Home > Bank of Albuquerque > Performance and Condition Ratios
Bank of Albuquerque, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6714% | 7,529 |
| Cost of funding earning assets | 0.6587% | 6,988 |
| Net interest margin | 2.0127% | 7,454 |
| Noninterest income to average assets | 1.3648% | 790 |
| Noninterest expense to average assets | 1.8069% | 7,254 |
| Loan and lease loss provision to assets | 0.3597% | 3,965 |
| Net operating income to assets | 0.6665% | 3,360 |
| Return on assets (ROA) | 0.6499% | 3,587 |
| Pretax return on assets | 1.0630% | 2,721 |
| Return on Equity (ROE) | 7.9681% | 2,706 |
| Retained earnings to average equity (ytd only) | 7.9681% | 984 |
| Net charge-offs to loans | 1.7459% | 1,228 |
| Credit loss provision to net charge-offs | 100.1095% | 4,551 |
| Earnings coverage of net charge-offs (x) | 4.0316% | 3,095 |
| Efficiency ratio | 55.5007% | 6,654 |
| Assets per employee ($millions) | 7.6129% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1571% | 762 |
| Loan loss allowance to noncurrent loans | 165.1070% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.5120% | 6,000 |
| Noncurrent loans to loans | 1.9122% | 3,671 |
| Net loans and leases to total assets | 18.7681% | 7,528 |
| Net loans and leases to deposits | 27.9098% | 7,489 |
| Net loans and leases to core deposits | 28.9393% | 7,484 |
| Total domestic deposits to total assets | 67.2456% | 7,351 |
| Equity capital to assets | 8.2347% | 6,227 |
| Core capital (leverage) ratio | 7.1878% | 6,916 |
| Tier 1 risk-based capital ratio | 17.1970% | 2,275 |
| Total risk-based capital ratio | 18.4515% | 2,236 |
| Memoranda: | ||
| Average total assets | $1,779,300,400 | 385 |
| Average earning assets | $1,671,626,000 | 371 |
| Average equity | $145,116,800 | 475 |
| Average total loans | $366,229,000 | 1,232 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7293% | 7,656 |
| Cost of funding earning assets | 0.6973% | 7,067 |
| Net interest margin | 2.0321% | 7,573 |
| Noninterest income to average assets | 1.2429% | 885 |
| Noninterest expense to average assets | 1.8328% | 7,294 |
| Loan and lease loss provision to assets | 0.4084% | 3,452 |
| Net operating income to assets | 0.5486% | 4,097 |
| Return on assets (ROA) | 0.5286% | 4,364 |
| Pretax return on assets | 0.8775% | 3,632 |
| Return on Equity (ROE) | 6.4989% | 3,577 |
| Retained earnings to average equity (ytd only) | 6.4989% | 2,093 |
| Net charge-offs to loans | 2.0803% | 889 |
| Credit loss provision to net charge-offs | 93.8815% | 4,618 |
| Earnings coverage of net charge-offs (x) | 3.0277% | 3,619 |
| Efficiency ratio | 58.1871% | 6,241 |
| Assets per employee ($millions) | 7.1904% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1198% | 753 |
| Loan loss allowance to noncurrent loans | 127.0998% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 5,934 |
| Noncurrent loans to loans | 2.4546% | 3,173 |
| Net loans and leases to total assets | 18.1920% | 7,633 |
| Net loans and leases to deposits | 27.0611% | 7,603 |
| Net loans and leases to core deposits | 28.1356% | 7,596 |
| Total domestic deposits to total assets | 67.2258% | 7,415 |
| Equity capital to assets | 7.9638% | 6,829 |
| Core capital (leverage) ratio | 6.9034% | 7,209 |
| Tier 1 risk-based capital ratio | 16.6580% | 2,481 |
| Total risk-based capital ratio | 17.9120% | 2,441 |
| Memoranda: | ||
| Average total assets | $1,748,316,500 | 389 |
| Average earning assets | $1,640,645,750 | 374 |
| Average equity | $142,214,500 | 478 |
| Average total loans | $365,574,750 | 1,247 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8100% | 7,726 |
| Cost of funding earning assets | 0.7383% | 7,099 |
| Net interest margin | 2.0717% | 7,626 |
| Noninterest income to average assets | 1.1258% | 1,034 |
| Noninterest expense to average assets | 1.8389% | 7,346 |
| Loan and lease loss provision to assets | 0.3271% | 3,782 |
| Net operating income to assets | 0.5411% | 4,138 |
