Home > Hillcrest Bank > Performance and Condition Ratios
Hillcrest Bank, Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2569% | 7,024 |
| Cost of funding earning assets | 2.6106% | 92 |
| Net interest margin | 1.6463% | 7,651 |
| Noninterest income to average assets | 0.2892% | 5,807 |
| Noninterest expense to average assets | 2.5226% | 5,627 |
| Loan and lease loss provision to assets | 5.0687% | 84 |
| Net operating income to assets | -5.8020% | 7,686 |
| Return on assets (ROA) | -5.5101% | 7,683 |
| Pretax return on assets | -5.5101% | 7,673 |
| Return on Equity (ROE) | -246.2016% | 7,751 |
| Retained earnings to average equity (ytd only) | -246.2016% | 7,751 |
| Net charge-offs to loans | 7.4489% | 54 |
| Credit loss provision to net charge-offs | 100.8147% | 4,280 |
| Earnings coverage of net charge-offs (x) | -0.1458% | 6,146 |
| Efficiency ratio | 140.9814% | 243 |
| Assets per employee ($millions) | 8.7012% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3530% | 601 |
| Loan loss allowance to noncurrent loans | 16.8805% | 7,009 |
| Noncurrent assets plus other real estate owned to assets | 18.8464% | 77 |
| Noncurrent loans to loans | 19.8631% | 76 |
| Net loans and leases to total assets | 62.5861% | 4,412 |
| Net loans and leases to deposits | 66.5724% | 5,595 |
| Net loans and leases to core deposits | 86.7688% | 3,549 |
| Total domestic deposits to total assets | 94.0120% | 70 |
| Equity capital to assets | 0.2392% | 7,752 |
| Core capital (leverage) ratio | 0.2216% | 7,751 |
| Tier 1 risk-based capital ratio | 0.3074% | 7,751 |
| Total risk-based capital ratio | 0.6148% | 7,751 |
| Memoranda: | ||
| Average total assets | $1,676,404,500 | 403 |
| Average earning assets | $1,527,554,500 | 401 |
| Average equity | $37,519,000 | 1,776 |
| Average total loans | $1,131,520,250 | 395 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3763% | 6,946 |
| Cost of funding earning assets | 2.6414% | 113 |
| Net interest margin | 1.7349% | 7,706 |
| Noninterest income to average assets | 0.2499% | 6,126 |
| Noninterest expense to average assets | 2.4657% | 5,861 |
| Loan and lease loss provision to assets | 7.1697% | 44 |
| Net operating income to assets | -7.7979% | 7,783 |
| Return on assets (ROA) | -7.3680% | 7,783 |
| Pretax return on assets | -7.3680% | 7,769 |
| Return on Equity (ROE) | -257.9760% | 7,815 |
| Retained earnings to average equity (ytd only) | -257.9760% | 7,815 |
| Net charge-offs to loans | 10.2842% | 31 |
| Credit loss provision to net charge-offs | 102.0066% | 3,999 |
| Earnings coverage of net charge-offs (x) | -0.0894% | 5,792 |
| Efficiency ratio | 134.1897% | 288 |
| Assets per employee ($millions) | 8.9477% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2733% | 659 |
| Loan loss allowance to noncurrent loans | 21.3918% | 6,875 |
| Noncurrent assets plus other real estate owned to assets | 15.6376% | 122 |
| Noncurrent loans to loans | 15.3017% | 159 |
| Net loans and leases to total assets | 62.9532% | 4,479 |
| Net loans and leases to deposits | 67.3740% | 5,629 |
| Net loans and leases to core deposits | 90.0563% | 3,249 |
| Total domestic deposits to total assets | 93.4384% | 96 |
| Equity capital to assets | 0.6223% | 7,818 |
| Core capital (leverage) ratio | 0.5881% | 7,819 |
| Tier 1 risk-based capital ratio | 0.8166% | 7,817 |
| Total risk-based capital ratio | 1.6332% | 7,816 |
| Memoranda: | ||
| Average total assets | $1,707,335,670 | 398 |
| Average earning assets | $1,562,370,670 | 394 |
| Average equity | $48,762,670 | 1,376 |
| Average total loans | $1,166,858,670 | 394 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3483% | 7,069 |
