Home > First Community Bank of America > Performance and Condition Ratios
First Community Bank of America, 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 | 4.5043% | 5,323 |
| Cost of funding earning assets | 1.2250% | 2,653 |
| Net interest margin | 3.2792% | 5,847 |
| Noninterest income to average assets | 0.3745% | 4,914 |
| Noninterest expense to average assets | 3.2922% | 2,584 |
| Loan and lease loss provision to assets | 2.6525% | 189 |
| Net operating income to assets | -2.6187% | 7,355 |
| Return on assets (ROA) | -2.6187% | 7,356 |
| Pretax return on assets | -2.6187% | 7,339 |
| Return on Equity (ROE) | -47.1994% | 7,403 |
| Retained earnings to average equity (ytd only) | -47.1994% | 7,390 |
| Net charge-offs to loans | 6.8497% | 82 |
| Credit loss provision to net charge-offs | 52.8041% | 3,696 |
| Earnings coverage of net charge-offs (x) | 0.0067% | 4,572 |
| Efficiency ratio | 98.9836% | 788 |
| Assets per employee ($millions) | 5.2591% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6583% | 1,247 |
| Loan loss allowance to noncurrent loans | 27.6446% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 9.4996% | 446 |
| Noncurrent loans to loans | 9.6160% | 436 |
| Net loans and leases to total assets | 71.5143% | 1,810 |
| Net loans and leases to deposits | 88.6615% | 1,391 |
| Net loans and leases to core deposits | 102.3479% | 1,176 |
| Total domestic deposits to total assets | 80.6599% | 5,764 |
| Equity capital to assets | 5.3482% | 7,351 |
| Core capital (leverage) ratio | 5.3821% | 7,321 |
| Tier 1 risk-based capital ratio | 7.6336% | 7,317 |
| Total risk-based capital ratio | 8.9023% | 7,320 |
| Memoranda: | ||
| Average total assets | $461,448,000 | 1,459 |
| Average earning assets | $415,340,000 | 1,474 |
| Average equity | $25,602,000 | 2,483 |
| Average total loans | $338,408,500 | 1,293 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 5,854 |
| Cost of funding earning assets | 1.6799% | 1,686 |
| Net interest margin | 3.0034% | 6,730 |
| Noninterest income to average assets | 0.2958% | 5,673 |
| Noninterest expense to average assets | 2.6391% | 5,265 |
| Loan and lease loss provision to assets | 3.1971% | 276 |
| Net operating income to assets | -3.6884% | 7,401 |
| Return on assets (ROA) | -3.4949% | 7,388 |
| Pretax return on assets | -2.6081% | 7,199 |
| Return on Equity (ROE) | -50.2774% | 7,424 |
| Retained earnings to average equity (ytd only) | -50.2774% | 7,420 |
| Net charge-offs to loans | 3.2784% | 471 |
| Credit loss provision to net charge-offs | 134.7978% | 2,894 |
| Earnings coverage of net charge-offs (x) | 0.1667% | 5,944 |
| Efficiency ratio | 86.9692% | 1,573 |
| Assets per employee ($millions) | 5.1154% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3575% | 653 |
| Loan loss allowance to noncurrent loans | 33.5081% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 9.7188% | 427 |
| Noncurrent loans to loans | 10.0201% | 425 |
| Net loans and leases to total assets | 70.7522% | 2,364 |
| Net loans and leases to deposits | 88.0961% | 1,774 |
| Net loans and leases to core deposits | 104.7649% | 1,266 |
| Total domestic deposits to total assets | 80.3125% | 5,745 |
| Equity capital to assets | 5.7404% | 7,373 |
| Core capital (leverage) ratio | 5.8118% | 7,328 |
| Tier 1 risk-based capital ratio | 8.3707% | 7,317 |
| Total risk-based capital ratio | 9.6490% | 7,324 |
| Memoranda: | ||
| Average total assets | $519,191,400 | 1,286 |
| Average earning assets | $473,434,200 | 1,293 |
| Average equity | $36,089,800 | 1,832 |