| Return on assets (ROA) | 0.5248% | 4,374 |
| Pretax return on assets | 0.8746% | 3,596 |
| Return on Equity (ROE) | 6.4002% | 3,596 |
| Retained earnings to average equity (ytd only) | 6.4002% | 2,119 |
| Net charge-offs to loans | 1.7164% | 1,088 |
| Credit loss provision to net charge-offs | 87.7382% | 4,489 |
| Earnings coverage of net charge-offs (x) | 3.2916% | 3,383 |
| Efficiency ratio | 59.9753% | 6,050 |
| Assets per employee ($millions) | 7.2104% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2579% | 670 |
| Loan loss allowance to noncurrent loans | 94.9135% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 5,723 |
| Noncurrent loans to loans | 3.4325% | 2,315 |
| Net loans and leases to total assets | 18.1011% | 7,705 |
| Net loans and leases to deposits | 27.3338% | 7,672 |
| Net loans and leases to core deposits | 28.5214% | 7,671 |
| Total domestic deposits to total assets | 66.2223% | 7,520 |
| Equity capital to assets | 7.9490% | 6,809 |
| Core capital (leverage) ratio | 8.2519% | 5,850 |
| Tier 1 risk-based capital ratio | 16.6947% | 2,403 |
| Total risk-based capital ratio | 17.9492% | 2,349 |
| Memoranda: | ||
| Average total assets | $1,688,749,000 | 403 |
| Average earning assets | $1,581,570,670 | 391 |
| Average equity | $138,464,670 | 490 |
| Average total loans | $366,815,330 | 1,252 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0021% | 7,808 |
| Cost of funding earning assets | 0.8280% | 7,006 |
| Net interest margin | 2.1741% | 7,661 |
| Noninterest income to average assets | 0.9976% | 1,318 |
| Noninterest expense to average assets | 1.8184% | 7,446 |
| Loan and lease loss provision to assets | 0.8074% | 1,562 |
| Net operating income to assets | 0.2412% | 5,538 |
| Return on assets (ROA) | 0.2310% | 5,693 |
| Pretax return on assets | 0.3850% | 5,344 |
| Return on Equity (ROE) | 2.7692% | 5,444 |
| Retained earnings to average equity (ytd only) | 2.7692% | 4,472 |
| Net charge-offs to loans | 2.9740% | 520 |
| Credit loss provision to net charge-offs | 115.7820% | 3,008 |
| Earnings coverage of net charge-offs (x) | 1.7328% | 3,691 |
| Efficiency ratio | 60.0788% | 6,158 |
| Assets per employee ($millions) | 6.2588% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2836% | 643 |
| Loan loss allowance to noncurrent loans | 110.8450% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.7404% | 5,677 |
| Noncurrent loans to loans | 2.9623% | 2,712 |
| Net loans and leases to total assets | 21.7832% | 7,761 |
| Net loans and leases to deposits | 29.2005% | 7,741 |
| Net loans and leases to core deposits | 30.5432% | 7,738 |
| Total domestic deposits to total assets | 74.5987% | 6,969 |
| Equity capital to assets | 8.4229% | 6,123 |
| Core capital (leverage) ratio | 7.2564% | 7,063 |
| Tier 1 risk-based capital ratio | 16.3494% | 2,506 |
| Total risk-based capital ratio | 17.6046% | 2,464 |
| Memoranda: | ||
| Average total assets | $1,610,190,000 | 434 |
| Average earning assets | $1,502,808,500 | 422 |
| Average equity | $134,333,000 | 504 |
| Average total loans | $377,536,000 | 1,259 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6802% | 7,899 |
| Cost of funding earning assets | 1.1040% | 6,965 |
| Net interest margin | 1.5762% | 7,852 |
| Noninterest income to average assets | 1.1693% | 1,122 |
| Noninterest expense to average assets | 1.9587% | 7,429 |
| Loan and lease loss provision to assets | 0.3538% | 4,680 |
| Net operating income to assets | 0.1850% | 4,944 |
| Return on assets (ROA) | 0.1714% | 5,069 |
| Pretax return on assets | 0.3000% | 4,760 |
| Return on Equity (ROE) | 2.5639% | 4,681 |
| Retained earnings to average equity (ytd only) | 2.5639% | 3,353 |
| Net charge-offs to loans | 1.1815% | 2,076 |
| Credit loss provision to net charge-offs | 130.1447% | 3,923 |
| Earnings coverage of net charge-offs (x) | 2.4831% | 3,881 |
| Efficiency ratio | 74.3705% | 3,819 |
