Home > SouthwestUSA Bank > Performance and Condition Ratios
SouthwestUSA Bank, Performance and Condition Ratios
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2812% | 7,076 |
| Cost of funding earning assets | 2.3870% | 247 |
| Net interest margin | 1.8942% | 7,669 |
| Noninterest income to average assets | 0.2482% | 6,135 |
| Noninterest expense to average assets | 7.2024% | 143 |
| Loan and lease loss provision to assets | 2.5468% | 439 |
| Net operating income to assets | -7.8799% | 7,786 |
| Return on assets (ROA) | -7.8799% | 7,788 |
| Pretax return on assets | -7.8799% | 7,781 |
| Return on Equity (ROE) | -244.9333% | 7,809 |
| Retained earnings to average equity (ytd only) | -245.6665% | 7,809 |
| Net charge-offs to loans | 4.0608% | 314 |
| Credit loss provision to net charge-offs | 79.9941% | 4,709 |
| Earnings coverage of net charge-offs (x) | -1.6752% | 6,189 |
| Efficiency ratio | 385.3104% | 24 |
| Assets per employee ($millions) | 6.7897% | 846 |
| Cash dividends to net income (ytd only)* | -0.2994% | 7,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0616% | 783 |
| Loan loss allowance to noncurrent loans | 10.0021% | 7,262 |
| Noncurrent assets plus other real estate owned to assets | 35.0685% | 3 |
| Noncurrent loans to loans | 30.6091% | 16 |
| Net loans and leases to total assets | 74.1175% | 1,886 |
| Net loans and leases to deposits | 82.0556% | 3,264 |
| Net loans and leases to core deposits | 92.5464% | 2,913 |
| Total domestic deposits to total assets | 90.3260% | 755 |
| Equity capital to assets | 0.7551% | 7,815 |
| Core capital (leverage) ratio | 0.7181% | 7,816 |
| Tier 1 risk-based capital ratio | 0.8075% | 7,818 |
| Total risk-based capital ratio | 1.6150% | 7,817 |
| Memoranda: | ||
| Average total assets | $211,955,670 | 3,033 |
| Average earning assets | $181,396,330 | 3,179 |
| Average equity | $6,819,000 | 6,199 |
| Average total loans | $166,174,000 | 2,606 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7731% | 5,993 |
| Cost of funding earning assets | 2.3996% | 305 |
| Net interest margin | 2.3736% | 7,547 |
| Noninterest income to average assets | 0.4165% | 4,762 |
| Noninterest expense to average assets | 3.8540% | 1,239 |
| Loan and lease loss provision to assets | 0.1944% | 4,554 |
| Net operating income to assets | -1.6030% | 7,361 |
| Return on assets (ROA) | -1.6030% | 7,364 |
| Pretax return on assets | -1.6030% | 7,290 |
| Return on Equity (ROE) | -36.6193% | 7,630 |
| Retained earnings to average equity (ytd only) | -37.6764% | 7,621 |
| Net charge-offs to loans | 1.8251% | 945 |
| Credit loss provision to net charge-offs | 13.4271% | 5,018 |
| Earnings coverage of net charge-offs (x) | -0.9731% | 5,378 |
| Efficiency ratio | 157.6079% | 186 |
| Assets per employee ($millions) | 6.4861% | 1,002 |
| Cash dividends to net income (ytd only)* | -2.8868% | 7,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8102% | 973 |
| Loan loss allowance to noncurrent loans | 10.0286% | 7,335 |
| Noncurrent assets plus other real estate owned to assets | 33.4420% | 6 |
| Noncurrent loans to loans | 28.0216% | 28 |
| Net loans and leases to total assets | 77.0092% | 1,329 |
| Net loans and leases to deposits | 88.2724% | 2,182 |
| Net loans and leases to core deposits | 99.5603% | 2,177 |
| Total domestic deposits to total assets | 87.2404% | 2,512 |
| Equity capital to assets | 4.2127% | 7,781 |
| Core capital (leverage) ratio | 4.0858% | 7,775 |
| Tier 1 risk-based capital ratio | 4.6841% | 7,819 |
| Total risk-based capital ratio | 5.9493% | 7,819 |
| Memoranda: | ||
| Average total assets | $216,088,500 | 3,036 |
| Average earning assets | $184,701,000 | 3,190 |
| Average equity | $9,459,500 | 5,405 |
| Average total loans | $171,392,000 | 2,589 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5108% | 4,088 |
| Cost of funding earning assets | 2.6631% | 647 |
| Net interest margin | 2.8478% | 6,976 |
| Noninterest income to average assets | 0.1605% | 6,924 |
| Noninterest expense to average assets | 5.8617% | 330 |
| Loan and lease loss provision to assets | 4.3730% | 280 |
| Net operating income to assets | -6.9161% | 7,889 |
| Return on assets (ROA) | -6.9161% | 7,887 |
| Pretax return on assets | -7.5019% | 7,892 |
| Return on Equity (ROE) | -83.6369% | 7,880 |
