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TierOne 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 | 3.8040% | 7,588 |
| Cost of funding earning assets | 2.0395% | 977 |
| Net interest margin | 1.7645% | 7,785 |
| Noninterest income to average assets | 1.2020% | 840 |
| Noninterest expense to average assets | 3.3907% | 2,261 |
| Loan and lease loss provision to assets | 2.1862% | 491 |
| Net operating income to assets | -2.7513% | 7,600 |
| Return on assets (ROA) | -2.7510% | 7,602 |
| Pretax return on assets | -2.7930% | 7,568 |
| Return on Equity (ROE) | -87.7766% | 7,811 |
| Retained earnings to average equity (ytd only) | -87.7766% | 7,807 |
| Net charge-offs to loans | 2.8579% | 554 |
| Credit loss provision to net charge-offs | 103.3278% | 3,311 |
| Earnings coverage of net charge-offs (x) | -0.2869% | 5,201 |
| Efficiency ratio | 120.3557% | 439 |
| Assets per employee ($millions) | 3.6973% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9819% | 387 |
| Loan loss allowance to noncurrent loans | 18.0067% | 7,107 |
| Noncurrent assets plus other real estate owned to assets | 19.6078% | 57 |
| Noncurrent loans to loans | 22.1136% | 58 |
| Net loans and leases to total assets | 68.2761% | 3,311 |
| Net loans and leases to deposits | 88.2334% | 2,187 |
| Net loans and leases to core deposits | 89.4238% | 3,444 |
| Total domestic deposits to total assets | 77.3813% | 6,477 |
| Equity capital to assets | 2.8179% | 7,857 |
| Core capital (leverage) ratio | 2.6598% | 7,859 |
| Tier 1 risk-based capital ratio | 3.5787% | 7,856 |
| Total risk-based capital ratio | 4.8603% | 7,858 |
| Memoranda: | ||
| Average total assets | $2,851,882,000 | 263 |
| Average earning assets | $2,556,370,000 | 261 |
| Average equity | $89,381,500 | 731 |
| Average total loans | $2,111,326,000 | 238 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6716% | 7,184 |
| Cost of funding earning assets | 2.4442% | 1,177 |
| Net interest margin | 2.2274% | 7,634 |
| Noninterest income to average assets | 0.9882% | 1,617 |
| Noninterest expense to average assets | 3.6576% | 2,012 |
| Loan and lease loss provision to assets | 6.7744% | 72 |
| Net operating income to assets | -6.5484% | 7,864 |
| Return on assets (ROA) | -6.4210% | 7,850 |
| Pretax return on assets | -7.2638% | 7,882 |
| Return on Equity (ROE) | -94.1156% | 7,916 |
| Retained earnings to average equity (ytd only) | -94.1156% | 7,913 |
| Net charge-offs to loans | 7.6823% | 90 |
| Credit loss provision to net charge-offs | 108.3326% | 5,111 |
| Earnings coverage of net charge-offs (x) | -0.1014% | 6,335 |
| Efficiency ratio | 119.6593% | 614 |
| Assets per employee ($millions) | 3.7293% | 4,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5898% | 496 |
| Loan loss allowance to noncurrent loans | 20.8317% | 7,022 |
| Noncurrent assets plus other real estate owned to assets | 16.3660% | 109 |
| Noncurrent loans to loans | 17.2322% | 109 |
| Net loans and leases to total assets | 74.1421% | 2,237 |
| Net loans and leases to deposits | 96.2189% | 1,308 |
| Net loans and leases to core deposits | 109.9089% | 2,901 |
| Total domestic deposits to total assets | 77.0557% | 6,465 |
| Equity capital to assets | 3.4444% | 7,894 |
| Core capital (leverage) ratio | 3.2787% | 7,893 |
| Tier 1 risk-based capital ratio | 4.1313% | 7,904 |
| Total risk-based capital ratio | 5.4089% | 7,906 |
| Memoranda: | ||
| Average total assets | $3,120,315,800 | 239 |
| Average earning assets | $2,851,183,600 | 236 |
| Average equity | $212,880,800 | 336 |
