Home > New Horizons Bank > Performance and Condition Ratios
New Horizons Bank, Performance and Condition Ratios
| 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 | 4.0654% | 6,572 |
| Cost of funding earning assets | 1.7858% | 399 |
| Net interest margin | 2.2796% | 7,320 |
| Noninterest income to average assets | -0.3668% | 7,472 |
| Noninterest expense to average assets | 3.4430% | 2,166 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.8749% | 7,264 |
| Return on assets (ROA) | -1.8749% | 7,262 |
| Pretax return on assets | -1.8749% | 7,229 |
| Return on Equity (ROE) | -919.2661% | 7,569 |
| Retained earnings to average equity (ytd only) | -919.2661% | 7,569 |
| Net charge-offs to loans | 1.1897% | 1,166 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -2.2982% | 4,972 |
| Efficiency ratio | 219.5704% | 56 |
| Assets per employee ($millions) | 4.9074% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6860% | 1,217 |
| Loan loss allowance to noncurrent loans | 22.7782% | 6,655 |
| Noncurrent assets plus other real estate owned to assets | 19.4411% | 72 |
| Noncurrent loans to loans | 11.7919% | 290 |
| Net loans and leases to total assets | 66.4102% | 2,899 |
| Net loans and leases to deposits | 69.1149% | 4,512 |
| Net loans and leases to core deposits | 71.4506% | 4,861 |
| Total domestic deposits to total assets | 96.0866% | 31 |
| Equity capital to assets | -0.0475% | 7,567 |
| Core capital (leverage) ratio | -0.1804% | 7,569 |
| Tier 1 risk-based capital ratio | -0.2371% | 7,568 |
| Total risk-based capital ratio | -0.2371% | 7,568 |
| Memoranda: | ||
| Average total assets | $106,883,000 | 4,814 |
| Average earning assets | $90,717,000 | 5,019 |
| Average equity | $218,000 | 7,570 |
| Average total loans | $73,294,500 | 4,499 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8137% | 5,369 |
| Cost of funding earning assets | 2.0346% | 534 |
| Net interest margin | 2.7791% | 7,054 |
| Noninterest income to average assets | -0.3742% | 7,534 |
| Noninterest expense to average assets | 3.1503% | 3,271 |
| Loan and lease loss provision to assets | 4.7433% | 87 |
| Net operating income to assets | -5.7746% | 7,578 |
| Return on assets (ROA) | -5.7464% | 7,579 |
| Pretax return on assets | -5.7464% | 7,573 |
| Return on Equity (ROE) | -139.3449% | 7,631 |
| Retained earnings to average equity (ytd only) | -139.3449% | 7,631 |
| Net charge-offs to loans | 7.3935% | 45 |
| Credit loss provision to net charge-offs | 86.0605% | 5,285 |
| Earnings coverage of net charge-offs (x) | -0.1871% | 6,284 |
| Efficiency ratio | 148.6688% | 219 |
| Assets per employee ($millions) | 5.0323% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7629% | 1,099 |
| Loan loss allowance to noncurrent loans | 33.2072% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 14.3680% | 187 |
| Noncurrent loans to loans | 8.3201% | 604 |
| Net loans and leases to total assets | 66.9798% | 3,230 |
| Net loans and leases to deposits | 69.8768% | 4,828 |
| Net loans and leases to core deposits | 72.6110% | 5,148 |
| Total domestic deposits to total assets | 95.8541% | 43 |
| Equity capital to assets | 0.4381% | 7,643 |
| Core capital (leverage) ratio | 0.2640% | 7,648 |
| Tier 1 risk-based capital ratio | 0.3735% | 7,648 |
| Total risk-based capital ratio | 0.7469% | 7,648 |
| Memoranda: | ||
| Average total assets | $120,527,200 | 4,472 |
| Average earning assets | $108,127,800 | 4,511 |
| Average equity | $4,970,400 | 6,671 |