| Average total loans | $375,607,400 | 1,210 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6502% | 6,189 |
| Cost of funding earning assets | 1.7324% | 1,709 |
| Net interest margin | 2.9178% | 6,978 |
| Noninterest income to average assets | 0.3132% | 5,647 |
| Noninterest expense to average assets | 2.4170% | 5,979 |
| Loan and lease loss provision to assets | 4.0523% | 155 |
| Net operating income to assets | -4.6455% | 7,620 |
| Return on assets (ROA) | -4.3908% | 7,611 |
| Pretax return on assets | -3.2355% | 7,465 |
| Return on Equity (ROE) | -60.8211% | 7,604 |
| Retained earnings to average equity (ytd only) | -60.8211% | 7,602 |
| Net charge-offs to loans | 3.9758% | 310 |
| Credit loss provision to net charge-offs | 141.2614% | 2,803 |
| Earnings coverage of net charge-offs (x) | 0.1959% | 5,818 |
| Efficiency ratio | 81.1321% | 2,183 |
| Assets per employee ($millions) | 5.2652% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3432% | 606 |
| Loan loss allowance to noncurrent loans | 40.1224% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 7.4674% | 704 |
| Noncurrent loans to loans | 8.3324% | 602 |
| Net loans and leases to total assets | 68.6441% | 3,065 |
| Net loans and leases to deposits | 80.5745% | 3,345 |
| Net loans and leases to core deposits | 101.2389% | 1,726 |
| Total domestic deposits to total assets | 85.1933% | 3,519 |
| Equity capital to assets | 5.6639% | 7,521 |
| Core capital (leverage) ratio | 5.5496% | 7,489 |
| Tier 1 risk-based capital ratio | 8.2120% | 7,459 |
| Total risk-based capital ratio | 9.4900% | 7,463 |
| Memoranda: | ||
| Average total assets | $531,336,000 | 1,275 |
| Average earning assets | $485,468,250 | 1,284 |
| Average equity | $38,358,500 | 1,739 |
| Average total loans | $383,375,000 | 1,194 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7204% | 6,073 |
| Cost of funding earning assets | 1.7919% | 1,670 |
| Net interest margin | 2.9285% | 6,969 |
| Noninterest income to average assets | 0.3067% | 5,707 |
| Noninterest expense to average assets | 2.4257% | 5,989 |
| Loan and lease loss provision to assets | 2.8854% | 351 |
| Net operating income to assets | -4.0336% | 7,627 |
| Return on assets (ROA) | -3.8355% | 7,614 |
| Pretax return on assets | -2.1302% | 7,274 |
| Return on Equity (ROE) | -49.7817% | 7,607 |
| Retained earnings to average equity (ytd only) | -49.7817% | 7,602 |
| Net charge-offs to loans | 4.5465% | 251 |
| Credit loss provision to net charge-offs | 87.5281% | 4,499 |
| Earnings coverage of net charge-offs (x) | 0.1690% | 5,553 |
| Efficiency ratio | 81.3237% | 2,254 |
| Assets per employee ($millions) | 5.5710% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6780% | 3,159 |
| Loan loss allowance to noncurrent loans | 22.3303% | 6,824 |
| Noncurrent assets plus other real estate owned to assets | 6.7999% | 794 |
| Noncurrent loans to loans | 7.5143% | 715 |
| Net loans and leases to total assets | 69.8154% | 2,949 |
| Net loans and leases to deposits | 82.5765% | 3,168 |
| Net loans and leases to core deposits | 104.5090% | 1,585 |
| Total domestic deposits to total assets | 84.5464% | 3,845 |
| Equity capital to assets | 6.9745% | 7,359 |
| Core capital (leverage) ratio | 6.7986% | 7,281 |
| Tier 1 risk-based capital ratio | 9.9436% | 7,057 |
| Total risk-based capital ratio | 11.1996% | 7,028 |
| Memoranda: | ||
| Average total assets | $539,960,670 | 1,259 |
| Average earning assets | $493,432,330 | 1,267 |
| Average equity | $41,601,670 | 1,583 |
