Home > Alta Alliance Bank > Performance and Condition Ratios
Alta Alliance Bank, Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3691% | 3,035 |
| Cost of funding earning assets | 1.0568% | 5,668 |
| Net interest margin | 4.3123% | 1,810 |
| Noninterest income to average assets | 0.2159% | 6,362 |
| Noninterest expense to average assets | 3.6968% | 1,571 |
| Loan and lease loss provision to assets | -0.2698% | 7,732 |
| Net operating income to assets | 0.3783% | 4,850 |
| Return on assets (ROA) | 0.5626% | 4,206 |
| Pretax return on assets | 0.9748% | 3,272 |
| Return on Equity (ROE) | 4.2311% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.2311% | 3,511 |
| Net charge-offs to loans | 0.3732% | 3,809 |
| Credit loss provision to net charge-offs | -123.4568% | 6,920 |
| Earnings coverage of net charge-offs (x) | 1.9074% | 4,280 |
| Efficiency ratio | 89.8655% | 1,306 |
| Assets per employee ($millions) | 7.1106% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5646% | 3,682 |
| Loan loss allowance to noncurrent loans | 235.3644% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 6,438 |
| Noncurrent loans to loans | 0.6648% | 5,873 |
| Net loans and leases to total assets | 58.1006% | 5,247 |
| Net loans and leases to deposits | 66.8153% | 5,569 |
| Net loans and leases to core deposits | 81.2283% | 4,352 |
| Total domestic deposits to total assets | 86.9570% | 2,556 |
| Equity capital to assets | 12.7537% | 1,712 |
| Core capital (leverage) ratio | 11.4254% | 1,989 |
| Tier 1 risk-based capital ratio | 17.5273% | 2,167 |
| Total risk-based capital ratio | 18.7802% | 2,136 |
| Memoranda: | ||
| Average total assets | $197,640,750 | 3,174 |
| Average earning assets | $178,647,250 | 3,183 |
| Average equity | $26,280,750 | 2,472 |
| Average total loans | $115,764,500 | 3,457 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4450% | 2,772 |
| Cost of funding earning assets | 1.1539% | 5,380 |
| Net interest margin | 4.2911% | 1,811 |
| Noninterest income to average assets | 0.2172% | 6,368 |
| Noninterest expense to average assets | 3.7741% | 1,404 |
| Loan and lease loss provision to assets | 0.0010% | 6,854 |
| Net operating income to assets | 0.1510% | 5,718 |
| Return on assets (ROA) | 0.3066% | 5,305 |
| Pretax return on assets | 0.5467% | 4,752 |
| Return on Equity (ROE) | 2.2716% | 5,549 |
| Retained earnings to average equity (ytd only) | 2.2716% | 4,708 |
| Net charge-offs to loans | 0.6602% | 2,564 |
| Credit loss provision to net charge-offs | 0.2695% | 6,002 |
| Earnings coverage of net charge-offs (x) | 0.7898% | 4,975 |
| Efficiency ratio | 92.5331% | 1,158 |
| Assets per employee ($millions) | 6.7267% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9421% | 2,319 |
| Loan loss allowance to noncurrent loans | 277.5388% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.4148% | 6,413 |
| Noncurrent loans to loans | 0.6998% | 5,842 |
| Net loans and leases to total assets | 58.1218% | 5,399 |
| Net loans and leases to deposits | 68.3534% | 5,520 |
| Net loans and leases to core deposits | 76.9061% | 5,091 |
| Total domestic deposits to total assets | 85.0314% | 3,608 |
| Equity capital to assets | 13.1748% | 1,488 |
| Core capital (leverage) ratio | 11.3338% | 2,020 |
| Tier 1 risk-based capital ratio | 17.1467% | 2,220 |
| Total risk-based capital ratio | 18.4031% | 2,177 |
| Memoranda: | ||
| Average total assets | $192,415,000 | 3,273 |
| Average earning assets | $173,148,670 | 3,291 |
