Home > Southwest Bank, An M&I Bank > Performance and Condition Ratios
Southwest Bank, An M&I Bank, Performance and Condition Ratios
| 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 | 3.6801% | 7,542 |
| Cost of funding earning assets | 1.2390% | 4,899 |
| Net interest margin | 2.4411% | 7,450 |
| Noninterest income to average assets | 0.2191% | 6,347 |
| Noninterest expense to average assets | 1.3225% | 7,700 |
| Loan and lease loss provision to assets | 1.3224% | 1,029 |
| Net operating income to assets | -0.1589% | 6,302 |
| Return on assets (ROA) | -0.1616% | 6,368 |
| Pretax return on assets | -0.2808% | 6,406 |
| Return on Equity (ROE) | -1.0264% | 6,317 |
| Retained earnings to average equity (ytd only) | -1.0264% | 5,974 |
| Net charge-offs to loans | 2.0484% | 882 |
| Credit loss provision to net charge-offs | 120.6373% | 3,359 |
| Earnings coverage of net charge-offs (x) | 0.9542% | 4,824 |
| Efficiency ratio | 52.8418% | 6,995 |
| Assets per employee ($millions) | 21.5827% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8484% | 2,569 |
| Loan loss allowance to noncurrent loans | 80.0600% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.5776% | 4,090 |
| Noncurrent loans to loans | 2.3088% | 3,362 |
| Net loans and leases to total assets | 54.8385% | 5,868 |
| Net loans and leases to deposits | 67.9055% | 5,570 |
| Net loans and leases to core deposits | 153.8760% | 197 |
| Total domestic deposits to total assets | 80.7571% | 5,488 |
| Equity capital to assets | 17.0049% | 526 |
| Core capital (leverage) ratio | 9.1326% | 4,402 |
| Tier 1 risk-based capital ratio | 13.1728% | 4,303 |
| Total risk-based capital ratio | 14.4264% | 4,259 |
| Memoranda: | ||
| Average total assets | $5,794,306,670 | 153 |
| Average earning assets | $5,101,777,330 | 155 |
| Average equity | $912,535,000 | 125 |
| Average total loans | $3,100,737,000 | 175 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6294% | 7,665 |
| Cost of funding earning assets | 1.2364% | 5,194 |
| Net interest margin | 2.3930% | 7,535 |
| Noninterest income to average assets | 0.1875% | 6,615 |
| Noninterest expense to average assets | 1.3408% | 7,787 |
| Loan and lease loss provision to assets | 0.5996% | 2,120 |
| Net operating income to assets | 0.2432% | 5,529 |
| Return on assets (ROA) | 0.2404% | 5,656 |
| Pretax return on assets | 0.3607% | 5,413 |
| Return on Equity (ROE) | 1.5831% | 5,929 |
| Retained earnings to average equity (ytd only) | 1.5831% | 5,156 |
| Net charge-offs to loans | 3.2302% | 460 |
| Credit loss provision to net charge-offs | 35.3829% | 4,733 |
| Earnings coverage of net charge-offs (x) | 0.5692% | 4,522 |
| Efficiency ratio | 55.1914% | 6,861 |
| Assets per employee ($millions) | 22.7205% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 6,201 |
| Loan loss allowance to noncurrent loans | 52.4177% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 1.3222% | 4,545 |
| Noncurrent loans to loans | 2.0147% | 3,777 |
| Net loans and leases to total assets | 51.7601% | 6,295 |
| Net loans and leases to deposits | 62.4667% | 6,235 |
| Net loans and leases to core deposits | 155.0629% | 209 |
| Total domestic deposits to total assets | 82.8603% | 4,696 |
| Equity capital to assets | 15.5542% | 755 |
| Core capital (leverage) ratio | 8.4591% | 5,446 |
| Tier 1 risk-based capital ratio | 12.6541% | 4,598 |
| Total risk-based capital ratio | 13.5071% | 4,910 |
| Memoranda: | ||
| Average total assets | $6,004,414,500 | 152 |
| Average earning assets | $5,313,940,500 | 154 |
| Average equity | $911,872,000 | 122 |
| Average total loans | $3,149,820,000 | 175 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6581% | 7,799 |
| Cost of funding earning assets | 1.3325% | 6,201 |
| Net interest margin | 2.3256% | 7,568 |
| Noninterest income to average assets | 0.2070% | 6,626 |
| Noninterest expense to average assets | 1.1312% | 7,928 |
| Loan and lease loss provision to assets | 0.7428% | 2,881 |
| Net operating income to assets | 0.2579% | 4,691 |
| Return on assets (ROA) | 0.3197% | 4,541 |
| Pretax return on assets | 0.4839% | 4,233 |
| Return on Equity (ROE) | 2.2480% | 4,809 |
