Home > First Commercial Bank of Huntsville > Performance and Condition Ratios
First Commercial Bank of Huntsville, 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 | 4.4687% | 6,857 |
| Cost of funding earning assets | 1.0754% | 6,019 |
| Net interest margin | 3.3933% | 5,609 |
| Noninterest income to average assets | 0.4417% | 4,546 |
| Noninterest expense to average assets | 1.9017% | 7,327 |
| Loan and lease loss provision to assets | 1.1456% | 1,070 |
| Net operating income to assets | 0.3639% | 5,004 |
| Return on assets (ROA) | 0.3639% | 5,129 |
| Pretax return on assets | 0.6109% | 4,563 |
| Return on Equity (ROE) | 4.5179% | 4,648 |
| Retained earnings to average equity (ytd only) | -6.5439% | 6,694 |
| Net charge-offs to loans | 1.5851% | 1,097 |
| Credit loss provision to net charge-offs | 101.8868% | 3,340 |
| Earnings coverage of net charge-offs (x) | 1.5622% | 3,794 |
| Efficiency ratio | 51.9851% | 7,157 |
| Assets per employee ($millions) | 8.7390% | 383 |
| Cash dividends to net income (ytd only)* | 244.8430% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7305% | 1,054 |
| Loan loss allowance to noncurrent loans | 91.8670% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 2.9686% | 2,420 |
| Noncurrent loans to loans | 2.9722% | 2,703 |
| Net loans and leases to total assets | 67.8214% | 3,435 |
| Net loans and leases to deposits | 79.7328% | 3,704 |
| Net loans and leases to core deposits | 93.8560% | 2,856 |
| Total domestic deposits to total assets | 85.0608% | 3,647 |
| Equity capital to assets | 7.9073% | 6,750 |
| Core capital (leverage) ratio | 7.8312% | 6,459 |
| Tier 1 risk-based capital ratio | 9.2087% | 7,421 |
| Total risk-based capital ratio | 10.4715% | 7,422 |
| Memoranda: | ||
| Average total assets | $735,345,500 | 940 |
| Average earning assets | $697,023,000 | 900 |
| Average equity | $59,230,500 | 1,121 |
| Average total loans | $521,623,500 | 898 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0556% | 6,242 |
| Cost of funding earning assets | 1.2691% | 6,410 |
| Net interest margin | 3.7865% | 3,768 |
| Noninterest income to average assets | 0.5433% | 4,084 |
| Noninterest expense to average assets | 1.9063% | 7,494 |
| Loan and lease loss provision to assets | 0.9071% | 2,481 |
| Net operating income to assets | 0.8226% | 2,440 |
| Return on assets (ROA) | 0.8691% | 2,345 |
| Pretax return on assets | 1.3986% | 1,440 |
| Return on Equity (ROE) | 9.7542% | 1,759 |
| Retained earnings to average equity (ytd only) | -1.4323% | 5,377 |
| Net charge-offs to loans | 0.3534% | 4,463 |
| Credit loss provision to net charge-offs | 332.7448% | 980 |
| Earnings coverage of net charge-offs (x) | 8.1910% | 1,981 |
| Efficiency ratio | 46.0552% | 7,710 |
| Assets per employee ($millions) | 8.5632% | 406 |
| Cash dividends to net income (ytd only)* | 114.6837% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6847% | 1,029 |
| Loan loss allowance to noncurrent loans | 118.4827% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 1.9697% | 3,436 |
| Noncurrent loans to loans | 2.2659% | 3,321 |
| Net loans and leases to total assets | 70.2338% | 3,203 |
| Net loans and leases to deposits | 82.9681% | 3,457 |
| Net loans and leases to core deposits | 104.6322% | 3,501 |
| Total domestic deposits to total assets | 84.6516% | 3,731 |
| Equity capital to assets | 8.2053% | 6,336 |
| Core capital (leverage) ratio | 8.2084% | 5,795 |
| Tier 1 risk-based capital ratio | 9.6893% | 7,106 |
| Total risk-based capital ratio | 10.9530% | 7,075 |
| Memoranda: | ||
| Average total assets | $685,621,800 | 1,001 |
| Average earning assets | $651,101,400 | 958 |
