Home > First Bank of Kansas City > Performance and Condition Ratios
First Bank of Kansas City, Performance and Condition Ratios
| 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 | 6.4764% | 866 |
| Cost of funding earning assets | 3.1376% | 313 |
| Net interest margin | 3.3388% | 5,407 |
| Noninterest income to average assets | 0.9901% | 1,632 |
| Noninterest expense to average assets | 9.0159% | 134 |
| Loan and lease loss provision to assets | 9.5284% | 41 |
| Net operating income to assets | -17.2863% | 8,166 |
| Return on assets (ROA) | -17.2863% | 8,164 |
| Pretax return on assets | -14.6537% | 8,157 |
| Return on Equity (ROE) | -243.6782% | 8,157 |
| Retained earnings to average equity (ytd only) | -243.6782% | 8,157 |
| Net charge-offs to loans | 12.2259% | 38 |
| Credit loss provision to net charge-offs | 94.1312% | 4,796 |
| Earnings coverage of net charge-offs (x) | -0.5063% | 6,075 |
| Efficiency ratio | 231.7365% | 140 |
| Assets per employee ($millions) | 1.4294% | 8,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5687% | 356 |
| Loan loss allowance to noncurrent loans | 35.9268% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 17.6811% | 66 |
| Noncurrent loans to loans | 9.9333% | 353 |
| Net loans and leases to total assets | 80.9451% | 1,150 |
| Net loans and leases to deposits | 87.8997% | 3,191 |
| Net loans and leases to core deposits | 112.0729% | 3,129 |
| Total domestic deposits to total assets | 92.0880% | 197 |
| Equity capital to assets | 1.9653% | 8,146 |
| Core capital (leverage) ratio | 1.8082% | 8,150 |
| Tier 1 risk-based capital ratio | 2.4462% | 8,147 |
| Total risk-based capital ratio | 3.7286% | 8,148 |
| Memoranda: | ||
| Average total assets | $17,169,670 | 8,007 |
| Average earning assets | $14,915,670 | 8,006 |
| Average equity | $1,218,000 | 8,131 |
| Average total loans | $14,215,670 | 7,637 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4243% | 1,009 |
| Cost of funding earning assets | 3.1350% | 414 |
| Net interest margin | 3.2892% | 5,530 |
| Noninterest income to average assets | 0.1118% | 7,475 |
| Noninterest expense to average assets | 7.7349% | 165 |
| Loan and lease loss provision to assets | 0.3577% | 3,175 |
| Net operating income to assets | -4.3369% | 8,004 |
| Return on assets (ROA) | -4.3369% | 7,999 |
| Pretax return on assets | -5.1193% | 7,995 |
| Return on Equity (ROE) | -46.3976% | 8,031 |
| Retained earnings to average equity (ytd only) | -46.3976% | 8,016 |
| Net charge-offs to loans | 2.4721% | 572 |
| Credit loss provision to net charge-offs | 17.5824% | 5,101 |
| Earnings coverage of net charge-offs (x) | -2.3407% | 5,489 |
| Efficiency ratio | 260.1504% | 119 |
| Assets per employee ($millions) | 1.7864% | 8,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1072% | 442 |
| Loan loss allowance to noncurrent loans | 23.4892% | 6,987 |
| Noncurrent assets plus other real estate owned to assets | 18.9375% | 41 |
| Noncurrent loans to loans | 13.2281% | 140 |
| Net loans and leases to total assets | 78.0284% | 1,818 |
| Net loans and leases to deposits | 90.6661% | 2,832 |
| Net loans and leases to core deposits | 118.3478% | 2,565 |
| Total domestic deposits to total assets | 86.0614% | 2,676 |
| Equity capital to assets | 8.9454% | 5,419 |
| Core capital (leverage) ratio | 6.5042% | 7,878 |
| Tier 1 risk-based capital ratio | 7.9640% | 8,015 |
| Total risk-based capital ratio | 9.2352% | 8,037 |
| Memoranda: | ||
| Average total assets | $17,893,000 | 8,039 |
| Average earning assets | $15,566,000 | 8,037 |
| Average equity | $1,672,500 | 8,119 |
| Average total loans | $14,724,500 | 7,651 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2668% | 637 |
| Cost of funding earning assets | 4.1637% | 54 |
| Net interest margin | 3.1031% | 6,646 |
| Noninterest income to average assets | 0.1084% | 7,592 |
| Noninterest expense to average assets | 5.9745% | 404 |
| Loan and lease loss provision to assets | 3.2243% | 269 |
| Net operating income to assets | -5.3964% | 8,115 |
| Return on assets (ROA) | -5.3964% | 8,106 |
| Pretax return on assets | -6.4215% | 8,131 |
| Return on Equity (ROE) | -59.2640% | 8,199 |
| Retained earnings to average equity (ytd only) | -59.2640% | 8,185 |
| Net charge-offs to loans | 3.6397% | 212 |
| Credit loss provision to net charge-offs | 119.7987% | 4,490 |
| Earnings coverage of net charge-offs (x) | -1.1879% | 6,624 |
| Efficiency ratio | 215.1220% | 177 |
| Assets per employee ($millions) | 1.6293% | 8,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4654% | 287 |
| Loan loss allowance to noncurrent loans | 24.2565% | 7,045 |
| Noncurrent assets plus other real estate owned to assets | 17.5594% | 43 |
| Noncurrent loans to loans | 14.2867% | 78 |
| Net loans and leases to total assets | 81.1349% | 1,406 |
| Net loans and leases to deposits | 90.4460% | 3,379 |
| Net loans and leases to core deposits | 129.1730% | 1,914 |
| Total domestic deposits to total assets | 89.7054% | 765 |
| Equity capital to assets | 9.7478% | 4,368 |
| Core capital (leverage) ratio | 7.1239% | 7,593 |
| Tier 1 risk-based capital ratio | 9.2485% | 7,573 |
| Total risk-based capital ratio | 10.5256% | 7,474 |
| Memoranda: | ||
| Average total assets | $22,144,200 | 7,939 |
| Average earning assets | $19,045,600 | 7,968 |
| Average equity | $2,016,400 | 8,118 |
| Average total loans | $16,375,000 | 7,559 |