Home > New South Federal Savings Bank > Performance and Condition Ratios
New South Federal Savings Bank, Performance and Condition Ratios
| 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 | 6.5462% | 681 |
| Cost of funding earning assets | 3.8513% | 15 |
| Net interest margin | 2.6948% | 7,214 |
| Noninterest income to average assets | -0.4309% | 8,034 |
| Noninterest expense to average assets | 3.5243% | 2,216 |
| Loan and lease loss provision to assets | 7.5292% | 55 |
| Net operating income to assets | -9.1591% | 8,033 |
| Return on assets (ROA) | -8.4045% | 8,017 |
| Pretax return on assets | -8.3709% | 8,004 |
| Return on Equity (ROE) | -233.0882% | 8,083 |
| Retained earnings to average equity (ytd only) | -233.0882% | 8,083 |
| Net charge-offs to loans | 8.4984% | 72 |
| Credit loss provision to net charge-offs | 117.3397% | 4,338 |
| Earnings coverage of net charge-offs (x) | -0.2488% | 6,321 |
| Efficiency ratio | 182.4179% | 190 |
| Assets per employee ($millions) | 3.8429% | 4,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5119% | 417 |
| Loan loss allowance to noncurrent loans | 19.7834% | 7,105 |
| Noncurrent assets plus other real estate owned to assets | 17.0575% | 80 |
| Noncurrent loans to loans | 17.7516% | 93 |
| Net loans and leases to total assets | 72.1000% | 3,016 |
| Net loans and leases to deposits | 90.6968% | 2,448 |
| Net loans and leases to core deposits | 109.9959% | 3,238 |
| Total domestic deposits to total assets | 79.4956% | 5,627 |
| Equity capital to assets | 0.1789% | 8,084 |
| Core capital (leverage) ratio | 0.2807% | 8,083 |
| Tier 1 risk-based capital ratio | 0.4820% | 8,082 |
| Total risk-based capital ratio | 0.9712% | 8,082 |
| Memoranda: | ||
| Average total assets | $1,746,348,000 | 418 |
| Average earning assets | $1,528,676,000 | 428 |
| Average equity | $62,968,000 | 1,062 |
| Average total loans | $1,318,556,750 | 389 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5881% | 674 |
| Cost of funding earning assets | 3.8290% | 34 |
| Net interest margin | 2.7590% | 7,089 |
| Noninterest income to average assets | -0.4929% | 8,117 |
| Noninterest expense to average assets | 3.4558% | 2,480 |
| Loan and lease loss provision to assets | 7.0547% | 93 |
| Net operating income to assets | -8.5550% | 8,088 |
| Return on assets (ROA) | -7.5453% | 8,062 |
| Pretax return on assets | -7.5453% | 8,044 |
| Return on Equity (ROE) | -167.1393% | 8,136 |
| Retained earnings to average equity (ytd only) | -167.1393% | 8,134 |
| Net charge-offs to loans | 8.3715% | 90 |
| Credit loss provision to net charge-offs | 111.3058% | 4,158 |
| Earnings coverage of net charge-offs (x) | -0.2367% | 5,913 |
| Efficiency ratio | 176.3545% | 261 |
| Assets per employee ($millions) | 4.1559% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4836% | 917 |
| Loan loss allowance to noncurrent loans | 15.8773% | 7,336 |
| Noncurrent assets plus other real estate owned to assets | 14.4486% | 111 |
| Noncurrent loans to loans | 15.6422% | 119 |
| Net loans and leases to total assets | 69.8113% | 3,747 |
| Net loans and leases to deposits | 93.6254% | 2,152 |
| Net loans and leases to core deposits | 109.3287% | 3,453 |
| Total domestic deposits to total assets | 74.5645% | 6,855 |
| Equity capital to assets | 2.4715% | 8,135 |
| Core capital (leverage) ratio | 2.6129% | 8,131 |
| Tier 1 risk-based capital ratio | 4.5413% | 8,115 |
| Total risk-based capital ratio | 5.8142% | 8,116 |
| Memoranda: | ||
| Average total assets | $1,840,421,670 | 404 |
| Average earning assets | $1,633,255,000 | 412 |
| Average equity | $83,084,000 | 792 |