| Average equity | $61,091,600 | 1,086 |
| Average total loans | $528,831,800 | 906 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1195% | 6,202 |
| Cost of funding earning assets | 1.3057% | 6,541 |
| Net interest margin | 3.8137% | 3,599 |
| Noninterest income to average assets | 0.5493% | 4,083 |
| Noninterest expense to average assets | 1.9042% | 7,541 |
| Loan and lease loss provision to assets | 0.9514% | 2,025 |
| Net operating income to assets | 0.8362% | 2,671 |
| Return on assets (ROA) | 0.8993% | 2,495 |
| Pretax return on assets | 1.4155% | 1,651 |
| Return on Equity (ROE) | 9.8814% | 1,962 |
| Retained earnings to average equity (ytd only) | 0.3668% | 5,044 |
| Net charge-offs to loans | 0.4407% | 3,481 |
| Credit loss provision to net charge-offs | 275.0999% | 1,541 |
| Earnings coverage of net charge-offs (x) | 6.5591% | 2,581 |
| Efficiency ratio | 45.6357% | 7,784 |
| Assets per employee ($millions) | 8.3844% | 446 |
| Cash dividends to net income (ytd only)* | 96.2883% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4394% | 1,123 |
| Loan loss allowance to noncurrent loans | 110.3849% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 2.0147% | 3,323 |
| Noncurrent loans to loans | 2.2099% | 3,367 |
| Net loans and leases to total assets | 71.9391% | 3,048 |
| Net loans and leases to deposits | 85.5186% | 3,412 |
| Net loans and leases to core deposits | 106.5813% | 3,634 |
| Total domestic deposits to total assets | 84.1210% | 3,666 |
| Equity capital to assets | 8.6012% | 6,115 |
| Core capital (leverage) ratio | 8.6384% | 5,243 |
| Tier 1 risk-based capital ratio | 9.7371% | 7,207 |
| Total risk-based capital ratio | 10.9979% | 7,159 |
| Memoranda: | ||
| Average total assets | $675,059,250 | 1,029 |
| Average earning assets | $641,354,250 | 986 |
| Average equity | $61,433,500 | 1,097 |
| Average total loans | $529,711,000 | 912 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1843% | 6,136 |
| Cost of funding earning assets | 1.3386% | 6,680 |
| Net interest margin | 3.8457% | 3,354 |
| Noninterest income to average assets | 0.5660% | 3,921 |
| Noninterest expense to average assets | 1.9036% | 7,622 |
| Loan and lease loss provision to assets | 0.7462% | 2,199 |
| Net operating income to assets | 0.9883% | 2,150 |
| Return on assets (ROA) | 0.9883% | 2,249 |
| Pretax return on assets | 1.5580% | 1,309 |
| Return on Equity (ROE) | 10.6508% | 1,803 |
| Retained earnings to average equity (ytd only) | 1.1354% | 4,701 |
| Net charge-offs to loans | 0.1525% | 4,668 |
| Credit loss provision to net charge-offs | 610.3704% | 755 |
| Earnings coverage of net charge-offs (x) | 18.8469% | 1,391 |
| Efficiency ratio | 45.2400% | 7,877 |
| Assets per employee ($millions) | 7.8842% | 517 |
| Cash dividends to net income (ytd only)* | 89.3403% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2455% | 1,172 |
| Loan loss allowance to noncurrent loans | 123.1122% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 1.7250% | 3,599 |
| Noncurrent loans to loans | 1.8240% | 3,775 |
| Net loans and leases to total assets | 76.7822% | 1,995 |
| Net loans and leases to deposits | 92.4920% | 2,375 |
| Net loans and leases to core deposits | 122.8452% | 2,128 |
| Total domestic deposits to total assets | 83.0149% | 4,226 |
| Equity capital to assets | 9.1719% | 5,064 |
| Core capital (leverage) ratio | 8.9222% | 4,754 |
| Tier 1 risk-based capital ratio | 9.6488% | 7,277 |
| Total risk-based capital ratio | 10.9072% | 7,212 |
| Memoranda: | ||
| Average total assets | $662,522,000 | 1,072 |
| Average earning assets | $627,395,000 | 1,029 |
| Average equity | $61,478,670 | 1,110 |
