Home > ShoreBank, Pacific > Performance and Condition Ratios
ShoreBank, Pacific, 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 | 5.0484% | 4,596 |
| Cost of funding earning assets | 1.6071% | 2,349 |
| Net interest margin | 3.4413% | 5,524 |
| Noninterest income to average assets | 0.1219% | 6,946 |
| Noninterest expense to average assets | 2.7434% | 4,709 |
| Loan and lease loss provision to assets | 1.5781% | 826 |
| Net operating income to assets | -1.1100% | 6,948 |
| Return on assets (ROA) | -0.9502% | 6,915 |
| Pretax return on assets | -0.8004% | 6,736 |
| Return on Equity (ROE) | -12.6886% | 7,040 |
| Retained earnings to average equity (ytd only) | -12.6886% | 7,001 |
| Net charge-offs to loans | 3.4628% | 397 |
| Credit loss provision to net charge-offs | 87.0364% | 4,885 |
| Earnings coverage of net charge-offs (x) | 0.3408% | 5,684 |
| Efficiency ratio | 81.6165% | 2,109 |
| Assets per employee ($millions) | 6.6707% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4512% | 4,199 |
| Loan loss allowance to noncurrent loans | 18.9720% | 6,947 |
| Noncurrent assets plus other real estate owned to assets | 5.7970% | 1,046 |
| Noncurrent loans to loans | 7.6494% | 702 |
| Net loans and leases to total assets | 55.3859% | 5,637 |
| Net loans and leases to deposits | 71.3443% | 4,936 |
| Net loans and leases to core deposits | 87.0576% | 3,515 |
| Total domestic deposits to total assets | 77.6319% | 6,338 |
| Equity capital to assets | 8.1428% | 6,676 |
| Core capital (leverage) ratio | 8.2614% | 5,945 |
| Tier 1 risk-based capital ratio | 9.7376% | 7,172 |
| Total risk-based capital ratio | 10.6768% | 7,272 |
| Memoranda: | ||
| Average total assets | $200,230,250 | 3,134 |
| Average earning assets | $188,489,000 | 3,063 |
| Average equity | $14,994,750 | 3,985 |
| Average total loans | $104,846,000 | 3,713 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9919% | 4,978 |
| Cost of funding earning assets | 1.6181% | 2,557 |
| Net interest margin | 3.3738% | 5,745 |
| Noninterest income to average assets | 0.1247% | 6,973 |
| Noninterest expense to average assets | 2.7071% | 4,873 |
| Loan and lease loss provision to assets | 1.5270% | 864 |
| Net operating income to assets | -1.1530% | 7,008 |
| Return on assets (ROA) | -0.9800% | 6,957 |
| Pretax return on assets | -0.7606% | 6,761 |
| Return on Equity (ROE) | -13.4266% | 7,091 |
| Retained earnings to average equity (ytd only) | -13.4266% | 7,053 |
| Net charge-offs to loans | 3.3700% | 442 |
| Credit loss provision to net charge-offs | 88.4163% | 4,466 |
| Earnings coverage of net charge-offs (x) | 0.3436% | 5,379 |
| Efficiency ratio | 82.0205% | 2,166 |
| Assets per employee ($millions) | 7.0104% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5801% | 3,533 |
| Loan loss allowance to noncurrent loans | 26.1454% | 6,605 |
| Noncurrent assets plus other real estate owned to assets | 6.1302% | 947 |
| Noncurrent loans to loans | 6.0436% | 1,055 |
| Net loans and leases to total assets | 51.2461% | 6,283 |
| Net loans and leases to deposits | 64.4213% | 5,983 |
| Net loans and leases to core deposits | 81.4998% | 4,490 |
| Total domestic deposits to total assets | 79.5483% | 5,875 |
| Equity capital to assets | 7.5174% | 7,102 |
| Core capital (leverage) ratio | 7.8716% | 6,418 |
| Tier 1 risk-based capital ratio | 12.1649% | 5,159 |
| Total risk-based capital ratio | 13.4093% | 5,144 |
| Memoranda: | ||
| Average total assets | $206,937,330 | 3,080 |
| Average earning assets | $194,793,670 | 3,009 |
