Home > Bank of Tucson > Performance and Condition Ratios
Bank of Tucson, 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 | 5.6486% | 1,752 |
| Cost of funding earning assets | 0.5153% | 7,279 |
| Net interest margin | 5.1334% | 331 |
| Noninterest income to average assets | 0.1422% | 6,679 |
| Noninterest expense to average assets | 2.8043% | 4,594 |
| Loan and lease loss provision to assets | 0.9719% | 1,666 |
| Net operating income to assets | 0.7207% | 3,143 |
| Return on assets (ROA) | 0.7207% | 3,270 |
| Pretax return on assets | 1.1634% | 2,353 |
| Return on Equity (ROE) | 8.7054% | 2,417 |
| Retained earnings to average equity (ytd only) | -19.1786% | 6,997 |
| Net charge-offs to loans | 1.0241% | 2,151 |
| Credit loss provision to net charge-offs | 129.2204% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2.8392% | 3,656 |
| Efficiency ratio | 56.7717% | 6,494 |
| Assets per employee ($millions) | 5.7542% | 1,387 |
| Cash dividends to net income (ytd only)* | 320.3075% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 4,050 |
| Loan loss allowance to noncurrent loans | 30.8650% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 4.0809% | 1,654 |
| Noncurrent loans to loans | 4.8395% | 1,423 |
| Net loans and leases to total assets | 69.9401% | 2,545 |
| Net loans and leases to deposits | 75.4010% | 3,937 |
| Net loans and leases to core deposits | 79.4877% | 4,279 |
| Total domestic deposits to total assets | 92.7575% | 160 |
| Equity capital to assets | 6.9341% | 7,134 |
| Core capital (leverage) ratio | 7.0926% | 6,978 |
| Tier 1 risk-based capital ratio | 9.3129% | 7,180 |
| Total risk-based capital ratio | 10.5649% | 7,184 |
| Memoranda: | ||
| Average total assets | $216,597,200 | 2,908 |
| Average earning assets | $202,420,800 | 2,841 |
| Average equity | $17,931,400 | 3,436 |
| Average total loans | $159,071,800 | 2,627 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7661% | 1,498 |
| Cost of funding earning assets | 0.5576% | 7,369 |
| Net interest margin | 5.2085% | 290 |
| Noninterest income to average assets | 0.2044% | 6,437 |
| Noninterest expense to average assets | 2.8002% | 4,489 |
| Loan and lease loss provision to assets | 0.8740% | 1,738 |
| Net operating income to assets | 0.8504% | 2,809 |
| Return on assets (ROA) | 0.8504% | 2,940 |
| Pretax return on assets | 1.3871% | 1,921 |
| Return on Equity (ROE) | 9.8536% | 2,178 |
| Retained earnings to average equity (ytd only) | -26.1348% | 7,323 |
| Net charge-offs to loans | 0.8259% | 2,386 |
| Credit loss provision to net charge-offs | 142.8426% | 2,761 |
| Earnings coverage of net charge-offs (x) | 3.6954% | 3,332 |
| Efficiency ratio | 55.3265% | 6,646 |
| Assets per employee ($millions) | 5.5111% | 1,619 |
| Cash dividends to net income (ytd only)* | 365.2296% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5755% | 3,637 |
| Loan loss allowance to noncurrent loans | 29.6608% | 6,353 |
| Noncurrent assets plus other real estate owned to assets | 4.6093% | 1,458 |
| Noncurrent loans to loans | 5.3119% | 1,272 |
| Net loans and leases to total assets | 67.6049% | 3,309 |
| Net loans and leases to deposits | 73.0456% | 4,680 |
| Net loans and leases to core deposits | 76.9629% | 4,926 |
| Total domestic deposits to total assets | 92.5517% | 128 |
| Equity capital to assets | 7.1506% | 7,291 |
| Core capital (leverage) ratio | 6.7649% | 7,266 |
| Tier 1 risk-based capital ratio | 9.8993% | 7,118 |
| Total risk-based capital ratio | 11.1521% | 7,106 |
| Memoranda: | ||
| Average total assets | $214,643,500 | 2,981 |
| Average earning assets | $200,153,750 | 2,917 |
| Average equity | $18,524,000 | 3,386 |
| Average total loans | $159,006,250 | 2,675 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0031% | 943 |
| Cost of funding earning assets | 0.5634% | 7,461 |
| Net interest margin | 5.4397% | 185 |
| Noninterest income to average assets | 0.1380% | 6,891 |
| Noninterest expense to average assets | 2.7528% | 4,691 |
