Home > First Regional Bank > Performance and Condition Ratios
First Regional Bank, Performance and Condition Ratios
| 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 | 4.5033% | 7,379 |
| Cost of funding earning assets | 1.6531% | 4,778 |
| Net interest margin | 2.8503% | 6,964 |
| Noninterest income to average assets | 0.1733% | 6,836 |
| Noninterest expense to average assets | 3.2335% | 3,262 |
| Loan and lease loss provision to assets | 5.4405% | 150 |
| Net operating income to assets | -5.2767% | 7,780 |
| Return on assets (ROA) | -5.2526% | 7,766 |
| Pretax return on assets | -5.8009% | 7,785 |
| Return on Equity (ROE) | -71.2186% | 7,817 |
| Retained earnings to average equity (ytd only) | -71.2186% | 7,814 |
| Net charge-offs to loans | 5.5658% | 199 |
| Credit loss provision to net charge-offs | 104.3290% | 5,299 |
| Earnings coverage of net charge-offs (x) | -0.0742% | 6,303 |
| Efficiency ratio | 113.5882% | 724 |
| Assets per employee ($millions) | 7.5734% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4216% | 563 |
| Loan loss allowance to noncurrent loans | 18.2623% | 7,135 |
| Noncurrent assets plus other real estate owned to assets | 20.8627% | 49 |
| Noncurrent loans to loans | 18.7361% | 87 |
| Net loans and leases to total assets | 90.1543% | 83 |
| Net loans and leases to deposits | 112.8078% | 300 |
| Net loans and leases to core deposits | 147.7063% | 564 |
| Total domestic deposits to total assets | 79.9185% | 5,693 |
| Equity capital to assets | 5.7753% | 7,694 |
| Core capital (leverage) ratio | 5.5381% | 7,704 |
| Tier 1 risk-based capital ratio | 5.8205% | 7,825 |
| Total risk-based capital ratio | 7.0950% | 7,828 |
| Memoranda: | ||
| Average total assets | $2,297,232,200 | 316 |
| Average earning assets | $2,154,641,200 | 306 |
| Average equity | $169,429,000 | 406 |
| Average total loans | $2,152,345,200 | 244 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6172% | 7,396 |
| Cost of funding earning assets | 1.7554% | 4,615 |
| Net interest margin | 2.8618% | 6,934 |
| Noninterest income to average assets | 0.3161% | 5,951 |
| Noninterest expense to average assets | 2.9391% | 4,280 |
| Loan and lease loss provision to assets | 6.1866% | 97 |
| Net operating income to assets | -6.2685% | 7,940 |
| Return on assets (ROA) | -6.2685% | 7,937 |
| Pretax return on assets | -6.1133% | 7,914 |
| Return on Equity (ROE) | -81.0961% | 7,968 |
| Retained earnings to average equity (ytd only) | -81.0961% | 7,967 |
| Net charge-offs to loans | 6.8117% | 115 |
| Credit loss provision to net charge-offs | 96.8585% | 5,273 |
| Earnings coverage of net charge-offs (x) | 0.0115% | 6,050 |
| Efficiency ratio | 97.5675% | 1,183 |
| Assets per employee ($millions) | 7.7177% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8862% | 732 |
| Loan loss allowance to noncurrent loans | 18.5745% | 7,165 |
| Noncurrent assets plus other real estate owned to assets | 17.5964% | 72 |
| Noncurrent loans to loans | 15.5385% | 135 |
| Net loans and leases to total assets | 89.0420% | 156 |
| Net loans and leases to deposits | 104.4710% | 741 |
| Net loans and leases to core deposits | 137.5965% | 1,031 |
| Total domestic deposits to total assets | 85.2313% | 3,110 |
| Equity capital to assets | 6.0073% | 7,860 |
| Core capital (leverage) ratio | 5.9437% | 7,812 |
| Tier 1 risk-based capital ratio | 6.1915% | 7,948 |
| Total risk-based capital ratio | 7.4603% | 7,951 |
| Memoranda: | ||
| Average total assets | $2,350,869,250 | 320 |
| Average earning assets | $2,214,926,750 | 313 |
| Average equity | $181,715,750 | 383 |
| Average total loans | $2,204,393,750 | 252 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6669% | 7,431 |
| Cost of funding earning assets | 1.8338% | 4,590 |
| Net interest margin | 2.8331% | 6,950 |
| Noninterest income to average assets | 0.3268% | 5,898 |
| Noninterest expense to average assets | 2.8736% | 4,605 |
| Loan and lease loss provision to assets | 9.0362% | 44 |
| Net operating income to assets | -9.1225% | 8,100 |
| Return on assets (ROA) | -9.1225% | 8,094 |
| Pretax return on assets | -8.8951% | 8,075 |
| Return on Equity (ROE) | -110.5651% | 8,088 |
| Retained earnings to average equity (ytd only) | -110.5651% | 8,087 |
| Net charge-offs to loans | 9.5664% | 64 |
| Credit loss provision to net charge-offs | 100.0617% | 4,556 |
| Earnings coverage of net charge-offs (x) | 0.0156% | 5,666 |
| Efficiency ratio | 95.3216% | 1,420 |
