Home > First Community Bank > Performance and Condition Ratios
First 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 | 4.3007% | 6,020 |
| Cost of funding earning assets | 1.6345% | 715 |
| Net interest margin | 2.6662% | 7,052 |
| Noninterest income to average assets | 1.1332% | 1,016 |
| Noninterest expense to average assets | 2.8621% | 4,226 |
| Loan and lease loss provision to assets | 0.4519% | 1,954 |
| Net operating income to assets | 0.2793% | 5,503 |
| Return on assets (ROA) | 0.3424% | 5,288 |
| Pretax return on assets | 0.3526% | 5,497 |
| Return on Equity (ROE) | 3.6999% | 5,038 |
| Retained earnings to average equity (ytd only) | 3.6999% | 3,952 |
| Net charge-offs to loans | 1.2578% | 1,100 |
| Credit loss provision to net charge-offs | 69.8413% | 3,356 |
| Earnings coverage of net charge-offs (x) | 1.1429% | 3,807 |
| Efficiency ratio | 79.4677% | 2,623 |
| Assets per employee ($millions) | 4.2143% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6615% | 1,245 |
| Loan loss allowance to noncurrent loans | 49.7941% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 2.7941% | 2,465 |
| Noncurrent loans to loans | 5.3450% | 1,231 |
| Net loans and leases to total assets | 48.7220% | 5,990 |
| Net loans and leases to deposits | 60.0194% | 5,725 |
| Net loans and leases to core deposits | 60.3572% | 6,068 |
| Total domestic deposits to total assets | 81.1771% | 5,611 |
| Equity capital to assets | 9.1627% | 4,932 |
| Core capital (leverage) ratio | 9.0207% | 4,580 |
| Tier 1 risk-based capital ratio | 15.2841% | 3,264 |
| Total risk-based capital ratio | 16.5467% | 3,223 |
| Memoranda: | ||
| Average total assets | $116,837,500 | 4,566 |
| Average earning assets | $108,169,000 | 4,526 |
| Average equity | $10,811,000 | 4,843 |
| Average total loans | $60,103,500 | 4,998 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2007% | 3,606 |
| Cost of funding earning assets | 1.8085% | 1,135 |
| Net interest margin | 3.3922% | 5,665 |
| Noninterest income to average assets | 1.0327% | 1,409 |
| Noninterest expense to average assets | 2.8610% | 4,372 |
| Loan and lease loss provision to assets | 1.5177% | 973 |
| Net operating income to assets | -0.0159% | 5,869 |
| Return on assets (ROA) | 0.0686% | 5,801 |
| Pretax return on assets | -0.0719% | 5,977 |
| Return on Equity (ROE) | 0.7456% | 5,769 |
| Retained earnings to average equity (ytd only) | 0.7456% | 5,184 |
| Net charge-offs to loans | 1.8750% | 1,098 |
| Credit loss provision to net charge-offs | 145.0647% | 2,550 |
| Earnings coverage of net charge-offs (x) | 1.2557% | 4,849 |
| Efficiency ratio | 68.5320% | 4,451 |
| Assets per employee ($millions) | 3.9888% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6642% | 1,212 |
| Loan loss allowance to noncurrent loans | 67.5093% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 2.2079% | 3,085 |
| Noncurrent loans to loans | 3.9465% | 1,850 |
| Net loans and leases to total assets | 51.4493% | 5,997 |
| Net loans and leases to deposits | 63.5983% | 5,670 |
| Net loans and leases to core deposits | 63.9619% | 6,053 |
| Total domestic deposits to total assets | 80.8973% | 5,552 |
| Equity capital to assets | 9.3451% | 4,630 |
| Core capital (leverage) ratio | 8.9436% | 4,629 |
| Tier 1 risk-based capital ratio | 14.8600% | 3,329 |
| Total risk-based capital ratio | 16.1240% | 3,277 |
| Memoranda: | ||
| Average total assets | $118,140,600 | 4,519 |
| Average earning assets | $109,428,400 | 4,481 |
| Average equity | $10,864,000 | 4,899 |
