PackageTrendsPeer
Letter portraitLegal landscape

Advanta Bank Corp.

Draper, UT · Cert 33535

FDIC

Q4 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2009, the quarter ended December 31, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Advanta Bank Corp.

Draper, UT · Cert 33535

FDIC

Q4 2009

$1.5BAssets
$751.9MLoans
$1.5BDeposits
$-40551KEquity
Deposit mix
99%Interest-bearing $1.5B1%Noninterest $0.0BQ4 2008Q4 2009

NIM

5.84%Q4 ’074.66%Q4 ’086.90%Q4 ’09-40%+40%

Non-interest income vs. expense

12.28%Q4 ’0711.82%Q4 ’0812.33%Q4 ’09+76%+907%

Executive Summary

  • Earnings: ROA of -17.68%, down 1,792 bps year over year; NIM at 2.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 26.77%.
  • Funding: loans stand at 49.49% of deposits as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-17.68%-1,792 bps YoY

Net Interest Margin (YTD, annualized)

2.20%+63 bps YoY

Efficiency Ratio (YTD, annualized)

935%+85,591 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets0.24%1-7.75%-16.70%-14.96%-17.68%-1,792 bps
Return on Equity1.57%-67.37%-177.29%-179.11%-251%-25,287 bps
Net Interest Margin1.58%-0.05%0.54%0.99%2.20%+63 bps
Efficiency Ratio78.62%305%n/an/a935%+85,591 bps
Non-Interest Burden-1.64%6.93%14.25%11.75%13.21%+1,485 bps
Growth
Asset Growth (YoY)40.11%14.47%4.47%-13.95%-50.88%-9,100 bps
Loan Growth (YoY)-54.79%-45.39%-54.92%22.88%76.27%+13,107 bps
Deposit Growth (YoY)53.15%24.90%19.17%1.05%-40.52%-9,367 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans21.23%21.92%57.85%22.73%26.77%+554 bps
Allowance / Loans19.34%20.06%21.26%12.44%21.29%+195 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital38.40%21.83%20.65%10.28%-4.07%-4,247 bps
Equity / Assets12.19%10.80%5.03%4.16%-2.66%-1,484 bps
Liquidity & Funding
Loans / Deposits16.70%18.94%13.17%37.53%49.49%+3,279 bps
Liquid Assets / Assets50.02%47.23%53.11%50.75%40.93%-909 bps
CRE / Total Capitaln/an/an/an/an/an/an/a