Home > La Jolla Bank, FSB > Performance and Condition Ratios
La Jolla Bank, FSB, Performance and Condition Ratios
| 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 | 5.5582% | 3,826 |
| Cost of funding earning assets | 2.7527% | 510 |
| Net interest margin | 2.8055% | 7,053 |
| Noninterest income to average assets | -0.0727% | 7,782 |
| Noninterest expense to average assets | 0.8487% | 7,959 |
| Loan and lease loss provision to assets | 8.4698% | 34 |
| Net operating income to assets | -6.6735% | 7,877 |
| Return on assets (ROA) | -6.6636% | 7,870 |
| Pretax return on assets | -6.6856% | 7,846 |
| Return on Equity (ROE) | -101.9400% | 7,934 |
| Retained earnings to average equity (ytd only) | -102.2070% | 7,935 |
| Net charge-offs to loans | 8.0115% | 83 |
| Credit loss provision to net charge-offs | 114.2256% | 4,797 |
| Earnings coverage of net charge-offs (x) | 0.2393% | 5,886 |
| Efficiency ratio | 32.3561% | 7,922 |
| Assets per employee ($millions) | 29.4038% | 53 |
| Cash dividends to net income (ytd only)* | -0.2619% | 7,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8944% | 848 |
| Loan loss allowance to noncurrent loans | 12.8301% | 7,313 |
| Noncurrent assets plus other real estate owned to assets | 21.5670% | 43 |
| Noncurrent loans to loans | 22.5597% | 52 |
| Net loans and leases to total assets | 87.3408% | 206 |
| Net loans and leases to deposits | 113.7583% | 266 |
| Net loans and leases to core deposits | 187.3099% | 129 |
| Total domestic deposits to total assets | 76.7775% | 6,535 |
| Equity capital to assets | 0.7818% | 7,989 |
| Core capital (leverage) ratio | 0.6689% | 7,989 |
| Tier 1 risk-based capital ratio | 0.8960% | 7,990 |
| Total risk-based capital ratio | 1.7919% | 7,990 |
| Memoranda: | ||
| Average total assets | $3,810,003,400 | 216 |
| Average earning assets | $3,660,988,400 | 205 |
| Average equity | $249,053,400 | 287 |
| Average total loans | $3,526,323,600 | 164 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8027% | 2,879 |
| Cost of funding earning assets | 2.8389% | 538 |
| Net interest margin | 2.9639% | 6,700 |
| Noninterest income to average assets | -0.0459% | 7,894 |
| Noninterest expense to average assets | 0.7926% | 8,057 |
| Loan and lease loss provision to assets | 2.2920% | 743 |
| Net operating income to assets | 1.2365% | 1,385 |
| Return on assets (ROA) | 1.2365% | 1,449 |
| Pretax return on assets | -0.2794% | 6,076 |
| Return on Equity (ROE) | 15.6534% | 697 |
| Retained earnings to average equity (ytd only) | 15.3619% | 147 |
| Net charge-offs to loans | 2.5081% | 731 |
| Credit loss provision to net charge-offs | 98.0799% | 5,212 |
| Earnings coverage of net charge-offs (x) | 0.8612% | 5,198 |
| Efficiency ratio | 28.2553% | 8,019 |
| Assets per employee ($millions) | 31.0233% | 52 |
| Cash dividends to net income (ytd only)* | 1.8621% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 3,340 |
| Loan loss allowance to noncurrent loans | 12.5848% | 7,396 |
| Noncurrent assets plus other real estate owned to assets | 12.1808% | 216 |
| Noncurrent loans to loans | 12.0481% | 270 |
| Net loans and leases to total assets | 90.2243% | 107 |
| Net loans and leases to deposits | 125.7061% | 137 |
| Net loans and leases to core deposits | 229.5878% | 61 |
| Total domestic deposits to total assets | 71.7740% | 7,233 |
| Equity capital to assets | 8.2813% | 6,529 |
| Core capital (leverage) ratio | 7.3444% | 7,140 |
| Tier 1 risk-based capital ratio | 9.2961% | 7,494 |
| Total risk-based capital ratio | 11.3836% | 6,795 |
| Memoranda: | ||
| Average total assets | $3,850,986,500 | 225 |
| Average earning assets | $3,704,500,000 | 215 |
| Average equity | $304,190,250 | 255 |
| Average total loans | $3,588,047,500 | 168 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8879% | 2,643 |
| Cost of funding earning assets | 2.8737% | 651 |
| Net interest margin | 3.0142% | 6,509 |
| Noninterest income to average assets | -0.0143% | 7,984 |
| Noninterest expense to average assets | 0.8106% | 8,148 |
| Loan and lease loss provision to assets | 1.2564% | 1,363 |
| Net operating income to assets | 2.5376% | 105 |
| Return on assets (ROA) | 2.5376% | 116 |
| Pretax return on assets | 0.8376% | 3,547 |
| Return on Equity (ROE) | 32.6517% | 51 |
| Retained earnings to average equity (ytd only) | 32.2074% | 32 |
| Net charge-offs to loans | 1.6098% | 1,174 |
| Credit loss provision to net charge-offs | 83.2989% | 5,114 |
| Earnings coverage of net charge-offs (x) | 1.3883% | 4,488 |
| Efficiency ratio | 27.9081% | 8,116 |