| Retained earnings to average equity (ytd only) | -85.0003% | 7,881 |
| Net charge-offs to loans | 3.6955% | 501 |
| Credit loss provision to net charge-offs | 146.1712% | 3,242 |
| Earnings coverage of net charge-offs (x) | -1.0458% | 6,886 |
| Efficiency ratio | 214.4884% | 117 |
| Assets per employee ($millions) | 6.6102% | 939 |
| Cash dividends to net income (ytd only)* | -1.6302% | 7,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1429% | 684 |
| Loan loss allowance to noncurrent loans | 20.0560% | 7,057 |
| Noncurrent assets plus other real estate owned to assets | 24.5779% | 24 |
| Noncurrent loans to loans | 15.6704% | 156 |
| Net loans and leases to total assets | 76.8987% | 1,607 |
| Net loans and leases to deposits | 88.3155% | 2,507 |
| Net loans and leases to core deposits | 161.7954% | 319 |
| Total domestic deposits to total assets | 87.0727% | 2,462 |
| Equity capital to assets | 4.5394% | 7,820 |
| Core capital (leverage) ratio | 4.4245% | 7,814 |
| Tier 1 risk-based capital ratio | 4.8966% | 7,878 |
| Total risk-based capital ratio | 6.1638% | 7,881 |
| Memoranda: | ||
| Average total assets | $221,745,000 | 2,916 |
| Average earning assets | $200,296,000 | 2,964 |
| Average equity | $18,336,400 | 3,456 |
| Average total loans | $179,514,400 | 2,520 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5577% | 4,105 |
| Cost of funding earning assets | 2.7018% | 786 |
| Net interest margin | 2.8559% | 6,954 |
| Noninterest income to average assets | 0.1844% | 6,906 |
| Noninterest expense to average assets | 6.4537% | 253 |
| Loan and lease loss provision to assets | 5.8069% | 115 |
| Net operating income to assets | -7.1190% | 7,981 |
| Return on assets (ROA) | -7.1190% | 7,982 |
| Pretax return on assets | -9.4575% | 8,033 |
| Return on Equity (ROE) | -77.5264% | 7,955 |
| Retained earnings to average equity (ytd only) | -79.1568% | 7,955 |
| Net charge-offs to loans | 4.4218% | 295 |
| Credit loss provision to net charge-offs | 161.4552% | 2,932 |
| Earnings coverage of net charge-offs (x) | -1.0150% | 6,631 |
| Efficiency ratio | 230.2286% | 105 |
| Assets per employee ($millions) | 6.0855% | 1,173 |
| Cash dividends to net income (ytd only)* | -2.1030% | 7,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2957% | 506 |
| Loan loss allowance to noncurrent loans | 34.4816% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 16.6374% | 89 |
| Noncurrent loans to loans | 9.5579% | 431 |
| Net loans and leases to total assets | 80.7092% | 1,041 |
| Net loans and leases to deposits | 94.3749% | 1,813 |
| Net loans and leases to core deposits | 166.4489% | 302 |
| Total domestic deposits to total assets | 85.5198% | 2,959 |
| Equity capital to assets | 6.0837% | 7,841 |
| Core capital (leverage) ratio | 4.9236% | 7,928 |
| Tier 1 risk-based capital ratio | 5.2659% | 7,986 |
| Total risk-based capital ratio | 6.5376% | 7,988 |
| Memoranda: | ||
| Average total assets | $222,647,500 | 2,921 |
| Average earning assets | $204,154,750 | 2,929 |
| Average equity | $20,445,000 | 3,174 |
| Average total loans | $181,096,500 | 2,528 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4552% | 4,864 |
| Cost of funding earning assets | 2.7569% | 888 |
| Net interest margin | 2.6983% | 7,204 |
| Noninterest income to average assets | 0.2270% | 6,664 |
| Noninterest expense to average assets | 5.7703% | 344 |
| Loan and lease loss provision to assets | 2.0506% | 787 |
| Net operating income to assets | -3.3542% | 7,731 |
| Return on assets (ROA) | -3.3542% | 7,736 |
| Pretax return on assets | -5.0814% | 7,871 |
| Return on Equity (ROE) | -32.9048% | 7,752 |
| Retained earnings to average equity (ytd only) | -34.8770% | 7,762 |
| Net charge-offs to loans | 1.8403% | 1,028 |
| Credit loss provision to net charge-offs | 138.1698% | 3,381 |
| Earnings coverage of net charge-offs (x) | -2.0421% | 6,358 |
| Efficiency ratio | 210.6327% | 171 |
| Assets per employee ($millions) | 6.1824% | 1,111 |
| Cash dividends to net income (ytd only)* | -5.9936% | 7,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5901% | 2,784 |
| Loan loss allowance to noncurrent loans | 12.9036% | 7,430 |
| Noncurrent assets plus other real estate owned to assets | 16.9362% | 76 |
| Noncurrent loans to loans | 12.3226% | 207 |
