Home > The Home Builders Association > Performance and Condition Ratios
The Home Builders Association, 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 | 5.9664% | 505 |
| Cost of funding earning assets | 1.6770% | 615 |
| Net interest margin | 4.2894% | 1,589 |
| Noninterest income to average assets | 0.4015% | 4,689 |
| Noninterest expense to average assets | 4.3696% | 677 |
| Loan and lease loss provision to assets | 0.1544% | 4,093 |
| Net operating income to assets | 0.5867% | 4,104 |
| Return on assets (ROA) | 0.5867% | 4,171 |
| Pretax return on assets | -0.0154% | 6,371 |
| Return on Equity (ROE) | 3.4522% | 5,167 |
| Retained earnings to average equity (ytd only) | 3.4522% | 4,118 |
| Net charge-offs to loans | 0.0176% | 4,834 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 1,768 |
| Efficiency ratio | 96.9178% | 879 |
| Assets per employee ($millions) | 6.5693% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5003% | 7,281 |
| Loan loss allowance to noncurrent loans | 18.6688% | 6,809 |
| Noncurrent assets plus other real estate owned to assets | 2.8542% | 2,415 |
| Noncurrent loans to loans | 2.6797% | 2,811 |
| Net loans and leases to total assets | 87.0457% | 99 |
| Net loans and leases to deposits | 113.0592% | 141 |
| Net loans and leases to core deposits | 118.6975% | 452 |
| Total domestic deposits to total assets | 76.9913% | 6,541 |
| Equity capital to assets | 16.8322% | 462 |
| Core capital (leverage) ratio | 16.8246% | 407 |
| Tier 1 risk-based capital ratio | 23.2301% | 1,057 |
| Total risk-based capital ratio | 23.8503% | 1,111 |
| Memoranda: | ||
| Average total assets | $25,906,000 | 7,264 |
| Average earning assets | $24,805,500 | 7,204 |
| Average equity | $4,403,000 | 6,743 |
| Average total loans | $22,792,000 | 6,704 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0534% | 769 |
| Cost of funding earning assets | 1.9528% | 717 |
| Net interest margin | 4.1005% | 2,558 |
| Noninterest income to average assets | 0.1314% | 6,736 |
| Noninterest expense to average assets | 3.0827% | 3,532 |
| Loan and lease loss provision to assets | 0.2390% | 4,893 |
| Net operating income to assets | 0.4660% | 4,243 |
| Return on assets (ROA) | 0.4660% | 4,411 |
| Pretax return on assets | 0.7488% | 3,803 |
| Return on Equity (ROE) | 2.6932% | 5,092 |
| Retained earnings to average equity (ytd only) | 2.6932% | 3,975 |
| Net charge-offs to loans | 0.0456% | 6,350 |
| Credit loss provision to net charge-offs | 600.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 24.8000% | 849 |
| Efficiency ratio | 75.7339% | 3,087 |
| Assets per employee ($millions) | 6.3838% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4868% | 7,366 |
| Loan loss allowance to noncurrent loans | 14.9660% | 6,991 |
| Noncurrent assets plus other real estate owned to assets | 3.6107% | 1,906 |
| Noncurrent loans to loans | 3.2528% | 2,335 |
| Net loans and leases to total assets | 88.0595% | 97 |
| Net loans and leases to deposits | 117.5739% | 131 |
| Net loans and leases to core deposits | 121.4278% | 488 |
| Total domestic deposits to total assets | 74.8972% | 6,783 |
| Equity capital to assets | 17.1647% | 440 |
| Core capital (leverage) ratio | 17.1491% | 389 |
| Tier 1 risk-based capital ratio | 27.7457% | 631 |
| Total risk-based capital ratio | 28.4619% | 652 |
| Memoranda: | ||
| Average total assets | $25,108,000 | 7,343 |
| Average earning assets | $24,118,800 | 7,284 |
| Average equity | $4,344,200 | 6,872 |
| Average total loans | $21,949,000 | 6,827 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1607% | 669 |
| Cost of funding earning assets | 1.9685% | 836 |
| Net interest margin | 4.1921% | 2,245 |
| Noninterest income to average assets | 0.1333% | 6,891 |
| Noninterest expense to average assets | 2.9011% | 4,086 |
| Loan and lease loss provision to assets | 0.2400% | 4,682 |
| Net operating income to assets | 0.6880% | 3,475 |
| Return on assets (ROA) | 0.6880% | 3,629 |
| Pretax return on assets | 1.0239% | 3,093 |
| Return on Equity (ROE) | 3.9682% | 4,796 |
| Retained earnings to average equity (ytd only) | 3.9682% | 3,685 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6543% | 4,144 |
