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 | 4.8779% | 3,697 |
| Cost of funding earning assets | 1.0213% | 4,055 |
| Net interest margin | 3.8566% | 3,352 |
| Noninterest income to average assets | 0.2955% | 5,551 |
| Noninterest expense to average assets | 3.3262% | 2,478 |
| Loan and lease loss provision to assets | 0.4622% | 1,906 |
| Net operating income to assets | 0.0833% | 6,136 |
| Return on assets (ROA) | 0.0833% | 6,191 |
| Pretax return on assets | 0.0833% | 6,209 |
| Return on Equity (ROE) | 0.9954% | 6,133 |
| Retained earnings to average equity (ytd only) | 0.9954% | 5,428 |
| Net charge-offs to loans | 1.2121% | 1,147 |
| Credit loss provision to net charge-offs | 56.4815% | 3,614 |
| Earnings coverage of net charge-offs (x) | 0.6667% | 4,126 |
| Efficiency ratio | 85.9100% | 1,725 |
| Assets per employee ($millions) | 3.5961% | 4,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 5,939 |
| Loan loss allowance to noncurrent loans | 53.1886% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 2.3340% | 2,912 |
| Noncurrent loans to loans | 2.1203% | 3,418 |
| Net loans and leases to total assets | 63.7141% | 3,495 |
| Net loans and leases to deposits | 75.7188% | 3,464 |
| Net loans and leases to core deposits | 89.3418% | 2,435 |
| Total domestic deposits to total assets | 84.1456% | 4,431 |
| Equity capital to assets | 8.2627% | 6,208 |
| Core capital (leverage) ratio | 8.0770% | 6,152 |
| Tier 1 risk-based capital ratio | 11.9625% | 5,730 |
| Total risk-based capital ratio | 13.0410% | 5,871 |
| Memoranda: | ||
| Average total assets | $52,793,500 | 6,423 |
| Average earning assets | $48,955,500 | 6,382 |
| Average equity | $4,420,500 | 6,734 |
| Average total loans | $35,639,500 | 6,039 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9838% | 4,633 |
| Cost of funding earning assets | 1.4651% | 2,856 |
| Net interest margin | 3.5188% | 5,169 |
| Noninterest income to average assets | 0.1343% | 6,720 |
| Noninterest expense to average assets | 3.5812% | 1,972 |
| Loan and lease loss provision to assets | 1.0479% | 1,539 |
| Net operating income to assets | -1.2068% | 6,792 |
| Return on assets (ROA) | -1.0514% | 6,745 |
| Pretax return on assets | -1.0740% | 6,680 |
| Return on Equity (ROE) | -12.5950% | 6,830 |
| Retained earnings to average equity (ytd only) | -12.5950% | 6,782 |
| Net charge-offs to loans | 1.6272% | 1,330 |
| Credit loss provision to net charge-offs | 93.9063% | 4,949 |
| Earnings coverage of net charge-offs (x) | -0.1656% | 6,269 |
| Efficiency ratio | 105.3388% | 638 |
| Assets per employee ($millions) | 3.0380% | 6,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 5,515 |
| Loan loss allowance to noncurrent loans | 49.6599% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 2.6933% | 2,588 |
| Noncurrent loans to loans | 2.4152% | 3,101 |
| Net loans and leases to total assets | 69.8621% | 2,566 |
| Net loans and leases to deposits | 86.0485% | 2,089 |
| Net loans and leases to core deposits | 103.0562% | 1,384 |
| Total domestic deposits to total assets | 81.1892% | 5,458 |
| Equity capital to assets | 8.4886% | 5,869 |
| Core capital (leverage) ratio | 8.4034% | 5,525 |
| Tier 1 risk-based capital ratio | 11.7596% | 5,684 |
| Total risk-based capital ratio | 12.9475% | 5,734 |
| Memoranda: | ||
| Average total assets | $57,354,400 | 6,296 |
| Average earning assets | $53,172,000 | 6,246 |
| Average equity | $4,787,600 | 6,733 |