| Average total loans | $89,848,600 | 4,058 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7763% | 5,753 |
| Cost of funding earning assets | 2.0818% | 571 |
| Net interest margin | 2.6946% | 7,238 |
| Noninterest income to average assets | -0.5236% | 7,682 |
| Noninterest expense to average assets | 2.9348% | 3,965 |
| Loan and lease loss provision to assets | 2.9662% | 295 |
| Net operating income to assets | -3.9886% | 7,574 |
| Return on assets (ROA) | -3.9517% | 7,580 |
| Pretax return on assets | -3.9517% | 7,559 |
| Return on Equity (ROE) | -79.7781% | 7,658 |
| Retained earnings to average equity (ytd only) | -79.7781% | 7,658 |
| Net charge-offs to loans | 5.6480% | 127 |
| Credit loss provision to net charge-offs | 69.2658% | 5,439 |
| Earnings coverage of net charge-offs (x) | -0.2387% | 6,203 |
| Efficiency ratio | 153.4580% | 191 |
| Assets per employee ($millions) | 5.1757% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0934% | 2,012 |
| Loan loss allowance to noncurrent loans | 20.7720% | 6,870 |
| Noncurrent assets plus other real estate owned to assets | 14.0608% | 189 |
| Noncurrent loans to loans | 10.0780% | 415 |
| Net loans and leases to total assets | 71.4659% | 2,361 |
| Net loans and leases to deposits | 77.3278% | 3,948 |
| Net loans and leases to core deposits | 83.8653% | 3,962 |
| Total domestic deposits to total assets | 92.4194% | 135 |
| Equity capital to assets | 3.2292% | 7,684 |
| Core capital (leverage) ratio | 2.9383% | 7,682 |
| Tier 1 risk-based capital ratio | 3.9764% | 7,688 |
| Total risk-based capital ratio | 5.2358% | 7,690 |
| Memoranda: | ||
| Average total assets | $122,981,250 | 4,476 |
| Average earning assets | $111,184,750 | 4,501 |
| Average equity | $6,091,750 | 6,419 |
| Average total loans | $93,245,500 | 4,048 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8606% | 5,571 |
| Cost of funding earning assets | 2.1430% | 566 |
| Net interest margin | 2.7176% | 7,239 |
| Noninterest income to average assets | -0.8415% | 7,782 |
| Noninterest expense to average assets | 2.9398% | 3,923 |
| Loan and lease loss provision to assets | 0.5841% | 2,443 |
| Net operating income to assets | -1.8923% | 7,278 |
| Return on assets (ROA) | -1.8923% | 7,288 |
| Pretax return on assets | -1.8923% | 7,209 |
| Return on Equity (ROE) | -34.3809% | 7,480 |
| Retained earnings to average equity (ytd only) | -34.3809% | 7,470 |
| Net charge-offs to loans | 0.9228% | 1,987 |
| Credit loss provision to net charge-offs | 82.5000% | 4,640 |
| Earnings coverage of net charge-offs (x) | -1.8477% | 6,196 |
| Efficiency ratio | 180.1775% | 128 |
| Assets per employee ($millions) | 5.3629% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0893% | 764 |
| Loan loss allowance to noncurrent loans | 34.1418% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 10.7786% | 342 |
| Noncurrent loans to loans | 9.0485% | 526 |
| Net loans and leases to total assets | 75.1771% | 1,655 |
| Net loans and leases to deposits | 82.9573% | 3,084 |
| Net loans and leases to core deposits | 87.9280% | 3,553 |
| Total domestic deposits to total assets | 90.6215% | 633 |
| Equity capital to assets | 5.1214% | 7,625 |
| Core capital (leverage) ratio | 4.8735% | 7,618 |
| Tier 1 risk-based capital ratio | 6.3785% | 7,643 |
| Total risk-based capital ratio | 7.6513% | 7,645 |
| Memoranda: | ||
| Average total assets | $124,295,000 | 4,484 |
| Average earning assets | $113,113,000 | 4,474 |
| Average equity | $6,841,000 | 6,192 |
| Average total loans | $95,363,330 | 4,030 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9459% | 5,250 |