| Average equity | $25,972,330 | 2,492 |
| Average total loans | $112,383,000 | 3,570 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3774% | 3,154 |
| Cost of funding earning assets | 1.2647% | 5,043 |
| Net interest margin | 4.1127% | 2,385 |
| Noninterest income to average assets | 0.2024% | 6,516 |
| Noninterest expense to average assets | 3.9697% | 1,075 |
| Loan and lease loss provision to assets | 0.0021% | 6,549 |
| Net operating income to assets | -0.0594% | 6,383 |
| Return on assets (ROA) | -0.2131% | 6,623 |
| Pretax return on assets | -0.3026% | 6,640 |
| Return on Equity (ROE) | -1.5585% | 6,584 |
| Retained earnings to average equity (ytd only) | -1.5585% | 6,134 |
| Net charge-offs to loans | 0.7465% | 2,014 |
| Credit loss provision to net charge-offs | 0.4926% | 5,124 |
| Earnings coverage of net charge-offs (x) | -0.1872% | 5,157 |
| Efficiency ratio | 102.0822% | 782 |
| Assets per employee ($millions) | 6.8687% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2163% | 1,718 |
| 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 | 0.0000% | 7,426 |
| Net loans and leases to total assets | 55.1983% | 5,860 |
| Net loans and leases to deposits | 63.6193% | 6,092 |
| Net loans and leases to core deposits | 70.8569% | 5,839 |
| Total domestic deposits to total assets | 86.7635% | 2,759 |
| Equity capital to assets | 12.9875% | 1,531 |
| Core capital (leverage) ratio | 11.5081% | 1,908 |
| Tier 1 risk-based capital ratio | 17.7212% | 2,015 |
| Total risk-based capital ratio | 18.9814% | 1,985 |
| Memoranda: | ||
| Average total assets | $187,721,500 | 3,394 |
| Average earning assets | $168,259,500 | 3,428 |
| Average equity | $25,665,000 | 2,548 |
| Average total loans | $108,767,500 | 3,712 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3998% | 4,697 |
| Cost of funding earning assets | 1.8793% | 3,563 |
| Net interest margin | 3.5205% | 4,867 |
| Noninterest income to average assets | 0.2251% | 6,500 |
| Noninterest expense to average assets | 4.7229% | 641 |
| Loan and lease loss provision to assets | 2.7602% | 671 |
| Net operating income to assets | -2.4303% | 7,244 |
| Return on assets (ROA) | -2.6342% | 7,311 |
| Pretax return on assets | -4.4832% | 7,641 |
| Return on Equity (ROE) | -22.0102% | 7,212 |
| Retained earnings to average equity (ytd only) | -22.0102% | 7,180 |
| Net charge-offs to loans | 3.0506% | 686 |
| Credit loss provision to net charge-offs | 147.7250% | 3,172 |
| Earnings coverage of net charge-offs (x) | -0.7516% | 6,828 |
| Efficiency ratio | 142.3148% | 367 |
| Assets per employee ($millions) | 6.0777% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5634% | 1,160 |
| Loan loss allowance to noncurrent loans | 151.6038% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 1.2590% | 4,570 |
| Noncurrent loans to loans | 1.6909% | 4,109 |
| Net loans and leases to total assets | 58.0981% | 5,652 |
| Net loans and leases to deposits | 68.0618% | 5,817 |
| Net loans and leases to core deposits | 101.5420% | 3,843 |
| Total domestic deposits to total assets | 85.3607% | 3,381 |
| Equity capital to assets | 14.4452% | 1,041 |
| Core capital (leverage) ratio | 12.6612% | 1,370 |
| Tier 1 risk-based capital ratio | 19.3077% | 1,588 |
| Total risk-based capital ratio | 20.5716% | 1,547 |
| Memoranda: | ||
| Average total assets | $163,500,800 | 3,708 |
| Average earning assets | $143,671,200 | 3,823 |
| Average equity | $19,568,200 | 3,271 |