| Average total loans | $2,539,936,000 | 209 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7872% | 7,146 |
| Cost of funding earning assets | 2.5009% | 1,297 |
| Net interest margin | 2.2863% | 7,659 |
| Noninterest income to average assets | 0.9405% | 1,812 |
| Noninterest expense to average assets | 3.4147% | 2,532 |
| Loan and lease loss provision to assets | 7.1888% | 63 |
| Net operating income to assets | -7.5905% | 7,998 |
| Return on assets (ROA) | -7.4011% | 7,992 |
| Pretax return on assets | -7.3766% | 7,977 |
| Return on Equity (ROE) | -97.5518% | 8,006 |
| Retained earnings to average equity (ytd only) | -97.5518% | 8,003 |
| Net charge-offs to loans | 8.2006% | 80 |
| Credit loss provision to net charge-offs | 106.3629% | 4,786 |
| Earnings coverage of net charge-offs (x) | -0.0558% | 6,135 |
| Efficiency ratio | 111.1051% | 748 |
| Assets per employee ($millions) | 3.6725% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0876% | 620 |
| Loan loss allowance to noncurrent loans | 22.4380% | 6,942 |
| Noncurrent assets plus other real estate owned to assets | 13.3143% | 172 |
| Noncurrent loans to loans | 13.7605% | 191 |
| Net loans and leases to total assets | 78.4997% | 1,483 |
| Net loans and leases to deposits | 102.5147% | 886 |
| Net loans and leases to core deposits | 118.0527% | 2,406 |
| Total domestic deposits to total assets | 76.5740% | 6,453 |
| Equity capital to assets | 4.1837% | 7,994 |
| Core capital (leverage) ratio | 4.0008% | 7,987 |
| Tier 1 risk-based capital ratio | 4.8135% | 8,008 |
| Total risk-based capital ratio | 6.0853% | 8,011 |
| Memoranda: | ||
| Average total assets | $3,180,638,000 | 247 |
| Average earning assets | $2,917,463,000 | 242 |
| Average equity | $241,309,750 | 303 |
| Average total loans | $2,621,407,250 | 217 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8667% | 7,102 |
| Cost of funding earning assets | 2.5721% | 1,370 |
| Net interest margin | 2.2946% | 7,683 |
| Noninterest income to average assets | 0.9405% | 1,795 |
| Noninterest expense to average assets | 2.8975% | 4,510 |
| Loan and lease loss provision to assets | 3.1439% | 472 |
| Net operating income to assets | -2.9943% | 7,672 |
| Return on assets (ROA) | -2.7173% | 7,604 |
| Pretax return on assets | -2.7164% | 7,479 |
| Return on Equity (ROE) | -31.5642% | 7,736 |
| Retained earnings to average equity (ytd only) | -31.5642% | 7,712 |
| Net charge-offs to loans | 3.8324% | 380 |
| Credit loss provision to net charge-offs | 99.0246% | 4,648 |
| Earnings coverage of net charge-offs (x) | 0.0474% | 5,629 |
| Efficiency ratio | 93.7694% | 1,515 |
| Assets per employee ($millions) | 3.8479% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4196% | 970 |
| Loan loss allowance to noncurrent loans | 25.6179% | 6,801 |
| Noncurrent assets plus other real estate owned to assets | 9.9079% | 302 |
| Noncurrent loans to loans | 9.4448% | 387 |
| Net loans and leases to total assets | 80.5539% | 1,217 |
| Net loans and leases to deposits | 109.6439% | 569 |
| Net loans and leases to core deposits | 126.0619% | 1,868 |
| Total domestic deposits to total assets | 73.4687% | 7,042 |
| Equity capital to assets | 8.0959% | 6,634 |
| Core capital (leverage) ratio | 7.9456% | 6,426 |
| Tier 1 risk-based capital ratio | 9.3985% | 7,474 |
| Total risk-based capital ratio | 10.6623% | 7,429 |
| Memoranda: | ||
| Average total assets | $3,261,508,000 | 251 |
| Average earning assets | $2,995,667,330 | 246 |
| Average equity | $280,774,000 | 278 |