| Average total loans | $391,509,670 | 1,174 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7719% | 5,995 |
| Cost of funding earning assets | 1.8653% | 1,585 |
| Net interest margin | 2.9066% | 7,008 |
| Noninterest income to average assets | 0.3144% | 5,638 |
| Noninterest expense to average assets | 2.4346% | 5,970 |
| Loan and lease loss provision to assets | 2.8615% | 357 |
| Net operating income to assets | -1.4189% | 7,300 |
| Return on assets (ROA) | -1.3455% | 7,287 |
| Pretax return on assets | -2.2081% | 7,460 |
| Return on Equity (ROE) | -16.7182% | 7,359 |
| Retained earnings to average equity (ytd only) | -16.7182% | 7,267 |
| Net charge-offs to loans | 3.8590% | 350 |
| Credit loss provision to net charge-offs | 101.2850% | 3,352 |
| Earnings coverage of net charge-offs (x) | 0.1907% | 4,871 |
| Efficiency ratio | 81.8803% | 2,283 |
| Assets per employee ($millions) | 5.6953% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8334% | 2,629 |
| Loan loss allowance to noncurrent loans | 23.5275% | 6,832 |
| Noncurrent assets plus other real estate owned to assets | 6.0683% | 981 |
| Noncurrent loans to loans | 7.7926% | 713 |
| Net loans and leases to total assets | 71.0816% | 2,681 |
| Net loans and leases to deposits | 84.7460% | 2,810 |
| Net loans and leases to core deposits | 109.9000% | 1,278 |
| Total domestic deposits to total assets | 83.8760% | 4,206 |
| Equity capital to assets | 7.9807% | 6,675 |
| Core capital (leverage) ratio | 6.9508% | 7,282 |
| Tier 1 risk-based capital ratio | 10.0386% | 7,001 |
| Total risk-based capital ratio | 11.2972% | 6,992 |
| Memoranda: | ||
| Average total assets | $550,891,500 | 1,265 |
| Average earning assets | $503,951,500 | 1,265 |
| Average equity | $44,335,000 | 1,512 |
| Average total loans | $403,321,500 | 1,176 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2684% | 5,329 |
| Cost of funding earning assets | 2.3552% | 1,439 |
| Net interest margin | 2.9133% | 6,838 |
| Noninterest income to average assets | 0.2873% | 6,053 |
| Noninterest expense to average assets | 2.4453% | 6,319 |
| Loan and lease loss provision to assets | 2.0581% | 1,036 |
| Net operating income to assets | -0.9558% | 6,544 |
| Return on assets (ROA) | -0.9004% | 6,510 |
| Pretax return on assets | -1.4903% | 6,698 |
| Return on Equity (ROE) | -12.0389% | 6,769 |
| Retained earnings to average equity (ytd only) | -12.0389% | 6,685 |
| Net charge-offs to loans | 2.8777% | 758 |
| Credit loss provision to net charge-offs | 92.8941% | 5,898 |
| Earnings coverage of net charge-offs (x) | 0.2172% | 5,913 |
| Efficiency ratio | 83.5577% | 2,406 |
| Assets per employee ($millions) | 5.5489% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7911% | 2,575 |
| Loan loss allowance to noncurrent loans | 26.8706% | 6,693 |
| Noncurrent assets plus other real estate owned to assets | 5.4458% | 1,078 |
| Noncurrent loans to loans | 6.6656% | 890 |
| Net loans and leases to total assets | 72.6946% | 2,584 |
| Net loans and leases to deposits | 86.4923% | 2,823 |
| Net loans and leases to core deposits | 114.1650% | 2,483 |
| Total domestic deposits to total assets | 84.0476% | 4,007 |
| Equity capital to assets | 8.1154% | 6,445 |
| Core capital (leverage) ratio | 7.3014% | 6,982 |
| Tier 1 risk-based capital ratio | 9.9873% | 6,880 |
| Total risk-based capital ratio | 11.2443% | 6,849 |
| Memoranda: | ||
| Average total assets | $540,552,200 | 1,280 |
| Average earning assets | $489,690,400 | 1,289 |
| Average equity | $40,427,200 | 1,655 |
