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San Joaquin 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 | 4.9205% | 6,834 |
| Cost of funding earning assets | 1.4002% | 6,229 |
| Net interest margin | 3.5203% | 4,784 |
| Noninterest income to average assets | 0.5869% | 3,801 |
| Noninterest expense to average assets | 2.5556% | 5,877 |
| Loan and lease loss provision to assets | 7.5821% | 54 |
| Net operating income to assets | -3.4362% | 7,677 |
| Return on assets (ROA) | -3.4227% | 7,683 |
| Pretax return on assets | -6.4014% | 7,931 |
| Return on Equity (ROE) | -55.9119% | 7,875 |
| Retained earnings to average equity (ytd only) | -55.9119% | 7,871 |
| Net charge-offs to loans | 5.6500% | 170 |
| Credit loss provision to net charge-offs | 157.8968% | 3,015 |
| Earnings coverage of net charge-offs (x) | 0.2415% | 5,775 |
| Efficiency ratio | 68.7887% | 4,828 |
| Assets per employee ($millions) | 5.1433% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0226% | 135 |
| Loan loss allowance to noncurrent loans | 30.6900% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 14.1627% | 145 |
| Noncurrent loans to loans | 16.3655% | 121 |
| Net loans and leases to total assets | 82.1363% | 786 |
| Net loans and leases to deposits | 100.4949% | 1,062 |
| Net loans and leases to core deposits | 126.4083% | 1,702 |
| Total domestic deposits to total assets | 81.7318% | 4,794 |
| Equity capital to assets | 6.0229% | 7,858 |
| Core capital (leverage) ratio | 5.0306% | 7,918 |
| Tier 1 risk-based capital ratio | 5.3852% | 7,982 |
| Total risk-based capital ratio | 7.4897% | 7,947 |
| Memoranda: | ||
| Average total assets | $851,244,750 | 811 |
| Average earning assets | $756,430,500 | 830 |
| Average equity | $52,109,250 | 1,292 |
| Average total loans | $723,477,000 | 659 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7542% | 7,304 |
| Cost of funding earning assets | 1.4571% | 6,302 |
| Net interest margin | 3.2972% | 5,568 |
| Noninterest income to average assets | 0.4934% | 4,498 |
| Noninterest expense to average assets | 2.2880% | 6,787 |
| Loan and lease loss provision to assets | 9.9641% | 36 |
| Net operating income to assets | -4.5179% | 7,893 |
| Return on assets (ROA) | -4.4935% | 7,889 |
| Pretax return on assets | -8.7669% | 8,071 |
| Return on Equity (ROE) | -73.0626% | 8,024 |
| Retained earnings to average equity (ytd only) | -73.0626% | 8,023 |
| Net charge-offs to loans | 3.8541% | 375 |
| Credit loss provision to net charge-offs | 305.7424% | 1,516 |
| Earnings coverage of net charge-offs (x) | 0.3556% | 5,328 |
| Efficiency ratio | 66.3764% | 5,484 |
| Assets per employee ($millions) | 5.5893% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3228% | 68 |
| Loan loss allowance to noncurrent loans | 44.9444% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 12.0288% | 181 |
| Noncurrent loans to loans | 14.0680% | 156 |
| Net loans and leases to total assets | 80.0986% | 1,301 |
| Net loans and leases to deposits | 97.2140% | 1,637 |
| Net loans and leases to core deposits | 115.2054% | 2,787 |
| Total domestic deposits to total assets | 82.3941% | 4,524 |
| Equity capital to assets | 5.6539% | 7,979 |
| Core capital (leverage) ratio | 4.1213% | 8,084 |
| Tier 1 risk-based capital ratio | 4.5877% | 8,111 |
| Total risk-based capital ratio | 6.6982% | 8,085 |
| Memoranda: | ||
| Average total assets | $879,540,000 | 798 |
| Average earning assets | $787,888,000 | 808 |
| Average equity | $54,093,330 | 1,242 |