| Average total loans | $65,921,400 | 4,829 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3681% | 3,037 |
| Cost of funding earning assets | 1.8435% | 1,245 |
| Net interest margin | 3.5246% | 5,204 |
| Noninterest income to average assets | 0.9936% | 1,480 |
| Noninterest expense to average assets | 2.8450% | 4,294 |
| Loan and lease loss provision to assets | 1.6829% | 759 |
| Net operating income to assets | -0.0624% | 6,128 |
| Return on assets (ROA) | 0.0483% | 6,022 |
| Pretax return on assets | -0.0943% | 6,216 |
| Return on Equity (ROE) | 0.5271% | 6,005 |
| Retained earnings to average equity (ytd only) | 0.5271% | 5,588 |
| Net charge-offs to loans | 0.9615% | 2,077 |
| Credit loss provision to net charge-offs | 309.7107% | 1,027 |
| Earnings coverage of net charge-offs (x) | 2.6054% | 3,847 |
| Efficiency ratio | 66.7721% | 4,702 |
| Assets per employee ($millions) | 3.9547% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2278% | 682 |
| Loan loss allowance to noncurrent loans | 73.2281% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 2.6533% | 2,728 |
| Noncurrent loans to loans | 4.4078% | 1,650 |
| Net loans and leases to total assets | 54.5585% | 5,763 |
| Net loans and leases to deposits | 67.4242% | 5,499 |
| Net loans and leases to core deposits | 67.8078% | 5,962 |
| Total domestic deposits to total assets | 80.9183% | 5,404 |
| Equity capital to assets | 9.6402% | 4,637 |
| Core capital (leverage) ratio | 8.8022% | 5,004 |
| Tier 1 risk-based capital ratio | 14.5109% | 3,503 |
| Total risk-based capital ratio | 15.7820% | 3,461 |
| Memoranda: | ||
| Average total assets | $118,757,000 | 4,564 |
| Average earning assets | $110,080,000 | 4,528 |
| Average equity | $10,877,500 | 4,954 |
| Average total loans | $67,116,000 | 4,854 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4592% | 2,706 |
| Cost of funding earning assets | 1.8623% | 1,368 |
| Net interest margin | 3.5969% | 4,824 |
| Noninterest income to average assets | 0.9641% | 1,471 |
| Noninterest expense to average assets | 2.8406% | 4,314 |
| Loan and lease loss provision to assets | 0.7559% | 1,906 |
| Net operating income to assets | 0.5237% | 4,226 |
| Return on assets (ROA) | 0.6960% | 3,576 |
| Pretax return on assets | 0.9291% | 3,391 |
| Return on Equity (ROE) | 7.7279% | 2,999 |
| Retained earnings to average equity (ytd only) | 7.7279% | 1,537 |
| Net charge-offs to loans | 0.7772% | 2,301 |
| Credit loss provision to net charge-offs | 171.9697% | 2,266 |
| Earnings coverage of net charge-offs (x) | 3.3106% | 3,375 |
| Efficiency ratio | 66.1240% | 4,960 |
| Assets per employee ($millions) | 3.9629% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9487% | 2,308 |
| Loan loss allowance to noncurrent loans | 54.0009% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 3.0087% | 2,367 |
| Noncurrent loans to loans | 3.6087% | 2,183 |
| Net loans and leases to total assets | 53.4104% | 6,059 |
| Net loans and leases to deposits | 65.4227% | 5,877 |
| Net loans and leases to core deposits | 66.1231% | 6,238 |
| Total domestic deposits to total assets | 81.6389% | 5,134 |
| Equity capital to assets | 9.4224% | 4,831 |
| Core capital (leverage) ratio | 8.9109% | 4,741 |
| Tier 1 risk-based capital ratio | 14.6973% | 3,329 |
| Total risk-based capital ratio | 15.9533% | 3,299 |
| Memoranda: | ||
| Average total assets | $120,114,000 | 4,566 |
| Average earning assets | $111,262,000 | 4,528 |
| Average equity | $10,818,000 | 4,968 |
