Home > Ideal Federal Savings Bank > Performance and Condition Ratios
Ideal Federal Savings Bank, Performance and Condition Ratios
| 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 | 5.7473% | 1,561 |
| Cost of funding earning assets | 1.5234% | 3,111 |
| Net interest margin | 4.2239% | 2,075 |
| Noninterest income to average assets | 0.4150% | 4,794 |
| Noninterest expense to average assets | 6.2563% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -1.9471% | 7,289 |
| Return on assets (ROA) | -1.9471% | 7,297 |
| Pretax return on assets | -1.9471% | 7,222 |
| Return on Equity (ROE) | -47.9692% | 7,599 |
| Retained earnings to average equity (ytd only) | -47.9692% | 7,594 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.1852% | 226 |
| Assets per employee ($millions) | 3.0885% | 5,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6523% | 69 |
| Loan loss allowance to noncurrent loans | 35.4232% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 15.4930% | 129 |
| Noncurrent loans to loans | 18.7794% | 99 |
| Net loans and leases to total assets | 77.0115% | 1,291 |
| Net loans and leases to deposits | 81.9748% | 3,278 |
| Net loans and leases to core deposits | 81.9748% | 4,421 |
| Total domestic deposits to total assets | 93.9453% | 78 |
| Equity capital to assets | 3.5940% | 7,719 |
| Core capital (leverage) ratio | 3.5315% | 7,707 |
| Tier 1 risk-based capital ratio | 5.0196% | 7,699 |
| Total risk-based capital ratio | 6.1708% | 7,707 |
| Memoranda: | ||
| Average total assets | $6,265,670 | 7,822 |
| Average earning assets | $5,776,670 | 7,808 |
| Average equity | $254,330 | 7,828 |
| Average total loans | $5,156,670 | 7,719 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2629% | 568 |
| Cost of funding earning assets | 1.5141% | 3,463 |
| Net interest margin | 4.7488% | 707 |
| Noninterest income to average assets | 0.4437% | 4,529 |
| Noninterest expense to average assets | 6.2124% | 201 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.3946% | 7,290 |
| Return on assets (ROA) | -1.3946% | 7,305 |
| Pretax return on assets | -1.3946% | 7,223 |
| Return on Equity (ROE) | -32.5323% | 7,601 |
| Retained earnings to average equity (ytd only) | -32.5323% | 7,579 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.9474% | 346 |
| Assets per employee ($millions) | 3.1525% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5825% | 76 |
| Loan loss allowance to noncurrent loans | 64.2045% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 8.3743% | 577 |
| Noncurrent loans to loans | 10.2524% | 408 |
| Net loans and leases to total assets | 76.3045% | 1,480 |
| Net loans and leases to deposits | 81.6254% | 3,346 |
| Net loans and leases to core deposits | 81.6254% | 4,543 |
| Total domestic deposits to total assets | 93.4814% | 93 |
| Equity capital to assets | 4.1237% | 7,786 |
| Core capital (leverage) ratio | 4.0781% | 7,776 |
| Tier 1 risk-based capital ratio | 6.4042% | 7,733 |
| Total risk-based capital ratio | 7.6501% | 7,733 |
| Memoranda: | ||
| Average total assets | $6,310,000 | 7,925 |
| Average earning assets | $5,812,000 | 7,910 |
| Average equity | $270,500 | 7,922 |
| Average total loans | $5,187,000 | 7,817 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8877% | 2,288 |
| Cost of funding earning assets | 1.5084% | 5,475 |
| Net interest margin | 4.3793% | 1,492 |
| Noninterest income to average assets | 1.7558% | 477 |
| Noninterest expense to average assets | 8.0220% | 147 |
| Loan and lease loss provision to assets | 3.7386% | 391 |
| Net operating income to assets | -5.7365% | 7,819 |
| Return on assets (ROA) | -5.7365% | 7,812 |
| Pretax return on assets | -5.9181% | 7,797 |
| Return on Equity (ROE) | -96.4868% | 7,921 |
| Retained earnings to average equity (ytd only) | -96.4868% | 7,919 |
| Net charge-offs to loans | 0.0923% | 6,202 |
