Home > NewAlliance Bank > Performance and Condition Ratios
NewAlliance Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3496% | 5,855 |
| Cost of funding earning assets | 1.2994% | 2,177 |
| Net interest margin | 3.0501% | 6,458 |
| Noninterest income to average assets | 0.5150% | 3,766 |
| Noninterest expense to average assets | 1.9398% | 6,922 |
| Loan and lease loss provision to assets | 0.0798% | 5,011 |
| Net operating income to assets | 0.7790% | 3,126 |
| Return on assets (ROA) | 0.7790% | 3,198 |
| Pretax return on assets | 1.1931% | 2,395 |
| Return on Equity (ROE) | 5.3672% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.3672% | 2,964 |
| Net charge-offs to loans | 0.1348% | 3,708 |
| Credit loss provision to net charge-offs | 103.4483% | 2,563 |
| Earnings coverage of net charge-offs (x) | 16.5080% | 1,262 |
| Efficiency ratio | 57.6863% | 6,303 |
| Assets per employee ($millions) | 8.2646% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 6,177 |
| Loan loss allowance to noncurrent loans | 73.0377% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 0.8888% | 5,127 |
| Noncurrent loans to loans | 1.4579% | 4,283 |
| Net loans and leases to total assets | 56.8615% | 4,831 |
| Net loans and leases to deposits | 93.9734% | 828 |
| Net loans and leases to core deposits | 96.6404% | 1,623 |
| Total domestic deposits to total assets | 60.5081% | 7,429 |
| Equity capital to assets | 14.5850% | 859 |
| Core capital (leverage) ratio | 8.9676% | 4,663 |
| Tier 1 risk-based capital ratio | 15.9765% | 2,909 |
| Total risk-based capital ratio | 17.1399% | 2,931 |
| Memoranda: | ||
| Average total assets | $9,026,856,500 | 121 |
| Average earning assets | $7,983,626,000 | 118 |
| Average equity | $1,310,183,500 | 103 |
| Average total loans | $5,163,103,500 | 124 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6206% | 6,053 |
| Cost of funding earning assets | 1.5396% | 2,409 |
| Net interest margin | 3.0810% | 6,569 |
| Noninterest income to average assets | 0.6408% | 3,206 |
| Noninterest expense to average assets | 1.9170% | 7,132 |
| Loan and lease loss provision to assets | 0.1956% | 5,276 |
| Net operating income to assets | 0.7861% | 2,864 |
| Return on assets (ROA) | 0.7946% | 2,965 |
| Pretax return on assets | 1.2462% | 2,084 |
| Return on Equity (ROE) | 5.1661% | 3,999 |
| Retained earnings to average equity (ytd only) | -0.2113% | 5,648 |
| Net charge-offs to loans | 0.2877% | 4,581 |
| Credit loss provision to net charge-offs | 119.3820% | 3,552 |
| Earnings coverage of net charge-offs (x) | 8.7198% | 1,931 |
| Efficiency ratio | 54.6158% | 6,750 |
| Assets per employee ($millions) | 8.2530% | 438 |
| Cash dividends to net income (ytd only)* | 104.0898% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 6,043 |
| Loan loss allowance to noncurrent loans | 73.7457% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.8934% | 5,230 |
| Noncurrent loans to loans | 1.4584% | 4,297 |
| Net loans and leases to total assets | 56.3082% | 5,294 |
| Net loans and leases to deposits | 93.6725% | 1,090 |
| Net loans and leases to core deposits | 96.3337% | 1,967 |
| Total domestic deposits to total assets | 60.1118% | 7,506 |
| Equity capital to assets | 14.4435% | 915 |
| Core capital (leverage) ratio | 8.8387% | 4,793 |
| Tier 1 risk-based capital ratio | 15.9027% | 2,793 |
| Total risk-based capital ratio | 17.0900% | 2,784 |
| Memoranda: | ||
| Average total assets | $8,692,529,400 | 123 |
| Average earning assets | $7,630,861,000 | 125 |
| Average equity | $1,337,069,200 | 95 |