| Average total loans | $67,935,330 | 4,865 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5217% | 2,489 |
| Cost of funding earning assets | 1.8739% | 1,555 |
| Net interest margin | 3.6477% | 4,500 |
| Noninterest income to average assets | 1.0172% | 1,243 |
| Noninterest expense to average assets | 2.8229% | 4,395 |
| Loan and lease loss provision to assets | 0.0563% | 6,096 |
| Net operating income to assets | 1.0431% | 2,025 |
| Return on assets (ROA) | 1.3220% | 1,320 |
| Pretax return on assets | 1.9217% | 706 |
| Return on Equity (ROE) | 15.0198% | 873 |
| Retained earnings to average equity (ytd only) | 15.0198% | 409 |
| Net charge-offs to loans | 0.5523% | 2,423 |
| Credit loss provision to net charge-offs | 17.7083% | 4,970 |
| Earnings coverage of net charge-offs (x) | 4.9479% | 2,504 |
| Efficiency ratio | 64.2050% | 5,457 |
| Assets per employee ($millions) | 4.1366% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 3,987 |
| Loan loss allowance to noncurrent loans | 39.5303% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 2.7542% | 2,635 |
| Noncurrent loans to loans | 3.7556% | 2,113 |
| Net loans and leases to total assets | 54.9282% | 5,902 |
| Net loans and leases to deposits | 66.7670% | 5,738 |
| Net loans and leases to core deposits | 67.4656% | 6,155 |
| Total domestic deposits to total assets | 82.2686% | 4,947 |
| Equity capital to assets | 8.9395% | 5,369 |
| Core capital (leverage) ratio | 8.8867% | 4,747 |
| Tier 1 risk-based capital ratio | 14.4687% | 3,396 |
| Total risk-based capital ratio | 15.7317% | 3,358 |
| Memoranda: | ||
| Average total assets | $120,727,500 | 4,612 |
| Average earning assets | $111,850,000 | 4,569 |
| Average equity | $10,626,000 | 5,067 |
| Average total loans | $69,523,000 | 4,883 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9136% | 2,177 |
| Cost of funding earning assets | 2.1540% | 2,220 |
| Net interest margin | 3.7596% | 3,875 |
| Noninterest income to average assets | 0.7501% | 2,678 |
| Noninterest expense to average assets | 2.6671% | 5,524 |
| Loan and lease loss provision to assets | 1.8772% | 1,191 |
| Net operating income to assets | -0.0949% | 5,671 |
| Return on assets (ROA) | -0.0138% | 5,560 |
| Pretax return on assets | -0.1739% | 5,675 |
| Return on Equity (ROE) | -0.1656% | 5,567 |
| Retained earnings to average equity (ytd only) | -0.1656% | 4,984 |
| Net charge-offs to loans | 3.1492% | 654 |
| Credit loss provision to net charge-offs | 98.3816% | 5,663 |
| Earnings coverage of net charge-offs (x) | 0.8262% | 5,285 |
| Efficiency ratio | 62.8495% | 5,991 |
| Assets per employee ($millions) | 4.0498% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4856% | 3,804 |
| Loan loss allowance to noncurrent loans | 39.1956% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 2.6890% | 2,607 |
| Noncurrent loans to loans | 3.7902% | 1,975 |
| Net loans and leases to total assets | 58.5120% | 5,575 |
| Net loans and leases to deposits | 70.8556% | 5,490 |
| Net loans and leases to core deposits | 78.1814% | 6,248 |
| Total domestic deposits to total assets | 82.5792% | 4,712 |
| Equity capital to assets | 8.6655% | 5,635 |
| Core capital (leverage) ratio | 8.3731% | 5,495 |
| Tier 1 risk-based capital ratio | 12.8474% | 4,247 |
| Total risk-based capital ratio | 14.1114% | 4,192 |
| Memoranda: | ||
| Average total assets | $123,054,600 | 4,491 |
| Average earning assets | $114,346,800 | 4,440 |
| Average equity | $10,263,400 | 5,224 |
