Home > First Central Bank, Inc. > Performance and Condition Ratios
First Central Bank, Inc., Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6851% | 908 |
| Cost of funding earning assets | 1.1292% | 3,298 |
| Net interest margin | 4.5559% | 946 |
| Noninterest income to average assets | 0.5578% | 3,454 |
| Noninterest expense to average assets | 3.1863% | 2,942 |
| Loan and lease loss provision to assets | 0.1780% | 3,840 |
| Net operating income to assets | 0.8841% | 2,641 |
| Return on assets (ROA) | 0.8841% | 2,709 |
| Pretax return on assets | 1.3351% | 1,923 |
| Return on Equity (ROE) | 8.7932% | 2,562 |
| Retained earnings to average equity (ytd only) | 2.0065% | 4,926 |
| Net charge-offs to loans | -0.0037% | 6,213 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8030% | 4,694 |
| Assets per employee ($millions) | 2.6388% | 6,785 |
| Cash dividends to net income (ytd only)* | 77.1812% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 5,860 |
| Loan loss allowance to noncurrent loans | 83.3223% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.8256% | 3,534 |
| Noncurrent loans to loans | 1.3769% | 4,406 |
| Net loans and leases to total assets | 78.7417% | 647 |
| Net loans and leases to deposits | 88.9913% | 1,351 |
| Net loans and leases to core deposits | 91.0015% | 2,241 |
| Total domestic deposits to total assets | 88.4825% | 2,089 |
| Equity capital to assets | 9.9120% | 3,884 |
| Core capital (leverage) ratio | 8.4579% | 5,534 |
| Tier 1 risk-based capital ratio | 11.2639% | 6,294 |
| Total risk-based capital ratio | 12.5232% | 6,263 |
| Memoranda: | ||
| Average total assets | $134,826,000 | 4,157 |
| Average earning assets | $122,566,500 | 4,171 |
| Average equity | $13,556,000 | 4,202 |
| Average total loans | $109,587,000 | 3,506 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0162% | 824 |
| Cost of funding earning assets | 1.3526% | 3,554 |
| Net interest margin | 4.6636% | 883 |
| Noninterest income to average assets | 0.6602% | 3,080 |
| Noninterest expense to average assets | 2.7545% | 4,767 |
| Loan and lease loss provision to assets | 0.2250% | 5,031 |
| Net operating income to assets | 1.2400% | 1,321 |
| Return on assets (ROA) | 1.2400% | 1,388 |
| Pretax return on assets | 1.9482% | 546 |
| Return on Equity (ROE) | 11.9495% | 1,323 |
| Retained earnings to average equity (ytd only) | 3.5684% | 3,360 |
| Net charge-offs to loans | 0.1226% | 5,661 |
| Credit loss provision to net charge-offs | 223.8462% | 1,336 |
| Earnings coverage of net charge-offs (x) | 21.6231% | 959 |
| Efficiency ratio | 55.8990% | 6,611 |
| Assets per employee ($millions) | 2.5468% | 6,937 |
| Cash dividends to net income (ytd only)* | 70.1372% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 6,000 |
| Loan loss allowance to noncurrent loans | 392.4342% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.9846% | 5,040 |
| Noncurrent loans to loans | 0.2767% | 6,509 |
| Net loans and leases to total assets | 82.0629% | 445 |
| Net loans and leases to deposits | 92.6095% | 1,192 |
| Net loans and leases to core deposits | 94.7747% | 2,161 |
| Total domestic deposits to total assets | 88.6118% | 1,884 |
| Equity capital to assets | 10.2020% | 3,497 |
| Core capital (leverage) ratio | 8.6025% | 5,191 |
| Tier 1 risk-based capital ratio | 11.1321% | 6,228 |
| Total risk-based capital ratio | 12.3263% | 6,241 |
| Memoranda: | ||
| Average total assets | $129,353,400 | 4,287 |
| Average earning assets | $118,364,000 | 4,269 |
| Average equity | $13,423,200 | 4,277 |