| Assets per employee ($millions) | 7.3465% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0061% | 772 |
| Loan loss allowance to noncurrent loans | 74.4927% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.1375% | 4,820 |
| Noncurrent loans to loans | 4.0354% | 1,842 |
| Net loans and leases to total assets | 23.6643% | 7,814 |
| Net loans and leases to deposits | 31.5907% | 7,790 |
| Net loans and leases to core deposits | 39.2458% | 7,772 |
| Total domestic deposits to total assets | 74.9092% | 6,876 |
| Equity capital to assets | 8.2601% | 6,263 |
| Core capital (leverage) ratio | 6.5405% | 7,472 |
| Tier 1 risk-based capital ratio | 15.7338% | 2,630 |
| Total risk-based capital ratio | 16.9876% | 2,569 |
| Memoranda: | ||
| Average total assets | $1,830,503,000 | 391 |
| Average earning assets | $1,700,685,600 | 381 |
| Average equity | $122,392,600 | 542 |
| Average total loans | $421,149,800 | 1,139 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5750% | 8,006 |
| Cost of funding earning assets | 1.1720% | 6,965 |
| Net interest margin | 1.4030% | 7,966 |
| Noninterest income to average assets | 1.1253% | 1,246 |
| Noninterest expense to average assets | 1.8566% | 7,602 |
| Loan and lease loss provision to assets | 0.1907% | 5,469 |
| Net operating income to assets | 0.1958% | 5,173 |
| Return on assets (ROA) | 0.2832% | 4,952 |
| Pretax return on assets | 0.5173% | 4,464 |
| Return on Equity (ROE) | 4.4550% | 4,183 |
| Retained earnings to average equity (ytd only) | 4.4550% | 2,785 |
| Net charge-offs to loans | 0.6821% | 2,650 |
| Credit loss provision to net charge-offs | 123.0664% | 4,107 |
| Earnings coverage of net charge-offs (x) | 3.6888% | 3,420 |
| Efficiency ratio | 76.4617% | 3,425 |
| Assets per employee ($millions) | 11.4180% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6375% | 934 |
| Loan loss allowance to noncurrent loans | 89.0125% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.5502% | 6,086 |
| Noncurrent loans to loans | 2.9631% | 2,554 |
| Net loans and leases to total assets | 15.0286% | 7,991 |
| Net loans and leases to deposits | 33.5654% | 7,866 |
| Net loans and leases to core deposits | 41.5129% | 7,835 |
| Total domestic deposits to total assets | 44.7740% | 8,006 |
| Equity capital to assets | 5.0028% | 7,949 |
| Core capital (leverage) ratio | 6.6245% | 7,620 |
| Tier 1 risk-based capital ratio | 11.0829% | 5,867 |
| Total risk-based capital ratio | 12.0770% | 6,092 |
| Memoranda: | ||
| Average total assets | $1,891,420,000 | 382 |
| Average earning assets | $1,756,464,750 | 378 |
| Average equity | $120,222,250 | 560 |
| Average total loans | $429,649,250 | 1,136 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9220% | 8,081 |
| Cost of funding earning assets | 1.4566% | 6,303 |
| Net interest margin | 1.4653% | 8,023 |
| Noninterest income to average assets | 1.2592% | 963 |
| Noninterest expense to average assets | 2.1310% | 7,209 |
| Loan and lease loss provision to assets | 0.1464% | 5,612 |
| Net operating income to assets | 0.1867% | 5,314 |
| Return on assets (ROA) | 0.3613% | 4,758 |
| Pretax return on assets | 0.6021% | 4,317 |
| Return on Equity (ROE) | 5.1091% | 4,034 |
| Retained earnings to average equity (ytd only) | 5.1091% | 2,452 |
| Net charge-offs to loans | 0.6881% | 2,329 |
| Credit loss provision to net charge-offs | 80.1061% | 5,197 |
| Earnings coverage of net charge-offs (x) | 2.6028% | 3,770 |
| Efficiency ratio | 81.7518% | 2,753 |
| Assets per employee ($millions) | 6.8582% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3208% | 1,077 |
| Loan loss allowance to noncurrent loans | 72.2055% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.0002% | 4,970 |
| Noncurrent loans to loans | 3.2141% | 2,217 |
| Net loans and leases to total assets | 25.8019% | 7,964 |
| Net loans and leases to deposits | 35.3744% | 7,912 |
| Net loans and leases to core deposits | 44.1282% | 7,868 |
