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Hillcrest Bank, Performance and Condition Ratios
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3915% | 231 |
| Cost of funding earning assets | 1.4302% | 1,107 |
| Net interest margin | 4.9613% | 450 |
| Noninterest income to average assets | 0.1425% | 6,536 |
| Noninterest expense to average assets | 2.4287% | 5,696 |
| Loan and lease loss provision to assets | 0.5575% | 1,763 |
| Net operating income to assets | 0.7532% | 3,369 |
| Return on assets (ROA) | 0.7640% | 3,486 |
| Pretax return on assets | 1.2247% | 2,542 |
| Return on Equity (ROE) | 4.9012% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.9012% | 3,242 |
| Net charge-offs to loans | 0.9746% | 1,649 |
| Credit loss provision to net charge-offs | 119.8082% | 2,717 |
| Earnings coverage of net charge-offs (x) | 3.7936% | 3,294 |
| Efficiency ratio | 56.4158% | 6,223 |
| Assets per employee ($millions) | 7.4524% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1662% | 7,340 |
| Loan loss allowance to noncurrent loans | 0.9110% | 6,957 |
| Noncurrent assets plus other real estate owned to assets | 12.3215% | 215 |
| Noncurrent loans to loans | 18.2391% | 76 |
| Net loans and leases to total assets | 42.9377% | 6,437 |
| Net loans and leases to deposits | 53.6956% | 6,237 |
| Net loans and leases to core deposits | 57.4703% | 6,170 |
| Total domestic deposits to total assets | 79.9650% | 5,751 |
| Equity capital to assets | 16.6139% | 528 |
| Core capital (leverage) ratio | 15.8241% | 527 |
| Tier 1 risk-based capital ratio | 98.9284% | 58 |
| Total risk-based capital ratio | 99.3768% | 58 |
| Memoranda: | ||
| Average total assets | $1,314,774,250 | 503 |
| Average earning assets | $1,073,725,500 | 555 |
| Average equity | $204,953,500 | 349 |
| Average total loans | $627,813,250 | 668 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4517% | 219 |
| Cost of funding earning assets | 1.5113% | 970 |
| Net interest margin | 4.9405% | 441 |
| Noninterest income to average assets | 0.6684% | 2,722 |
| Noninterest expense to average assets | 2.2354% | 6,287 |
| Loan and lease loss provision to assets | 0.7710% | 1,205 |
| Net operating income to assets | 1.0112% | 2,180 |
| Return on assets (ROA) | 1.0273% | 2,211 |
| Pretax return on assets | 1.6454% | 1,163 |
| Return on Equity (ROE) | 6.7331% | 3,567 |
| Retained earnings to average equity (ytd only) | 6.7331% | 1,997 |
| Net charge-offs to loans | 1.3987% | 1,086 |
| Credit loss provision to net charge-offs | 111.8626% | 2,739 |
| Earnings coverage of net charge-offs (x) | 3.4692% | 3,156 |
| Efficiency ratio | 46.9758% | 7,112 |
| Assets per employee ($millions) | 7.6591% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0915% | 7,426 |
| Loan loss allowance to noncurrent loans | 0.6115% | 7,010 |
| Noncurrent assets plus other real estate owned to assets | 12.2423% | 248 |
| Noncurrent loans to loans | 14.9627% | 139 |
| Net loans and leases to total assets | 45.5033% | 6,311 |
| Net loans and leases to deposits | 56.2071% | 6,116 |
| Net loans and leases to core deposits | 60.1687% | 6,074 |
| Total domestic deposits to total assets | 80.9566% | 5,539 |
| Equity capital to assets | 15.7511% | 648 |
| Core capital (leverage) ratio | 15.3340% | 610 |
| Tier 1 risk-based capital ratio | 83.6912% | 65 |
| Total risk-based capital ratio | 83.9196% | 65 |
| Memoranda: | ||
| Average total assets | $1,325,764,000 | 502 |
| Average earning assets | $1,062,165,000 | 566 |
| Average equity | $202,285,330 | 354 |
