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Tamalpais Bank, Performance and Condition Ratios
| 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 | 5.9909% | 997 |
| Cost of funding earning assets | 2.4938% | 229 |
| Net interest margin | 3.4971% | 5,170 |
| Noninterest income to average assets | 0.1928% | 6,584 |
| Noninterest expense to average assets | 3.4163% | 2,189 |
| Loan and lease loss provision to assets | 1.0506% | 1,175 |
| Net operating income to assets | -1.0726% | 7,149 |
| Return on assets (ROA) | -1.0726% | 7,166 |
| Pretax return on assets | -1.0751% | 7,089 |
| Return on Equity (ROE) | -36.8195% | 7,632 |
| Retained earnings to average equity (ytd only) | -36.8195% | 7,614 |
| Net charge-offs to loans | 1.8983% | 912 |
| Credit loss provision to net charge-offs | 68.1590% | 4,146 |
| Earnings coverage of net charge-offs (x) | -0.0159% | 5,037 |
| Efficiency ratio | 100.7226% | 814 |
| Assets per employee ($millions) | 9.4078% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5726% | 244 |
| Loan loss allowance to noncurrent loans | 65.5794% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 7.1324% | 749 |
| Noncurrent loans to loans | 6.9725% | 856 |
| Net loans and leases to total assets | 76.2325% | 1,491 |
| Net loans and leases to deposits | 101.9595% | 647 |
| Net loans and leases to core deposits | 123.3639% | 663 |
| Total domestic deposits to total assets | 74.7675% | 6,933 |
| Equity capital to assets | 2.8330% | 7,856 |
| Core capital (leverage) ratio | 2.6772% | 7,857 |
| Tier 1 risk-based capital ratio | 3.3673% | 7,862 |
| Total risk-based capital ratio | 4.6586% | 7,862 |
| Memoranda: | ||
| Average total assets | $620,203,500 | 1,109 |
| Average earning assets | $567,329,500 | 1,104 |
| Average equity | $18,066,500 | 3,467 |
| Average total loans | $503,618,500 | 928 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2961% | 1,035 |
| Cost of funding earning assets | 2.5236% | 968 |
| Net interest margin | 3.7726% | 3,828 |
| Noninterest income to average assets | -0.0149% | 7,731 |
| Noninterest expense to average assets | 2.5024% | 6,121 |
| Loan and lease loss provision to assets | 7.4229% | 56 |
| Net operating income to assets | -5.3855% | 7,790 |
| Return on assets (ROA) | -5.2844% | 7,771 |
| Pretax return on assets | -6.3178% | 7,828 |
| Return on Equity (ROE) | -79.0901% | 7,858 |
| Retained earnings to average equity (ytd only) | -81.0500% | 7,865 |
| Net charge-offs to loans | 6.2369% | 158 |
| Credit loss provision to net charge-offs | 141.8655% | 3,410 |
| Earnings coverage of net charge-offs (x) | 0.1882% | 5,958 |
| Efficiency ratio | 71.7617% | 4,306 |
| Assets per employee ($millions) | 9.1145% | 342 |
| Cash dividends to net income (ytd only)* | -2.4781% | 7,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4528% | 261 |
| Loan loss allowance to noncurrent loans | 53.2715% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 7.4647% | 648 |
| Noncurrent loans to loans | 8.3586% | 579 |
| Net loans and leases to total assets | 78.8098% | 1,226 |
| Net loans and leases to deposits | 101.6520% | 780 |
| Net loans and leases to core deposits | 122.6154% | 1,740 |
| Total domestic deposits to total assets | 77.5290% | 6,346 |
| Equity capital to assets | 2.9908% | 7,918 |
| Core capital (leverage) ratio | 2.7268% | 7,921 |
| Tier 1 risk-based capital ratio | 3.5791% | 7,925 |
| Total risk-based capital ratio | 4.8696% | 7,927 |
| Memoranda: | ||
| Average total assets | $684,984,400 | 1,004 |
| Average earning assets | $635,849,200 | 985 |
| Average equity | $45,766,800 | 1,469 |
