Home > First Bank of Idaho, FSB > Performance and Condition Ratios
First Bank of Idaho, FSB, 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 | 6.1016% | 1,936 |
| Cost of funding earning assets | 1.9414% | 4,424 |
| Net interest margin | 4.1602% | 2,048 |
| Noninterest income to average assets | 0.3398% | 5,737 |
| Noninterest expense to average assets | 3.0341% | 3,611 |
| Loan and lease loss provision to assets | 0.8412% | 1,542 |
| Net operating income to assets | 0.1746% | 5,737 |
| Return on assets (ROA) | 0.2687% | 5,574 |
| Pretax return on assets | 0.4320% | 5,305 |
| Return on Equity (ROE) | 3.4000% | 5,208 |
| Retained earnings to average equity (ytd only) | 3.4000% | 3,993 |
| Net charge-offs to loans | 3.4818% | 351 |
| Credit loss provision to net charge-offs | 26.0101% | 4,996 |
| Earnings coverage of net charge-offs (x) | 0.3482% | 4,697 |
| Efficiency ratio | 71.6333% | 4,247 |
| Assets per employee ($millions) | 4.4203% | 2,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 6,033 |
| Loan loss allowance to noncurrent loans | 21.5499% | 7,085 |
| Noncurrent assets plus other real estate owned to assets | 4.7318% | 988 |
| Noncurrent loans to loans | 4.7356% | 1,174 |
| Net loans and leases to total assets | 90.8109% | 110 |
| Net loans and leases to deposits | 120.2356% | 281 |
| Net loans and leases to core deposits | 131.0012% | 1,599 |
| Total domestic deposits to total assets | 75.5275% | 6,596 |
| Equity capital to assets | 7.9257% | 6,926 |
| Core capital (leverage) ratio | 7.4437% | 7,221 |
| Tier 1 risk-based capital ratio | 8.5843% | 7,927 |
| Total risk-based capital ratio | 9.6697% | 7,991 |
| Memoranda: | ||
| Average total assets | $489,762,000 | 1,453 |
| Average earning assets | $449,784,000 | 1,436 |
| Average equity | $38,706,000 | 1,754 |
| Average total loans | $454,939,000 | 1,107 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8283% | 1,592 |
| Cost of funding earning assets | 2.4154% | 4,654 |
| Net interest margin | 4.4129% | 1,652 |
| Noninterest income to average assets | 0.4112% | 5,382 |
| Noninterest expense to average assets | 3.3232% | 2,886 |
| Loan and lease loss provision to assets | 2.7857% | 341 |
| Net operating income to assets | -0.9589% | 7,227 |
| Return on assets (ROA) | -0.8918% | 7,099 |
| Pretax return on assets | -1.4617% | 7,238 |
| Return on Equity (ROE) | -9.9267% | 7,275 |
| Retained earnings to average equity (ytd only) | -9.9267% | 7,066 |
| Net charge-offs to loans | 2.3848% | 423 |
| Credit loss provision to net charge-offs | 123.6369% | 4,339 |
| Earnings coverage of net charge-offs (x) | 0.5411% | 5,906 |
| Efficiency ratio | 71.8797% | 3,961 |
| Assets per employee ($millions) | 4.2144% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6797% | 1,967 |
| Loan loss allowance to noncurrent loans | 32.2907% | 6,571 |
| Noncurrent assets plus other real estate owned to assets | 4.8917% | 719 |
| Noncurrent loans to loans | 5.2019% | 820 |
| Net loans and leases to total assets | 92.4571% | 68 |
| Net loans and leases to deposits | 120.8641% | 370 |
| Net loans and leases to core deposits | 129.3115% | 1,907 |
| Total domestic deposits to total assets | 76.4967% | 6,121 |
| Equity capital to assets | 7.8802% | 6,995 |
| Core capital (leverage) ratio | 7.3919% | 7,314 |
| Tier 1 risk-based capital ratio | 8.2948% | 8,037 |
| Total risk-based capital ratio | 9.5511% | 8,078 |
| Memoranda: | ||
| Average total assets | $471,295,600 | 1,463 |
| Average earning assets | $441,208,400 | 1,412 |
| Average equity | $42,340,200 | 1,577 |
| Average total loans | $445,273,400 | 1,079 |