371 Van Ness Way, Suite 110
Torrance, California 90501
310.676.3300
info@institutionalriskanalytics.com
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371 Van Ness Way, Suite 110 Torrance, California 90501 310.676.3300 info@institutionalriskanalytics.com |
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This institution did not file a CALL/TFR in the most recent FFIEC reporting cycle. The most recent data available in our database is shown. |
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Home Savings of America as of December-2011 35 EAST BROADWAY LITTLE FALLS, MN, 56345 Data Source: IRA Bank Monitor. Data in thousands unless otherwise noted. Copyright 2013 Lord, Whalen LLC All Rights Reserved |
Buy reports on live banks, www.IRABankRatings.com |
| Counterparty Quality Score (CQS) Report |
IRA Counterparty Quality Analysis Historial CQS Scores - IRA Bank Stress Index (BSI) Factor - Asset Quality Trouble Factor - FDIC Moral Hazard Factor | 2011 4 50.2 12.8 1.2 | 2011 4 21.5 13.6 1.1 | 2011 4 21.2 13.1 1.1 | 2011 4 21.1 13.5 1.1 | 2010 4 21.2 14.0 1.1 | 2010 4 21.1 14.1 1.1 | 2010 4 21.0 14.3 1.5 | 2010 4 20.8 13.9 1.5 | 2009 7 1.0 14.1 1.5 | 2009 7 1.0 13.4 3.8 | 2009 7 0.9 12.5 3.9 | 2009 7 1.1 9.9 4.0 |
| Historical Performance Table |
IRA Bank Stress Benchmarks Grade Stress Index Number ROA, % ROE, % Efficiency Ratio Goodwill Writedowns Capital Adequacy Position IRA Capital Test T1/RWA RBC/RWA T1/ASSET Risk Based Capital, Total Tier 1 RBC Risk Weighted Assets, Total Basel II Benchmarks Bond Equivalent Defaults, Method 1 B.E.D., Method 2 Default Rate, bp LGD: Loss Given Default, % M: Wt. Avg. Maturity, yr EAD: Exposure At Default, % Economic Capital Analysis EC RAROC, % Tier 1 RBC T1RBC to EC Leverage Bank Tangible Common Equity Percent of Tangible Assets (TCE Ratio) TCE to EC Leverage Regulatory Watch Points Net Income, Period Total Assets Lending Assets Trading Assets Other Assets (incl. Prepaid Assessments) Securities Assets Net Interest Income, YTD Earning Assets, Total Net Interest Margin, Current Qtr - Annualized NIMY, from FDIC 5YR METHOD Total Deposits Brokered Deposits Reciprocal Brokered Deposits Volatile Liabilities, per FDIC FHLB Advances FHLB Advances-to-Assets, percent Brokered to Total Deposits, percent FHLB+BRO+VOLIAB to Assets, percent Gross Defaults, Actual Provision for Loan Losses, Income Statement Actual-to-Provision Ratio Balance Sheet Allowances for Loan Losses Gross Defaults, Total 30-89 Day Assets, Total Guaranteed Portion of 30-89 Over 90 Assets, Total Guaranteed Portion of Over 90 Non-Accrual