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Advanta Bank, Performance and Condition Ratios
| 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 | 6.3027% | 527 |
| Cost of funding earning assets | 0.0000% | 7,914 |
| Net interest margin | 6.3027% | 83 |
| Noninterest income to average assets | 13.0252% | 56 |
| Noninterest expense to average assets | 780.9524% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -761.9048% | 7,934 |
| Return on assets (ROA) | -761.9048% | 7,934 |
| Pretax return on assets | -761.9048% | 7,934 |
| Return on Equity (ROE) | -873.8956% | 7,926 |
| Retained earnings to average equity (ytd only) | -873.8956% | 7,926 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 4,100.0000% | 3 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 7,943 |
| Equity capital to assets | -214.9533% | 7,934 |
| Core capital (leverage) ratio | -4.4333% | 7,932 |
| Tier 1 risk-based capital ratio | -2,300.0000% | 7,934 |
| Total risk-based capital ratio | -2,300.0000% | 7,934 |
| Memoranda: | ||
| Average total assets | $2,856,000 | 7,943 |
| Average earning assets | $2,729,000 | 7,929 |
| Average equity | $2,490,000 | 7,637 |
| Average total loans | $1,324,500 | 7,881 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0445% | 7,970 |
| Cost of funding earning assets | 0.0000% | 8,000 |
| Net interest margin | 1.0445% | 7,927 |
| Noninterest income to average assets | 3.0655% | 223 |
| Noninterest expense to average assets | 8.2151% | 136 |
| Loan and lease loss provision to assets | -0.0530% | 7,974 |
| Net operating income to assets | -24.2995% | 8,008 |
| Return on assets (ROA) | -24.2995% | 8,008 |
| Pretax return on assets | -4.2586% | 7,585 |
| Return on Equity (ROE) | -66.6143% | 7,793 |
| Retained earnings to average equity (ytd only) | -66.6143% | 7,790 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 210.4549% | 119 |
| Assets per employee ($millions) | 1.8683% | 7,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0585% | 168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 44.8707% | 7,065 |
| Net loans and leases to deposits | 251,500.0000% | 5 |
| Net loans and leases to core deposits | 251,500.0000% | 2 |
| Total domestic deposits to total assets | 0.0178% | 8,017 |
| Equity capital to assets | 92.9527% | 8 |
| Core capital (leverage) ratio | 30.4821% | 96 |
| Tier 1 risk-based capital ratio | 235.8533% | 28 |
| Total risk-based capital ratio | 237.1661% | 28 |
| Memoranda: | ||
| Average total assets | $32,099,400 | 7,397 |
| Average earning assets | $25,753,400 | 7,516 |
| Average equity | $11,709,200 | 4,812 |
| Average total loans | $2,737,400 | 7,942 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9335% | 8,065 |
| Cost of funding earning assets | 0.0000% | 8,084 |
| Net interest margin | 0.9335% | 8,027 |
| Noninterest income to average assets | 3.0816% | 217 |
| Noninterest expense to average assets | 8.8283% | 125 |
| Loan and lease loss provision to assets | -0.0585% | 8,058 |
| Net operating income to assets | -12.6330% | 8,062 |
| Return on assets (ROA) | -12.6330% | 8,063 |
| Pretax return on assets | -4.9444% | 7,802 |
| Return on Equity (ROE) | -36.6873% | 7,720 |
| Retained earnings to average equity (ytd only) | -36.6873% | 7,711 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 230.7831% | 103 |
| Assets per employee ($millions) | 7.2710% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0150% | 137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 11.6353% | 8,009 |
| Net loans and leases to deposits | 24.5692% | 7,964 |
| Net loans and leases to core deposits | 24.5692% | 7,972 |
| Total domestic deposits to total assets | 47.3571% | 7,995 |
| Equity capital to assets | 50.0252% | 52 |
| Core capital (leverage) ratio | 39.3935% | 74 |
| Tier 1 risk-based capital ratio | 135.7889% | 46 |
| Total risk-based capital ratio | 137.0458% | 46 |
| Memoranda: | ||
| Average total assets | $38,723,000 | 7,211 |
| Average earning assets | $30,851,500 | 7,379 |
| Average equity | $13,334,000 | 4,450 |
| Average total loans | $2,759,500 | 8,022 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8700% | 8,164 |
