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Dwelling House Savings and Loan Association, Performance and Condition Ratios
| 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 | 9.1902% | 50 |
| Cost of funding earning assets | 1.3859% | 6,528 |
| Net interest margin | 7.8042% | 39 |
| Noninterest income to average assets | 0.3096% | 6,031 |
| Noninterest expense to average assets | 36.0495% | 31 |
| Loan and lease loss provision to assets | 0.0590% | 6,633 |
| Net operating income to assets | -28.8249% | 8,185 |
| Return on assets (ROA) | -28.8249% | 8,184 |
| Pretax return on assets | -28.8249% | 8,184 |
| Return on Equity (ROE) | 6,375.3465% | 1 |
| Retained earnings to average equity (ytd only) | 6,375.3465% | 1 |
| Net charge-offs to loans | 0.0876% | 5,323 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | -487.7500% | 6,624 |
| Efficiency ratio | 494.9393% | 40 |
| Assets per employee ($millions) | 1.6184% | 8,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9314% | 1,716 |
| Loan loss allowance to noncurrent loans | 20.5543% | 7,097 |
| Noncurrent assets plus other real estate owned to assets | 7.5539% | 526 |
| Noncurrent loans to loans | 9.3967% | 401 |
| Net loans and leases to total assets | 69.8077% | 3,750 |
| Net loans and leases to deposits | 69.6087% | 6,030 |
| Net loans and leases to core deposits | 69.6087% | 7,041 |
| Total domestic deposits to total assets | 100.2858% | 8 |
| Equity capital to assets | -3.1050% | 8,190 |
| Core capital (leverage) ratio | -3.1050% | 8,188 |
| Tier 1 risk-based capital ratio | -5.5189% | 8,189 |
| Total risk-based capital ratio | -5.5189% | 8,189 |
| Memoranda: | ||
| Average total assets | $13,564,670 | 8,095 |
| Average earning assets | $12,121,670 | 8,081 |
| Average equity | $-61,330 | 8,191 |
| Average total loans | $9,129,670 | 7,895 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7087% | 3,756 |
| Cost of funding earning assets | 0.9146% | 7,795 |
| Net interest margin | 4.7940% | 618 |
| Noninterest income to average assets | 0.1730% | 7,071 |
| Noninterest expense to average assets | 57.6351% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -53.0796% | 8,243 |
| Return on assets (ROA) | -53.0796% | 8,243 |
| Pretax return on assets | -53.0796% | 8,243 |
| Return on Equity (ROE) | -6,755.9633% | 8,247 |
| Retained earnings to average equity (ytd only) | -6,755.9633% | 8,247 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,265.1899% | 16 |
| Assets per employee ($millions) | 1.4886% | 8,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9138% | 1,594 |
| Loan loss allowance to noncurrent loans | 17.8357% | 7,272 |
| Noncurrent assets plus other real estate owned to assets | 8.3899% | 331 |
| Noncurrent loans to loans | 10.7300% | 243 |
| Net loans and leases to total assets | 68.0973% | 4,116 |
| Net loans and leases to deposits | 66.2720% | 6,354 |
| Net loans and leases to core deposits | 66.2720% | 7,227 |
| Total domestic deposits to total assets | 102.7543% | 1 |
| Equity capital to assets | -3.7396% | 8,244 |
| Core capital (leverage) ratio | -3.7396% | 8,245 |
| Tier 1 risk-based capital ratio | -6.8415% | 8,246 |
| Total risk-based capital ratio | -6.8415% | 8,246 |
| Memoranda: | ||
| Average total assets | $13,873,500 | 8,144 |
| Average earning assets | $12,682,500 | 8,122 |
| Average equity | $109,000 | 8,241 |
| Average total loans | $9,086,500 | 7,948 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3763% | 7,496 |
| Cost of funding earning assets | 0.9900% | 8,058 |
| Net interest margin | 4.3862% | 1,732 |
| Noninterest income to average assets | 0.2415% | 6,717 |
| Noninterest expense to average assets | 19.3531% | 53 |
| Loan and lease loss provision to assets | 0.1178% | 5,862 |
| Net operating income to assets | -15.1055% | 8,285 |
| Return on assets (ROA) | -15.1055% | 8,286 |
| Pretax return on assets | -15.1055% | 8,286 |
| Return on Equity (ROE) | -90.0154% | 8,259 |
| Retained earnings to average equity (ytd only) | -90.0154% | 8,256 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 443.3198% | 59 |
| Assets per employee ($millions) | 1.5944% | 8,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0063% | 1,210 |
| Loan loss allowance to noncurrent loans | 22.9677% | 7,104 |
| Noncurrent assets plus other real estate owned to assets | 6.2927% | 453 |
| Noncurrent loans to loans | 8.7353% | 286 |
| Net loans and leases to total assets | 60.5854% | 5,825 |
| Net loans and leases to deposits | 63.9312% | 6,805 |
| Net loans and leases to core deposits | 63.9312% | 7,447 |
| Total domestic deposits to total assets | 94.7666% | 14 |
| Equity capital to assets | 5.0105% | 8,188 |
| Core capital (leverage) ratio | 5.0303% | 8,205 |
| Tier 1 risk-based capital ratio | 9.2045% | 7,609 |
| Total risk-based capital ratio | 10.4666% | 7,544 |
| Memoranda: | ||
| Average total assets | $16,974,000 | 8,103 |
| Average earning assets | $15,959,000 | 8,073 |
| Average equity | $2,848,400 | 7,883 |
| Average total loans | $8,533,600 | 8,010 |