| Average total loans | $416,159,600 | 1,159 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3441% | 5,203 |
| Cost of funding earning assets | 2.4435% | 1,476 |
| Net interest margin | 2.9006% | 6,857 |
| Noninterest income to average assets | 0.2935% | 6,128 |
| Noninterest expense to average assets | 2.4120% | 6,383 |
| Loan and lease loss provision to assets | 1.6598% | 1,131 |
| Net operating income to assets | -0.6966% | 6,601 |
| Return on assets (ROA) | -0.6268% | 6,554 |
| Pretax return on assets | -1.0493% | 6,719 |
| Return on Equity (ROE) | -8.5674% | 6,774 |
| Retained earnings to average equity (ytd only) | -8.5674% | 6,664 |
| Net charge-offs to loans | 2.5717% | 709 |
| Credit loss provision to net charge-offs | 83.0175% | 5,676 |
| Earnings coverage of net charge-offs (x) | 0.2508% | 5,766 |
| Efficiency ratio | 82.7865% | 2,460 |
| Assets per employee ($millions) | 5.5083% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6230% | 2,906 |
| Loan loss allowance to noncurrent loans | 23.1119% | 6,905 |
| Noncurrent assets plus other real estate owned to assets | 5.5926% | 1,012 |
| Noncurrent loans to loans | 7.0222% | 766 |
| Net loans and leases to total assets | 72.9639% | 2,805 |
| Net loans and leases to deposits | 86.3320% | 3,252 |
| Net loans and leases to core deposits | 114.2001% | 2,810 |
| Total domestic deposits to total assets | 84.5155% | 3,471 |
| Equity capital to assets | 7.2009% | 7,489 |
| Core capital (leverage) ratio | 6.5581% | 7,647 |
| Tier 1 risk-based capital ratio | 9.2209% | 7,528 |
| Total risk-based capital ratio | 10.4765% | 7,519 |
| Memoranda: | ||
| Average total assets | $538,355,500 | 1,289 |
| Average earning assets | $486,278,250 | 1,314 |
| Average equity | $39,388,750 | 1,729 |
| Average total loans | $418,543,750 | 1,166 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5022% | 4,615 |
| Cost of funding earning assets | 2.5530% | 1,438 |
| Net interest margin | 2.9493% | 6,685 |
| Noninterest income to average assets | 0.3340% | 5,839 |
| Noninterest expense to average assets | 2.4029% | 6,449 |
| Loan and lease loss provision to assets | 0.7660% | 2,158 |
| Net operating income to assets | -0.0961% | 5,999 |
| Return on assets (ROA) | -0.0860% | 6,039 |
| Pretax return on assets | -0.1791% | 6,102 |
| Return on Equity (ROE) | -1.1683% | 6,095 |
| Retained earnings to average equity (ytd only) | -1.1683% | 5,524 |
| Net charge-offs to loans | 1.3188% | 1,401 |
| Credit loss provision to net charge-offs | 73.5166% | 5,354 |
| Earnings coverage of net charge-offs (x) | 0.5481% | 5,161 |
| Efficiency ratio | 80.7960% | 2,920 |
| Assets per employee ($millions) | 5.7433% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 2,179 |
| Loan loss allowance to noncurrent loans | 29.9810% | 6,479 |
| Noncurrent assets plus other real estate owned to assets | 4.9153% | 1,093 |
| Noncurrent loans to loans | 5.8392% | 953 |
| Net loans and leases to total assets | 74.5670% | 2,551 |
| Net loans and leases to deposits | 88.7298% | 3,048 |
| Net loans and leases to core deposits | 118.4186% | 2,509 |
| Total domestic deposits to total assets | 84.0383% | 3,747 |
| Equity capital to assets | 7.6161% | 7,162 |
| Core capital (leverage) ratio | 7.5891% | 6,915 |
| Tier 1 risk-based capital ratio | 10.6410% | 6,243 |
| Total risk-based capital ratio | 11.8985% | 6,170 |
| Memoranda: | ||
| Average total assets | $530,525,670 | 1,326 |
| Average earning assets | $474,900,330 | 1,364 |
| Average equity | $39,032,330 | 1,744 |
