Table 10
Comparison of Near-Failures by Outcome |
| |
Survivors |
Purchased |
Difference |
| AS OF THE PCA DATE |
| Number of Institutions |
18 |
21 |
3 |
| Median Total Assets ($MM) |
91 |
38 |
(53) |
| Median Asset Growth |
(7.24) |
(12.57) |
(5.33) |
| Institutions with CAMELS Rating of 4 or 5 (%) |
77.80 |
90.50 |
12.70 |
| Median Balance Sheet Percentages |
| Investment Securities |
12.46 |
8.83 |
(3.63) |
| 1-4 Family Mortgages |
18.01 |
16.38 |
(1.63) |
| Commercial Real Estate |
6.42 |
12.39 |
5.97 |
| Multifamily Real Estate |
1.42 |
0.53 |
(0.89) |
| Commercial & Industrial Loans |
6.44 |
12.60 |
6.16 |
| Deposits |
97.44 |
97.89 |
0.45 |
| Median Rolling Four-Quarter Performance Ratios |
| Return on Assets |
(4.20) |
(6.04) |
(1.84) |
| Return on Equity |
(116.31) |
(125.72) |
(9.41) |
| Yield on Earning Assets |
8.55 |
9.12 |
0.57 |
| Cost of Funding Earning Assets |
4.15 |
4.46 |
0.31 |
| Net Interest Margin |
4.75 |
4.69 |
(0.06) |
| Noninterest Income to Earning Assets |
1.49 |
0.83 |
(0.66)* |
| Noninterest Expense to Earning Assets |
8.11 |
6.14 |
(1.97) |
| Net Operating Income to Assets |
(4.33) |
(6.07) |
(1.74) |
| Net Charge-offs to Loans |
3.17 |
4.56 |
1.39 |
| Loss Provision to Average Assets |
1.96 |
4.08 |
2.12** |
| Loss Provision to Net Charge-offs |
118.54 |
124.65 |
6.11 |
| Efficiency Ratio |
133.11 |
115.98 |
(17.13) |
| Median Condition Ratios |
| Loss Allowance to Loans |
2.73 |
5.05 |
2.32 |
| Loss Allowance to Noncurrent (Coverage Ratio) |
61.40 |
74.66 |
13.26 |
| Noncurrent & OREO to Assets |
7.89 |
6.02 |
(1.87) |
| OREO to Assets |
1.10 |
0.57 |
(0.53) |
| Noncurrent RE Loans to RE Loans |
2.98 |
3.54 |
0.56 |
| Noncurrent Loans & Leases to Loans & Leases |
8.53 |
6.36 |
(2.17) |
| Noncurrent Loan Growth |
22.71 |
29.44 |
6.73 |
| Equity Capital Ratio |
1.00 |
0.88 |
(0.12) |
| Core Capital (Leverage) Ratio |
0.77 |
1.26 |
0.49 |
| Equity Capital plus Reserves to Assets |
3.80 |
4.11 |
0.31 |
| AS OF MID-YEAR BEFORE PCA DATE, OR MOST RECENT EXAM |
| Median Economic Condition Measures |
| Problem Bank Index |
0.05 |
0.01 |
(0.03) |
| Geographic Diversification Index |
1.00 |
1.00 |
0.00 |
| Median Examiner Classification Ratios |
| Reserves to Estimated Reserves |
104.05 |
91.97 |
(12.08) |
| Classified Assets to Assets |
5.93 |
12.97 |
7.04 |
|
*Significant at the 10% level
**Significant at the 5% level
***Significant at the 1% level
|
