Home > First Choice Community Bank > Performance and Condition Ratios
First Choice Community Bank, 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 | 3.7593% | 6,999 |
| Cost of funding earning assets | 1.5871% | 859 |
| Net interest margin | 2.1722% | 7,368 |
| Noninterest income to average assets | 0.3135% | 5,421 |
| Noninterest expense to average assets | 3.1979% | 2,905 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.8685% | 6,992 |
| Return on assets (ROA) | -0.9952% | 7,047 |
| Pretax return on assets | -0.9952% | 6,997 |
| Return on Equity (ROE) | 37.3701% | 49 |
| Retained earnings to average equity (ytd only) | 37.3701% | 38 |
| Net charge-offs to loans | 0.2152% | 3,227 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -4.7174% | 5,021 |
| Efficiency ratio | 136.1397% | 226 |
| Assets per employee ($millions) | 4.6967% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7666% | 68 |
| Loan loss allowance to noncurrent loans | 18.2356% | 6,823 |
| Noncurrent assets plus other real estate owned to assets | 33.0739% | 5 |
| Noncurrent loans to loans | 37.1063% | 6 |
| Net loans and leases to total assets | 80.3871% | 478 |
| Net loans and leases to deposits | 79.4127% | 2,824 |
| Net loans and leases to core deposits | 82.0958% | 3,441 |
| Total domestic deposits to total assets | 101.2270% | 1 |
| Equity capital to assets | -2.8781% | 7,573 |
| Core capital (leverage) ratio | -6.7483% | 7,573 |
| Tier 1 risk-based capital ratio | -7.9645% | 7,573 |
| Total risk-based capital ratio | -7.9645% | 7,573 |
| Memoranda: | ||
| Average total assets | $299,824,500 | 2,162 |
| Average earning assets | $278,244,500 | 2,127 |
| Average equity | $-7,985,000 | 7,574 |
| Average total loans | $256,461,000 | 1,687 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7869% | 5,463 |
| Cost of funding earning assets | 1.9915% | 627 |
| Net interest margin | 2.7954% | 7,034 |
| Noninterest income to average assets | -1.0315% | 7,627 |
| Noninterest expense to average assets | 2.9925% | 3,875 |
| Loan and lease loss provision to assets | 9.8501% | 6 |
| Net operating income to assets | -12.3654% | 7,647 |
| Return on assets (ROA) | -12.3596% | 7,647 |
| Pretax return on assets | -11.3267% | 7,647 |
| Return on Equity (ROE) | -249.9381% | 7,651 |
| Retained earnings to average equity (ytd only) | -249.9381% | 7,651 |
| Net charge-offs to loans | 7.6676% | 42 |
| Credit loss provision to net charge-offs | 155.8654% | 2,269 |
| Earnings coverage of net charge-offs (x) | -0.2346% | 6,307 |
| Efficiency ratio | 196.6435% | 94 |
| Assets per employee ($millions) | 4.4065% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5408% | 78 |
| Loan loss allowance to noncurrent loans | 21.5469% | 6,750 |
| Noncurrent assets plus other real estate owned to assets | 26.8731% | 17 |
| Noncurrent loans to loans | 30.3560% | 11 |
| Net loans and leases to total assets | 79.3385% | 751 |
| Net loans and leases to deposits | 78.9416% | 3,348 |
| Net loans and leases to core deposits | 84.8301% | 3,478 |
| Total domestic deposits to total assets | 100.5028% | 1 |
| Equity capital to assets | -2.4603% | 7,656 |
| Core capital (leverage) ratio | -2.3661% | 7,656 |
| Tier 1 risk-based capital ratio | -2.9607% | 7,656 |
| Total risk-based capital ratio | -2.9607% | 7,656 |
| Memoranda: | ||
| Average total assets | $343,296,200 | 1,904 |
| Average earning assets | $312,122,400 | 1,906 |
| Average equity | $16,976,200 | 3,593 |