| Average total loans | $106,017,400 | 3,623 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9766% | 981 |
| Cost of funding earning assets | 1.3837% | 3,681 |
| Net interest margin | 4.5930% | 1,060 |
| Noninterest income to average assets | 0.6667% | 3,031 |
| Noninterest expense to average assets | 2.7717% | 4,595 |
| Loan and lease loss provision to assets | 0.2457% | 4,628 |
| Net operating income to assets | 1.1728% | 1,664 |
| Return on assets (ROA) | 1.1728% | 1,763 |
| Pretax return on assets | 1.8623% | 826 |
| Return on Equity (ROE) | 11.2524% | 1,710 |
| Retained earnings to average equity (ytd only) | 3.4424% | 4,030 |
| Net charge-offs to loans | 0.1510% | 5,098 |
| Credit loss provision to net charge-offs | 199.1597% | 1,799 |
| Earnings coverage of net charge-offs (x) | 17.0843% | 1,346 |
| Efficiency ratio | 56.7998% | 6,439 |
| Assets per employee ($millions) | 2.3878% | 7,212 |
| Cash dividends to net income (ytd only)* | 69.4077% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 6,098 |
| Loan loss allowance to noncurrent loans | 177.1957% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 1.2556% | 4,640 |
| Noncurrent loans to loans | 0.6006% | 6,007 |
| Net loans and leases to total assets | 81.4091% | 572 |
| Net loans and leases to deposits | 92.2507% | 1,415 |
| Net loans and leases to core deposits | 94.1550% | 2,507 |
| Total domestic deposits to total assets | 88.2477% | 1,831 |
| Equity capital to assets | 10.3291% | 3,728 |
| Core capital (leverage) ratio | 8.6151% | 5,322 |
| Tier 1 risk-based capital ratio | 11.0845% | 6,301 |
| Total risk-based capital ratio | 12.2474% | 6,369 |
| Memoranda: | ||
| Average total assets | $128,583,000 | 4,361 |
| Average earning assets | $117,945,750 | 4,335 |
| Average equity | $13,401,250 | 4,349 |
| Average total loans | $105,053,500 | 3,704 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9851% | 981 |
| Cost of funding earning assets | 1.4235% | 3,725 |
| Net interest margin | 4.5616% | 1,082 |
| Noninterest income to average assets | 0.6705% | 2,888 |
| Noninterest expense to average assets | 2.7713% | 4,614 |
| Loan and lease loss provision to assets | 0.1692% | 5,185 |
| Net operating income to assets | 1.1859% | 1,594 |
| Return on assets (ROA) | 1.1859% | 1,666 |
| Pretax return on assets | 1.9269% | 701 |
| Return on Equity (ROE) | 11.3437% | 1,636 |
| Retained earnings to average equity (ytd only) | 4.0759% | 3,487 |
| Net charge-offs to loans | 0.0346% | 5,872 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 74.3333% | 425 |
| Efficiency ratio | 56.9360% | 6,518 |
| Assets per employee ($millions) | 2.4371% | 7,181 |
| Cash dividends to net income (ytd only)* | 64.0687% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 6,175 |
| Loan loss allowance to noncurrent loans | 82.9268% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.0475% | 5,049 |
| Noncurrent loans to loans | 1.2679% | 4,848 |
| Net loans and leases to total assets | 81.7460% | 564 |
| Net loans and leases to deposits | 92.8573% | 1,410 |
| Net loans and leases to core deposits | 94.2052% | 2,682 |
| Total domestic deposits to total assets | 88.0340% | 1,983 |
| Equity capital to assets | 10.4524% | 3,476 |
| Core capital (leverage) ratio | 8.7411% | 5,019 |
| Tier 1 risk-based capital ratio | 11.1834% | 6,056 |
| Total risk-based capital ratio | 12.3390% | 6,131 |
| Memoranda: | ||
| Average total assets | $127,668,000 | 4,412 |
| Average earning assets | $117,459,000 | 4,386 |
| Average equity | $13,346,670 | 4,364 |
| Average total loans | $104,050,330 | 3,766 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9154% | 1,170 |