| Assets per employee ($millions) | 6.4633% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4672% | 7,486 |
| Loan loss allowance to noncurrent loans | 22.8070% | 6,767 |
| Noncurrent assets plus other real estate owned to assets | 1.7638% | 3,796 |
| Noncurrent loans to loans | 2.0484% | 3,621 |
| Net loans and leases to total assets | 85.7038% | 227 |
| Net loans and leases to deposits | 116.0417% | 156 |
| Net loans and leases to core deposits | 119.8259% | 616 |
| Total domestic deposits to total assets | 73.8560% | 6,936 |
| Equity capital to assets | 16.9961% | 515 |
| Core capital (leverage) ratio | 16.9807% | 432 |
| Tier 1 risk-based capital ratio | 28.5093% | 598 |
| Total risk-based capital ratio | 29.2043% | 610 |
| Memoranda: | ||
| Average total assets | $25,001,250 | 7,440 |
| Average earning assets | $24,044,500 | 7,376 |
| Average equity | $4,334,500 | 6,966 |
| Average total loans | $21,787,250 | 6,923 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2015% | 620 |
| Cost of funding earning assets | 1.9774% | 959 |
| Net interest margin | 4.2241% | 2,072 |
| Noninterest income to average assets | 0.1295% | 6,943 |
| Noninterest expense to average assets | 2.8887% | 4,118 |
| Loan and lease loss provision to assets | 0.2427% | 4,492 |
| Net operating income to assets | 0.7201% | 3,314 |
| Return on assets (ROA) | 0.7201% | 3,468 |
| Pretax return on assets | 1.0600% | 2,903 |
| Return on Equity (ROE) | 4.1255% | 4,721 |
| Retained earnings to average equity (ytd only) | 4.1255% | 3,444 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9189% | 4,394 |
| Assets per employee ($millions) | 6.3935% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3999% | 7,598 |
| Loan loss allowance to noncurrent loans | 17.0498% | 7,071 |
| Noncurrent assets plus other real estate owned to assets | 2.0411% | 3,451 |
| Noncurrent loans to loans | 2.3455% | 3,320 |
| Net loans and leases to total assets | 86.6740% | 185 |
| Net loans and leases to deposits | 119.6158% | 126 |
| Net loans and leases to core deposits | 121.7377% | 641 |
| Total domestic deposits to total assets | 72.4603% | 7,141 |
| Equity capital to assets | 17.0290% | 521 |
| Core capital (leverage) ratio | 17.0167% | 440 |
| Tier 1 risk-based capital ratio | 28.6646% | 587 |
| Total risk-based capital ratio | 29.2641% | 615 |
| Memoranda: | ||
| Average total assets | $24,717,330 | 7,506 |
| Average earning assets | $23,768,330 | 7,446 |
| Average equity | $4,314,670 | 7,006 |
| Average total loans | $21,629,330 | 6,986 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3043% | 525 |
| Cost of funding earning assets | 1.9872% | 1,138 |
| Net interest margin | 4.3171% | 1,640 |
| Noninterest income to average assets | 0.1482% | 6,911 |
| Noninterest expense to average assets | 3.0466% | 3,492 |
| Loan and lease loss provision to assets | 0.2470% | 4,070 |
| Net operating income to assets | 0.7411% | 3,256 |
| Return on assets (ROA) | 0.7411% | 3,356 |
| Pretax return on assets | 1.0046% | 3,081 |
| Return on Equity (ROE) | 4.1914% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.1914% | 3,634 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8812% | 4,139 |
| Assets per employee ($millions) | 6.2013% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3441% | 7,725 |
| Loan loss allowance to noncurrent loans | 17.6611% | 7,122 |
| Noncurrent assets plus other real estate owned to assets | 1.6892% | 3,947 |
| Noncurrent loans to loans | 1.9486% | 3,861 |
| Net loans and leases to total assets | 86.3898% | 195 |
| Net loans and leases to deposits | 122.4864% | 117 |
| Net loans and leases to core deposits | 124.7613% | 623 |
| Total domestic deposits to total assets | 70.5301% | 7,377 |
| Equity capital to assets | 17.3997% | 482 |
| Core capital (leverage) ratio | 17.3971% | 418 |
| Tier 1 risk-based capital ratio | 29.7463% | 538 |
| Total risk-based capital ratio | 30.2633% | 568 |
| Memoranda: | ||
| Average total assets | $24,289,000 | 7,612 |
| Average earning assets | $23,349,000 | 7,554 |
| Average equity | $4,294,500 | 7,074 |
| Average total loans | $21,316,500 | 7,082 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2982% | 1,032 |
