Home > Bank of Arizona > Performance and Condition Ratios
Bank of Arizona, 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 | 5.5683% | 2,015 |
Cost of funding earning assets | 0.5633% | 7,199 |
Net interest margin | 5.0050% | 426 |
Noninterest income to average assets | 1.2104% | 1,023 |
Noninterest expense to average assets | 5.2560% | 350 |
Loan and lease loss provision to assets | 2.3540% | 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 loans | 2.1056% | 939 |
Credit loss provision to net charge-offs | 138.6769% | 2,748 |
Earnings coverage of net charge-offs (x) | 0.0310% | 6,091 |
Efficiency ratio | 97.3592% | 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 loans | 3.7975% | 473 |
Loan loss allowance to noncurrent loans | 90.0309% | 3,171 |
Noncurrent assets plus other real estate owned to assets | 4.9652% | 1,294 |
Noncurrent loans to loans | 4.2180% | 1,716 |
Net loans and leases to total assets | 79.4805% | 734 |
Net loans and leases to deposits | 102.0891% | 483 |
Net loans and leases to core deposits | 111.6101% | 837 |
Total domestic deposits to total assets | 77.8540% | 6,348 |
Equity capital to assets | 15.5237% | 673 |
Core capital (leverage) ratio | 10.1578% | 2,917 |
Tier 1 risk-based capital ratio | 10.7687% | 6,516 |
Total risk-based capital ratio | 12.0470% | 6,454 |
Memoranda: | ||
Average total assets | $290,316,000 | 2,212 |
Average earning assets | $237,720,800 | 2,448 |
Average equity | $44,359,000 | 1,508 |
Average total loans | $234,045,600 | 1,864 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5490% | 2,261 |
Cost of funding earning assets | 0.5982% | 7,297 |
Net interest margin | 4.9508% | 484 |
Noninterest income to average assets | 1.1225% | 1,110 |
Noninterest expense to average assets | 5.0009% | 382 |
Loan and lease loss provision to assets | 1.1358% | 1,277 |
Net operating income to assets | -0.6607% | 6,707 |
Return on assets (ROA) | -0.6607% | 6,753 |
Pretax return on assets | -0.9608% | 6,838 |
Return on Equity (ROE) | -4.3411% | 6,594 |
Retained earnings to average equity (ytd only) | -4.3411% | 6,499 |
Net charge-offs to loans | 1.4965% | 1,342 |
Credit loss provision to net charge-offs | 94.7268% | 4,576 |
Earnings coverage of net charge-offs (x) | 0.1460% | 5,881 |
Efficiency ratio | 94.9367% | 947 |
Assets per employee ($millions) | 3.3319% | 5,377 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8874% | 921 |
Loan loss allowance to noncurrent loans | 57.3896% | 4,476 |
Noncurrent assets plus other real estate owned to assets | 4.9701% | 1,298 |
Noncurrent loans to loans | 5.0312% | 1,366 |
Net loans and leases to total assets | 76.5637% | 1,300 |
Net loans and leases to deposits | 93.1059% | 1,318 |
Net loans and leases to core deposits | 101.1351% | 1,735 |
Total domestic deposits to total assets | 82.2329% | 4,900 |
Equity capital to assets | 15.4339% | 785 |
Core capital (leverage) ratio | 10.9295% | 2,312 |
Tier 1 risk-based capital ratio | 11.2702% | 6,129 |
Total risk-based capital ratio | 12.5376% | 6,105 |
Memoranda: | ||
Average total assets | $291,005,000 | 2,237 |
Average earning assets | $238,258,250 | 2,484 |
Average equity | $44,288,750 | 1,513 |
Average total loans | $233,163,000 | 1,902 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5343% | 2,389 |
Cost of funding earning assets | 0.6248% | 7,352 |
Net interest margin | 4.9095% | 527 |
Noninterest income to average assets | 0.6339% | 3,105 |
Noninterest expense to average assets | 5.0807% | 355 |
Loan and lease loss provision to assets | 1.3085% | 1,045 |
Net operating income to assets | -1.0482% | 6,967 |
Return on assets (ROA) | -1.0482% | 6,981 |
Pretax return on assets | -1.7472% | 7,163 |
Return on Equity (ROE) | -6.9221% | 6,830 |
Retained earnings to average equity (ytd only) | -6.9221% | 6,732 |
