Home > Haven Trust Bank Florida > Performance and Condition Ratios
Haven Trust Bank Florida, Performance and Condition Ratios
| 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 | 5.2860% | 3,533 |
| Cost of funding earning assets | 2.6459% | 109 |
| Net interest margin | 2.6401% | 7,314 |
| Noninterest income to average assets | 0.0201% | 7,464 |
| Noninterest expense to average assets | 3.8265% | 1,313 |
| Loan and lease loss provision to assets | 2.5401% | 440 |
| Net operating income to assets | -4.0376% | 7,628 |
| Return on assets (ROA) | -4.0376% | 7,633 |
| Pretax return on assets | -4.0376% | 7,606 |
| Return on Equity (ROE) | -135.5452% | 7,771 |
| Retained earnings to average equity (ytd only) | -135.5452% | 7,771 |
| Net charge-offs to loans | 6.7611% | 95 |
| Credit loss provision to net charge-offs | 49.0063% | 5,445 |
| Earnings coverage of net charge-offs (x) | -0.2889% | 5,923 |
| Efficiency ratio | 164.2934% | 166 |
| Assets per employee ($millions) | 8.7397% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9781% | 384 |
| Loan loss allowance to noncurrent loans | 24.7289% | 6,687 |
| Noncurrent assets plus other real estate owned to assets | 18.5650% | 75 |
| Noncurrent loans to loans | 16.0869% | 143 |
| Net loans and leases to total assets | 75.2031% | 1,648 |
| Net loans and leases to deposits | 83.6569% | 2,939 |
| Net loans and leases to core deposits | 105.2804% | 1,512 |
| Total domestic deposits to total assets | 89.8947% | 976 |
| Equity capital to assets | 2.2541% | 7,781 |
| Core capital (leverage) ratio | 2.0364% | 7,777 |
| Tier 1 risk-based capital ratio | 2.4701% | 7,787 |
| Total risk-based capital ratio | 3.7485% | 7,787 |
| Memoranda: | ||
| Average total assets | $159,205,330 | 3,804 |
| Average earning assets | $139,236,330 | 3,918 |
| Average equity | $4,742,330 | 6,863 |
| Average total loans | $122,050,330 | 3,363 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9520% | 5,228 |
| Cost of funding earning assets | 2.6274% | 153 |
| Net interest margin | 2.3246% | 7,581 |
| Noninterest income to average assets | 0.9069% | 1,596 |
| Noninterest expense to average assets | 3.8779% | 1,210 |
| Loan and lease loss provision to assets | 3.8293% | 235 |
| Net operating income to assets | -4.7654% | 7,772 |
| Return on assets (ROA) | -4.7654% | 7,779 |
| Pretax return on assets | -4.7654% | 7,748 |
| Return on Equity (ROE) | -144.1441% | 7,865 |
| Retained earnings to average equity (ytd only) | -144.1441% | 7,863 |
| Net charge-offs to loans | 7.6833% | 103 |
| Credit loss provision to net charge-offs | 65.6524% | 4,188 |
| Earnings coverage of net charge-offs (x) | -0.1605% | 5,139 |
| Efficiency ratio | 131.8182% | 321 |
| Assets per employee ($millions) | 8.2354% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8643% | 192 |
| Loan loss allowance to noncurrent loans | 22.1535% | 6,904 |
| Noncurrent assets plus other real estate owned to assets | 21.8065% | 42 |
| Noncurrent loans to loans | 21.9574% | 62 |
| Net loans and leases to total assets | 70.1648% | 2,893 |
| Net loans and leases to deposits | 77.8344% | 4,075 |
| Net loans and leases to core deposits | 96.8466% | 2,483 |
| Total domestic deposits to total assets | 90.1462% | 918 |
| Equity capital to assets | 2.7370% | 7,860 |
| Core capital (leverage) ratio | 2.6820% | 7,856 |
| Tier 1 risk-based capital ratio | 3.2556% | 7,866 |
| Total risk-based capital ratio | 4.5432% | 7,865 |
| Memoranda: | ||
| Average total assets | $164,520,500 | 3,754 |
| Average earning assets | $144,022,500 | 3,868 |
| Average equity | $5,439,000 | 6,694 |
| Average total loans | $124,894,500 | 3,367 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4774% | 4,279 |
| Cost of funding earning assets | 3.1334% | 152 |
| Net interest margin | 2.3440% | 7,549 |
| Noninterest income to average assets | 0.0585% | 7,464 |
| Noninterest expense to average assets | 3.2353% | 3,253 |
| Loan and lease loss provision to assets | 5.5498% | 145 |
| Net operating income to assets | -6.5829% | 7,866 |
| Return on assets (ROA) | -6.5829% | 7,860 |
