Home > Desert Hills Bank > Performance and Condition Ratios
Desert Hills Bank, 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 | 5.1592% | 5,835 |
| Cost of funding earning assets | 2.8593% | 362 |
| Net interest margin | 2.2999% | 7,594 |
| Noninterest income to average assets | 0.7946% | 2,429 |
| Noninterest expense to average assets | 3.4206% | 2,615 |
| Loan and lease loss provision to assets | 1.2970% | 1,782 |
| Net operating income to assets | -1.7513% | 6,990 |
| Return on assets (ROA) | -1.7325% | 6,985 |
| Pretax return on assets | -1.9541% | 6,927 |
| Return on Equity (ROE) | -36.4598% | 7,515 |
| Retained earnings to average equity (ytd only) | -36.4598% | 7,501 |
| Net charge-offs to loans | 4.0873% | 396 |
| Credit loss provision to net charge-offs | 41.1408% | 6,820 |
| Earnings coverage of net charge-offs (x) | -0.2151% | 6,465 |
| Efficiency ratio | 124.7289% | 536 |
| Assets per employee ($millions) | 4.6407% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6801% | 1,039 |
| Loan loss allowance to noncurrent loans | 63.1301% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 17.9083% | 83 |
| Noncurrent loans to loans | 4.2454% | 1,711 |
| Net loans and leases to total assets | 67.2270% | 3,875 |
| Net loans and leases to deposits | 78.2739% | 4,320 |
| Net loans and leases to core deposits | 108.0055% | 3,101 |
| Total domestic deposits to total assets | 85.8869% | 3,065 |
| Equity capital to assets | 4.5705% | 7,816 |
| Core capital (leverage) ratio | 4.3663% | 7,820 |
| Tier 1 risk-based capital ratio | 5.7992% | 7,827 |
| Total risk-based capital ratio | 7.0629% | 7,832 |
| Memoranda: | ||
| Average total assets | $507,693,800 | 1,356 |
| Average earning assets | $429,972,800 | 1,475 |
| Average equity | $24,125,200 | 2,708 |
| Average total loans | $391,601,600 | 1,227 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2418% | 5,721 |
| Cost of funding earning assets | 3.0049% | 329 |
| Net interest margin | 2.2369% | 7,694 |
| Noninterest income to average assets | 1.0609% | 1,412 |
| Noninterest expense to average assets | 3.3565% | 2,703 |
| Loan and lease loss provision to assets | 1.7199% | 1,080 |
| Net operating income to assets | -2.0971% | 7,357 |
| Return on assets (ROA) | -2.0691% | 7,346 |
| Pretax return on assets | -2.0691% | 7,213 |
| Return on Equity (ROE) | -43.1422% | 7,781 |
| Retained earnings to average equity (ytd only) | -43.1422% | 7,778 |
| Net charge-offs to loans | 4.3785% | 299 |
| Credit loss provision to net charge-offs | 49.6644% | 6,312 |
| Earnings coverage of net charge-offs (x) | -0.1089% | 6,194 |
| Efficiency ratio | 112.6589% | 719 |
| Assets per employee ($millions) | 4.7120% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3069% | 501 |
| Loan loss allowance to noncurrent loans | 42.1194% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 17.3738% | 76 |
| Noncurrent loans to loans | 7.8513% | 628 |
| Net loans and leases to total assets | 66.7488% | 4,246 |
| Net loans and leases to deposits | 77.5620% | 4,809 |
| Net loans and leases to core deposits | 105.6716% | 3,739 |
| Total domestic deposits to total assets | 86.0587% | 2,678 |
| Equity capital to assets | 4.4817% | 7,980 |
| Core capital (leverage) ratio | 4.4392% | 7,956 |
| Tier 1 risk-based capital ratio | 5.9517% | 7,955 |
| Total risk-based capital ratio | 7.2238% | 7,959 |
| Memoranda: | ||
| Average total assets | $510,479,250 | 1,366 |
| Average earning assets | $437,806,250 | 1,452 |
| Average equity | $24,482,750 | 2,692 |
| Average total loans | $403,749,500 | 1,211 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3216% | 5,546 |
| Cost of funding earning assets | 3.1521% | 300 |
| Net interest margin | 2.1694% | 7,770 |
| Noninterest income to average assets | 0.2927% | 6,173 |
| Noninterest expense to average assets | 3.4055% | 2,610 |
| Loan and lease loss provision to assets | 0.7901% | 2,114 |
| Net operating income to assets | -2.0245% | 7,436 |
| Return on assets (ROA) | -1.9822% | 7,420 |
| Pretax return on assets | -1.9822% | 7,282 |
| Return on Equity (ROE) | -40.4188% | 7,852 |
| Retained earnings to average equity (ytd only) | -40.4188% | 7,837 |
| Net charge-offs to loans | 4.0337% | 349 |
| Credit loss provision to net charge-offs | 23.7248% | 6,091 |
| Earnings coverage of net charge-offs (x) | -0.3707% | 6,006 |
| Efficiency ratio | 156.8595% | 339 |