| Cost of funding earning assets | 2.3596% | 1,426 |
| Net interest margin | 3.9386% | 3,124 |
| Noninterest income to average assets | 0.1845% | 6,770 |
| Noninterest expense to average assets | 3.0377% | 3,997 |
| Loan and lease loss provision to assets | 0.2574% | 5,336 |
| Net operating income to assets | 0.4720% | 3,851 |
| Return on assets (ROA) | 0.4720% | 3,959 |
| Pretax return on assets | 0.6564% | 3,721 |
| Return on Equity (ROE) | 2.6127% | 4,657 |
| Retained earnings to average equity (ytd only) | 2.6127% | 3,315 |
| Net charge-offs to loans | 0.2977% | 4,770 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 3.5500% | 3,297 |
| Efficiency ratio | 76.8730% | 3,376 |
| Assets per employee ($millions) | 5.9433% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2840% | 7,833 |
| Loan loss allowance to noncurrent loans | 10.0840% | 7,366 |
| Noncurrent assets plus other real estate owned to assets | 2.5028% | 2,793 |
| Noncurrent loans to loans | 2.8159% | 2,746 |
| Net loans and leases to total assets | 88.6300% | 144 |
| Net loans and leases to deposits | 126.3492% | 112 |
| Net loans and leases to core deposits | 149.6449% | 517 |
| Total domestic deposits to total assets | 70.1468% | 7,416 |
| Equity capital to assets | 17.9742% | 447 |
| Core capital (leverage) ratio | 17.9653% | 412 |
| Tier 1 risk-based capital ratio | 30.1895% | 514 |
| Total risk-based capital ratio | 30.6278% | 544 |
| Memoranda: | ||
| Average total assets | $23,307,200 | 7,689 |
| Average earning assets | $22,292,200 | 7,643 |
| Average equity | $4,210,200 | 7,208 |
| Average total loans | $20,154,400 | 7,184 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2769% | 1,183 |
| Cost of funding earning assets | 2.4253% | 1,544 |
| Net interest margin | 3.8516% | 3,424 |
| Noninterest income to average assets | 0.1265% | 7,256 |
| Noninterest expense to average assets | 2.9666% | 4,180 |
| Loan and lease loss provision to assets | 0.2587% | 4,885 |
| Net operating income to assets | 0.3392% | 4,640 |
| Return on assets (ROA) | 0.3392% | 4,740 |
| Pretax return on assets | 0.5807% | 4,251 |
| Return on Equity (ROE) | 1.8753% | 5,213 |
| Retained earnings to average equity (ytd only) | 1.8753% | 4,273 |
| Net charge-offs to loans | 0.3616% | 3,843 |
| Credit loss provision to net charge-offs | 83.3333% | 5,666 |
| Earnings coverage of net charge-offs (x) | 2.7036% | 3,875 |
| Efficiency ratio | 77.9456% | 3,173 |
| Assets per employee ($millions) | 5.8878% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2474% | 7,942 |
| Loan loss allowance to noncurrent loans | 15.9744% | 7,286 |
| Noncurrent assets plus other real estate owned to assets | 1.3588% | 4,371 |
| Noncurrent loans to loans | 1.5484% | 4,319 |
| Net loans and leases to total assets | 85.6184% | 380 |
| Net loans and leases to deposits | 120.7064% | 188 |
| Net loans and leases to core deposits | 141.4124% | 857 |
| Total domestic deposits to total assets | 70.9312% | 7,335 |
| Equity capital to assets | 17.9271% | 521 |
| Core capital (leverage) ratio | 17.9162% | 459 |
| Tier 1 risk-based capital ratio | 31.1890% | 510 |
| Total risk-based capital ratio | 31.5883% | 536 |
| Memoranda: | ||
| Average total assets | $23,190,750 | 7,761 |
| Average earning assets | $22,154,750 | 7,716 |
| Average equity | $4,194,500 | 7,284 |
| Average total loans | $19,910,500 | 7,265 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2854% | 1,245 |
| Cost of funding earning assets | 2.4761% | 1,697 |
| Net interest margin | 3.8094% | 3,517 |
| Noninterest income to average assets | 0.0867% | 7,541 |
| Noninterest expense to average assets | 2.9735% | 4,191 |
| Loan and lease loss provision to assets | 0.2601% | 4,498 |
| Net operating income to assets | 0.2427% | 5,116 |
| Return on assets (ROA) | 0.2427% | 5,210 |
| Pretax return on assets | 0.4941% | 4,638 |
| Return on Equity (ROE) | 1.3380% | 5,524 |
| Retained earnings to average equity (ytd only) | 1.3380% | 4,597 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7674% | 3,082 |
| Assets per employee ($millions) | 5.9528% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4458% | 7,847 |