| Average total loans | $39,330,400 | 5,949 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9495% | 5,041 |
| Cost of funding earning assets | 1.5133% | 2,894 |
| Net interest margin | 3.4362% | 5,546 |
| Noninterest income to average assets | 0.0726% | 7,172 |
| Noninterest expense to average assets | 3.6405% | 1,693 |
| Loan and lease loss provision to assets | 1.1114% | 1,307 |
| Net operating income to assets | -1.4687% | 7,101 |
| Return on assets (ROA) | -1.3042% | 7,060 |
| Pretax return on assets | -1.3337% | 6,988 |
| Return on Equity (ROE) | -15.6827% | 7,129 |
| Retained earnings to average equity (ytd only) | -15.6827% | 7,102 |
| Net charge-offs to loans | 1.7385% | 1,117 |
| Credit loss provision to net charge-offs | 93.8697% | 4,620 |
| Earnings coverage of net charge-offs (x) | -0.3295% | 6,260 |
| Efficiency ratio | 111.8632% | 494 |
| Assets per employee ($millions) | 3.3936% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 5,692 |
| Loan loss allowance to noncurrent loans | 98.2379% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 2.8601% | 2,539 |
| Noncurrent loans to loans | 1.1750% | 4,900 |
| Net loans and leases to total assets | 66.1992% | 3,643 |
| Net loans and leases to deposits | 77.8772% | 3,850 |
| Net loans and leases to core deposits | 92.5842% | 2,714 |
| Total domestic deposits to total assets | 85.0046% | 3,617 |
| Equity capital to assets | 8.1763% | 6,635 |
| Core capital (leverage) ratio | 7.6094% | 6,760 |
| Tier 1 risk-based capital ratio | 10.9483% | 6,423 |
| Total risk-based capital ratio | 12.0675% | 6,512 |
| Memoranda: | ||
| Average total assets | $58,781,500 | 6,312 |
| Average earning assets | $54,361,250 | 6,267 |
| Average equity | $4,888,500 | 6,789 |
| Average total loans | $40,033,250 | 6,002 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8884% | 5,443 |
| Cost of funding earning assets | 1.5625% | 2,885 |
| Net interest margin | 3.3259% | 5,921 |
| Noninterest income to average assets | 0.1082% | 7,062 |
| Noninterest expense to average assets | 3.4424% | 2,158 |
| Loan and lease loss provision to assets | 1.1091% | 1,292 |
| Net operating income to assets | -1.3628% | 7,106 |
| Return on assets (ROA) | -1.1125% | 7,005 |
| Pretax return on assets | -1.1125% | 6,937 |
| Return on Equity (ROE) | -13.3046% | 7,086 |
| Retained earnings to average equity (ytd only) | -13.3046% | 7,047 |
| Net charge-offs to loans | 1.8173% | 1,025 |
| Credit loss provision to net charge-offs | 89.1304% | 4,448 |
| Earnings coverage of net charge-offs (x) | -0.2038% | 5,877 |
| Efficiency ratio | 107.8473% | 591 |
| Assets per employee ($millions) | 3.2307% | 5,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 5,985 |
| Loan loss allowance to noncurrent loans | 23.8692% | 6,746 |
| Noncurrent assets plus other real estate owned to assets | 4.5896% | 1,431 |
| Noncurrent loans to loans | 4.5739% | 1,581 |
| Net loans and leases to total assets | 68.2355% | 3,306 |
| Net loans and leases to deposits | 77.6779% | 4,047 |
| Net loans and leases to core deposits | 95.8594% | 2,456 |
| Total domestic deposits to total assets | 87.8441% | 2,079 |
| Equity capital to assets | 8.3212% | 6,400 |
| Core capital (leverage) ratio | 7.9555% | 6,319 |
| Tier 1 risk-based capital ratio | 11.5715% | 5,697 |
| Total risk-based capital ratio | 12.6714% | 5,820 |
| Memoranda: | ||
| Average total assets | $59,145,000 | 6,345 |
| Average earning assets | $54,782,670 | 6,291 |
| Average equity | $4,945,670 | 6,795 |
