Home > Peoples First Community Bank > Performance and Condition Ratios
Peoples First Community Bank, Performance and Condition Ratios
| 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 | 4.6534% | 7,348 |
| Cost of funding earning assets | 3.1118% | 234 |
| Net interest margin | 1.5416% | 7,942 |
| Noninterest income to average assets | 0.2128% | 6,708 |
| Noninterest expense to average assets | 2.6255% | 5,619 |
| Loan and lease loss provision to assets | 8.1733% | 40 |
| Net operating income to assets | -9.6232% | 8,040 |
| Return on assets (ROA) | -9.4613% | 8,036 |
| Pretax return on assets | -9.0926% | 8,029 |
| Return on Equity (ROE) | -215.1805% | 8,077 |
| Retained earnings to average equity (ytd only) | -215.1805% | 8,077 |
| Net charge-offs to loans | 7.9153% | 85 |
| Credit loss provision to net charge-offs | 135.1008% | 3,673 |
| Earnings coverage of net charge-offs (x) | -0.1787% | 6,265 |
| Efficiency ratio | 170.0014% | 240 |
| Assets per employee ($millions) | 4.7878% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6178% | 949 |
| Loan loss allowance to noncurrent loans | 15.9368% | 7,288 |
| Noncurrent assets plus other real estate owned to assets | 19.4719% | 51 |
| Noncurrent loans to loans | 16.4259% | 117 |
| Net loans and leases to total assets | 75.1500% | 2,213 |
| Net loans and leases to deposits | 80.1011% | 4,363 |
| Net loans and leases to core deposits | 117.1687% | 2,510 |
| Total domestic deposits to total assets | 93.8189% | 58 |
| Equity capital to assets | 1.0218% | 8,073 |
| Core capital (leverage) ratio | 1.0163% | 8,071 |
| Tier 1 risk-based capital ratio | 1.2856% | 8,072 |
| Total risk-based capital ratio | 2.5517% | 8,073 |
| Memoranda: | ||
| Average total assets | $1,914,878,750 | 377 |
| Average earning assets | $1,654,119,500 | 402 |
| Average equity | $84,195,750 | 771 |
| Average total loans | $1,463,580,750 | 360 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 7,323 |
| Cost of funding earning assets | 3.1778% | 284 |
| Net interest margin | 1.5701% | 8,000 |
| Noninterest income to average assets | 0.2689% | 6,347 |
| Noninterest expense to average assets | 2.6237% | 5,642 |
| Loan and lease loss provision to assets | 8.4904% | 58 |
| Net operating income to assets | -10.0245% | 8,123 |
| Return on assets (ROA) | -9.8735% | 8,113 |
| Pretax return on assets | -9.3317% | 8,083 |
| Return on Equity (ROE) | -181.8231% | 8,143 |
| Retained earnings to average equity (ytd only) | -181.8231% | 8,142 |
| Net charge-offs to loans | 8.3498% | 94 |
| Credit loss provision to net charge-offs | 133.4336% | 3,493 |
| Earnings coverage of net charge-offs (x) | -0.1559% | 5,846 |
| Efficiency ratio | 160.8115% | 322 |
| Assets per employee ($millions) | 4.8293% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5268% | 874 |
| Loan loss allowance to noncurrent loans | 17.8786% | 7,240 |
| Noncurrent assets plus other real estate owned to assets | 16.7758% | 78 |
| Noncurrent loans to loans | 14.1329% | 153 |
| Net loans and leases to total assets | 72.7223% | 3,026 |
| Net loans and leases to deposits | 81.9052% | 4,240 |
| Net loans and leases to core deposits | 121.2385% | 2,259 |
| Total domestic deposits to total assets | 88.7884% | 1,380 |
| Equity capital to assets | 2.9964% | 8,121 |
| Core capital (leverage) ratio | 2.9983% | 8,126 |
| Tier 1 risk-based capital ratio | 3.9416% | 8,126 |
| Total risk-based capital ratio | 5.2068% | 8,125 |
| Memoranda: | ||
| Average total assets | $1,954,698,330 | 383 |
| Average earning assets | $1,696,444,670 | 399 |
| Average equity | $106,146,000 | 633 |