| Average total loans | $574,664,000 | 830 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4199% | 888 |
| Cost of funding earning assets | 2.5377% | 1,184 |
| Net interest margin | 3.8822% | 3,297 |
| Noninterest income to average assets | 0.0223% | 7,762 |
| Noninterest expense to average assets | 2.1249% | 7,143 |
| Loan and lease loss provision to assets | 4.4701% | 227 |
| Net operating income to assets | -1.6345% | 7,169 |
| Return on assets (ROA) | -1.6022% | 7,154 |
| Pretax return on assets | -2.9102% | 7,478 |
| Return on Equity (ROE) | -21.3303% | 7,418 |
| Retained earnings to average equity (ytd only) | -23.6080% | 7,451 |
| Net charge-offs to loans | 1.1934% | 1,701 |
| Credit loss provision to net charge-offs | 444.7713% | 888 |
| Earnings coverage of net charge-offs (x) | 1.5020% | 4,659 |
| Efficiency ratio | 58.4654% | 6,657 |
| Assets per employee ($millions) | 11.0197% | 214 |
| Cash dividends to net income (ytd only)* | -10.6786% | 7,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5599% | 204 |
| Loan loss allowance to noncurrent loans | 36.0879% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 11.3459% | 260 |
| Noncurrent loans to loans | 12.6357% | 240 |
| Net loans and leases to total assets | 79.1660% | 1,357 |
| Net loans and leases to deposits | 111.3673% | 418 |
| Net loans and leases to core deposits | 132.9158% | 1,274 |
| Total domestic deposits to total assets | 71.0855% | 7,327 |
| Equity capital to assets | 6.7733% | 7,683 |
| Core capital (leverage) ratio | 6.4639% | 7,688 |
| Tier 1 risk-based capital ratio | 7.9507% | 7,798 |
| Total risk-based capital ratio | 9.2419% | 7,808 |
| Memoranda: | ||
| Average total assets | $699,004,750 | 992 |
| Average earning assets | $650,378,500 | 966 |
| Average equity | $52,506,250 | 1,282 |
| Average total loans | $588,646,250 | 825 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5818% | 684 |
| Cost of funding earning assets | 2.4883% | 1,655 |
| Net interest margin | 4.0935% | 2,342 |
| Noninterest income to average assets | 0.2264% | 6,671 |
| Noninterest expense to average assets | 2.0625% | 7,352 |
| Loan and lease loss provision to assets | 3.9978% | 306 |
| Net operating income to assets | -1.0808% | 7,040 |
| Return on assets (ROA) | -1.0777% | 7,037 |
| Pretax return on assets | -2.0114% | 7,291 |
| Return on Equity (ROE) | -13.8955% | 7,278 |
| Retained earnings to average equity (ytd only) | -17.1973% | 7,358 |
| Net charge-offs to loans | 1.5176% | 1,252 |
| Credit loss provision to net charge-offs | 311.2692% | 1,498 |
| Earnings coverage of net charge-offs (x) | 1.5428% | 4,381 |
| Efficiency ratio | 51.0024% | 7,594 |
| Assets per employee ($millions) | 10.7958% | 214 |
| Cash dividends to net income (ytd only)* | -23.7616% | 7,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9547% | 590 |
| Loan loss allowance to noncurrent loans | 67.7980% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 4.3480% | 1,323 |
| Noncurrent loans to loans | 4.3580% | 1,488 |
| Net loans and leases to total assets | 82.3737% | 889 |
| Net loans and leases to deposits | 119.3356% | 250 |
| Net loans and leases to core deposits | 147.1850% | 722 |
| Total domestic deposits to total assets | 69.0269% | 7,554 |
| Equity capital to assets | 7.3547% | 7,381 |
| Core capital (leverage) ratio | 7.3143% | 7,222 |
| Tier 1 risk-based capital ratio | 8.4134% | 7,858 |
| Total risk-based capital ratio | 9.6859% | 7,888 |
| Memoranda: | ||
| Average total assets | $700,592,670 | 1,003 |
| Average earning assets | $653,377,000 | 975 |
| Average equity | $54,334,000 | 1,233 |