| Average total loans | $40,498,670 | 6,026 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8066% | 5,873 |
| Cost of funding earning assets | 1.5876% | 3,033 |
| Net interest margin | 3.2189% | 6,231 |
| Noninterest income to average assets | 0.3756% | 5,135 |
| Noninterest expense to average assets | 3.3936% | 2,250 |
| Loan and lease loss provision to assets | 1.4151% | 841 |
| Net operating income to assets | -1.4688% | 7,320 |
| Return on assets (ROA) | -1.4688% | 7,332 |
| Pretax return on assets | -1.4688% | 7,248 |
| Return on Equity (ROE) | -17.5235% | 7,383 |
| Retained earnings to average equity (ytd only) | -17.5235% | 7,295 |
| Net charge-offs to loans | 2.5560% | 634 |
| Credit loss provision to net charge-offs | 81.1538% | 3,847 |
| Earnings coverage of net charge-offs (x) | -0.0308% | 5,051 |
| Efficiency ratio | 101.6064% | 794 |
| Assets per employee ($millions) | 3.2102% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 5,931 |
| Loan loss allowance to noncurrent loans | 23.9130% | 6,800 |
| Noncurrent assets plus other real estate owned to assets | 4.5136% | 1,495 |
| Noncurrent loans to loans | 4.6720% | 1,587 |
| Net loans and leases to total assets | 62.2530% | 4,709 |
| Net loans and leases to deposits | 70.6222% | 5,250 |
| Net loans and leases to core deposits | 83.3077% | 4,296 |
| Total domestic deposits to total assets | 88.1495% | 1,975 |
| Equity capital to assets | 8.0321% | 6,616 |
| Core capital (leverage) ratio | 7.7568% | 6,559 |
| Tier 1 risk-based capital ratio | 11.4510% | 5,717 |
| Total risk-based capital ratio | 12.4924% | 5,872 |
| Memoranda: | ||
| Average total assets | $59,641,000 | 6,400 |
| Average earning assets | $54,925,000 | 6,361 |
| Average equity | $4,999,000 | 6,846 |
| Average total loans | $40,688,500 | 6,093 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3352% | 5,003 |
| Cost of funding earning assets | 2.1379% | 2,290 |
| Net interest margin | 3.1973% | 6,105 |
| Noninterest income to average assets | 1.6663% | 520 |
| Noninterest expense to average assets | 4.3625% | 917 |
| Loan and lease loss provision to assets | 0.4974% | 3,888 |
| Net operating income to assets | -0.2408% | 5,886 |
| Return on assets (ROA) | -0.1353% | 5,728 |
| Pretax return on assets | -0.1230% | 5,621 |
| Return on Equity (ROE) | -1.4936% | 5,775 |
| Retained earnings to average equity (ytd only) | -1.4936% | 5,391 |
| Net charge-offs to loans | 0.6190% | 3,357 |
| Credit loss provision to net charge-offs | 107.1970% | 5,167 |
| Earnings coverage of net charge-offs (x) | 0.5795% | 5,523 |
| Efficiency ratio | 94.1556% | 1,406 |
| Assets per employee ($millions) | 3.2383% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 5,842 |
| Loan loss allowance to noncurrent loans | 46.8627% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 3.0726% | 2,262 |
| Noncurrent loans to loans | 2.3733% | 3,199 |
| Net loans and leases to total assets | 72.9126% | 2,528 |
| Net loans and leases to deposits | 86.2646% | 2,866 |
| Net loans and leases to core deposits | 117.9573% | 2,136 |
| Total domestic deposits to total assets | 84.5220% | 3,789 |
| Equity capital to assets | 8.7478% | 5,518 |
| Core capital (leverage) ratio | 8.4919% | 5,290 |
| Tier 1 risk-based capital ratio | 11.6743% | 5,224 |
| Total risk-based capital ratio | 12.8048% | 5,302 |
| Memoranda: | ||
| Average total assets | $56,894,000 | 6,463 |
| Average earning assets | $52,762,800 | 6,423 |
| Average equity | $5,155,400 | 6,887 |
| Average total loans | $42,650,400 | 5,995 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3443% | 5,202 |
