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Enfield Federal Savings and Loan Association, Performance and Condition Ratios
| 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 | 5.5345% | 4,728 |
| Cost of funding earning assets | 2.5348% | 1,785 |
| Net interest margin | 2.9997% | 6,479 |
| Noninterest income to average assets | 0.2537% | 6,432 |
| Noninterest expense to average assets | 2.7647% | 4,722 |
| Loan and lease loss provision to assets | 0.2020% | 4,426 |
| Net operating income to assets | 0.1098% | 5,954 |
| Return on assets (ROA) | 0.1540% | 5,977 |
| Pretax return on assets | 0.1174% | 6,126 |
| Return on Equity (ROE) | 1.9560% | 5,787 |
| Retained earnings to average equity (ytd only) | 1.9560% | 4,766 |
| Net charge-offs to loans | 0.1281% | 3,936 |
| Credit loss provision to net charge-offs | 216.2162% | 2,085 |
| Earnings coverage of net charge-offs (x) | 2.9459% | 3,324 |
| Efficiency ratio | 89.7425% | 1,741 |
| Assets per employee ($millions) | 4.6541% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9655% | 6,394 |
| Loan loss allowance to noncurrent loans | 59.2067% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 1.2118% | 4,253 |
| Noncurrent loans to loans | 1.6307% | 3,831 |
| Net loans and leases to total assets | 70.9676% | 3,477 |
| Net loans and leases to deposits | 102.1865% | 1,158 |
| Net loans and leases to core deposits | 125.7176% | 1,938 |
| Total domestic deposits to total assets | 69.4491% | 7,477 |
| Equity capital to assets | 7.6968% | 7,181 |
| Core capital (leverage) ratio | 7.5207% | 7,133 |
| Tier 1 risk-based capital ratio | 11.1598% | 5,746 |
| Total risk-based capital ratio | 12.1865% | 5,866 |
| Memoranda: | ||
| Average total assets | $316,848,500 | 2,175 |
| Average earning assets | $294,300,000 | 2,159 |
| Average equity | $24,949,500 | 2,653 |
| Average total loans | $231,013,000 | 2,090 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0429% | 5,338 |
| Cost of funding earning assets | 2.7498% | 2,927 |
| Net interest margin | 3.2932% | 6,062 |
| Noninterest income to average assets | 0.2879% | 6,404 |
| Noninterest expense to average assets | 2.8105% | 4,776 |
| Loan and lease loss provision to assets | 0.0812% | 6,377 |
| Net operating income to assets | 0.3216% | 5,473 |
| Return on assets (ROA) | 0.3633% | 5,098 |
| Pretax return on assets | 0.5000% | 4,976 |
| Return on Equity (ROE) | 4.2242% | 4,726 |
| Retained earnings to average equity (ytd only) | -3.6421% | 6,251 |
| Net charge-offs to loans | 0.0402% | 6,222 |
| Credit loss provision to net charge-offs | 269.6629% | 1,709 |
| Earnings coverage of net charge-offs (x) | 17.4045% | 1,772 |
| Efficiency ratio | 83.1085% | 2,167 |
| Assets per employee ($millions) | 4.5957% | 2,481 |
| Cash dividends to net income (ytd only)* | 186.2197% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 6,399 |
| Loan loss allowance to noncurrent loans | 96.1436% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.7327% | 5,029 |
| Noncurrent loans to loans | 0.9870% | 4,618 |
| Net loans and leases to total assets | 73.5279% | 3,222 |
| Net loans and leases to deposits | 108.4716% | 944 |
| Net loans and leases to core deposits | 131.7064% | 1,743 |
| Total domestic deposits to total assets | 67.7854% | 7,490 |
| Equity capital to assets | 8.0620% | 6,760 |
| Core capital (leverage) ratio | 7.8588% | 6,713 |
| Tier 1 risk-based capital ratio | 11.0890% | 5,653 |
| Total risk-based capital ratio | 12.0832% | 5,781 |
| Memoranda: | ||
| Average total assets | $295,609,800 | 2,226 |
| Average earning assets | $273,476,600 | 2,207 |
| Average equity | $25,425,200 | 2,608 |
| Average total loans | $221,390,400 | 2,114 |