Home > Advanta Bank Corp. > Performance and Condition Ratios
Advanta Bank Corp., Performance and Condition Ratios
| 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 | 5.9749% | 1,962 |
| Cost of funding earning assets | 4.0675% | 8 |
| Net interest margin | 1.9073% | 7,779 |
| Noninterest income to average assets | -0.6369% | 7,960 |
| Noninterest expense to average assets | 8.9049% | 114 |
| Loan and lease loss provision to assets | 10.9260% | 10 |
| Net operating income to assets | -17.4427% | 8,002 |
| Return on assets (ROA) | -17.6799% | 8,002 |
| Pretax return on assets | -19.1358% | 8,004 |
| Return on Equity (ROE) | -251.2949% | 8,005 |
| Retained earnings to average equity (ytd only) | -251.2949% | 8,005 |
| Net charge-offs to loans | 36.1877% | 1 |
| Credit loss provision to net charge-offs | 138.5502% | 3,545 |
| Earnings coverage of net charge-offs (x) | -1.0084% | 6,881 |
| Efficiency ratio | 934.5325% | 15 |
| Assets per employee ($millions) | 12.3059% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 21.2894% | 4 |
| Loan loss allowance to noncurrent loans | 225.0134% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 4.6622% | 1,370 |
| Noncurrent loans to loans | 9.4614% | 454 |
| Net loans and leases to total assets | 38.7854% | 7,417 |
| Net loans and leases to deposits | 38.9503% | 7,648 |
| Net loans and leases to core deposits | 51.7373% | 7,537 |
| Total domestic deposits to total assets | 99.5767% | 8 |
| Equity capital to assets | -2.6575% | 8,007 |
| Core capital (leverage) ratio | -2.0013% | 8,007 |
| Tier 1 risk-based capital ratio | -4.0679% | 8,008 |
| Total risk-based capital ratio | -4.0679% | 8,008 |
| Memoranda: | ||
| Average total assets | $2,552,586,400 | 288 |
| Average earning assets | $2,127,565,400 | 310 |
| Average equity | $179,587,400 | 385 |
| Average total loans | $556,255,200 | 862 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1606% | 6,064 |
| Cost of funding earning assets | 4.0295% | 11 |
| Net interest margin | 1.1312% | 8,000 |
| Noninterest income to average assets | -1.3617% | 8,082 |
| Noninterest expense to average assets | 9.7561% | 106 |
| Loan and lease loss provision to assets | 7.0725% | 66 |
| Net operating income to assets | -14.7026% | 8,076 |
| Return on assets (ROA) | -14.9584% | 8,077 |
| Pretax return on assets | -17.5526% | 8,084 |
| Return on Equity (ROE) | -179.1046% | 8,065 |
| Retained earnings to average equity (ytd only) | -179.1046% | 8,065 |
| Net charge-offs to loans | 35.1661% | 1 |
| Credit loss provision to net charge-offs | 111.3622% | 4,565 |
| Earnings coverage of net charge-offs (x) | -1.6028% | 6,707 |
| Efficiency ratio | -2,305.9457% | 8,096 |
| Assets per employee ($millions) | 15.9733% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.4420% | 10 |
| Loan loss allowance to noncurrent loans | 153.6597% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 2.7831% | 2,492 |
| Noncurrent loans to loans | 8.0971% | 592 |
| Net loans and leases to total assets | 30.0948% | 7,803 |
| Net loans and leases to deposits | 32.8577% | 7,874 |
| Net loans and leases to core deposits | 45.7819% | 7,771 |
| Total domestic deposits to total assets | 91.5912% | 243 |
| Equity capital to assets | 4.1595% | 7,995 |
| Core capital (leverage) ratio | 3.7334% | 7,996 |
| Tier 1 risk-based capital ratio | 8.9342% | 7,646 |
| Total risk-based capital ratio | 10.2772% | 7,620 |
| Memoranda: | ||
| Average total assets | $2,809,250,250 | 274 |
| Average earning assets | $2,331,070,500 | 301 |
| Average equity | $234,622,000 | 314 |
| Average total loans | $507,339,500 | 959 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6690% | 7,422 |
| Cost of funding earning assets | 4.0027% | 20 |
| Net interest margin | 0.6663% | 8,132 |
| Noninterest income to average assets | -3.1203% | 8,187 |
| Noninterest expense to average assets | 11.2651% | 99 |
| Loan and lease loss provision to assets | 5.9546% | 139 |
| Net operating income to assets | -16.2679% | 8,163 |
| Return on assets (ROA) | -16.7035% | 8,163 |
| Pretax return on assets | -20.3237% | 8,171 |
| Return on Equity (ROE) | -177.2940% | 8,140 |
| Retained earnings to average equity (ytd only) | -177.2940% | 8,138 |
| Net charge-offs to loans | 47.6223% | 2 |
| Credit loss provision to net charge-offs | 89.9683% | 4,927 |
| Earnings coverage of net charge-offs (x) | -2.0908% | 6,359 |
| Efficiency ratio | -437.8416% | 8,189 |
