Home > Rainier Pacific Bank > Performance and Condition Ratios
Rainier Pacific Bank, Performance and Condition Ratios
| 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 | 5.8801% | 2,322 |
| Cost of funding earning assets | 2.9239% | 284 |
| Net interest margin | 2.9562% | 6,738 |
| Noninterest income to average assets | 1.3279% | 847 |
| Noninterest expense to average assets | 3.5199% | 2,328 |
| Loan and lease loss provision to assets | 1.8344% | 1,230 |
| Net operating income to assets | -3.1765% | 7,442 |
| Return on assets (ROA) | -8.6066% | 7,948 |
| Pretax return on assets | -6.8654% | 7,859 |
| Return on Equity (ROE) | -318.1638% | 8,008 |
| Retained earnings to average equity (ytd only) | -318.1638% | 8,008 |
| Net charge-offs to loans | 2.8996% | 746 |
| Credit loss provision to net charge-offs | 82.3899% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.1792% | 5,975 |
| Efficiency ratio | 88.7247% | 1,821 |
| Assets per employee ($millions) | 3.7581% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8058% | 2,523 |
| Loan loss allowance to noncurrent loans | 57.3237% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 6.0487% | 932 |
| Noncurrent loans to loans | 3.1501% | 2,435 |
| Net loans and leases to total assets | 77.1731% | 1,554 |
| Net loans and leases to deposits | 124.1513% | 128 |
| Net loans and leases to core deposits | 159.5735% | 348 |
| Total domestic deposits to total assets | 62.1605% | 7,754 |
| Equity capital to assets | -1.5443% | 8,004 |
| Core capital (leverage) ratio | 1.6864% | 7,963 |
| Tier 1 risk-based capital ratio | 1.5475% | 7,979 |
| Total risk-based capital ratio | 2.7978% | 7,980 |
| Memoranda: | ||
| Average total assets | $801,349,400 | 857 |
| Average earning assets | $702,381,600 | 890 |
| Average equity | $21,677,200 | 2,990 |
| Average total loans | $615,321,400 | 761 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8906% | 2,491 |
| Cost of funding earning assets | 2.9611% | 371 |
| Net interest margin | 2.9295% | 6,781 |
| Noninterest income to average assets | 1.6814% | 520 |
| Noninterest expense to average assets | 3.5424% | 2,163 |
| Loan and lease loss provision to assets | 1.9459% | 939 |
| Net operating income to assets | -1.7542% | 7,216 |
| Return on assets (ROA) | -6.9990% | 7,977 |
| Pretax return on assets | -6.4885% | 7,939 |
| Return on Equity (ROE) | -192.6757% | 8,071 |
| Retained earnings to average equity (ytd only) | -192.6757% | 8,071 |
| Net charge-offs to loans | 3.3212% | 473 |
| Credit loss provision to net charge-offs | 76.6969% | 5,846 |
| Earnings coverage of net charge-offs (x) | 0.2767% | 5,732 |
| Efficiency ratio | 82.4572% | 2,513 |
| Assets per employee ($millions) | 3.8762% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6578% | 2,776 |
| Loan loss allowance to noncurrent loans | 46.4190% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 6.4685% | 779 |
| Noncurrent loans to loans | 3.5714% | 2,093 |
| Net loans and leases to total assets | 75.2227% | 2,185 |
| Net loans and leases to deposits | 122.5736% | 164 |
| Net loans and leases to core deposits | 155.6918% | 465 |
| Total domestic deposits to total assets | 61.3695% | 7,841 |
| Equity capital to assets | 1.5267% | 8,067 |
| Core capital (leverage) ratio | 3.0430% | 8,026 |
| Tier 1 risk-based capital ratio | 2.7066% | 8,051 |
| Total risk-based capital ratio | 3.7913% | 8,055 |
| Memoranda: | ||
| Average total assets | $822,235,250 | 836 |
| Average earning assets | $719,410,000 | 879 |
| Average equity | $29,867,750 | 2,264 |
| Average total loans | $628,116,750 | 761 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9534% | 2,369 |
| Cost of funding earning assets | 3.0299% | 428 |
| Net interest margin | 2.9235% | 6,748 |
| Noninterest income to average assets | 1.9136% | 401 |
| Noninterest expense to average assets | 3.4529% | 2,488 |
| Loan and lease loss provision to assets | 1.4968% | 1,144 |
| Net operating income to assets | -0.3070% | 6,328 |
| Return on assets (ROA) | -1.9452% | 7,408 |
| Pretax return on assets | -2.9214% | 7,555 |
| Return on Equity (ROE) | -45.5622% | 7,891 |
| Retained earnings to average equity (ytd only) | -45.5622% | 7,882 |
| Net charge-offs to loans | 2.4611% | 712 |
| Credit loss provision to net charge-offs | 79.6460% | 5,212 |
| Earnings coverage of net charge-offs (x) | 0.5430% | 5,165 |
| Efficiency ratio | 76.2163% | 3,649 |
