Home > First Independent Bank of Nevada > Performance and Condition Ratios
First Independent Bank of Nevada, Performance and Condition Ratios
| 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 | 5.4022% | 2,869 |
| Cost of funding earning assets | 0.8474% | 6,590 |
| Net interest margin | 4.5548% | 1,142 |
| Noninterest income to average assets | 0.1108% | 6,989 |
| Noninterest expense to average assets | 2.9556% | 3,907 |
| Loan and lease loss provision to assets | 0.4474% | 3,232 |
| Net operating income to assets | 0.5168% | 4,230 |
| Return on assets (ROA) | 0.6252% | 3,942 |
| Pretax return on assets | 0.9584% | 3,338 |
| Return on Equity (ROE) | 6.6441% | 3,512 |
| Retained earnings to average equity (ytd only) | 6.6441% | 2,018 |
| Net charge-offs to loans | 1.1033% | 1,840 |
| Credit loss provision to net charge-offs | 58.6218% | 5,731 |
| Earnings coverage of net charge-offs (x) | 1.6234% | 4,500 |
| Efficiency ratio | 66.9466% | 4,665 |
| Assets per employee ($millions) | 6.0083% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0345% | 2,135 |
| Loan loss allowance to noncurrent loans | 49.5429% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 3.8754% | 1,824 |
| Noncurrent loans to loans | 4.1066% | 1,803 |
| Net loans and leases to total assets | 65.8456% | 3,723 |
| Net loans and leases to deposits | 75.6268% | 4,241 |
| Net loans and leases to core deposits | 80.0296% | 4,516 |
| Total domestic deposits to total assets | 87.0665% | 2,488 |
| Equity capital to assets | 9.3845% | 5,006 |
| Core capital (leverage) ratio | 8.7111% | 5,162 |
| Tier 1 risk-based capital ratio | 11.0509% | 6,329 |
| Total risk-based capital ratio | 13.4406% | 5,250 |
| Memoranda: | ||
| Average total assets | $545,071,000 | 1,241 |
| Average earning assets | $488,698,000 | 1,273 |
| Average equity | $51,292,000 | 1,308 |
| Average total loans | $377,052,750 | 1,209 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4211% | 2,886 |
| Cost of funding earning assets | 0.9229% | 6,489 |
| Net interest margin | 4.4981% | 1,216 |
| Noninterest income to average assets | 0.4281% | 4,691 |
| Noninterest expense to average assets | 3.0065% | 3,691 |
| Loan and lease loss provision to assets | 0.7697% | 1,871 |
| Net operating income to assets | 0.4029% | 4,743 |
| Return on assets (ROA) | 0.4115% | 4,860 |
| Pretax return on assets | 0.6816% | 4,303 |
| Return on Equity (ROE) | 4.3685% | 4,614 |
| Retained earnings to average equity (ytd only) | 4.3685% | 3,294 |
| Net charge-offs to loans | 1.3302% | 1,426 |
| Credit loss provision to net charge-offs | 82.8355% | 4,634 |
| Earnings coverage of net charge-offs (x) | 1.5476% | 4,330 |
| Efficiency ratio | 64.2994% | 5,278 |
| Assets per employee ($millions) | 5.8543% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2259% | 1,711 |
| Loan loss allowance to noncurrent loans | 55.2839% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 5.0534% | 1,266 |
| Noncurrent loans to loans | 4.0264% | 1,880 |
| Net loans and leases to total assets | 66.4405% | 3,745 |
| Net loans and leases to deposits | 75.6594% | 4,390 |
| Net loans and leases to core deposits | 82.6212% | 4,326 |
| Total domestic deposits to total assets | 87.8152% | 2,096 |
| Equity capital to assets | 9.2683% | 5,049 |
| Core capital (leverage) ratio | 8.4801% | 5,446 |
| Tier 1 risk-based capital ratio | 10.3405% | 6,806 |
| Total risk-based capital ratio | 12.7023% | 5,793 |
| Memoranda: | ||
| Average total assets | $540,503,330 | 1,258 |
| Average earning assets | $482,599,330 | 1,289 |
