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First Bank, Performance and Condition Ratios
| 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 | 1.9572% | 8,230 |
| Cost of funding earning assets | 0.4745% | 8,195 |
| Net interest margin | 1.4828% | 8,186 |
| Noninterest income to average assets | 0.3781% | 5,659 |
| Noninterest expense to average assets | 1.3379% | 8,101 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3278% | 5,455 |
| Return on assets (ROA) | 0.3278% | 5,277 |
| Pretax return on assets | 0.3278% | 5,449 |
| Return on Equity (ROE) | 2.3859% | 5,465 |
| Retained earnings to average equity (ytd only) | -11.2702% | 7,179 |
| Net charge-offs to loans | 0.2386% | 3,865 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 3.2613% | 4,462 |
| Efficiency ratio | 72.9818% | 3,756 |
| Assets per employee ($millions) | 2.8674% | 6,393 |
| Cash dividends to net income (ytd only)* | 572.3757% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 3,627 |
| Loan loss allowance to noncurrent loans | 848.3221% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.3279% | 6,293 |
| Noncurrent loans to loans | 0.1561% | 6,940 |
| Net loans and leases to total assets | 37.7554% | 7,765 |
| Net loans and leases to deposits | 53.1520% | 7,480 |
| Net loans and leases to core deposits | 57.7735% | 7,676 |
| Total domestic deposits to total assets | 71.0329% | 7,158 |
| Equity capital to assets | 18.7809% | 569 |
| Core capital (leverage) ratio | 7.5865% | 7,092 |
| Tier 1 risk-based capital ratio | 11.4254% | 5,311 |
| Total risk-based capital ratio | 12.2814% | 5,596 |
| Memoranda: | ||
| Average total assets | $220,865,600 | 2,867 |
| Average earning assets | $191,800,000 | 3,012 |
| Average equity | $30,345,400 | 2,232 |
| Average total loans | $93,035,000 | 4,133 |