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Bank of Arizona, Performance and Condition Ratios

2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5683%2,015
Cost of funding earning assets0.5633%7,199
Net interest margin5.0050%426
Noninterest income to average assets1.2104%1,023
Noninterest expense to average assets5.2560%350
Loan and lease loss provision to assets2.3540%498
Net operating income to assets-1.4157%6,885
Return on assets (ROA)-1.4157%6,900
Pretax return on assets-2.3013%7,115
Return on Equity (ROE)-9.2653%6,694
Retained earnings to average equity (ytd only)-9.2653%6,617
Net charge-offs to loans2.1056%939
Credit loss provision to net charge-offs138.6769%2,748
Earnings coverage of net charge-offs (x)0.0310%6,091
Efficiency ratio97.3592%897
Assets per employee ($millions)3.1257%5,831
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans3.7975%473
Loan loss allowance to noncurrent loans90.0309%3,171
Noncurrent assets plus other real estate owned to assets4.9652%1,294
Noncurrent loans to loans4.2180%1,716
Net loans and leases to total assets79.4805%734
Net loans and leases to deposits102.0891%483
Net loans and leases to core deposits111.6101%837
Total domestic deposits to total assets77.8540%6,348
Equity capital to assets15.5237%673
Core capital (leverage) ratio10.1578%2,917
Tier 1 risk-based capital ratio10.7687%6,516
Total risk-based capital ratio12.0470%6,454
Memoranda:
Average total assets$290,316,0002,212
Average earning assets$237,720,8002,448
Average equity$44,359,0001,508
Average total loans$234,045,6001,864
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5490%2,261
Cost of funding earning assets0.5982%7,297
Net interest margin4.9508%484
Noninterest income to average assets1.1225%1,110
Noninterest expense to average assets5.0009%382
Loan and lease loss provision to assets1.1358%1,277
Net operating income to assets-0.6607%6,707
Return on assets (ROA)-0.6607%6,753
Pretax return on assets-0.9608%6,838
Return on Equity (ROE)-4.3411%6,594
Retained earnings to average equity (ytd only)-4.3411%6,499
Net charge-offs to loans1.4965%1,342
Credit loss provision to net charge-offs94.7268%4,576
Earnings coverage of net charge-offs (x)0.1460%5,881
Efficiency ratio94.9367%947
Assets per employee ($millions)3.3319%5,377
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.8874%921
Loan loss allowance to noncurrent loans57.3896%4,476
Noncurrent assets plus other real estate owned to assets4.9701%1,298
Noncurrent loans to loans5.0312%1,366
Net loans and leases to total assets76.5637%1,300
Net loans and leases to deposits93.1059%1,318
Net loans and leases to core deposits101.1351%1,735
Total domestic deposits to total assets82.2329%4,900
Equity capital to assets15.4339%785
Core capital (leverage) ratio10.9295%2,312
Tier 1 risk-based capital ratio11.2702%6,129
Total risk-based capital ratio12.5376%6,105
Memoranda:
Average total assets$291,005,0002,237
Average earning assets$238,258,2502,484
Average equity$44,288,7501,513
Average total loans$233,163,0001,902
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5343%2,389
Cost of funding earning assets0.6248%7,352
Net interest margin4.9095%527
Noninterest income to average assets0.6339%3,105
Noninterest expense to average assets5.0807%355
Loan and lease loss provision to assets1.3085%1,045
Net operating income to assets-1.0482%6,967
Return on assets (ROA)-1.0482%6,981
Pretax return on assets-1.7472%7,163
Return on Equity (ROE)-6.9221%6,830
Retained earnings to average equity (ytd only)-6.9221%6,732
Net charge-offs to loans1.2495%1,524
Credit loss provision to net charge-offs129.9514%3,095
Earnings coverage of net charge-offs (x)-0.4357%5,999
Efficiency ratio107.5369%599
Assets per employee ($millions)3.1581%5,769
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans3.2221%685
Loan loss allowance to noncurrent loans47.3374%5,142
Noncurrent assets plus other real estate owned to assets6.6826%823
Noncurrent loans to loans6.8066%855
Net loans and leases to total assets78.0192%1,110
Net loans and leases to deposits98.3227%843
Net loans and leases to core deposits108.0957%1,292
Total domestic deposits to total assets79.3502%5,931
Equity capital to assets15.4093%792
Core capital (leverage) ratio10.2575%2,885
Tier 1 risk-based capital ratio10.5635%6,638
Total risk-based capital ratio11.8357%6,618
Memoranda:
Average total assets$285,829,0002,293
Average earning assets$233,345,6702,555