| Assets per employee ($millions) | 3.9660% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9030% | 1,784 |
| Loan loss allowance to noncurrent loans | 36.8638% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 5.9789% | 812 |
| Noncurrent loans to loans | 5.1621% | 1,166 |
| Net loans and leases to total assets | 73.5867% | 2,817 |
| Net loans and leases to deposits | 122.1240% | 197 |
| Net loans and leases to core deposits | 155.6735% | 531 |
| Total domestic deposits to total assets | 60.2558% | 7,928 |
| Equity capital to assets | 4.9851% | 8,040 |
| Core capital (leverage) ratio | 7.9396% | 6,432 |
| Tier 1 risk-based capital ratio | 6.3017% | 8,043 |
| Total risk-based capital ratio | 7.4327% | 8,058 |
| Memoranda: | ||
| Average total assets | $841,779,330 | 837 |
| Average earning assets | $737,058,330 | 869 |
| Average equity | $35,937,670 | 1,896 |
| Average total loans | $642,793,670 | 766 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1319% | 1,822 |
| Cost of funding earning assets | 3.1375% | 410 |
| Net interest margin | 2.9945% | 6,493 |
| Noninterest income to average assets | 2.5304% | 249 |
| Noninterest expense to average assets | 3.2847% | 2,706 |
| Loan and lease loss provision to assets | 1.0796% | 1,214 |
| Net operating income to assets | 0.5434% | 4,247 |
| Return on assets (ROA) | -2.1244% | 7,691 |
| Pretax return on assets | -3.1908% | 7,787 |
| Return on Equity (ROE) | -54.1323% | 8,064 |
| Retained earnings to average equity (ytd only) | -54.1323% | 8,046 |
| Net charge-offs to loans | 4.3720% | 265 |
| Credit loss provision to net charge-offs | 32.0647% | 4,922 |
| Earnings coverage of net charge-offs (x) | 0.5556% | 4,551 |
| Efficiency ratio | 62.7606% | 5,917 |
| Assets per employee ($millions) | 4.0649% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 3,957 |
| Loan loss allowance to noncurrent loans | 43.7455% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 2.9634% | 1,906 |
| Noncurrent loans to loans | 3.0190% | 2,164 |
| Net loans and leases to total assets | 73.6636% | 2,848 |
| Net loans and leases to deposits | 122.6717% | 241 |
| Net loans and leases to core deposits | 167.0669% | 393 |
| Total domestic deposits to total assets | 60.0494% | 7,966 |
| Equity capital to assets | 4.4675% | 8,145 |
| Core capital (leverage) ratio | 8.4914% | 5,557 |
| Tier 1 risk-based capital ratio | 6.6608% | 8,116 |
| Total risk-based capital ratio | 7.4542% | 8,139 |
| Memoranda: | ||
| Average total assets | $852,192,000 | 825 |
| Average earning assets | $746,975,000 | 856 |
| Average equity | $33,444,000 | 2,027 |
| Average total loans | $656,274,500 | 756 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6244% | 2,374 |
| Cost of funding earning assets | 3.3655% | 772 |
| Net interest margin | 3.2588% | 6,184 |
| Noninterest income to average assets | 1.0857% | 1,337 |
| Noninterest expense to average assets | 3.1506% | 3,510 |
| Loan and lease loss provision to assets | 0.8116% | 1,833 |
| Net operating income to assets | 0.0455% | 6,245 |
| Return on assets (ROA) | -1.6123% | 7,458 |
| Pretax return on assets | -2.4495% | 7,578 |
| Return on Equity (ROE) | -21.3260% | 7,787 |
| Retained earnings to average equity (ytd only) | -24.7656% | 7,801 |
| Net charge-offs to loans | 0.2657% | 3,630 |
| Credit loss provision to net charge-offs | 400.0000% | 1,094 |
| Earnings coverage of net charge-offs (x) | 4.3074% | 4,034 |
| Efficiency ratio | 77.3313% | 3,030 |
| Assets per employee ($millions) | 3.7968% | 3,965 |
| Cash dividends to net income (ytd only)* | -16.1286% | 7,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9827% | 1,257 |
| Loan loss allowance to noncurrent loans | 54.3066% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 3.7015% | 1,169 |
| Noncurrent loans to loans | 3.6509% | 1,383 |
| Net loans and leases to total assets | 77.8273% | 2,189 |
| Net loans and leases to deposits | 125.9877% | 268 |
| Net loans and leases to core deposits | 183.9364% | 251 |
| Total domestic deposits to total assets | 61.7737% | 7,896 |
| Equity capital to assets | 3.3743% | 8,271 |
| Core capital (leverage) ratio | 7.2935% | 7,425 |
| Tier 1 risk-based capital ratio | 7.5785% | 8,128 |
| Total risk-based capital ratio | 8.8333% | 8,152 |
| Memoranda: | ||
| Average total assets | $862,537,600 | 786 |
| Average earning assets | $777,826,600 | 795 |
| Average equity | $65,211,400 | 1,028 |
| Average total loans | $658,625,200 | 719 |