| Average total loans | $100,143,400 | 3,945 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4408% | 4,735 |
| Cost of funding earning assets | 1.9881% | 3,425 |
| Net interest margin | 3.4527% | 5,062 |
| Noninterest income to average assets | 0.2212% | 6,644 |
| Noninterest expense to average assets | 4.8712% | 535 |
| Loan and lease loss provision to assets | 3.7534% | 339 |
| Net operating income to assets | -3.0760% | 7,606 |
| Return on assets (ROA) | -3.3534% | 7,666 |
| Pretax return on assets | -5.8135% | 7,895 |
| Return on Equity (ROE) | -29.7087% | 7,600 |
| Retained earnings to average equity (ytd only) | -29.7087% | 7,590 |
| Net charge-offs to loans | 4.0010% | 351 |
| Credit loss provision to net charge-offs | 152.0553% | 3,142 |
| Earnings coverage of net charge-offs (x) | -0.6590% | 6,546 |
| Efficiency ratio | 150.1410% | 320 |
| Assets per employee ($millions) | 5.6830% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7782% | 811 |
| Loan loss allowance to noncurrent loans | 117.0455% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 1.3487% | 4,392 |
| Noncurrent loans to loans | 2.3736% | 3,178 |
| Net loans and leases to total assets | 55.2420% | 6,242 |
| Net loans and leases to deposits | 65.2780% | 6,375 |
| Net loans and leases to core deposits | 100.2008% | 4,351 |
| Total domestic deposits to total assets | 84.6258% | 3,420 |
| Equity capital to assets | 14.7634% | 1,072 |
| Core capital (leverage) ratio | 13.5621% | 1,218 |
| Tier 1 risk-based capital ratio | 20.5071% | 1,454 |
| Total risk-based capital ratio | 21.7724% | 1,407 |
| Memoranda: | ||
| Average total assets | $160,313,000 | 3,790 |
| Average earning assets | $140,368,000 | 3,921 |
| Average equity | $18,095,250 | 3,521 |
| Average total loans | $98,906,000 | 4,019 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8374% | 2,862 |
| Cost of funding earning assets | 2.0291% | 3,630 |
| Net interest margin | 3.8083% | 3,525 |
| Noninterest income to average assets | 0.2025% | 6,847 |
| Noninterest expense to average assets | 4.9140% | 549 |
| Loan and lease loss provision to assets | 4.1270% | 298 |
| Net operating income to assets | -3.3027% | 7,727 |
| Return on assets (ROA) | -3.7361% | 7,795 |
| Pretax return on assets | -6.2131% | 7,959 |
| Return on Equity (ROE) | -37.4709% | 7,819 |
| Retained earnings to average equity (ytd only) | -37.4709% | 7,803 |
| Net charge-offs to loans | 5.2666% | 231 |
| Credit loss provision to net charge-offs | 123.3231% | 3,770 |
| Earnings coverage of net charge-offs (x) | -0.4210% | 6,028 |
| Efficiency ratio | 140.1914% | 428 |
| Assets per employee ($millions) | 5.1218% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7840% | 2,096 |
| Loan loss allowance to noncurrent loans | 40.0261% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 2.6398% | 2,432 |
| Noncurrent loans to loans | 4.4570% | 1,449 |
| Net loans and leases to total assets | 58.1722% | 5,942 |
| Net loans and leases to deposits | 64.4040% | 6,525 |
| Net loans and leases to core deposits | 94.4417% | 5,065 |
| Total domestic deposits to total assets | 90.3239% | 698 |
| Equity capital to assets | 9.1501% | 5,097 |
| Core capital (leverage) ratio | 9.5037% | 3,878 |
| Tier 1 risk-based capital ratio | 12.5695% | 4,465 |
| Total risk-based capital ratio | 13.8270% | 4,380 |
| Memoranda: | ||
| Average total assets | $155,026,670 | 3,923 |
| Average earning assets | $134,442,670 | 4,061 |
