Home > First Community Bank > Performance and Condition Ratios
First Community Bank, Performance and Condition Ratios
| 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 | 4.2887% | 6,808 |
| Cost of funding earning assets | 1.3043% | 3,855 |
| Net interest margin | 2.9844% | 6,756 |
| Noninterest income to average assets | -0.1455% | 7,435 |
| Noninterest expense to average assets | 3.3637% | 2,543 |
| Loan and lease loss provision to assets | 3.9993% | 159 |
| Net operating income to assets | -4.7816% | 7,519 |
| Return on assets (ROA) | -4.5077% | 7,503 |
| Pretax return on assets | -4.4780% | 7,495 |
| Return on Equity (ROE) | -131.8409% | 7,627 |
| Retained earnings to average equity (ytd only) | -131.8409% | 7,627 |
| Net charge-offs to loans | 6.6042% | 72 |
| Credit loss provision to net charge-offs | 87.0086% | 5,242 |
| Earnings coverage of net charge-offs (x) | -0.1637% | 6,266 |
| Efficiency ratio | 127.2470% | 341 |
| Assets per employee ($millions) | 4.5682% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3952% | 51 |
| Loan loss allowance to noncurrent loans | 43.0208% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 13.9956% | 195 |
| Noncurrent loans to loans | 17.1898% | 105 |
| Net loans and leases to total assets | 65.0713% | 3,650 |
| Net loans and leases to deposits | 77.0549% | 3,672 |
| Net loans and leases to core deposits | 86.4268% | 3,262 |
| Total domestic deposits to total assets | 84.4479% | 4,149 |
| Equity capital to assets | 1.5780% | 7,620 |
| Core capital (leverage) ratio | 1.1861% | 7,629 |
| Tier 1 risk-based capital ratio | 1.7839% | 7,625 |
| Total risk-based capital ratio | 3.1129% | 7,623 |
| Memoranda: | ||
| Average total assets | $2,542,937,400 | 281 |
| Average earning assets | $2,348,869,600 | 274 |
| Average equity | $86,944,200 | 768 |
| Average total loans | $1,769,856,000 | 268 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3444% | 6,903 |
| Cost of funding earning assets | 1.3461% | 3,928 |
| Net interest margin | 2.9984% | 6,838 |
| Noninterest income to average assets | -0.0464% | 7,497 |
| Noninterest expense to average assets | 3.2804% | 2,629 |
| Loan and lease loss provision to assets | 4.7321% | 108 |
| Net operating income to assets | -5.3261% | 7,668 |
| Return on assets (ROA) | -4.9737% | 7,651 |
| Pretax return on assets | -4.9380% | 7,635 |
| Return on Equity (ROE) | -130.8273% | 7,718 |
| Retained earnings to average equity (ytd only) | -130.8273% | 7,718 |
| Net charge-offs to loans | 7.4799% | 52 |
| Credit loss provision to net charge-offs | 91.0793% | 4,725 |
| Earnings coverage of net charge-offs (x) | -0.1075% | 6,116 |
| Efficiency ratio | 119.0497% | 408 |
| Assets per employee ($millions) | 4.6814% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3042% | 53 |
| Loan loss allowance to noncurrent loans | 46.0232% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 13.7394% | 201 |
| Noncurrent loans to loans | 15.8707% | 144 |
| Net loans and leases to total assets | 65.4844% | 3,804 |
| Net loans and leases to deposits | 77.8956% | 3,846 |
| Net loans and leases to core deposits | 87.8947% | 3,383 |
| Total domestic deposits to total assets | 84.0669% | 4,087 |
| Equity capital to assets | 2.2527% | 7,719 |
| Core capital (leverage) ratio | 1.7307% | 7,723 |
| Tier 1 risk-based capital ratio | 2.6816% | 7,720 |
| Total risk-based capital ratio | 4.0089% | 7,718 |
| Memoranda: | ||
| Average total assets | $2,631,633,250 | 270 |
| Average earning assets | $2,429,892,500 | 263 |
| Average equity | $100,048,000 | 668 |
| Average total loans | $1,827,928,500 | 263 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2451% | 7,120 |
| Cost of funding earning assets | 1.3668% | 4,079 |
| Net interest margin | 2.8783% | 7,032 |
| Noninterest income to average assets | -0.1216% | 7,641 |
| Noninterest expense to average assets | 3.1449% | 3,120 |
| Loan and lease loss provision to assets | 5.0548% | 103 |