| Credit loss provision to net charge-offs | 4,940.0000% | 80 |
| Earnings coverage of net charge-offs (x) | -28.8000% | 7,202 |
| Efficiency ratio | 137.3057% | 405 |
| Assets per employee ($millions) | 3.1575% | 5,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4893% | 83 |
| Loan loss allowance to noncurrent loans | 56.7839% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 9.4537% | 417 |
| Noncurrent loans to loans | 11.4280% | 315 |
| Net loans and leases to total assets | 77.3555% | 1,508 |
| Net loans and leases to deposits | 83.1348% | 3,431 |
| Net loans and leases to core deposits | 87.2321% | 5,410 |
| Total domestic deposits to total assets | 93.0483% | 120 |
| Equity capital to assets | 4.4497% | 7,823 |
| Core capital (leverage) ratio | 4.4195% | 7,815 |
| Tier 1 risk-based capital ratio | 6.0547% | 7,810 |
| Total risk-based capital ratio | 7.3134% | 7,813 |
| Memoranda: | ||
| Average total assets | $6,606,800 | 8,003 |
| Average earning assets | $6,165,400 | 7,988 |
| Average equity | $392,800 | 8,008 |
| Average total loans | $5,417,600 | 7,881 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7445% | 3,117 |
| Cost of funding earning assets | 1.4948% | 5,843 |
| Net interest margin | 4.2497% | 1,872 |
| Noninterest income to average assets | 2.1757% | 324 |
| Noninterest expense to average assets | 8.3434% | 143 |
| Loan and lease loss provision to assets | 4.9303% | 177 |
| Net operating income to assets | -7.1259% | 7,982 |
| Return on assets (ROA) | -7.1259% | 7,984 |
| Pretax return on assets | -7.1259% | 7,962 |
| Return on Equity (ROE) | -113.1289% | 8,034 |
| Retained earnings to average equity (ytd only) | -113.1289% | 8,033 |
| Net charge-offs to loans | 0.1220% | 5,478 |
| Credit loss provision to net charge-offs | 4,940.0000% | 80 |
| Earnings coverage of net charge-offs (x) | -21.9880% | 6,939 |
| Efficiency ratio | 135.7143% | 413 |
| Assets per employee ($millions) | 3.1590% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3223% | 71 |
| Loan loss allowance to noncurrent loans | 58.8542% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 9.1168% | 420 |
| Noncurrent loans to loans | 10.7423% | 347 |
| Net loans and leases to total assets | 79.5030% | 1,288 |
| Net loans and leases to deposits | 85.6436% | 3,390 |
| Net loans and leases to core deposits | 135.9037% | 1,109 |
| Total domestic deposits to total assets | 92.8300% | 96 |
| Equity capital to assets | 4.7958% | 7,964 |
| Core capital (leverage) ratio | 4.7657% | 7,938 |
| Tier 1 risk-based capital ratio | 6.4344% | 7,933 |
| Total risk-based capital ratio | 7.6742% | 7,934 |
| Memoranda: | ||
| Average total assets | $6,679,750 | 8,087 |
| Average earning assets | $6,243,500 | 8,073 |
| Average equity | $420,750 | 8,093 |
| Average total loans | $5,466,000 | 7,959 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5149% | 4,540 |
| Cost of funding earning assets | 1.4727% | 6,248 |
| Net interest margin | 4.0422% | 2,533 |
| Noninterest income to average assets | 2.9704% | 217 |
| Noninterest expense to average assets | 8.9996% | 135 |
| Loan and lease loss provision to assets | 7.2644% | 89 |
| Net operating income to assets | -9.4995% | 8,108 |
| Return on assets (ROA) | -9.4995% | 8,100 |
| Pretax return on assets | -9.4995% | 8,088 |
| Return on Equity (ROE) | -140.4348% | 8,120 |
| Retained earnings to average equity (ytd only) | -140.4348% | 8,118 |
| Net charge-offs to loans | 0.1818% | 4,433 |
| Credit loss provision to net charge-offs | 4,940.0000% | 101 |
| Earnings coverage of net charge-offs (x) | -15.2000% | 6,552 |
| Efficiency ratio | 133.0435% | 498 |
| Assets per employee ($millions) | 3.3585% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1940% | 74 |
| Loan loss allowance to noncurrent loans | 46.8232% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 10.7786% | 240 |
