Home > San Diego National Bank > Performance and Condition Ratios
San Diego 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 | 5.1505% | 6,107 |
| Cost of funding earning assets | 2.0087% | 3,317 |
| Net interest margin | 3.1418% | 6,204 |
| Noninterest income to average assets | 0.1571% | 7,067 |
| Noninterest expense to average assets | 2.2328% | 6,890 |
| Loan and lease loss provision to assets | 4.1482% | 271 |
| Net operating income to assets | -2.0528% | 7,343 |
| Return on assets (ROA) | -2.0319% | 7,330 |
| Pretax return on assets | -3.3331% | 7,578 |
| Return on Equity (ROE) | -49.0810% | 7,824 |
| Retained earnings to average equity (ytd only) | -49.0810% | 7,821 |
| Net charge-offs to loans | 2.6115% | 697 |
| Credit loss provision to net charge-offs | 203.8787% | 2,187 |
| Earnings coverage of net charge-offs (x) | 0.3846% | 5,640 |
| Efficiency ratio | 74.0508% | 3,857 |
| Assets per employee ($millions) | 9.8212% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5573% | 395 |
| Loan loss allowance to noncurrent loans | 50.2021% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 6.4097% | 798 |
| Noncurrent loans to loans | 7.0860% | 756 |
| Net loans and leases to total assets | 66.3220% | 4,350 |
| Net loans and leases to deposits | 82.4454% | 3,928 |
| Net loans and leases to core deposits | 133.3762% | 1,248 |
| Total domestic deposits to total assets | 80.4435% | 5,273 |
| Equity capital to assets | 3.3037% | 8,028 |
| Core capital (leverage) ratio | 0.9894% | 8,072 |
| Tier 1 risk-based capital ratio | 1.3331% | 8,070 |
| Total risk-based capital ratio | 2.6663% | 8,070 |
| Memoranda: | ||
| Average total assets | $3,294,552,750 | 243 |
| Average earning assets | $2,997,101,250 | 238 |
| Average equity | $136,394,250 | 499 |
| Average total loans | $2,566,828,500 | 220 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5207% | 4,505 |
| Cost of funding earning assets | 2.0820% | 3,353 |
| Net interest margin | 3.4387% | 5,034 |
| Noninterest income to average assets | 0.1458% | 7,222 |
| Noninterest expense to average assets | 2.3255% | 6,687 |
| Loan and lease loss provision to assets | 5.1963% | 185 |
| Net operating income to assets | -2.5500% | 7,573 |
| Return on assets (ROA) | -2.5466% | 7,561 |
| Pretax return on assets | -4.2509% | 7,776 |
| Return on Equity (ROE) | -57.1808% | 7,961 |
| Retained earnings to average equity (ytd only) | -57.1808% | 7,958 |
| Net charge-offs to loans | 2.2479% | 799 |
| Credit loss provision to net charge-offs | 284.1882% | 1,649 |
| Earnings coverage of net charge-offs (x) | 0.5142% | 5,190 |
| Efficiency ratio | 71.2103% | 4,557 |
| Assets per employee ($millions) | 9.0310% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5300% | 370 |
| Loan loss allowance to noncurrent loans | 118.5159% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 3.6251% | 1,705 |
| Noncurrent loans to loans | 2.9785% | 2,425 |
| Net loans and leases to total assets | 72.0316% | 3,220 |
| Net loans and leases to deposits | 85.5010% | 3,647 |
| Net loans and leases to core deposits | 132.2870% | 1,418 |
| Total domestic deposits to total assets | 84.2465% | 3,627 |
| Equity capital to assets | 3.6032% | 8,106 |
| Core capital (leverage) ratio | 1.6857% | 8,152 |
| Tier 1 risk-based capital ratio | 2.0158% | 8,156 |
| Total risk-based capital ratio | 3.3528% | 8,154 |
| Memoranda: | ||
| Average total assets | $3,194,555,670 | 253 |
| Average earning assets | $2,898,310,670 | 249 |
| Average equity | $142,275,000 | 492 |