| Average total loans | $4,950,105,400 | 125 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6651% | 6,140 |
| Cost of funding earning assets | 1.5884% | 2,454 |
| Net interest margin | 3.0767% | 6,666 |
| Noninterest income to average assets | 0.6556% | 3,093 |
| Noninterest expense to average assets | 1.9478% | 7,140 |
| Loan and lease loss provision to assets | 0.2214% | 4,844 |
| Net operating income to assets | 0.7960% | 3,018 |
| Return on assets (ROA) | 0.8024% | 3,146 |
| Pretax return on assets | 1.1917% | 2,518 |
| Return on Equity (ROE) | 5.1347% | 4,225 |
| Retained earnings to average equity (ytd only) | 5.1347% | 2,887 |
| Net charge-offs to loans | 0.3312% | 4,005 |
| Credit loss provision to net charge-offs | 117.3959% | 3,535 |
| Earnings coverage of net charge-offs (x) | 7.4414% | 2,331 |
| Efficiency ratio | 55.4134% | 6,633 |
| Assets per employee ($millions) | 8.0975% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 6,065 |
| Loan loss allowance to noncurrent loans | 79.9221% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.8332% | 5,430 |
| Noncurrent loans to loans | 1.3402% | 4,621 |
| Net loans and leases to total assets | 57.1696% | 5,385 |
| Net loans and leases to deposits | 95.7897% | 1,006 |
| Net loans and leases to core deposits | 98.4734% | 2,000 |
| Total domestic deposits to total assets | 59.6825% | 7,599 |
| Equity capital to assets | 15.6466% | 739 |
| Core capital (leverage) ratio | 9.6698% | 3,661 |
| Tier 1 risk-based capital ratio | 17.2638% | 2,256 |
| Total risk-based capital ratio | 18.4529% | 2,240 |
| Memoranda: | ||
| Average total assets | $8,610,533,000 | 124 |
| Average earning assets | $7,544,570,000 | 125 |
| Average equity | $1,345,617,250 | 92 |
| Average total loans | $4,904,003,500 | 125 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6870% | 6,183 |
| Cost of funding earning assets | 1.6497% | 2,390 |
| Net interest margin | 3.0373% | 6,752 |
| Noninterest income to average assets | 0.6868% | 2,775 |
| Noninterest expense to average assets | 1.8539% | 7,325 |
| Loan and lease loss provision to assets | 0.2412% | 4,501 |
| Net operating income to assets | 0.8420% | 2,765 |
| Return on assets (ROA) | 0.8451% | 2,906 |
| Pretax return on assets | 1.2525% | 2,250 |
| Return on Equity (ROE) | 5.4100% | 4,089 |
| Retained earnings to average equity (ytd only) | 5.4100% | 2,670 |
| Net charge-offs to loans | 0.3231% | 3,708 |
| Credit loss provision to net charge-offs | 131.7472% | 3,056 |
| Earnings coverage of net charge-offs (x) | 8.1340% | 2,183 |
| Efficiency ratio | 52.7206% | 7,007 |
| Assets per employee ($millions) | 7.9863% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 5,888 |
| Loan loss allowance to noncurrent loans | 80.4501% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.8392% | 5,438 |
| Noncurrent loans to loans | 1.3820% | 4,632 |
| Net loans and leases to total assets | 56.1374% | 5,682 |
| Net loans and leases to deposits | 92.7148% | 1,431 |
| Net loans and leases to core deposits | 97.1515% | 2,313 |
| Total domestic deposits to total assets | 60.5485% | 7,651 |
| Equity capital to assets | 15.6763% | 728 |
| Core capital (leverage) ratio | 9.6820% | 3,564 |
| Tier 1 risk-based capital ratio | 17.3133% | 2,161 |
| Total risk-based capital ratio | 18.5427% | 2,137 |
| Memoranda: | ||
| Average total assets | $8,541,310,670 | 124 |
| Average earning assets | $7,469,365,000 | 126 |
| Average equity | $1,334,239,000 | 91 |
| Average total loans | $4,840,032,670 | 125 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7557% | 6,049 |
