Home > TCF National Bank Arizona > Performance and Condition Ratios
TCF National Bank Arizona, Performance and Condition Ratios
| 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 | 4.6263% | 7,378 |
| Cost of funding earning assets | 1.6133% | 5,342 |
| Net interest margin | 3.0130% | 6,569 |
| Noninterest income to average assets | 1.7618% | 467 |
| Noninterest expense to average assets | 6.8026% | 211 |
| Loan and lease loss provision to assets | 0.6212% | 2,907 |
| Net operating income to assets | -1.9026% | 7,275 |
| Return on assets (ROA) | -1.9026% | 7,278 |
| Pretax return on assets | -3.0184% | 7,506 |
| Return on Equity (ROE) | -9.0271% | 6,814 |
| Retained earnings to average equity (ytd only) | -9.0271% | 6,706 |
| Net charge-offs to loans | 0.6735% | 2,671 |
| Credit loss provision to net charge-offs | 154.0094% | 3,105 |
| Earnings coverage of net charge-offs (x) | -5.9434% | 6,869 |
| Efficiency ratio | 154.4159% | 295 |
| Assets per employee ($millions) | 2.3176% | 7,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6959% | 7,382 |
| Loan loss allowance to noncurrent loans | 248.5944% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 6,794 |
| Noncurrent loans to loans | 0.2800% | 6,813 |
| Net loans and leases to total assets | 52.9323% | 6,508 |
| Net loans and leases to deposits | 64.6482% | 6,434 |
| Net loans and leases to core deposits | 65.7239% | 7,169 |
| Total domestic deposits to total assets | 81.8775% | 4,726 |
| Equity capital to assets | 17.2440% | 598 |
| Core capital (leverage) ratio | 18.0584% | 449 |
| Tier 1 risk-based capital ratio | 37.8715% | 315 |
| Total risk-based capital ratio | 38.6963% | 313 |
| Memoranda: | ||
| Average total assets | $140,158,000 | 4,132 |
| Average earning assets | $122,974,500 | 4,274 |
| Average equity | $29,540,000 | 2,285 |
| Average total loans | $83,937,000 | 4,417 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8401% | 7,149 |
| Cost of funding earning assets | 1.7526% | 4,994 |
| Net interest margin | 3.0875% | 6,289 |
| Noninterest income to average assets | 1.7035% | 503 |
| Noninterest expense to average assets | 7.1753% | 204 |
| Loan and lease loss provision to assets | 0.6324% | 2,531 |
| Net operating income to assets | -2.1957% | 7,478 |
| Return on assets (ROA) | -2.1957% | 7,477 |
| Pretax return on assets | -3.4680% | 7,671 |
| Return on Equity (ROE) | -9.6727% | 7,009 |
| Retained earnings to average equity (ytd only) | -9.6727% | 6,842 |
| Net charge-offs to loans | 0.6418% | 2,430 |
| Credit loss provision to net charge-offs | 157.1970% | 2,930 |
| Earnings coverage of net charge-offs (x) | -7.0492% | 6,490 |
| Efficiency ratio | 165.3441% | 302 |
| Assets per employee ($millions) | 2.1383% | 7,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6227% | 7,591 |
| Loan loss allowance to noncurrent loans | 164.9390% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 6,727 |
| Noncurrent loans to loans | 0.3776% | 6,568 |
| Net loans and leases to total assets | 56.0739% | 6,197 |
| Net loans and leases to deposits | 69.8338% | 6,004 |
| Net loans and leases to core deposits | 71.1764% | 6,957 |
| Total domestic deposits to total assets | 80.2963% | 5,352 |
| Equity capital to assets | 18.9015% | 466 |
| Core capital (leverage) ratio | 19.0989% | 410 |
| Tier 1 risk-based capital ratio | 41.2614% | 283 |
| Total risk-based capital ratio | 42.0320% | 280 |
| Memoranda: | ||
| Average total assets | $131,256,000 | 4,369 |
| Average earning assets | $112,063,330 | 4,571 |
