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America West Bank, Performance and Condition Ratios
| 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 | 6.5356% | 811 |
| Cost of funding earning assets | 4.1967% | 17 |
| Net interest margin | 2.3388% | 7,678 |
| Noninterest income to average assets | -4.6473% | 8,241 |
| Noninterest expense to average assets | 2.9935% | 3,798 |
| Loan and lease loss provision to assets | 21.0634% | 7 |
| Net operating income to assets | -26.5947% | 8,233 |
| Return on assets (ROA) | -26.5947% | 8,229 |
| Pretax return on assets | -26.5947% | 8,229 |
| Return on Equity (ROE) | -2,273.9073% | 8,246 |
| Retained earnings to average equity (ytd only) | -2,273.9073% | 8,246 |
| Net charge-offs to loans | 5.2248% | 197 |
| Credit loss provision to net charge-offs | 504.5185% | 1,066 |
| Earnings coverage of net charge-offs (x) | -1.3249% | 5,411 |
| Efficiency ratio | -117.9598% | 8,232 |
| Assets per employee ($millions) | 5.4147% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3775% | 27 |
| Loan loss allowance to noncurrent loans | 48.8306% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 22.4627% | 28 |
| Noncurrent loans to loans | 17.1563% | 64 |
| Net loans and leases to total assets | 73.8010% | 2,810 |
| Net loans and leases to deposits | 72.6461% | 5,663 |
| Net loans and leases to core deposits | 79.9238% | 6,394 |
| Total domestic deposits to total assets | 101.5897% | 3 |
| Equity capital to assets | -2.1349% | 8,243 |
| Core capital (leverage) ratio | -2.1434% | 8,242 |
| Tier 1 risk-based capital ratio | -2.9957% | 8,242 |
| Total risk-based capital ratio | -2.9957% | 8,242 |
| Memoranda: | ||
| Average total assets | $290,494,000 | 2,330 |
| Average earning assets | $262,012,500 | 2,350 |
| Average equity | $3,397,500 | 7,659 |
| Average total loans | $232,122,500 | 2,079 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4516% | 457 |
| Cost of funding earning assets | 4.2229% | 44 |
| Net interest margin | 3.2287% | 6,273 |
| Noninterest income to average assets | 0.1403% | 7,399 |
| Noninterest expense to average assets | 2.3253% | 6,629 |
| Loan and lease loss provision to assets | 4.6779% | 124 |
| Net operating income to assets | -3.8066% | 7,955 |
| Return on assets (ROA) | -3.8066% | 7,934 |
| Pretax return on assets | -3.8066% | 7,857 |
| Return on Equity (ROE) | -50.9252% | 8,159 |
| Retained earnings to average equity (ytd only) | -70.1947% | 8,225 |
| Net charge-offs to loans | 3.8249% | 183 |
| Credit loss provision to net charge-offs | 142.0389% | 3,730 |
| Earnings coverage of net charge-offs (x) | 0.2646% | 6,070 |
| Efficiency ratio | 72.7418% | 3,805 |
| Assets per employee ($millions) | 5.1625% | 1,767 |
| Cash dividends to net income (ytd only)* | -37.8388% | 8,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8368% | 500 |
| Loan loss allowance to noncurrent loans | 15.6357% | 7,377 |
| Noncurrent assets plus other real estate owned to assets | 22.1762% | 21 |
| Noncurrent loans to loans | 18.1433% | 47 |
| Net loans and leases to total assets | 77.0519% | 2,360 |
| Net loans and leases to deposits | 81.2180% | 4,838 |
| Net loans and leases to core deposits | 88.6478% | 5,920 |
| Total domestic deposits to total assets | 94.8705% | 12 |
| Equity capital to assets | 4.2769% | 8,241 |
| Core capital (leverage) ratio | 4.1996% | 8,251 |
| Tier 1 risk-based capital ratio | 5.7518% | 8,241 |
| Total risk-based capital ratio | 7.0252% | 8,242 |
| Memoranda: | ||
| Average total assets | $293,677,800 | 2,232 |
| Average earning assets | $278,005,800 | 2,185 |
| Average equity | $21,951,800 | 2,978 |
| Average total loans | $252,867,000 | 1,886 |