.3559% | 5,956 |
| Efficiency ratio | 132.2552% | 302 |
| Assets per employee ($millions) | 8.2416% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0070% | 172 |
| Loan loss allowance to noncurrent loans | 59.8961% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 6.5710% | 847 |
| Noncurrent loans to loans | 8.3595% | 605 |
| Net loans and leases to total assets | 68.6305% | 3,213 |
| Net loans and leases to deposits | 77.9363% | 3,975 |
| Net loans and leases to core deposits | 84.8403% | 4,013 |
| Total domestic deposits to total assets | 88.0597% | 1,968 |
| Equity capital to assets | 2.0205% | 7,790 |
| Core capital (leverage) ratio | 1.9388% | 7,781 |
| Tier 1 risk-based capital ratio | 2.9468% | 7,775 |
| Total risk-based capital ratio | 4.2936% | 7,774 |
| Memoranda: | ||
| Average total assets | $253,083,670 | 2,571 |
| Average earning assets | $238,741,670 | 2,492 |
| Average equity | $8,421,670 | 5,653 |
| Average total loans | $185,020,330 | 2,362 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 6,622 |
| Cost of funding earning assets | 1.7429% | 2,166 |
| Net interest margin | 2.8320% | 7,135 |
| Noninterest income to average assets | 0.1415% | 6,964 |
| Noninterest expense to average assets | 3.9812% | 1,058 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.1687% | 7,203 |
| Return on assets (ROA) | -1.1687% | 7,220 |
| Pretax return on assets | -1.1687% | 7,131 |
| Return on Equity (ROE) | -29.7514% | 7,566 |
| Retained earnings to average equity (ytd only) | -29.7514% | 7,537 |
| Net charge-offs to loans | 3.0378% | 505 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.5234% | 5,288 |
| Efficiency ratio | 141.5528% | 246 |
| Assets per employee ($millions) | 8.9011% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5020% | 548 |
| Loan loss allowance to noncurrent loans | 51.6881% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 5.7180% | 1,068 |
| Noncurrent loans to loans | 6.7752% | 902 |
| Net loans and leases to total assets | 69.6216% | 3,027 |
| Net loans and leases to deposits | 80.8529% | 3,486 |
| Net loans and leases to core deposits | 89.8009% | 3,386 |
| Total domestic deposits to total assets | 86.1090% | 3,089 |
| Equity capital to assets | 4.3369% | 7,769 |
| Core capital (leverage) ratio | 3.1846% | 7,832 |
| Tier 1 risk-based capital ratio | 4.6033% | 7,825 |
| Total risk-based capital ratio | 5.9317% | 7,824 |
| Memoranda: | ||
| Average total assets | $260,122,500 | 2,558 |
| Average earning assets | $245,343,000 | 2,493 |
| Average equity | $10,218,000 | 5,172 |
| Average total loans | $191,192,000 | 2,357 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3158% | 5,099 |
| Cost of funding earning assets | 2.0132% | 2,903 |
| Net interest margin | 3.3026% | 5,733 |
| Noninterest income to average assets | 3.1033% | 219 |
| Noninterest expense to average assets | 10.8912% | 91 |
| Loan and lease loss provision to assets | 4.6902% | 239 |
| Net operating income to assets | -7.3699% | 7,912 |
| Return on assets (ROA) | -7.3428% | 7,902 |
| Pretax return on assets | -9.2895% | 7,956 |
| Return on Equity (ROE) | -92.0322% | 7,908 |
| Retained earnings to average equity (ytd only) | -93.4328% | 7,911 |
| Net charge-offs to loans | 3.4618% | 562 |
| Credit loss provision to net charge-offs | 164.2447% | 2,662 |
| Earnings coverage of net charge-offs (x) | -1.6226% | 6,973 |
| Efficiency ratio | 174.0461% | 206 |
| Assets per employee ($millions) | 8.1911% | 472 |
| Cash dividends to net income (ytd only)* | -1.5219% | 7,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0653% | 347 |
| Loan loss allowance to noncurrent loans | 89.3946% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 4.1184% | 1,593 |
| Noncurrent loans to loans | 4.5476% | 1,557 |
| Net loans and leases to total assets | 71.7905% | 2,810 |
| Net loans and leases to deposits | 82.5038% | 3,544 |