Net charge-offs to loans | 1.2495% | 1,524 |
Credit loss provision to net charge-offs | 129.9514% | 3,095 |
Earnings coverage of net charge-offs (x) | -0.4357% | 5,999 |
Efficiency ratio | 107.5369% | 599 |
Assets per employee ($millions) | 3.1581% | 5,769 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2221% | 685 |
Loan loss allowance to noncurrent loans | 47.3374% | 5,142 |
Noncurrent assets plus other real estate owned to assets | 6.6826% | 823 |
Noncurrent loans to loans | 6.8066% | 855 |
Net loans and leases to total assets | 78.0192% | 1,110 |
Net loans and leases to deposits | 98.3227% | 843 |
Net loans and leases to core deposits | 108.0957% | 1,292 |
Total domestic deposits to total assets | 79.3502% | 5,931 |
Equity capital to assets | 15.4093% | 792 |
Core capital (leverage) ratio | 10.2575% | 2,885 |
Tier 1 risk-based capital ratio | 10.5635% | 6,638 |
Total risk-based capital ratio | 11.8357% | 6,618 |
Memoranda: | ||
Average total assets | $285,829,000 | 2,293 |
Average earning assets | $233,345,670 | 2,555 |
Average equity | $43,281,670 | 1,532 |
Average total loans | $230,327,000 | 1,943 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5764% | 2,257 |
Cost of funding earning assets | 0.6392% | 7,474 |
Net interest margin | 4.9373% | 478 |
Noninterest income to average assets | 1.4492% | 572 |
Noninterest expense to average assets | 4.8118% | 425 |
Loan and lease loss provision to assets | 1.9050% | 587 |
Net operating income to assets | -0.7408% | 6,979 |
Return on assets (ROA) | -0.7408% | 7,003 |
Pretax return on assets | -1.2347% | 7,163 |
Return on Equity (ROE) | -4.9369% | 6,879 |
Retained earnings to average equity (ytd only) | -4.9369% | 6,584 |
Net charge-offs to loans | 1.7638% | 982 |
Credit loss provision to net charge-offs | 134.0616% | 2,627 |
Earnings coverage of net charge-offs (x) | 0.4717% | 4,604 |
Efficiency ratio | 86.1519% | 1,779 |
Assets per employee ($millions) | 3.2136% | 5,737 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2412% | 672 |
Loan loss allowance to noncurrent loans | 56.9955% | 4,541 |
Noncurrent assets plus other real estate owned to assets | 6.0162% | 995 |
Noncurrent loans to loans | 5.6868% | 1,196 |
Net loans and leases to total assets | 77.8539% | 1,179 |
Net loans and leases to deposits | 106.6458% | 400 |
Net loans and leases to core deposits | 116.5122% | 927 |
Total domestic deposits to total assets | 73.0023% | 7,159 |
Equity capital to assets | 15.1208% | 850 |
Core capital (leverage) ratio | 9.8665% | 3,318 |
Tier 1 risk-based capital ratio | 10.0486% | 6,997 |
Total risk-based capital ratio | 11.3198% | 6,977 |
Memoranda: | ||
Average total assets | $283,471,000 | 2,358 |
Average earning assets | $231,545,500 | 2,629 |
Average equity | $42,537,000 | 1,574 |
Average total loans | $228,376,500 | 2,005 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6033% | 3,586 |
Cost of funding earning assets | 0.9184% | 7,367 |
Net interest margin | 4.6849% | 859 |
Noninterest income to average assets | 1.0725% | 1,338 |
Noninterest expense to average assets | 7.1491% | 196 |
Loan and lease loss provision to assets | 1.7671% | 1,290 |
Net operating income to assets | -2.4405% | 7,249 |
Return on assets (ROA) | -2.4405% | 7,252 |
Pretax return on assets | -4.0318% | 7,532 |
Return on Equity (ROE) | -15.7475% | 6,972 |
Retained earnings to average equity (ytd only) | -15.7475% | 6,924 |
Net charge-offs to loans | 2.0567% | 1,190 |
Credit loss provision to net charge-offs | 107.4672% | 5,160 |
Earnings coverage of net charge-offs (x) | -1.3773% | 6,941 |
Efficiency ratio | 139.5221% | 387 |
Assets per employee ($millions) | 3.1215% | 5,940 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1400% | 686 |
Loan loss allowance to noncurrent loans | 73.2777% | 3,750 |