| Loan and lease loss provision to assets | 0.7868% | 1,825 |
| Net operating income to assets | 1.0170% | 2,132 |
| Return on assets (ROA) | 1.0170% | 2,202 |
| Pretax return on assets | 1.6658% | 1,125 |
| Return on Equity (ROE) | 11.1465% | 1,702 |
| Retained earnings to average equity (ytd only) | 11.1465% | 624 |
| Net charge-offs to loans | 0.6032% | 2,722 |
| Credit loss provision to net charge-offs | 171.8941% | 2,268 |
| Earnings coverage of net charge-offs (x) | 5.3585% | 2,687 |
| Efficiency ratio | 52.8832% | 6,990 |
| Assets per employee ($millions) | 5.4536% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 4,143 |
| Loan loss allowance to noncurrent loans | 46.1649% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 2.7880% | 2,592 |
| Noncurrent loans to loans | 3.1560% | 2,536 |
| Net loans and leases to total assets | 66.6475% | 3,699 |
| Net loans and leases to deposits | 73.2954% | 4,797 |
| Net loans and leases to core deposits | 77.4412% | 5,033 |
| Total domestic deposits to total assets | 90.9299% | 514 |
| Equity capital to assets | 8.7719% | 5,786 |
| Core capital (leverage) ratio | 9.3051% | 4,112 |
| Tier 1 risk-based capital ratio | 12.3040% | 5,038 |
| Total risk-based capital ratio | 13.5557% | 5,013 |
| Memoranda: | ||
| Average total assets | $214,546,670 | 3,002 |
| Average earning assets | $199,864,330 | 2,954 |
| Average equity | $19,575,670 | 3,234 |
| Average total loans | $162,797,670 | 2,655 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3144% | 517 |
| Cost of funding earning assets | 0.6306% | 7,495 |
| Net interest margin | 5.6838% | 143 |
| Noninterest income to average assets | 0.2412% | 6,226 |
| Noninterest expense to average assets | 2.9639% | 3,807 |
| Loan and lease loss provision to assets | 0.5885% | 2,151 |
| Net operating income to assets | 1.2214% | 1,486 |
| Return on assets (ROA) | 1.2214% | 1,562 |
| Pretax return on assets | 1.9933% | 614 |
| Return on Equity (ROE) | 13.1073% | 1,235 |
| Retained earnings to average equity (ytd only) | 13.1073% | 608 |
| Net charge-offs to loans | 0.2231% | 3,595 |
| Credit loss provision to net charge-offs | 327.9570% | 1,210 |
| Earnings coverage of net charge-offs (x) | 14.3871% | 1,436 |
| Efficiency ratio | 53.4447% | 7,024 |
| Assets per employee ($millions) | 5.1098% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 5,028 |
| Loan loss allowance to noncurrent loans | 49.6597% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 2.6902% | 2,708 |
| Noncurrent loans to loans | 2.5850% | 3,088 |
| Net loans and leases to total assets | 77.6706% | 1,211 |
| Net loans and leases to deposits | 86.0934% | 2,570 |
| Net loans and leases to core deposits | 91.3336% | 3,196 |
| Total domestic deposits to total assets | 90.2167% | 880 |
| Equity capital to assets | 9.3723% | 4,720 |
| Core capital (leverage) ratio | 9.2223% | 4,186 |
| Tier 1 risk-based capital ratio | 11.5003% | 5,673 |
| Total risk-based capital ratio | 12.7397% | 5,668 |
| Memoranda: | ||
| Average total assets | $207,295,000 | 3,126 |
| Average earning assets | $193,463,500 | 3,085 |
| Average equity | $19,317,500 | 3,289 |
| Average total loans | $166,740,000 | 2,663 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3668% | 893 |
| Cost of funding earning assets | 0.8247% | 7,518 |
| Net interest margin | 5.5421% | 182 |
| Noninterest income to average assets | 0.2784% | 6,110 |
| Noninterest expense to average assets | 2.7145% | 5,322 |
| Loan and lease loss provision to assets | 1.3227% | 1,741 |
| Net operating income to assets | 0.8585% | 2,315 |
| Return on assets (ROA) | 0.8585% | 2,390 |
| Pretax return on assets | 1.4048% | 1,425 |
| Return on Equity (ROE) | 9.5858% | 1,825 |
| Retained earnings to average equity (ytd only) | 9.5858% | 420 |
| Net charge-offs to loans | 1.4265% | 1,762 |
| Credit loss provision to net charge-offs | 115.3779% | 4,729 |
| Earnings coverage of net charge-offs (x) | 2.3792% | 3,947 |