| Average total loans | $419,156,000 | 1,191 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5008% | 4,911 |
| Cost of funding earning assets | 2.5699% | 1,657 |
| Net interest margin | 2.9308% | 6,668 |
| Noninterest income to average assets | 0.3263% | 5,843 |
| Noninterest expense to average assets | 2.4406% | 6,057 |
| Loan and lease loss provision to assets | 0.5375% | 2,322 |
| Net operating income to assets | 0.0503% | 6,130 |
| Return on assets (ROA) | 0.0503% | 6,278 |
| Pretax return on assets | 0.0425% | 6,292 |
| Return on Equity (ROE) | 0.6964% | 6,224 |
| Retained earnings to average equity (ytd only) | 0.6964% | 5,381 |
| Net charge-offs to loans | 1.6093% | 901 |
| Credit loss provision to net charge-offs | 41.3937% | 4,805 |
| Earnings coverage of net charge-offs (x) | 0.4467% | 4,633 |
| Efficiency ratio | 80.7988% | 2,697 |
| Assets per employee ($millions) | 5.3638% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6914% | 2,175 |
| Loan loss allowance to noncurrent loans | 52.5149% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 3.0927% | 1,824 |
| Noncurrent loans to loans | 3.2209% | 2,008 |
| Net loans and leases to total assets | 78.2806% | 1,754 |
| Net loans and leases to deposits | 93.1044% | 2,417 |
| Net loans and leases to core deposits | 123.4311% | 2,121 |
| Total domestic deposits to total assets | 84.0783% | 3,673 |
| Equity capital to assets | 7.1007% | 7,621 |
| Core capital (leverage) ratio | 7.0077% | 7,627 |
| Tier 1 risk-based capital ratio | 9.6171% | 7,322 |
| Total risk-based capital ratio | 10.8745% | 7,255 |
| Memoranda: | ||
| Average total assets | $517,240,500 | 1,373 |
| Average earning assets | $475,496,500 | 1,367 |
| Average equity | $37,334,000 | 1,826 |
| Average total loans | $417,328,000 | 1,214 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2659% | 4,153 |
| Cost of funding earning assets | 2.9534% | 2,046 |
| Net interest margin | 3.3125% | 5,993 |
| Noninterest income to average assets | 0.4171% | 5,324 |
| Noninterest expense to average assets | 2.7431% | 5,083 |
| Loan and lease loss provision to assets | 1.9518% | 628 |
| Net operating income to assets | -0.7429% | 7,095 |
| Return on assets (ROA) | -0.7429% | 7,001 |
| Pretax return on assets | -1.2353% | 7,133 |
| Return on Equity (ROE) | -9.9092% | 7,273 |
| Retained earnings to average equity (ytd only) | -9.9092% | 7,065 |
| Net charge-offs to loans | 1.3116% | 908 |
| Credit loss provision to net charge-offs | 178.9423% | 2,824 |
| Earnings coverage of net charge-offs (x) | 0.6569% | 5,829 |
| Efficiency ratio | 76.6750% | 3,123 |
| Assets per employee ($millions) | 5.1903% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9751% | 1,272 |
| Loan loss allowance to noncurrent loans | 61.7897% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 2.8777% | 1,619 |
| Noncurrent loans to loans | 3.1965% | 1,647 |
| Net loans and leases to total assets | 80.1818% | 1,615 |
| Net loans and leases to deposits | 97.5546% | 2,186 |
| Net loans and leases to core deposits | 119.0120% | 2,785 |
| Total domestic deposits to total assets | 82.1917% | 4,125 |
| Equity capital to assets | 7.3416% | 7,518 |
| Core capital (leverage) ratio | 7.2738% | 7,446 |
| Tier 1 risk-based capital ratio | 9.8113% | 6,945 |
| Total risk-based capital ratio | 11.0729% | 6,820 |
| Memoranda: | ||
| Average total assets | $473,255,400 | 1,458 |
| Average earning assets | $434,683,200 | 1,441 |
| Average equity | $35,482,000 | 1,901 |
| Average total loans | $393,565,000 | 1,232 |