| Net loans and leases to core deposits | 130.7674% | 1,237 |
| Total domestic deposits to total assets | 87.0148% | 2,499 |
| Equity capital to assets | 3.5256% | 7,888 |
| Core capital (leverage) ratio | 2.3756% | 7,938 |
| Tier 1 risk-based capital ratio | 3.4756% | 7,929 |
| Total risk-based capital ratio | 4.8105% | 7,928 |
| Memoranda: | ||
| Average total assets | $268,454,200 | 2,436 |
| Average earning assets | $256,404,400 | 2,356 |
| Average equity | $21,418,600 | 3,022 |
| Average total loans | $221,444,600 | 2,091 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3755% | 5,065 |
| Cost of funding earning assets | 2.0505% | 3,117 |
| Net interest margin | 3.3250% | 5,542 |
| Noninterest income to average assets | 4.1282% | 160 |
| Noninterest expense to average assets | 8.3571% | 140 |
| Loan and lease loss provision to assets | 6.2167% | 96 |
| Net operating income to assets | -6.1787% | 7,933 |
| Return on assets (ROA) | -6.1787% | 7,931 |
| Pretax return on assets | -7.2600% | 7,968 |
| Return on Equity (ROE) | -68.2047% | 7,926 |
| Retained earnings to average equity (ytd only) | -69.8398% | 7,930 |
| Net charge-offs to loans | 4.4278% | 294 |
| Credit loss provision to net charge-offs | 166.4595% | 2,823 |
| Earnings coverage of net charge-offs (x) | -0.2793% | 6,345 |
| Efficiency ratio | 114.2645% | 690 |
| Assets per employee ($millions) | 5.6224% | 1,498 |
| Cash dividends to net income (ytd only)* | -2.3973% | 7,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9553% | 308 |
| Loan loss allowance to noncurrent loans | 336.6403% | 908 |
| Noncurrent assets plus other real estate owned to assets | 1.6023% | 3,948 |
| Noncurrent loans to loans | 1.1749% | 4,979 |
| Net loans and leases to total assets | 75.8248% | 2,022 |
| Net loans and leases to deposits | 83.0999% | 3,812 |
| Net loans and leases to core deposits | 124.7003% | 1,840 |
| Total domestic deposits to total assets | 91.2454% | 328 |
| Equity capital to assets | 6.3860% | 7,791 |
| Core capital (leverage) ratio | 5.8330% | 7,829 |
| Tier 1 risk-based capital ratio | 7.5442% | 7,850 |
| Total risk-based capital ratio | 8.8416% | 7,850 |
| Memoranda: | ||
| Average total assets | $270,039,250 | 2,427 |
| Average earning assets | $258,724,000 | 2,351 |
| Average equity | $24,463,000 | 2,695 |
| Average total loans | $227,769,000 | 2,068 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3800% | 5,243 |
| Cost of funding earning assets | 2.1100% | 3,222 |
| Net interest margin | 3.2701% | 5,663 |
| Noninterest income to average assets | 5.2110% | 129 |
| Noninterest expense to average assets | 7.9644% | 162 |
| Loan and lease loss provision to assets | 3.0675% | 490 |
| Net operating income to assets | -1.7828% | 7,357 |
| Return on assets (ROA) | -1.7828% | 7,352 |
| Pretax return on assets | -2.6855% | 7,469 |
| Return on Equity (ROE) | -18.0068% | 7,455 |
| Retained earnings to average equity (ytd only) | -18.7445% | 7,416 |
| Net charge-offs to loans | 1.5881% | 1,191 |
| Credit loss provision to net charge-offs | 224.4789% | 2,051 |
| Earnings coverage of net charge-offs (x) | 0.2795% | 5,395 |
| Efficiency ratio | 95.4235% | 1,413 |
| Assets per employee ($millions) | 2.6971% | 6,840 |
| Cash dividends to net income (ytd only)* | -4.0967% | 7,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3566% | 1,034 |
| Loan loss allowance to noncurrent loans | 77.6270% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 2.8731% | 2,230 |
| Noncurrent loans to loans | 3.0359% | 2,374 |
| Net loans and leases to total assets | 79.4407% | 1,418 |
| Net loans and leases to deposits | 91.1086% | 2,626 |
| Net loans and leases to core deposits | 138.4403% | 1,080 |
| Total domestic deposits to total assets | 87.1934% | 2,150 |
| Equity capital to assets | 9.5363% | 4,562 |
