Home > First BankAmericano > Performance and Condition Ratios
First BankAmericano, 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 | 5.2754% | 5,766 |
| Cost of funding earning assets | 2.7894% | 815 |
| Net interest margin | 2.4860% | 7,497 |
| Noninterest income to average assets | 0.4019% | 5,268 |
| Noninterest expense to average assets | 5.2081% | 450 |
| Loan and lease loss provision to assets | 1.7027% | 985 |
| Net operating income to assets | -4.3597% | 7,878 |
| Return on assets (ROA) | -4.3597% | 7,876 |
| Pretax return on assets | -4.3597% | 7,789 |
| Return on Equity (ROE) | -219.8422% | 8,150 |
| Retained earnings to average equity (ytd only) | -219.8422% | 8,149 |
| Net charge-offs to loans | 7.7729% | 107 |
| Credit loss provision to net charge-offs | 31.3678% | 6,015 |
| Earnings coverage of net charge-offs (x) | -0.4895% | 6,070 |
| Efficiency ratio | 204.1509% | 190 |
| Assets per employee ($millions) | 3.2034% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0395% | 249 |
| Loan loss allowance to noncurrent loans | 47.7431% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 5.8039% | 846 |
| Noncurrent loans to loans | 8.4609% | 490 |
| Net loans and leases to total assets | 65.8258% | 4,595 |
| Net loans and leases to deposits | 69.1747% | 6,074 |
| Net loans and leases to core deposits | 88.9489% | 5,637 |
| Total domestic deposits to total assets | 95.1589% | 32 |
| Equity capital to assets | 1.0253% | 8,158 |
| Core capital (leverage) ratio | 0.9334% | 8,165 |
| Tier 1 risk-based capital ratio | 1.2903% | 8,164 |
| Total risk-based capital ratio | 2.5603% | 8,164 |
| Memoranda: | ||
| Average total assets | $166,202,330 | 3,702 |
| Average earning assets | $143,686,330 | 3,869 |
| Average equity | $3,296,000 | 7,635 |
| Average total loans | $116,069,330 | 3,624 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3992% | 5,433 |
| Cost of funding earning assets | 2.8878% | 792 |
| Net interest margin | 2.5115% | 7,485 |
| Noninterest income to average assets | 0.4630% | 4,651 |
| Noninterest expense to average assets | 5.1236% | 441 |
| Loan and lease loss provision to assets | 3.7371% | 266 |
| Net operating income to assets | -6.2476% | 8,103 |
| Return on assets (ROA) | -6.2476% | 8,094 |
| Pretax return on assets | -6.2476% | 8,062 |
| Return on Equity (ROE) | -255.0103% | 8,211 |
| Retained earnings to average equity (ytd only) | -255.0103% | 8,210 |
| Net charge-offs to loans | 7.2194% | 111 |
| Credit loss provision to net charge-offs | 73.4866% | 4,289 |
| Earnings coverage of net charge-offs (x) | -0.4937% | 5,247 |
| Efficiency ratio | 196.0731% | 194 |
| Assets per employee ($millions) | 3.1724% | 5,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0318% | 66 |
| Loan loss allowance to noncurrent loans | 51.4544% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 8.4781% | 325 |
| Noncurrent loans to loans | 11.7225% | 186 |
| Net loans and leases to total assets | 67.9609% | 4,148 |
| Net loans and leases to deposits | 72.3680% | 5,698 |
| Net loans and leases to core deposits | 92.1236% | 5,336 |
| Total domestic deposits to total assets | 93.9101% | 40 |
| Equity capital to assets | 1.7436% | 8,222 |
| Core capital (leverage) ratio | 1.4737% | 8,227 |
| Tier 1 risk-based capital ratio | 2.1116% | 8,227 |
| Total risk-based capital ratio | 3.4192% | 8,226 |
| Memoranda: | ||
| Average total assets | $167,617,500 | 3,697 |
| Average earning assets | $143,501,500 | 3,883 |
| Average equity | $4,106,500 | 7,414 |
| Average total loans | $118,070,000 | 3,600 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0763% | 5,162 |
| Cost of funding earning assets | 3.1454% | 1,371 |
| Net interest margin | 2.9310% | 7,079 |
| Noninterest income to average assets | 0.3539% | 5,896 |
| Noninterest expense to average assets | 4.2912% | 1,058 |
| Loan and lease loss provision to assets | 5.4586% | 82 |
| Net operating income to assets | -6.7657% | 8,184 |
| Return on assets (ROA) | -6.7657% | 8,181 |
| Pretax return on assets | -6.7657% | 8,150 |
| Return on Equity (ROE) | -93.0164% | 8,265 |
| Retained earnings to average equity (ytd only) | -93.0164% | 8,261 |
| Net charge-offs to loans | 5.3444% | 84 |
| Credit loss provision to net charge-offs | 159.2587% | 3,246 |
| Earnings coverage of net charge-offs (x) | -0.3813% | 6,450 |
| Efficiency ratio | 143.7982% | 381 |
| Assets per employee ($millions) | 3.4008% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3991% | 44 |
| Loan loss allowance to noncurrent loans | 62.1018% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 7.0773% | 367 |
| Noncurrent loans to loans | 10.3042% | 197 |
| Net loans and leases to total assets | 64.2883% | 5,212 |
| Net loans and leases to deposits | 69.1964% | 6,351 |
| Net loans and leases to core deposits | 86.0190% | 6,132 |
| Total domestic deposits to total assets | 92.9071% | 59 |
| Equity capital to assets | 3.1088% | 8,275 |
| Core capital (leverage) ratio | 2.8048% | 8,280 |
| Tier 1 risk-based capital ratio | 4.2042% | 8,274 |
| Total risk-based capital ratio | 5.5159% | 8,274 |
| Memoranda: | ||
| Average total assets | $191,274,800 | 3,254 |
| Average earning assets | $171,649,800 | 3,315 |
| Average equity | $13,912,600 | 4,359 |
| Average total loans | $122,670,400 | 3,407 |