| Average equity | $50,910,000 | 1,307 |
| Average total loans | $377,547,330 | 1,219 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5032% | 2,564 |
| Cost of funding earning assets | 0.9986% | 6,384 |
| Net interest margin | 4.5046% | 1,129 |
| Noninterest income to average assets | 0.7241% | 2,436 |
| Noninterest expense to average assets | 2.9455% | 3,879 |
| Loan and lease loss provision to assets | 1.4286% | 831 |
| Net operating income to assets | 0.2441% | 5,524 |
| Return on assets (ROA) | 0.2620% | 5,568 |
| Pretax return on assets | 0.3964% | 5,301 |
| Return on Equity (ROE) | 2.7583% | 5,452 |
| Retained earnings to average equity (ytd only) | 2.7583% | 4,483 |
| Net charge-offs to loans | 2.3753% | 709 |
| Credit loss provision to net charge-offs | 84.8811% | 3,775 |
| Earnings coverage of net charge-offs (x) | 1.0682% | 4,124 |
| Efficiency ratio | 58.8984% | 6,353 |
| Assets per employee ($millions) | 5.3630% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3139% | 1,558 |
| Loan loss allowance to noncurrent loans | 51.4517% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 5.2047% | 1,215 |
| Noncurrent loans to loans | 4.4973% | 1,664 |
| Net loans and leases to total assets | 66.9873% | 3,638 |
| Net loans and leases to deposits | 76.6052% | 4,300 |
| Net loans and leases to core deposits | 86.2833% | 3,854 |
| Total domestic deposits to total assets | 87.4449% | 2,388 |
| Equity capital to assets | 9.3799% | 4,709 |
| Core capital (leverage) ratio | 8.7312% | 4,973 |
| Tier 1 risk-based capital ratio | 10.3047% | 6,807 |
| Total risk-based capital ratio | 12.7056% | 5,695 |
| Memoranda: | ||
| Average total assets | $529,748,500 | 1,317 |
| Average earning assets | $472,670,500 | 1,348 |
| Average equity | $50,320,500 | 1,327 |
| Average total loans | $375,368,500 | 1,265 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6312% | 3,434 |
| Cost of funding earning assets | 1.4324% | 5,794 |
| Net interest margin | 4.1988% | 2,063 |
| Noninterest income to average assets | -0.4020% | 7,925 |
| Noninterest expense to average assets | 3.2308% | 3,272 |
| Loan and lease loss provision to assets | 2.6157% | 749 |
| Net operating income to assets | -1.5879% | 6,901 |
| Return on assets (ROA) | -1.7281% | 6,983 |
| Pretax return on assets | -2.6805% | 7,203 |
| Return on Equity (ROE) | -16.3016% | 7,004 |
| Retained earnings to average equity (ytd only) | -16.3016% | 6,952 |
| Net charge-offs to loans | 2.8732% | 759 |
| Credit loss provision to net charge-offs | 129.5514% | 3,954 |
| Earnings coverage of net charge-offs (x) | 0.0764% | 6,085 |
| Efficiency ratio | 90.7777% | 1,649 |
| Assets per employee ($millions) | 5.5681% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3549% | 1,406 |
| Loan loss allowance to noncurrent loans | 74.8262% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 4.1749% | 1,564 |
| Noncurrent loans to loans | 3.1472% | 2,438 |
| Net loans and leases to total assets | 71.5219% | 2,881 |
| Net loans and leases to deposits | 81.3353% | 3,729 |
| Net loans and leases to core deposits | 101.8673% | 3,814 |
| Total domestic deposits to total assets | 87.9346% | 1,998 |
| Equity capital to assets | 9.6234% | 4,243 |
| Core capital (leverage) ratio | 8.3776% | 5,480 |
| Tier 1 risk-based capital ratio | 9.9176% | 6,940 |
| Total risk-based capital ratio | 12.3004% | 5,836 |
| Memoranda: | ||
| Average total assets | $509,002,200 | 1,349 |
| Average earning assets | $459,081,400 | 1,371 |
| Average equity | $53,957,800 | 1,224 |