| Average total loans | $282,942,800 | 1,579 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9075% | 5,229 |
| Cost of funding earning assets | 2.0337% | 677 |
| Net interest margin | 2.8739% | 7,046 |
| Noninterest income to average assets | -1.0969% | 7,738 |
| Noninterest expense to average assets | 2.9677% | 3,862 |
| Loan and lease loss provision to assets | 5.3653% | 71 |
| Net operating income to assets | -8.1716% | 7,729 |
| Return on assets (ROA) | -8.1716% | 7,730 |
| Pretax return on assets | -6.8285% | 7,707 |
| Return on Equity (ROE) | -124.4279% | 7,711 |
| Retained earnings to average equity (ytd only) | -124.4279% | 7,711 |
| Net charge-offs to loans | 5.8367% | 114 |
| Credit loss provision to net charge-offs | 112.2692% | 3,762 |
| Earnings coverage of net charge-offs (x) | -0.3062% | 6,251 |
| Efficiency ratio | 195.7452% | 92 |
| Assets per employee ($millions) | 5.0310% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3534% | 1,538 |
| Loan loss allowance to noncurrent loans | 13.1113% | 7,118 |
| Noncurrent assets plus other real estate owned to assets | 15.7197% | 133 |
| Noncurrent loans to loans | 17.9493% | 107 |
| Net loans and leases to total assets | 79.5017% | 825 |
| Net loans and leases to deposits | 84.2155% | 2,669 |
| Net loans and leases to core deposits | 92.0042% | 2,795 |
| Total domestic deposits to total assets | 94.4026% | 58 |
| Equity capital to assets | 3.9169% | 7,644 |
| Core capital (leverage) ratio | 3.8309% | 7,632 |
| Tier 1 risk-based capital ratio | 4.3859% | 7,671 |
| Total risk-based capital ratio | 5.6479% | 7,673 |
| Memoranda: | ||
| Average total assets | $352,007,000 | 1,884 |
| Average earning assets | $318,631,000 | 1,892 |
| Average equity | $23,117,500 | 2,787 |
| Average total loans | $288,216,250 | 1,568 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9246% | 5,289 |
| Cost of funding earning assets | 2.0997% | 658 |
| Net interest margin | 2.8249% | 7,113 |
| Noninterest income to average assets | -1.7596% | 7,818 |
| Noninterest expense to average assets | 3.1286% | 3,191 |
| Loan and lease loss provision to assets | 7.7910% | 27 |
| Net operating income to assets | -12.1450% | 7,817 |
| Return on assets (ROA) | -12.1450% | 7,817 |
| Pretax return on assets | -10.1490% | 7,809 |
| Return on Equity (ROE) | -163.7233% | 7,786 |
| Retained earnings to average equity (ytd only) | -163.7233% | 7,786 |
| Net charge-offs to loans | 7.8135% | 67 |
| Credit loss provision to net charge-offs | 121.5616% | 3,333 |
| Earnings coverage of net charge-offs (x) | -0.3679% | 5,962 |
| Efficiency ratio | 403.0679% | 21 |
| Assets per employee ($millions) | 4.5959% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6206% | 1,168 |
| Loan loss allowance to noncurrent loans | 20.8389% | 6,897 |
| Noncurrent assets plus other real estate owned to assets | 11.7714% | 282 |
| Noncurrent loans to loans | 12.5755% | 251 |
| Net loans and leases to total assets | 81.5308% | 591 |
| Net loans and leases to deposits | 86.6371% | 2,410 |
| Net loans and leases to core deposits | 93.9885% | 2,711 |
| Total domestic deposits to total assets | 94.1061% | 71 |
| Equity capital to assets | 3.8968% | 7,704 |
| Core capital (leverage) ratio | 3.6373% | 7,703 |
| Tier 1 risk-based capital ratio | 4.2091% | 7,739 |
| Total risk-based capital ratio | 5.4738% | 7,740 |
| Memoranda: | ||
| Average total assets | $355,307,330 | 1,884 |
| Average earning assets | $318,237,330 | 1,909 |
| Average equity | $26,356,670 | 2,465 |