| Core capital (leverage) ratio | 9.8685% | 3,431 |
| Tier 1 risk-based capital ratio | 11.6774% | 5,216 |
| Total risk-based capital ratio | 12.9453% | 5,135 |
| Memoranda: | ||
| Average total assets | $273,842,670 | 2,416 |
| Average earning assets | $262,564,000 | 2,326 |
| Average equity | $27,112,000 | 2,469 |
| Average total loans | $235,631,670 | 2,041 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3962% | 5,446 |
| Cost of funding earning assets | 2.1751% | 3,294 |
| Net interest margin | 3.2210% | 5,792 |
| Noninterest income to average assets | 5.5050% | 124 |
| Noninterest expense to average assets | 7.3327% | 186 |
| Loan and lease loss provision to assets | 0.4436% | 2,705 |
| Net operating income to assets | 0.5264% | 4,306 |
| Return on assets (ROA) | 0.5264% | 4,495 |
| Pretax return on assets | 0.8162% | 4,017 |
| Return on Equity (ROE) | 5.2174% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.2174% | 3,008 |
| Net charge-offs to loans | 0.6234% | 1,930 |
| Credit loss provision to net charge-offs | 80.4290% | 4,182 |
| Earnings coverage of net charge-offs (x) | 2.2842% | 3,593 |
| Efficiency ratio | 85.3382% | 2,152 |
| Assets per employee ($millions) | 2.4067% | 7,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 4,335 |
| Loan loss allowance to noncurrent loans | 47.4641% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 2.2459% | 2,552 |
| Noncurrent loans to loans | 2.6561% | 2,471 |
| Net loans and leases to total assets | 83.4889% | 773 |
| Net loans and leases to deposits | 95.0936% | 2,094 |
| Net loans and leases to core deposits | 141.8089% | 1,020 |
| Total domestic deposits to total assets | 87.7965% | 1,843 |
| Equity capital to assets | 10.6406% | 3,338 |
| Core capital (leverage) ratio | 10.9903% | 2,503 |
| Tier 1 risk-based capital ratio | 12.8470% | 4,295 |
| Total risk-based capital ratio | 14.0979% | 4,213 |
| Memoranda: | ||
| Average total assets | $270,516,000 | 2,457 |
| Average earning assets | $259,295,500 | 2,372 |
| Average equity | $27,293,500 | 2,467 |
| Average total loans | $239,344,500 | 2,028 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1412% | 4,825 |
| Cost of funding earning assets | 2.6976% | 3,166 |
| Net interest margin | 3.4436% | 5,491 |
| Noninterest income to average assets | 7.2300% | 94 |
| Noninterest expense to average assets | 9.0598% | 174 |
| Loan and lease loss provision to assets | 0.3422% | 3,654 |
| Net operating income to assets | 0.7249% | 3,784 |
| Return on assets (ROA) | 0.7986% | 3,276 |
| Pretax return on assets | 1.2328% | 2,537 |
| Return on Equity (ROE) | 8.4320% | 2,874 |
| Retained earnings to average equity (ytd only) | 1.7265% | 4,180 |
| Net charge-offs to loans | 0.2557% | 3,715 |
| Credit loss provision to net charge-offs | 151.2605% | 3,466 |
| Earnings coverage of net charge-offs (x) | 6.4605% | 3,355 |
| Efficiency ratio | 86.1072% | 1,844 |
| Assets per employee ($millions) | 2.2970% | 7,571 |
| Cash dividends to net income (ytd only)* | 79.5238% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 4,073 |
| Loan loss allowance to noncurrent loans | 71.7243% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.6234% | 2,998 |
| Noncurrent loans to loans | 1.7520% | 3,134 |
| Net loans and leases to total assets | 91.4942% | 101 |
| Net loans and leases to deposits | 103.7237% | 1,371 |
| Net loans and leases to core deposits | 154.4876% | 701 |
| Total domestic deposits to total assets | 88.2096% | 1,382 |
| Equity capital to assets | 9.5018% | 4,695 |
| Core capital (leverage) ratio | 9.5660% | 3,918 |
| Tier 1 risk-based capital ratio | 10.6940% | 6,008 |
| Total risk-based capital ratio | 11.9467% | 5,912 |
| Memoranda: | ||
| Average total assets | $262,973,800 | 2,435 |
| Average earning assets | $251,367,000 | 2,361 |
| Average equity | $24,905,200 | 2,647 |
| Average total loans | $232,705,200 | 2,030 |