| Cost of funding earning assets | 1.4557% | 3,831 |
| Net interest margin | 4.4597% | 1,234 |
| Noninterest income to average assets | 0.6114% | 3,198 |
| Noninterest expense to average assets | 2.8491% | 4,283 |
| Loan and lease loss provision to assets | 0.1135% | 5,481 |
| Net operating income to assets | 1.1629% | 1,641 |
| Return on assets (ROA) | 1.1629% | 1,719 |
| Pretax return on assets | 1.7523% | 969 |
| Return on Equity (ROE) | 11.1233% | 1,749 |
| Retained earnings to average equity (ytd only) | 4.6422% | 3,355 |
| Net charge-offs to loans | 0.0350% | 5,089 |
| Credit loss provision to net charge-offs | 400.0000% | 1,017 |
| Earnings coverage of net charge-offs (x) | 65.7778% | 463 |
| Efficiency ratio | 60.4278% | 6,093 |
| Assets per employee ($millions) | 2.4929% | 7,208 |
| Cash dividends to net income (ytd only)* | 58.2656% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 6,307 |
| Loan loss allowance to noncurrent loans | 275.7813% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 6,724 |
| Noncurrent loans to loans | 0.3752% | 6,539 |
| Net loans and leases to total assets | 79.6748% | 881 |
| Net loans and leases to deposits | 90.7411% | 1,795 |
| Net loans and leases to core deposits | 92.0614% | 3,098 |
| Total domestic deposits to total assets | 87.8046% | 2,174 |
| Equity capital to assets | 10.4878% | 3,256 |
| Core capital (leverage) ratio | 8.7096% | 5,012 |
| Tier 1 risk-based capital ratio | 11.4861% | 5,685 |
| Total risk-based capital ratio | 12.6323% | 5,753 |
| Memoranda: | ||
| Average total assets | $126,919,000 | 4,482 |
| Average earning assets | $116,780,000 | 4,451 |
| Average equity | $13,269,500 | 4,418 |
| Average total loans | $102,720,500 | 3,866 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1019% | 1,510 |
| Cost of funding earning assets | 1.7074% | 4,462 |
| Net interest margin | 4.3945% | 1,446 |
| Noninterest income to average assets | 0.6976% | 2,996 |
| Noninterest expense to average assets | 3.0186% | 4,077 |
| Loan and lease loss provision to assets | 0.2356% | 5,485 |
| Net operating income to assets | 0.9852% | 1,889 |
| Return on assets (ROA) | 0.9852% | 1,941 |
| Pretax return on assets | 1.4640% | 1,278 |
| Return on Equity (ROE) | 9.1032% | 1,992 |
| Retained earnings to average equity (ytd only) | 3.9512% | 2,438 |
| Net charge-offs to loans | 0.1439% | 5,799 |
| Credit loss provision to net charge-offs | 202.1583% | 1,922 |
| Earnings coverage of net charge-offs (x) | 14.5827% | 1,361 |
| Efficiency ratio | 63.9773% | 5,784 |
| Assets per employee ($millions) | 2.4365% | 7,306 |
| Cash dividends to net income (ytd only)* | 56.5957% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 6,376 |
| Loan loss allowance to noncurrent loans | 315.5963% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 6,804 |
| Noncurrent loans to loans | 0.3172% | 6,646 |
| Net loans and leases to total assets | 80.5470% | 904 |
| Net loans and leases to deposits | 91.3079% | 1,999 |
| Net loans and leases to core deposits | 107.6736% | 3,136 |
| Total domestic deposits to total assets | 88.2147% | 1,877 |
| Equity capital to assets | 10.4223% | 3,262 |
| Core capital (leverage) ratio | 8.6587% | 4,998 |
| Tier 1 risk-based capital ratio | 11.2727% | 5,639 |
| Total risk-based capital ratio | 12.3879% | 5,745 |
| Memoranda: | ||
| Average total assets | $119,259,800 | 4,597 |
| Average earning assets | $109,112,800 | 4,594 |
| Average equity | $12,907,600 | 4,532 |
| Average total loans | $96,568,800 | 4,048 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1354% | 1,540 |
