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Imperial Savings and Loan Association, 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 | 4.7190% | 6,081 |
| Cost of funding earning assets | 1.5965% | 2,678 |
| Net interest margin | 3.1226% | 6,545 |
| Noninterest income to average assets | 0.4730% | 4,332 |
| Noninterest expense to average assets | 8.1642% | 112 |
| Loan and lease loss provision to assets | 0.6169% | 2,317 |
| Net operating income to assets | -5.5731% | 7,720 |
| Return on assets (ROA) | -5.5731% | 7,724 |
| Pretax return on assets | -5.5731% | 7,707 |
| Return on Equity (ROE) | 100.8691% | 7 |
| Retained earnings to average equity (ytd only) | 100.8691% | 5 |
| Net charge-offs to loans | 0.5769% | 2,807 |
| Credit loss provision to net charge-offs | 166.6667% | 2,354 |
| Earnings coverage of net charge-offs (x) | -13.3889% | 6,334 |
| Efficiency ratio | 254.4872% | 56 |
| Assets per employee ($millions) | 1.5747% | 7,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 4,465 |
| Loan loss allowance to noncurrent loans | 39.7196% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 3.0800% | 2,308 |
| Noncurrent loans to loans | 3.5036% | 2,258 |
| Net loans and leases to total assets | 63.7489% | 4,309 |
| Net loans and leases to deposits | 59.6928% | 6,441 |
| Net loans and leases to core deposits | 61.2405% | 6,616 |
| Total domestic deposits to total assets | 106.7951% | 1 |
| Equity capital to assets | -7.0491% | 7,830 |
| Core capital (leverage) ratio | 0.8891% | 7,811 |
| Tier 1 risk-based capital ratio | 1.7907% | 7,805 |
| Total risk-based capital ratio | 3.0484% | 7,804 |
| Memoranda: | ||
| Average total assets | $9,725,330 | 7,794 |
| Average earning assets | $8,518,670 | 7,784 |
| Average equity | $-537,330 | 7,830 |
| Average total loans | $6,240,330 | 7,688 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2625% | 7,188 |
| Cost of funding earning assets | 1.6679% | 2,552 |
| Net interest margin | 2.5945% | 7,394 |
| Noninterest income to average assets | 0.6083% | 3,222 |
| Noninterest expense to average assets | 8.1103% | 117 |
| Loan and lease loss provision to assets | 1.2165% | 1,002 |
| Net operating income to assets | -6.4477% | 7,831 |
| Return on assets (ROA) | -6.4477% | 7,835 |
| Pretax return on assets | -6.4477% | 7,825 |
| Return on Equity (ROE) | 134.4609% | 11 |
| Retained earnings to average equity (ytd only) | 134.4609% | 9 |
| Net charge-offs to loans | 1.1417% | 1,471 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | -7.1667% | 5,550 |
| Efficiency ratio | 281.6901% | 48 |
| Assets per employee ($millions) | 1.6097% | 7,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 4,642 |
| Loan loss allowance to noncurrent loans | 26.3975% | 6,638 |
| Noncurrent assets plus other real estate owned to assets | 4.1313% | 1,658 |
| Noncurrent loans to loans | 5.1405% | 1,399 |
| Net loans and leases to total assets | 63.9780% | 4,336 |
| Net loans and leases to deposits | 60.5903% | 6,403 |
| Net loans and leases to core deposits | 62.1442% | 6,593 |
| Total domestic deposits to total assets | 105.5912% | 2 |
| Equity capital to assets | -5.7362% | 7,931 |
| Core capital (leverage) ratio | 2.0294% | 7,881 |
| Tier 1 risk-based capital ratio | 3.6828% | 7,852 |
| Total risk-based capital ratio | 4.2465% | 7,880 |
| Memoranda: | ||
| Average total assets | $9,864,000 | 7,895 |
| Average earning assets | $8,633,500 | 7,885 |
| Average equity | $-473,000 | 7,928 |
| Average total loans | $6,306,500 | 7,780 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0576% | 1,650 |
| Cost of funding earning assets | 1.7884% | 4,047 |
| Net interest margin | 4.2692% | 1,821 |
| Noninterest income to average assets | 0.4806% | 4,561 |
| Noninterest expense to average assets | 8.2614% | 132 |
| Loan and lease loss provision to assets | 0.0920% | 6,679 |
| Net operating income to assets | -4.0898% | 7,622 |
| Return on assets (ROA) | -4.0898% | 7,620 |
| Pretax return on assets | -4.0898% | 7,552 |