| Average equity | $15,104,330 | 3,973 |
| Average total loans | $106,053,330 | 3,715 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0214% | 4,922 |
| Cost of funding earning assets | 1.5696% | 3,140 |
| Net interest margin | 3.4518% | 5,364 |
| Noninterest income to average assets | 0.1376% | 6,993 |
| Noninterest expense to average assets | 2.4819% | 5,797 |
| Loan and lease loss provision to assets | 2.0258% | 547 |
| Net operating income to assets | -0.6736% | 6,942 |
| Return on assets (ROA) | -0.5880% | 6,922 |
| Pretax return on assets | -0.9705% | 7,036 |
| Return on Equity (ROE) | -8.1683% | 7,063 |
| Retained earnings to average equity (ytd only) | -8.1683% | 6,844 |
| Net charge-offs to loans | 3.5045% | 402 |
| Credit loss provision to net charge-offs | 113.6364% | 3,053 |
| Earnings coverage of net charge-offs (x) | 0.5169% | 4,573 |
| Efficiency ratio | 72.9236% | 3,774 |
| Assets per employee ($millions) | 6.4174% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8613% | 2,545 |
| Loan loss allowance to noncurrent loans | 22.9233% | 6,860 |
| Noncurrent assets plus other real estate owned to assets | 5.1318% | 1,236 |
| Noncurrent loans to loans | 8.1199% | 657 |
| Net loans and leases to total assets | 47.1451% | 6,744 |
| Net loans and leases to deposits | 58.3372% | 6,605 |
| Net loans and leases to core deposits | 75.0836% | 5,376 |
| Total domestic deposits to total assets | 80.8149% | 5,516 |
| Equity capital to assets | 6.9472% | 7,395 |
| Core capital (leverage) ratio | 7.8713% | 6,415 |
| Tier 1 risk-based capital ratio | 12.2501% | 4,941 |
| Total risk-based capital ratio | 13.5026% | 4,914 |
| Memoranda: | ||
| Average total assets | $212,260,000 | 3,078 |
| Average earning assets | $200,821,500 | 2,983 |
| Average equity | $15,278,500 | 3,965 |
| Average total loans | $107,976,500 | 3,732 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1612% | 5,827 |
| Cost of funding earning assets | 1.7636% | 4,181 |
| Net interest margin | 3.3975% | 5,379 |
| Noninterest income to average assets | 0.0882% | 7,321 |
| Noninterest expense to average assets | 2.2385% | 6,896 |
| Loan and lease loss provision to assets | 1.7408% | 1,308 |
| Net operating income to assets | -0.3232% | 6,002 |
| Return on assets (ROA) | 0.0105% | 5,501 |
| Pretax return on assets | -0.1564% | 5,652 |
| Return on Equity (ROE) | 0.1395% | 5,495 |
| Retained earnings to average equity (ytd only) | 0.1395% | 4,824 |
| Net charge-offs to loans | 3.0209% | 699 |
| Credit loss provision to net charge-offs | 113.6161% | 4,824 |
| Earnings coverage of net charge-offs (x) | 0.6939% | 5,404 |
| Efficiency ratio | 67.8001% | 5,043 |
| Assets per employee ($millions) | 6.0685% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6394% | 3,127 |
| Loan loss allowance to noncurrent loans | 17.7739% | 7,147 |
| Noncurrent assets plus other real estate owned to assets | 5.4519% | 1,077 |
| Noncurrent loans to loans | 9.2238% | 478 |
| Net loans and leases to total assets | 52.9802% | 6,310 |
| Net loans and leases to deposits | 65.7465% | 6,075 |
| Net loans and leases to core deposits | 91.4731% | 4,953 |
| Total domestic deposits to total assets | 80.5826% | 5,480 |
| Equity capital to assets | 7.4633% | 7,059 |
| Core capital (leverage) ratio | 7.9493% | 6,263 |
| Tier 1 risk-based capital ratio | 12.3879% | 4,606 |
| Total risk-based capital ratio | 13.6386% | 4,573 |
| Memoranda: | ||
| Average total assets | $220,014,400 | 2,940 |
| Average earning assets | $208,092,200 | 2,859 |
| Average equity | $16,484,000 | 3,779 |
