Home > First Arizona Savings, A FSB > Performance and Condition Ratios
First Arizona Savings, A FSB, Performance and Condition Ratios
| 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 | 3.5603% | 7,511 |
| Cost of funding earning assets | 2.5654% | 111 |
| Net interest margin | 0.9949% | 7,706 |
| Noninterest income to average assets | 0.2898% | 5,804 |
| Noninterest expense to average assets | 4.5863% | 542 |
| Loan and lease loss provision to assets | 5.7394% | 59 |
| Net operating income to assets | -10.7614% | 7,747 |
| Return on assets (ROA) | -10.7614% | 7,746 |
| Pretax return on assets | -9.1562% | 7,737 |
| Return on Equity (ROE) | -233.6211% | 7,750 |
| Retained earnings to average equity (ytd only) | -233.6211% | 7,750 |
| Net charge-offs to loans | 5.5334% | 138 |
| Credit loss provision to net charge-offs | 154.0793% | 2,498 |
| Earnings coverage of net charge-offs (x) | -0.9173% | 6,434 |
| Efficiency ratio | 390.9493% | 15 |
| Assets per employee ($millions) | 2.8755% | 6,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6893% | 119 |
| Loan loss allowance to noncurrent loans | 112.5755% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 9.1677% | 484 |
| Noncurrent loans to loans | 5.0538% | 1,362 |
| Net loans and leases to total assets | 60.3622% | 4,837 |
| Net loans and leases to deposits | 81.0424% | 3,257 |
| Net loans and leases to core deposits | 84.3677% | 3,889 |
| Total domestic deposits to total assets | 74.4823% | 6,860 |
| Equity capital to assets | 0.8202% | 7,748 |
| Core capital (leverage) ratio | 0.7389% | 7,746 |
| Tier 1 risk-based capital ratio | 1.6552% | 7,733 |
| Total risk-based capital ratio | 2.9906% | 7,733 |
| Memoranda: | ||
| Average total assets | $283,414,000 | 2,291 |
| Average earning assets | $250,606,500 | 2,365 |
| Average equity | $13,055,000 | 4,424 |
| Average total loans | $190,787,000 | 2,280 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5769% | 7,579 |
| Cost of funding earning assets | 2.6299% | 115 |
| Net interest margin | 0.9470% | 7,781 |
| Noninterest income to average assets | 0.0772% | 7,201 |
| Noninterest expense to average assets | 4.4890% | 583 |
| Loan and lease loss provision to assets | 8.3396% | 21 |
| Net operating income to assets | -10.6946% | 7,811 |
| Return on assets (ROA) | -10.6946% | 7,811 |
| Pretax return on assets | -11.9147% | 7,818 |
| Return on Equity (ROE) | -187.2868% | 7,799 |
| Retained earnings to average equity (ytd only) | -187.2868% | 7,799 |
| Net charge-offs to loans | 6.4139% | 111 |
| Credit loss provision to net charge-offs | 190.4167% | 2,070 |
| Earnings coverage of net charge-offs (x) | -0.8163% | 6,093 |
| Efficiency ratio | 489.9028% | 14 |
| Assets per employee ($millions) | 3.0239% | 6,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1814% | 95 |
| Loan loss allowance to noncurrent loans | 122.0408% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 9.5730% | 443 |
| Noncurrent loans to loans | 5.0650% | 1,356 |
| Net loans and leases to total assets | 60.4309% | 4,980 |
| Net loans and leases to deposits | 82.7113% | 3,133 |
| Net loans and leases to core deposits | 85.4367% | 3,913 |
| Total domestic deposits to total assets | 73.0625% | 7,094 |
| Equity capital to assets | 3.4275% | 7,729 |
| Core capital (leverage) ratio | 1.4980% | 7,795 |
| Tier 1 risk-based capital ratio | 3.3198% | 7,764 |
| Total risk-based capital ratio | 4.6653% | 7,763 |
| Memoranda: | ||
| Average total assets | $292,578,670 | 2,250 |