| Efficiency ratio | 49.8810% | 7,545 |
| Assets per employee ($millions) | 5.2587% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 5,755 |
| Loan loss allowance to noncurrent loans | 37.2603% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 3.6998% | 1,800 |
| Noncurrent loans to loans | 3.0301% | 2,546 |
| Net loans and leases to total assets | 81.3009% | 794 |
| Net loans and leases to deposits | 96.6771% | 1,243 |
| Net loans and leases to core deposits | 110.5982% | 2,829 |
| Total domestic deposits to total assets | 84.0953% | 3,987 |
| Equity capital to assets | 9.2642% | 4,749 |
| Core capital (leverage) ratio | 9.6194% | 3,566 |
| Tier 1 risk-based capital ratio | 10.7294% | 6,175 |
| Total risk-based capital ratio | 11.8046% | 6,323 |
| Memoranda: | ||
| Average total assets | $200,807,400 | 3,174 |
| Average earning assets | $187,095,200 | 3,122 |
| Average equity | $17,985,000 | 3,504 |
| Average total loans | $161,376,600 | 2,740 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3719% | 981 |
| Cost of funding earning assets | 0.8586% | 7,615 |
| Net interest margin | 5.5133% | 183 |
| Noninterest income to average assets | 0.3344% | 5,812 |
| Noninterest expense to average assets | 2.7682% | 5,023 |
| Loan and lease loss provision to assets | 1.1108% | 1,757 |
| Net operating income to assets | 0.9793% | 2,133 |
| Return on assets (ROA) | 0.9793% | 2,191 |
| Pretax return on assets | 1.6034% | 1,171 |
| Return on Equity (ROE) | 11.0311% | 1,615 |
| Retained earnings to average equity (ytd only) | 11.0311% | 470 |
| Net charge-offs to loans | 1.0679% | 1,860 |
| Credit loss provision to net charge-offs | 130.2034% | 3,845 |
| Earnings coverage of net charge-offs (x) | 3.1815% | 3,649 |
| Efficiency ratio | 50.4931% | 7,521 |
| Assets per employee ($millions) | 5.3078% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 4,768 |
| Loan loss allowance to noncurrent loans | 44.2514% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 3.3376% | 2,018 |
| Noncurrent loans to loans | 2.8447% | 2,670 |
| Net loans and leases to total assets | 73.3591% | 2,697 |
| Net loans and leases to deposits | 80.9308% | 4,211 |
| Net loans and leases to core deposits | 91.2207% | 5,310 |
| Total domestic deposits to total assets | 90.6442% | 537 |
| Equity capital to assets | 9.0549% | 5,405 |
| Core capital (leverage) ratio | 8.8983% | 4,815 |
| Tier 1 risk-based capital ratio | 11.4131% | 5,515 |
| Total risk-based capital ratio | 12.5920% | 5,538 |
| Memoranda: | ||
| Average total assets | $199,736,750 | 3,206 |
| Average earning assets | $186,502,000 | 3,160 |
| Average equity | $17,731,250 | 3,575 |
| Average total loans | $159,559,750 | 2,799 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5849% | 678 |
| Cost of funding earning assets | 0.8930% | 7,707 |
| Net interest margin | 5.6919% | 143 |
| Noninterest income to average assets | 0.2919% | 6,186 |
| Noninterest expense to average assets | 2.9547% | 4,274 |
| Loan and lease loss provision to assets | 0.8595% | 1,953 |
| Net operating income to assets | 1.0805% | 1,837 |
| Return on assets (ROA) | 1.0805% | 1,913 |
| Pretax return on assets | 1.7688% | 900 |
| Return on Equity (ROE) | 12.2573% | 1,345 |
| Retained earnings to average equity (ytd only) | 12.2573% | 407 |
| Net charge-offs to loans | 1.0478% | 1,708 |
| Credit loss provision to net charge-offs | 100.2364% | 4,552 |
| Earnings coverage of net charge-offs (x) | 3.0650% | 3,588 |
| Efficiency ratio | 52.9230% | 7,446 |
| Assets per employee ($millions) | 5.2577% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 6,136 |
| Loan loss allowance to noncurrent loans | 21.3070% | 7,055 |
| Noncurrent assets plus other real estate owned to assets | 3.7805% | 1,613 |
| Noncurrent loans to loans | 4.7512% | 1,325 |
| Net loans and leases to total assets | 74.0094% | 2,695 |
| Net loans and leases to deposits | 81.3937% | 4,321 |
| Net loans and leases to core deposits | 93.2913% | 5,204 |
