Home > First Commercial Bank > Performance and Condition Ratios
First Commercial Bank, Performance and Condition Ratios
| 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 | 3.8885% | 7,529 |
| Cost of funding earning assets | 0.9511% | 6,575 |
| Net interest margin | 2.9374% | 6,958 |
| Noninterest income to average assets | 1.7937% | 402 |
| Noninterest expense to average assets | 2.9712% | 3,776 |
| Loan and lease loss provision to assets | 0.5516% | 2,294 |
| Net operating income to assets | 0.5982% | 3,904 |
| Return on assets (ROA) | 0.5982% | 4,051 |
| Pretax return on assets | 1.0067% | 3,070 |
| Return on Equity (ROE) | 5.8636% | 3,939 |
| Retained earnings to average equity (ytd only) | 0.1723% | 5,751 |
| Net charge-offs to loans | 0.0516% | 4,890 |
| Credit loss provision to net charge-offs | 1,373.6318% | 360 |
| Earnings coverage of net charge-offs (x) | 38.8060% | 710 |
| Efficiency ratio | 65.5963% | 5,206 |
| Assets per employee ($millions) | 4.4469% | 3,048 |
| Cash dividends to net income (ytd only)* | 97.0608% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5203% | 1,266 |
| Loan loss allowance to noncurrent loans | 68.2112% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 3.4240% | 2,059 |
| Noncurrent loans to loans | 3.6948% | 2,156 |
| Net loans and leases to total assets | 73.0756% | 2,182 |
| Net loans and leases to deposits | 84.3161% | 2,884 |
| Net loans and leases to core deposits | 123.0750% | 670 |
| Total domestic deposits to total assets | 84.2863% | 3,999 |
| Equity capital to assets | 10.1236% | 3,713 |
| Core capital (leverage) ratio | 10.3483% | 2,765 |
| Tier 1 risk-based capital ratio | 11.9999% | 5,195 |
| Total risk-based capital ratio | 13.2628% | 5,146 |
| Memoranda: | ||
| Average total assets | $2,002,145,500 | 354 |
| Average earning assets | $1,864,783,500 | 342 |
| Average equity | $204,242,500 | 343 |
| Average total loans | $1,557,386,500 | 310 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3552% | 7,516 |
| Cost of funding earning assets | 1.1634% | 6,787 |
| Net interest margin | 3.1917% | 6,120 |
| Noninterest income to average assets | 2.3213% | 308 |
| Noninterest expense to average assets | 3.1471% | 3,559 |
| Loan and lease loss provision to assets | 1.5495% | 1,488 |
| Net operating income to assets | 0.4063% | 4,104 |
| Return on assets (ROA) | 0.4477% | 4,057 |
| Pretax return on assets | 0.6914% | 3,603 |
| Return on Equity (ROE) | 4.4976% | 3,883 |
| Retained earnings to average equity (ytd only) | 0.6709% | 4,528 |
| Net charge-offs to loans | 1.7211% | 1,461 |
| Credit loss provision to net charge-offs | 107.8660% | 5,135 |
| Earnings coverage of net charge-offs (x) | 1.5156% | 4,612 |
| Efficiency ratio | 59.1079% | 6,607 |
| Assets per employee ($millions) | 4.5433% | 2,847 |
| Cash dividends to net income (ytd only)* | 85.0839% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2221% | 1,605 |
| Loan loss allowance to noncurrent loans | 53.9169% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 4.1173% | 1,594 |
| Noncurrent loans to loans | 4.1213% | 1,784 |
| Net loans and leases to total assets | 78.8622% | 1,212 |
| Net loans and leases to deposits | 90.2878% | 2,178 |
| Net loans and leases to core deposits | 106.5668% | 3,264 |
| Total domestic deposits to total assets | 84.3242% | 3,877 |
| Equity capital to assets | 10.2801% | 3,424 |
| Core capital (leverage) ratio | 9.0073% | 4,406 |
| Tier 1 risk-based capital ratio | 11.3464% | 5,571 |
| Total risk-based capital ratio | 12.5969% | 5,518 |
| Memoranda: | ||
| Average total assets | $2,090,289,800 | 340 |
