Home > First Federal Bank of California, a Federal Savings Bank > Performance and Condition Ratios
First Federal Bank of California, a 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 | 5.0775% | 6,349 |
| Cost of funding earning assets | 2.6732% | 858 |
| Net interest margin | 2.4044% | 7,559 |
| Noninterest income to average assets | 0.3659% | 5,578 |
| Noninterest expense to average assets | 1.3261% | 7,950 |
| Loan and lease loss provision to assets | 4.1413% | 275 |
| Net operating income to assets | -2.8424% | 7,555 |
| Return on assets (ROA) | -2.7474% | 7,531 |
| Pretax return on assets | -2.7474% | 7,433 |
| Return on Equity (ROE) | -55.8235% | 7,874 |
| Retained earnings to average equity (ytd only) | -55.8235% | 7,869 |
| Net charge-offs to loans | 6.1064% | 139 |
| Credit loss provision to net charge-offs | 73.0717% | 5,920 |
| Earnings coverage of net charge-offs (x) | 0.2292% | 5,788 |
| Efficiency ratio | 50.5188% | 7,517 |
| Assets per employee ($millions) | 12.0705% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2751% | 244 |
| Loan loss allowance to noncurrent loans | 62.2648% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 9.2397% | 411 |
| Noncurrent loans to loans | 6.8660% | 792 |
| Net loans and leases to total assets | 88.9425% | 157 |
| Net loans and leases to deposits | 120.4013% | 198 |
| Net loans and leases to core deposits | 172.5301% | 250 |
| Total domestic deposits to total assets | 73.8717% | 6,972 |
| Equity capital to assets | 4.2520% | 7,991 |
| Core capital (leverage) ratio | 4.2489% | 7,966 |
| Tier 1 risk-based capital ratio | 7.5912% | 7,845 |
| Total risk-based capital ratio | 8.9134% | 7,842 |
| Memoranda: | ||
| Average total assets | $6,696,658,750 | 144 |
| Average earning assets | $6,292,091,250 | 142 |
| Average equity | $329,585,250 | 240 |
| Average total loans | $6,215,210,750 | 112 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1081% | 6,403 |
| Cost of funding earning assets | 2.7883% | 819 |
| Net interest margin | 2.3198% | 7,664 |
| Noninterest income to average assets | 0.2855% | 6,224 |
| Noninterest expense to average assets | 1.3461% | 8,040 |
| Loan and lease loss provision to assets | 4.0111% | 305 |
| Net operating income to assets | -2.8867% | 7,649 |
| Return on assets (ROA) | -2.7481% | 7,611 |
| Pretax return on assets | -2.7481% | 7,486 |
| Return on Equity (ROE) | -53.6634% | 7,940 |
| Retained earnings to average equity (ytd only) | -53.6634% | 7,936 |
| Net charge-offs to loans | 5.9431% | 186 |
| Credit loss provision to net charge-offs | 72.7441% | 5,369 |
| Earnings coverage of net charge-offs (x) | 0.2039% | 5,469 |
| Efficiency ratio | 54.4873% | 7,282 |
| Assets per employee ($millions) | 12.3994% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4355% | 179 |
| Loan loss allowance to noncurrent loans | 49.5964% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 10.1588% | 281 |
| Noncurrent loans to loans | 8.9433% | 446 |
| Net loans and leases to total assets | 92.0844% | 56 |
| Net loans and leases to deposits | 125.9818% | 148 |
| Net loans and leases to core deposits | 168.7581% | 332 |
| Total domestic deposits to total assets | 73.0934% | 7,097 |
| Equity capital to assets | 4.7923% | 8,051 |
| Core capital (leverage) ratio | 4.7892% | 8,039 |
| Tier 1 risk-based capital ratio | 8.2993% | 7,882 |
| Total risk-based capital ratio | 9.6253% | 7,896 |
| Memoranda: | ||
| Average total assets | $6,880,910,670 | 147 |
| Average earning assets | $6,481,139,670 | 140 |