| Net operating income to assets | -5.7087% | 7,724 |
| Return on assets (ROA) | -5.5101% | 7,720 |
| Pretax return on assets | -5.4585% | 7,698 |
| Return on Equity (ROE) | -130.0197% | 7,768 |
| Retained earnings to average equity (ytd only) | -130.0197% | 7,768 |
| Net charge-offs to loans | 7.9298% | 62 |
| Credit loss provision to net charge-offs | 92.2150% | 4,361 |
| Earnings coverage of net charge-offs (x) | -0.1099% | 5,806 |
| Efficiency ratio | 122.1839% | 387 |
| Assets per employee ($millions) | 5.0858% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9546% | 57 |
| Loan loss allowance to noncurrent loans | 45.5905% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 12.1791% | 260 |
| Noncurrent loans to loans | 15.2546% | 162 |
| Net loans and leases to total assets | 62.4862% | 4,585 |
| Net loans and leases to deposits | 76.8443% | 4,182 |
| Net loans and leases to core deposits | 89.9756% | 3,268 |
| Total domestic deposits to total assets | 81.3154% | 5,283 |
| Equity capital to assets | 3.0175% | 7,754 |
| Core capital (leverage) ratio | 2.3963% | 7,763 |
| Tier 1 risk-based capital ratio | 3.8031% | 7,751 |
| Total risk-based capital ratio | 5.1263% | 7,752 |
| Memoranda: | ||
| Average total assets | $2,737,978,330 | 258 |
| Average earning assets | $2,534,433,000 | 254 |
| Average equity | $116,031,670 | 570 |
| Average total loans | $1,892,664,670 | 256 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1765% | 7,289 |
| Cost of funding earning assets | 1.3975% | 4,198 |
| Net interest margin | 2.7790% | 7,211 |
| Noninterest income to average assets | 0.2586% | 6,083 |
| Noninterest expense to average assets | 2.9637% | 3,809 |
| Loan and lease loss provision to assets | 3.7498% | 244 |
| Net operating income to assets | -3.8822% | 7,709 |
| Return on assets (ROA) | -3.5646% | 7,686 |
| Pretax return on assets | -3.5646% | 7,644 |
| Return on Equity (ROE) | -74.0952% | 7,777 |
| Retained earnings to average equity (ytd only) | -74.0952% | 7,772 |
| Net charge-offs to loans | 5.1506% | 231 |
| Credit loss provision to net charge-offs | 103.9270% | 3,293 |
| Earnings coverage of net charge-offs (x) | -0.0367% | 5,056 |
| Efficiency ratio | 103.3564% | 740 |
| Assets per employee ($millions) | 5.6308% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8308% | 65 |
| Loan loss allowance to noncurrent loans | 45.2938% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 11.8878% | 268 |
| Noncurrent loans to loans | 15.0811% | 176 |
| Net loans and leases to total assets | 62.0639% | 4,738 |
| Net loans and leases to deposits | 81.2631% | 3,413 |
| Net loans and leases to core deposits | 98.9260% | 2,244 |
| Total domestic deposits to total assets | 76.3739% | 6,691 |
| Equity capital to assets | 4.2959% | 7,773 |
| Core capital (leverage) ratio | 4.1146% | 7,768 |
| Tier 1 risk-based capital ratio | 6.2135% | 7,741 |
| Total risk-based capital ratio | 7.5345% | 7,738 |
| Memoranda: | ||
| Average total assets | $2,794,842,000 | 264 |
| Average earning assets | $2,587,441,500 | 256 |
| Average equity | $134,454,000 | 502 |
| Average total loans | $1,957,816,500 | 256 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8885% | 6,736 |
| Cost of funding earning assets | 1.7247% | 4,378 |
| Net interest margin | 3.1638% | 6,194 |
| Noninterest income to average assets | 1.2677% | 942 |
| Noninterest expense to average assets | 3.3183% | 2,955 |
| Loan and lease loss provision to assets | 5.2210% | 170 |
| Net operating income to assets | -3.6868% | 7,555 |
| Return on assets (ROA) | -3.4674% | 7,507 |
| Pretax return on assets | -4.0944% | 7,553 |
| Return on Equity (ROE) | -51.8667% | 7,699 |
| Retained earnings to average equity (ytd only) | -51.8667% | 7,691 |
| Net charge-offs to loans | 4.7724% | 294 |
| Credit loss provision to net charge-offs | 143.7844% | 3,333 |
| Earnings coverage of net charge-offs (x) | 0.2392% | 5,887 |
| Efficiency ratio | 77.9190% | 3,208 |