| Cost of funding earning assets | 2.2756% | 2,089 |
| Net interest margin | 3.0687% | 6,404 |
| Noninterest income to average assets | 1.8911% | 416 |
| Noninterest expense to average assets | 4.5131% | 732 |
| Loan and lease loss provision to assets | 0.6036% | 2,974 |
| Net operating income to assets | -0.3867% | 6,298 |
| Return on assets (ROA) | -0.2452% | 6,140 |
| Pretax return on assets | -0.2287% | 6,017 |
| Return on Equity (ROE) | -2.6823% | 6,194 |
| Retained earnings to average equity (ytd only) | -2.6823% | 5,867 |
| Net charge-offs to loans | 0.7830% | 2,404 |
| Credit loss provision to net charge-offs | 102.4000% | 4,967 |
| Earnings coverage of net charge-offs (x) | 0.3960% | 5,629 |
| Efficiency ratio | 95.0323% | 1,327 |
| Assets per employee ($millions) | 2.9130% | 6,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 5,976 |
| Loan loss allowance to noncurrent loans | 21.7655% | 6,996 |
| Noncurrent assets plus other real estate owned to assets | 3.7316% | 1,744 |
| Noncurrent loans to loans | 4.8525% | 1,397 |
| Net loans and leases to total assets | 74.9343% | 2,261 |
| Net loans and leases to deposits | 98.7469% | 1,240 |
| Net loans and leases to core deposits | 127.9372% | 1,583 |
| Total domestic deposits to total assets | 75.8853% | 6,603 |
| Equity capital to assets | 8.7695% | 5,849 |
| Core capital (leverage) ratio | 8.4536% | 5,573 |
| Tier 1 risk-based capital ratio | 11.4646% | 5,464 |
| Total risk-based capital ratio | 12.5531% | 5,580 |
| Memoranda: | ||
| Average total assets | $56,545,250 | 6,522 |
| Average earning assets | $52,615,750 | 6,471 |
| Average equity | $5,169,500 | 6,945 |
| Average total loans | $42,568,500 | 6,040 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5111% | 4,563 |
| Cost of funding earning assets | 2.5184% | 1,553 |
| Net interest margin | 2.9927% | 6,573 |
| Noninterest income to average assets | 2.2439% | 313 |
| Noninterest expense to average assets | 4.8451% | 580 |
| Loan and lease loss provision to assets | 0.2573% | 4,518 |
| Net operating income to assets | -0.0700% | 5,953 |
| Return on assets (ROA) | 0.1036% | 5,652 |
| Pretax return on assets | 0.1286% | 5,604 |
| Return on Equity (ROE) | 1.1176% | 5,602 |
| Retained earnings to average equity (ytd only) | 1.1176% | 4,711 |
| Net charge-offs to loans | 0.3329% | 3,509 |
| Credit loss provision to net charge-offs | 102.8571% | 4,453 |
| Earnings coverage of net charge-offs (x) | 0.6857% | 5,027 |
| Efficiency ratio | 96.5100% | 1,346 |
| Assets per employee ($millions) | 2.9038% | 6,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 5,504 |
| Loan loss allowance to noncurrent loans | 31.1908% | 6,386 |
| Noncurrent assets plus other real estate owned to assets | 2.7387% | 2,350 |
| Noncurrent loans to loans | 3.5707% | 1,959 |
| Net loans and leases to total assets | 74.1885% | 2,656 |
| Net loans and leases to deposits | 91.8912% | 2,490 |
| Net loans and leases to core deposits | 123.8899% | 2,036 |
| Total domestic deposits to total assets | 80.7351% | 5,179 |
| Equity capital to assets | 9.3234% | 4,834 |
| Core capital (leverage) ratio | 9.1538% | 4,376 |
| Tier 1 risk-based capital ratio | 12.5504% | 4,486 |
| Total risk-based capital ratio | 13.6982% | 4,487 |
| Memoranda: | ||
| Average total assets | $55,974,000 | 6,595 |
| Average earning assets | $51,859,330 | 6,561 |
| Average equity | $5,189,670 | 7,003 |
