Home > Towne Bank of Arizona > Performance and Condition Ratios
Towne Bank of Arizona, 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 | 4.6637% | 6,365 |
| Cost of funding earning assets | 2.4947% | 227 |
| Net interest margin | 2.1690% | 7,663 |
| Noninterest income to average assets | -7.2134% | 7,934 |
| Noninterest expense to average assets | 4.0135% | 1,013 |
| Loan and lease loss provision to assets | 11.7177% | 17 |
| Net operating income to assets | -21.2463% | 7,930 |
| Return on assets (ROA) | -21.2463% | 7,929 |
| Pretax return on assets | -21.2463% | 7,929 |
| Return on Equity (ROE) | -696.3884% | 7,922 |
| Retained earnings to average equity (ytd only) | -696.3884% | 7,922 |
| Net charge-offs to loans | 6.3843% | 162 |
| Credit loss provision to net charge-offs | 289.3939% | 1,361 |
| Earnings coverage of net charge-offs (x) | -2.3533% | 5,491 |
| Efficiency ratio | -72.7752% | 7,923 |
| Assets per employee ($millions) | 5.0103% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8895% | 32 |
| Loan loss allowance to noncurrent loans | 79.8305% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 26.6196% | 17 |
| Noncurrent loans to loans | 11.1354% | 347 |
| Net loans and leases to total assets | 57.8240% | 5,471 |
| Net loans and leases to deposits | 61.3998% | 6,332 |
| Net loans and leases to core deposits | 85.7825% | 3,933 |
| Total domestic deposits to total assets | 94.1761% | 68 |
| Equity capital to assets | 0.3984% | 7,915 |
| Core capital (leverage) ratio | 0.2865% | 7,916 |
| Tier 1 risk-based capital ratio | 0.3656% | 7,916 |
| Total risk-based capital ratio | 0.7313% | 7,916 |
| Memoranda: | ||
| Average total assets | $123,880,500 | 4,542 |
| Average earning assets | $97,004,000 | 4,951 |
| Average equity | $3,779,500 | 7,258 |
| Average total loans | $78,568,000 | 4,559 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0070% | 6,409 |
| Cost of funding earning assets | 3.1027% | 170 |
| Net interest margin | 1.9044% | 7,781 |
| Noninterest income to average assets | -3.4690% | 8,008 |
| Noninterest expense to average assets | 4.9039% | 564 |
| Loan and lease loss provision to assets | 6.6186% | 80 |
| Net operating income to assets | -13.4032% | 7,993 |
| Return on assets (ROA) | -13.4032% | 7,994 |
| Pretax return on assets | -13.4032% | 7,992 |
| Return on Equity (ROE) | -116.8322% | 7,962 |
| Retained earnings to average equity (ytd only) | -116.8322% | 7,962 |
| Net charge-offs to loans | 13.1102% | 18 |
| Credit loss provision to net charge-offs | 67.2311% | 6,542 |
| Earnings coverage of net charge-offs (x) | -0.6892% | 6,801 |
| Efficiency ratio | -260.7575% | 8,006 |
| Assets per employee ($millions) | 5.1006% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4577% | 132 |
| Loan loss allowance to noncurrent loans | 41.4607% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 28.3582% | 14 |
| Noncurrent loans to loans | 13.1637% | 231 |
| Net loans and leases to total assets | 59.9224% | 5,351 |
| Net loans and leases to deposits | 67.2369% | 5,916 |
| Net loans and leases to core deposits | 302.5300% | 34 |
| Total domestic deposits to total assets | 89.1213% | 1,425 |
| Equity capital to assets | 5.5523% | 7,729 |
| Core capital (leverage) ratio | 5.2896% | 7,735 |
| Tier 1 risk-based capital ratio | 6.3224% | 7,800 |
| Total risk-based capital ratio | 7.6071% | 7,802 |
| Memoranda: | ||
| Average total assets | $136,176,600 | 4,210 |
| Average earning assets | $113,580,000 | 4,457 |
| Average equity | $15,622,400 | 3,943 |