| Average earning assets | $1,966,680,800 | 325 |
| Average equity | $208,087,000 | 342 |
| Average total loans | $1,744,728,400 | 295 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3544% | 7,636 |
| Cost of funding earning assets | 1.1859% | 6,930 |
| Net interest margin | 3.1685% | 6,120 |
| Noninterest income to average assets | 2.4094% | 279 |
| Noninterest expense to average assets | 3.1074% | 3,624 |
| Loan and lease loss provision to assets | 1.6155% | 1,170 |
| Net operating income to assets | 0.4349% | 4,259 |
| Return on assets (ROA) | 0.4887% | 4,127 |
| Pretax return on assets | 0.7606% | 3,665 |
| Return on Equity (ROE) | 4.9466% | 3,986 |
| Retained earnings to average equity (ytd only) | 4.7074% | 2,652 |
| Net charge-offs to loans | 1.8785% | 1,073 |
| Credit loss provision to net charge-offs | 102.2203% | 4,981 |
| Earnings coverage of net charge-offs (x) | 1.4504% | 4,697 |
| Efficiency ratio | 57.5497% | 6,781 |
| Assets per employee ($millions) | 4.7406% | 2,488 |
| Cash dividends to net income (ytd only)* | 4.8344% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0174% | 1,761 |
| Loan loss allowance to noncurrent loans | 40.3343% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 4.3488% | 1,418 |
| Noncurrent loans to loans | 5.0016% | 1,324 |
| Net loans and leases to total assets | 79.9237% | 1,184 |
| Net loans and leases to deposits | 97.8573% | 1,346 |
| Net loans and leases to core deposits | 120.4302% | 2,209 |
| Total domestic deposits to total assets | 78.6474% | 5,914 |
| Equity capital to assets | 10.2763% | 3,757 |
| Core capital (leverage) ratio | 9.3473% | 4,119 |
| Tier 1 risk-based capital ratio | 10.8362% | 6,120 |
| Total risk-based capital ratio | 12.0927% | 6,068 |
| Memoranda: | ||
| Average total assets | $2,116,508,250 | 346 |
| Average earning assets | $1,997,262,750 | 336 |
| Average equity | $209,083,000 | 355 |
| Average total loans | $1,780,579,250 | 302 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3596% | 7,746 |
| Cost of funding earning assets | 1.2113% | 7,073 |
| Net interest margin | 3.1483% | 6,095 |
| Noninterest income to average assets | 2.8689% | 226 |
| Noninterest expense to average assets | 3.1909% | 3,365 |
| Loan and lease loss provision to assets | 1.0908% | 1,573 |
| Net operating income to assets | 0.9852% | 2,164 |
| Return on assets (ROA) | 0.9852% | 2,260 |
| Pretax return on assets | 1.5573% | 1,312 |
| Return on Equity (ROE) | 10.1034% | 1,988 |
| Retained earnings to average equity (ytd only) | 9.9231% | 753 |
| Net charge-offs to loans | 1.2954% | 1,428 |
| Credit loss provision to net charge-offs | 99.1243% | 4,645 |
| Earnings coverage of net charge-offs (x) | 2.4065% | 3,861 |
| Efficiency ratio | 54.6481% | 7,262 |
| Assets per employee ($millions) | 5.0991% | 1,967 |
| Cash dividends to net income (ytd only)* | 1.7852% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7298% | 2,246 |
| Loan loss allowance to noncurrent loans | 47.1578% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 3.4371% | 1,815 |
| Noncurrent loans to loans | 3.6682% | 1,896 |
| Net loans and leases to total assets | 84.2399% | 600 |
| Net loans and leases to deposits | 115.6081% | 343 |
| Net loans and leases to core deposits | 146.0361% | 757 |
| Total domestic deposits to total assets | 69.9383% | 7,480 |
| Equity capital to assets | 9.5737% | 4,519 |
| Core capital (leverage) ratio | 9.3860% | 4,048 |
| Tier 1 risk-based capital ratio | 10.2190% | 6,688 |
| Total risk-based capital ratio | 11.4743% | 6,613 |
| Memoranda: | ||
| Average total assets | $2,137,785,670 | 348 |
| Average earning assets | $2,016,704,670 | 341 |