| Average total loans | $1,489,598,330 | 364 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8304% | 7,324 |
| Cost of funding earning assets | 3.2387% | 308 |
| Net interest margin | 1.5917% | 8,035 |
| Noninterest income to average assets | 0.1009% | 7,536 |
| Noninterest expense to average assets | 2.6352% | 5,298 |
| Loan and lease loss provision to assets | 7.0863% | 93 |
| Net operating income to assets | -9.5663% | 8,169 |
| Return on assets (ROA) | -9.4325% | 8,157 |
| Pretax return on assets | -8.0970% | 8,116 |
| Return on Equity (ROE) | -142.5496% | 8,178 |
| Retained earnings to average equity (ytd only) | -142.5496% | 8,175 |
| Net charge-offs to loans | 5.2740% | 195 |
| Credit loss provision to net charge-offs | 174.5289% | 2,471 |
| Earnings coverage of net charge-offs (x) | -0.2819% | 5,175 |
| Efficiency ratio | 176.7629% | 253 |
| Assets per employee ($millions) | 4.8048% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8641% | 1,703 |
| Loan loss allowance to noncurrent loans | 15.7764% | 7,370 |
| Noncurrent assets plus other real estate owned to assets | 14.2635% | 92 |
| Noncurrent loans to loans | 11.8160% | 184 |
| Net loans and leases to total assets | 70.5477% | 3,567 |
| Net loans and leases to deposits | 80.9636% | 4,459 |
| Net loans and leases to core deposits | 122.1330% | 2,241 |
| Total domestic deposits to total assets | 87.1351% | 2,156 |
| Equity capital to assets | 5.2410% | 8,096 |
| Core capital (leverage) ratio | 5.2467% | 8,107 |
| Tier 1 risk-based capital ratio | 7.0705% | 8,095 |
| Total risk-based capital ratio | 8.3236% | 8,100 |
| Memoranda: | ||
| Average total assets | $1,971,010,000 | 379 |
| Average earning assets | $1,721,196,000 | 396 |
| Average equity | $130,422,000 | 530 |
| Average total loans | $1,517,392,000 | 358 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4398% | 3,224 |
| Cost of funding earning assets | 3.2809% | 974 |
| Net interest margin | 3.1589% | 6,497 |
| Noninterest income to average assets | 0.3204% | 6,167 |
| Noninterest expense to average assets | 2.6748% | 5,361 |
| Loan and lease loss provision to assets | 2.6609% | 378 |
| Net operating income to assets | -1.3365% | 7,408 |
| Return on assets (ROA) | -1.2287% | 7,297 |
| Pretax return on assets | -2.0394% | 7,445 |
| Return on Equity (ROE) | -14.1949% | 7,550 |
| Retained earnings to average equity (ytd only) | -15.8178% | 7,511 |
| Net charge-offs to loans | 2.4553% | 399 |
| Credit loss provision to net charge-offs | 124.1168% | 4,314 |
| Earnings coverage of net charge-offs (x) | 0.2114% | 6,108 |
| Efficiency ratio | 85.5121% | 1,905 |
| Assets per employee ($millions) | 4.3258% | 2,915 |
| Cash dividends to net income (ytd only)* | -11.4326% | 7,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 3,252 |
| Loan loss allowance to noncurrent loans | 12.9099% | 7,453 |
| Noncurrent assets plus other real estate owned to assets | 13.0111% | 85 |
| Noncurrent loans to loans | 10.7692% | 179 |
| Net loans and leases to total assets | 81.3709% | 1,343 |
| Net loans and leases to deposits | 95.7734% | 2,476 |
| Net loans and leases to core deposits | 139.6906% | 1,285 |
| Total domestic deposits to total assets | 84.9620% | 2,862 |
| Equity capital to assets | 8.1104% | 6,681 |
| Core capital (leverage) ratio | 8.1247% | 6,289 |
| Tier 1 risk-based capital ratio | 9.7474% | 7,022 |
| Total risk-based capital ratio | 10.9954% | 6,928 |
| Memoranda: | ||
| Average total assets | $1,836,605,800 | 390 |
| Average earning assets | $1,632,322,000 | 393 |
| Average equity | $158,979,600 | 446 |
| Average total loans | $1,603,672,800 | 333 |