Home > BBVA Bancomer USA > Performance and Condition Ratios
BBVA Bancomer USA, Performance and Condition Ratios
| 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 | 4.4126% | 7,702 |
| Cost of funding earning assets | 0.6479% | 7,960 |
| Net interest margin | 3.7647% | 3,698 |
| Noninterest income to average assets | 4.0833% | 163 |
| Noninterest expense to average assets | 16.0154% | 65 |
| Loan and lease loss provision to assets | 0.3234% | 4,006 |
| Net operating income to assets | -5.9575% | 8,000 |
| Return on assets (ROA) | -5.9575% | 7,989 |
| Pretax return on assets | -9.1654% | 8,080 |
| Return on Equity (ROE) | -79.0075% | 8,037 |
| Retained earnings to average equity (ytd only) | -79.0075% | 8,036 |
| Net charge-offs to loans | 0.1377% | 4,792 |
| Credit loss provision to net charge-offs | 368.8525% | 1,263 |
| Earnings coverage of net charge-offs (x) | -100.8525% | 6,614 |
| Efficiency ratio | 223.2619% | 150 |
| Assets per employee ($millions) | 0.8496% | 8,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3450% | 1,051 |
| Loan loss allowance to noncurrent loans | 173.7143% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 1.4979% | 3,986 |
| Noncurrent loans to loans | 1.3499% | 4,514 |
| Net loans and leases to total assets | 63.6058% | 5,061 |
| Net loans and leases to deposits | 71.7106% | 5,777 |
| Net loans and leases to core deposits | 76.4045% | 6,647 |
| Total domestic deposits to total assets | 88.6978% | 1,436 |
| Equity capital to assets | 7.0360% | 7,596 |
| Core capital (leverage) ratio | 6.7084% | 7,698 |
| Tier 1 risk-based capital ratio | 9.8477% | 7,085 |
| Total risk-based capital ratio | 11.1091% | 7,008 |
| Memoranda: | ||
| Average total assets | $139,153,330 | 4,188 |
| Average earning assets | $114,218,670 | 4,510 |
| Average equity | $10,492,670 | 5,216 |
| Average total loans | $88,617,000 | 4,313 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 7,832 |
| Cost of funding earning assets | 0.6816% | 8,001 |
| Net interest margin | 3.6547% | 4,080 |
| Noninterest income to average assets | 4.2713% | 156 |
| Noninterest expense to average assets | 16.5906% | 64 |
| Loan and lease loss provision to assets | 0.2157% | 4,290 |
| Net operating income to assets | -6.1985% | 8,101 |
| Return on assets (ROA) | -6.1985% | 8,091 |
| Pretax return on assets | -9.5120% | 8,145 |
| Return on Equity (ROE) | -79.5386% | 8,118 |
| Retained earnings to average equity (ytd only) | -79.5386% | 8,109 |
| Net charge-offs to loans | 0.1325% | 3,899 |
| Credit loss provision to net charge-offs | 258.6207% | 1,823 |
| Earnings coverage of net charge-offs (x) | -111.4483% | 5,709 |
| Efficiency ratio | 227.4448% | 148 |
| Assets per employee ($millions) | 0.9397% | 8,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2667% | 989 |
| Loan loss allowance to noncurrent loans | 164.2157% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 1.4050% | 3,840 |
| Noncurrent loans to loans | 1.3803% | 4,243 |
| Net loans and leases to total assets | 58.3732% | 5,883 |
| Net loans and leases to deposits | 65.9421% | 6,380 |
| Net loans and leases to core deposits | 70.3181% | 7,001 |
| Total domestic deposits to total assets | 88.5220% | 1,477 |
| Equity capital to assets | 7.9412% | 6,897 |
| Core capital (leverage) ratio | 8.3838% | 5,745 |
| Tier 1 risk-based capital ratio | 11.8183% | 5,104 |
| Total risk-based capital ratio | 13.0780% | 5,006 |
| Memoranda: | ||
| Average total assets | $139,066,500 | 4,206 |
| Average earning assets | $115,030,000 | 4,500 |
| Average equity | $10,837,500 | 5,149 |
| Average total loans | $87,551,500 | 4,373 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8589% | 7,920 |
| Cost of funding earning assets | 1.1025% | 8,005 |
| Net interest margin | 3.7564% | 4,196 |
| Noninterest income to average assets | 4.6486% | 136 |
| Noninterest expense to average assets | 21.3184% | 52 |
| Loan and lease loss provision to assets | 1.3354% | 1,061 |
| Net operating income to assets | -9.5848% | 8,255 |
| Return on assets (ROA) | -9.5501% | 8,251 |
| Pretax return on assets | -14.9583% | 8,284 |
| Return on Equity (ROE) | -85.8395% | 8,258 |
| Retained earnings to average equity (ytd only) | -85.8395% | 8,254 |
| Net charge-offs to loans | 2.9978% | 298 |
| Credit loss provision to net charge-offs | 101.9830% | 5,222 |
| Earnings coverage of net charge-offs (x) | -10.4453% | 6,900 |
| Efficiency ratio | 278.9903% | 119 |
| Assets per employee ($millions) | 0.7859% | 8,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2713% | 884 |
| Loan loss allowance to noncurrent loans | 106.1081% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.5039% | 3,211 |
| Noncurrent loans to loans | 2.1405% | 2,580 |
| Net loans and leases to total assets | 65.1404% | 5,025 |
| Net loans and leases to deposits | 73.4242% | 5,902 |
| Net loans and leases to core deposits | 78.4255% | 6,726 |
| Total domestic deposits to total assets | 88.7179% | 1,142 |
| Equity capital to assets | 7.6234% | 7,284 |
| Core capital (leverage) ratio | 6.7103% | 7,856 |
| Tier 1 risk-based capital ratio | 10.7038% | 5,999 |
| Total risk-based capital ratio | 11.9644% | 5,897 |
| Memoranda: | ||
| Average total assets | $134,794,400 | 4,189 |
| Average earning assets | $107,389,800 | 4,583 |
| Average equity | $14,996,600 | 4,144 |
| Average total loans | $58,876,600 | 5,324 |