| Assets per employee ($millions) | 4.3562% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0532% | 542 |
| Loan loss allowance to noncurrent loans | 25.5499% | 6,807 |
| Noncurrent assets plus other real estate owned to assets | 18.4693% | 55 |
| Noncurrent loans to loans | 11.9499% | 228 |
| Net loans and leases to total assets | 77.2252% | 1,905 |
| Net loans and leases to deposits | 91.7667% | 2,508 |
| Net loans and leases to core deposits | 124.2387% | 2,003 |
| Total domestic deposits to total assets | 84.1538% | 3,673 |
| Equity capital to assets | 5.2467% | 8,024 |
| Core capital (leverage) ratio | 5.1814% | 8,009 |
| Tier 1 risk-based capital ratio | 6.3626% | 8,039 |
| Total risk-based capital ratio | 7.6338% | 8,045 |
| Memoranda: | ||
| Average total assets | $506,294,330 | 1,403 |
| Average earning assets | $438,367,670 | 1,474 |
| Average equity | $24,830,000 | 2,656 |
| Average total loans | $417,979,670 | 1,195 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6277% | 4,193 |
| Cost of funding earning assets | 3.2674% | 292 |
| Net interest margin | 2.3603% | 7,662 |
| Noninterest income to average assets | 0.7372% | 2,672 |
| Noninterest expense to average assets | 3.0407% | 3,589 |
| Loan and lease loss provision to assets | 0.7859% | 1,633 |
| Net operating income to assets | -1.0343% | 7,274 |
| Return on assets (ROA) | -0.9510% | 7,250 |
| Pretax return on assets | -0.9510% | 7,128 |
| Return on Equity (ROE) | -20.0805% | 7,755 |
| Retained earnings to average equity (ytd only) | -20.0805% | 7,646 |
| Net charge-offs to loans | 5.1881% | 201 |
| Credit loss provision to net charge-offs | 18.0375% | 5,094 |
| Earnings coverage of net charge-offs (x) | -0.0570% | 5,029 |
| Efficiency ratio | 108.8939% | 837 |
| Assets per employee ($millions) | 4.4424% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3349% | 368 |
| Loan loss allowance to noncurrent loans | 25.8863% | 6,847 |
| Noncurrent assets plus other real estate owned to assets | 17.3519% | 51 |
| Noncurrent loans to loans | 12.8828% | 151 |
| Net loans and leases to total assets | 80.5373% | 1,284 |
| Net loans and leases to deposits | 94.9844% | 2,111 |
| Net loans and leases to core deposits | 126.9248% | 1,852 |
| Total domestic deposits to total assets | 84.7900% | 3,307 |
| Equity capital to assets | 4.7874% | 8,130 |
| Core capital (leverage) ratio | 4.5743% | 8,145 |
| Tier 1 risk-based capital ratio | 5.7379% | 8,150 |
| Total risk-based capital ratio | 7.0138% | 8,154 |
| Memoranda: | ||
| Average total assets | $508,958,000 | 1,395 |
| Average earning assets | $443,164,000 | 1,459 |
| Average equity | $24,103,000 | 2,756 |
| Average total loans | $427,441,000 | 1,186 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5779% | 2,592 |
| Cost of funding earning assets | 3.6020% | 388 |
| Net interest margin | 2.9760% | 6,973 |
| Noninterest income to average assets | -0.4252% | 8,264 |
| Noninterest expense to average assets | 3.5344% | 2,302 |
| Loan and lease loss provision to assets | 3.6966% | 196 |
| Net operating income to assets | -4.8571% | 8,081 |
| Return on assets (ROA) | -4.8009% | 8,058 |
| Pretax return on assets | -4.8953% | 8,011 |
| Return on Equity (ROE) | -59.6428% | 8,202 |
| Retained earnings to average equity (ytd only) | -59.6428% | 8,189 |
| Net charge-offs to loans | 0.8715% | 1,432 |
| Credit loss provision to net charge-offs | 481.7411% | 914 |
| Earnings coverage of net charge-offs (x) | -1.6369% | 6,681 |
| Efficiency ratio | 142.3024% | 387 |
| Assets per employee ($millions) | 4.0919% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2996% | 154 |
| Loan loss allowance to noncurrent loans | 51.8177% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 12.8275% | 87 |
| Noncurrent loans to loans | 8.2976% | 314 |
| Net loans and leases to total assets | 81.0054% | 1,436 |
| Net loans and leases to deposits | 99.4948% | 1,905 |
| Net loans and leases to core deposits | 134.4295% | 1,574 |
| Total domestic deposits to total assets | 81.4167% | 4,451 |
| Equity capital to assets | 4.6846% | 8,215 |
| Core capital (leverage) ratio | 4.5074% | 8,242 |
| Tier 1 risk-based capital ratio | 5.4866% | 8,252 |
| Total risk-based capital ratio | 6.7766% | 8,252 |
| Memoranda: | ||
| Average total assets | $507,468,400 | 1,331 |
| Average earning assets | $461,027,400 | 1,353 |
| Average equity | $40,848,200 | 1,638 |
| Average total loans | $446,811,000 | 1,073 |