| Average total loans | $102,256,200 | 3,887 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1228% | 6,195 |
| Cost of funding earning assets | 3.1951% | 191 |
| Net interest margin | 1.9278% | 7,841 |
| Noninterest income to average assets | -3.3848% | 8,093 |
| Noninterest expense to average assets | 4.7581% | 584 |
| Loan and lease loss provision to assets | 7.3729% | 59 |
| Net operating income to assets | -13.8841% | 8,072 |
| Return on assets (ROA) | -13.8841% | 8,072 |
| Pretax return on assets | -13.8841% | 8,073 |
| Return on Equity (ROE) | -108.1626% | 8,025 |
| Retained earnings to average equity (ytd only) | -108.1626% | 8,023 |
| Net charge-offs to loans | 14.8724% | 17 |
| Credit loss provision to net charge-offs | 63.7288% | 6,109 |
| Earnings coverage of net charge-offs (x) | -0.5628% | 6,496 |
| Efficiency ratio | -271.4129% | 8,092 |
| Assets per employee ($millions) | 4.6936% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1397% | 126 |
| Loan loss allowance to noncurrent loans | 29.7155% | 6,481 |
| Noncurrent assets plus other real estate owned to assets | 31.6199% | 6 |
| Noncurrent loans to loans | 17.2963% | 96 |
| Net loans and leases to total assets | 64.7952% | 4,698 |
| Net loans and leases to deposits | 75.2999% | 5,160 |
| Net loans and leases to core deposits | 286.0283% | 38 |
| Total domestic deposits to total assets | 86.0495% | 2,685 |
| Equity capital to assets | 8.6461% | 6,041 |
| Core capital (leverage) ratio | 8.1656% | 6,077 |
| Tier 1 risk-based capital ratio | 9.3422% | 7,474 |
| Total risk-based capital ratio | 10.6274% | 7,424 |
| Memoranda: | ||
| Average total assets | $138,342,000 | 4,176 |
| Average earning assets | $117,093,500 | 4,405 |
| Average equity | $17,758,000 | 3,568 |
| Average total loans | $107,615,000 | 3,783 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7164% | 7,367 |
| Cost of funding earning assets | 3.1486% | 305 |
| Net interest margin | 1.5678% | 8,001 |
| Noninterest income to average assets | -4.3737% | 8,192 |
| Noninterest expense to average assets | 4.3793% | 867 |
| Loan and lease loss provision to assets | 10.3689% | 28 |
| Net operating income to assets | -17.7592% | 8,167 |
| Return on assets (ROA) | -17.7592% | 8,165 |
| Pretax return on assets | -17.7592% | 8,164 |
| Return on Equity (ROE) | -126.1223% | 8,108 |
| Retained earnings to average equity (ytd only) | -126.1223% | 8,107 |
| Net charge-offs to loans | 19.1534% | 12 |
| Credit loss provision to net charge-offs | 67.1616% | 5,471 |
| Earnings coverage of net charge-offs (x) | -0.4787% | 6,063 |
| Efficiency ratio | -145.4461% | 8,181 |
| Assets per employee ($millions) | 4.5791% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2380% | 109 |
| Loan loss allowance to noncurrent loans | 18.7511% | 7,198 |
| Noncurrent assets plus other real estate owned to assets | 34.3238% | 10 |
| Noncurrent loans to loans | 27.9341% | 19 |
| Net loans and leases to total assets | 70.8157% | 3,511 |
| Net loans and leases to deposits | 82.9897% | 4,042 |
| Net loans and leases to core deposits | 312.4738% | 37 |
| Total domestic deposits to total assets | 85.3307% | 3,095 |
| Equity capital to assets | 9.6066% | 4,480 |
| Core capital (leverage) ratio | 8.6642% | 5,156 |
| Tier 1 risk-based capital ratio | 10.4188% | 6,456 |
| Total risk-based capital ratio | 11.7097% | 6,363 |
| Memoranda: | ||
| Average total assets | $142,213,670 | 4,134 |
| Average earning assets | $123,611,000 | 4,278 |
| Average equity | $20,025,000 | 3,238 |