| Cost of funding earning assets | 1.7378% | 2,195 |
| Net interest margin | 3.0180% | 6,788 |
| Noninterest income to average assets | 0.6709% | 2,804 |
| Noninterest expense to average assets | 1.8237% | 7,442 |
| Loan and lease loss provision to assets | 0.2270% | 4,225 |
| Net operating income to assets | 0.8593% | 2,711 |
| Return on assets (ROA) | 0.8593% | 2,803 |
| Pretax return on assets | 1.2515% | 2,203 |
| Return on Equity (ROE) | 5.5110% | 4,096 |
| Retained earnings to average equity (ytd only) | 5.5110% | 2,860 |
| Net charge-offs to loans | 0.2588% | 3,381 |
| Credit loss provision to net charge-offs | 154.8887% | 2,310 |
| Earnings coverage of net charge-offs (x) | 10.0894% | 1,783 |
| Efficiency ratio | 52.4314% | 7,111 |
| Assets per employee ($millions) | 7.8794% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 5,875 |
| Loan loss allowance to noncurrent loans | 82.0393% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.8419% | 5,470 |
| Noncurrent loans to loans | 1.3750% | 4,675 |
| Net loans and leases to total assets | 55.8921% | 5,757 |
| Net loans and leases to deposits | 91.1622% | 1,734 |
| Net loans and leases to core deposits | 92.8673% | 2,996 |
| Total domestic deposits to total assets | 61.3107% | 7,732 |
| Equity capital to assets | 15.6137% | 742 |
| Core capital (leverage) ratio | 9.6209% | 3,619 |
| Tier 1 risk-based capital ratio | 16.8274% | 2,332 |
| Total risk-based capital ratio | 18.0370% | 2,302 |
| Memoranda: | ||
| Average total assets | $8,459,414,500 | 125 |
| Average earning assets | $7,375,457,000 | 126 |
| Average equity | $1,319,037,500 | 92 |
| Average total loans | $4,789,167,000 | 127 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0443% | 6,292 |
| Cost of funding earning assets | 2.2924% | 1,690 |
| Net interest margin | 2.7518% | 7,139 |
| Noninterest income to average assets | 0.5937% | 3,679 |
| Noninterest expense to average assets | 1.8775% | 7,531 |
| Loan and lease loss provision to assets | 0.2128% | 5,642 |
| Net operating income to assets | 0.5851% | 3,386 |
| Return on assets (ROA) | 0.6299% | 3,282 |
| Pretax return on assets | 0.9784% | 2,663 |
| Return on Equity (ROE) | 4.1653% | 4,018 |
| Retained earnings to average equity (ytd only) | -0.9280% | 5,234 |
| Net charge-offs to loans | 0.3162% | 4,662 |
| Credit loss provision to net charge-offs | 116.5199% | 4,654 |
| Earnings coverage of net charge-offs (x) | 6.1404% | 2,431 |
| Efficiency ratio | 59.2601% | 6,588 |
| Assets per employee ($millions) | 7.8811% | 542 |
| Cash dividends to net income (ytd only)* | 122.2781% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 5,907 |
| Loan loss allowance to noncurrent loans | 102.8969% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.6750% | 5,774 |
| Noncurrent loans to loans | 1.0674% | 5,187 |
| Net loans and leases to total assets | 56.0751% | 5,939 |
| Net loans and leases to deposits | 91.2305% | 2,008 |
| Net loans and leases to core deposits | 100.5106% | 3,945 |
| Total domestic deposits to total assets | 61.4653% | 7,777 |
| Equity capital to assets | 15.5712% | 772 |
| Core capital (leverage) ratio | 9.2556% | 4,044 |
| Tier 1 risk-based capital ratio | 16.6994% | 2,238 |
| Total risk-based capital ratio | 17.8936% | 2,214 |
| Memoranda: | ||
| Average total assets | $8,460,501,600 | 119 |
| Average earning assets | $7,393,927,400 | 123 |
| Average equity | $1,279,376,200 | 94 |
| Average total loans | $4,884,887,800 | 127 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0808% | 6,335 |