| Loan loss allowance to noncurrent loans | 22.8426% | 6,974 |
| Noncurrent assets plus other real estate owned to assets | 1.6547% | 3,722 |
| Noncurrent loans to loans | 1.9515% | 3,589 |
| Net loans and leases to total assets | 84.4148% | 577 |
| Net loans and leases to deposits | 120.3017% | 227 |
| Net loans and leases to core deposits | 143.3155% | 865 |
| Total domestic deposits to total assets | 70.1692% | 7,456 |
| Equity capital to assets | 17.6011% | 594 |
| Core capital (leverage) ratio | 17.5865% | 552 |
| Tier 1 risk-based capital ratio | 30.4576% | 577 |
| Total risk-based capital ratio | 31.1195% | 598 |
| Memoranda: | ||
| Average total assets | $23,070,670 | 7,847 |
| Average earning assets | $22,051,000 | 7,795 |
| Average equity | $4,185,330 | 7,346 |
| Average total loans | $19,809,330 | 7,339 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4242% | 1,010 |
| Cost of funding earning assets | 2.4963% | 1,931 |
| Net interest margin | 3.9280% | 2,940 |
| Noninterest income to average assets | 0.1410% | 7,293 |
| Noninterest expense to average assets | 2.7312% | 4,868 |
| Loan and lease loss provision to assets | 0.2643% | 3,845 |
| Net operating income to assets | 0.6696% | 3,710 |
| Return on assets (ROA) | 0.6696% | 3,886 |
| Pretax return on assets | 0.9163% | 3,656 |
| Return on Equity (ROE) | 3.6342% | 5,115 |
| Retained earnings to average equity (ytd only) | 3.6342% | 3,878 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8198% | 4,621 |
| Assets per employee ($millions) | 5.7680% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3898% | 7,959 |
| Loan loss allowance to noncurrent loans | 31.2757% | 6,455 |
| Noncurrent assets plus other real estate owned to assets | 1.0532% | 4,583 |
| Noncurrent loans to loans | 1.2463% | 4,479 |
| Net loans and leases to total assets | 84.1756% | 665 |
| Net loans and leases to deposits | 123.3393% | 223 |
| Net loans and leases to core deposits | 145.8143% | 872 |
| Total domestic deposits to total assets | 68.2472% | 7,579 |
| Equity capital to assets | 18.2082% | 581 |
| Core capital (leverage) ratio | 18.2011% | 531 |
| Tier 1 risk-based capital ratio | 32.7382% | 501 |
| Total risk-based capital ratio | 33.3619% | 512 |
| Memoranda: | ||
| Average total assets | $22,700,500 | 7,907 |
| Average earning assets | $21,792,500 | 7,849 |
| Average equity | $4,182,500 | 7,388 |
| Average total loans | $19,619,000 | 7,395 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7463% | 1,883 |
| Cost of funding earning assets | 2.9334% | 2,129 |
| Net interest margin | 3.8129% | 3,963 |
| Noninterest income to average assets | 0.1942% | 7,067 |
| Noninterest expense to average assets | 3.2293% | 3,227 |
| Loan and lease loss provision to assets | 0.0813% | 6,374 |
| Net operating income to assets | 0.3387% | 5,402 |
| Return on assets (ROA) | 0.3387% | 5,223 |
| Pretax return on assets | 0.5058% | 4,959 |
| Return on Equity (ROE) | 1.7785% | 5,679 |
| Retained earnings to average equity (ytd only) | 1.7785% | 4,135 |
| Net charge-offs to loans | 0.1404% | 4,816 |
| Credit loss provision to net charge-offs | 66.6667% | 6,127 |
| Earnings coverage of net charge-offs (x) | 4.8148% | 3,846 |
| Efficiency ratio | 84.6154% | 1,996 |
| Assets per employee ($millions) | 3.7215% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3039% | 8,081 |
| Loan loss allowance to noncurrent loans | 22.7273% | 7,113 |
| Noncurrent assets plus other real estate owned to assets | 1.1823% | 3,895 |
| Noncurrent loans to loans | 1.3373% | 3,841 |
| Net loans and leases to total assets | 88.1410% | 351 |
| Net loans and leases to deposits | 128.9458% | 226 |
| Net loans and leases to core deposits | 147.3570% | 963 |
| Total domestic deposits to total assets | 68.3551% | 7,434 |
| Equity capital to assets | 18.6484% | 582 |
| Core capital (leverage) ratio | 18.6321% | 546 |
| Tier 1 risk-based capital ratio | 33.2614% | 503 |
| Total risk-based capital ratio | 33.7491% | 517 |
| Memoranda: | ||
| Average total assets | $22,141,200 | 7,940 |
| Average earning assets | $21,033,800 | 7,893 |
| Average equity | $4,217,000 | 7,425 |
| Average total loans | $19,225,600 | 7,386 |