| Average total loans | $531,112,000 | 929 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1875% | 6,341 |
| Cost of funding earning assets | 1.3525% | 6,867 |
| Net interest margin | 3.8351% | 3,317 |
| Noninterest income to average assets | 0.5477% | 3,945 |
| Noninterest expense to average assets | 1.7774% | 7,724 |
| Loan and lease loss provision to assets | 0.7730% | 1,666 |
| Net operating income to assets | 1.0414% | 2,161 |
| Return on assets (ROA) | 1.0414% | 2,292 |
| Pretax return on assets | 1.6426% | 1,309 |
| Return on Equity (ROE) | 11.1572% | 1,924 |
| Retained earnings to average equity (ytd only) | 1.6134% | 4,941 |
| Net charge-offs to loans | 0.3224% | 2,805 |
| Credit loss provision to net charge-offs | 296.0465% | 1,645 |
| Earnings coverage of net charge-offs (x) | 9.2512% | 2,080 |
| Efficiency ratio | 42.3896% | 7,988 |
| Assets per employee ($millions) | 7.3259% | 667 |
| Cash dividends to net income (ytd only)* | 85.5394% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9722% | 1,476 |
| Loan loss allowance to noncurrent loans | 108.6435% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 1.5195% | 3,656 |
| Noncurrent loans to loans | 1.8153% | 3,541 |
| Net loans and leases to total assets | 79.0030% | 1,581 |
| Net loans and leases to deposits | 98.6721% | 1,574 |
| Net loans and leases to core deposits | 132.6404% | 1,492 |
| Total domestic deposits to total assets | 80.0662% | 5,345 |
| Equity capital to assets | 9.2435% | 5,021 |
| Core capital (leverage) ratio | 9.1193% | 4,523 |
| Tier 1 risk-based capital ratio | 9.5173% | 7,413 |
| Total risk-based capital ratio | 10.7729% | 7,356 |
| Memoranda: | ||
| Average total assets | $658,706,500 | 1,080 |
| Average earning assets | $626,118,000 | 1,027 |
| Average equity | $61,485,000 | 1,114 |
| Average total loans | $533,479,000 | 938 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0202% | 5,449 |
| Cost of funding earning assets | 2.2641% | 5,315 |
| Net interest margin | 3.7561% | 4,198 |
| Noninterest income to average assets | 0.6011% | 3,839 |
| Noninterest expense to average assets | 1.8135% | 7,740 |
| Loan and lease loss provision to assets | 0.4544% | 3,017 |
| Net operating income to assets | 1.1918% | 1,799 |
| Return on assets (ROA) | 1.1918% | 1,730 |
| Pretax return on assets | 1.8659% | 820 |
| Return on Equity (ROE) | 12.9745% | 1,333 |
| Retained earnings to average equity (ytd only) | 3.1376% | 3,203 |
| Net charge-offs to loans | 0.1357% | 4,866 |
| Credit loss provision to net charge-offs | 413.7447% | 1,053 |
| Earnings coverage of net charge-offs (x) | 21.1262% | 1,545 |
| Efficiency ratio | 43.8702% | 8,018 |
| Assets per employee ($millions) | 6.9229% | 730 |
| Cash dividends to net income (ytd only)* | 75.8175% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8413% | 1,546 |
| Loan loss allowance to noncurrent loans | 241.4707% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.7802% | 4,894 |
| Noncurrent loans to loans | 0.7625% | 5,127 |
| Net loans and leases to total assets | 79.8963% | 1,687 |
| Net loans and leases to deposits | 99.6430% | 1,878 |
| Net loans and leases to core deposits | 134.5480% | 1,564 |
| Total domestic deposits to total assets | 80.1826% | 4,949 |
| Equity capital to assets | 9.4271% | 4,791 |
| Core capital (leverage) ratio | 8.9489% | 4,813 |
| Tier 1 risk-based capital ratio | 9.5244% | 7,279 |
| Total risk-based capital ratio | 10.7785% | 7,196 |
| Memoranda: | ||
| Average total assets | $649,183,200 | 1,033 |
| Average earning assets | $610,581,200 | 995 |
| Average equity | $59,632,400 | 1,131 |
| Average total loans | $525,316,600 | 901 |