Average equity$43,281,6701,532
Average total loans$230,327,0001,943
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5764%2,257
Cost of funding earning assets0.6392%7,474
Net interest margin4.9373%478
Noninterest income to average assets1.4492%572
Noninterest expense to average assets4.8118%425
Loan and lease loss provision to assets1.9050%587
Net operating income to assets-0.7408%6,979
Return on assets (ROA)-0.7408%7,003
Pretax return on assets-1.2347%7,163
Return on Equity (ROE)-4.9369%6,879
Retained earnings to average equity (ytd only)-4.9369%6,584
Net charge-offs to loans1.7638%982
Credit loss provision to net charge-offs134.0616%2,627
Earnings coverage of net charge-offs (x)0.4717%4,604
Efficiency ratio86.1519%1,779
Assets per employee ($millions)3.2136%5,737
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans3.2412%672
Loan loss allowance to noncurrent loans56.9955%4,541
Noncurrent assets plus other real estate owned to assets6.0162%995
Noncurrent loans to loans5.6868%1,196
Net loans and leases to total assets77.8539%1,179
Net loans and leases to deposits106.6458%400
Net loans and leases to core deposits116.5122%927
Total domestic deposits to total assets73.0023%7,159
Equity capital to assets15.1208%850
Core capital (leverage) ratio9.8665%3,318
Tier 1 risk-based capital ratio10.0486%6,997
Total risk-based capital ratio11.3198%6,977
Memoranda:
Average total assets$283,471,0002,358
Average earning assets$231,545,5002,629
Average equity$42,537,0001,574
Average total loans$228,376,5002,005
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6033%3,586
Cost of funding earning assets0.9184%7,367
Net interest margin4.6849%859
Noninterest income to average assets1.0725%1,338
Noninterest expense to average assets7.1491%196
Loan and lease loss provision to assets1.7671%1,290
Net operating income to assets-2.4405%7,249
Return on assets (ROA)-2.4405%7,252
Pretax return on assets-4.0318%7,532
Return on Equity (ROE)-15.7475%6,972
Retained earnings to average equity (ytd only)-15.7475%6,924
Net charge-offs to loans2.0567%1,190
Credit loss provision to net charge-offs107.4672%5,160
Earnings coverage of net charge-offs (x)-1.3773%6,941
Efficiency ratio139.5221%387
Assets per employee ($millions)3.1215%5,940
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans3.1400%686
Loan loss allowance to noncurrent loans73.2777%3,750
Noncurrent assets plus other real estate owned to assets4.9058%1,268
Noncurrent loans to loans4.2851%1,690
Net loans and leases to total assets78.1356%1,350
Net loans and leases to deposits103.3309%681
Net loans and leases to core deposits139.5988%825
Total domestic deposits to total assets75.6169%6,756
Equity capital to assets14.8887%934
Core capital (leverage) ratio9.6023%3,593
Tier 1 risk-based capital ratio9.3599%7,298
Total risk-based capital ratio10.6291%7,275
Memoranda:
Average total assets$263,878,0002,480
Average earning assets$214,711,0002,769
Average equity$40,895,4001,634
Average total loans$210,967,6002,183
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5696%4,035
Cost of funding earning assets1.0021%7,383
Net interest margin4.5675%1,042
Noninterest income to average assets0.8756%2,081
Noninterest expense to average assets7.2624%188
Loan and lease loss provision to assets1.6357%1,147
Net operating income to assets-2.5781%7,478
Return on assets (ROA)-2.5781%7,484
Pretax return on assets-4.3124%7,732
Return on Equity (ROE)-16.4603%7,256
Retained earnings to average equity (ytd only)-16.4603%7,209
Net charge-offs to loans2.0265%965
Credit loss provision to net charge-offs101.2075%5,024
Earnings coverage of net charge-offs (x)-1.6562%6,710
Efficiency ratio152.8727%301
Assets per employee ($millions)2.8803%6,458
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans3.1491%590
Loan loss allowance to noncurrent loans79.2987%3,449
Noncurrent assets plus other real estate owned to assets4.6811%1,282
Noncurrent loans to loans3.9712%1,851
Net loans and leases to total assets77.5853%1,653
Net loans and leases to deposits101.4151%974
Net loans and leases to core deposits135.0419%1,149
Total domestic deposits to total assets76.5027%6,474
Equity capital to assets15.2017%950
Core capital (leverage) ratio9.5055%3,903
Tier 1 risk-based capital ratio9.5141%7,361
Total risk-based capital ratio10.7831%7,311
Memoranda:
Average total assets$259,614,5002,532
Average earning assets$210,878,0002,844
Average equity$40,662,5001,661
