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First Community Bank East Texas, Performance and Condition Ratios

2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7386%1,907
Cost of funding earning assets2.1752%5,702
Net interest margin4.5635%1,276
Noninterest income to average assets0.4802%4,795
Noninterest expense to average assets2.7814%4,904
Loan and lease loss provision to assets0.5605%2,576
Net operating income to assets0.4269%5,044
Return on assets (ROA)0.4269%4,861
Pretax return on assets0.5852%4,738
Return on Equity (ROE)2.2428%5,526
Retained earnings to average equity (ytd only)2.2428%3,816
Net charge-offs to loans0.2099%4,108
Credit loss provision to net charge-offs392.3077%1,126
Earnings coverage of net charge-offs (x)8.0192%2,962
Efficiency ratio67.4969%4,815
Assets per employee ($millions)4.7418%2,262
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.3347%3,564
Loan loss allowance to noncurrent loans73.2040%4,414
Noncurrent assets plus other real estate owned to assets1.2437%3,737
Noncurrent loans to loans1.8233%3,028
Net loans and leases to total assets65.8102%4,891
Net loans and leases to deposits80.9673%4,877
Net loans and leases to core deposits97.1003%5,140
Total domestic deposits to total assets81.2800%4,522
Equity capital to assets17.3045%744
Core capital (leverage) ratio8.5567%5,469
Tier 1 risk-based capital ratio10.9183%5,800
Total risk-based capital ratio12.1694%5,715
Memoranda:
Average total assets$181,995,6003,389
Average earning assets$137,461,4003,902
Average equity$34,644,8001,961
Average total loans$123,861,8003,385