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Arcola Homestead Savings Bank, Performance and Condition Ratios
| 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 | 6.0633% | 852 |
| Cost of funding earning assets | 2.8195% | 78 |
| Net interest margin | 3.2437% | 6,149 |
| Noninterest income to average assets | 0.0458% | 7,482 |
| Noninterest expense to average assets | 4.1634% | 844 |
| Loan and lease loss provision to assets | 13.0165% | 13 |
| Net operating income to assets | -14.1603% | 7,919 |
| Return on assets (ROA) | -14.1603% | 7,919 |
| Pretax return on assets | -14.1603% | 7,919 |
| Return on Equity (ROE) | 300.1212% | 6 |
| Retained earnings to average equity (ytd only) | 300.1212% | 5 |
| Net charge-offs to loans | -0.3074% | 7,748 |
| Credit loss provision to net charge-offs | -5,690.0000% | 6,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.8788% | 273 |
| Assets per employee ($millions) | 2.8380% | 6,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.5082% | 7 |
| Loan loss allowance to noncurrent loans | 306.1189% | 981 |
| Noncurrent assets plus other real estate owned to assets | 3.3592% | 2,118 |
| Noncurrent loans to loans | 4.7394% | 1,556 |
| Net loans and leases to total assets | 60.5943% | 5,022 |
| Net loans and leases to deposits | 57.0307% | 6,696 |
| Net loans and leases to core deposits | 61.4386% | 6,642 |
| Total domestic deposits to total assets | 106.2485% | 1 |
| Equity capital to assets | -6.6655% | 7,933 |
| Core capital (leverage) ratio | -6.3603% | 7,934 |
| Tier 1 risk-based capital ratio | -11.5112% | 7,933 |
| Total risk-based capital ratio | -11.5112% | 7,933 |
| Memoranda: | ||
| Average total assets | $17,485,500 | 7,781 |
| Average earning assets | $16,031,000 | 7,753 |
| Average equity | $-825,000 | 7,929 |
| Average total loans | $13,013,000 | 7,494 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0677% | 253 |
| Cost of funding earning assets | 3.0791% | 186 |
| Net interest margin | 3.9886% | 2,904 |
| Noninterest income to average assets | 0.0973% | 7,279 |
| Noninterest expense to average assets | 3.1894% | 3,408 |
| Loan and lease loss provision to assets | 16.3365% | 3 |
| Net operating income to assets | -15.7123% | 7,999 |
| Return on assets (ROA) | -15.7123% | 7,999 |
| Pretax return on assets | -15.7123% | 8,000 |
| Return on Equity (ROE) | -160.7122% | 7,994 |
| Retained earnings to average equity (ytd only) | -160.7122% | 7,994 |
| Net charge-offs to loans | 12.1713% | 21 |
| Credit loss provision to net charge-offs | 158.0609% | 2,845 |
| Earnings coverage of net charge-offs (x) | 0.0604% | 6,106 |
| Efficiency ratio | 83.6336% | 2,395 |
| Assets per employee ($millions) | 2.9905% | 6,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3901% | 36 |
| Loan loss allowance to noncurrent loans | 160.1915% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 4.0740% | 1,620 |
| Noncurrent loans to loans | 5.2375% | 1,260 |
| Net loans and leases to total assets | 71.2590% | 2,937 |
| Net loans and leases to deposits | 69.5345% | 5,669 |
| Net loans and leases to core deposits | 90.2265% | 5,100 |
| Total domestic deposits to total assets | 102.4801% | 4 |
| Equity capital to assets | -2.8702% | 8,008 |
| Core capital (leverage) ratio | -2.4798% | 8,008 |
| Tier 1 risk-based capital ratio | -3.6087% | 8,007 |
| Total risk-based capital ratio | -3.6087% | 8,007 |
| Memoranda: | ||
| Average total assets | $17,464,000 | 7,840 |
| Average earning assets | $16,271,200 | 7,814 |
| Average equity | $1,707,400 | 7,890 |
| Average total loans | $14,830,000 | 7,464 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8481% | 388 |
| Cost of funding earning assets | 3.1075% | 241 |
| Net interest margin | 3.7405% | 3,908 |
| Noninterest income to average assets | 0.1076% | 7,365 |
| Noninterest expense to average assets | 2.7905% | 4,933 |
| Loan and lease loss provision to assets | 0.2152% | 5,264 |
| Net operating income to assets | 0.5996% | 3,604 |
| Return on assets (ROA) | 0.5996% | 3,658 |
| Pretax return on assets | 0.5996% | 4,189 |
| Return on Equity (ROE) | 4.5957% | 4,116 |
| Retained earnings to average equity (ytd only) | 4.5957% | 2,706 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3987% | 3,259 |
| Assets per employee ($millions) | 4.7708% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 6,798 |
| Loan loss allowance to noncurrent loans | 38.6189% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 2.0489% | 3,287 |
| Noncurrent loans to loans | 2.3027% | 3,262 |
| Net loans and leases to total assets | 88.1884% | 197 |
| Net loans and leases to deposits | 101.0265% | 1,010 |
| Net loans and leases to core deposits | 191.6306% | 127 |
| Total domestic deposits to total assets | 87.2924% | 2,023 |
| Equity capital to assets | 12.0893% | 2,197 |
| Core capital (leverage) ratio | 12.0804% | 1,768 |
| Tier 1 risk-based capital ratio | 13.4159% | 3,912 |
