Home > First Bank of Beverly Hills > Performance and Condition Ratios
First Bank of Beverly Hills, Performance and Condition Ratios
| 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 | 5.1657% | 6,425 |
| Cost of funding earning assets | 3.8435% | 55 |
| Net interest margin | 1.3222% | 8,105 |
| Noninterest income to average assets | -0.0366% | 8,107 |
| Noninterest expense to average assets | 1.1197% | 8,141 |
| Loan and lease loss provision to assets | 3.0340% | 356 |
| Net operating income to assets | -2.9107% | 7,830 |
| Return on assets (ROA) | -2.8537% | 7,827 |
| Pretax return on assets | -2.8537% | 7,727 |
| Return on Equity (ROE) | -79.5792% | 8,119 |
| Retained earnings to average equity (ytd only) | -79.5792% | 8,110 |
| Net charge-offs to loans | 6.1403% | 152 |
| Credit loss provision to net charge-offs | 82.5684% | 4,151 |
| Earnings coverage of net charge-offs (x) | 0.0335% | 4,949 |
| Efficiency ratio | 90.0819% | 1,712 |
| Assets per employee ($millions) | 37.0692% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3349% | 367 |
| Loan loss allowance to noncurrent loans | 33.3308% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 6.7257% | 531 |
| Noncurrent loans to loans | 10.0055% | 293 |
| Net loans and leases to total assets | 61.6832% | 5,389 |
| Net loans and leases to deposits | 89.7212% | 2,970 |
| Net loans and leases to core deposits | 108.8891% | 3,575 |
| Total domestic deposits to total assets | 68.7499% | 7,539 |
| Equity capital to assets | 3.7737% | 8,173 |
| Core capital (leverage) ratio | 3.2260% | 8,198 |
| Tier 1 risk-based capital ratio | 5.1996% | 8,166 |
| Total risk-based capital ratio | 6.4794% | 8,166 |
| Memoranda: | ||
| Average total assets | $1,375,751,000 | 521 |
| Average earning assets | $1,331,404,500 | 495 |
| Average equity | $49,334,500 | 1,399 |
| Average total loans | $823,279,500 | 599 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8439% | 6,283 |
| Cost of funding earning assets | 3.8621% | 160 |
| Net interest margin | 1.9818% | 8,073 |
| Noninterest income to average assets | 0.1055% | 7,611 |
| Noninterest expense to average assets | 0.7969% | 8,233 |
| Loan and lease loss provision to assets | 4.4481% | 135 |
| Net operating income to assets | -3.0637% | 7,837 |
| Return on assets (ROA) | -6.4017% | 8,162 |
| Pretax return on assets | -6.7372% | 8,146 |
| Return on Equity (ROE) | -80.3389% | 8,248 |
| Retained earnings to average equity (ytd only) | -80.3389% | 8,243 |
| Net charge-offs to loans | 5.7811% | 66 |
| Credit loss provision to net charge-offs | 115.3595% | 4,682 |
| Earnings coverage of net charge-offs (x) | 0.3176% | 6,040 |
| Efficiency ratio | 39.4180% | 8,143 |
| Assets per employee ($millions) | 42.6042% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5530% | 265 |
| Loan loss allowance to noncurrent loans | 51.5263% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 3.9677% | 1,044 |
| Noncurrent loans to loans | 6.8954% | 446 |
| Net loans and leases to total assets | 54.4804% | 6,601 |
| Net loans and leases to deposits | 79.9229% | 5,062 |
| Net loans and leases to core deposits | 98.0026% | 5,042 |
| Total domestic deposits to total assets | 68.1662% | 7,455 |
| Equity capital to assets | 3.4274% | 8,267 |
| Core capital (leverage) ratio | 3.3713% | 8,272 |
| Tier 1 risk-based capital ratio | 5.1675% | 8,260 |
| Total risk-based capital ratio | 6.4470% | 8,261 |
| Memoranda: | ||
| Average total assets | $1,390,466,000 | 500 |
| Average earning assets | $1,344,342,200 | 472 |
| Average equity | $110,798,200 | 609 |
| Average total loans | $927,416,400 | 532 |