| Cost of funding earning assets | 2.3788% | 1,705 |
| Net interest margin | 2.7019% | 7,203 |
| Noninterest income to average assets | 0.6007% | 3,693 |
| Noninterest expense to average assets | 1.8591% | 7,596 |
| Loan and lease loss provision to assets | 0.2288% | 5,142 |
| Net operating income to assets | 0.5549% | 3,769 |
| Return on assets (ROA) | 0.6104% | 3,624 |
| Pretax return on assets | 0.9600% | 3,024 |
| Return on Equity (ROE) | 4.0669% | 4,348 |
| Retained earnings to average equity (ytd only) | -2.7673% | 5,891 |
| Net charge-offs to loans | 0.3454% | 3,914 |
| Credit loss provision to net charge-offs | 114.2172% | 4,448 |
| Earnings coverage of net charge-offs (x) | 5.5016% | 2,804 |
| Efficiency ratio | 59.3925% | 6,501 |
| Assets per employee ($millions) | 8.0344% | 511 |
| Cash dividends to net income (ytd only)* | 168.0429% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 5,879 |
| Loan loss allowance to noncurrent loans | 105.3554% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.6299% | 5,873 |
| Noncurrent loans to loans | 1.0184% | 5,272 |
| Net loans and leases to total assets | 55.8888% | 6,152 |
| Net loans and leases to deposits | 92.7583% | 2,104 |
| Net loans and leases to core deposits | 102.5024% | 4,104 |
| Total domestic deposits to total assets | 60.2521% | 7,870 |
| Equity capital to assets | 15.1314% | 968 |
| Core capital (leverage) ratio | 9.0185% | 4,621 |
| Tier 1 risk-based capital ratio | 16.3717% | 2,484 |
| Total risk-based capital ratio | 17.5527% | 2,448 |
| Memoranda: | ||
| Average total assets | $8,469,413,500 | 126 |
| Average earning assets | $7,398,894,000 | 127 |
| Average equity | $1,271,257,500 | 98 |
| Average total loans | $4,911,933,250 | 135 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1417% | 6,281 |
| Cost of funding earning assets | 2.4770% | 1,695 |
| Net interest margin | 2.6647% | 7,275 |
| Noninterest income to average assets | 0.5930% | 3,751 |
| Noninterest expense to average assets | 1.8776% | 7,654 |
| Loan and lease loss provision to assets | 0.2154% | 4,891 |
| Net operating income to assets | 0.5316% | 3,976 |
| Return on assets (ROA) | 0.5852% | 3,851 |
| Pretax return on assets | 0.9052% | 3,317 |
| Return on Equity (ROE) | 3.9096% | 4,533 |
| Retained earnings to average equity (ytd only) | -6.3956% | 6,501 |
| Net charge-offs to loans | 0.3039% | 3,664 |
| Credit loss provision to net charge-offs | 121.1879% | 3,827 |
| Earnings coverage of net charge-offs (x) | 5.8403% | 2,747 |
| Efficiency ratio | 60.9385% | 6,407 |
| Assets per employee ($millions) | 8.0024% | 499 |
| Cash dividends to net income (ytd only)* | 263.5897% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 5,910 |
| Loan loss allowance to noncurrent loans | 93.8584% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.6750% | 5,721 |
| Noncurrent loans to loans | 1.1185% | 4,981 |
| Net loans and leases to total assets | 56.6411% | 6,134 |
| Net loans and leases to deposits | 96.3705% | 1,737 |
| Net loans and leases to core deposits | 106.3197% | 3,802 |
| Total domestic deposits to total assets | 58.7743% | 7,966 |
| Equity capital to assets | 14.7396% | 1,099 |
| Core capital (leverage) ratio | 8.8335% | 4,891 |
| Tier 1 risk-based capital ratio | 15.7802% | 2,702 |
| Total risk-based capital ratio | 16.9386% | 2,669 |
| Memoranda: | ||
| Average total assets | $8,448,367,670 | 131 |
| Average earning assets | $7,364,384,670 | 132 |
| Average equity | $1,264,646,000 | 105 |
| Average total loans | $4,942,423,670 | 138 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2014% | 6,290 |