| Average earning assets | $258,489,670 | 2,319 |
| Average equity | $16,707,000 | 3,680 |
| Average total loans | $199,783,330 | 2,217 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5899% | 7,681 |
| Cost of funding earning assets | 2.8055% | 85 |
| Net interest margin | 0.7844% | 7,892 |
| Noninterest income to average assets | 0.0410% | 7,508 |
| Noninterest expense to average assets | 3.5800% | 1,786 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -2.5509% | 7,565 |
| Return on assets (ROA) | -2.5509% | 7,567 |
| Pretax return on assets | -2.8402% | 7,577 |
| Return on Equity (ROE) | -37.8692% | 7,640 |
| Retained earnings to average equity (ytd only) | -37.8692% | 7,623 |
| Net charge-offs to loans | 4.9956% | 242 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.8119% | 5,355 |
| Efficiency ratio | 482.8571% | 18 |
| Assets per employee ($millions) | 3.3794% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 5,797 |
| Loan loss allowance to noncurrent loans | 11.4809% | 7,304 |
| Noncurrent assets plus other real estate owned to assets | 11.4331% | 298 |
| Noncurrent loans to loans | 9.9849% | 423 |
| Net loans and leases to total assets | 67.0788% | 3,610 |
| Net loans and leases to deposits | 96.7010% | 1,025 |
| Net loans and leases to core deposits | 100.1523% | 2,114 |
| Total domestic deposits to total assets | 69.3672% | 7,451 |
| Equity capital to assets | 8.7386% | 5,673 |
| Core capital (leverage) ratio | 8.4653% | 5,433 |
| Tier 1 risk-based capital ratio | 17.1466% | 2,220 |
| Total risk-based capital ratio | 18.4007% | 2,170 |
| Memoranda: | ||
| Average total assets | $302,792,000 | 2,231 |
| Average earning assets | $269,760,500 | 2,286 |
| Average equity | $20,396,500 | 3,150 |
| Average total loans | $212,025,000 | 2,160 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4528% | 7,429 |
| Cost of funding earning assets | 3.2601% | 102 |
| Net interest margin | 1.1927% | 7,905 |
| Noninterest income to average assets | 0.0829% | 7,338 |
| Noninterest expense to average assets | 3.2578% | 3,158 |
| Loan and lease loss provision to assets | 7.1299% | 63 |
| Net operating income to assets | -7.5879% | 7,917 |
| Return on assets (ROA) | -8.1591% | 7,931 |
| Pretax return on assets | -9.9478% | 7,967 |
| Return on Equity (ROE) | -115.7627% | 7,961 |
| Retained earnings to average equity (ytd only) | -115.7627% | 7,961 |
| Net charge-offs to loans | 5.6564% | 195 |
| Credit loss provision to net charge-offs | 157.9016% | 2,846 |
| Earnings coverage of net charge-offs (x) | -0.4698% | 6,668 |
| Efficiency ratio | 286.1891% | 67 |
| Assets per employee ($millions) | 3.6656% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4796% | 1,258 |
| Loan loss allowance to noncurrent loans | 22.7200% | 6,930 |
| Noncurrent assets plus other real estate owned to assets | 12.3096% | 236 |
| Noncurrent loans to loans | 10.9139% | 348 |
| Net loans and leases to total assets | 70.2807% | 3,187 |
| Net loans and leases to deposits | 102.1839% | 743 |
| Net loans and leases to core deposits | 149.8037% | 513 |
| Total domestic deposits to total assets | 68.7787% | 7,500 |
| Equity capital to assets | 4.8466% | 7,801 |
| Core capital (leverage) ratio | 3.5414% | 7,873 |
| Tier 1 risk-based capital ratio | 6.3825% | 7,797 |
| Total risk-based capital ratio | 7.6238% | 7,800 |
| Memoranda: | ||
| Average total assets | $341,521,200 | 1,991 |
| Average earning assets | $301,675,800 | 2,062 |
| Average equity | $24,070,800 | 2,719 |
