Home > First Community Bank Central Texas > Performance and Condition Ratios
First Community Bank Central Texas, Performance and Condition Ratios
| 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 | 5.9987% | 5,550 |
| Cost of funding earning assets | 3.0568% | 1,651 |
| Net interest margin | 2.9419% | 7,051 |
| Noninterest income to average assets | 0.4759% | 4,830 |
| Noninterest expense to average assets | 4.7786% | 723 |
| Loan and lease loss provision to assets | 0.9616% | 1,532 |
| Net operating income to assets | -2.6808% | 7,754 |
| Return on assets (ROA) | -2.6808% | 7,727 |
| Pretax return on assets | -2.6638% | 7,633 |
| Return on Equity (ROE) | -21.6848% | 7,796 |
| Retained earnings to average equity (ytd only) | -21.6848% | 7,725 |
| Net charge-offs to loans | 0.4772% | 2,448 |
| Credit loss provision to net charge-offs | 268.2513% | 1,723 |
| Earnings coverage of net charge-offs (x) | -4.7487% | 6,829 |
| Efficiency ratio | 152.3838% | 337 |
| Assets per employee ($millions) | 3.0653% | 5,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 4,294 |
| Loan loss allowance to noncurrent loans | 95.7426% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.0138% | 4,295 |
| Noncurrent loans to loans | 1.2866% | 3,938 |
| Net loans and leases to total assets | 77.8255% | 2,191 |
| Net loans and leases to deposits | 88.2515% | 3,762 |
| Net loans and leases to core deposits | 142.6462% | 1,147 |
| Total domestic deposits to total assets | 88.1860% | 1,393 |
| Equity capital to assets | 11.3412% | 2,758 |
| Core capital (leverage) ratio | 8.4013% | 5,760 |
| Tier 1 risk-based capital ratio | 9.8015% | 6,958 |
| Total risk-based capital ratio | 11.0207% | 6,883 |
| Memoranda: | ||
| Average total assets | $164,316,200 | 3,641 |
| Average earning assets | $145,248,400 | 3,736 |
| Average equity | $20,313,800 | 3,177 |
| Average total loans | $123,419,600 | 3,391 |