| Assets per employee ($millions) | 30.8965% | 52 |
| Cash dividends to net income (ytd only)* | 1.3605% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 3,867 |
| Loan loss allowance to noncurrent loans | 18.1784% | 7,231 |
| Noncurrent assets plus other real estate owned to assets | 7.3281% | 554 |
| Noncurrent loans to loans | 7.5591% | 611 |
| Net loans and leases to total assets | 91.9627% | 61 |
| Net loans and leases to deposits | 141.6253% | 79 |
| Net loans and leases to core deposits | 271.4085% | 50 |
| Total domestic deposits to total assets | 64.9338% | 7,795 |
| Equity capital to assets | 8.4030% | 6,188 |
| Core capital (leverage) ratio | 7.7156% | 6,731 |
| Tier 1 risk-based capital ratio | 9.6901% | 7,237 |
| Total risk-based capital ratio | 11.7557% | 6,320 |
| Memoranda: | ||
| Average total assets | $3,852,350,330 | 227 |
| Average earning assets | $3,730,580,670 | 215 |
| Average equity | $299,396,670 | 262 |
| Average total loans | $3,609,306,330 | 175 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0386% | 2,202 |
| Cost of funding earning assets | 2.9174% | 736 |
| Net interest margin | 3.1211% | 6,137 |
| Noninterest income to average assets | -0.0048% | 8,089 |
| Noninterest expense to average assets | 0.6997% | 8,207 |
| Loan and lease loss provision to assets | 0.8351% | 1,555 |
| Net operating income to assets | 1.4514% | 1,043 |
| Return on assets (ROA) | 1.4514% | 1,116 |
| Pretax return on assets | 1.4963% | 1,676 |
| Return on Equity (ROE) | 19.4794% | 464 |
| Retained earnings to average equity (ytd only) | 18.5478% | 216 |
| Net charge-offs to loans | 0.1419% | 3,825 |
| Credit loss provision to net charge-offs | 626.4683% | 909 |
| Earnings coverage of net charge-offs (x) | 17.4902% | 1,508 |
| Efficiency ratio | 23.0835% | 8,181 |
| Assets per employee ($millions) | 29.6345% | 57 |
| Cash dividends to net income (ytd only)* | 4.7825% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6946% | 2,169 |
| Loan loss allowance to noncurrent loans | 42.6895% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 3.8448% | 1,366 |
| Noncurrent loans to loans | 3.9696% | 1,521 |
| Net loans and leases to total assets | 92.5389% | 53 |
| Net loans and leases to deposits | 153.5165% | 59 |
| Net loans and leases to core deposits | 307.2214% | 36 |
| Total domestic deposits to total assets | 60.2795% | 7,962 |
| Equity capital to assets | 7.5835% | 7,281 |
| Core capital (leverage) ratio | 7.5835% | 7,048 |
| Tier 1 risk-based capital ratio | 9.4348% | 7,481 |
| Total risk-based capital ratio | 11.4996% | 6,574 |
| Memoranda: | ||
| Average total assets | $3,832,045,000 | 227 |
| Average earning assets | $3,727,384,500 | 210 |
| Average equity | $285,532,000 | 274 |
| Average total loans | $3,598,983,000 | 178 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8402% | 1,554 |
| Cost of funding earning assets | 3.5079% | 507 |
| Net interest margin | 3.3324% | 5,924 |
| Noninterest income to average assets | 0.0171% | 8,044 |
| Noninterest expense to average assets | 0.7415% | 8,239 |
| Loan and lease loss provision to assets | 1.4464% | 949 |
| Net operating income to assets | 1.0442% | 2,384 |
| Return on assets (ROA) | 1.0442% | 2,275 |
| Pretax return on assets | 1.0665% | 3,154 |
| Return on Equity (ROE) | 13.3972% | 1,243 |
| Retained earnings to average equity (ytd only) | 0.6692% | 4,833 |
| Net charge-offs to loans | 0.8030% | 1,549 |
| Credit loss provision to net charge-offs | 192.1752% | 2,554 |
| Earnings coverage of net charge-offs (x) | 3.3388% | 4,415 |
| Efficiency ratio | 22.7847% | 8,252 |
| Assets per employee ($millions) | 29.5474% | 56 |
| Cash dividends to net income (ytd only)* | 95.0052% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 2,531 |
| Loan loss allowance to noncurrent loans | 77.7863% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.9079% | 2,572 |
| Noncurrent loans to loans | 1.9701% | 2,799 |
| Net loans and leases to total assets | 92.2638% | 75 |
| Net loans and leases to deposits | 168.7329% | 56 |
| Net loans and leases to core deposits | 340.8192% | 35 |
| Total domestic deposits to total assets | 54.6804% | 8,078 |
| Equity capital to assets | 7.3174% | 7,539 |
| Core capital (leverage) ratio | 7.3174% | 7,394 |
| Tier 1 risk-based capital ratio | 9.0119% | 7,771 |
| Total risk-based capital ratio | 11.0737% | 6,819 |
| Memoranda: | ||
| Average total assets | $3,664,178,000 | 224 |
| Average earning assets | $3,559,738,200 | 211 |
| Average equity | $285,581,800 | 277 |
| Average total loans | $3,434,419,000 | 181 |