| Average total loans | $357,683,800 | 1,350 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6603% | 3,523 |
| Cost of funding earning assets | 1.5073% | 5,786 |
| Net interest margin | 4.1530% | 2,202 |
| Noninterest income to average assets | -0.4028% | 8,031 |
| Noninterest expense to average assets | 3.2878% | 2,962 |
| Loan and lease loss provision to assets | 2.1983% | 790 |
| Net operating income to assets | -1.3729% | 7,052 |
| Return on assets (ROA) | -1.5606% | 7,139 |
| Pretax return on assets | -2.4259% | 7,321 |
| Return on Equity (ROE) | -14.3831% | 7,159 |
| Retained earnings to average equity (ytd only) | -14.3831% | 7,097 |
| Net charge-offs to loans | 3.3824% | 450 |
| Credit loss provision to net charge-offs | 93.4989% | 5,390 |
| Earnings coverage of net charge-offs (x) | 0.0280% | 6,023 |
| Efficiency ratio | 93.3082% | 1,445 |
| Assets per employee ($millions) | 5.0555% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 3,239 |
| Loan loss allowance to noncurrent loans | 71.4439% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 3.2457% | 2,085 |
| Noncurrent loans to loans | 2.1531% | 3,442 |
| Net loans and leases to total assets | 65.3217% | 4,572 |
| Net loans and leases to deposits | 75.8479% | 5,075 |
| Net loans and leases to core deposits | 97.7886% | 4,631 |
| Total domestic deposits to total assets | 86.1219% | 2,635 |
| Equity capital to assets | 10.1705% | 3,882 |
| Core capital (leverage) ratio | 9.3280% | 4,143 |
| Tier 1 risk-based capital ratio | 11.6162% | 5,323 |
| Total risk-based capital ratio | 14.0632% | 4,254 |
| Memoranda: | ||
| Average total assets | $506,795,500 | 1,379 |
| Average earning assets | $458,388,750 | 1,392 |
| Average equity | $54,989,000 | 1,212 |
| Average total loans | $352,281,500 | 1,386 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6786% | 3,671 |
| Cost of funding earning assets | 1.5606% | 5,880 |
| Net interest margin | 4.1180% | 2,261 |
| Noninterest income to average assets | -0.3334% | 8,099 |
| Noninterest expense to average assets | 3.2352% | 3,214 |
| Loan and lease loss provision to assets | 1.2486% | 1,370 |
| Net operating income to assets | -0.6740% | 6,728 |
| Return on assets (ROA) | -0.9822% | 6,967 |
| Pretax return on assets | -1.5617% | 7,117 |
| Return on Equity (ROE) | -8.8600% | 6,959 |
| Retained earnings to average equity (ytd only) | -8.8600% | 6,761 |
| Net charge-offs to loans | 1.5935% | 1,187 |
| Credit loss provision to net charge-offs | 110.9735% | 4,170 |
| Earnings coverage of net charge-offs (x) | 0.1497% | 5,521 |
| Efficiency ratio | 90.3464% | 1,775 |
| Assets per employee ($millions) | 4.7236% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 2,350 |
| Loan loss allowance to noncurrent loans | 44.1574% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 3.8606% | 1,566 |
| Noncurrent loans to loans | 3.8499% | 1,765 |
| Net loans and leases to total assets | 69.6869% | 3,773 |
| Net loans and leases to deposits | 81.0334% | 4,385 |
| Net loans and leases to core deposits | 106.1382% | 3,826 |
| Total domestic deposits to total assets | 85.9977% | 2,794 |
| Equity capital to assets | 10.8166% | 3,094 |
| Core capital (leverage) ratio | 10.2103% | 3,084 |
| Tier 1 risk-based capital ratio | 12.0713% | 4,856 |
| Total risk-based capital ratio | 14.4952% | 3,886 |
| Memoranda: | ||
| Average total assets | $502,156,000 | 1,417 |
| Average earning assets | $455,710,330 | 1,413 |
| Average equity | $55,665,670 | 1,210 |