| Assets per employee ($millions) | 8.0107% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8387% | 656 |
| Loan loss allowance to noncurrent loans | 26.3650% | 6,751 |
| Noncurrent assets plus other real estate owned to assets | 11.1345% | 225 |
| Noncurrent loans to loans | 10.7668% | 296 |
| Net loans and leases to total assets | 92.0557% | 57 |
| Net loans and leases to deposits | 104.3493% | 887 |
| Net loans and leases to core deposits | 134.7888% | 1,271 |
| Total domestic deposits to total assets | 88.2188% | 1,660 |
| Equity capital to assets | 5.7723% | 7,966 |
| Core capital (leverage) ratio | 5.4618% | 7,989 |
| Tier 1 risk-based capital ratio | 5.8819% | 8,063 |
| Total risk-based capital ratio | 7.1505% | 8,070 |
| Memoranda: | ||
| Average total assets | $2,406,459,000 | 325 |
| Average earning assets | $2,283,115,000 | 315 |
| Average equity | $198,552,670 | 366 |
| Average total loans | $2,271,670,330 | 253 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8436% | 7,301 |
| Cost of funding earning assets | 1.9319% | 4,479 |
| Net interest margin | 2.9116% | 6,716 |
| Noninterest income to average assets | 0.3024% | 6,019 |
| Noninterest expense to average assets | 2.5901% | 5,498 |
| Loan and lease loss provision to assets | 1.2310% | 1,052 |
| Net operating income to assets | -0.3160% | 6,699 |
| Return on assets (ROA) | -0.3160% | 6,776 |
| Pretax return on assets | -0.7536% | 7,005 |
| Return on Equity (ROE) | -3.3630% | 6,818 |
| Retained earnings to average equity (ytd only) | -3.3630% | 6,338 |
| Net charge-offs to loans | 0.1149% | 4,049 |
| Credit loss provision to net charge-offs | 1,137.1257% | 558 |
| Earnings coverage of net charge-offs (x) | 4.4102% | 2,891 |
| Efficiency ratio | 84.4358% | 2,256 |
| Assets per employee ($millions) | 8.6593% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9448% | 505 |
| Loan loss allowance to noncurrent loans | 29.9159% | 6,558 |
| Noncurrent assets plus other real estate owned to assets | 9.7247% | 240 |
| Noncurrent loans to loans | 9.8436% | 303 |
| Net loans and leases to total assets | 90.8452% | 108 |
| Net loans and leases to deposits | 101.7634% | 1,203 |
| Net loans and leases to core deposits | 128.2868% | 1,761 |
| Total domestic deposits to total assets | 89.2710% | 1,110 |
| Equity capital to assets | 9.6756% | 4,420 |
| Core capital (leverage) ratio | 9.5975% | 3,870 |
| Tier 1 risk-based capital ratio | 9.8633% | 7,069 |
| Total risk-based capital ratio | 11.1332% | 6,946 |
| Memoranda: | ||
| Average total assets | $2,468,159,000 | 318 |
| Average earning assets | $2,343,971,500 | 305 |
| Average equity | $231,936,500 | 321 |
| Average total loans | $2,325,961,500 | 249 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6853% | 2,082 |
| Cost of funding earning assets | 2.1965% | 5,616 |
| Net interest margin | 4.4888% | 1,451 |
| Noninterest income to average assets | 0.4255% | 5,257 |
| Noninterest expense to average assets | 2.3743% | 6,492 |
| Loan and lease loss provision to assets | 3.9639% | 167 |
| Net operating income to assets | -0.7819% | 7,124 |
| Return on assets (ROA) | -0.7116% | 6,976 |
| Pretax return on assets | -1.5321% | 7,270 |
| Return on Equity (ROE) | -7.0729% | 7,054 |
| Retained earnings to average equity (ytd only) | -11.2774% | 7,182 |
| Net charge-offs to loans | 2.4510% | 400 |
| Credit loss provision to net charge-offs | 169.9452% | 3,018 |
| Earnings coverage of net charge-offs (x) | 0.9955% | 5,628 |
| Efficiency ratio | 50.5562% | 7,621 |
| Assets per employee ($millions) | 8.1719% | 442 |
| Cash dividends to net income (ytd only)* | -59.4460% | 8,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6281% | 596 |
| Loan loss allowance to noncurrent loans | 55.2298% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 4.9057% | 715 |
| Noncurrent loans to loans | 4.7586% | 968 |
| Net loans and leases to total assets | 92.3867% | 71 |
| Net loans and leases to deposits | 105.6531% | 1,157 |
| Net loans and leases to core deposits | 128.8082% | 1,940 |
| Total domestic deposits to total assets | 87.4434% | 1,730 |
| Equity capital to assets | 9.1167% | 5,199 |
| Core capital (leverage) ratio | 9.1857% | 4,465 |
| Tier 1 risk-based capital ratio | 9.0764% | 7,736 |
| Total risk-based capital ratio | 10.3422% | 7,687 |
| Memoranda: | ||
| Average total assets | $2,363,841,000 | 313 |
| Average earning assets | $2,249,043,800 | 298 |
| Average equity | $237,838,000 | 319 |
| Average total loans | $2,249,572,000 | 250 |