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First Bank, Performance and Condition Ratios
| 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 | 5.5410% | 2,365 |
| Cost of funding earning assets | 1.1965% | 5,149 |
| Net interest margin | 4.3445% | 1,618 |
| Noninterest income to average assets | 1.0217% | 1,312 |
| Noninterest expense to average assets | 6.2250% | 205 |
| Loan and lease loss provision to assets | 1.1626% | 1,224 |
| Net operating income to assets | -2.6405% | 7,447 |
| Return on assets (ROA) | -2.3378% | 7,398 |
| Pretax return on assets | -2.3378% | 7,330 |
| Return on Equity (ROE) | -34.9594% | 7,490 |
| Retained earnings to average equity (ytd only) | -34.9594% | 7,480 |
| Net charge-offs to loans | 1.4054% | 1,357 |
| Credit loss provision to net charge-offs | 117.6596% | 3,450 |
| Earnings coverage of net charge-offs (x) | -1.4957% | 6,174 |
| Efficiency ratio | 131.1337% | 307 |
| Assets per employee ($millions) | 2.7225% | 6,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3953% | 278 |
| Loan loss allowance to noncurrent loans | 64.5339% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 7.5003% | 679 |
| Noncurrent loans to loans | 6.8108% | 854 |
| Net loans and leases to total assets | 64.0074% | 4,263 |
| Net loans and leases to deposits | 68.3629% | 5,515 |
| Net loans and leases to core deposits | 71.6390% | 5,712 |
| Total domestic deposits to total assets | 93.6289% | 89 |
| Equity capital to assets | 5.9818% | 7,543 |
| Core capital (leverage) ratio | 5.7119% | 7,526 |
| Tier 1 risk-based capital ratio | 7.8218% | 7,535 |
| Total risk-based capital ratio | 9.1052% | 7,542 |
| Memoranda: | ||
| Average total assets | $95,132,670 | 5,215 |
| Average earning assets | $81,573,670 | 5,386 |
| Average equity | $6,361,670 | 6,349 |
| Average total loans | $66,886,670 | 4,906 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8003% | 1,455 |
| Cost of funding earning assets | 1.2513% | 5,104 |
| Net interest margin | 4.5490% | 1,050 |
| Noninterest income to average assets | 1.0057% | 1,285 |
| Noninterest expense to average assets | 4.9529% | 379 |
| Loan and lease loss provision to assets | 1.9021% | 589 |
| Net operating income to assets | -1.9484% | 7,451 |
| Return on assets (ROA) | -1.9484% | 7,453 |
| Pretax return on assets | -1.9484% | 7,400 |
| Return on Equity (ROE) | -27.6728% | 7,541 |
| Retained earnings to average equity (ytd only) | -27.6728% | 7,507 |
| Net charge-offs to loans | 2.7239% | 589 |
| Credit loss provision to net charge-offs | 96.9957% | 3,507 |
| Earnings coverage of net charge-offs (x) | -0.0236% | 5,043 |
| Efficiency ratio | 100.9434% | 809 |
| Assets per employee ($millions) | 2.6897% | 6,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0649% | 355 |
| Loan loss allowance to noncurrent loans | 93.9278% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 6.3747% | 905 |
| Noncurrent loans to loans | 4.3277% | 1,751 |
| Net loans and leases to total assets | 67.8653% | 3,419 |
| Net loans and leases to deposits | 73.1760% | 4,871 |
| Net loans and leases to core deposits | 76.5710% | 5,185 |
| Total domestic deposits to total assets | 92.7426% | 141 |
| Equity capital to assets | 6.8824% | 7,415 |
| Core capital (leverage) ratio | 6.4329% | 7,490 |
| Tier 1 risk-based capital ratio | 8.4570% | 7,564 |
| Total risk-based capital ratio | 9.7375% | 7,579 |
| Memoranda: | ||
| Average total assets | $95,054,500 | 5,285 |
| Average earning assets | $81,513,000 | 5,455 |
| Average equity | $6,692,500 | 6,290 |
| Average total loans | $68,432,000 | 4,917 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2583% | 1,099 |
| Cost of funding earning assets | 1.7804% | 4,102 |
| Net interest margin | 4.4779% | 1,221 |
| Noninterest income to average assets | 1.2271% | 1,004 |
| Noninterest expense to average assets | 5.8654% | 327 |
| Loan and lease loss provision to assets | 1.8003% | 1,256 |
| Net operating income to assets | -2.5666% | 7,287 |
| Return on assets (ROA) | -2.3324% | 7,212 |
| Pretax return on assets | -2.3324% | 7,078 |
| Return on Equity (ROE) | -27.6549% | 7,355 |