| Average total loans | $354,557,670 | 1,409 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6815% | 3,893 |
| Cost of funding earning assets | 1.6085% | 5,998 |
| Net interest margin | 4.0730% | 2,393 |
| Noninterest income to average assets | 0.0896% | 7,608 |
| Noninterest expense to average assets | 3.1852% | 3,055 |
| Loan and lease loss provision to assets | 1.3376% | 956 |
| Net operating income to assets | -0.6356% | 7,000 |
| Return on assets (ROA) | -1.7459% | 7,592 |
| Pretax return on assets | -2.0460% | 7,545 |
| Return on Equity (ROE) | -15.5535% | 7,629 |
| Retained earnings to average equity (ytd only) | -15.5535% | 7,465 |
| Net charge-offs to loans | 1.4256% | 1,003 |
| Credit loss provision to net charge-offs | 133.1727% | 3,036 |
| Earnings coverage of net charge-offs (x) | 0.5952% | 4,519 |
| Efficiency ratio | 79.9104% | 2,840 |
| Assets per employee ($millions) | 4.8496% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8000% | 1,850 |
| Loan loss allowance to noncurrent loans | 34.6898% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 4.1810% | 1,203 |
| Noncurrent loans to loans | 5.1889% | 1,027 |
| Net loans and leases to total assets | 67.5820% | 4,228 |
| Net loans and leases to deposits | 78.5798% | 4,837 |
| Net loans and leases to core deposits | 102.9472% | 4,246 |
| Total domestic deposits to total assets | 86.0043% | 2,723 |
| Equity capital to assets | 10.8290% | 3,142 |
| Core capital (leverage) ratio | 10.6239% | 2,810 |
| Tier 1 risk-based capital ratio | 12.4945% | 4,555 |
| Total risk-based capital ratio | 14.9642% | 3,662 |
| Memoranda: | ||
| Average total assets | $495,800,500 | 1,432 |
| Average earning assets | $449,599,500 | 1,438 |
| Average equity | $55,653,000 | 1,220 |
| Average total loans | $349,336,500 | 1,448 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3865% | 3,484 |
| Cost of funding earning assets | 2.0854% | 6,111 |
| Net interest margin | 4.3012% | 1,965 |
| Noninterest income to average assets | 0.1251% | 7,490 |
| Noninterest expense to average assets | 17.6509% | 59 |
| Loan and lease loss provision to assets | 0.5536% | 2,605 |
| Net operating income to assets | -13.9764% | 8,282 |
| Return on assets (ROA) | -16.0246% | 8,295 |
| Pretax return on assets | -16.6818% | 8,294 |
| Return on Equity (ROE) | -92.7307% | 8,264 |
| Retained earnings to average equity (ytd only) | -92.7307% | 8,260 |
| Net charge-offs to loans | 0.3001% | 3,390 |
| Credit loss provision to net charge-offs | 288.9980% | 1,572 |
| Earnings coverage of net charge-offs (x) | -73.0540% | 7,000 |
| Efficiency ratio | 70.2265% | 4,306 |
| Assets per employee ($millions) | 4.4256% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6928% | 1,933 |
| Loan loss allowance to noncurrent loans | 47.5480% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 2.8603% | 1,639 |
| Noncurrent loans to loans | 3.5603% | 1,422 |
| Net loans and leases to total assets | 70.9664% | 3,789 |
| Net loans and leases to deposits | 84.0116% | 4,420 |
| Net loans and leases to core deposits | 97.7838% | 5,059 |
| Total domestic deposits to total assets | 84.4722% | 3,090 |
| Equity capital to assets | 11.6428% | 2,538 |
| Core capital (leverage) ratio | 10.8880% | 2,679 |
| Tier 1 risk-based capital ratio | 12.7551% | 4,257 |
| Total risk-based capital ratio | 15.2262% | 3,478 |
| Memoranda: | ||
| Average total assets | $531,412,600 | 1,277 |
| Average earning assets | $436,276,600 | 1,437 |
| Average equity | $91,832,600 | 727 |
| Average total loans | $339,207,200 | 1,432 |