| Pretax return on assets | -6.5829% | 7,841 |
| Return on Equity (ROE) | -101.2944% | 7,931 |
| Retained earnings to average equity (ytd only) | -101.2944% | 7,931 |
| Net charge-offs to loans | 4.2799% | 356 |
| Credit loss provision to net charge-offs | 160.2695% | 2,781 |
| Earnings coverage of net charge-offs (x) | -0.2984% | 6,546 |
| Efficiency ratio | 146.9152% | 340 |
| Assets per employee ($millions) | 7.4697% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2473% | 148 |
| Loan loss allowance to noncurrent loans | 32.0680% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 18.8800% | 70 |
| Noncurrent loans to loans | 16.3631% | 133 |
| Net loans and leases to total assets | 73.9839% | 2,277 |
| Net loans and leases to deposits | 83.0272% | 3,444 |
| Net loans and leases to core deposits | 130.6581% | 1,246 |
| Total domestic deposits to total assets | 89.1081% | 1,432 |
| Equity capital to assets | 3.8763% | 7,867 |
| Core capital (leverage) ratio | 3.7710% | 7,859 |
| Tier 1 risk-based capital ratio | 4.3963% | 7,895 |
| Total risk-based capital ratio | 5.6878% | 7,898 |
| Memoranda: | ||
| Average total assets | $169,286,600 | 3,629 |
| Average earning assets | $154,817,800 | 3,616 |
| Average equity | $11,001,600 | 5,022 |
| Average total loans | $136,965,200 | 3,137 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5295% | 4,272 |
| Cost of funding earning assets | 3.1944% | 192 |
| Net interest margin | 2.3351% | 7,613 |
| Noninterest income to average assets | 0.0571% | 7,615 |
| Noninterest expense to average assets | 2.7686% | 5,022 |
| Loan and lease loss provision to assets | 7.2676% | 61 |
| Net operating income to assets | -7.8204% | 8,004 |
| Return on assets (ROA) | -7.8204% | 8,004 |
| Pretax return on assets | -7.8204% | 7,991 |
| Return on Equity (ROE) | -109.6728% | 8,028 |
| Retained earnings to average equity (ytd only) | -109.6728% | 8,027 |
| Net charge-offs to loans | 2.1792% | 886 |
| Credit loss provision to net charge-offs | 408.7511% | 973 |
| Earnings coverage of net charge-offs (x) | -0.3109% | 6,367 |
| Efficiency ratio | 124.9471% | 532 |
| Assets per employee ($millions) | 7.3806% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4250% | 38 |
| Loan loss allowance to noncurrent loans | 48.5166% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 16.6760% | 87 |
| Noncurrent loans to loans | 15.3041% | 138 |
| Net loans and leases to total assets | 75.0708% | 2,231 |
| Net loans and leases to deposits | 84.6485% | 3,545 |
| Net loans and leases to core deposits | 134.0800% | 1,202 |
| Total domestic deposits to total assets | 88.6853% | 1,346 |
| Equity capital to assets | 4.4753% | 7,981 |
| Core capital (leverage) ratio | 4.1627% | 7,972 |
| Tier 1 risk-based capital ratio | 4.9778% | 7,995 |
| Total risk-based capital ratio | 6.2954% | 7,997 |
| Memoranda: | ||
| Average total assets | $170,525,000 | 3,623 |
| Average earning assets | $157,646,500 | 3,588 |
| Average equity | $12,159,500 | 4,753 |
| Average total loans | $139,128,250 | 3,136 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5919% | 4,115 |
| Cost of funding earning assets | 3.1862% | 276 |
| Net interest margin | 2.4056% | 7,567 |
| Noninterest income to average assets | 0.0562% | 7,711 |
| Noninterest expense to average assets | 2.5272% | 6,030 |
| Loan and lease loss provision to assets | 8.1894% | 68 |
| Net operating income to assets | -8.4119% | 8,083 |
| Return on assets (ROA) | -8.4119% | 8,078 |
| Pretax return on assets | -8.4119% | 8,061 |
| Return on Equity (ROE) | -105.0121% | 8,081 |
| Retained earnings to average equity (ytd only) | -105.0121% | 8,080 |
| Net charge-offs to loans | 3.2130% | 501 |
| Credit loss provision to net charge-offs | 311.7700% | 1,497 |
| Earnings coverage of net charge-offs (x) | -0.0847% | 5,782 |
| Efficiency ratio | 109.6545% | 858 |
| Assets per employee ($millions) | 8.5263% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5862% | 94 |
| Loan loss allowance to noncurrent loans | 50.1261% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 9.4716% | 336 |
