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IDC Rank of Financial Ratios 2015-Q2:

CAMEL Analysis

Capital Ratios - A Foundation for Safety and Soundness

Tier I Capital % Assets

Risk Based Capital % Risk Based Assets

Tier I Capital % Risk Based Assets

Adequacy of Capital and Loan Loss Reserve to Cover Loan Delinquency

Loan Loss Reserve % Tier I Capital

Loans 90 Days Delinquent % Tier I Capital

Loans Nonaccrual + REO % Tier I Capital

Margins Measure Management

Net Operating Profit After Tax % Equity ROE (1yr)

Cost of Equity COE (1yr)

Net Interest % Earning Assets (1yr)

Noninterest Income % Earning Assets (1yr)

Noninterest Expense % Earning Assets (1yr)

Operating Profit Margin OPM (1yr)

OPM Risk Standard Deviation

Earnings Return on Equity Equals the Operating Return Plus the Financial Return

Return of Net Operating Profit From Operations After Tax % Earning Assets (ROEA)

Return on Financial Leverage (ROFL) = Spread X Leverage

ROEA less COF AT = Leverage Spread

Leverage Multiplier

Liquidity Determines the Ability to Grow

Balance Sheet Cash Flow % Tier I Equity

Percent Annual Growth in Equity Capital

Nonperforming Assets % Total Loans

Illiquid Loans % Stable Deposits and Borrowings Plus Excess Liquidity

Interest-Bearing Liabilities % Earning Assets

Supplemental Ratios

Investment Yield

Loan Yield

Cost of Adjusted Debt - After Tax

Net Income % Avg Assets

Reports

  • In-Depth Management Review
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  • History of Rank and Full Financial Ratios
    Price: $295.00 - View Sample
  • Components of Rank of Financial Ratios
    Price: $195.00 - View Sample

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Limitations to Use of Financial Ratios and Ranks

Ranks are designed to provide IDC Financial Publishing, Inc.’s opinion as to the relative value of financial ratios, and are subject to limitations in their use. The ranks have no value in forecasting the direction of future trends of financial ratios. While in our opinion the selected ratios provide an ample financial picture for evaluating a financial institution, the quality of individual financial institutions can also be influenced by factors not taken into account in this analysis.

The quality of a financial institution is not fixed over time, but tends to undergo change. For this reason, changes in ranks occur, reflecting changes in the individual financial ratios.The data utilized for calculations, ranks, and other information was obtained from sources believed to be reliable and accurate; however, neither the publisher nor its employees assume responsibility for the correctness or accuracy of data, calculations, or liability for their use.