| Average equity | $352,367,000 | 235 |
| Average total loans | $6,384,085,000 | 114 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3852% | 5,502 |
| Cost of funding earning assets | 2.8288% | 913 |
| Net interest margin | 2.5565% | 7,430 |
| Noninterest income to average assets | 0.1508% | 7,221 |
| Noninterest expense to average assets | 1.2853% | 8,085 |
| Loan and lease loss provision to assets | 4.2011% | 220 |
| Net operating income to assets | -2.9326% | 7,834 |
| Return on assets (ROA) | -2.8544% | 7,828 |
| Pretax return on assets | -2.8544% | 7,728 |
| Return on Equity (ROE) | -54.1901% | 8,065 |
| Retained earnings to average equity (ytd only) | -54.1901% | 8,047 |
| Net charge-offs to loans | 5.8734% | 164 |
| Credit loss provision to net charge-offs | 78.4420% | 4,215 |
| Earnings coverage of net charge-offs (x) | 0.2369% | 4,792 |
| Efficiency ratio | 50.3279% | 7,564 |
| Assets per employee ($millions) | 13.2392% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7131% | 125 |
| Loan loss allowance to noncurrent loans | 63.8493% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 8.3960% | 330 |
| Noncurrent loans to loans | 7.3817% | 512 |
| Net loans and leases to total assets | 89.8471% | 145 |
| Net loans and leases to deposits | 127.0339% | 177 |
| Net loans and leases to core deposits | 162.9886% | 451 |
| Total domestic deposits to total assets | 70.7269% | 7,360 |
| Equity capital to assets | 5.1350% | 8,109 |
| Core capital (leverage) ratio | 5.0960% | 8,119 |
| Tier 1 risk-based capital ratio | 9.0296% | 7,780 |
| Total risk-based capital ratio | 10.3614% | 7,740 |
| Memoranda: | ||
| Average total assets | $7,140,930,500 | 146 |
| Average earning assets | $6,712,068,500 | 141 |
| Average equity | $376,135,000 | 228 |
| Average total loans | $6,511,509,500 | 112 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0850% | 5,121 |
| Cost of funding earning assets | 3.3050% | 913 |
| Net interest margin | 2.7800% | 7,366 |
| Noninterest income to average assets | 0.1637% | 7,252 |
| Noninterest expense to average assets | 1.1542% | 8,173 |
| Loan and lease loss provision to assets | 7.8642% | 25 |
| Net operating income to assets | -5.4541% | 8,118 |
| Return on assets (ROA) | -5.4538% | 8,108 |
| Pretax return on assets | -6.2559% | 8,118 |
| Return on Equity (ROE) | -60.8840% | 8,203 |
| Retained earnings to average equity (ytd only) | -60.8840% | 8,193 |
| Net charge-offs to loans | 5.5733% | 74 |
| Credit loss provision to net charge-offs | 155.5144% | 3,358 |
| Earnings coverage of net charge-offs (x) | 0.3180% | 6,039 |
| Efficiency ratio | 41.5533% | 8,085 |
| Assets per employee ($millions) | 12.3556% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9672% | 98 |
| Loan loss allowance to noncurrent loans | 80.9570% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 6.9993% | 376 |
| Noncurrent loans to loans | 6.1356% | 566 |
| Net loans and leases to total assets | 83.9504% | 893 |
| Net loans and leases to deposits | 127.2711% | 253 |
| Net loans and leases to core deposits | 156.9392% | 647 |
| Total domestic deposits to total assets | 65.9618% | 7,662 |
| Equity capital to assets | 5.3886% | 8,145 |
| Core capital (leverage) ratio | 5.3523% | 8,182 |
| Tier 1 risk-based capital ratio | 9.9273% | 6,815 |
| Total risk-based capital ratio | 11.2624% | 6,600 |
| Memoranda: | ||
| Average total assets | $7,258,244,200 | 140 |
| Average earning assets | $6,784,247,600 | 139 |
| Average equity | $650,175,600 | 156 |
| Average total loans | $6,585,689,800 | 110 |