| Cost of funding earning assets | 1.7606% | 4,586 |
| Net interest margin | 4.3748% | 1,514 |
| Noninterest income to average assets | 0.6746% | 3,185 |
| Noninterest expense to average assets | 3.1288% | 3,539 |
| Loan and lease loss provision to assets | 0.2453% | 5,000 |
| Net operating income to assets | 0.8824% | 2,485 |
| Return on assets (ROA) | 0.8824% | 2,561 |
| Pretax return on assets | 1.2992% | 1,953 |
| Return on Equity (ROE) | 8.0725% | 2,605 |
| Retained earnings to average equity (ytd only) | 3.0857% | 3,598 |
| Net charge-offs to loans | 0.1531% | 5,185 |
| Credit loss provision to net charge-offs | 198.1651% | 2,261 |
| Earnings coverage of net charge-offs (x) | 12.4771% | 1,756 |
| Efficiency ratio | 66.9502% | 5,197 |
| Assets per employee ($millions) | 2.3348% | 7,465 |
| Cash dividends to net income (ytd only)* | 61.7759% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 6,125 |
| Loan loss allowance to noncurrent loans | 660.2649% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 7,235 |
| Noncurrent loans to loans | 0.1554% | 7,096 |
| Net loans and leases to total assets | 79.2093% | 1,345 |
| Net loans and leases to deposits | 89.8598% | 2,607 |
| Net loans and leases to core deposits | 106.6886% | 3,623 |
| Total domestic deposits to total assets | 88.1476% | 1,595 |
| Equity capital to assets | 10.7199% | 3,273 |
| Core capital (leverage) ratio | 8.6925% | 5,140 |
| Tier 1 risk-based capital ratio | 11.7706% | 5,175 |
| Total risk-based capital ratio | 12.9217% | 5,218 |
| Memoranda: | ||
| Average total assets | $117,399,750 | 4,659 |
| Average earning assets | $107,309,250 | 4,669 |
| Average equity | $12,833,250 | 4,579 |
| Average total loans | $94,939,750 | 4,123 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1281% | 1,696 |
| Cost of funding earning assets | 1.8218% | 4,660 |
| Net interest margin | 4.3063% | 1,639 |
| Noninterest income to average assets | 0.6117% | 3,588 |
| Noninterest expense to average assets | 3.2637% | 3,105 |
| Loan and lease loss provision to assets | 0.2085% | 4,959 |
| Net operating income to assets | 0.7393% | 3,097 |
| Return on assets (ROA) | 0.7393% | 3,199 |
| Pretax return on assets | 1.0701% | 2,738 |
| Return on Equity (ROE) | 6.7175% | 3,322 |
| Retained earnings to average equity (ytd only) | 2.0982% | 4,178 |
| Net charge-offs to loans | 0.0892% | 5,299 |
| Credit loss provision to net charge-offs | 288.0952% | 1,626 |
| Earnings coverage of net charge-offs (x) | 17.6667% | 1,462 |
| Efficiency ratio | 71.8513% | 4,442 |
| Assets per employee ($millions) | 2.2278% | 7,644 |
| Cash dividends to net income (ytd only)* | 68.7646% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 6,248 |
| Loan loss allowance to noncurrent loans | 378.5156% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 6,965 |
| Noncurrent loans to loans | 0.2641% | 6,865 |
| Net loans and leases to total assets | 81.2645% | 1,092 |
| Net loans and leases to deposits | 92.3415% | 2,406 |
| Net loans and leases to core deposits | 108.5994% | 3,539 |
| Total domestic deposits to total assets | 88.0042% | 1,775 |
| Equity capital to assets | 10.8719% | 3,042 |
| Core capital (leverage) ratio | 8.8177% | 4,918 |
| Tier 1 risk-based capital ratio | 11.6108% | 5,276 |
| Total risk-based capital ratio | 12.7351% | 5,316 |
| Memoranda: | ||
| Average total assets | $116,063,000 | 4,728 |
| Average earning assets | $105,939,000 | 4,725 |
| Average equity | $12,772,670 | 4,605 |
