Home > Sun West Bank > Performance and Condition Ratios
Sun West Bank, Performance and Condition Ratios
| 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 | 4.4785% | 6,831 |
| Cost of funding earning assets | 1.7604% | 2,070 |
| Net interest margin | 2.7181% | 7,277 |
| Noninterest income to average assets | 0.1844% | 6,637 |
| Noninterest expense to average assets | 3.6142% | 1,702 |
| Loan and lease loss provision to assets | 4.0789% | 209 |
| Net operating income to assets | -5.0299% | 7,784 |
| Return on assets (ROA) | -5.0299% | 7,788 |
| Pretax return on assets | -5.0299% | 7,766 |
| Return on Equity (ROE) | -266.6667% | 7,899 |
| Retained earnings to average equity (ytd only) | -266.6667% | 7,899 |
| Net charge-offs to loans | 1.5067% | 1,151 |
| Credit loss provision to net charge-offs | 366.5698% | 1,112 |
| Earnings coverage of net charge-offs (x) | -0.8547% | 5,360 |
| Efficiency ratio | 135.7085% | 285 |
| Assets per employee ($millions) | 4.3453% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5446% | 125 |
| Loan loss allowance to noncurrent loans | 25.2421% | 6,718 |
| Noncurrent assets plus other real estate owned to assets | 22.7795% | 38 |
| Noncurrent loans to loans | 21.9657% | 61 |
| Net loans and leases to total assets | 69.1836% | 3,115 |
| Net loans and leases to deposits | 70.4969% | 5,268 |
| Net loans and leases to core deposits | 82.1091% | 4,474 |
| Total domestic deposits to total assets | 98.1370% | 16 |
| Equity capital to assets | 1.2954% | 7,902 |
| Core capital (leverage) ratio | 1.1396% | 7,906 |
| Tier 1 risk-based capital ratio | 1.4751% | 7,908 |
| Total risk-based capital ratio | 2.7738% | 7,908 |
| Memoranda: | ||
| Average total assets | $370,984,500 | 1,852 |
| Average earning assets | $338,327,000 | 1,847 |
| Average equity | $6,997,500 | 6,189 |
| Average total loans | $273,978,000 | 1,712 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1915% | 5,686 |
| Cost of funding earning assets | 1.9624% | 3,138 |
| Net interest margin | 3.2290% | 5,997 |
| Noninterest income to average assets | -0.2978% | 7,895 |
| Noninterest expense to average assets | 3.1588% | 3,515 |
| Loan and lease loss provision to assets | 7.4908% | 55 |
| Net operating income to assets | -7.8772% | 7,927 |
| Return on assets (ROA) | -7.9011% | 7,922 |
| Pretax return on assets | -7.9011% | 7,909 |
| Return on Equity (ROE) | -116.8553% | 7,963 |
| Retained earnings to average equity (ytd only) | -118.2906% | 7,963 |
| Net charge-offs to loans | 8.1367% | 77 |
| Credit loss provision to net charge-offs | 112.4127% | 4,882 |
| Earnings coverage of net charge-offs (x) | -0.0580% | 6,281 |
| Efficiency ratio | 113.9405% | 711 |
| Assets per employee ($millions) | 4.4860% | 2,951 |
| Cash dividends to net income (ytd only)* | -1.2283% | 7,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1918% | 318 |
| Loan loss allowance to noncurrent loans | 22.3043% | 6,946 |
| Noncurrent assets plus other real estate owned to assets | 18.5276% | 73 |
| Noncurrent loans to loans | 18.7938% | 84 |
| Net loans and leases to total assets | 71.3058% | 2,924 |
| Net loans and leases to deposits | 73.5232% | 5,116 |
| Net loans and leases to core deposits | 90.6646% | 5,057 |
| Total domestic deposits to total assets | 96.9841% | 21 |
| Equity capital to assets | 2.4450% | 7,943 |
| Core capital (leverage) ratio | 2.3075% | 7,943 |
| Tier 1 risk-based capital ratio | 2.9053% | 7,949 |
| Total risk-based capital ratio | 4.1880% | 7,950 |
| Memoranda: | ||
| Average total assets | $405,979,600 | 1,691 |
| Average earning assets | $385,997,400 | 1,630 |
| Average equity | $27,450,200 | 2,417 |