| Average total loans | $291,443,330 | 1,574 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1586% | 4,251 |
| Cost of funding earning assets | 2.1470% | 692 |
| Net interest margin | 3.0116% | 6,807 |
| Noninterest income to average assets | -1.8473% | 7,920 |
| Noninterest expense to average assets | 2.5372% | 5,588 |
| Loan and lease loss provision to assets | 4.6072% | 177 |
| Net operating income to assets | -4.1608% | 7,724 |
| Return on assets (ROA) | -4.1608% | 7,730 |
| Pretax return on assets | -6.3464% | 7,818 |
| Return on Equity (ROE) | -45.8848% | 7,693 |
| Retained earnings to average equity (ytd only) | -45.8848% | 7,683 |
| Net charge-offs to loans | 0.6120% | 2,286 |
| Credit loss provision to net charge-offs | 926.8293% | 497 |
| Earnings coverage of net charge-offs (x) | -3.4989% | 5,511 |
| Efficiency ratio | 315.1934% | 38 |
| Assets per employee ($millions) | 5.1659% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9487% | 857 |
| Loan loss allowance to noncurrent loans | 67.3243% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 4.9810% | 1,294 |
| Noncurrent loans to loans | 4.3799% | 1,723 |
| Net loans and leases to total assets | 79.5122% | 904 |
| Net loans and leases to deposits | 88.3025% | 2,175 |
| Net loans and leases to core deposits | 96.5209% | 2,523 |
| Total domestic deposits to total assets | 90.0452% | 965 |
| Equity capital to assets | 8.5815% | 5,897 |
| Core capital (leverage) ratio | 7.5617% | 6,780 |
| Tier 1 risk-based capital ratio | 8.3663% | 7,570 |
| Total risk-based capital ratio | 9.6343% | 7,585 |
| Memoranda: | ||
| Average total assets | $362,913,000 | 1,887 |
| Average earning assets | $318,771,000 | 1,957 |
| Average equity | $32,908,500 | 2,043 |
| Average total loans | $294,792,500 | 1,596 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2964% | 5,192 |
| Cost of funding earning assets | 2.6865% | 614 |
| Net interest margin | 2.6099% | 7,325 |
| Noninterest income to average assets | -0.1823% | 7,850 |
| Noninterest expense to average assets | 2.9214% | 4,459 |
| Loan and lease loss provision to assets | 1.1424% | 1,994 |
| Net operating income to assets | -1.2046% | 6,713 |
| Return on assets (ROA) | -1.1920% | 6,703 |
| Pretax return on assets | -1.9245% | 6,907 |
| Return on Equity (ROE) | -8.2008% | 6,483 |
| Retained earnings to average equity (ytd only) | -8.2008% | 6,362 |
| Net charge-offs to loans | 0.2489% | 5,066 |
| Credit loss provision to net charge-offs | 553.9419% | 543 |
| Earnings coverage of net charge-offs (x) | -3.8880% | 7,083 |
| Efficiency ratio | 121.9217% | 576 |
| Assets per employee ($millions) | 6.7695% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1663% | 1,706 |
| Loan loss allowance to noncurrent loans | 75.9736% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 2.9956% | 2,339 |
| Noncurrent loans to loans | 2.8514% | 2,700 |
| Net loans and leases to total assets | 80.8288% | 861 |
| Net loans and leases to deposits | 96.2353% | 1,306 |
| Net loans and leases to core deposits | 130.3288% | 1,263 |
| Total domestic deposits to total assets | 83.9908% | 4,025 |
| Equity capital to assets | 12.5447% | 1,727 |
| Core capital (leverage) ratio | 12.8657% | 1,292 |
| Tier 1 risk-based capital ratio | 12.2985% | 4,687 |
| Total risk-based capital ratio | 13.5559% | 4,638 |
| Memoranda: | ||
| Average total assets | $116,863,400 | 4,665 |
| Average earning assets | $103,070,400 | 4,757 |
| Average equity | $16,986,200 | 3,675 |