| Return on Equity (ROE) | 229.0951% | 3 |
| Retained earnings to average equity (ytd only) | 229.0951% | 2 |
| Net charge-offs to loans | 0.2568% | 5,016 |
| Credit loss provision to net charge-offs | 52.9412% | 6,713 |
| Earnings coverage of net charge-offs (x) | -23.0000% | 7,194 |
| Efficiency ratio | 193.7650% | 154 |
| Assets per employee ($millions) | 1.6783% | 7,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 5,728 |
| Loan loss allowance to noncurrent loans | 21.3650% | 6,992 |
| Noncurrent assets plus other real estate owned to assets | 4.1112% | 1,598 |
| Noncurrent loans to loans | 5.3079% | 1,236 |
| Net loans and leases to total assets | 62.3337% | 4,921 |
| Net loans and leases to deposits | 60.1360% | 6,623 |
| Net loans and leases to core deposits | 69.1071% | 6,825 |
| Total domestic deposits to total assets | 103.6544% | 3 |
| Equity capital to assets | -3.8928% | 8,009 |
| Core capital (leverage) ratio | 3.5264% | 7,874 |
| Tier 1 risk-based capital ratio | 6.9363% | 7,756 |
| Total risk-based capital ratio | 8.1868% | 7,762 |
| Memoranda: | ||
| Average total assets | $9,780,400 | 7,970 |
| Average earning assets | $8,666,800 | 7,958 |
| Average equity | $-174,600 | 8,010 |
| Average total loans | $6,620,600 | 7,839 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1660% | 1,456 |
| Cost of funding earning assets | 1.7772% | 4,493 |
| Net interest margin | 4.3889% | 1,465 |
| Noninterest income to average assets | 0.4944% | 4,533 |
| Noninterest expense to average assets | 8.3777% | 139 |
| Loan and lease loss provision to assets | 0.1236% | 6,118 |
| Net operating income to assets | -4.1065% | 7,761 |
| Return on assets (ROA) | -4.1065% | 7,763 |
| Pretax return on assets | -4.1065% | 7,701 |
| Return on Equity (ROE) | 331.5260% | 4 |
| Retained earnings to average equity (ytd only) | 331.5260% | 3 |
| Net charge-offs to loans | 0.0997% | 5,675 |
| Credit loss provision to net charge-offs | 180.0000% | 2,544 |
| Earnings coverage of net charge-offs (x) | -57.9700% | 6,966 |
| Efficiency ratio | 190.6250% | 170 |
| Assets per employee ($millions) | 1.6770% | 7,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 4,639 |
| Loan loss allowance to noncurrent loans | 28.3784% | 6,576 |
| Noncurrent assets plus other real estate owned to assets | 3.7070% | 1,750 |
| Noncurrent loans to loans | 4.4985% | 1,555 |
| Net loans and leases to total assets | 64.5597% | 4,737 |
| Net loans and leases to deposits | 62.9153% | 6,594 |
| Net loans and leases to core deposits | 71.6602% | 6,867 |
| Total domestic deposits to total assets | 102.6138% | 2 |
| Equity capital to assets | -2.8921% | 8,093 |
| Core capital (leverage) ratio | 4.5333% | 7,953 |
| Tier 1 risk-based capital ratio | 8.6119% | 7,721 |
| Total risk-based capital ratio | 9.8584% | 7,747 |
| Memoranda: | ||
| Average total assets | $9,708,000 | 8,056 |
| Average earning assets | $8,627,750 | 8,045 |
| Average equity | $-120,250 | 8,097 |
| Average total loans | $6,688,500 | 7,913 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3282% | 1,140 |
| Cost of funding earning assets | 1.7879% | 4,821 |
| Net interest margin | 4.5403% | 1,074 |
| Noninterest income to average assets | 0.5422% | 4,094 |
| Noninterest expense to average assets | 7.5078% | 183 |
| Loan and lease loss provision to assets | 0.1043% | 6,127 |
| Net operating income to assets | -3.0448% | 7,686 |
| Return on assets (ROA) | -3.0448% | 7,684 |
| Pretax return on assets | -3.0448% | 7,581 |
| Return on Equity (ROE) | 461.0769% | 6 |
| Retained earnings to average equity (ytd only) | 461.0769% | 5 |
| Net charge-offs to loans | 0.1487% | 4,704 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | -28.2000% | 6,578 |
| Efficiency ratio | 164.3836% | 304 |
| Assets per employee ($millions) | 1.5913% | 8,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 4,943 |
| Loan loss allowance to noncurrent loans | 34.4828% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 3.2363% | 1,934 |
| Noncurrent loans to loans | 3.4798% | 2,020 |