| Average total loans | $111,587,600 | 3,653 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1700% | 6,010 |
| Cost of funding earning assets | 1.7848% | 4,450 |
| Net interest margin | 3.3851% | 5,332 |
| Noninterest income to average assets | 0.0889% | 7,453 |
| Noninterest expense to average assets | 2.2544% | 6,821 |
| Loan and lease loss provision to assets | 1.5992% | 1,182 |
| Net operating income to assets | -0.2557% | 6,147 |
| Return on assets (ROA) | -0.0251% | 5,816 |
| Pretax return on assets | -0.2083% | 5,991 |
| Return on Equity (ROE) | -0.3342% | 5,832 |
| Retained earnings to average equity (ytd only) | -0.3342% | 5,299 |
| Net charge-offs to loans | 2.0650% | 943 |
| Credit loss provision to net charge-offs | 154.9133% | 3,090 |
| Earnings coverage of net charge-offs (x) | 0.9983% | 5,055 |
| Efficiency ratio | 68.6285% | 4,858 |
| Assets per employee ($millions) | 6.7810% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0716% | 1,643 |
| Loan loss allowance to noncurrent loans | 21.9013% | 6,989 |
| Noncurrent assets plus other real estate owned to assets | 6.1348% | 861 |
| Noncurrent loans to loans | 9.4586% | 441 |
| Net loans and leases to total assets | 47.4260% | 7,003 |
| Net loans and leases to deposits | 61.5616% | 6,717 |
| Net loans and leases to core deposits | 85.5605% | 5,909 |
| Total domestic deposits to total assets | 77.0383% | 6,327 |
| Equity capital to assets | 7.5011% | 7,295 |
| Core capital (leverage) ratio | 7.4629% | 7,019 |
| Tier 1 risk-based capital ratio | 11.7656% | 5,184 |
| Total risk-based capital ratio | 13.0200% | 5,124 |
| Memoranda: | ||
| Average total assets | $223,435,500 | 2,911 |
| Average earning assets | $210,955,750 | 2,842 |
| Average equity | $16,755,250 | 3,756 |
| Average total loans | $111,700,500 | 3,701 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1259% | 6,334 |
| Cost of funding earning assets | 1.8117% | 4,703 |
| Net interest margin | 3.3143% | 5,502 |
| Noninterest income to average assets | 0.0869% | 7,538 |
| Noninterest expense to average assets | 2.3523% | 6,618 |
| Loan and lease loss provision to assets | 1.9904% | 816 |
| Net operating income to assets | -0.6385% | 6,695 |
| Return on assets (ROA) | -0.3357% | 6,381 |
| Pretax return on assets | -0.6197% | 6,545 |
| Return on Equity (ROE) | -4.4764% | 6,546 |
| Retained earnings to average equity (ytd only) | -4.4764% | 6,219 |
| Net charge-offs to loans | 0.6624% | 2,377 |
| Credit loss provision to net charge-offs | 594.5946% | 785 |
| Earnings coverage of net charge-offs (x) | 2.6811% | 3,739 |
| Efficiency ratio | 72.3831% | 4,332 |
| Assets per employee ($millions) | 6.3955% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8177% | 666 |
| Loan loss allowance to noncurrent loans | 21.8012% | 7,030 |
| Noncurrent assets plus other real estate owned to assets | 6.5429% | 692 |
| Noncurrent loans to loans | 12.9245% | 185 |
| Net loans and leases to total assets | 49.1981% | 6,941 |
| Net loans and leases to deposits | 65.6687% | 6,423 |
| Net loans and leases to core deposits | 97.0710% | 4,780 |
| Total domestic deposits to total assets | 74.9187% | 6,779 |
| Equity capital to assets | 7.0862% | 7,558 |
| Core capital (leverage) ratio | 7.3006% | 7,244 |
| Tier 1 risk-based capital ratio | 11.4134% | 5,477 |
| Total risk-based capital ratio | 12.6748% | 5,379 |
| Memoranda: | ||
| Average total assets | $221,063,000 | 2,960 |
| Average earning assets | $210,966,670 | 2,854 |
| Average equity | $16,575,670 | 3,800 |