Assets, Total Guaranteed Portion of NA Real Estate Owned (REO) Total Troubled Assets Troubled Assets % of Total Assets % factored for less 80% GTY Offsets Non-Conforming Assets, Reported Texas Ratio Off Balance Sheet Derivatives, Notional Loss Realization Margin to RBC, bp | 2011 F 50.2 -6.0535 397.38 133.3% 0 Under Cap Fail -4.6% -4.6% -2.2% $-9,706 $-9,706 $212,360 BB BB 100.4 100.00 - 21.5 $11,112 -680.77% $-9,706 -1.0:1 $-47,330 -11.05% -4.26:1 $-26,279 $434,111 $341,251 $0 $6,729 $2,028 $6,845 $380,645 1.80% 1.83% $432,223 $0 $0 $30,160 $5,000 1.15% 0.00% 8.10% $3,426 $6,444 0.53:1 $4,509 $3,426 $1,290 $0 $0 $0 $13,255 $0 $37,467 $55,438 12.77% 12.77% $13,255 11.25 - - | 2011 F 21.5 -2.3218 -85.10 113.8% 0 Under Cap Fail 4.6% 5.8% 2.4% $13,474 $10,743 $234,076 BB BB 100.9 100.00 - 73.6 $10,698 -457.48% $10,743 1.2:1 $-32,505 -7.48% -3.04:1 $-7,662 $440,000 $327,592 $0 $20,360 $2,039 $4,779 $369,217 1.73% 1.71% $419,251 $0 $0 $31,096 $5,000 1.14% 0.00% 8.20% $2,478 $3,472 0.71:1 $2,731 $2,478 $4,654 $0 $0 $0 $11,086 $0 $41,412 $59,630 13.55% 13.55% $11,086 4.51 - - | 2011 F 21.2 -2.3353 -48.92 114.9% 0 Under Cap Warn 7.6% 8.8% 3.7% $18,831 $16,163 $213,337 BB BB 101.9 100.00 - 35.5 $9,365 -308.55% $16,163 2.2:1 $-27,431 -6.41% -2.93:1 $-5,099 $436,697 $279,757 $0 $20,110 $2,047 $3,080 $362,652 1.70% 1.65% $407,425 $0 $0 $32,996 $5,000 1.14% 0.00% 8.70% $1,425 $2,712 0.53:1 $2,749 $1,425 $1,919 $0 $0 $0 $11,858 $0 $42,118 $57,320 13.13% 13.13% $11,858 3.10 - - | 2011 F 21.1 -0.0009 -0.02 110.0% 0 Adequate Warn 9.6% 10.8% 4.5% $23,220 $20,539 $214,513 BB BB 82.2 100.00 - 63.0 $7,307 -198.60% $20,539 3.1:1 $-25,869 -5.81% -3.54:1 $-1 $454,482 $270,532 $0 $18,889 $87 $1,615 $374,062 1.73% 1.70% $416,834 $0 $0 $38,477 $5,000 1.10% 0.00% 9.57% $556 $897 0.62:1 $2,684 $556 $4,999 $0 $0 $0 $12,109 $0 $43,720 $61,384 13.51% 13.51% $12,109 2.72 - - | 2010 F 21.2 -0.0004 -0.01 99.5% 0 Adequate Warn 10.0% 11.0% 4.8% $24,528 $22,184 $222,820 BB BB 131.7 100.00 - 43.8 $8,045 -863.59% $22,184 3.1:1 $-21,603 -4.82% -2.69:1 $-2 $457,501 $299,867 $0 $17,897 $93 $6,747 $385,606 1.75% 1.70% $418,466 $3,601 $0 $181,509 $5,000 1.09% 0.86% 41.55% $3,950 $3,671 1.08:1 $2,344 $3,950 $1,331 $0 $0 $0 $17,625 $0 $41,298 $64,204 14.03% 14.03% $17,625 2.67 - - | 2010 F 21.1 -0.0006 -0.01 101.9% 0 Adequate Warn 9.0% 10.0% 4.8% $24,602 $22,039 $245,432 BB BB 83.7 100.00 - 67.2 $9,455 -468.99% $22,039 4.2:1 $-21,890 -4.88% -2.32:1 $-2 $457,804 $355,125 $0 $20,105 $97 $4,746 $384,702 1.64% 1.59% $422,828 $12,633 $0 $174,669 $5,000 1.09% 2.99% 42.01% $2,230 $2,172 