Home > First Boulder Valley Bank > Performance and Condition Ratios
First Boulder Valley Bank, 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 | 7.0084% | 310 |
| Cost of funding earning assets | 1.3051% | 6,789 |
| Net interest margin | 5.7034% | 138 |
| Noninterest income to average assets | 0.7461% | 2,722 |
| Noninterest expense to average assets | 4.5935% | 703 |
| Loan and lease loss provision to assets | 0.1492% | 5,581 |
| Net operating income to assets | 1.1354% | 1,649 |
| Return on assets (ROA) | 1.1354% | 1,730 |
| Pretax return on assets | 1.1354% | 2,516 |
| Return on Equity (ROE) | 13.3929% | 1,098 |
| Retained earnings to average equity (ytd only) | 1.9133% | 4,279 |
| Net charge-offs to loans | 0.2384% | 4,004 |
| Credit loss provision to net charge-offs | 79.3103% | 5,215 |
| Earnings coverage of net charge-offs (x) | 6.8276% | 2,540 |
| Efficiency ratio | 78.1457% | 3,325 |
| Assets per employee ($millions) | 1.8801% | 7,931 |
| Cash dividends to net income (ytd only)* | 85.7143% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 6,485 |
| Loan loss allowance to noncurrent loans | 151.5924% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 1.5790% | 3,850 |
| Noncurrent loans to loans | 0.6353% | 5,973 |
| Net loans and leases to total assets | 81.3609% | 1,078 |
| Net loans and leases to deposits | 89.4456% | 2,906 |
| Net loans and leases to core deposits | 103.7912% | 4,086 |
| Total domestic deposits to total assets | 90.9614% | 463 |
| Equity capital to assets | 8.6530% | 5,818 |
| Core capital (leverage) ratio | 8.4376% | 5,550 |
| Tier 1 risk-based capital ratio | 10.9558% | 5,922 |
| Total risk-based capital ratio | 11.9576% | 6,120 |
| Memoranda: | ||
| Average total assets | $30,826,330 | 7,575 |
| Average earning assets | $27,738,000 | 7,571 |
| Average equity | $2,613,330 | 7,849 |
| Average total loans | $24,324,330 | 7,065 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7066% | 576 |
| Cost of funding earning assets | 1.3442% | 6,893 |
| Net interest margin | 5.3625% | 214 |
| Noninterest income to average assets | 0.7052% | 2,858 |
| Noninterest expense to average assets | 4.4618% | 742 |
| Loan and lease loss provision to assets | 0.0641% | 6,153 |
| Net operating income to assets | 1.0385% | 2,169 |
| Return on assets (ROA) | 1.0385% | 2,298 |
| Pretax return on assets | 1.0385% | 3,208 |
| Return on Equity (ROE) | 12.3735% | 1,548 |
| Retained earnings to average equity (ytd only) | 12.3735% | 731 |
| Net charge-offs to loans | 0.2818% | 2,986 |
| Credit loss provision to net charge-offs | 29.4118% | 4,954 |
| Earnings coverage of net charge-offs (x) | 5.0588% | 2,753 |
| Efficiency ratio | 80.1843% | 2,785 |
| Assets per employee ($millions) | 2.0571% | 7,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 6,446 |
| Loan loss allowance to noncurrent loans | 229.7030% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 6,532 |
| Noncurrent loans to loans | 0.4169% | 6,375 |
| Net loans and leases to total assets | 77.7522% | 1,881 |
| Net loans and leases to deposits | 85.3686% | 3,741 |
| Net loans and leases to core deposits | 98.5581% | 4,687 |
| Total domestic deposits to total assets | 91.0782% | 389 |
| Equity capital to assets | 8.6172% | 5,891 |
| Core capital (leverage) ratio | 8.7358% | 5,087 |
| Tier 1 risk-based capital ratio | 11.6807% | 5,225 |
| Total risk-based capital ratio | 12.6999% | 5,356 |
| Memoranda: | ||
| Average total assets | $31,198,500 | 7,597 |
| Average earning assets | $28,270,500 | 7,600 |
| Average equity | $2,618,500 | 7,896 |
| Average total loans | $24,130,000 | 7,127 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3716% | 523 |
| Cost of funding earning assets | 1.8010% | 7,003 |
| Net interest margin | 5.5706% | 187 |
| Noninterest income to average assets | 0.8820% | 2,049 |
| Noninterest expense to average assets | 4.2916% | 1,056 |
| Loan and lease loss provision to assets | 0.1150% | 5,903 |
| Net operating income to assets | 1.5754% | 875 |
| Return on assets (ROA) | 1.5914% | 810 |
| Pretax return on assets | 1.5914% | 1,408 |
| Return on Equity (ROE) | 19.7839% | 396 |
| Retained earnings to average equity (ytd only) | 4.8467% | 2,115 |
| Net charge-offs to loans | 0.1553% | 4,642 |
| Credit loss provision to net charge-offs | 94.7368% | 5,551 |
| Earnings coverage of net charge-offs (x) | 13.9211% | 2,094 |
| Efficiency ratio | 71.7415% | 3,985 |
| Assets per employee ($millions) | 2.1027% | 7,822 |
| Cash dividends to net income (ytd only)* | 75.5020% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 5,886 |
| Loan loss allowance to noncurrent loans | 236.8932% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 6,304 |
| Noncurrent loans to loans | 0.4285% | 6,055 |
| Net loans and leases to total assets | 75.4344% | 2,775 |
| Net loans and leases to deposits | 82.6455% | 4,630 |
| Net loans and leases to core deposits | 97.8048% | 5,058 |
| Total domestic deposits to total assets | 91.2746% | 256 |
| Equity capital to assets | 8.1737% | 6,588 |
| Core capital (leverage) ratio | 8.2398% | 6,074 |
| Tier 1 risk-based capital ratio | 11.3075% | 5,433 |
| Total risk-based capital ratio | 12.3777% | 5,498 |
| Memoranda: | ||
| Average total assets | $31,294,000 | 7,589 |
| Average earning assets | $28,650,600 | 7,580 |
| Average equity | $2,517,200 | 7,978 |
| Average total loans | $24,470,400 | 7,058 |