| Retained earnings to average equity (ytd only) | 2.2480% | 3,539 |
| Net charge-offs to loans | 1.4685% | 1,710 |
| Credit loss provision to net charge-offs | 97.0453% | 5,727 |
| Earnings coverage of net charge-offs (x) | 1.4801% | 4,644 |
| Efficiency ratio | 46.8396% | 7,672 |
| Assets per employee ($millions) | 23.1102% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5195% | 3,624 |
| Loan loss allowance to noncurrent loans | 101.1197% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 1.0731% | 4,946 |
| Noncurrent loans to loans | 1.5026% | 4,410 |
| Net loans and leases to total assets | 51.7993% | 6,446 |
| Net loans and leases to deposits | 62.1215% | 6,455 |
| Net loans and leases to core deposits | 68.7749% | 6,835 |
| Total domestic deposits to total assets | 83.3840% | 4,341 |
| Equity capital to assets | 14.8335% | 944 |
| Core capital (leverage) ratio | 8.1811% | 5,847 |
| Tier 1 risk-based capital ratio | 12.0709% | 4,879 |
| Total risk-based capital ratio | 13.3071% | 4,858 |
| Memoranda: | ||
| Average total assets | $6,327,676,400 | 148 |
| Average earning assets | $5,597,019,600 | 150 |
| Average equity | $899,998,600 | 120 |
| Average total loans | $3,297,959,000 | 179 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6359% | 7,911 |
| Cost of funding earning assets | 1.3366% | 6,445 |
| Net interest margin | 2.2993% | 7,643 |
| Noninterest income to average assets | 0.2170% | 6,679 |
| Noninterest expense to average assets | 1.1332% | 8,004 |
| Loan and lease loss provision to assets | 0.5644% | 3,133 |
| Net operating income to assets | 0.3515% | 4,596 |
| Return on assets (ROA) | 0.3678% | 4,625 |
| Pretax return on assets | 0.5770% | 4,272 |
| Return on Equity (ROE) | 2.6126% | 4,945 |
| Retained earnings to average equity (ytd only) | 2.6126% | 3,859 |
| Net charge-offs to loans | 0.9747% | 2,020 |
| Credit loss provision to net charge-offs | 111.3402% | 4,568 |
| Earnings coverage of net charge-offs (x) | 2.2014% | 4,172 |
| Efficiency ratio | 47.2667% | 7,704 |
| Assets per employee ($millions) | 24.5890% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5879% | 3,038 |
| Loan loss allowance to noncurrent loans | 93.5911% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 1.1163% | 4,847 |
| Noncurrent loans to loans | 1.6966% | 4,096 |
| Net loans and leases to total assets | 50.9156% | 6,706 |
| Net loans and leases to deposits | 62.2606% | 6,650 |
| Net loans and leases to core deposits | 69.1473% | 7,007 |
| Total domestic deposits to total assets | 81.7782% | 4,780 |
| Equity capital to assets | 14.1274% | 1,264 |
| Core capital (leverage) ratio | 7.9762% | 6,401 |
| Tier 1 risk-based capital ratio | 11.4338% | 5,493 |
| Total risk-based capital ratio | 12.6842% | 5,439 |
| Memoranda: | ||
| Average total assets | $6,378,542,500 | 154 |
| Average earning assets | $5,637,287,000 | 154 |
| Average equity | $897,889,000 | 126 |
| Average total loans | $3,317,136,750 | 184 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6577% | 8,001 |
| Cost of funding earning assets | 1.3379% | 6,685 |
| Net interest margin | 2.3198% | 7,663 |
| Noninterest income to average assets | 0.2269% | 6,665 |
| Noninterest expense to average assets | 1.1366% | 8,099 |
| Loan and lease loss provision to assets | 0.6372% | 2,519 |
| Net operating income to assets | 0.3178% | 4,820 |
| Return on assets (ROA) | 0.3439% | 4,819 |
| Pretax return on assets | 0.5428% | 4,486 |
| Return on Equity (ROE) | 2.4458% | 5,126 |
| Retained earnings to average equity (ytd only) | 2.4458% | 3,974 |
| Net charge-offs to loans | 1.0645% | 1,692 |
| Credit loss provision to net charge-offs | 114.8935% | 4,032 |
| Earnings coverage of net charge-offs (x) | 2.0544% | 4,058 |
| Efficiency ratio | 46.8436% | 7,815 |
| Assets per employee ($millions) | 23.4803% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6184% | 2,668 |
| Loan loss allowance to noncurrent loans | 100.4701% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.1093% | 4,738 |
| Noncurrent loans to loans | 1.6108% | 4,081 |
| Net loans and leases to total assets | 50.2610% | 6,848 |
