Home > Hillcrest Bank Florida > Performance and Condition Ratios
Hillcrest Bank Florida, Performance and Condition Ratios
| 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 | 4.4478% | 7,565 |
| Cost of funding earning assets | 3.4571% | 87 |
| Net interest margin | 0.9907% | 8,023 |
| Noninterest income to average assets | 0.0400% | 7,691 |
| Noninterest expense to average assets | 5.0680% | 463 |
| Loan and lease loss provision to assets | 10.5190% | 19 |
| Net operating income to assets | -20.5102% | 8,085 |
| Return on assets (ROA) | -20.5102% | 8,085 |
| Pretax return on assets | -14.6128% | 8,078 |
| Return on Equity (ROE) | -334.5894% | 8,086 |
| Retained earnings to average equity (ytd only) | -334.5894% | 8,086 |
| Net charge-offs to loans | 18.2085% | 7 |
| Credit loss provision to net charge-offs | 69.0048% | 6,002 |
| Earnings coverage of net charge-offs (x) | -0.2686% | 6,336 |
| Efficiency ratio | 520.2263% | 32 |
| Assets per employee ($millions) | 3.5989% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6836% | 177 |
| Loan loss allowance to noncurrent loans | 13.8740% | 7,364 |
| Noncurrent assets plus other real estate owned to assets | 29.9816% | 8 |
| Noncurrent loans to loans | 33.7581% | 10 |
| Net loans and leases to total assets | 83.3233% | 633 |
| Net loans and leases to deposits | 82.8429% | 3,860 |
| Net loans and leases to core deposits | 121.1211% | 2,145 |
| Total domestic deposits to total assets | 100.5799% | 6 |
| Equity capital to assets | -2.6880% | 8,091 |
| Core capital (leverage) ratio | -2.6198% | 8,093 |
| Tier 1 risk-based capital ratio | -3.2379% | 8,093 |
| Total risk-based capital ratio | -3.2379% | 8,093 |
| Memoranda: | ||
| Average total assets | $96,762,250 | 5,224 |
| Average earning assets | $91,248,500 | 5,117 |
| Average equity | $5,931,500 | 6,685 |
| Average total loans | $81,007,750 | 4,520 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4784% | 7,638 |
| Cost of funding earning assets | 3.4141% | 146 |
| Net interest margin | 1.0643% | 8,094 |
| Noninterest income to average assets | 0.0414% | 7,781 |
| Noninterest expense to average assets | 4.2751% | 983 |
| Loan and lease loss provision to assets | 9.7215% | 40 |
| Net operating income to assets | -21.3991% | 8,177 |
| Return on assets (ROA) | -21.3991% | 8,175 |
| Pretax return on assets | -12.9593% | 8,144 |
| Return on Equity (ROE) | -250.9037% | 8,160 |
| Retained earnings to average equity (ytd only) | -250.9037% | 8,160 |
| Net charge-offs to loans | 13.6606% | 29 |
| Credit loss provision to net charge-offs | 86.0384% | 5,032 |
| Earnings coverage of net charge-offs (x) | -0.2866% | 5,941 |
| Efficiency ratio | 412.1673% | 51 |
| Assets per employee ($millions) | 4.1551% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5477% | 40 |
| Loan loss allowance to noncurrent loans | 27.4798% | 6,668 |
| Noncurrent assets plus other real estate owned to assets | 23.3313% | 25 |
| Noncurrent loans to loans | 27.4665% | 21 |
| Net loans and leases to total assets | 77.1595% | 1,919 |
| Net loans and leases to deposits | 80.4116% | 4,482 |
| Net loans and leases to core deposits | 117.7450% | 2,564 |
| Total domestic deposits to total assets | 95.9557% | 26 |
| Equity capital to assets | 1.8458% | 8,149 |
| Core capital (leverage) ratio | 1.5470% | 8,154 |
| Tier 1 risk-based capital ratio | 1.9455% | 8,157 |
| Total risk-based capital ratio | 3.2700% | 8,156 |
| Memoranda: | ||
| Average total assets | $101,425,000 | 5,124 |
| Average earning assets | $94,900,670 | 5,045 |