| Retained earnings to average equity (ytd only) | -27.6549% | 7,330 |
| Net charge-offs to loans | 0.7686% | 2,903 |
| Credit loss provision to net charge-offs | 322.1465% | 1,009 |
| Earnings coverage of net charge-offs (x) | -1.3714% | 6,939 |
| Efficiency ratio | 115.0299% | 686 |
| Assets per employee ($millions) | 2.7420% | 6,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8722% | 389 |
| Loan loss allowance to noncurrent loans | 101.8720% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 5.6455% | 1,030 |
| Noncurrent loans to loans | 3.8011% | 1,966 |
| Net loans and leases to total assets | 70.3848% | 3,164 |
| Net loans and leases to deposits | 76.1442% | 4,720 |
| Net loans and leases to core deposits | 95.1743% | 4,553 |
| Total domestic deposits to total assets | 92.4363% | 193 |
| Equity capital to assets | 7.1959% | 7,263 |
| Core capital (leverage) ratio | 6.5148% | 7,489 |
| Tier 1 risk-based capital ratio | 8.7699% | 7,545 |
| Total risk-based capital ratio | 10.0498% | 7,565 |
| Memoranda: | ||
| Average total assets | $105,040,600 | 4,959 |
| Average earning assets | $90,823,200 | 5,095 |
| Average equity | $8,859,200 | 5,648 |
| Average total loans | $76,369,200 | 4,640 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3806% | 959 |
| Cost of funding earning assets | 1.8787% | 3,997 |
| Net interest margin | 4.5019% | 1,189 |
| Noninterest income to average assets | 1.1866% | 1,111 |
| Noninterest expense to average assets | 4.6681% | 629 |
| Loan and lease loss provision to assets | 0.8350% | 2,291 |
| Net operating income to assets | -0.4100% | 6,332 |
| Return on assets (ROA) | -0.2348% | 6,124 |
| Pretax return on assets | -0.2348% | 6,029 |
| Return on Equity (ROE) | -2.6958% | 6,199 |
| Retained earnings to average equity (ytd only) | -2.6958% | 5,874 |
| Net charge-offs to loans | 0.8285% | 2,306 |
| Credit loss provision to net charge-offs | 138.8430% | 3,565 |
| Earnings coverage of net charge-offs (x) | 0.7066% | 5,332 |
| Efficiency ratio | 91.6565% | 1,566 |
| Assets per employee ($millions) | 2.7727% | 6,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1952% | 1,429 |
| Loan loss allowance to noncurrent loans | 81.5135% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 6.1137% | 866 |
| Noncurrent loans to loans | 2.6931% | 2,815 |
| Net loans and leases to total assets | 69.7044% | 3,577 |
| Net loans and leases to deposits | 77.2352% | 4,857 |
| Net loans and leases to core deposits | 96.5946% | 4,744 |
| Total domestic deposits to total assets | 90.2494% | 686 |
| Equity capital to assets | 9.1871% | 5,187 |
| Core capital (leverage) ratio | 8.2242% | 5,975 |
| Tier 1 risk-based capital ratio | 10.9046% | 6,048 |
| Total risk-based capital ratio | 12.1581% | 6,002 |
| Memoranda: | ||
| Average total assets | $107,308,000 | 4,926 |
| Average earning assets | $93,113,750 | 5,068 |
| Average equity | $9,347,500 | 5,540 |
| Average total loans | $77,894,000 | 4,627 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4138% | 976 |
| Cost of funding earning assets | 1.9413% | 4,057 |
| Net interest margin | 4.4726% | 1,240 |
| Noninterest income to average assets | 1.1187% | 1,265 |
| Noninterest expense to average assets | 4.4911% | 786 |
| Loan and lease loss provision to assets | 0.9056% | 1,866 |
| Net operating income to assets | -0.3931% | 6,444 |
| Return on assets (ROA) | -0.1341% | 6,105 |
| Pretax return on assets | -0.1341% | 6,042 |
| Return on Equity (ROE) | -1.5662% | 6,158 |
| Retained earnings to average equity (ytd only) | -1.5662% | 5,637 |
| Net charge-offs to loans | 1.0568% | 1,702 |
| Credit loss provision to net charge-offs | 117.3810% | 3,963 |
| Earnings coverage of net charge-offs (x) | 0.6643% | 5,038 |
| Efficiency ratio | 89.7577% | 1,836 |
| Assets per employee ($millions) | 2.9606% | 6,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9812% | 1,607 |
| Loan loss allowance to noncurrent loans | 107.1121% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 5.3422% | 953 |
| Noncurrent loans to loans | 1.8496% | 3,736 |
| Net loans and leases to total assets | 67.3407% | 4,282 |
