Home > First Bank of West Texas > Performance and Condition Ratios
First Bank of West Texas, 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 | 5.4639% | 5,101 |
| Cost of funding earning assets | 1.8415% | 4,912 |
| Net interest margin | 3.6224% | 4,223 |
| Noninterest income to average assets | 0.8277% | 2,189 |
| Noninterest expense to average assets | 3.2000% | 2,986 |
| Loan and lease loss provision to assets | 0.1508% | 4,997 |
| Net operating income to assets | 0.5532% | 4,206 |
| Return on assets (ROA) | 0.5446% | 4,421 |
| Pretax return on assets | 0.7815% | 4,143 |
| Return on Equity (ROE) | 8.0263% | 3,140 |
| Retained earnings to average equity (ytd only) | 6.8926% | 2,250 |
| Net charge-offs to loans | -0.0193% | 7,429 |
| Credit loss provision to net charge-offs | -1,225.0000% | 6,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2086% | 3,295 |
| Assets per employee ($millions) | 2.6085% | 7,076 |
| Cash dividends to net income (ytd only)* | 14.1243% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 4,235 |
| Loan loss allowance to noncurrent loans | 126.7073% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 5,604 |
| Noncurrent loans to loans | 1.0067% | 4,985 |
| Net loans and leases to total assets | 61.6572% | 5,396 |
| Net loans and leases to deposits | 68.2483% | 6,159 |
| Net loans and leases to core deposits | 94.7119% | 5,091 |
| Total domestic deposits to total assets | 90.3424% | 660 |
| Equity capital to assets | 6.8698% | 7,738 |
| Core capital (leverage) ratio | 6.9139% | 7,688 |
| Tier 1 risk-based capital ratio | 10.2377% | 6,665 |
| Total risk-based capital ratio | 11.4423% | 6,636 |
| Memoranda: | ||
| Average total assets | $130,000,500 | 4,406 |
| Average earning assets | $119,035,500 | 4,413 |
| Average equity | $8,821,000 | 5,768 |
| Average total loans | $82,823,000 | 4,535 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4098% | 3,364 |
| Cost of funding earning assets | 2.5797% | 3,797 |
| Net interest margin | 3.8301% | 3,894 |
| Noninterest income to average assets | 0.8919% | 1,993 |
| Noninterest expense to average assets | 3.4670% | 2,479 |
| Loan and lease loss provision to assets | 0.2010% | 4,883 |
| Net operating income to assets | 0.5577% | 4,493 |
| Return on assets (ROA) | 0.2773% | 5,438 |
| Pretax return on assets | 0.3715% | 5,329 |
| Return on Equity (ROE) | 4.1746% | 4,751 |
| Retained earnings to average equity (ytd only) | 2.4156% | 3,696 |
| Net charge-offs to loans | 0.1707% | 4,497 |
| Credit loss provision to net charge-offs | 184.2857% | 2,692 |
| Earnings coverage of net charge-offs (x) | 8.6786% | 2,836 |
| Efficiency ratio | 78.5563% | 2,835 |
| Assets per employee ($millions) | 2.5915% | 7,024 |
| Cash dividends to net income (ytd only)* | 42.1348% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 4,766 |
| Loan loss allowance to noncurrent loans | 127.3902% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5973% | 5,402 |
| Noncurrent loans to loans | 0.9193% | 4,784 |
| Net loans and leases to total assets | 64.2130% | 5,232 |
| Net loans and leases to deposits | 71.5383% | 6,112 |
| Net loans and leases to core deposits | 100.6800% | 4,754 |
| Total domestic deposits to total assets | 89.7604% | 739 |
| Equity capital to assets | 6.7004% | 7,869 |
| Core capital (leverage) ratio | 6.6868% | 7,862 |
| Tier 1 risk-based capital ratio | 9.6689% | 7,120 |
| Total risk-based capital ratio | 10.7674% | 7,209 |
| Memoranda: | ||
| Average total assets | $128,383,000 | 4,322 |
| Average earning assets | $118,038,600 | 4,305 |
| Average equity | $8,527,800 | 5,898 |
| Average total loans | $82,033,200 | 4,451 |