| Net loans and leases to deposits | 60.8449% | 6,826 |
| Net loans and leases to core deposits | 69.0715% | 7,074 |
| Total domestic deposits to total assets | 82.6051% | 4,419 |
| Equity capital to assets | 14.0501% | 1,297 |
| Core capital (leverage) ratio | 8.2265% | 5,935 |
| Tier 1 risk-based capital ratio | 11.2112% | 5,674 |
| Total risk-based capital ratio | 12.4615% | 5,593 |
| Memoranda: | ||
| Average total assets | $6,349,083,330 | 157 |
| Average earning assets | $5,607,837,330 | 158 |
| Average equity | $892,650,330 | 131 |
| Average total loans | $3,307,582,330 | 189 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6955% | 8,062 |
| Cost of funding earning assets | 1.3128% | 6,986 |
| Net interest margin | 2.3827% | 7,636 |
| Noninterest income to average assets | 0.2563% | 6,403 |
| Noninterest expense to average assets | 0.9950% | 8,171 |
| Loan and lease loss provision to assets | 0.5697% | 2,208 |
| Net operating income to assets | 0.4923% | 4,454 |
| Return on assets (ROA) | 0.4914% | 4,649 |
| Pretax return on assets | 0.7872% | 4,124 |
| Return on Equity (ROE) | 3.4942% | 5,172 |
| Retained earnings to average equity (ytd only) | 3.4942% | 3,953 |
| Net charge-offs to loans | 1.1276% | 1,215 |
| Credit loss provision to net charge-offs | 96.0512% | 3,872 |
| Earnings coverage of net charge-offs (x) | 2.2899% | 3,589 |
| Efficiency ratio | 39.2721% | 8,066 |
| Assets per employee ($millions) | 24.1091% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5160% | 2,884 |
| Loan loss allowance to noncurrent loans | 126.0607% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.9012% | 4,930 |
| Noncurrent loans to loans | 1.2026% | 4,567 |
| Net loans and leases to total assets | 49.9053% | 6,873 |
| Net loans and leases to deposits | 66.7853% | 6,305 |
| Net loans and leases to core deposits | 73.9821% | 6,807 |
| Total domestic deposits to total assets | 74.7250% | 6,759 |
| Equity capital to assets | 13.7715% | 1,430 |
| Core capital (leverage) ratio | 8.0989% | 6,289 |
| Tier 1 risk-based capital ratio | 10.8479% | 6,043 |
| Total risk-based capital ratio | 12.0226% | 6,026 |
| Memoranda: | ||
| Average total assets | $6,318,562,500 | 158 |
| Average earning assets | $5,560,916,000 | 160 |
| Average equity | $888,660,000 | 129 |
| Average total loans | $3,323,979,000 | 190 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3387% | 7,554 |
| Cost of funding earning assets | 2.5807% | 3,789 |
| Net interest margin | 2.7580% | 7,398 |
| Noninterest income to average assets | 0.2320% | 6,776 |
| Noninterest expense to average assets | 1.1777% | 8,168 |
| Loan and lease loss provision to assets | 0.9799% | 1,504 |
| Net operating income to assets | 0.3128% | 5,502 |
| Return on assets (ROA) | 0.3139% | 5,311 |
| Pretax return on assets | 0.4650% | 5,084 |
| Return on Equity (ROE) | 1.9875% | 5,626 |
| Retained earnings to average equity (ytd only) | 1.2878% | 4,443 |
| Net charge-offs to loans | 1.0502% | 1,169 |
| Credit loss provision to net charge-offs | 153.6724% | 3,404 |
| Earnings coverage of net charge-offs (x) | 2.2635% | 4,945 |
| Efficiency ratio | 41.4860% | 8,088 |
| Assets per employee ($millions) | 21.5763% | 71 |
| Cash dividends to net income (ytd only)* | 35.2051% | 3,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 2,663 |
| Loan loss allowance to noncurrent loans | 135.5496% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.8513% | 4,718 |
| Noncurrent loans to loans | 1.1096% | 4,331 |
| Net loans and leases to total assets | 53.8379% | 6,676 |
| Net loans and leases to deposits | 65.1733% | 6,701 |
| Net loans and leases to core deposits | 71.7565% | 7,094 |
| Total domestic deposits to total assets | 82.6073% | 3,945 |
| Equity capital to assets | 14.3753% | 1,332 |
| Core capital (leverage) ratio | 7.8447% | 6,731 |
| Tier 1 risk-based capital ratio | 10.7009% | 6,005 |
| Total risk-based capital ratio | 11.8908% | 5,957 |
| Memoranda: | ||
| Average total assets | $5,429,935,000 | 174 |
| Average earning assets | $4,703,515,800 | 175 |
| Average equity | $857,529,600 | 131 |
| Average total loans | $3,296,883,600 | 188 |