Noncurrent assets plus other real estate owned to assets | 4.9058% | 1,268 |
Noncurrent loans to loans | 4.2851% | 1,690 |
Net loans and leases to total assets | 78.1356% | 1,350 |
Net loans and leases to deposits | 103.3309% | 681 |
Net loans and leases to core deposits | 139.5988% | 825 |
Total domestic deposits to total assets | 75.6169% | 6,756 |
Equity capital to assets | 14.8887% | 934 |
Core capital (leverage) ratio | 9.6023% | 3,593 |
Tier 1 risk-based capital ratio | 9.3599% | 7,298 |
Total risk-based capital ratio | 10.6291% | 7,275 |
Memoranda: | ||
Average total assets | $263,878,000 | 2,480 |
Average earning assets | $214,711,000 | 2,769 |
Average equity | $40,895,400 | 1,634 |
Average total loans | $210,967,600 | 2,183 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5696% | 4,035 |
Cost of funding earning assets | 1.0021% | 7,383 |
Net interest margin | 4.5675% | 1,042 |
Noninterest income to average assets | 0.8756% | 2,081 |
Noninterest expense to average assets | 7.2624% | 188 |
Loan and lease loss provision to assets | 1.6357% | 1,147 |
Net operating income to assets | -2.5781% | 7,478 |
Return on assets (ROA) | -2.5781% | 7,484 |
Pretax return on assets | -4.3124% | 7,732 |
Return on Equity (ROE) | -16.4603% | 7,256 |
Retained earnings to average equity (ytd only) | -16.4603% | 7,209 |
Net charge-offs to loans | 2.0265% | 965 |
Credit loss provision to net charge-offs | 101.2075% | 5,024 |
Earnings coverage of net charge-offs (x) | -1.6562% | 6,710 |
Efficiency ratio | 152.8727% | 301 |
Assets per employee ($millions) | 2.8803% | 6,458 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1491% | 590 |
Loan loss allowance to noncurrent loans | 79.2987% | 3,449 |
Noncurrent assets plus other real estate owned to assets | 4.6811% | 1,282 |
Noncurrent loans to loans | 3.9712% | 1,851 |
Net loans and leases to total assets | 77.5853% | 1,653 |
Net loans and leases to deposits | 101.4151% | 974 |
Net loans and leases to core deposits | 135.0419% | 1,149 |
Total domestic deposits to total assets | 76.5027% | 6,474 |
Equity capital to assets | 15.2017% | 950 |
Core capital (leverage) ratio | 9.5055% | 3,903 |
Tier 1 risk-based capital ratio | 9.5141% | 7,361 |
Total risk-based capital ratio | 10.7831% | 7,311 |
Memoranda: | ||
Average total assets | $259,614,500 | 2,532 |
Average earning assets | $210,878,000 | 2,844 |
Average equity | $40,662,500 | 1,661 |
Average total loans | $207,053,500 | 2,251 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6437% | 3,854 |
Cost of funding earning assets | 1.0700% | 7,434 |
Net interest margin | 4.5737% | 1,008 |
Noninterest income to average assets | 0.5822% | 3,818 |
Noninterest expense to average assets | 7.6122% | 180 |
Loan and lease loss provision to assets | 1.1028% | 1,555 |
Net operating income to assets | -2.6526% | 7,600 |
Return on assets (ROA) | -2.6526% | 7,590 |
Pretax return on assets | -4.4212% | 7,800 |
Return on Equity (ROE) | -16.7616% | 7,414 |
Retained earnings to average equity (ytd only) | -16.7616% | 7,337 |
Net charge-offs to loans | 2.3634% | 755 |
Credit loss provision to net charge-offs | 58.5963% | 5,617 |
Earnings coverage of net charge-offs (x) | -1.7633% | 6,330 |
Efficiency ratio | 171.3324% | 280 |
Assets per employee ($millions) | 2.7640% | 6,712 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8083% | 674 |
Loan loss allowance to noncurrent loans | 51.9498% | 4,904 |
Noncurrent assets plus other real estate owned to assets | 4.8885% | 1,107 |
Noncurrent loans to loans | 5.4058% | 1,081 |
Net loans and leases to total assets | 77.1924% | 1,915 |
Net loans and leases to deposits | 96.9239% | 1,666 |
Net loans and leases to core deposits | 131.1638% | 1,480 |
Total domestic deposits to total assets | 79.6423% | 5,576 |