| Net loans and leases to total assets | 68.9883% | 3,950 |
| Net loans and leases to deposits | 68.1743% | 6,170 |
| Net loans and leases to core deposits | 74.1863% | 6,778 |
| Total domestic deposits to total assets | 101.1940% | 5 |
| Equity capital to assets | -1.4139% | 8,185 |
| Core capital (leverage) ratio | 6.4117% | 7,832 |
| Tier 1 risk-based capital ratio | 11.3734% | 5,530 |
| Total risk-based capital ratio | 12.6185% | 5,437 |
| Memoranda: | ||
| Average total assets | $9,590,000 | 8,152 |
| Average earning assets | $8,501,670 | 8,138 |
| Average equity | $-63,330 | 8,192 |
| Average total loans | $6,724,670 | 7,998 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3921% | 1,079 |
| Cost of funding earning assets | 1.7860% | 5,179 |
| Net interest margin | 4.6061% | 929 |
| Noninterest income to average assets | 0.5827% | 3,666 |
| Noninterest expense to average assets | 7.4082% | 184 |
| Loan and lease loss provision to assets | 0.2081% | 4,357 |
| Net operating income to assets | -2.9549% | 7,837 |
| Return on assets (ROA) | -2.9549% | 7,839 |
| Pretax return on assets | -2.9549% | 7,743 |
| Return on Equity (ROE) | 1,032.7273% | 4 |
| Retained earnings to average equity (ytd only) | 1,032.7273% | 4 |
| Net charge-offs to loans | 0.2961% | 2,926 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | -13.2000% | 5,637 |
| Efficiency ratio | 158.9286% | 315 |
| Assets per employee ($millions) | 1.5957% | 8,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 4,846 |
| Loan loss allowance to noncurrent loans | 36.1991% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 3.1126% | 1,811 |
| Noncurrent loans to loans | 3.3005% | 1,939 |
| Net loans and leases to total assets | 69.1038% | 3,889 |
| Net loans and leases to deposits | 68.7448% | 6,106 |
| Net loans and leases to core deposits | 74.9009% | 6,751 |
| Total domestic deposits to total assets | 100.5222% | 5 |
| Equity capital to assets | -0.6580% | 8,240 |
| Core capital (leverage) ratio | 7.1466% | 7,529 |
| Tier 1 risk-based capital ratio | 12.8838% | 4,267 |
| Total risk-based capital ratio | 14.1458% | 4,181 |
| Memoranda: | ||
| Average total assets | $9,611,000 | 8,199 |
| Average earning assets | $8,510,500 | 8,183 |
| Average equity | $-27,500 | 8,242 |
| Average total loans | $6,753,500 | 8,046 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0646% | 983 |
| Cost of funding earning assets | 2.6492% | 3,438 |
| Net interest margin | 4.4154% | 1,641 |
| Noninterest income to average assets | 0.6740% | 3,301 |
| Noninterest expense to average assets | 7.5614% | 249 |
| Loan and lease loss provision to assets | -0.0421% | 8,231 |
| Net operating income to assets | -2.8961% | 7,803 |
| Return on assets (ROA) | -2.8961% | 7,770 |
| Pretax return on assets | -2.8961% | 7,682 |
| Return on Equity (ROE) | -219.6486% | 8,301 |
| Retained earnings to average equity (ytd only) | -219.6486% | 8,301 |
| Net charge-offs to loans | -0.0440% | 8,015 |
| Credit loss provision to net charge-offs | 133.3333% | 3,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 163.5535% | 304 |
| Assets per employee ($millions) | 1.3783% | 8,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 4,745 |
| Loan loss allowance to noncurrent loans | 41.8848% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 2.7778% | 1,691 |
| Noncurrent loans to loans | 2.8043% | 1,937 |
| Net loans and leases to total assets | 69.7658% | 4,068 |
| Net loans and leases to deposits | 70.0927% | 6,272 |
| Net loans and leases to core deposits | 76.2806% | 6,846 |
| Total domestic deposits to total assets | 99.5336% | 3 |
| Equity capital to assets | 0.0829% | 8,298 |
| Core capital (leverage) ratio | 7.8279% | 6,757 |
| Tier 1 risk-based capital ratio | 13.9479% | 3,570 |
| Total risk-based capital ratio | 15.2041% | 3,487 |
| Memoranda: | ||
| Average total assets | $9,495,600 | 8,256 |
| Average earning assets | $8,493,000 | 8,239 |
| Average equity | $125,200 | 8,304 |
| Average total loans | $6,818,200 | 8,087 |