| Net loans and leases to total assets | 82.5615% | 856 |
| Net loans and leases to deposits | 100.6838% | 1,215 |
| Net loans and leases to core deposits | 139.6543% | 1,027 |
| Total domestic deposits to total assets | 82.0008% | 4,694 |
| Equity capital to assets | 9.6462% | 4,431 |
| Core capital (leverage) ratio | 9.6672% | 3,677 |
| Tier 1 risk-based capital ratio | 10.4153% | 6,460 |
| Total risk-based capital ratio | 11.6680% | 6,405 |
| Memoranda: | ||
| Average total assets | $223,837,000 | 2,926 |
| Average earning assets | $208,425,670 | 2,891 |
| Average equity | $22,817,330 | 2,875 |
| Average total loans | $180,514,330 | 2,568 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9745% | 6,998 |
| Cost of funding earning assets | 2.8491% | 869 |
| Net interest margin | 2.1255% | 7,838 |
| Noninterest income to average assets | 0.0071% | 8,026 |
| Noninterest expense to average assets | 7.9689% | 152 |
| Loan and lease loss provision to assets | 3.7956% | 257 |
| Net operating income to assets | -6.4364% | 8,111 |
| Return on assets (ROA) | -6.4364% | 8,101 |
| Pretax return on assets | -9.7526% | 8,150 |
| Return on Equity (ROE) | -61.5031% | 8,094 |
| Retained earnings to average equity (ytd only) | -65.3343% | 8,085 |
| Net charge-offs to loans | 1.0890% | 1,249 |
| Credit loss provision to net charge-offs | 440.9938% | 1,195 |
| Earnings coverage of net charge-offs (x) | -6.9213% | 5,594 |
| Efficiency ratio | 396.1027% | 55 |
| Assets per employee ($millions) | 6.2726% | 1,053 |
| Cash dividends to net income (ytd only)* | -6.2292% | 8,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3244% | 917 |
| Loan loss allowance to noncurrent loans | 16.4416% | 7,337 |
| Noncurrent assets plus other real estate owned to assets | 14.5044% | 86 |
| Noncurrent loans to loans | 14.1373% | 118 |
| Net loans and leases to total assets | 74.1009% | 2,727 |
| Net loans and leases to deposits | 89.4048% | 3,029 |
| Net loans and leases to core deposits | 115.3824% | 2,864 |
| Total domestic deposits to total assets | 82.8824% | 4,203 |
| Equity capital to assets | 9.5605% | 4,587 |
| Core capital (leverage) ratio | 9.5883% | 3,881 |
| Tier 1 risk-based capital ratio | 10.6235% | 6,269 |
| Total risk-based capital ratio | 11.8828% | 6,177 |
| Memoranda: | ||
| Average total assets | $224,473,000 | 2,939 |
| Average earning assets | $211,718,500 | 2,860 |
| Average equity | $23,491,500 | 2,819 |
| Average total loans | $177,410,500 | 2,624 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2030% | 743 |
| Cost of funding earning assets | 3.0329% | 1,740 |
| Net interest margin | 4.1700% | 2,437 |
| Noninterest income to average assets | 0.0065% | 8,082 |
| Noninterest expense to average assets | 3.4151% | 2,630 |
| Loan and lease loss provision to assets | 0.4576% | 3,000 |
| Net operating income to assets | 0.1107% | 6,082 |
| Return on assets (ROA) | 0.1107% | 5,919 |
| Pretax return on assets | 0.1352% | 5,865 |
| Return on Equity (ROE) | 0.7888% | 5,975 |
| Retained earnings to average equity (ytd only) | -3.9557% | 6,317 |
| Net charge-offs to loans | 0.0862% | 5,514 |
| Credit loss provision to net charge-offs | 593.6620% | 733 |
| Earnings coverage of net charge-offs (x) | 7.6901% | 3,046 |
| Efficiency ratio | 85.2093% | 1,930 |
| Assets per employee ($millions) | 6.3752% | 945 |
| Cash dividends to net income (ytd only)* | 601.4706% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 3,975 |
| Loan loss allowance to noncurrent loans | 11.2971% | 7,486 |
| Noncurrent assets plus other real estate owned to assets | 10.1398% | 151 |
| Noncurrent loans to loans | 11.2633% | 159 |
| Net loans and leases to total assets | 81.1958% | 1,387 |
| Net loans and leases to deposits | 100.9787% | 1,711 |
| Net loans and leases to core deposits | 116.6090% | 3,056 |
| Total domestic deposits to total assets | 80.4088% | 4,867 |
| Equity capital to assets | 11.3808% | 2,717 |
| Core capital (leverage) ratio | 12.7202% | 1,650 |
| Tier 1 risk-based capital ratio | 13.5129% | 3,815 |
| Total risk-based capital ratio | 14.7555% | 3,713 |
| Memoranda: | ||
| Average total assets | $184,211,200 | 3,353 |
| Average earning assets | $176,760,600 | 3,232 |
| Average equity | $25,861,600 | 2,572 |
| Average total loans | $164,649,200 | 2,703 |