| Average total loans | $653,319,670 | 652 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6267% | 174 |
| Cost of funding earning assets | 1.5509% | 974 |
| Net interest margin | 5.0758% | 323 |
| Noninterest income to average assets | 1.0560% | 1,180 |
| Noninterest expense to average assets | 2.4722% | 5,658 |
| Loan and lease loss provision to assets | 0.4797% | 1,834 |
| Net operating income to assets | 1.3601% | 1,134 |
| Return on assets (ROA) | 1.3667% | 1,176 |
| Pretax return on assets | 2.2121% | 392 |
| Return on Equity (ROE) | 9.1026% | 2,439 |
| Retained earnings to average equity (ytd only) | 9.1026% | 1,353 |
| Net charge-offs to loans | 0.6824% | 1,851 |
| Credit loss provision to net charge-offs | 137.5000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 7.6862% | 1,915 |
| Efficiency ratio | 46.7670% | 7,167 |
| Assets per employee ($millions) | 7.6728% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0677% | 7,486 |
| Loan loss allowance to noncurrent loans | 0.5136% | 7,072 |
| Noncurrent assets plus other real estate owned to assets | 10.8925% | 343 |
| Noncurrent loans to loans | 13.1860% | 219 |
| Net loans and leases to total assets | 49.4191% | 5,916 |
| Net loans and leases to deposits | 60.5845% | 5,663 |
| Net loans and leases to core deposits | 64.9778% | 5,626 |
| Total domestic deposits to total assets | 81.5706% | 5,468 |
| Equity capital to assets | 15.3066% | 703 |
| Core capital (leverage) ratio | 15.1482% | 634 |
| Tier 1 risk-based capital ratio | 84.3381% | 66 |
| Total risk-based capital ratio | 84.5258% | 67 |
| Memoranda: | ||
| Average total assets | $1,329,967,000 | 509 |
| Average earning assets | $1,073,720,000 | 564 |
| Average equity | $199,678,500 | 354 |
| Average total loans | $679,984,000 | 632 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4417% | 7,585 |
| Cost of funding earning assets | 0.3470% | 7,472 |
| Net interest margin | 1.0947% | 7,578 |
| Noninterest income to average assets | 2.9588% | 235 |
| Noninterest expense to average assets | 0.4120% | 7,619 |
| Loan and lease loss provision to assets | 0.0010% | 7,040 |
| Net operating income to assets | 2.2052% | 199 |
| Return on assets (ROA) | 2.2057% | 204 |
| Pretax return on assets | 3.4327% | 92 |
| Return on Equity (ROE) | 14.9787% | 719 |
| Retained earnings to average equity (ytd only) | 14.9787% | 128 |
| Net charge-offs to loans | 0.0008% | 6,849 |
| Credit loss provision to net charge-offs | 216.6667% | 1,397 |
| Earnings coverage of net charge-offs (x) | 7,668.0000% | 1 |
| Efficiency ratio | 10.4502% | 7,637 |
| Assets per employee ($millions) | 7.7024% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0010% | 7,581 |
| Loan loss allowance to noncurrent loans | 0.0056% | 7,155 |
| Noncurrent assets plus other real estate owned to assets | 13.3983% | 208 |
| Noncurrent loans to loans | 17.7411% | 103 |
| Net loans and leases to total assets | 52.7770% | 5,813 |
| Net loans and leases to deposits | 64.1725% | 5,610 |
| Net loans and leases to core deposits | 69.1483% | 5,533 |
| Total domestic deposits to total assets | 82.2424% | 5,109 |
| Equity capital to assets | 14.7254% | 854 |
| Core capital (leverage) ratio | 14.1828% | 810 |
| Tier 1 risk-based capital ratio | 76.7372% | 67 |
| Total risk-based capital ratio | 76.7400% | 67 |
| Memoranda: | ||
| Average total assets | $1,340,220,000 | 502 |
| Average earning assets | $1,084,871,000 | 556 |
| Average equity | $197,353,000 | 353 |
| Average total loans | $707,335,000 | 617 |