| Cost of funding earning assets | 2.2385% | 526 |
| Net interest margin | 2.7074% | 7,289 |
| Noninterest income to average assets | -0.2084% | 7,806 |
| Noninterest expense to average assets | 2.7218% | 4,806 |
| Loan and lease loss provision to assets | 0.6829% | 1,866 |
| Net operating income to assets | -1.1509% | 7,195 |
| Return on assets (ROA) | -1.1509% | 7,210 |
| Pretax return on assets | -1.1509% | 7,122 |
| Return on Equity (ROE) | -20.2168% | 7,442 |
| Retained earnings to average equity (ytd only) | -20.2168% | 7,379 |
| Net charge-offs to loans | 0.3403% | 3,046 |
| Credit loss provision to net charge-offs | 262.9630% | 1,495 |
| Earnings coverage of net charge-offs (x) | -1.8025% | 5,456 |
| Efficiency ratio | 120.7681% | 434 |
| Assets per employee ($millions) | 5.3996% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3051% | 631 |
| Loan loss allowance to noncurrent loans | 37.4025% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 11.2280% | 315 |
| Noncurrent loans to loans | 8.8367% | 563 |
| Net loans and leases to total assets | 74.5591% | 1,843 |
| Net loans and leases to deposits | 82.6439% | 3,171 |
| Net loans and leases to core deposits | 87.8352% | 3,642 |
| Total domestic deposits to total assets | 90.2174% | 878 |
| Equity capital to assets | 5.6389% | 7,667 |
| Core capital (leverage) ratio | 5.4528% | 7,661 |
| Tier 1 risk-based capital ratio | 7.1612% | 7,684 |
| Total risk-based capital ratio | 8.4359% | 7,686 |
| Memoranda: | ||
| Average total assets | $124,769,500 | 4,527 |
| Average earning assets | $113,467,000 | 4,529 |
| Average equity | $7,103,000 | 6,160 |
| Average total loans | $95,203,000 | 4,095 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4852% | 4,226 |
| Cost of funding earning assets | 3.0217% | 215 |
| Net interest margin | 2.4635% | 7,464 |
| Noninterest income to average assets | -0.1476% | 7,833 |
| Noninterest expense to average assets | 2.5156% | 6,072 |
| Loan and lease loss provision to assets | 2.2510% | 919 |
| Net operating income to assets | -2.6366% | 7,305 |
| Return on assets (ROA) | -2.4368% | 7,250 |
| Pretax return on assets | -2.4368% | 7,127 |
| Return on Equity (ROE) | -33.1197% | 7,460 |
| Retained earnings to average equity (ytd only) | -33.1197% | 7,445 |
| Net charge-offs to loans | 1.8127% | 1,379 |
| Credit loss provision to net charge-offs | 157.3690% | 2,855 |
| Earnings coverage of net charge-offs (x) | -0.2697% | 6,514 |
| Efficiency ratio | 118.1085% | 641 |
| Assets per employee ($millions) | 5.6977% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2046% | 656 |
| Loan loss allowance to noncurrent loans | 39.1506% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 10.2889% | 347 |
| Noncurrent loans to loans | 8.1852% | 602 |
| Net loans and leases to total assets | 73.0863% | 2,484 |
| Net loans and leases to deposits | 81.0770% | 3,780 |
| Net loans and leases to core deposits | 106.9758% | 3,218 |
| Total domestic deposits to total assets | 90.1443% | 898 |
| Equity capital to assets | 5.7464% | 7,697 |
| Core capital (leverage) ratio | 5.7300% | 7,677 |
| Tier 1 risk-based capital ratio | 7.6298% | 7,688 |
| Total risk-based capital ratio | 8.9037% | 7,696 |
| Memoranda: | ||
| Average total assets | $128,079,200 | 4,381 |
| Average earning assets | $118,410,600 | 4,345 |
| Average equity | $9,423,400 | 5,472 |
| Average total loans | $101,062,800 | 3,916 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6261% | 3,715 |