| Cost of funding earning assets | 2.6593% | 140 |
| Net interest margin | 1.6890% | 7,801 |
| Noninterest income to average assets | 0.2458% | 6,187 |
| Noninterest expense to average assets | 2.2672% | 6,490 |
| Loan and lease loss provision to assets | 2.0911% | 526 |
| Net operating income to assets | -2.5575% | 7,566 |
| Return on assets (ROA) | -2.5575% | 7,568 |
| Pretax return on assets | -2.5575% | 7,523 |
| Return on Equity (ROE) | -65.3382% | 7,756 |
| Retained earnings to average equity (ytd only) | -65.3382% | 7,748 |
| Net charge-offs to loans | 3.9314% | 337 |
| Credit loss provision to net charge-offs | 76.1079% | 3,972 |
| Earnings coverage of net charge-offs (x) | -0.1697% | 5,147 |
| Efficiency ratio | 125.8947% | 380 |
| Assets per employee ($millions) | 9.1399% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6541% | 1,121 |
| Loan loss allowance to noncurrent loans | 19.6648% | 7,032 |
| Noncurrent assets plus other real estate owned to assets | 13.6778% | 178 |
| Noncurrent loans to loans | 13.4968% | 230 |
| Net loans and leases to total assets | 66.5630% | 3,733 |
| Net loans and leases to deposits | 73.5378% | 4,821 |
| Net loans and leases to core deposits | 103.1085% | 1,813 |
| Total domestic deposits to total assets | 90.5154% | 726 |
| Equity capital to assets | 3.7182% | 7,817 |
| Core capital (leverage) ratio | 3.5310% | 7,811 |
| Tier 1 risk-based capital ratio | 4.6868% | 7,818 |
| Total risk-based capital ratio | 5.9506% | 7,818 |
| Memoranda: | ||
| Average total assets | $1,737,817,000 | 408 |
| Average earning assets | $1,599,985,000 | 402 |
| Average equity | $68,021,500 | 978 |
| Average total loans | $1,214,529,000 | 389 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8929% | 6,725 |
| Cost of funding earning assets | 2.9096% | 301 |
| Net interest margin | 1.9833% | 7,751 |
| Noninterest income to average assets | 0.2735% | 6,156 |
| Noninterest expense to average assets | 2.2005% | 6,993 |
| Loan and lease loss provision to assets | 6.1476% | 103 |
| Net operating income to assets | -4.6197% | 7,691 |
| Return on assets (ROA) | -4.4768% | 7,677 |
| Pretax return on assets | -5.9930% | 7,802 |
| Return on Equity (ROE) | -65.4358% | 7,783 |
| Retained earnings to average equity (ytd only) | -66.2198% | 7,785 |
| Net charge-offs to loans | 7.1346% | 112 |
| Credit loss provision to net charge-offs | 112.0014% | 4,896 |
| Earnings coverage of net charge-offs (x) | -0.0066% | 6,208 |
| Efficiency ratio | 97.7699% | 1,225 |
| Assets per employee ($millions) | 9.4464% | 306 |
| Cash dividends to net income (ytd only)* | -1.1980% | 7,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6873% | 1,024 |
| Loan loss allowance to noncurrent loans | 21.3376% | 6,994 |
| Noncurrent assets plus other real estate owned to assets | 12.6745% | 220 |
| Noncurrent loans to loans | 12.5942% | 258 |
| Net loans and leases to total assets | 69.4322% | 3,378 |
| Net loans and leases to deposits | 77.0905% | 4,545 |
| Net loans and leases to core deposits | 108.8178% | 3,021 |
| Total domestic deposits to total assets | 90.0658% | 929 |
| Equity capital to assets | 4.1038% | 7,849 |
| Core capital (leverage) ratio | 3.8805% | 7,855 |
| Tier 1 risk-based capital ratio | 5.1532% | 7,860 |
| Total risk-based capital ratio | 6.4176% | 7,862 |
| Memoranda: | ||
| Average total assets | $1,864,477,000 | 379 |
| Average earning assets | $1,777,721,000 | 359 |
| Average equity | $127,558,600 | 521 |
| Average total loans | $1,434,387,400 | 350 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 6,659 |