| Average total loans | $332,479,200 | 1,451 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4673% | 4,589 |
| Cost of funding earning assets | 1.9953% | 3,382 |
| Net interest margin | 3.4720% | 4,985 |
| Noninterest income to average assets | 0.1239% | 7,269 |
| Noninterest expense to average assets | 3.0593% | 3,807 |
| Loan and lease loss provision to assets | 8.4249% | 34 |
| Net operating income to assets | -8.0335% | 8,012 |
| Return on assets (ROA) | -8.0561% | 8,013 |
| Pretax return on assets | -8.0561% | 8,000 |
| Return on Equity (ROE) | -103.8183% | 8,019 |
| Retained earnings to average equity (ytd only) | -105.4609% | 8,018 |
| Net charge-offs to loans | 6.4168% | 126 |
| Credit loss provision to net charge-offs | 157.0085% | 3,037 |
| Earnings coverage of net charge-offs (x) | 0.0729% | 5,972 |
| Efficiency ratio | 88.6566% | 1,807 |
| Assets per employee ($millions) | 4.5830% | 2,723 |
| Cash dividends to net income (ytd only)* | -1.5821% | 7,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6823% | 93 |
| Loan loss allowance to noncurrent loans | 33.3352% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 16.4904% | 90 |
| Noncurrent loans to loans | 17.0460% | 100 |
| Net loans and leases to total assets | 76.6693% | 1,854 |
| Net loans and leases to deposits | 80.4838% | 4,302 |
| Net loans and leases to core deposits | 98.2500% | 4,575 |
| Total domestic deposits to total assets | 95.2605% | 32 |
| Equity capital to assets | 4.2569% | 7,990 |
| Core capital (leverage) ratio | 3.9702% | 7,988 |
| Tier 1 risk-based capital ratio | 4.8711% | 8,004 |
| Total risk-based capital ratio | 6.1728% | 8,006 |
| Memoranda: | ||
| Average total assets | $412,147,750 | 1,694 |
| Average earning assets | $394,922,250 | 1,623 |
| Average equity | $31,982,000 | 2,110 |
| Average total loans | $344,651,500 | 1,419 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4938% | 4,670 |
| Cost of funding earning assets | 2.0169% | 3,694 |
| Net interest margin | 3.4769% | 4,910 |
| Noninterest income to average assets | 0.2640% | 6,382 |
| Noninterest expense to average assets | 3.0824% | 3,768 |
| Loan and lease loss provision to assets | 6.4278% | 120 |
| Net operating income to assets | -5.8993% | 7,995 |
| Return on assets (ROA) | -5.9193% | 7,985 |
| Pretax return on assets | -5.9193% | 7,943 |
| Return on Equity (ROE) | -66.9325% | 8,008 |
| Retained earnings to average equity (ytd only) | -69.0556% | 8,009 |
| Net charge-offs to loans | 4.4788% | 289 |
| Credit loss provision to net charge-offs | 170.1526% | 2,706 |
| Earnings coverage of net charge-offs (x) | 0.1399% | 5,529 |
| Efficiency ratio | 85.3636% | 2,313 |
| Assets per employee ($millions) | 4.6918% | 2,473 |
| Cash dividends to net income (ytd only)* | -3.1720% | 7,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1806% | 227 |
| Loan loss allowance to noncurrent loans | 32.7442% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 11.1315% | 226 |
| Noncurrent loans to loans | 12.7673% | 190 |
| Net loans and leases to total assets | 79.1683% | 1,486 |
| Net loans and leases to deposits | 85.5377% | 3,641 |
| Net loans and leases to core deposits | 101.6467% | 4,320 |
| Total domestic deposits to total assets | 92.5536% | 140 |
| Equity capital to assets | 7.0179% | 7,610 |
| Core capital (leverage) ratio | 6.6125% | 7,739 |
| Tier 1 risk-based capital ratio | 7.9968% | 7,914 |
| Total risk-based capital ratio | 9.2807% | 7,929 |
| Memoranda: | ||
| Average total assets | $419,677,330 | 1,687 |
| Average earning assets | $403,982,330 | 1,605 |
| Average equity | $37,115,000 | 1,840 |