Average total loans$207,053,5002,251
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6437%3,854
Cost of funding earning assets1.0700%7,434
Net interest margin4.5737%1,008
Noninterest income to average assets0.5822%3,818
Noninterest expense to average assets7.6122%180
Loan and lease loss provision to assets1.1028%1,555
Net operating income to assets-2.6526%7,600
Return on assets (ROA)-2.6526%7,590
Pretax return on assets-4.4212%7,800
Return on Equity (ROE)-16.7616%7,414
Retained earnings to average equity (ytd only)-16.7616%7,337
Net charge-offs to loans2.3634%755
Credit loss provision to net charge-offs58.5963%5,617
Earnings coverage of net charge-offs (x)-1.7633%6,330
Efficiency ratio171.3324%280
Assets per employee ($millions)2.7640%6,712
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.8083%674
Loan loss allowance to noncurrent loans51.9498%4,904
Noncurrent assets plus other real estate owned to assets4.8885%1,107
Noncurrent loans to loans5.4058%1,081
Net loans and leases to total assets77.1924%1,915
Net loans and leases to deposits96.9239%1,666
Net loans and leases to core deposits131.1638%1,480
Total domestic deposits to total assets79.6423%5,576
Equity capital to assets15.6720%889
Core capital (leverage) ratio9.5629%3,795
Tier 1 risk-based capital ratio9.6958%7,235
Total risk-based capital ratio10.9610%7,167
Memoranda:
Average total assets$255,904,0002,573
Average earning assets$207,667,0002,900
Average equity$40,497,3301,675
Average total loans$203,775,0002,309
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4402%5,224
Cost of funding earning assets1.0077%7,662
Net interest margin4.4325%1,268
Noninterest income to average assets0.5781%3,702
Noninterest expense to average assets7.8677%159
Loan and lease loss provision to assets0.9104%1,436
Net operating income to assets-2.7628%7,807
Return on assets (ROA)-2.7628%7,810
Pretax return on assets-4.6041%7,958
Return on Equity (ROE)-17.3719%7,692
Retained earnings to average equity (ytd only)-17.3719%7,556
Net charge-offs to loans1.1280%1,214
Credit loss provision to net charge-offs101.2259%3,688
Earnings coverage of net charge-offs (x)-4.1068%5,542
Efficiency ratio182.3019%232
Assets per employee ($millions)2.6337%7,013
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans3.3776%347
Loan loss allowance to noncurrent loans174.1547%1,875
Noncurrent assets plus other real estate owned to assets2.1556%2,665
Noncurrent loans to loans1.9394%3,355
Net loans and leases to total assets76.9278%2,055
Net loans and leases to deposits109.7965%625
Net loans and leases to core deposits152.1727%643
Total domestic deposits to total assets70.0639%7,418
Equity capital to assets16.1325%852
Core capital (leverage) ratio9.8275%3,605
Tier 1 risk-based capital ratio10.0004%6,920
Total risk-based capital ratio11.2720%6,803
Memoranda:
Average total assets$253,949,5002,601
Average earning assets$206,023,0002,936
Average equity$40,387,0001,689
Average total loans$202,487,0002,337
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9323%1,300
Cost of funding earning assets1.5780%7,487
Net interest margin5.3543%259
Noninterest income to average assets0.5498%4,230
Noninterest expense to average assets7.3694%266
Loan and lease loss provision to assets3.1621%282
Net operating income to assets-3.4422%7,902
Return on assets (ROA)-3.4419%7,886
Pretax return on assets-5.6901%8,076
Return on Equity (ROE)-20.5444%7,769
Retained earnings to average equity (ytd only)-20.5444%7,693
Net charge-offs to loans1.3065%911
Credit loss provision to net charge-offs299.3520%1,514
Earnings coverage of net charge-offs (x)-2.3937%6,729
Efficiency ratio145.4971%372
Assets per employee ($millions)2.6849%6,814
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans3.3347%325
Loan loss allowance to noncurrent loans167.0849%2,254
Noncurrent assets plus other real estate owned to assets1.7901%2,742
Noncurrent loans to loans1.9958%2,770
Net loans and leases to total assets77.1895%2,331
Net loans and leases to deposits146.2329%85
Net loans and leases to core deposits186.1938%235
Total domestic deposits to total assets52.7853%8,103
Equity capital to assets15.6767%1,005
Core capital (leverage) ratio9.5534%3,941
Tier 1 risk-based capital ratio9.3736%7,434
Total risk-based capital ratio10.6454%7,339
Memoranda:
Average total assets$233,738,2002,717
Average earning assets$187,326,4003,077
Average equity$39,159,0001,723
Average total loans$188,972,2002,405