Equity capital to assets | 15.6720% | 889 |
Core capital (leverage) ratio | 9.5629% | 3,795 |
Tier 1 risk-based capital ratio | 9.6958% | 7,235 |
Total risk-based capital ratio | 10.9610% | 7,167 |
Memoranda: | ||
Average total assets | $255,904,000 | 2,573 |
Average earning assets | $207,667,000 | 2,900 |
Average equity | $40,497,330 | 1,675 |
Average total loans | $203,775,000 | 2,309 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4402% | 5,224 |
Cost of funding earning assets | 1.0077% | 7,662 |
Net interest margin | 4.4325% | 1,268 |
Noninterest income to average assets | 0.5781% | 3,702 |
Noninterest expense to average assets | 7.8677% | 159 |
Loan and lease loss provision to assets | 0.9104% | 1,436 |
Net operating income to assets | -2.7628% | 7,807 |
Return on assets (ROA) | -2.7628% | 7,810 |
Pretax return on assets | -4.6041% | 7,958 |
Return on Equity (ROE) | -17.3719% | 7,692 |
Retained earnings to average equity (ytd only) | -17.3719% | 7,556 |
Net charge-offs to loans | 1.1280% | 1,214 |
Credit loss provision to net charge-offs | 101.2259% | 3,688 |
Earnings coverage of net charge-offs (x) | -4.1068% | 5,542 |
Efficiency ratio | 182.3019% | 232 |
Assets per employee ($millions) | 2.6337% | 7,013 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3776% | 347 |
Loan loss allowance to noncurrent loans | 174.1547% | 1,875 |
Noncurrent assets plus other real estate owned to assets | 2.1556% | 2,665 |
Noncurrent loans to loans | 1.9394% | 3,355 |
Net loans and leases to total assets | 76.9278% | 2,055 |
Net loans and leases to deposits | 109.7965% | 625 |
Net loans and leases to core deposits | 152.1727% | 643 |
Total domestic deposits to total assets | 70.0639% | 7,418 |
Equity capital to assets | 16.1325% | 852 |
Core capital (leverage) ratio | 9.8275% | 3,605 |
Tier 1 risk-based capital ratio | 10.0004% | 6,920 |
Total risk-based capital ratio | 11.2720% | 6,803 |
Memoranda: | ||
Average total assets | $253,949,500 | 2,601 |
Average earning assets | $206,023,000 | 2,936 |
Average equity | $40,387,000 | 1,689 |
Average total loans | $202,487,000 | 2,337 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9323% | 1,300 |
Cost of funding earning assets | 1.5780% | 7,487 |
Net interest margin | 5.3543% | 259 |
Noninterest income to average assets | 0.5498% | 4,230 |
Noninterest expense to average assets | 7.3694% | 266 |
Loan and lease loss provision to assets | 3.1621% | 282 |
Net operating income to assets | -3.4422% | 7,902 |
Return on assets (ROA) | -3.4419% | 7,886 |
Pretax return on assets | -5.6901% | 8,076 |
Return on Equity (ROE) | -20.5444% | 7,769 |
Retained earnings to average equity (ytd only) | -20.5444% | 7,693 |
Net charge-offs to loans | 1.3065% | 911 |
Credit loss provision to net charge-offs | 299.3520% | 1,514 |
Earnings coverage of net charge-offs (x) | -2.3937% | 6,729 |
Efficiency ratio | 145.4971% | 372 |
Assets per employee ($millions) | 2.6849% | 6,814 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3347% | 325 |
Loan loss allowance to noncurrent loans | 167.0849% | 2,254 |
Noncurrent assets plus other real estate owned to assets | 1.7901% | 2,742 |
Noncurrent loans to loans | 1.9958% | 2,770 |
Net loans and leases to total assets | 77.1895% | 2,331 |
Net loans and leases to deposits | 146.2329% | 85 |
Net loans and leases to core deposits | 186.1938% | 235 |
Total domestic deposits to total assets | 52.7853% | 8,103 |
Equity capital to assets | 15.6767% | 1,005 |
Core capital (leverage) ratio | 9.5534% | 3,941 |
Tier 1 risk-based capital ratio | 9.3736% | 7,434 |
Total risk-based capital ratio | 10.6454% | 7,339 |
Memoranda: | ||
Average total assets | $233,738,200 | 2,717 |
Average earning assets | $187,326,400 | 3,077 |
Average equity | $39,159,000 | 1,723 |
Average total loans | $188,972,200 | 2,405 |