| Noncurrent loans to loans | 11.1444% | 267 |
| Net loans and leases to total assets | 75.0419% | 2,423 |
| Net loans and leases to deposits | 85.4831% | 3,650 |
| Net loans and leases to core deposits | 126.2072% | 1,849 |
| Total domestic deposits to total assets | 87.7857% | 1,883 |
| Equity capital to assets | 5.7598% | 7,967 |
| Core capital (leverage) ratio | 5.9640% | 7,930 |
| Tier 1 risk-based capital ratio | 6.5363% | 8,033 |
| Total risk-based capital ratio | 7.8330% | 8,039 |
| Memoranda: | ||
| Average total assets | $170,782,330 | 3,623 |
| Average earning assets | $159,625,000 | 3,565 |
| Average equity | $13,680,330 | 4,375 |
| Average total loans | $139,619,000 | 3,148 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7080% | 3,760 |
| Cost of funding earning assets | 3.3115% | 261 |
| Net interest margin | 2.3965% | 7,619 |
| Noninterest income to average assets | 0.0480% | 7,843 |
| Noninterest expense to average assets | 2.6427% | 5,250 |
| Loan and lease loss provision to assets | 0.6073% | 2,074 |
| Net operating income to assets | -0.9577% | 7,228 |
| Return on assets (ROA) | -0.9577% | 7,252 |
| Pretax return on assets | -0.9577% | 7,132 |
| Return on Equity (ROE) | -10.3879% | 7,386 |
| Retained earnings to average equity (ytd only) | -10.3879% | 7,146 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.2880% | 705 |
| Assets per employee ($millions) | 7.6526% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4572% | 796 |
| Loan loss allowance to noncurrent loans | 36.5619% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 5.8554% | 699 |
| Noncurrent loans to loans | 6.7207% | 623 |
| Net loans and leases to total assets | 81.4407% | 1,109 |
| Net loans and leases to deposits | 96.8736% | 1,815 |
| Net loans and leases to core deposits | 141.9585% | 1,013 |
| Total domestic deposits to total assets | 84.0691% | 3,674 |
| Equity capital to assets | 9.0082% | 5,340 |
| Core capital (leverage) ratio | 9.0501% | 4,620 |
| Tier 1 risk-based capital ratio | 9.6566% | 7,289 |
| Total risk-based capital ratio | 10.9184% | 7,202 |
| Memoranda: | ||
| Average total assets | $166,647,500 | 3,715 |
| Average earning assets | $156,061,000 | 3,646 |
| Average equity | $15,364,000 | 4,071 |
| Average total loans | $138,271,500 | 3,205 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8957% | 6,054 |
| Cost of funding earning assets | 3.2759% | 991 |
| Net interest margin | 2.6199% | 7,620 |
| Noninterest income to average assets | 0.1249% | 7,492 |
| Noninterest expense to average assets | 3.2785% | 3,041 |
| Loan and lease loss provision to assets | 3.2748% | 264 |
| Net operating income to assets | -4.0127% | 7,991 |
| Return on assets (ROA) | -4.0127% | 7,974 |
| Pretax return on assets | -4.0127% | 7,889 |
| Return on Equity (ROE) | -34.2724% | 8,014 |
| Retained earnings to average equity (ytd only) | -34.2724% | 7,974 |
| Net charge-offs to loans | 3.1414% | 277 |
| Credit loss provision to net charge-offs | 127.8990% | 4,171 |
| Earnings coverage of net charge-offs (x) | -0.2882% | 6,410 |
| Efficiency ratio | 129.0425% | 472 |
| Assets per employee ($millions) | 7.1712% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3533% | 796 |
| Loan loss allowance to noncurrent loans | 59.1497% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 3.4510% | 1,290 |
| Noncurrent loans to loans | 3.9786% | 1,242 |
| Net loans and leases to total assets | 80.5016% | 1,550 |
| Net loans and leases to deposits | 92.1646% | 3,102 |
| Net loans and leases to core deposits | 132.8660% | 1,665 |
| Total domestic deposits to total assets | 87.3455% | 1,777 |
| Equity capital to assets | 9.4351% | 4,780 |
| Core capital (leverage) ratio | 10.0234% | 3,420 |
| Tier 1 risk-based capital ratio | 10.3035% | 6,413 |
| Total risk-based capital ratio | 11.5641% | 6,281 |
| Memoranda: | ||
| Average total assets | $136,068,200 | 4,162 |
| Average earning assets | $125,463,600 | 4,142 |
| Average equity | $15,931,200 | 3,941 |
| Average total loans | $110,907,000 | 3,658 |