Home > IndyMac Federal Bank, FSB > Performance and Condition Ratios
IndyMac Federal Bank, FSB, Performance and Condition Ratios
| 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 | 3.2768% | 8,158 |
| Cost of funding earning assets | 1.5361% | 7,553 |
| Net interest margin | 1.7407% | 8,143 |
| Noninterest income to average assets | -7.2579% | 8,302 |
| Noninterest expense to average assets | 2.3265% | 6,623 |
| Loan and lease loss provision to assets | 8.3732% | 18 |
| Net operating income to assets | -17.2371% | 8,297 |
| Return on assets (ROA) | -18.3277% | 8,298 |
| Pretax return on assets | -17.5899% | 8,296 |
| Return on Equity (ROE) | 135.5929% | 4 |
| Retained earnings to average equity (ytd only) | 135.5929% | 1 |
| Net charge-offs to loans | 9.2736% | 17 |
| Credit loss provision to net charge-offs | 135.5621% | 3,934 |
| Earnings coverage of net charge-offs (x) | -1.3156% | 6,640 |
| Efficiency ratio | -33.4727% | 8,292 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0891% | 405 |
| Loan loss allowance to noncurrent loans | 19.7517% | 7,250 |
| Noncurrent assets plus other real estate owned to assets | 11.1146% | 123 |
| Noncurrent loans to loans | 15.6398% | 66 |
| Net loans and leases to total assets | 64.2838% | 5,215 |
| Net loans and leases to deposits | 231.0586% | 31 |
| Net loans and leases to core deposits | 333.1436% | 39 |
| Total domestic deposits to total assets | 27.8214% | 8,221 |
| Equity capital to assets | -19.4446% | 8,305 |
| Core capital (leverage) ratio | -23.8259% | 8,305 |
| Tier 1 risk-based capital ratio | -58.4864% | 8,305 |
| Total risk-based capital ratio | -58.4864% | 8,305 |
| Memoranda: | ||
| Average total assets | $25,019,473,000 | 60 |
| Average earning assets | $20,962,776,000 | 61 |
| Average equity | $-3,381,809,500 | 8,305 |
| Average total loans | $16,664,150,000 | 55 |