| Average total loans | $94,198,000 | 4,162 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0593% | 2,112 |
| Cost of funding earning assets | 1.9080% | 4,588 |
| Net interest margin | 4.1512% | 2,086 |
| Noninterest income to average assets | 0.5180% | 4,155 |
| Noninterest expense to average assets | 3.3479% | 2,504 |
| Loan and lease loss provision to assets | 0.2051% | 4,395 |
| Net operating income to assets | 0.5389% | 4,263 |
| Return on assets (ROA) | 0.5389% | 4,452 |
| Pretax return on assets | 0.7544% | 4,241 |
| Return on Equity (ROE) | 4.8664% | 4,522 |
| Retained earnings to average equity (ytd only) | 0.3140% | 5,535 |
| Net charge-offs to loans | 0.0431% | 4,874 |
| Credit loss provision to net charge-offs | 590.0000% | 965 |
| Earnings coverage of net charge-offs (x) | 27.6000% | 1,129 |
| Efficiency ratio | 77.7240% | 3,216 |
| Assets per employee ($millions) | 2.1278% | 7,782 |
| Cash dividends to net income (ytd only)* | 93.5484% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 6,178 |
| Loan loss allowance to noncurrent loans | 273.7609% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 6,623 |
| Noncurrent loans to loans | 0.3655% | 6,517 |
| Net loans and leases to total assets | 80.8641% | 1,223 |
| Net loans and leases to deposits | 92.1134% | 2,579 |
| Net loans and leases to core deposits | 106.6410% | 3,831 |
| Total domestic deposits to total assets | 87.7875% | 1,851 |
| Equity capital to assets | 11.0802% | 2,899 |
| Core capital (leverage) ratio | 8.9754% | 4,746 |
| Tier 1 risk-based capital ratio | 11.7672% | 5,152 |
| Total risk-based capital ratio | 12.8881% | 5,180 |
| Memoranda: | ||
| Average total assets | $115,057,000 | 4,774 |
| Average earning assets | $105,029,500 | 4,772 |
| Average equity | $12,740,500 | 4,645 |
| Average total loans | $92,836,000 | 4,235 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8259% | 1,597 |
| Cost of funding earning assets | 2.2350% | 5,438 |
| Net interest margin | 4.5910% | 1,207 |
| Noninterest income to average assets | 0.7519% | 2,769 |
| Noninterest expense to average assets | 3.0651% | 3,841 |
| Loan and lease loss provision to assets | 0.2196% | 4,688 |
| Net operating income to assets | 1.1017% | 2,138 |
| Return on assets (ROA) | 1.1017% | 2,055 |
| Pretax return on assets | 1.6659% | 1,227 |
| Return on Equity (ROE) | 9.9277% | 2,286 |
| Retained earnings to average equity (ytd only) | 3.5034% | 2,960 |
| Net charge-offs to loans | 0.2996% | 3,392 |
| Credit loss provision to net charge-offs | 90.8425% | 5,663 |
| Earnings coverage of net charge-offs (x) | 7.7985% | 3,022 |
| Efficiency ratio | 61.9141% | 5,968 |
| Assets per employee ($millions) | 2.1336% | 7,789 |
| Cash dividends to net income (ytd only)* | 64.7106% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 6,267 |
| Loan loss allowance to noncurrent loans | 257.9710% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 6,399 |
| Noncurrent loans to loans | 0.3757% | 6,229 |
| Net loans and leases to total assets | 78.9229% | 1,907 |
| Net loans and leases to deposits | 89.7641% | 3,493 |
| Net loans and leases to core deposits | 103.3577% | 4,458 |
| Total domestic deposits to total assets | 87.9226% | 1,499 |
| Equity capital to assets | 11.0663% | 2,981 |
| Core capital (leverage) ratio | 8.8210% | 5,005 |
| Tier 1 risk-based capital ratio | 11.9470% | 4,863 |
| Total risk-based capital ratio | 13.0350% | 4,904 |
| Memoranda: | ||
| Average total assets | $112,915,000 | 4,696 |
| Average earning assets | $103,268,200 | 4,704 |
| Average equity | $12,530,600 | 4,692 |
| Average total loans | $91,116,000 | 4,190 |