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Temecula Valley Bank, Performance and Condition Ratios
| 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 | 4.9729% | 6,865 |
| Cost of funding earning assets | 2.8454% | 702 |
| Net interest margin | 2.1275% | 7,794 |
| Noninterest income to average assets | -2.1442% | 8,177 |
| Noninterest expense to average assets | 3.5905% | 2,091 |
| Loan and lease loss provision to assets | 5.3199% | 174 |
| Net operating income to assets | -9.9385% | 8,120 |
| Return on assets (ROA) | -9.9385% | 8,116 |
| Pretax return on assets | -9.1490% | 8,079 |
| Return on Equity (ROE) | -238.0220% | 8,155 |
| Retained earnings to average equity (ytd only) | -238.0220% | 8,154 |
| Net charge-offs to loans | 6.1056% | 177 |
| Credit loss provision to net charge-offs | 98.2594% | 4,670 |
| Earnings coverage of net charge-offs (x) | -0.7072% | 6,151 |
| Efficiency ratio | -1,504.4000% | 8,193 |
| Assets per employee ($millions) | 7.0536% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2650% | 210 |
| Loan loss allowance to noncurrent loans | 37.8192% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 14.1864% | 115 |
| Noncurrent loans to loans | 11.2773% | 259 |
| Net loans and leases to total assets | 81.7205% | 1,003 |
| Net loans and leases to deposits | 89.4255% | 2,911 |
| Net loans and leases to core deposits | 118.9492% | 2,459 |
| Total domestic deposits to total assets | 91.3839% | 348 |
| Equity capital to assets | 1.5306% | 8,154 |
| Core capital (leverage) ratio | 1.4165% | 8,158 |
| Tier 1 risk-based capital ratio | 1.5877% | 8,158 |
| Total risk-based capital ratio | 2.8706% | 8,158 |
| Memoranda: | ||
| Average total assets | $1,466,501,330 | 488 |
| Average earning assets | $1,313,472,330 | 491 |
| Average equity | $61,233,000 | 1,115 |
| Average total loans | $1,300,418,670 | 405 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9250% | 7,112 |
| Cost of funding earning assets | 2.9017% | 766 |
| Net interest margin | 2.0233% | 7,885 |
| Noninterest income to average assets | -1.3070% | 8,222 |
| Noninterest expense to average assets | 3.0408% | 3,588 |
| Loan and lease loss provision to assets | 5.9942% | 126 |
| Net operating income to assets | -9.3273% | 8,165 |
| Return on assets (ROA) | -9.3273% | 8,156 |
| Pretax return on assets | -8.5281% | 8,129 |
| Return on Equity (ROE) | -172.5498% | 8,185 |
| Retained earnings to average equity (ytd only) | -172.5498% | 8,183 |
| Net charge-offs to loans | 5.3438% | 189 |
| Credit loss provision to net charge-offs | 124.3369% | 3,196 |
| Earnings coverage of net charge-offs (x) | -0.5256% | 5,259 |
| Efficiency ratio | 599.7898% | 34 |
| Assets per employee ($millions) | 6.5456% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2086% | 184 |
| Loan loss allowance to noncurrent loans | 38.1516% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 12.2144% | 135 |
| Noncurrent loans to loans | 11.0313% | 221 |
| Net loans and leases to total assets | 85.3161% | 517 |
| Net loans and leases to deposits | 95.5149% | 2,026 |
| Net loans and leases to core deposits | 123.4410% | 2,119 |
| Total domestic deposits to total assets | 89.3223% | 1,090 |
| Equity capital to assets | 4.2671% | 8,153 |
| Core capital (leverage) ratio | 4.0001% | 8,169 |
| Tier 1 risk-based capital ratio | 4.1442% | 8,198 |
| Total risk-based capital ratio | 5.4263% | 8,198 |
| Memoranda: | ||
| Average total assets | $1,501,441,000 | 485 |
| Average earning assets | $1,346,117,000 | 490 |
| Average equity | $81,161,500 | 811 |
| Average total loans | $1,354,542,000 | 392 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0623% | 991 |
| Cost of funding earning assets | 3.1224% | 1,444 |
| Net interest margin | 3.9399% | 3,403 |
| Noninterest income to average assets | 0.0904% | 7,683 |
| Noninterest expense to average assets | 3.2348% | 3,206 |
| Loan and lease loss provision to assets | 5.4664% | 80 |
| Net operating income to assets | -3.9477% | 7,979 |
| Return on assets (ROA) | -3.9477% | 7,963 |
| Pretax return on assets | -4.9854% | 8,027 |
| Return on Equity (ROE) | -40.9818% | 8,088 |
| Retained earnings to average equity (ytd only) | -40.9818% | 8,058 |
| Net charge-offs to loans | 3.2639% | 255 |
| Credit loss provision to net charge-offs | 182.7528% | 2,727 |
| Earnings coverage of net charge-offs (x) | 0.1608% | 6,154 |
| Efficiency ratio | 87.0543% | 1,762 |
| Assets per employee ($millions) | 5.4530% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7349% | 231 |
| Loan loss allowance to noncurrent loans | 45.1117% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 9.7971% | 172 |
| Noncurrent loans to loans | 8.2792% | 315 |
| Net loans and leases to total assets | 87.9420% | 377 |
| Net loans and leases to deposits | 102.4092% | 1,543 |
| Net loans and leases to core deposits | 134.9711% | 1,535 |
| Total domestic deposits to total assets | 85.8731% | 2,464 |
| Equity capital to assets | 6.5305% | 7,926 |
| Core capital (leverage) ratio | 6.0339% | 8,068 |
| Tier 1 risk-based capital ratio | 6.2451% | 8,218 |
| Total risk-based capital ratio | 7.5231% | 8,219 |
| Memoranda: | ||
| Average total assets | $1,434,789,600 | 485 |
| Average earning assets | $1,320,276,800 | 478 |
| Average equity | $138,210,000 | 510 |
| Average total loans | $1,314,887,600 | 396 |