| Cost of funding earning assets | 2.9262% | 411 |
| Net interest margin | 2.0543% | 7,791 |
| Noninterest income to average assets | 0.2648% | 6,335 |
| Noninterest expense to average assets | 2.0732% | 7,233 |
| Loan and lease loss provision to assets | 4.3987% | 236 |
| Net operating income to assets | -3.1874% | 7,628 |
| Return on assets (ROA) | -2.9993% | 7,592 |
| Pretax return on assets | -3.9835% | 7,687 |
| Return on Equity (ROE) | -40.0891% | 7,750 |
| Retained earnings to average equity (ytd only) | -41.0325% | 7,754 |
| Net charge-offs to loans | 4.9043% | 240 |
| Credit loss provision to net charge-offs | 114.6410% | 4,428 |
| Earnings coverage of net charge-offs (x) | 0.0429% | 6,007 |
| Efficiency ratio | 92.6503% | 1,487 |
| Assets per employee ($millions) | 10.1089% | 259 |
| Cash dividends to net income (ytd only)* | -2.3533% | 7,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1499% | 1,502 |
| Loan loss allowance to noncurrent loans | 17.8516% | 7,204 |
| Noncurrent assets plus other real estate owned to assets | 11.1996% | 271 |
| Noncurrent loans to loans | 12.0434% | 271 |
| Net loans and leases to total assets | 71.1380% | 3,236 |
| Net loans and leases to deposits | 80.6808% | 4,255 |
| Net loans and leases to core deposits | 111.3988% | 3,081 |
| Total domestic deposits to total assets | 88.1722% | 1,583 |
| Equity capital to assets | 6.0661% | 7,847 |
| Core capital (leverage) ratio | 5.6116% | 7,858 |
| Tier 1 risk-based capital ratio | 6.9587% | 7,899 |
| Total risk-based capital ratio | 8.2177% | 7,901 |
| Memoranda: | ||
| Average total assets | $1,888,975,750 | 385 |
| Average earning assets | $1,813,999,500 | 363 |
| Average equity | $141,325,000 | 490 |
| Average total loans | $1,477,890,000 | 356 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1180% | 6,360 |
| Cost of funding earning assets | 2.9702% | 510 |
| Net interest margin | 2.1478% | 7,779 |
| Noninterest income to average assets | 0.2917% | 6,188 |
| Noninterest expense to average assets | 1.9664% | 7,522 |
| Loan and lease loss provision to assets | 4.5821% | 245 |
| Net operating income to assets | -2.7106% | 7,612 |
| Return on assets (ROA) | -2.7106% | 7,602 |
| Pretax return on assets | -4.1814% | 7,770 |
| Return on Equity (ROE) | -34.0790% | 7,770 |
| Retained earnings to average equity (ytd only) | -35.4105% | 7,772 |
| Net charge-offs to loans | 4.6289% | 276 |
| Credit loss provision to net charge-offs | 123.6059% | 3,763 |
| Earnings coverage of net charge-offs (x) | 0.1081% | 5,566 |
| Efficiency ratio | 83.0709% | 2,595 |
| Assets per employee ($millions) | 9.5608% | 298 |
| Cash dividends to net income (ytd only)* | -3.9070% | 7,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0709% | 1,440 |
| Loan loss allowance to noncurrent loans | 14.4126% | 7,381 |
| Noncurrent assets plus other real estate owned to assets | 11.6684% | 201 |
| Noncurrent loans to loans | 14.3686% | 150 |
| Net loans and leases to total assets | 75.7154% | 2,254 |
| Net loans and leases to deposits | 87.5183% | 3,259 |
| Net loans and leases to core deposits | 112.1255% | 3,123 |
| Total domestic deposits to total assets | 86.5139% | 2,505 |
| Equity capital to assets | 7.1416% | 7,526 |
| Core capital (leverage) ratio | 6.4601% | 7,817 |
| Tier 1 risk-based capital ratio | 7.5999% | 7,948 |
| Total risk-based capital ratio | 8.8581% | 7,961 |
| Memoranda: | ||
| Average total assets | $1,888,512,000 | 393 |
| Average earning assets | $1,824,966,000 | 367 |
| Average equity | $150,209,670 | 467 |
| Average total loans | $1,512,414,330 | 359 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5128% | 4,841 |