1.03:1 $2,563 $2,230 $2,930 $0 $0 $0 $17,421 $0 $41,742 $64,323 14.05% 14.05% $17,421 2.64 - - | 2010 F 21.0 -0.0004 -0.01 104.7% 0 Adequate Warn 9.3% 10.4% 5.0% $25,492 $22,916 $245,269 BBB BBB 36.5 100.00 - 66.7 $9,375 -254.79% $22,916 10.4:1 $-17,449 -3.86% -1.86:1 $-1 $461,242 $354,076 $0 $18,555 $105 $2,957 $392,781 1.51% 1.47% $422,116 $20,778 $0 $128,966 $7,000 1.52% 4.92% 33.98% $647 $601 1.08:1 $2,576 $647 $3,768 $0 $0 $0 $23,915 $0 $37,762 $66,092 14.33% 14.33% $23,915 2.69 - - | 2010 F 20.8 -0.0008 -0.01 106.0% 0 Well Cap Pass 9.9% 11.1% 5.0% $26,770 $23,761 $241,040 AAA AAA 0.0 0.00 - 37.3 $18,435 -58.56% $23,761 2.5:1 $-12,501 -2.70% -0.68:1 $-1 $471,520 $358,795 $0 $17,356 $10,103 $1,432 $407,534 1.41% 1.40% $433,085 $32,778 $0 $123,021 $7,000 1.48% 7.57% 34.53% - $561 - $3,009 $0 $4,740 $0 $0 $0 $27,038 $0 $33,563 $65,341 13.86% 13.86% $27,038 2.52 - - | 2009 A 1.0 0.5265 8.86 97.0% 0 Well Cap Pass 9.6% 10.8% 5.2% $27,839 $24,838 $258,294 AAA AAA 0.1 100.00 - 35.5 $10,349 -339.10% $24,838 46.4:1 $-9,053 -1.93% -0.87:1 $2,516 $477,857 $396,478 $0 $24,617 $106 $4,399 $408,677 1.08% 1.09% $436,000 $49,948 $0 $149,228 $7,000 1.46% 11.46% 43.15% $4 $3,500 0.00:1 $3,001 $4 $7,794 $0 $0 $0 $28,254 $0 $31,165 $67,217 14.07% 14.07% $28,254 2.37 - - | 2009 A+ 1.0 0.8620 14.03 95.8% 0 Well Cap Pass 11.0% 12.2% 5.4% $28,141 $25,365 $231,088 AAA AAA 0.2 100.00 - 75.4 $63,159 -34.55% $25,365 0.5:1 $-5,251 -1.14% -0.08:1 $3,045 $470,975 $352,633 $0 $13,301 $60,116 $3,187 $417,784 1.02% 1.05% $419,958 $47,461 $0 $157,426 $18,000 3.82% 11.30% 47.32% $4 $2,515 0.00:1 $2,775 $4 $9,664 $0 $0 $0 $25,332 $0 $28,009 $63,009 13.38% 13.38% $25,332 2.09 - - | 2009 A+ 0.9 1.1097 18.06 97.5% 0 Well Cap Pass 10.2% 11.3% 5.3% $26,881 $24,336 $238,180 AAA AAA 0.2 100.00 - 54.8 $9,817 -130.23% $24,336 40.4:1 $-4,034 -0.89% -0.41:1 $2,569 $463,012 $380,970 $0 $11,675 $119 $2,174 $409,608 1.06% 1.09% $410,442 $55,711 $0 $154,111 $18,000 3.89% 13.57% 49.20% $4 $1,848 0.00:1 $2,625 $4 $10,326 $0 $0 $0 $20,543 $0 $26,930 $57,803 12.48% 12.48% $20,543 1.86 - - | 2009 A 1.1 0.9509 15.96 138.3% 0 Well Cap Pass 9.9% 10.8% 5.1% $24,919 $22,948 $230,873 AAA AAA 0.4 100.00 - 44.2 $9,755 -63.86% $22,948 17.5:1 $1,931 0.43% 0.20:1 $1,076 $452,634 $381,526 $0 $11,021 $125 $1,110 $404,583 1.10% 1.13% $402,945 $82,839 $0 $141,046 $18,000 3.98% 20.56% 53.44% $4 $445 0.01:1 $2,051 $4 $8,348 $0 $0 $0 $16,229 $0 $20,314 $44,895 9.92% 9.92% $16,229 1.50 - 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| All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings. |