| Average total loans | $114,632,670 | 3,655 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0914% | 6,672 |
| Cost of funding earning assets | 3.1367% | 411 |
| Net interest margin | 1.9547% | 7,915 |
| Noninterest income to average assets | -1.3368% | 8,224 |
| Noninterest expense to average assets | 4.1001% | 1,063 |
| Loan and lease loss provision to assets | 5.3715% | 147 |
| Net operating income to assets | -9.0796% | 8,164 |
| Return on assets (ROA) | -9.0796% | 8,154 |
| Pretax return on assets | -9.0796% | 8,139 |
| Return on Equity (ROE) | -56.3845% | 8,071 |
| Retained earnings to average equity (ytd only) | -56.3845% | 8,053 |
| Net charge-offs to loans | 1.2098% | 1,155 |
| Credit loss provision to net charge-offs | 533.2432% | 1,037 |
| Earnings coverage of net charge-offs (x) | -3.6811% | 5,533 |
| Efficiency ratio | 1,045.8333% | 18 |
| Assets per employee ($millions) | 4.4684% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5246% | 24 |
| Loan loss allowance to noncurrent loans | 31.9762% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 31.1830% | 10 |
| Noncurrent loans to loans | 26.6593% | 19 |
| Net loans and leases to total assets | 78.0933% | 1,804 |
| Net loans and leases to deposits | 97.7425% | 1,704 |
| Net loans and leases to core deposits | 356.5262% | 31 |
| Total domestic deposits to total assets | 79.8969% | 5,404 |
| Equity capital to assets | 15.3978% | 987 |
| Core capital (leverage) ratio | 14.2562% | 1,140 |
| Tier 1 risk-based capital ratio | 16.4785% | 2,519 |
| Total risk-based capital ratio | 17.8127% | 2,421 |
| Memoranda: | ||
| Average total assets | $146,923,500 | 4,058 |
| Average earning assets | $129,944,000 | 4,157 |
| Average equity | $23,659,000 | 2,805 |
| Average total loans | $122,330,500 | 3,509 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7418% | 1,898 |
| Cost of funding earning assets | 3.5974% | 395 |
| Net interest margin | 3.1445% | 6,537 |
| Noninterest income to average assets | -0.0639% | 8,187 |
| Noninterest expense to average assets | 3.7912% | 1,769 |
| Loan and lease loss provision to assets | 5.5695% | 75 |
| Net operating income to assets | -6.4790% | 8,174 |
| Return on assets (ROA) | -6.4790% | 8,168 |
| Pretax return on assets | -6.4650% | 8,132 |
| Return on Equity (ROE) | -33.0931% | 8,003 |
| Retained earnings to average equity (ytd only) | -33.2117% | 7,962 |
| Net charge-offs to loans | 3.6038% | 214 |
| Credit loss provision to net charge-offs | 181.3197% | 2,770 |
| Earnings coverage of net charge-offs (x) | -0.2915% | 6,412 |
| Efficiency ratio | 130.9266% | 458 |
| Assets per employee ($millions) | 4.8664% | 2,089 |
| Cash dividends to net income (ytd only)* | -0.3586% | 7,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1522% | 30 |
| Loan loss allowance to noncurrent loans | 31.7279% | 6,613 |
| Noncurrent assets plus other real estate owned to assets | 26.4287% | 14 |
| Noncurrent loans to loans | 22.5424% | 28 |
| Net loans and leases to total assets | 75.4499% | 2,771 |
| Net loans and leases to deposits | 95.9786% | 2,455 |
| Net loans and leases to core deposits | 329.4824% | 40 |
| Total domestic deposits to total assets | 78.6112% | 5,511 |
| Equity capital to assets | 16.7713% | 802 |
| Core capital (leverage) ratio | 15.6763% | 886 |
| Tier 1 risk-based capital ratio | 18.3947% | 1,940 |
| Total risk-based capital ratio | 19.7108% | 1,872 |
| Memoranda: | ||
| Average total assets | $172,188,000 | 3,513 |
| Average earning assets | $162,062,400 | 3,435 |
| Average equity | $33,711,000 | 2,009 |
| Average total loans | $146,762,200 | 2,983 |