| Average total loans | $743,720,670 | 653 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8729% | 7,237 |
| Cost of funding earning assets | 1.5660% | 6,173 |
| Net interest margin | 3.3069% | 5,473 |
| Noninterest income to average assets | 0.6499% | 3,198 |
| Noninterest expense to average assets | 2.0547% | 7,226 |
| Loan and lease loss provision to assets | 16.4052% | 15 |
| Net operating income to assets | -8.0520% | 8,149 |
| Return on assets (ROA) | -8.0106% | 8,136 |
| Pretax return on assets | -14.7621% | 8,198 |
| Return on Equity (ROE) | -125.5760% | 8,166 |
| Retained earnings to average equity (ytd only) | -125.5760% | 8,164 |
| Net charge-offs to loans | 5.6329% | 177 |
| Credit loss provision to net charge-offs | 346.2135% | 1,451 |
| Earnings coverage of net charge-offs (x) | 0.3331% | 4,712 |
| Efficiency ratio | 56.5541% | 6,892 |
| Assets per employee ($millions) | 5.8454% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6123% | 80 |
| Loan loss allowance to noncurrent loans | 42.6161% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 11.2810% | 166 |
| Noncurrent loans to loans | 13.1695% | 142 |
| Net loans and leases to total assets | 80.8528% | 1,226 |
| Net loans and leases to deposits | 91.3119% | 2,727 |
| Net loans and leases to core deposits | 111.2591% | 3,289 |
| Total domestic deposits to total assets | 88.5457% | 1,462 |
| Equity capital to assets | 5.5872% | 8,061 |
| Core capital (leverage) ratio | 4.2787% | 8,161 |
| Tier 1 risk-based capital ratio | 4.9920% | 8,173 |
| Total risk-based capital ratio | 7.0669% | 8,151 |
| Memoranda: | ||
| Average total assets | $902,906,500 | 779 |
| Average earning assets | $814,537,500 | 782 |
| Average equity | $57,597,000 | 1,178 |
| Average total loans | $759,535,500 | 645 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2553% | 4,212 |
| Cost of funding earning assets | 2.1378% | 5,888 |
| Net interest margin | 4.1175% | 2,632 |
| Noninterest income to average assets | 0.3871% | 5,582 |
| Noninterest expense to average assets | 1.9273% | 7,570 |
| Loan and lease loss provision to assets | 1.8595% | 674 |
| Net operating income to assets | 0.3202% | 5,478 |
| Return on assets (ROA) | 0.3202% | 5,298 |
| Pretax return on assets | 0.3869% | 5,301 |
| Return on Equity (ROE) | 4.2823% | 4,692 |
| Retained earnings to average equity (ytd only) | 2.4893% | 3,647 |
| Net charge-offs to loans | 1.4067% | 837 |
| Credit loss provision to net charge-offs | 160.4241% | 3,221 |
| Earnings coverage of net charge-offs (x) | 1.9380% | 5,096 |
| Efficiency ratio | 46.1775% | 7,919 |
| Assets per employee ($millions) | 6.6775% | 819 |
| Cash dividends to net income (ytd only)* | 41.8702% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0100% | 1,201 |
| Loan loss allowance to noncurrent loans | 34.8903% | 6,411 |
| Noncurrent assets plus other real estate owned to assets | 4.7635% | 761 |
| Noncurrent loans to loans | 5.7608% | 654 |
| Net loans and leases to total assets | 81.0252% | 1,432 |
| Net loans and leases to deposits | 98.6184% | 2,032 |
| Net loans and leases to core deposits | 114.3375% | 3,298 |
| Total domestic deposits to total assets | 82.1604% | 4,138 |
| Equity capital to assets | 7.1168% | 7,674 |
| Core capital (leverage) ratio | 7.6115% | 7,062 |
| Tier 1 risk-based capital ratio | 8.1930% | 8,049 |
| Total risk-based capital ratio | 10.1715% | 7,854 |
| Memoranda: | ||
| Average total assets | $895,078,000 | 748 |
| Average earning assets | $823,138,200 | 736 |
| Average equity | $66,926,400 | 996 |
| Average total loans | $737,515,600 | 650 |