| Average total loans | $272,628,800 | 1,766 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7120% | 7,268 |
| Cost of funding earning assets | 3.3443% | 114 |
| Net interest margin | 1.3676% | 7,973 |
| Noninterest income to average assets | 0.0661% | 7,578 |
| Noninterest expense to average assets | 2.0488% | 7,286 |
| Loan and lease loss provision to assets | 4.4315% | 230 |
| Net operating income to assets | -3.0987% | 7,615 |
| Return on assets (ROA) | -3.0302% | 7,604 |
| Pretax return on assets | -5.1012% | 7,824 |
| Return on Equity (ROE) | -40.1917% | 7,753 |
| Retained earnings to average equity (ytd only) | -40.1917% | 7,747 |
| Net charge-offs to loans | 4.0587% | 343 |
| Credit loss provision to net charge-offs | 133.8719% | 3,722 |
| Earnings coverage of net charge-offs (x) | -0.2346% | 6,314 |
| Efficiency ratio | 160.7808% | 267 |
| Assets per employee ($millions) | 4.7233% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 4,944 |
| Loan loss allowance to noncurrent loans | 17.0927% | 7,232 |
| Noncurrent assets plus other real estate owned to assets | 10.4798% | 313 |
| Noncurrent loans to loans | 7.2081% | 732 |
| Net loans and leases to total assets | 72.6098% | 2,879 |
| Net loans and leases to deposits | 113.9852% | 326 |
| Net loans and leases to core deposits | 167.3207% | 289 |
| Total domestic deposits to total assets | 63.7011% | 7,777 |
| Equity capital to assets | 9.6868% | 4,515 |
| Core capital (leverage) ratio | 8.0527% | 6,267 |
| Tier 1 risk-based capital ratio | 13.9112% | 3,605 |
| Total risk-based capital ratio | 15.1650% | 3,544 |
| Memoranda: | ||
| Average total assets | $349,006,750 | 1,963 |
| Average earning assets | $307,776,250 | 2,045 |
| Average equity | $26,313,250 | 2,526 |
| Average total loans | $284,649,000 | 1,705 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8686% | 7,098 |
| Cost of funding earning assets | 3.4410% | 132 |
| Net interest margin | 1.4275% | 8,035 |
| Noninterest income to average assets | 0.0457% | 7,752 |
| Noninterest expense to average assets | 1.9052% | 7,616 |
| Loan and lease loss provision to assets | 5.8218% | 149 |
| Net operating income to assets | -3.7940% | 7,802 |
| Return on assets (ROA) | -3.6917% | 7,787 |
| Pretax return on assets | -6.2561% | 7,961 |
| Return on Equity (ROE) | -54.0103% | 7,943 |
| Retained earnings to average equity (ytd only) | -54.0103% | 7,939 |
| Net charge-offs to loans | 4.4882% | 287 |
| Credit loss provision to net charge-offs | 154.0553% | 2,981 |
| Earnings coverage of net charge-offs (x) | -0.1572% | 5,847 |
| Efficiency ratio | 145.0588% | 394 |
| Assets per employee ($millions) | 6.3126% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7835% | 2,098 |
| Loan loss allowance to noncurrent loans | 28.4070% | 6,604 |
| Noncurrent assets plus other real estate owned to assets | 9.4801% | 335 |
| Noncurrent loans to loans | 6.2783% | 862 |
| Net loans and leases to total assets | 78.2926% | 1,680 |
| Net loans and leases to deposits | 121.9821% | 201 |
| Net loans and leases to core deposits | 177.9938% | 242 |
| Total domestic deposits to total assets | 64.1837% | 7,822 |
| Equity capital to assets | 8.3767% | 6,233 |
| Core capital (leverage) ratio | 8.3624% | 5,692 |
| Tier 1 risk-based capital ratio | 13.4481% | 3,845 |
| Total risk-based capital ratio | 14.7110% | 3,778 |
| Memoranda: | ||
| Average total assets | $350,409,670 | 1,972 |
| Average earning assets | $310,604,670 | 2,053 |
| Average equity | $23,951,000 | 2,760 |