| Assets per employee ($millions) | 5.0563% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3578% | 89 |
| Loan loss allowance to noncurrent loans | 49.7809% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 11.0998% | 298 |
| Noncurrent loans to loans | 12.7715% | 250 |
| Net loans and leases to total assets | 68.9433% | 3,502 |
| Net loans and leases to deposits | 92.8511% | 1,758 |
| Net loans and leases to core deposits | 119.5754% | 1,983 |
| Total domestic deposits to total assets | 74.2515% | 6,985 |
| Equity capital to assets | 5.3461% | 7,753 |
| Core capital (leverage) ratio | 4.9446% | 7,775 |
| Tier 1 risk-based capital ratio | 6.9920% | 7,748 |
| Total risk-based capital ratio | 8.3060% | 7,745 |
| Memoranda: | ||
| Average total assets | $3,114,341,200 | 240 |
| Average earning assets | $2,873,430,400 | 233 |
| Average equity | $208,201,000 | 341 |
| Average total loans | $2,369,604,400 | 223 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0199% | 6,547 |
| Cost of funding earning assets | 1.7793% | 4,484 |
| Net interest margin | 3.2406% | 5,877 |
| Noninterest income to average assets | 1.6576% | 534 |
| Noninterest expense to average assets | 3.3440% | 2,750 |
| Loan and lease loss provision to assets | 4.8589% | 184 |
| Net operating income to assets | -3.5775% | 7,696 |
| Return on assets (ROA) | -3.2881% | 7,653 |
| Pretax return on assets | -3.2654% | 7,565 |
| Return on Equity (ROE) | -47.1668% | 7,810 |
| Retained earnings to average equity (ytd only) | -47.1668% | 7,805 |
| Net charge-offs to loans | 4.4489% | 291 |
| Credit loss provision to net charge-offs | 142.5540% | 3,434 |
| Earnings coverage of net charge-offs (x) | 0.3826% | 5,641 |
| Efficiency ratio | 70.6252% | 4,477 |
| Assets per employee ($millions) | 5.1495% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3517% | 111 |
| Loan loss allowance to noncurrent loans | 49.7614% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 9.3875% | 392 |
| Noncurrent loans to loans | 10.7546% | 345 |
| Net loans and leases to total assets | 69.7726% | 3,572 |
| Net loans and leases to deposits | 93.4872% | 1,968 |
| Net loans and leases to core deposits | 120.0811% | 2,236 |
| Total domestic deposits to total assets | 74.6333% | 6,843 |
| Equity capital to assets | 6.1641% | 7,823 |
| Core capital (leverage) ratio | 5.7502% | 7,842 |
| Tier 1 risk-based capital ratio | 7.9087% | 7,807 |
| Total risk-based capital ratio | 9.2095% | 7,812 |
| Memoranda: | ||
| Average total assets | $3,207,795,500 | 246 |
| Average earning assets | $2,960,156,500 | 239 |
| Average equity | $223,623,250 | 330 |
| Average total loans | $2,457,583,250 | 229 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3215% | 5,548 |
| Cost of funding earning assets | 1.8517% | 4,502 |
| Net interest margin | 3.4698% | 4,937 |
| Noninterest income to average assets | 2.1721% | 326 |
| Noninterest expense to average assets | 3.3640% | 2,744 |
| Loan and lease loss provision to assets | 3.8844% | 332 |
| Net operating income to assets | -1.8818% | 7,396 |
| Return on assets (ROA) | -1.7157% | 7,328 |
| Pretax return on assets | -1.7157% | 7,179 |
| Return on Equity (ROE) | -23.8120% | 7,605 |
| Retained earnings to average equity (ytd only) | -23.8120% | 7,569 |
| Net charge-offs to loans | 2.7266% | 618 |
| Credit loss provision to net charge-offs | 183.9369% | 2,493 |
| Earnings coverage of net charge-offs (x) | 0.9483% | 4,820 |
| Efficiency ratio | 61.3325% | 6,343 |
| Assets per employee ($millions) | 5.0920% | 1,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8412% | 140 |
| Loan loss allowance to noncurrent loans | 51.4564% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 7.8607% | 490 |
| Noncurrent loans to loans | 9.4084% | 397 |
| Net loans and leases to total assets | 71.5007% | 3,346 |
| Net loans and leases to deposits | 97.2172% | 1,636 |
| Net loans and leases to core deposits | 122.9070% | 2,119 |
| Total domestic deposits to total assets | 73.5473% | 7,031 |