| Net loans and leases to deposits | 74.0462% | 5,443 |
| Net loans and leases to core deposits | 92.3739% | 5,307 |
| Total domestic deposits to total assets | 90.9442% | 470 |
| Equity capital to assets | 8.4926% | 6,057 |
| Core capital (leverage) ratio | 8.2684% | 5,856 |
| Tier 1 risk-based capital ratio | 10.5372% | 6,340 |
| Total risk-based capital ratio | 11.7929% | 6,291 |
| Memoranda: | ||
| Average total assets | $108,881,000 | 4,912 |
| Average earning assets | $94,576,670 | 5,054 |
| Average equity | $9,321,670 | 5,569 |
| Average total loans | $79,487,330 | 4,601 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5926% | 716 |
| Cost of funding earning assets | 1.9985% | 4,141 |
| Net interest margin | 4.5941% | 949 |
| Noninterest income to average assets | 0.9986% | 1,488 |
| Noninterest expense to average assets | 4.3888% | 799 |
| Loan and lease loss provision to assets | 0.3795% | 3,048 |
| Net operating income to assets | 0.2285% | 5,567 |
| Return on assets (ROA) | 0.2285% | 5,728 |
| Pretax return on assets | 0.2285% | 5,875 |
| Return on Equity (ROE) | 2.6578% | 5,505 |
| Retained earnings to average equity (ytd only) | 2.6578% | 4,403 |
| Net charge-offs to loans | 0.1225% | 3,996 |
| Credit loss provision to net charge-offs | 412.0000% | 1,277 |
| Earnings coverage of net charge-offs (x) | 6.6000% | 2,474 |
| Efficiency ratio | 87.8319% | 1,910 |
| Assets per employee ($millions) | 2.4854% | 7,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8913% | 1,636 |
| Loan loss allowance to noncurrent loans | 65.0849% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 5.5178% | 771 |
| Noncurrent loans to loans | 2.9058% | 2,251 |
| Net loans and leases to total assets | 72.5656% | 3,103 |
| Net loans and leases to deposits | 80.2170% | 4,571 |
| Net loans and leases to core deposits | 99.3938% | 4,601 |
| Total domestic deposits to total assets | 90.4616% | 612 |
| Equity capital to assets | 9.0210% | 5,331 |
| Core capital (leverage) ratio | 8.3581% | 5,791 |
| Tier 1 risk-based capital ratio | 10.4239% | 6,471 |
| Total risk-based capital ratio | 11.6797% | 6,375 |
| Memoranda: | ||
| Average total assets | $108,550,000 | 4,940 |
| Average earning assets | $94,470,000 | 5,076 |
| Average equity | $9,331,000 | 5,590 |
| Average total loans | $81,602,000 | 4,568 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3617% | 531 |
| Cost of funding earning assets | 2.5875% | 3,742 |
| Net interest margin | 4.7742% | 823 |
| Noninterest income to average assets | 1.0505% | 1,421 |
| Noninterest expense to average assets | 4.0558% | 1,336 |
| Loan and lease loss provision to assets | 1.6032% | 820 |
| Net operating income to assets | -0.2759% | 6,714 |
| Return on assets (ROA) | -0.2759% | 6,561 |
| Pretax return on assets | -0.2759% | 6,439 |
| Return on Equity (ROE) | -3.7703% | 6,716 |
| Retained earnings to average equity (ytd only) | -10.0740% | 7,078 |
| Net charge-offs to loans | 1.4895% | 779 |
| Credit loss provision to net charge-offs | 137.1556% | 3,884 |
| Earnings coverage of net charge-offs (x) | 1.1355% | 5,558 |
| Efficiency ratio | 75.3436% | 3,351 |
| Assets per employee ($millions) | 2.7557% | 6,663 |
| Cash dividends to net income (ytd only)* | -167.1924% | 8,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6838% | 1,955 |
| Loan loss allowance to noncurrent loans | 84.6981% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 4.7039% | 772 |
| Noncurrent loans to loans | 1.9880% | 2,782 |
| Net loans and leases to total assets | 75.0624% | 2,870 |
| Net loans and leases to deposits | 82.1998% | 4,694 |
| Net loans and leases to core deposits | 103.4768% | 4,443 |
| Total domestic deposits to total assets | 91.3170% | 245 |
| Equity capital to assets | 8.1840% | 6,573 |
| Core capital (leverage) ratio | 7.9631% | 6,549 |
| Tier 1 risk-based capital ratio | 9.7295% | 7,048 |
| Total risk-based capital ratio | 10.9830% | 6,949 |
| Memoranda: | ||
| Average total assets | $114,898,200 | 4,641 |
| Average earning assets | $104,269,000 | 4,670 |
| Average equity | $8,407,800 | 5,941 |
| Average total loans | $90,164,400 | 4,221 |