| Average total loans | $295,038,670 | 1,681 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8734% | 7,236 |
| Cost of funding earning assets | 3.4090% | 192 |
| Net interest margin | 1.4644% | 8,068 |
| Noninterest income to average assets | 0.0568% | 7,794 |
| Noninterest expense to average assets | 1.7658% | 7,742 |
| Loan and lease loss provision to assets | 4.2043% | 219 |
| Net operating income to assets | -2.7885% | 7,812 |
| Return on assets (ROA) | -2.7158% | 7,800 |
| Pretax return on assets | -4.4520% | 7,946 |
| Return on Equity (ROE) | -44.7042% | 8,023 |
| Retained earnings to average equity (ytd only) | -44.7042% | 8,005 |
| Net charge-offs to loans | 5.1523% | 206 |
| Credit loss provision to net charge-offs | 94.4359% | 3,910 |
| Earnings coverage of net charge-offs (x) | -0.0812% | 5,055 |
| Efficiency ratio | 125.4045% | 560 |
| Assets per employee ($millions) | 6.2489% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6859% | 7,482 |
| Loan loss allowance to noncurrent loans | 11.3330% | 7,492 |
| Noncurrent assets plus other real estate owned to assets | 7.0558% | 476 |
| Noncurrent loans to loans | 6.0523% | 784 |
| Net loans and leases to total assets | 84.5321% | 617 |
| Net loans and leases to deposits | 132.0415% | 133 |
| Net loans and leases to core deposits | 192.4481% | 168 |
| Total domestic deposits to total assets | 64.0193% | 7,841 |
| Equity capital to assets | 6.0422% | 7,987 |
| Core capital (leverage) ratio | 6.0282% | 7,998 |
| Tier 1 risk-based capital ratio | 9.5995% | 7,343 |
| Total risk-based capital ratio | 10.5293% | 7,579 |
| Memoranda: | ||
| Average total assets | $352,019,000 | 1,972 |
| Average earning assets | $323,962,000 | 1,957 |
| Average equity | $21,385,000 | 3,063 |
| Average total loans | $304,177,500 | 1,642 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8994% | 6,036 |
| Cost of funding earning assets | 3.6518% | 315 |
| Net interest margin | 2.2477% | 7,942 |
| Noninterest income to average assets | 0.1030% | 7,622 |
| Noninterest expense to average assets | 1.7360% | 7,830 |
| Loan and lease loss provision to assets | 1.6695% | 782 |
| Net operating income to assets | -0.7087% | 7,069 |
| Return on assets (ROA) | -0.6805% | 6,956 |
| Pretax return on assets | -1.1307% | 7,077 |
| Return on Equity (ROE) | -9.9885% | 7,281 |
| Retained earnings to average equity (ytd only) | -9.9885% | 7,072 |
| Net charge-offs to loans | 0.0417% | 6,193 |
| Credit loss provision to net charge-offs | 4,616.0000% | 107 |
| Earnings coverage of net charge-offs (x) | 13.6800% | 2,114 |
| Efficiency ratio | 77.4319% | 3,008 |
| Assets per employee ($millions) | 6.5574% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 4,838 |
| Loan loss allowance to noncurrent loans | 32.1101% | 6,584 |
| Noncurrent assets plus other real estate owned to assets | 4.6639% | 783 |
| Noncurrent loans to loans | 3.6158% | 1,396 |
| Net loans and leases to total assets | 86.6696% | 514 |
| Net loans and leases to deposits | 139.0417% | 114 |
| Net loans and leases to core deposits | 211.8986% | 134 |
| Total domestic deposits to total assets | 62.3335% | 7,869 |
| Equity capital to assets | 6.1073% | 8,042 |
| Core capital (leverage) ratio | 6.1155% | 8,044 |
| Tier 1 risk-based capital ratio | 9.8614% | 6,887 |
| Total risk-based capital ratio | 11.1163% | 6,767 |
| Memoranda: | ||
| Average total assets | $345,619,000 | 1,927 |
| Average earning assets | $327,184,000 | 1,866 |
| Average equity | $23,547,000 | 2,781 |
| Average total loans | $299,811,200 | 1,610 |