| Assets per employee ($millions) | 9.3344% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 21.2551% | 4 |
| Loan loss allowance to noncurrent loans | 418.9102% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 5,916 |
| Noncurrent loans to loans | 5.0739% | 1,199 |
| Net loans and leases to total assets | 9.3215% | 8,107 |
| Net loans and leases to deposits | 10.3670% | 8,121 |
| Net loans and leases to core deposits | 14.2416% | 8,108 |
| Total domestic deposits to total assets | 89.9148% | 864 |
| Equity capital to assets | 5.0332% | 8,036 |
| Core capital (leverage) ratio | 5.3170% | 7,998 |
| Tier 1 risk-based capital ratio | 19.0358% | 1,774 |
| Total risk-based capital ratio | 20.6476% | 1,658 |
| Memoranda: | ||
| Average total assets | $2,984,271,670 | 265 |
| Average earning assets | $2,452,442,000 | 290 |
| Average equity | $281,159,000 | 277 |
| Average total loans | $414,751,330 | 1,209 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8017% | 8,039 |
| Cost of funding earning assets | 3.8604% | 49 |
| Net interest margin | -0.0588% | 8,236 |
| Noninterest income to average assets | 3.5190% | 181 |
| Noninterest expense to average assets | 10.5674% | 103 |
| Loan and lease loss provision to assets | 5.1648% | 153 |
| Net operating income to assets | -7.6402% | 8,136 |
| Return on assets (ROA) | -7.7527% | 8,128 |
| Pretax return on assets | -12.4403% | 8,179 |
| Return on Equity (ROE) | -67.3735% | 8,106 |
| Retained earnings to average equity (ytd only) | -67.3735% | 8,093 |
| Net charge-offs to loans | 23.1275% | 10 |
| Credit loss provision to net charge-offs | 150.1073% | 2,771 |
| Earnings coverage of net charge-offs (x) | -2.0634% | 5,471 |
| Efficiency ratio | 304.7139% | 80 |
| Assets per employee ($millions) | 8.3666% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 20.0644% | 3 |
| Loan loss allowance to noncurrent loans | 272.0561% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 1.1859% | 4,299 |
| Noncurrent loans to loans | 7.3751% | 514 |
| Net loans and leases to total assets | 12.8535% | 8,149 |
| Net loans and leases to deposits | 15.1372% | 8,160 |
| Net loans and leases to core deposits | 21.1263% | 8,136 |
| Total domestic deposits to total assets | 84.9136% | 3,249 |
| Equity capital to assets | 10.7957% | 3,189 |
| Core capital (leverage) ratio | 10.7880% | 2,663 |
| Tier 1 risk-based capital ratio | 19.6963% | 1,676 |
| Total risk-based capital ratio | 21.8310% | 1,483 |
| Memoranda: | ||
| Average total assets | $3,034,242,500 | 264 |
| Average earning assets | $2,647,474,000 | 271 |
| Average equity | $349,152,000 | 240 |
| Average total loans | $451,410,000 | 1,112 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6567% | 2,219 |
| Cost of funding earning assets | 4.4037% | 22 |
| Net interest margin | 2.2530% | 7,934 |
| Noninterest income to average assets | 15.4527% | 57 |
| Noninterest expense to average assets | 13.5732% | 87 |
| Loan and lease loss provision to assets | 4.2211% | 149 |
| Net operating income to assets | -0.3509% | 6,773 |
| Return on assets (ROA) | 0.2371% | 5,560 |
| Pretax return on assets | 0.3594% | 5,360 |
| Return on Equity (ROE) | 1.5711% | 5,746 |
| Retained earnings to average equity (ytd only) | -3.4007% | 6,208 |
| Net charge-offs to loans | 12.4449% | 6 |
| Credit loss provision to net charge-offs | 124.2304% | 4,310 |
| Earnings coverage of net charge-offs (x) | 1.0859% | 5,583 |
| Efficiency ratio | 78.6232% | 2,820 |
| Assets per employee ($millions) | 4.0717% | 3,364 |
| Cash dividends to net income (ytd only)* | 316.4557% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 19.3354% | 3 |
| Loan loss allowance to noncurrent loans | 339.0152% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 4,890 |
| Noncurrent loans to loans | 5.7034% | 670 |
| Net loans and leases to total assets | 11.0758% | 8,211 |
| Net loans and leases to deposits | 13.4689% | 8,221 |
| Net loans and leases to core deposits | 19.3395% | 8,199 |
| Total domestic deposits to total assets | 82.2323% | 4,107 |
| Equity capital to assets | 12.1853% | 2,167 |
| Core capital (leverage) ratio | 12.7981% | 1,623 |
| Tier 1 risk-based capital ratio | 35.4354% | 432 |
| Total risk-based capital ratio | 38.4029% | 384 |
| Memoranda: | ||
| Average total assets | $2,665,365,400 | 283 |
| Average earning assets | $2,141,359,400 | 313 |
| Average equity | $402,270,000 | 222 |
| Average total loans | $727,722,200 | 661 |