| Average equity | $208,464,000 | 361 |
| Average total loans | $1,815,988,000 | 306 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4652% | 7,749 |
| Cost of funding earning assets | 1.2857% | 7,062 |
| Net interest margin | 3.1796% | 5,926 |
| Noninterest income to average assets | 2.4257% | 261 |
| Noninterest expense to average assets | 3.0911% | 3,408 |
| Loan and lease loss provision to assets | 1.0678% | 1,228 |
| Net operating income to assets | 0.8027% | 3,119 |
| Return on assets (ROA) | 0.8027% | 3,275 |
| Pretax return on assets | 1.2643% | 2,394 |
| Return on Equity (ROE) | 8.1521% | 3,071 |
| Retained earnings to average equity (ytd only) | 8.1521% | 1,752 |
| Net charge-offs to loans | 1.0476% | 1,294 |
| Credit loss provision to net charge-offs | 120.5749% | 3,265 |
| Earnings coverage of net charge-offs (x) | 2.6335% | 3,441 |
| Efficiency ratio | 56.9982% | 6,831 |
| Assets per employee ($millions) | 4.7385% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8401% | 1,758 |
| Loan loss allowance to noncurrent loans | 46.5883% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 3.7538% | 1,408 |
| Noncurrent loans to loans | 3.9497% | 1,532 |
| Net loans and leases to total assets | 85.3002% | 519 |
| Net loans and leases to deposits | 108.9895% | 669 |
| Net loans and leases to core deposits | 144.2196% | 924 |
| Total domestic deposits to total assets | 75.0496% | 6,706 |
| Equity capital to assets | 9.7330% | 4,327 |
| Core capital (leverage) ratio | 9.5179% | 3,954 |
| Tier 1 risk-based capital ratio | 9.5617% | 7,376 |
| Total risk-based capital ratio | 10.8158% | 7,311 |
| Memoranda: | ||
| Average total assets | $2,089,985,000 | 361 |
| Average earning assets | $1,970,338,000 | 345 |
| Average equity | $205,787,500 | 358 |
| Average total loans | $1,766,721,000 | 316 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6107% | 7,031 |
| Cost of funding earning assets | 2.0532% | 6,225 |
| Net interest margin | 3.5575% | 5,068 |
| Noninterest income to average assets | 1.9837% | 348 |
| Noninterest expense to average assets | 2.8992% | 4,454 |
| Loan and lease loss provision to assets | 1.2678% | 1,128 |
| Net operating income to assets | 0.7946% | 3,458 |
| Return on assets (ROA) | 0.7946% | 3,301 |
| Pretax return on assets | 1.1693% | 2,769 |
| Return on Equity (ROE) | 7.7373% | 3,181 |
| Retained earnings to average equity (ytd only) | -0.1669% | 5,327 |
| Net charge-offs to loans | 0.8022% | 1,554 |
| Credit loss provision to net charge-offs | 187.9695% | 2,632 |
| Earnings coverage of net charge-offs (x) | 3.6134% | 4,293 |
| Efficiency ratio | 54.3296% | 7,235 |
| Assets per employee ($millions) | 4.4123% | 2,765 |
| Cash dividends to net income (ytd only)* | 102.1577% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9818% | 1,260 |
| Loan loss allowance to noncurrent loans | 76.3210% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 2.4281% | 2,000 |
| Noncurrent loans to loans | 2.5966% | 2,088 |
| Net loans and leases to total assets | 80.4309% | 1,566 |
| Net loans and leases to deposits | 97.2436% | 2,243 |
| Net loans and leases to core deposits | 134.8413% | 1,545 |
| Total domestic deposits to total assets | 78.0779% | 5,688 |
| Equity capital to assets | 9.9649% | 4,078 |
| Core capital (leverage) ratio | 9.9158% | 3,531 |
| Tier 1 risk-based capital ratio | 9.3463% | 7,467 |
| Total risk-based capital ratio | 10.5969% | 7,396 |
| Memoranda: | ||
| Average total assets | $1,942,322,000 | 370 |
| Average earning assets | $1,830,462,800 | 354 |
| Average equity | $199,462,600 | 375 |
| Average total loans | $1,633,041,000 | 327 |