| Total domestic deposits to total assets | 90.9276% | 476 |
| Equity capital to assets | 8.6310% | 5,849 |
| Core capital (leverage) ratio | 9.1222% | 4,426 |
| Tier 1 risk-based capital ratio | 11.0410% | 5,837 |
| Total risk-based capital ratio | 11.9752% | 6,103 |
| Memoranda: | ||
| Average total assets | $197,314,000 | 3,253 |
| Average earning assets | $183,418,330 | 3,221 |
| Average equity | $17,393,670 | 3,640 |
| Average total loans | $161,482,000 | 2,788 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9311% | 386 |
| Cost of funding earning assets | 0.9589% | 7,738 |
| Net interest margin | 5.9721% | 103 |
| Noninterest income to average assets | 0.1985% | 6,875 |
| Noninterest expense to average assets | 2.9052% | 4,144 |
| Loan and lease loss provision to assets | 0.6493% | 1,949 |
| Net operating income to assets | 1.3358% | 1,303 |
| Return on assets (ROA) | 1.3358% | 1,399 |
| Pretax return on assets | 2.1815% | 456 |
| Return on Equity (ROE) | 14.9871% | 978 |
| Retained earnings to average equity (ytd only) | 14.9871% | 420 |
| Net charge-offs to loans | 1.1596% | 1,184 |
| Credit loss provision to net charge-offs | 65.4167% | 4,427 |
| Earnings coverage of net charge-offs (x) | 2.8521% | 3,357 |
| Efficiency ratio | 50.6489% | 7,540 |
| Assets per employee ($millions) | 5.0516% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 6,965 |
| Loan loss allowance to noncurrent loans | 39.7017% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 2.0070% | 2,890 |
| Noncurrent loans to loans | 2.1420% | 3,065 |
| Net loans and leases to total assets | 81.9043% | 1,033 |
| Net loans and leases to deposits | 90.3397% | 2,877 |
| Net loans and leases to core deposits | 106.3032% | 3,873 |
| Total domestic deposits to total assets | 90.6626% | 533 |
| Equity capital to assets | 8.8456% | 5,557 |
| Core capital (leverage) ratio | 9.2502% | 4,320 |
| Tier 1 risk-based capital ratio | 10.0807% | 6,827 |
| Total risk-based capital ratio | 10.8591% | 7,268 |
| Memoranda: | ||
| Average total assets | $193,445,500 | 3,318 |
| Average earning assets | $179,366,500 | 3,287 |
| Average equity | $17,241,500 | 3,686 |
| Average total loans | $165,568,500 | 2,759 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5640% | 362 |
| Cost of funding earning assets | 1.2328% | 7,907 |
| Net interest margin | 6.3312% | 83 |
| Noninterest income to average assets | 0.4376% | 5,138 |
| Noninterest expense to average assets | 2.8213% | 4,733 |
| Loan and lease loss provision to assets | 0.0462% | 6,838 |
| Net operating income to assets | 2.0206% | 335 |
| Return on assets (ROA) | 2.0206% | 319 |
| Pretax return on assets | 3.2931% | 79 |
| Return on Equity (ROE) | 20.9574% | 306 |
| Retained earnings to average equity (ytd only) | -1.6802% | 5,787 |
| Net charge-offs to loans | -0.0497% | 8,025 |
| Credit loss provision to net charge-offs | -106.2500% | 7,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7955% | 7,940 |
| Assets per employee ($millions) | 4.8686% | 2,087 |
| Cash dividends to net income (ytd only)* | 108.0172% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 6,562 |
| Loan loss allowance to noncurrent loans | 62.9569% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 1.2966% | 3,631 |
| Noncurrent loans to loans | 1.4621% | 3,603 |
| Net loans and leases to total assets | 87.8674% | 382 |
| Net loans and leases to deposits | 100.5521% | 1,781 |
| Net loans and leases to core deposits | 117.1744% | 2,984 |
| Total domestic deposits to total assets | 87.3850% | 1,762 |
| Equity capital to assets | 8.9827% | 5,389 |
| Core capital (leverage) ratio | 9.5322% | 3,969 |
| Tier 1 risk-based capital ratio | 9.4134% | 7,398 |
| Total risk-based capital ratio | 10.2579% | 7,774 |
| Memoranda: | ||
| Average total assets | $183,959,600 | 3,354 |
| Average earning assets | $166,287,000 | 3,381 |
| Average equity | $17,736,000 | 3,604 |
| Average total loans | $161,024,400 | 2,760 |