| Cost of funding earning assets | 3.1875% | 197 |
| Net interest margin | 2.4386% | 7,530 |
| Noninterest income to average assets | -0.1740% | 7,967 |
| Noninterest expense to average assets | 2.3505% | 6,550 |
| Loan and lease loss provision to assets | 0.6731% | 2,721 |
| Net operating income to assets | -0.9350% | 6,786 |
| Return on assets (ROA) | -0.7963% | 6,691 |
| Pretax return on assets | -0.7963% | 6,540 |
| Return on Equity (ROE) | -10.2752% | 6,914 |
| Retained earnings to average equity (ytd only) | -10.2752% | 6,830 |
| Net charge-offs to loans | 0.8143% | 2,334 |
| Credit loss provision to net charge-offs | 103.6683% | 4,911 |
| Earnings coverage of net charge-offs (x) | -0.4035% | 6,430 |
| Efficiency ratio | 112.5434% | 722 |
| Assets per employee ($millions) | 5.6540% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0014% | 1,799 |
| Loan loss allowance to noncurrent loans | 34.1160% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 7.4862% | 598 |
| Noncurrent loans to loans | 5.8663% | 1,026 |
| Net loans and leases to total assets | 78.9274% | 1,406 |
| Net loans and leases to deposits | 89.7561% | 2,622 |
| Net loans and leases to core deposits | 119.2004% | 2,316 |
| Total domestic deposits to total assets | 87.9354% | 1,689 |
| Equity capital to assets | 7.8488% | 6,990 |
| Core capital (leverage) ratio | 7.6687% | 6,772 |
| Tier 1 risk-based capital ratio | 9.6019% | 7,302 |
| Total risk-based capital ratio | 10.8617% | 7,261 |
| Memoranda: | ||
| Average total assets | $128,761,750 | 4,395 |
| Average earning assets | $119,465,000 | 4,357 |
| Average equity | $9,978,500 | 5,343 |
| Average total loans | $102,667,000 | 3,915 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6719% | 3,704 |
| Cost of funding earning assets | 3.3213% | 193 |
| Net interest margin | 2.3506% | 7,625 |
| Noninterest income to average assets | -0.0276% | 7,995 |
| Noninterest expense to average assets | 2.4297% | 6,373 |
| Loan and lease loss provision to assets | 0.6451% | 2,498 |
| Net operating income to assets | -0.9154% | 6,909 |
| Return on assets (ROA) | -0.7096% | 6,762 |
| Pretax return on assets | -0.7096% | 6,611 |
| Return on Equity (ROE) | -9.1937% | 6,977 |
| Retained earnings to average equity (ytd only) | -9.1937% | 6,788 |
| Net charge-offs to loans | 1.0068% | 1,757 |
| Credit loss provision to net charge-offs | 80.6142% | 5,183 |
| Earnings coverage of net charge-offs (x) | -0.3378% | 5,983 |
| Efficiency ratio | 112.5178% | 785 |
| Assets per employee ($millions) | 5.7694% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9000% | 1,794 |
| Loan loss allowance to noncurrent loans | 38.1078% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 6.5266% | 695 |
| Noncurrent loans to loans | 4.9858% | 1,235 |
| Net loans and leases to total assets | 76.5178% | 2,052 |
| Net loans and leases to deposits | 86.8307% | 3,381 |
| Net loans and leases to core deposits | 113.9450% | 2,913 |
| Total domestic deposits to total assets | 88.1230% | 1,704 |
| Equity capital to assets | 7.6919% | 7,085 |
| Core capital (leverage) ratio | 7.3103% | 7,229 |
| Tier 1 risk-based capital ratio | 9.7772% | 7,156 |
| Total risk-based capital ratio | 11.0356% | 7,096 |
| Memoranda: | ||
| Average total assets | $130,219,330 | 4,386 |
| Average earning assets | $121,158,670 | 4,336 |
| Average equity | $10,050,330 | 5,347 |
| Average total loans | $103,495,330 | 3,925 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7568% | 3,497 |