| Average total loans | $74,559,200 | 4,705 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8346% | 2,724 |
| Cost of funding earning assets | 2.2016% | 2,413 |
| Net interest margin | 3.6330% | 4,360 |
| Noninterest income to average assets | 0.8716% | 2,096 |
| Noninterest expense to average assets | 2.7077% | 5,290 |
| Loan and lease loss provision to assets | 1.5035% | 1,277 |
| Net operating income to assets | 0.0551% | 5,592 |
| Return on assets (ROA) | 0.2236% | 5,160 |
| Pretax return on assets | 0.2063% | 5,286 |
| Return on Equity (ROE) | 2.7065% | 4,913 |
| Retained earnings to average equity (ytd only) | 2.7065% | 3,816 |
| Net charge-offs to loans | 2.4481% | 750 |
| Credit loss provision to net charge-offs | 100.8696% | 5,037 |
| Earnings coverage of net charge-offs (x) | 1.0341% | 5,020 |
| Efficiency ratio | 63.7265% | 5,808 |
| Assets per employee ($millions) | 4.0646% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 3,311 |
| Loan loss allowance to noncurrent loans | 29.0147% | 6,535 |
| Noncurrent assets plus other real estate owned to assets | 3.7806% | 1,712 |
| Noncurrent loans to loans | 5.2482% | 1,221 |
| Net loans and leases to total assets | 59.5057% | 5,665 |
| Net loans and leases to deposits | 73.0347% | 5,503 |
| Net loans and leases to core deposits | 80.7865% | 6,284 |
| Total domestic deposits to total assets | 81.4758% | 4,887 |
| Equity capital to assets | 8.6528% | 6,029 |
| Core capital (leverage) ratio | 8.3989% | 5,662 |
| Tier 1 risk-based capital ratio | 12.9658% | 4,213 |
| Total risk-based capital ratio | 14.2253% | 4,137 |
| Memoranda: | ||
| Average total assets | $123,445,000 | 4,510 |
| Average earning assets | $114,761,500 | 4,459 |
| Average equity | $10,197,250 | 5,289 |
| Average total loans | $75,159,000 | 4,731 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5747% | 4,189 |
| Cost of funding earning assets | 2.2493% | 2,581 |
| Net interest margin | 3.3254% | 5,455 |
| Noninterest income to average assets | 0.9262% | 1,867 |
| Noninterest expense to average assets | 2.7254% | 5,273 |
| Loan and lease loss provision to assets | 1.7039% | 984 |
| Net operating income to assets | -0.3501% | 6,397 |
| Return on assets (ROA) | 0.1727% | 5,446 |
| Pretax return on assets | 0.1113% | 5,652 |
| Return on Equity (ROE) | 2.1232% | 5,251 |
| Retained earnings to average equity (ytd only) | 2.1232% | 4,164 |
| Net charge-offs to loans | 3.1116% | 528 |
| Credit loss provision to net charge-offs | 89.7196% | 4,936 |
| Earnings coverage of net charge-offs (x) | 0.6805% | 5,028 |
| Efficiency ratio | 67.8313% | 5,186 |
| Assets per employee ($millions) | 4.0345% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 3,945 |
| Loan loss allowance to noncurrent loans | 34.1860% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 3.0927% | 2,033 |
| Noncurrent loans to loans | 3.9713% | 1,714 |
| Net loans and leases to total assets | 57.4555% | 6,041 |
| Net loans and leases to deposits | 72.0232% | 5,730 |
| Net loans and leases to core deposits | 80.4863% | 6,363 |
| Total domestic deposits to total assets | 79.7736% | 5,544 |
| Equity capital to assets | 7.9644% | 6,794 |
| Core capital (leverage) ratio | 8.1535% | 6,072 |
| Tier 1 risk-based capital ratio | 12.0620% | 4,862 |
| Total risk-based capital ratio | 13.2664% | 4,828 |
| Memoranda: | ||
| Average total assets | $123,947,330 | 4,534 |
| Average earning assets | $115,234,670 | 4,480 |
| Average equity | $10,079,330 | 5,339 |