| Cost of funding earning assets | 3.0381% | 548 |
| Net interest margin | 2.4747% | 7,532 |
| Noninterest income to average assets | 0.2742% | 6,238 |
| Noninterest expense to average assets | 1.6915% | 7,830 |
| Loan and lease loss provision to assets | 0.9513% | 1,369 |
| Net operating income to assets | 0.0236% | 6,195 |
| Return on assets (ROA) | 0.0236% | 6,354 |
| Pretax return on assets | 0.0307% | 6,318 |
| Return on Equity (ROE) | 0.2822% | 6,341 |
| Retained earnings to average equity (ytd only) | -2.2376% | 6,147 |
| Net charge-offs to loans | 0.2949% | 2,932 |
| Credit loss provision to net charge-offs | 396.1437% | 1,309 |
| Earnings coverage of net charge-offs (x) | 4.0894% | 2,980 |
| Efficiency ratio | 63.2685% | 5,819 |
| Assets per employee ($millions) | 9.0536% | 350 |
| Cash dividends to net income (ytd only)* | 892.8571% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 2,300 |
| Loan loss allowance to noncurrent loans | 18.7973% | 7,229 |
| Noncurrent assets plus other real estate owned to assets | 7.3578% | 441 |
| Noncurrent loans to loans | 8.8000% | 375 |
| Net loans and leases to total assets | 79.2053% | 1,540 |
| Net loans and leases to deposits | 93.8890% | 2,286 |
| Net loans and leases to core deposits | 119.1819% | 2,490 |
| Total domestic deposits to total assets | 84.3605% | 3,527 |
| Equity capital to assets | 8.4809% | 6,106 |
| Core capital (leverage) ratio | 8.1961% | 6,114 |
| Tier 1 risk-based capital ratio | 9.4281% | 7,488 |
| Total risk-based capital ratio | 10.6817% | 7,436 |
| Memoranda: | ||
| Average total assets | $1,900,592,000 | 390 |
| Average earning assets | $1,842,612,000 | 367 |
| Average equity | $158,742,500 | 446 |
| Average total loans | $1,547,895,000 | 354 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7873% | 1,724 |
| Cost of funding earning assets | 3.3477% | 815 |
| Net interest margin | 3.4396% | 5,505 |
| Noninterest income to average assets | 0.2624% | 6,577 |
| Noninterest expense to average assets | 1.4790% | 8,044 |
| Loan and lease loss provision to assets | 2.5305% | 408 |
| Net operating income to assets | -0.2653% | 6,699 |
| Return on assets (ROA) | -0.2653% | 6,542 |
| Pretax return on assets | -0.4151% | 6,559 |
| Return on Equity (ROE) | -2.9867% | 6,620 |
| Retained earnings to average equity (ytd only) | -4.1896% | 6,360 |
| Net charge-offs to loans | 3.0979% | 283 |
| Credit loss provision to net charge-offs | 95.6603% | 5,527 |
| Earnings coverage of net charge-offs (x) | 0.7997% | 5,753 |
| Efficiency ratio | 41.1482% | 8,101 |
| Assets per employee ($millions) | 9.3548% | 315 |
| Cash dividends to net income (ytd only)* | -40.2739% | 8,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 3,417 |
| Loan loss allowance to noncurrent loans | 21.4842% | 7,167 |
| Noncurrent assets plus other real estate owned to assets | 5.2142% | 646 |
| Noncurrent loans to loans | 6.3339% | 521 |
| Net loans and leases to total assets | 81.2030% | 1,386 |
| Net loans and leases to deposits | 96.6244% | 2,350 |
| Net loans and leases to core deposits | 119.0051% | 2,786 |
| Total domestic deposits to total assets | 84.0398% | 3,306 |
| Equity capital to assets | 8.2272% | 6,512 |
| Core capital (leverage) ratio | 8.0888% | 6,340 |
| Tier 1 risk-based capital ratio | 9.0493% | 7,749 |
| Total risk-based capital ratio | 10.2997% | 7,728 |
| Memoranda: | ||
| Average total assets | $1,871,969,000 | 381 |
| Average earning assets | $1,813,391,000 | 359 |
| Average equity | $166,268,600 | 428 |
| Average total loans | $1,598,492,600 | 334 |