| Equity capital to assets | 7.6397% | 7,141 |
| Core capital (leverage) ratio | 6.2939% | 7,858 |
| Tier 1 risk-based capital ratio | 9.4765% | 7,408 |
| Total risk-based capital ratio | 10.7688% | 7,331 |
| Memoranda: | ||
| Average total assets | $3,315,829,670 | 248 |
| Average earning assets | $3,052,813,670 | 244 |
| Average equity | $238,913,000 | 310 |
| Average total loans | $2,568,180,330 | 227 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1503% | 6,487 |
| Cost of funding earning assets | 1.7441% | 5,390 |
| Net interest margin | 3.4063% | 5,116 |
| Noninterest income to average assets | 0.7345% | 2,685 |
| Noninterest expense to average assets | 3.0340% | 3,613 |
| Loan and lease loss provision to assets | 3.8284% | 251 |
| Net operating income to assets | -2.9928% | 7,843 |
| Return on assets (ROA) | -2.6762% | 7,791 |
| Pretax return on assets | -2.6762% | 7,692 |
| Return on Equity (ROE) | -38.1305% | 7,971 |
| Retained earnings to average equity (ytd only) | -38.1305% | 7,947 |
| Net charge-offs to loans | 3.1847% | 400 |
| Credit loss provision to net charge-offs | 153.2444% | 2,726 |
| Earnings coverage of net charge-offs (x) | 0.3345% | 4,708 |
| Efficiency ratio | 76.6177% | 3,384 |
| Assets per employee ($millions) | 4.5763% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3522% | 357 |
| Loan loss allowance to noncurrent loans | 55.4115% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 4.9435% | 919 |
| Noncurrent loans to loans | 6.0497% | 786 |
| Net loans and leases to total assets | 73.6874% | 2,836 |
| Net loans and leases to deposits | 95.8148% | 1,978 |
| Net loans and leases to core deposits | 125.4677% | 1,956 |
| Total domestic deposits to total assets | 76.9061% | 6,299 |
| Equity capital to assets | 6.5887% | 7,840 |
| Core capital (leverage) ratio | 6.4820% | 7,887 |
| Tier 1 risk-based capital ratio | 7.7483% | 8,033 |
| Total risk-based capital ratio | 9.0224% | 8,054 |
| Memoranda: | ||
| Average total assets | $3,479,231,000 | 247 |
| Average earning assets | $3,202,190,500 | 237 |
| Average equity | $244,193,000 | 308 |
| Average total loans | $2,729,318,500 | 221 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3949% | 3,447 |
| Cost of funding earning assets | 2.2267% | 5,472 |
| Net interest margin | 4.1682% | 2,440 |
| Noninterest income to average assets | 0.7241% | 2,950 |
| Noninterest expense to average assets | 6.8162% | 296 |
| Loan and lease loss provision to assets | 2.0802% | 568 |
| Net operating income to assets | -4.3146% | 8,028 |
| Return on assets (ROA) | -4.3354% | 8,014 |
| Pretax return on assets | -4.4372% | 7,959 |
| Return on Equity (ROE) | -45.8188% | 8,127 |
| Retained earnings to average equity (ytd only) | -46.5862% | 8,113 |
| Net charge-offs to loans | 0.8817% | 1,404 |
| Credit loss provision to net charge-offs | 303.1706% | 1,485 |
| Earnings coverage of net charge-offs (x) | -3.4042% | 6,788 |
| Efficiency ratio | 68.5626% | 4,621 |
| Assets per employee ($millions) | 4.1966% | 3,121 |
| Cash dividends to net income (ytd only)* | -1.6749% | 7,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8710% | 484 |
| Loan loss allowance to noncurrent loans | 66.7857% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 3.8481% | 1,096 |
| Noncurrent loans to loans | 4.2988% | 1,122 |
| Net loans and leases to total assets | 78.4180% | 2,017 |
| Net loans and leases to deposits | 105.9810% | 1,124 |
| Net loans and leases to core deposits | 139.8804% | 1,277 |
| Total domestic deposits to total assets | 73.9925% | 6,658 |
| Equity capital to assets | 7.4655% | 7,411 |
| Core capital (leverage) ratio | 6.9897% | 7,705 |
| Tier 1 risk-based capital ratio | 8.1692% | 8,053 |
| Total risk-based capital ratio | 9.4370% | 8,090 |
| Memoranda: | ||
| Average total assets | $3,442,908,400 | 234 |
| Average earning assets | $3,102,713,200 | 233 |
| Average equity | $325,772,600 | 255 |
| Average total loans | $2,679,361,000 | 216 |