| Average total loans | $111,715,670 | 3,724 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2311% | 6,183 |
| Cost of funding earning assets | 1.8838% | 4,719 |
| Net interest margin | 3.3473% | 5,336 |
| Noninterest income to average assets | 0.0838% | 7,637 |
| Noninterest expense to average assets | 2.2197% | 6,804 |
| Loan and lease loss provision to assets | 1.2746% | 1,002 |
| Net operating income to assets | -0.1652% | 6,504 |
| Return on assets (ROA) | 0.1530% | 5,978 |
| Pretax return on assets | 0.2039% | 5,929 |
| Return on Equity (ROE) | 1.9843% | 5,781 |
| Retained earnings to average equity (ytd only) | 1.9843% | 4,753 |
| Net charge-offs to loans | 0.3174% | 2,831 |
| Credit loss provision to net charge-offs | 795.4545% | 753 |
| Earnings coverage of net charge-offs (x) | 6.5795% | 2,479 |
| Efficiency ratio | 67.7976% | 5,002 |
| Assets per employee ($millions) | 6.3669% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7713% | 1,927 |
| Loan loss allowance to noncurrent loans | 19.2739% | 7,207 |
| Noncurrent assets plus other real estate owned to assets | 4.5983% | 1,030 |
| Noncurrent loans to loans | 9.1903% | 344 |
| Net loans and leases to total assets | 49.1481% | 6,935 |
| Net loans and leases to deposits | 66.5433% | 6,327 |
| Net loans and leases to core deposits | 95.1480% | 5,049 |
| Total domestic deposits to total assets | 73.8587% | 6,914 |
| Equity capital to assets | 7.6964% | 7,183 |
| Core capital (leverage) ratio | 7.7941% | 6,756 |
| Tier 1 risk-based capital ratio | 11.8701% | 5,064 |
| Total risk-based capital ratio | 13.1216% | 4,967 |
| Memoranda: | ||
| Average total assets | $219,672,500 | 2,991 |
| Average earning assets | $209,361,500 | 2,888 |
| Average equity | $16,932,500 | 3,743 |
| Average total loans | $110,913,500 | 3,770 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2698% | 4,126 |
| Cost of funding earning assets | 2.7000% | 3,155 |
| Net interest margin | 3.5698% | 5,013 |
| Noninterest income to average assets | 0.0984% | 7,639 |
| Noninterest expense to average assets | 2.3583% | 6,540 |
| Loan and lease loss provision to assets | 0.4028% | 3,268 |
| Net operating income to assets | 0.5442% | 4,554 |
| Return on assets (ROA) | 0.7088% | 3,688 |
| Pretax return on assets | 1.0164% | 3,326 |
| Return on Equity (ROE) | 8.5687% | 2,802 |
| Retained earnings to average equity (ytd only) | 8.5687% | 688 |
| Net charge-offs to loans | 0.6118% | 2,003 |
| Credit loss provision to net charge-offs | 124.5819% | 4,293 |
| Earnings coverage of net charge-offs (x) | 3.6622% | 4,266 |
| Efficiency ratio | 66.3919% | 5,039 |
| Assets per employee ($millions) | 6.5607% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 4,271 |
| Loan loss allowance to noncurrent loans | 27.0168% | 6,892 |
| Noncurrent assets plus other real estate owned to assets | 2.3302% | 2,086 |
| Noncurrent loans to loans | 4.5727% | 1,038 |
| Net loans and leases to total assets | 50.3303% | 7,000 |
| Net loans and leases to deposits | 73.6446% | 5,885 |
| Net loans and leases to core deposits | 91.5458% | 5,680 |
| Total domestic deposits to total assets | 68.3421% | 7,435 |
| Equity capital to assets | 7.7200% | 7,181 |
| Core capital (leverage) ratio | 7.8207% | 6,773 |
| Tier 1 risk-based capital ratio | 11.7181% | 5,045 |
| Total risk-based capital ratio | 12.6757% | 5,215 |
| Memoranda: | ||
| Average total assets | $184,967,200 | 3,341 |
| Average earning assets | $178,441,400 | 3,201 |
| Average equity | $15,299,800 | 4,075 |
| Average total loans | $97,739,000 | 4,012 |