| Average total loans | $75,651,330 | 4,749 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5781% | 4,478 |
| Cost of funding earning assets | 2.3233% | 2,602 |
| Net interest margin | 3.2548% | 5,674 |
| Noninterest income to average assets | 0.9823% | 1,535 |
| Noninterest expense to average assets | 2.6648% | 5,165 |
| Loan and lease loss provision to assets | 0.2529% | 3,947 |
| Net operating income to assets | 0.7680% | 3,263 |
| Return on assets (ROA) | 1.0244% | 2,354 |
| Pretax return on assets | 1.4556% | 1,803 |
| Return on Equity (ROE) | 12.4673% | 1,525 |
| Retained earnings to average equity (ytd only) | 12.4673% | 721 |
| Net charge-offs to loans | 0.8566% | 1,530 |
| Credit loss provision to net charge-offs | 47.2727% | 4,721 |
| Earnings coverage of net charge-offs (x) | 2.5091% | 3,492 |
| Efficiency ratio | 66.5049% | 5,231 |
| Assets per employee ($millions) | 3.8661% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 3,639 |
| Loan loss allowance to noncurrent loans | 24.9391% | 6,907 |
| Noncurrent assets plus other real estate owned to assets | 4.2469% | 1,171 |
| Noncurrent loans to loans | 5.5122% | 930 |
| Net loans and leases to total assets | 59.3255% | 5,766 |
| Net loans and leases to deposits | 73.0718% | 5,600 |
| Net loans and leases to core deposits | 81.4231% | 6,274 |
| Total domestic deposits to total assets | 81.1881% | 4,894 |
| Equity capital to assets | 8.4639% | 6,130 |
| Core capital (leverage) ratio | 8.4548% | 5,622 |
| Tier 1 risk-based capital ratio | 12.4009% | 4,615 |
| Total risk-based capital ratio | 13.6538% | 4,535 |
| Memoranda: | ||
| Average total assets | $123,386,500 | 4,562 |
| Average earning assets | $114,663,000 | 4,516 |
| Average equity | $10,138,500 | 5,340 |
| Average total loans | $77,053,000 | 4,728 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1590% | 4,733 |
| Cost of funding earning assets | 2.9098% | 2,223 |
| Net interest margin | 3.2492% | 6,215 |
| Noninterest income to average assets | 0.7977% | 2,526 |
| Noninterest expense to average assets | 2.4604% | 6,168 |
| Loan and lease loss provision to assets | 0.8447% | 1,770 |
| Net operating income to assets | 0.3946% | 5,173 |
| Return on assets (ROA) | 0.4438% | 4,799 |
| Pretax return on assets | 0.5896% | 4,724 |
| Return on Equity (ROE) | 5.5301% | 4,147 |
| Retained earnings to average equity (ytd only) | 5.5301% | 1,752 |
| Net charge-offs to loans | 1.4013% | 840 |
| Credit loss provision to net charge-offs | 93.7950% | 5,575 |
| Earnings coverage of net charge-offs (x) | 1.5198% | 5,341 |
| Efficiency ratio | 64.2555% | 5,506 |
| Assets per employee ($millions) | 4.1020% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 3,236 |
| Loan loss allowance to noncurrent loans | 21.7562% | 7,150 |
| Noncurrent assets plus other real estate owned to assets | 4.6620% | 784 |
| Noncurrent loans to loans | 6.4024% | 506 |
| Net loans and leases to total assets | 63.8547% | 5,300 |
| Net loans and leases to deposits | 76.6505% | 5,513 |
| Net loans and leases to core deposits | 83.8928% | 6,299 |
| Total domestic deposits to total assets | 83.3064% | 3,650 |
| Equity capital to assets | 7.9685% | 6,891 |
| Core capital (leverage) ratio | 8.0847% | 6,348 |
| Tier 1 risk-based capital ratio | 10.9730% | 5,748 |
| Total risk-based capital ratio | 12.2101% | 5,668 |
| Memoranda: | ||
| Average total assets | $123,475,800 | 4,435 |
| Average earning assets | $115,196,800 | 4,382 |
| Average equity | $9,909,400 | 5,438 |
| Average total loans | $79,357,400 | 4,539 |