| Average total loans | $2,701,936,000 | 222 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8754% | 7,229 |
| Cost of funding earning assets | 2.6485% | 1,418 |
| Net interest margin | 2.2268% | 7,772 |
| Noninterest income to average assets | 0.4369% | 4,897 |
| Noninterest expense to average assets | 2.6869% | 5,069 |
| Loan and lease loss provision to assets | 1.4644% | 860 |
| Net operating income to assets | -1.6675% | 7,563 |
| Return on assets (ROA) | -1.1236% | 7,328 |
| Pretax return on assets | -1.1226% | 7,208 |
| Return on Equity (ROE) | -12.6940% | 7,506 |
| Retained earnings to average equity (ytd only) | -12.6940% | 7,303 |
| Net charge-offs to loans | 2.3284% | 626 |
| Credit loss provision to net charge-offs | 75.7914% | 4,258 |
| Earnings coverage of net charge-offs (x) | -0.1046% | 5,080 |
| Efficiency ratio | 106.5801% | 913 |
| Assets per employee ($millions) | 3.9528% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1726% | 1,115 |
| Loan loss allowance to noncurrent loans | 37.1111% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 6.3280% | 602 |
| Noncurrent loans to loans | 5.8544% | 832 |
| Net loans and leases to total assets | 80.2721% | 1,331 |
| Net loans and leases to deposits | 111.7545% | 534 |
| Net loans and leases to core deposits | 130.0473% | 1,656 |
| Total domestic deposits to total assets | 71.8290% | 7,237 |
| Equity capital to assets | 8.6927% | 5,778 |
| Core capital (leverage) ratio | 8.5466% | 5,436 |
| Tier 1 risk-based capital ratio | 10.1787% | 6,737 |
| Total risk-based capital ratio | 11.4396% | 6,638 |
| Memoranda: | ||
| Average total assets | $3,322,322,500 | 252 |
| Average earning assets | $3,055,285,000 | 248 |
| Average equity | $294,059,500 | 266 |
| Average total loans | $2,756,899,500 | 218 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9947% | 5,567 |
| Cost of funding earning assets | 3.0586% | 1,647 |
| Net interest margin | 2.9361% | 7,062 |
| Noninterest income to average assets | 0.9035% | 1,946 |
| Noninterest expense to average assets | 3.8530% | 1,655 |
| Loan and lease loss provision to assets | 2.5425% | 405 |
| Net operating income to assets | -2.3003% | 7,657 |
| Return on assets (ROA) | -2.2416% | 7,615 |
| Pretax return on assets | -2.7423% | 7,650 |
| Return on Equity (ROE) | -24.8485% | 7,861 |
| Retained earnings to average equity (ytd only) | -24.8485% | 7,805 |
| Net charge-offs to loans | 3.1000% | 281 |
| Credit loss provision to net charge-offs | 96.0968% | 5,506 |
| Earnings coverage of net charge-offs (x) | -0.1026% | 6,321 |
| Efficiency ratio | 71.0909% | 4,117 |
| Assets per employee ($millions) | 3.8788% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2718% | 883 |
| Loan loss allowance to noncurrent loans | 44.4541% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 5.4091% | 606 |
| Noncurrent loans to loans | 5.1104% | 847 |
| Net loans and leases to total assets | 82.0043% | 1,233 |
| Net loans and leases to deposits | 115.8206% | 530 |
| Net loans and leases to core deposits | 135.4032% | 1,516 |
| Total domestic deposits to total assets | 70.8029% | 7,190 |
| Equity capital to assets | 9.0099% | 5,355 |
| Core capital (leverage) ratio | 8.8694% | 4,936 |
| Tier 1 risk-based capital ratio | 10.2914% | 6,433 |
| Total risk-based capital ratio | 11.5534% | 6,287 |
| Memoranda: | ||
| Average total assets | $3,335,002,800 | 242 |
| Average earning assets | $3,041,924,800 | 237 |
| Average equity | $300,851,000 | 268 |
| Average total loans | $2,846,312,600 | 209 |