| Cost of funding earning assets | 3.2628% | 296 |
| Net interest margin | 2.4941% | 7,508 |
| Noninterest income to average assets | 0.2487% | 6,466 |
| Noninterest expense to average assets | 2.2568% | 6,668 |
| Loan and lease loss provision to assets | 1.2740% | 1,004 |
| Net operating income to assets | -0.9494% | 7,222 |
| Return on assets (ROA) | -0.5430% | 6,964 |
| Pretax return on assets | -0.5430% | 6,850 |
| Return on Equity (ROE) | -7.0237% | 7,149 |
| Retained earnings to average equity (ytd only) | -7.0237% | 6,795 |
| Net charge-offs to loans | 1.8157% | 797 |
| Credit loss provision to net charge-offs | 87.5000% | 4,049 |
| Earnings coverage of net charge-offs (x) | 0.2229% | 4,806 |
| Efficiency ratio | 87.4266% | 1,940 |
| Assets per employee ($millions) | 5.5844% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8862% | 1,654 |
| Loan loss allowance to noncurrent loans | 103.3333% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 4.4327% | 1,096 |
| Noncurrent loans to loans | 1.8254% | 3,523 |
| Net loans and leases to total assets | 74.5937% | 2,601 |
| Net loans and leases to deposits | 84.2356% | 3,943 |
| Net loans and leases to core deposits | 107.9014% | 3,697 |
| Total domestic deposits to total assets | 88.5537% | 1,457 |
| Equity capital to assets | 7.5209% | 7,335 |
| Core capital (leverage) ratio | 7.6022% | 7,024 |
| Tier 1 risk-based capital ratio | 9.4710% | 7,450 |
| Total risk-based capital ratio | 10.7285% | 7,392 |
| Memoranda: | ||
| Average total assets | $131,866,000 | 4,375 |
| Average earning assets | $123,331,500 | 4,298 |
| Average equity | $10,194,000 | 5,326 |
| Average total loans | $105,742,000 | 3,889 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7773% | 1,761 |
| Cost of funding earning assets | 3.7993% | 200 |
| Net interest margin | 2.9780% | 6,972 |
| Noninterest income to average assets | -0.1792% | 8,221 |
| Noninterest expense to average assets | 2.1920% | 6,985 |
| Loan and lease loss provision to assets | 0.9299% | 1,593 |
| Net operating income to assets | -0.4920% | 6,919 |
| Return on assets (ROA) | -0.4719% | 6,780 |
| Pretax return on assets | -0.4719% | 6,632 |
| Return on Equity (ROE) | -5.8382% | 6,951 |
| Retained earnings to average equity (ytd only) | -7.1090% | 6,794 |
| Net charge-offs to loans | 0.2926% | 3,443 |
| Credit loss provision to net charge-offs | 375.0779% | 1,170 |
| Earnings coverage of net charge-offs (x) | 1.7664% | 5,190 |
| Efficiency ratio | 83.3480% | 2,134 |
| Assets per employee ($millions) | 5.4044% | 1,532 |
| Cash dividends to net income (ytd only)* | -21.7676% | 7,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8086% | 1,612 |
| Loan loss allowance to noncurrent loans | 47.7245% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 3.4771% | 1,282 |
| Noncurrent loans to loans | 3.7897% | 1,314 |
| Net loans and leases to total assets | 82.9607% | 1,053 |
| Net loans and leases to deposits | 93.4599% | 2,865 |
| Net loans and leases to core deposits | 119.8728% | 2,703 |
| Total domestic deposits to total assets | 88.7661% | 1,125 |
| Equity capital to assets | 7.9472% | 6,910 |
| Core capital (leverage) ratio | 7.8586% | 6,714 |
| Tier 1 risk-based capital ratio | 9.3797% | 7,430 |
| Total risk-based capital ratio | 10.6372% | 7,350 |
| Memoranda: | ||
| Average total assets | $129,472,400 | 4,295 |
| Average earning assets | $122,128,000 | 4,211 |
| Average equity | $10,465,600 | 5,277 |
| Average total loans | $109,717,600 | 3,682 |