| Average total loans | $96,822,400 | 4,040 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4735% | 4,561 |
| Cost of funding earning assets | 2.8572% | 520 |
| Net interest margin | 2.6164% | 7,332 |
| Noninterest income to average assets | -0.3675% | 8,024 |
| Noninterest expense to average assets | 2.6028% | 5,704 |
| Loan and lease loss provision to assets | 1.5097% | 1,269 |
| Net operating income to assets | -1.3655% | 7,044 |
| Return on assets (ROA) | -1.3482% | 7,033 |
| Pretax return on assets | -2.1640% | 7,237 |
| Return on Equity (ROE) | -8.9305% | 6,806 |
| Retained earnings to average equity (ytd only) | -8.9305% | 6,697 |
| Net charge-offs to loans | 0.2950% | 4,181 |
| Credit loss provision to net charge-offs | 617.2249% | 615 |
| Earnings coverage of net charge-offs (x) | -2.7847% | 6,794 |
| Efficiency ratio | 132.4604% | 448 |
| Assets per employee ($millions) | 5.8738% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3958% | 1,173 |
| Loan loss allowance to noncurrent loans | 83.9384% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 3.4033% | 1,963 |
| Noncurrent loans to loans | 2.8542% | 2,661 |
| Net loans and leases to total assets | 79.3820% | 1,306 |
| Net loans and leases to deposits | 96.6162% | 1,500 |
| Net loans and leases to core deposits | 129.2914% | 1,477 |
| Total domestic deposits to total assets | 82.1622% | 4,608 |
| Equity capital to assets | 13.9621% | 1,319 |
| Core capital (leverage) ratio | 12.7302% | 1,486 |
| Tier 1 risk-based capital ratio | 14.2091% | 3,437 |
| Total risk-based capital ratio | 15.4708% | 3,376 |
| Memoranda: | ||
| Average total assets | $113,924,250 | 4,747 |
| Average earning assets | $99,677,250 | 4,875 |
| Average equity | $17,199,000 | 3,662 |
| Average total loans | $94,462,000 | 4,134 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4339% | 4,977 |
| Cost of funding earning assets | 2.9572% | 524 |
| Net interest margin | 2.4767% | 7,507 |
| Noninterest income to average assets | 0.1171% | 7,402 |
| Noninterest expense to average assets | 2.4765% | 6,196 |
| Loan and lease loss provision to assets | 0.5056% | 3,009 |
| Net operating income to assets | -0.4182% | 6,465 |
| Return on assets (ROA) | -0.3921% | 6,449 |
| Pretax return on assets | -0.6475% | 6,564 |
| Return on Equity (ROE) | -2.5308% | 6,299 |
| Retained earnings to average equity (ytd only) | -2.5308% | 5,873 |
| Net charge-offs to loans | 0.1594% | 4,604 |
| Credit loss provision to net charge-offs | 380.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | -1.3733% | 6,302 |
| Efficiency ratio | 105.4138% | 985 |
| Assets per employee ($millions) | 5.3593% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 3,606 |
| Loan loss allowance to noncurrent loans | 44.1607% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 3.7242% | 1,647 |
| Noncurrent loans to loans | 3.2238% | 2,210 |
| Net loans and leases to total assets | 83.2747% | 746 |
| Net loans and leases to deposits | 103.3962% | 955 |
| Net loans and leases to core deposits | 139.7293% | 1,022 |
| Total domestic deposits to total assets | 80.5394% | 5,256 |
| Equity capital to assets | 14.6932% | 1,109 |
| Core capital (leverage) ratio | 14.3075% | 1,066 |
| Tier 1 risk-based capital ratio | 14.3895% | 3,309 |
| Total risk-based capital ratio | 15.6394% | 3,249 |
| Memoranda: | ||
| Average total assets | $112,740,670 | 4,811 |
| Average earning assets | $99,081,670 | 4,919 |
| Average equity | $17,464,670 | 3,624 |