| Average equity | $8,650,330 | 5,799 |
| Average total loans | $83,890,670 | 4,465 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0829% | 6,698 |
| Cost of funding earning assets | 3.5375% | 135 |
| Net interest margin | 1.5453% | 8,050 |
| Noninterest income to average assets | 0.1073% | 7,497 |
| Noninterest expense to average assets | 4.1283% | 1,032 |
| Loan and lease loss provision to assets | 3.2466% | 330 |
| Net operating income to assets | -3.6568% | 7,943 |
| Return on assets (ROA) | -3.6568% | 7,935 |
| Pretax return on assets | -5.8493% | 8,041 |
| Return on Equity (ROE) | -31.5541% | 7,919 |
| Retained earnings to average equity (ytd only) | -31.5541% | 7,875 |
| Net charge-offs to loans | 0.3257% | 2,788 |
| Credit loss provision to net charge-offs | 1,210.0000% | 522 |
| Earnings coverage of net charge-offs (x) | -9.7000% | 5,618 |
| Efficiency ratio | 270.6030% | 110 |
| Assets per employee ($millions) | 4.5280% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8901% | 23 |
| Loan loss allowance to noncurrent loans | 50.0033% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 14.9628% | 79 |
| Noncurrent loans to loans | 17.7789% | 56 |
| Net loans and leases to total assets | 74.7592% | 2,564 |
| Net loans and leases to deposits | 89.3021% | 3,050 |
| Net loans and leases to core deposits | 134.7001% | 1,378 |
| Total domestic deposits to total assets | 83.7150% | 3,835 |
| Equity capital to assets | 11.1748% | 2,832 |
| Core capital (leverage) ratio | 6.7544% | 7,781 |
| Tier 1 risk-based capital ratio | 7.3610% | 8,067 |
| Total risk-based capital ratio | 8.6981% | 8,076 |
| Memoranda: | ||
| Average total assets | $104,354,000 | 5,059 |
| Average earning assets | $95,773,000 | 5,030 |
| Average equity | $12,093,500 | 4,809 |
| Average total loans | $85,956,500 | 4,427 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2810% | 4,064 |
| Cost of funding earning assets | 3.9392% | 120 |
| Net interest margin | 2.3418% | 7,890 |
| Noninterest income to average assets | 0.0427% | 7,925 |
| Noninterest expense to average assets | 4.1494% | 1,204 |
| Loan and lease loss provision to assets | 5.8890% | 63 |
| Net operating income to assets | -4.8508% | 8,078 |
| Return on assets (ROA) | -4.8496% | 8,066 |
| Pretax return on assets | -7.7596% | 8,194 |
| Return on Equity (ROE) | -37.6258% | 8,055 |
| Retained earnings to average equity (ytd only) | -37.6258% | 8,017 |
| Net charge-offs to loans | 0.7061% | 1,749 |
| Credit loss provision to net charge-offs | 1,037.8205% | 426 |
| Earnings coverage of net charge-offs (x) | -3.2997% | 6,779 |
| Efficiency ratio | 182.2284% | 239 |
| Assets per employee ($millions) | 4.5462% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8871% | 21 |
| Loan loss allowance to noncurrent loans | 61.3661% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 11.0670% | 125 |
| Noncurrent loans to loans | 12.8525% | 105 |
| Net loans and leases to total assets | 76.1637% | 2,574 |
| Net loans and leases to deposits | 91.6940% | 3,189 |
| Net loans and leases to core deposits | 141.1138% | 1,207 |
| Total domestic deposits to total assets | 83.0628% | 3,742 |
| Equity capital to assets | 12.0014% | 2,293 |
| Core capital (leverage) ratio | 7.5348% | 7,160 |
| Tier 1 risk-based capital ratio | 8.8895% | 7,850 |
| Total risk-based capital ratio | 10.2160% | 7,809 |
| Memoranda: | ||
| Average total assets | $109,967,000 | 4,787 |
| Average earning assets | $104,919,400 | 4,650 |
| Average equity | $14,173,800 | 4,299 |
| Average total loans | $88,376,800 | 4,277 |