| Average total loans | $42,050,670 | 6,109 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4851% | 4,985 |
| Cost of funding earning assets | 2.6153% | 1,509 |
| Net interest margin | 2.8698% | 6,833 |
| Noninterest income to average assets | 2.4337% | 258 |
| Noninterest expense to average assets | 4.6404% | 630 |
| Loan and lease loss provision to assets | 0.5109% | 2,432 |
| Net operating income to assets | -0.0766% | 6,373 |
| Return on assets (ROA) | 0.3406% | 5,293 |
| Pretax return on assets | 0.3477% | 5,540 |
| Return on Equity (ROE) | 3.6835% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.6835% | 3,852 |
| Net charge-offs to loans | 0.6607% | 1,860 |
| Credit loss provision to net charge-offs | 102.8571% | 3,647 |
| Earnings coverage of net charge-offs (x) | 0.8714% | 4,328 |
| Efficiency ratio | 91.4685% | 1,613 |
| Assets per employee ($millions) | 2.5225% | 7,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 5,387 |
| Loan loss allowance to noncurrent loans | 32.0056% | 6,410 |
| Noncurrent assets plus other real estate owned to assets | 2.8112% | 2,023 |
| Noncurrent loans to loans | 3.4728% | 1,833 |
| Net loans and leases to total assets | 70.2346% | 3,620 |
| Net loans and leases to deposits | 87.0907% | 3,451 |
| Net loans and leases to core deposits | 120.5419% | 2,371 |
| Total domestic deposits to total assets | 80.6453% | 5,116 |
| Equity capital to assets | 9.0008% | 5,346 |
| Core capital (leverage) ratio | 8.7428% | 5,076 |
| Tier 1 risk-based capital ratio | 12.2707% | 4,727 |
| Total risk-based capital ratio | 13.3819% | 4,741 |
| Memoranda: | ||
| Average total assets | $56,374,500 | 6,617 |
| Average earning assets | $51,849,500 | 6,577 |
| Average equity | $5,212,500 | 7,051 |
| Average total loans | $42,379,500 | 6,117 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9350% | 1,292 |
| Cost of funding earning assets | 3.2322% | 1,093 |
| Net interest margin | 3.7028% | 4,462 |
| Noninterest income to average assets | 0.4900% | 4,689 |
| Noninterest expense to average assets | 3.4589% | 2,499 |
| Loan and lease loss provision to assets | 0.1831% | 5,063 |
| Net operating income to assets | 0.2980% | 5,554 |
| Return on assets (ROA) | 0.2980% | 5,364 |
| Pretax return on assets | 0.3087% | 5,493 |
| Return on Equity (ROE) | 3.2921% | 5,122 |
| Retained earnings to average equity (ytd only) | 3.2921% | 3,102 |
| Net charge-offs to loans | 0.2794% | 3,535 |
| Credit loss provision to net charge-offs | 82.9268% | 5,841 |
| Earnings coverage of net charge-offs (x) | 2.2276% | 4,965 |
| Efficiency ratio | 87.5511% | 1,717 |
| Assets per employee ($millions) | 2.3797% | 7,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 5,652 |
| Loan loss allowance to noncurrent loans | 25.6612% | 6,962 |
| Noncurrent assets plus other real estate owned to assets | 3.6121% | 1,220 |
| Noncurrent loans to loans | 4.0801% | 1,197 |
| Net loans and leases to total assets | 78.7419% | 1,950 |
| Net loans and leases to deposits | 101.8047% | 1,603 |
| Net loans and leases to core deposits | 149.7568% | 868 |
| Total domestic deposits to total assets | 77.3460% | 5,907 |
| Equity capital to assets | 9.5063% | 4,684 |
| Core capital (leverage) ratio | 9.1878% | 4,464 |
| Tier 1 risk-based capital ratio | 11.6538% | 5,092 |
| Total risk-based capital ratio | 12.7142% | 5,170 |
| Memoranda: | ||
| Average total assets | $55,712,000 | 6,543 |
| Average earning assets | $52,069,000 | 6,502 |
| Average equity | $5,042,400 | 7,130 |
| Average total loans | $44,021,000 | 5,977 |