| Average total loans | $94,101,670 | 4,166 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6192% | 4,245 |
| Cost of funding earning assets | 3.0201% | 580 |
| Net interest margin | 2.5991% | 7,367 |
| Noninterest income to average assets | 0.1307% | 7,356 |
| Noninterest expense to average assets | 2.5454% | 5,665 |
| Loan and lease loss provision to assets | 0.3450% | 3,255 |
| Net operating income to assets | -0.2651% | 6,640 |
| Return on assets (ROA) | -0.2651% | 6,717 |
| Pretax return on assets | -0.4285% | 6,763 |
| Return on Equity (ROE) | -1.6652% | 6,625 |
| Retained earnings to average equity (ytd only) | -1.6652% | 6,032 |
| Net charge-offs to loans | 0.2189% | 3,327 |
| Credit loss provision to net charge-offs | 190.0000% | 2,313 |
| Earnings coverage of net charge-offs (x) | -0.4600% | 5,238 |
| Efficiency ratio | 101.0324% | 1,086 |
| Assets per employee ($millions) | 5.4139% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 3,815 |
| Loan loss allowance to noncurrent loans | 34.2256% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 3.8622% | 1,362 |
| Noncurrent loans to loans | 3.9346% | 1,545 |
| Net loans and leases to total assets | 80.7383% | 1,245 |
| Net loans and leases to deposits | 100.2632% | 1,378 |
| Net loans and leases to core deposits | 137.0659% | 1,243 |
| Total domestic deposits to total assets | 80.5263% | 5,160 |
| Equity capital to assets | 15.4189% | 982 |
| Core capital (leverage) ratio | 15.4500% | 874 |
| Tier 1 risk-based capital ratio | 16.0600% | 2,672 |
| Total risk-based capital ratio | 17.2600% | 2,623 |
| Memoranda: | ||
| Average total assets | $110,158,500 | 4,903 |
| Average earning assets | $98,804,000 | 4,952 |
| Average equity | $17,535,000 | 3,630 |
| Average total loans | $91,351,000 | 4,277 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0902% | 5,100 |
| Cost of funding earning assets | 3.0746% | 1,592 |
| Net interest margin | 3.0156% | 6,868 |
| Noninterest income to average assets | 0.1442% | 7,379 |
| Noninterest expense to average assets | 2.7442% | 5,075 |
| Loan and lease loss provision to assets | 0.7953% | 1,868 |
| Net operating income to assets | -0.3923% | 6,817 |
| Return on assets (ROA) | -0.3799% | 6,678 |
| Pretax return on assets | -0.6790% | 6,795 |
| Return on Equity (ROE) | -1.9908% | 6,499 |
| Retained earnings to average equity (ytd only) | -1.9908% | 5,864 |
| Net charge-offs to loans | 0.3211% | 3,254 |
| Credit loss provision to net charge-offs | 309.2050% | 1,460 |
| Earnings coverage of net charge-offs (x) | 0.3766% | 6,007 |
| Efficiency ratio | 94.1288% | 1,269 |
| Assets per employee ($millions) | 5.0774% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 3,491 |
| Loan loss allowance to noncurrent loans | 39.8417% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 2.8436% | 1,648 |
| Noncurrent loans to loans | 3.3818% | 1,522 |
| Net loans and leases to total assets | 82.9524% | 1,054 |
| Net loans and leases to deposits | 104.6561% | 1,274 |
| Net loans and leases to core deposits | 143.6054% | 1,107 |
| Total domestic deposits to total assets | 79.2619% | 5,281 |
| Equity capital to assets | 16.4502% | 846 |
| Core capital (leverage) ratio | 15.9835% | 829 |
| Tier 1 risk-based capital ratio | 16.5271% | 2,477 |
| Total risk-based capital ratio | 17.7142% | 2,433 |
| Memoranda: | ||
| Average total assets | $92,924,000 | 5,264 |
| Average earning assets | $83,101,000 | 5,326 |
| Average equity | $17,732,000 | 3,605 |
| Average total loans | $74,426,000 | 4,721 |