| Noncurrent loans to loans | 13.2286% | 179 |
| Net loans and leases to total assets | 76.4329% | 2,072 |
| Net loans and leases to deposits | 82.4209% | 4,156 |
| Net loans and leases to core deposits | 85.0422% | 6,008 |
| Total domestic deposits to total assets | 92.7349% | 118 |
| Equity capital to assets | 5.0022% | 8,038 |
| Core capital (leverage) ratio | 4.9881% | 8,029 |
| Tier 1 risk-based capital ratio | 7.4444% | 7,970 |
| Total risk-based capital ratio | 8.7778% | 7,971 |
| Memoranda: | ||
| Average total assets | $6,800,330 | 8,182 |
| Average earning assets | $6,382,670 | 8,165 |
| Average equity | $460,000 | 8,184 |
| Average total loans | $5,500,670 | 8,045 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5935% | 4,400 |
| Cost of funding earning assets | 1.4295% | 6,636 |
| Net interest margin | 4.1641% | 2,035 |
| Noninterest income to average assets | 5.7878% | 118 |
| Noninterest expense to average assets | 11.2248% | 96 |
| Loan and lease loss provision to assets | 14.4402% | 19 |
| Net operating income to assets | -15.9602% | 8,212 |
| Return on assets (ROA) | -15.9602% | 8,204 |
| Pretax return on assets | -15.9602% | 8,203 |
| Return on Equity (ROE) | -209.1954% | 8,200 |
| Retained earnings to average equity (ytd only) | -209.1954% | 8,199 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.6627% | 698 |
| Assets per employee ($millions) | 2.1933% | 7,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1169% | 62 |
| Loan loss allowance to noncurrent loans | 59.0592% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 8.7234% | 303 |
| Noncurrent loans to loans | 10.3573% | 271 |
| Net loans and leases to total assets | 79.0729% | 1,566 |
| Net loans and leases to deposits | 85.8581% | 3,658 |
| Net loans and leases to core deposits | 128.6279% | 1,734 |
| Total domestic deposits to total assets | 92.0973% | 168 |
| Equity capital to assets | 5.8663% | 8,021 |
| Core capital (leverage) ratio | 5.8520% | 8,029 |
| Tier 1 risk-based capital ratio | 8.9556% | 7,817 |
| Total risk-based capital ratio | 10.2815% | 7,801 |
| Memoranda: | ||
| Average total assets | $6,842,000 | 8,232 |
| Average earning assets | $6,436,000 | 8,214 |
| Average equity | $522,000 | 8,236 |
| Average total loans | $5,514,500 | 8,098 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9380% | 5,864 |
| Cost of funding earning assets | 1.8338% | 6,918 |
| Net interest margin | 4.1042% | 2,692 |
| Noninterest income to average assets | -0.8607% | 8,288 |
| Noninterest expense to average assets | 4.8685% | 677 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -1.9006% | 7,588 |
| Return on assets (ROA) | -2.1115% | 7,590 |
| Pretax return on assets | -2.1518% | 7,488 |
| Return on Equity (ROE) | -20.7233% | 7,774 |
| Retained earnings to average equity (ytd only) | -20.7233% | 7,697 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 166.0550% | 290 |
| Assets per employee ($millions) | 1.7760% | 8,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7314% | 1,819 |
| Loan loss allowance to noncurrent loans | 17.0557% | 7,336 |
| Noncurrent assets plus other real estate owned to assets | 7.8407% | 305 |
| Noncurrent loans to loans | 10.1513% | 202 |
| Net loans and leases to total assets | 75.9009% | 2,652 |
| Net loans and leases to deposits | 85.1279% | 4,237 |
| Net loans and leases to core deposits | 89.3751% | 5,855 |
| Total domestic deposits to total assets | 89.1610% | 977 |
| Equity capital to assets | 9.2624% | 4,986 |
| Core capital (leverage) ratio | 9.2624% | 4,350 |
| Tier 1 risk-based capital ratio | 14.1749% | 3,463 |
| Total risk-based capital ratio | 15.4459% | 3,375 |
| Memoranda: | ||
| Average total assets | $7,435,600 | 8,282 |
| Average earning assets | $6,871,000 | 8,268 |
| Average equity | $757,600 | 8,291 |
| Average total loans | $5,637,800 | 8,139 |