| Average total loans | $1,393,390,000 | 381 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6788% | 604 |
| Cost of funding earning assets | 3.7051% | 87 |
| Net interest margin | 2.9737% | 6,551 |
| Noninterest income to average assets | 0.1086% | 7,488 |
| Noninterest expense to average assets | 3.0452% | 3,573 |
| Loan and lease loss provision to assets | 3.7154% | 268 |
| Net operating income to assets | -3.9405% | 7,971 |
| Return on assets (ROA) | -2.1965% | 7,708 |
| Pretax return on assets | -2.1965% | 7,589 |
| Return on Equity (ROE) | -40.4303% | 7,993 |
| Retained earnings to average equity (ytd only) | -40.4303% | 7,972 |
| Net charge-offs to loans | 4.2185% | 284 |
| Credit loss provision to net charge-offs | 113.5503% | 3,420 |
| Earnings coverage of net charge-offs (x) | -0.0688% | 5,041 |
| Efficiency ratio | 107.7381% | 872 |
| Assets per employee ($millions) | 4.1624% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8474% | 1,746 |
| Loan loss allowance to noncurrent loans | 16.6983% | 7,329 |
| Noncurrent assets plus other real estate owned to assets | 10.7254% | 190 |
| Noncurrent loans to loans | 11.0636% | 220 |
| Net loans and leases to total assets | 72.5064% | 3,122 |
| Net loans and leases to deposits | 101.0292% | 1,275 |
| Net loans and leases to core deposits | 114.6290% | 2,942 |
| Total domestic deposits to total assets | 71.7678% | 7,243 |
| Equity capital to assets | 5.2377% | 8,098 |
| Core capital (leverage) ratio | 5.4089% | 8,089 |
| Tier 1 risk-based capital ratio | 9.0152% | 7,786 |
| Total risk-based capital ratio | 10.2779% | 7,803 |
| Memoranda: | ||
| Average total assets | $1,904,514,000 | 388 |
| Average earning assets | $1,736,546,000 | 388 |
| Average equity | $103,467,000 | 646 |
| Average total loans | $1,477,196,000 | 371 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9741% | 1,198 |
| Cost of funding earning assets | 3.7953% | 203 |
| Net interest margin | 3.1789% | 6,433 |
| Noninterest income to average assets | 0.1387% | 7,410 |
| Noninterest expense to average assets | 3.3666% | 2,773 |
| Loan and lease loss provision to assets | 2.3713% | 459 |
| Net operating income to assets | -2.5308% | 7,717 |
| Return on assets (ROA) | -1.3264% | 7,342 |
| Pretax return on assets | -1.3338% | 7,182 |
| Return on Equity (ROE) | -19.9984% | 7,757 |
| Retained earnings to average equity (ytd only) | -21.3972% | 7,714 |
| Net charge-offs to loans | 2.6196% | 356 |
| Credit loss provision to net charge-offs | 107.2248% | 5,005 |
| Earnings coverage of net charge-offs (x) | -0.0809% | 6,308 |
| Efficiency ratio | 105.2340% | 831 |
| Assets per employee ($millions) | 3.5377% | 4,572 |
| Cash dividends to net income (ytd only)* | -6.9944% | 7,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 2,505 |
| Loan loss allowance to noncurrent loans | 17.7424% | 7,322 |
| Noncurrent assets plus other real estate owned to assets | 9.1796% | 207 |
| Noncurrent loans to loans | 8.6766% | 290 |
| Net loans and leases to total assets | 79.9950% | 1,665 |
| Net loans and leases to deposits | 119.0551% | 405 |
| Net loans and leases to core deposits | 132.7946% | 1,670 |
| Total domestic deposits to total assets | 67.1916% | 7,553 |
| Equity capital to assets | 5.6273% | 8,118 |
| Core capital (leverage) ratio | 5.9386% | 8,099 |
| Tier 1 risk-based capital ratio | 8.8604% | 7,871 |
| Total risk-based capital ratio | 10.1182% | 7,899 |
| Memoranda: | ||
| Average total assets | $1,940,164,600 | 371 |
| Average earning assets | $1,860,887,800 | 349 |
| Average equity | $128,685,200 | 533 |
| Average total loans | $1,637,987,800 | 325 |