| Total risk-based capital ratio | 14.2940% | 4,098 |
| Memoranda: | ||
| Average total assets | $17,344,250 | 7,923 |
| Average earning assets | $16,218,250 | 7,890 |
| Average equity | $2,263,000 | 7,865 |
| Average total loans | $15,048,250 | 7,519 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6596% | 585 |
| Cost of funding earning assets | 3.1706% | 288 |
| Net interest margin | 3.4890% | 4,847 |
| Noninterest income to average assets | 0.0835% | 7,561 |
| Noninterest expense to average assets | 2.5888% | 5,784 |
| Loan and lease loss provision to assets | 0.1432% | 5,638 |
| Net operating income to assets | 0.6204% | 3,587 |
| Return on assets (ROA) | 0.6204% | 3,701 |
| Pretax return on assets | 0.6204% | 4,270 |
| Return on Equity (ROE) | 4.6257% | 4,242 |
| Retained earnings to average equity (ytd only) | 4.6257% | 2,721 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2242% | 3,467 |
| Assets per employee ($millions) | 4.6170% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 6,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 83.3604% | 734 |
| Net loans and leases to deposits | 95.8116% | 1,827 |
| Net loans and leases to core deposits | 171.9920% | 298 |
| Total domestic deposits to total assets | 87.0045% | 2,255 |
| Equity capital to assets | 12.3511% | 2,006 |
| Core capital (leverage) ratio | 12.4509% | 1,640 |
| Tier 1 risk-based capital ratio | 16.5494% | 2,431 |
| Total risk-based capital ratio | 17.5288% | 2,469 |
| Memoranda: | ||
| Average total assets | $16,764,670 | 8,020 |
| Average earning assets | $15,706,670 | 7,982 |
| Average equity | $2,248,330 | 7,945 |
| Average total loans | $14,404,330 | 7,626 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0469% | 2,167 |
| Cost of funding earning assets | 3.1700% | 374 |
| Net interest margin | 2.8769% | 6,808 |
| Noninterest income to average assets | 0.0503% | 7,829 |
| Noninterest expense to average assets | 2.4634% | 5,983 |
| Loan and lease loss provision to assets | 0.1508% | 4,995 |
| Net operating income to assets | 0.1508% | 5,816 |
| Return on assets (ROA) | 0.1508% | 5,984 |
| Pretax return on assets | 0.1508% | 6,048 |
| Return on Equity (ROE) | 1.0753% | 6,101 |
| Retained earnings to average equity (ytd only) | 1.0753% | 5,209 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0909% | 1,801 |
| Assets per employee ($millions) | 4.2603% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8719% | 6,867 |
| Loan loss allowance to noncurrent loans | 22.5919% | 7,037 |
| Noncurrent assets plus other real estate owned to assets | 3.3507% | 1,632 |
| Noncurrent loans to loans | 3.8594% | 1,587 |
| Net loans and leases to total assets | 86.0630% | 437 |
| Net loans and leases to deposits | 99.5250% | 1,472 |
| Net loans and leases to core deposits | 195.5467% | 156 |
| Total domestic deposits to total assets | 86.4738% | 2,461 |
| Equity capital to assets | 13.1154% | 1,692 |
| Core capital (leverage) ratio | 13.8809% | 1,214 |
| Tier 1 risk-based capital ratio | 17.0248% | 2,335 |
| Total risk-based capital ratio | 18.0079% | 2,351 |
| Memoranda: | ||
| Average total assets | $15,913,000 | 8,090 |
| Average earning assets | $15,016,000 | 8,053 |
| Average equity | $2,232,000 | 8,002 |
| Average total loans | $13,841,500 | 7,702 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3386% | 7,555 |
| Cost of funding earning assets | 3.2438% | 1,056 |
| Net interest margin | 2.0948% | 8,019 |
| Noninterest income to average assets | 0.1031% | 7,621 |
| Noninterest expense to average assets | 3.7978% | 1,759 |
| Loan and lease loss provision to assets | 0.9471% | 1,560 |
| Net operating income to assets | -2.6819% | 7,755 |
| Return on assets (ROA) | -2.6819% | 7,728 |
| Pretax return on assets | -2.7100% | 7,643 |
| Return on Equity (ROE) | -11.8781% | 7,418 |
| Retained earnings to average equity (ytd only) | -11.8781% | 7,236 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 186.6359% | 226 |
| Assets per employee ($millions) | 2.9570% | 6,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 6,377 |
| Loan loss allowance to noncurrent loans | 21.5412% | 7,162 |
| Noncurrent assets plus other real estate owned to assets | 3.8620% | 1,090 |
| Noncurrent loans to loans | 4.4305% | 1,076 |
| Net loans and leases to total assets | 86.3375% | 566 |
| Net loans and leases to deposits | 102.2673% | 1,559 |
| Net loans and leases to core deposits | 205.7212% | 153 |
| Total domestic deposits to total assets | 84.4234% | 3,117 |
| Equity capital to assets | 15.0761% | 1,141 |
| Core capital (leverage) ratio | 16.5037% | 760 |
| Tier 1 risk-based capital ratio | 19.3722% | 1,737 |
| Total risk-based capital ratio | 20.4417% | 1,724 |
| Memoranda: | ||
| Average total assets | $10,664,200 | 8,237 |
| Average earning assets | $9,834,000 | 8,221 |
| Average equity | $2,407,800 | 8,017 |
| Average total loans | $6,746,800 | 8,092 |