Home > Bank Irvine > Performance and Condition Ratios
Bank Irvine, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1801% | 196 |
| Cost of funding earning assets | 1.6440% | 1,587 |
| Net interest margin | 5.5361% | 177 |
| Noninterest income to average assets | 0.0100% | 4,513 |
| Noninterest expense to average assets | 3.8014% | 427 |
| Loan and lease loss provision to assets | 1.2600% | 49 |
| Net operating income to assets | 0.2083% | 4,157 |
| Return on assets (ROA) | 0.2083% | 4,170 |
| Pretax return on assets | 0.3790% | 3,992 |
| Return on Equity (ROE) | 0.8700% | 4,273 |
| Retained earnings to average equity (ytd only) | 0.8683% | 3,861 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.9168% | 1,889 |
| Assets per employee ($millions) | 8.3092% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 2,621 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.2900% | 2,434 |
| Net loans and leases to deposits | 75.8478% | 2,470 |
| Net loans and leases to core deposits | 128.0486% | 438 |
| Total domestic deposits to total assets | 84.7600% | 2,391 |
| Equity capital to assets | 14.3792% | 621 |
| Core capital (leverage) ratio | 15.5096% | 547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $117,142,000 | 3,681 |
| Average earning assets | $114,900,200 | 3,594 |
| Average equity | $28,101,400 | 2,356 |
| Average total loans | $65,619,800 | 3,617 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4336% | 150 |
| Cost of funding earning assets | 1.3777% | 1,923 |
| Net interest margin | 6.0559% | 100 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 4.3241% | 300 |
| Loan and lease loss provision to assets | 1.0600% | 57 |
| Net operating income to assets | 0.2099% | 4,219 |
| Return on assets (ROA) | 0.2099% | 4,236 |
| Pretax return on assets | 0.5398% | 3,842 |
| Return on Equity (ROE) | 0.7200% | 4,342 |
| Retained earnings to average equity (ytd only) | 0.7249% | 4,002 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.9560% | 1,456 |
| Assets per employee ($millions) | 7.5826% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 3,423 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 52.0700% | 3,490 |
| Net loans and leases to deposits | 63.5482% | 3,291 |
| Net loans and leases to core deposits | 93.4559% | 1,707 |
| Total domestic deposits to total assets | 81.9300% | 3,226 |
| Equity capital to assets | 17.1097% | 391 |
| Core capital (leverage) ratio | 14.6884% | 682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $96,572,500 | 3,871 |
| Average earning assets | $94,451,250 | 3,812 |
| Average equity | $27,958,000 | 2,356 |
| Average total loans | $49,606,250 | 3,855 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3866% | 287 |
| Cost of funding earning assets | 1.1464% | 2,141 |
| Net interest margin | 5.2402% | 226 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 5.3118% | 204 |
| Loan and lease loss provision to assets | 1.6000% | 37 |
| Net operating income to assets | -1.8071% | 4,623 |
| Return on assets (ROA) | -1.8071% | 4,622 |
| Pretax return on assets | -1.8043% | 4,614 |
| Return on Equity (ROE) | -4.7600% | 4,538 |
| Retained earnings to average equity (ytd only) | -4.7617% | 4,412 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 104.0707% | 125 |
| Assets per employee ($millions) | 6.4188% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 3,387 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 51.9700% | 3,412 |
| Net loans and leases to deposits | 67.0738% | 2,987 |
| Net loans and leases to core deposits | 90.8919% | 1,743 |
| Total domestic deposits to total assets | 77.4900% | 3,897 |
| Equity capital to assets | 21.4900% | 241 |
| Core capital (leverage) ratio | 23.6527% | 178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $73,157,333 | 4,117 |
| Average earning assets | $71,180,667 | 4,062 |
| Average equity | $27,763,333 | 2,376 |
| Average total loans | $36,900,333 | 4,063 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1945% | 959 |
| Cost of funding earning assets | 1.1360% | 1,641 |
| Net interest margin | 4.0585% | 1,163 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 9.0366% | 116 |
| Loan and lease loss provision to assets | 1.8600% | 39 |
| Net operating income to assets | -6.9992% | 4,675 |
| Return on assets (ROA) | -6.9992% | 4,672 |
| Pretax return on assets | -6.9992% | 4,673 |
| Return on Equity (ROE) | -11.4500% | 4,602 |
| Retained earnings to average equity (ytd only) | -11.4466% | 4,501 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 231.7568% | 19 |
| Assets per employee ($millions) | 2.5940% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 3,669 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 61.3300% | 2,529 |
| Net loans and leases to deposits | 138.3014% | 27 |
| Net loans and leases to core deposits | 243.1902% | 22 |
| Total domestic deposits to total assets | 44.3500% | 4,588 |
| Equity capital to assets | 52.9144% | 81 |
| Core capital (leverage) ratio | 58.8215% | 75 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $45,548,000 | 4,452 |
| Average earning assets | $43,661,500 | 4,417 |
| Average equity | $27,851,000 | 2,396 |
| Average total loans | $21,649,500 | 4,365 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7023% | 4,693 |
| Cost of funding earning assets | 0.0375% | 4,597 |
| Net interest margin | 0.6648% | 4,692 |
| Noninterest income to average assets | 0.0000% | 4,670 |
| Noninterest expense to average assets | 4.8424% | 232 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | -4.4548% | 4,707 |
| Return on assets (ROA) | -4.4548% | 4,706 |
| Pretax return on assets | -4.4548% | 4,704 |
| Return on Equity (ROE) | -6.1800% | 4,637 |
| Retained earnings to average equity (ytd only) | -6.1841% | 4,595 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 762.6506% | 7 |
| Assets per employee ($millions) | 1.9608% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8683% | 3,875 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 28.2400% | 4,431 |
| Net loans and leases to deposits | 115.6795% | 100 |
| Net loans and leases to core deposits | 129.1730% | 238 |
| Total domestic deposits to total assets | 24.4100% | 4,634 |
| Equity capital to assets | 72.0369% | 69 |
| Core capital (leverage) ratio | 86.9391% | 43 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $39,216,000 | 4,536 |
| Average earning assets | $37,306,000 | 4,505 |
| Average equity | $28,250,000 | 2,419 |
| Average total loans | $11,171,000 | 4,542 |