| Cost of funding earning assets | 0.0000% | 8,178 |
| Net interest margin | 0.8700% | 8,114 |
| Noninterest income to average assets | 3.4401% | 185 |
| Noninterest expense to average assets | 9.0938% | 129 |
| Loan and lease loss provision to assets | -0.0090% | 8,140 |
| Net operating income to assets | -3.0568% | 7,689 |
| Return on assets (ROA) | -3.0568% | 7,686 |
| Pretax return on assets | -4.9414% | 7,850 |
| Return on Equity (ROE) | -9.5889% | 7,001 |
| Retained earnings to average equity (ytd only) | -9.5889% | 6,830 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 219.4777% | 159 |
| Assets per employee ($millions) | 5.1938% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3752% | 103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 8.4170% | 8,110 |
| Net loans and leases to deposits | 23.0088% | 8,058 |
| Net loans and leases to core deposits | 23.0088% | 8,073 |
| Total domestic deposits to total assets | 36.5818% | 8,110 |
| Equity capital to assets | 44.5753% | 74 |
| Core capital (leverage) ratio | 28.5112% | 156 |
| Tier 1 risk-based capital ratio | 107.1725% | 63 |
| Total risk-based capital ratio | 108.4183% | 62 |
| Memoranda: | ||
| Average total assets | $44,359,670 | 7,044 |
| Average earning assets | $35,860,330 | 7,228 |
| Average equity | $14,141,330 | 4,273 |
| Average total loans | $2,788,670 | 8,113 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7993% | 8,220 |
| Cost of funding earning assets | 0.0000% | 8,229 |
| Net interest margin | 0.7993% | 8,179 |
| Noninterest income to average assets | 3.5088% | 182 |
| Noninterest expense to average assets | 11.5939% | 91 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -4.5920% | 8,018 |
| Return on assets (ROA) | -4.5920% | 8,010 |
| Pretax return on assets | -7.4179% | 8,092 |
| Return on Equity (ROE) | -16.4021% | 7,655 |
| Retained earnings to average equity (ytd only) | -16.4021% | 7,510 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 277.6316% | 102 |
| Assets per employee ($millions) | 5.4763% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4180% | 88 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 5.3483% | 8,176 |
| Net loans and leases to deposits | 9.0268% | 8,176 |
| Net loans and leases to core deposits | 9.0268% | 8,172 |
| Total domestic deposits to total assets | 59.2489% | 7,983 |
| Equity capital to assets | 28.3645% | 164 |
| Core capital (leverage) ratio | 23.2401% | 274 |
| Tier 1 risk-based capital ratio | 85.3920% | 77 |
| Total risk-based capital ratio | 86.5016% | 76 |
| Memoranda: | ||
| Average total assets | $50,958,000 | 6,822 |
| Average earning assets | $42,539,500 | 6,997 |
| Average equity | $14,266,500 | 4,280 |
| Average total loans | $2,797,000 | 8,168 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2853% | 8,206 |
| Cost of funding earning assets | 0.3509% | 8,213 |
| Net interest margin | 1.9344% | 8,102 |
| Noninterest income to average assets | 3.4321% | 166 |
| Noninterest expense to average assets | 7.2279% | 271 |
| Loan and lease loss provision to assets | -0.0420% | 8,230 |
| Net operating income to assets | -1.4397% | 7,439 |
| Return on assets (ROA) | -1.4397% | 7,386 |
| Pretax return on assets | -2.3287% | 7,540 |
| Return on Equity (ROE) | -4.6646% | 6,828 |
| Retained earnings to average equity (ytd only) | -4.6646% | 6,455 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.8100% | 357 |
| Assets per employee ($millions) | 2.9238% | 6,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3794% | 82 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 5.0466% | 8,229 |
| Net loans and leases to deposits | 8.3635% | 8,232 |
| Net loans and leases to core deposits | 8.3635% | 8,229 |
| Total domestic deposits to total assets | 60.3413% | 7,956 |
| Equity capital to assets | 27.6521% | 205 |
| Core capital (leverage) ratio | 32.3641% | 159 |
| Tier 1 risk-based capital ratio | 136.0041% | 58 |
| Total risk-based capital ratio | 137.2540% | 58 |
| Memoranda: | ||
| Average total assets | $47,579,600 | 6,880 |
| Average earning assets | $35,049,600 | 7,281 |
| Average equity | $14,685,200 | 4,199 |
| Average total loans | $3,025,200 | 8,218 |