| Average total loans | $353,980,000 | 1,411 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5884% | 4,427 |
| Cost of funding earning assets | 2.1272% | 3,525 |
| Net interest margin | 3.4613% | 4,892 |
| Noninterest income to average assets | 0.2557% | 6,410 |
| Noninterest expense to average assets | 3.0003% | 3,765 |
| Loan and lease loss provision to assets | 1.0343% | 1,268 |
| Net operating income to assets | -0.4466% | 6,824 |
| Return on assets (ROA) | -0.4457% | 6,888 |
| Pretax return on assets | -0.4457% | 6,779 |
| Return on Equity (ROE) | -4.5853% | 6,947 |
| Retained earnings to average equity (ytd only) | -4.5853% | 6,500 |
| Net charge-offs to loans | 0.6778% | 1,825 |
| Credit loss provision to net charge-offs | 179.1531% | 2,425 |
| Earnings coverage of net charge-offs (x) | 1.0179% | 4,261 |
| Efficiency ratio | 83.6216% | 2,343 |
| Assets per employee ($millions) | 4.8967% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5405% | 731 |
| Loan loss allowance to noncurrent loans | 19.4211% | 7,199 |
| Noncurrent assets plus other real estate owned to assets | 11.3257% | 165 |
| Noncurrent loans to loans | 13.0814% | 146 |
| Net loans and leases to total assets | 80.3365% | 1,324 |
| Net loans and leases to deposits | 89.1691% | 3,078 |
| Net loans and leases to core deposits | 105.1526% | 4,013 |
| Total domestic deposits to total assets | 90.0946% | 755 |
| Equity capital to assets | 9.4916% | 4,677 |
| Core capital (leverage) ratio | 9.5158% | 3,958 |
| Tier 1 risk-based capital ratio | 10.5790% | 6,308 |
| Total risk-based capital ratio | 11.8431% | 6,221 |
| Memoranda: | ||
| Average total assets | $425,423,500 | 1,676 |
| Average earning assets | $409,561,000 | 1,589 |
| Average equity | $41,349,500 | 1,646 |
| Average total loans | $362,344,000 | 1,392 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8876% | 1,432 |
| Cost of funding earning assets | 2.7299% | 3,021 |
| Net interest margin | 4.1577% | 2,472 |
| Noninterest income to average assets | 0.3161% | 6,190 |
| Noninterest expense to average assets | 2.6955% | 5,287 |
| Loan and lease loss provision to assets | 1.5659% | 849 |
| Net operating income to assets | 0.0586% | 6,210 |
| Return on assets (ROA) | -0.8725% | 7,088 |
| Pretax return on assets | -0.8725% | 6,923 |
| Return on Equity (ROE) | -8.2820% | 7,140 |
| Retained earnings to average equity (ytd only) | -13.7104% | 7,387 |
| Net charge-offs to loans | 0.6481% | 1,910 |
| Credit loss provision to net charge-offs | 287.3036% | 1,579 |
| Earnings coverage of net charge-offs (x) | 2.9805% | 4,599 |
| Efficiency ratio | 62.3969% | 5,880 |
| Assets per employee ($millions) | 4.8269% | 2,145 |
| Cash dividends to net income (ytd only)* | -65.5438% | 8,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3108% | 845 |
| Loan loss allowance to noncurrent loans | 33.8005% | 6,474 |
| Noncurrent assets plus other real estate owned to assets | 6.4321% | 438 |
| Noncurrent loans to loans | 6.8365% | 455 |
| Net loans and leases to total assets | 85.9528% | 608 |
| Net loans and leases to deposits | 95.9366% | 2,463 |
| Net loans and leases to core deposits | 109.1459% | 3,850 |
| Total domestic deposits to total assets | 89.5933% | 813 |
| Equity capital to assets | 9.9535% | 4,094 |
| Core capital (leverage) ratio | 9.4694% | 4,053 |
| Tier 1 risk-based capital ratio | 10.5436% | 6,163 |
| Total risk-based capital ratio | 11.8052% | 6,054 |
| Memoranda: | ||
| Average total assets | $432,089,800 | 1,582 |
| Average earning assets | $416,096,400 | 1,503 |
| Average equity | $45,520,200 | 1,490 |
| Average total loans | $363,363,200 | 1,334 |