| Average equity | $15,457,330 | 4,025 |
| Average total loans | $98,507,330 | 4,050 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1637% | 1,714 |
| Cost of funding earning assets | 2.1114% | 3,597 |
| Net interest margin | 4.0523% | 2,445 |
| Noninterest income to average assets | 0.1677% | 7,105 |
| Noninterest expense to average assets | 5.0320% | 476 |
| Loan and lease loss provision to assets | 6.1786% | 119 |
| Net operating income to assets | -5.9906% | 8,087 |
| Return on assets (ROA) | -9.8660% | 8,163 |
| Pretax return on assets | -12.4864% | 8,180 |
| Return on Equity (ROE) | -94.3032% | 8,148 |
| Retained earnings to average equity (ytd only) | -94.3032% | 8,144 |
| Net charge-offs to loans | 5.1356% | 209 |
| Credit loss provision to net charge-offs | 181.9433% | 2,391 |
| Earnings coverage of net charge-offs (x) | -0.4130% | 5,221 |
| Efficiency ratio | 138.6364% | 422 |
| Assets per employee ($millions) | 4.3019% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2823% | 966 |
| Loan loss allowance to noncurrent loans | 32.9665% | 6,336 |
| Noncurrent assets plus other real estate owned to assets | 4.5269% | 1,059 |
| Noncurrent loans to loans | 6.9230% | 587 |
| Net loans and leases to total assets | 63.8965% | 5,009 |
| Net loans and leases to deposits | 70.6838% | 5,908 |
| Net loans and leases to core deposits | 117.6455% | 2,629 |
| Total domestic deposits to total assets | 90.3976% | 643 |
| Equity capital to assets | 9.2231% | 5,057 |
| Core capital (leverage) ratio | 9.2087% | 4,385 |
| Tier 1 risk-based capital ratio | 11.0389% | 5,875 |
| Total risk-based capital ratio | 12.2962% | 5,770 |
| Memoranda: | ||
| Average total assets | $145,470,000 | 4,086 |
| Average earning assets | $124,275,000 | 4,283 |
| Average equity | $15,219,000 | 4,102 |
| Average total loans | $96,190,500 | 4,139 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0857% | 5,117 |
| Cost of funding earning assets | 2.0568% | 6,210 |
| Net interest margin | 4.0289% | 2,986 |
| Noninterest income to average assets | 0.2426% | 6,708 |
| Noninterest expense to average assets | 5.2588% | 560 |
| Loan and lease loss provision to assets | 0.7971% | 1,861 |
| Net operating income to assets | -0.9707% | 7,235 |
| Return on assets (ROA) | -5.6508% | 8,121 |
| Pretax return on assets | -9.7363% | 8,241 |
| Return on Equity (ROE) | -32.3506% | 7,994 |
| Retained earnings to average equity (ytd only) | -32.3506% | 7,950 |
| Net charge-offs to loans | 0.0799% | 5,623 |
| Credit loss provision to net charge-offs | 1,814.0000% | 240 |
| Earnings coverage of net charge-offs (x) | -37.0200% | 6,973 |
| Efficiency ratio | 144.7859% | 376 |
| Assets per employee ($millions) | 4.1286% | 3,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 3,680 |
| 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 | 66.0326% | 4,843 |
| Net loans and leases to deposits | 82.0087% | 4,731 |
| Net loans and leases to core deposits | 133.4197% | 1,627 |
| Total domestic deposits to total assets | 80.5190% | 4,833 |
| Equity capital to assets | 11.7907% | 2,441 |
| Core capital (leverage) ratio | 12.1040% | 1,919 |
| Tier 1 risk-based capital ratio | 13.8398% | 3,628 |
| Total risk-based capital ratio | 14.8890% | 3,642 |
| Memoranda: | ||
| Average total assets | $113,790,200 | 4,672 |
| Average earning assets | $95,733,400 | 4,931 |
| Average equity | $19,876,000 | 3,250 |
| Average total loans | $62,545,400 | 5,155 |