| Cost of funding earning assets | 2.5677% | 1,668 |
| Net interest margin | 2.6337% | 7,323 |
| Noninterest income to average assets | 0.5923% | 3,606 |
| Noninterest expense to average assets | 1.8039% | 7,695 |
| Loan and lease loss provision to assets | 0.1955% | 4,483 |
| Net operating income to assets | 0.5764% | 4,116 |
| Return on assets (ROA) | 0.6342% | 4,048 |
| Pretax return on assets | 0.9730% | 3,452 |
| Return on Equity (ROE) | 4.2038% | 4,844 |
| Retained earnings to average equity (ytd only) | -16.3953% | 7,509 |
| Net charge-offs to loans | 0.2722% | 3,033 |
| Credit loss provision to net charge-offs | 121.4455% | 3,244 |
| Earnings coverage of net charge-offs (x) | 6.7053% | 2,449 |
| Efficiency ratio | 59.0381% | 6,547 |
| Assets per employee ($millions) | 7.8523% | 532 |
| Cash dividends to net income (ytd only)* | 490.0135% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 6,016 |
| Loan loss allowance to noncurrent loans | 101.0235% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.6305% | 5,598 |
| Noncurrent loans to loans | 1.0119% | 4,977 |
| Net loans and leases to total assets | 57.7563% | 5,983 |
| Net loans and leases to deposits | 101.1600% | 1,267 |
| Net loans and leases to core deposits | 113.6442% | 3,042 |
| Total domestic deposits to total assets | 57.0940% | 8,026 |
| Equity capital to assets | 14.6548% | 1,194 |
| Core capital (leverage) ratio | 8.8022% | 4,981 |
| Tier 1 risk-based capital ratio | 15.1064% | 3,012 |
| Total risk-based capital ratio | 16.2228% | 3,015 |
| Memoranda: | ||
| Average total assets | $8,387,290,000 | 132 |
| Average earning assets | $7,296,223,000 | 134 |
| Average equity | $1,265,340,000 | 103 |
| Average total loans | $4,960,665,000 | 138 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5949% | 7,085 |
| Cost of funding earning assets | 2.9265% | 2,154 |
| Net interest margin | 2.6684% | 7,549 |
| Noninterest income to average assets | 0.6175% | 3,726 |
| Noninterest expense to average assets | 1.8049% | 7,748 |
| Loan and lease loss provision to assets | 0.1628% | 5,298 |
| Net operating income to assets | 0.6563% | 4,080 |
| Return on assets (ROA) | 0.6715% | 3,861 |
| Pretax return on assets | 0.9888% | 3,419 |
| Return on Equity (ROE) | 4.2858% | 4,690 |
| Retained earnings to average equity (ytd only) | 2.4774% | 3,655 |
| Net charge-offs to loans | 0.1498% | 4,709 |
| Credit loss provision to net charge-offs | 183.5114% | 2,715 |
| Earnings coverage of net charge-offs (x) | 12.7298% | 2,220 |
| Efficiency ratio | 57.5989% | 6,765 |
| Assets per employee ($millions) | 7.4450% | 587 |
| Cash dividends to net income (ytd only)* | 42.1945% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 6,005 |
| Loan loss allowance to noncurrent loans | 130.2105% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.5117% | 5,644 |
| Noncurrent loans to loans | 0.7715% | 5,103 |
| Net loans and leases to total assets | 59.3542% | 6,006 |
| Net loans and leases to deposits | 107.5679% | 1,003 |
| Net loans and leases to core deposits | 122.6721% | 2,432 |
| Total domestic deposits to total assets | 55.1784% | 8,070 |
| Equity capital to assets | 15.5285% | 1,040 |
| Core capital (leverage) ratio | 9.5378% | 3,962 |
| Tier 1 risk-based capital ratio | 16.1590% | 2,603 |
| Total risk-based capital ratio | 17.2561% | 2,609 |
| Memoranda: | ||
| Average total assets | $8,231,652,600 | 132 |
| Average earning assets | $7,146,120,800 | 133 |
| Average equity | $1,289,738,200 | 93 |
| Average total loans | $4,875,213,400 | 138 |