| Average equity | $29,795,330 | 2,278 |
| Average total loans | $82,268,000 | 4,519 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1996% | 6,297 |
| Cost of funding earning assets | 1.8285% | 4,986 |
| Net interest margin | 3.3711% | 5,250 |
| Noninterest income to average assets | 1.4812% | 641 |
| Noninterest expense to average assets | 7.6662% | 168 |
| Loan and lease loss provision to assets | 0.4137% | 2,852 |
| Net operating income to assets | -2.4853% | 7,761 |
| Return on assets (ROA) | -2.4853% | 7,761 |
| Pretax return on assets | -3.9232% | 7,892 |
| Return on Equity (ROE) | -9.8864% | 7,358 |
| Retained earnings to average equity (ytd only) | -9.8864% | 7,100 |
| Net charge-offs to loans | 0.6653% | 1,848 |
| Credit loss provision to net charge-offs | 93.2331% | 3,939 |
| Earnings coverage of net charge-offs (x) | -7.9098% | 5,605 |
| Efficiency ratio | 184.4302% | 226 |
| Assets per employee ($millions) | 2.0881% | 7,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4664% | 7,868 |
| Loan loss allowance to noncurrent loans | 94.0741% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 6,699 |
| Noncurrent loans to loans | 0.4958% | 6,188 |
| Net loans and leases to total assets | 54.0790% | 6,457 |
| Net loans and leases to deposits | 68.2192% | 6,161 |
| Net loans and leases to core deposits | 70.6791% | 6,984 |
| Total domestic deposits to total assets | 79.2723% | 5,617 |
| Equity capital to assets | 19.8011% | 428 |
| Core capital (leverage) ratio | 29.0680% | 164 |
| Tier 1 risk-based capital ratio | 31.7327% | 541 |
| Total risk-based capital ratio | 32.1409% | 572 |
| Memoranda: | ||
| Average total assets | $119,903,500 | 4,656 |
| Average earning assets | $95,160,500 | 5,052 |
| Average equity | $30,142,500 | 2,263 |
| Average total loans | $79,965,500 | 4,619 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9766% | 7,851 |
| Cost of funding earning assets | 1.2646% | 7,877 |
| Net interest margin | 3.7120% | 4,422 |
| Noninterest income to average assets | 1.6805% | 487 |
| Noninterest expense to average assets | 12.2253% | 105 |
| Loan and lease loss provision to assets | 0.7813% | 1,915 |
| Net operating income to assets | -5.1506% | 8,095 |
| Return on assets (ROA) | -5.1506% | 8,087 |
| Pretax return on assets | -8.0680% | 8,203 |
| Return on Equity (ROE) | -10.7322% | 7,325 |
| Retained earnings to average equity (ytd only) | -10.7322% | 7,138 |
| Net charge-offs to loans | 0.2671% | 3,621 |
| Credit loss provision to net charge-offs | 368.3099% | 1,197 |
| Earnings coverage of net charge-offs (x) | -34.3521% | 6,964 |
| Efficiency ratio | 247.5499% | 145 |
| Assets per employee ($millions) | 1.2255% | 8,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4984% | 7,852 |
| Loan loss allowance to noncurrent loans | 19,500.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 7,655 |
| Noncurrent loans to loans | 0.0026% | 7,554 |
| Net loans and leases to total assets | 87.0258% | 471 |
| Net loans and leases to deposits | 215.2951% | 35 |
| Net loans and leases to core deposits | 232.8409% | 88 |
| Total domestic deposits to total assets | 40.4216% | 8,187 |
| Equity capital to assets | 34.1095% | 132 |
| Core capital (leverage) ratio | 35.4056% | 134 |
| Tier 1 risk-based capital ratio | 51.8266% | 203 |
| Total risk-based capital ratio | 52.4924% | 205 |
| Memoranda: | ||
| Average total assets | $66,943,400 | 6,125 |
| Average earning assets | $58,754,800 | 6,230 |
| Average equity | $32,127,600 | 2,105 |
| Average total loans | $53,157,000 | 5,571 |