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Globe Homestead Savings Bank, Performance and Condition Ratios
| 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 | 5.8020% | 6,419 |
| Cost of funding earning assets | 3.3024% | 923 |
| Net interest margin | 2.4997% | 7,752 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 2.1472% | 7,121 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2108% | 5,815 |
| Return on assets (ROA) | 0.2108% | 5,635 |
| Pretax return on assets | 0.2894% | 5,532 |
| Return on Equity (ROE) | 1.0701% | 5,894 |
| Retained earnings to average equity (ytd only) | -2.2491% | 5,938 |
| 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 | 88.1232% | 1,670 |
| Assets per employee ($millions) | 6.7678% | 781 |
| Cash dividends to net income (ytd only)* | 310.1695% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3039% | 8,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 90.8832% | 137 |
| Net loans and leases to deposits | 145.5454% | 86 |
| Net loans and leases to core deposits | 178.8919% | 299 |
| Total domestic deposits to total assets | 62.4432% | 7,862 |
| Equity capital to assets | 20.2320% | 453 |
| Core capital (leverage) ratio | 20.2394% | 427 |
| Tier 1 risk-based capital ratio | 39.8039% | 345 |
| Total risk-based capital ratio | 40.3487% | 349 |
| Memoranda: | ||
| Average total assets | $27,989,400 | 7,728 |
| Average earning assets | $27,283,600 | 7,650 |
| Average equity | $5,513,400 | 6,974 |
| Average total loans | $25,174,000 | 7,017 |