| Total domestic deposits to total assets | 72.9396% | 7,118 |
| Equity capital to assets | 7.5701% | 7,209 |
| Core capital (leverage) ratio | 6.2719% | 7,864 |
| Tier 1 risk-based capital ratio | 14.0732% | 3,474 |
| Total risk-based capital ratio | 15.2366% | 3,464 |
| Memoranda: | ||
| Average total assets | $1,650,317,670 | 440 |
| Average earning assets | $1,517,611,330 | 439 |
| Average equity | $116,693,330 | 580 |
| Average total loans | $438,332,000 | 1,142 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6300% | 8,163 |
| Cost of funding earning assets | 1.4320% | 6,629 |
| Net interest margin | 1.1981% | 8,127 |
| Noninterest income to average assets | 1.1858% | 1,034 |
| Noninterest expense to average assets | 1.8756% | 7,593 |
| Loan and lease loss provision to assets | 0.3240% | 3,380 |
| Net operating income to assets | 0.0658% | 6,078 |
| Return on assets (ROA) | 0.0371% | 6,321 |
| Pretax return on assets | 0.0617% | 6,250 |
| Return on Equity (ROE) | 0.5424% | 6,267 |
| Retained earnings to average equity (ytd only) | 0.5424% | 5,441 |
| Net charge-offs to loans | 0.4534% | 2,322 |
| Credit loss provision to net charge-offs | 268.3168% | 1,770 |
| Earnings coverage of net charge-offs (x) | 3.5663% | 3,136 |
| Efficiency ratio | 81.3290% | 2,636 |
| Assets per employee ($millions) | 8.8269% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4299% | 818 |
| Loan loss allowance to noncurrent loans | 119.6689% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.5656% | 5,782 |
| Noncurrent loans to loans | 2.0306% | 3,222 |
| Net loans and leases to total assets | 21.6381% | 8,068 |
| Net loans and leases to deposits | 38.0083% | 7,899 |
| Net loans and leases to core deposits | 47.6891% | 7,838 |
| Total domestic deposits to total assets | 56.9300% | 8,030 |
| Equity capital to assets | 5.6041% | 8,058 |
| Core capital (leverage) ratio | 8.5857% | 5,367 |
| Tier 1 risk-based capital ratio | 12.7802% | 4,335 |
| Total risk-based capital ratio | 14.0025% | 4,266 |
| Memoranda: | ||
| Average total assets | $1,673,072,500 | 437 |
| Average earning assets | $1,564,537,500 | 428 |
| Average equity | $114,297,500 | 586 |
| Average total loans | $445,543,500 | 1,132 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8556% | 7,923 |
| Cost of funding earning assets | 2.6411% | 3,478 |
| Net interest margin | 2.2144% | 7,953 |
| Noninterest income to average assets | 1.5986% | 545 |
| Noninterest expense to average assets | 2.4646% | 6,151 |
| Loan and lease loss provision to assets | 0.3366% | 3,699 |
| Net operating income to assets | 0.5071% | 4,694 |
| Return on assets (ROA) | 0.5868% | 4,228 |
| Pretax return on assets | 0.9695% | 3,487 |
| Return on Equity (ROE) | 6.7033% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.7033% | 1,263 |
| Net charge-offs to loans | 0.3073% | 3,344 |
| Credit loss provision to net charge-offs | 348.0118% | 1,296 |
| Earnings coverage of net charge-offs (x) | 12.2150% | 2,274 |
| Efficiency ratio | 67.5933% | 4,800 |
| Assets per employee ($millions) | 5.8354% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3099% | 846 |
| Loan loss allowance to noncurrent loans | 110.3876% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.9532% | 4,447 |
| Noncurrent loans to loans | 2.0925% | 2,639 |
| Net loans and leases to total assets | 32.8014% | 7,920 |
| Net loans and leases to deposits | 39.2531% | 7,953 |
| Net loans and leases to core deposits | 48.2044% | 7,924 |
| Total domestic deposits to total assets | 83.5636% | 3,548 |
| Equity capital to assets | 8.7464% | 5,738 |
| Core capital (leverage) ratio | 7.2178% | 7,509 |
| Tier 1 risk-based capital ratio | 15.9432% | 2,687 |
| Total risk-based capital ratio | 17.1965% | 2,628 |
| Memoranda: | ||
| Average total assets | $1,403,861,400 | 494 |
| Average earning assets | $1,298,075,000 | 489 |
| Average equity | $122,895,400 | 552 |
| Average total loans | $441,848,400 | 1,088 |