| Average total loans | $592,907,670 | 840 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6329% | 661 |
| Cost of funding earning assets | 2.5736% | 1,644 |
| Net interest margin | 4.0594% | 2,427 |
| Noninterest income to average assets | 0.2428% | 6,515 |
| Noninterest expense to average assets | 2.0148% | 7,319 |
| Loan and lease loss provision to assets | 1.9336% | 629 |
| Net operating income to assets | 0.1274% | 5,896 |
| Return on assets (ROA) | 0.1366% | 6,036 |
| Pretax return on assets | 0.0971% | 6,176 |
| Return on Equity (ROE) | 1.7165% | 5,870 |
| Retained earnings to average equity (ytd only) | -2.1761% | 6,135 |
| Net charge-offs to loans | 0.2772% | 3,010 |
| Credit loss provision to net charge-offs | 825.3659% | 730 |
| Earnings coverage of net charge-offs (x) | 8.6293% | 2,162 |
| Efficiency ratio | 49.9151% | 7,596 |
| Assets per employee ($millions) | 9.9656% | 268 |
| Cash dividends to net income (ytd only)* | 226.7782% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 1,682 |
| Loan loss allowance to noncurrent loans | 58.6176% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 3.1242% | 1,799 |
| Noncurrent loans to loans | 3.1971% | 2,023 |
| Net loans and leases to total assets | 83.0680% | 834 |
| Net loans and leases to deposits | 124.9008% | 202 |
| Net loans and leases to core deposits | 167.4907% | 387 |
| Total domestic deposits to total assets | 66.5072% | 7,703 |
| Equity capital to assets | 7.9782% | 6,844 |
| Core capital (leverage) ratio | 7.7773% | 6,781 |
| Tier 1 risk-based capital ratio | 9.2097% | 7,668 |
| Total risk-based capital ratio | 10.4690% | 7,648 |
| Memoranda: | ||
| Average total assets | $700,026,000 | 1,007 |
| Average earning assets | $654,191,500 | 983 |
| Average equity | $55,696,000 | 1,218 |
| Average total loans | $591,543,000 | 838 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2545% | 654 |
| Cost of funding earning assets | 3.1923% | 1,214 |
| Net interest margin | 4.0622% | 2,861 |
| Noninterest income to average assets | 0.2713% | 6,513 |
| Noninterest expense to average assets | 2.1035% | 7,231 |
| Loan and lease loss provision to assets | 0.5008% | 2,809 |
| Net operating income to assets | 0.9504% | 2,791 |
| Return on assets (ROA) | 0.9434% | 2,680 |
| Pretax return on assets | 1.4547% | 1,808 |
| Return on Equity (ROE) | 11.6354% | 1,702 |
| Retained earnings to average equity (ytd only) | 9.1535% | 580 |
| Net charge-offs to loans | 0.0022% | 6,992 |
| Credit loss provision to net charge-offs | 26,583.3333% | 20 |
| Earnings coverage of net charge-offs (x) | 1,043.7500% | 42 |
| Efficiency ratio | 51.6876% | 7,524 |
| Assets per employee ($millions) | 9.8938% | 270 |
| Cash dividends to net income (ytd only)* | 21.3311% | 4,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3658% | 3,386 |
| Loan loss allowance to noncurrent loans | 48.2934% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 2.4450% | 1,985 |
| Noncurrent loans to loans | 2.8281% | 1,914 |
| Net loans and leases to total assets | 83.2005% | 1,014 |
| Net loans and leases to deposits | 126.9252% | 260 |
| Net loans and leases to core deposits | 175.8882% | 333 |
| Total domestic deposits to total assets | 65.5508% | 7,683 |
| Equity capital to assets | 7.9345% | 6,920 |
| Core capital (leverage) ratio | 8.0709% | 6,371 |
| Tier 1 risk-based capital ratio | 9.2037% | 7,610 |
| Total risk-based capital ratio | 10.4566% | 7,561 |
| Memoranda: | ||
| Average total assets | $637,036,800 | 1,052 |
| Average earning assets | $595,660,400 | 1,027 |
| Average equity | $51,652,600 | 1,303 |
| Average total loans | $539,740,800 | 885 |