| Average total loans | $2,598,469,670 | 225 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8918% | 2,838 |
| Cost of funding earning assets | 2.1460% | 3,432 |
| Net interest margin | 3.7458% | 3,674 |
| Noninterest income to average assets | 0.1639% | 7,131 |
| Noninterest expense to average assets | 2.2028% | 6,862 |
| Loan and lease loss provision to assets | 6.0116% | 125 |
| Net operating income to assets | -2.7997% | 7,813 |
| Return on assets (ROA) | -2.7928% | 7,815 |
| Pretax return on assets | -4.6366% | 7,961 |
| Return on Equity (ROE) | -56.7592% | 8,075 |
| Retained earnings to average equity (ytd only) | -56.7592% | 8,058 |
| Net charge-offs to loans | 0.0398% | 4,939 |
| Credit loss provision to net charge-offs | 17,748.0916% | 27 |
| Earnings coverage of net charge-offs (x) | 40.2748% | 844 |
| Efficiency ratio | 61.7556% | 6,102 |
| Assets per employee ($millions) | 7.8781% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1062% | 444 |
| Loan loss allowance to noncurrent loans | 509.4877% | 687 |
| Noncurrent assets plus other real estate owned to assets | 1.3960% | 3,855 |
| Noncurrent loans to loans | 0.6097% | 5,874 |
| Net loans and leases to total assets | 81.1176% | 1,180 |
| Net loans and leases to deposits | 106.5640% | 824 |
| Net loans and leases to core deposits | 167.5959% | 384 |
| Total domestic deposits to total assets | 76.1210% | 6,485 |
| Equity capital to assets | 4.4022% | 8,149 |
| Core capital (leverage) ratio | 4.9025% | 8,131 |
| Tier 1 risk-based capital ratio | 5.1069% | 8,169 |
| Total risk-based capital ratio | 6.3887% | 8,168 |
| Memoranda: | ||
| Average total assets | $3,093,998,000 | 258 |
| Average earning assets | $2,810,969,500 | 255 |
| Average equity | $152,236,000 | 459 |
| Average total loans | $2,629,975,500 | 227 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8996% | 1,399 |
| Cost of funding earning assets | 2.7887% | 2,754 |
| Net interest margin | 4.1109% | 2,663 |
| Noninterest income to average assets | 0.1518% | 7,331 |
| Noninterest expense to average assets | 2.2907% | 6,729 |
| Loan and lease loss provision to assets | 0.8443% | 1,771 |
| Net operating income to assets | 0.8204% | 3,349 |
| Return on assets (ROA) | -3.4352% | 7,884 |
| Pretax return on assets | -5.8451% | 8,094 |
| Return on Equity (ROE) | -42.9497% | 8,103 |
| Retained earnings to average equity (ytd only) | -42.9497% | 8,076 |
| Net charge-offs to loans | 0.0583% | 5,944 |
| Credit loss provision to net charge-offs | 1,756.9546% | 247 |
| Earnings coverage of net charge-offs (x) | 34.3067% | 1,057 |
| Efficiency ratio | 58.1487% | 6,673 |
| Assets per employee ($millions) | 7.2999% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 3,412 |
| Loan loss allowance to noncurrent loans | 532.0024% | 825 |
| Noncurrent assets plus other real estate owned to assets | 1.3411% | 3,534 |
| Noncurrent loans to loans | 0.2560% | 6,614 |
| Net loans and leases to total assets | 85.1595% | 713 |
| Net loans and leases to deposits | 114.6368% | 589 |
| Net loans and leases to core deposits | 180.1339% | 283 |
| Total domestic deposits to total assets | 74.2863% | 6,608 |
| Equity capital to assets | 5.4581% | 8,138 |
| Core capital (leverage) ratio | 5.7007% | 8,142 |
| Tier 1 risk-based capital ratio | 5.6848% | 8,243 |
| Total risk-based capital ratio | 6.8977% | 8,246 |
| Memoranda: | ||
| Average total assets | $2,842,469,800 | 266 |
| Average earning assets | $2,618,905,000 | 263 |
| Average equity | $227,347,600 | 335 |
| Average total loans | $2,344,363,200 | 237 |