Home > First Texas Bank > Performance and Condition Ratios
First Texas Bank, Performance and Condition Ratios
| 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 | 5.0063% | 6,749 |
| Cost of funding earning assets | 0.5957% | 7,990 |
| Net interest margin | 4.4106% | 1,387 |
| Noninterest income to average assets | 0.8128% | 2,353 |
| Noninterest expense to average assets | 4.5971% | 700 |
| Loan and lease loss provision to assets | 0.3446% | 3,866 |
| Net operating income to assets | -0.0648% | 5,946 |
| Return on assets (ROA) | -0.0648% | 6,011 |
| Pretax return on assets | -0.1384% | 6,050 |
| Return on Equity (ROE) | -0.6767% | 6,026 |
| Retained earnings to average equity (ytd only) | -0.6767% | 5,396 |
| Net charge-offs to loans | 0.6593% | 2,384 |
| Credit loss provision to net charge-offs | 82.9787% | 5,122 |
| Earnings coverage of net charge-offs (x) | 0.4965% | 5,205 |
| Efficiency ratio | 95.7082% | 1,399 |
| Assets per employee ($millions) | 2.3231% | 7,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8043% | 7,142 |
| Loan loss allowance to noncurrent loans | 54.4992% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 3.6634% | 1,683 |
| Noncurrent loans to loans | 1.4759% | 4,279 |
| Net loans and leases to total assets | 58.7629% | 5,865 |
| Net loans and leases to deposits | 65.4239% | 6,443 |
| Net loans and leases to core deposits | 82.0052% | 6,242 |
| Total domestic deposits to total assets | 89.8188% | 906 |
| Equity capital to assets | 9.5994% | 4,489 |
| Core capital (leverage) ratio | 9.1579% | 4,367 |
| Tier 1 risk-based capital ratio | 15.4791% | 2,819 |
| Total risk-based capital ratio | 16.2534% | 2,959 |
| Memoranda: | ||
| Average total assets | $67,913,000 | 6,157 |
| Average earning assets | $61,442,330 | 6,167 |
| Average equity | $6,501,670 | 6,530 |
| Average total loans | $42,772,670 | 6,075 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0306% | 6,858 |
| Cost of funding earning assets | 0.6240% | 8,039 |
| Net interest margin | 4.4066% | 1,327 |
| Noninterest income to average assets | 0.8213% | 2,224 |
| Noninterest expense to average assets | 4.4526% | 748 |
| Loan and lease loss provision to assets | 0.1232% | 5,387 |
| Net operating income to assets | 0.1995% | 5,660 |
| Return on assets (ROA) | 0.1995% | 5,826 |
| Pretax return on assets | 0.2640% | 5,776 |
| Return on Equity (ROE) | 2.0862% | 5,746 |
| Retained earnings to average equity (ytd only) | 2.0862% | 4,707 |
| Net charge-offs to loans | 0.3077% | 2,876 |
| Credit loss provision to net charge-offs | 61.7647% | 4,483 |
| Earnings coverage of net charge-offs (x) | 1.9412% | 3,748 |
| Efficiency ratio | 92.0000% | 1,568 |
| Assets per employee ($millions) | 2.5020% | 7,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7446% | 7,325 |
| Loan loss allowance to noncurrent loans | 14.1820% | 7,427 |
| Noncurrent assets plus other real estate owned to assets | 3.8427% | 1,369 |
| Noncurrent loans to loans | 5.2504% | 1,014 |
| Net loans and leases to total assets | 63.1718% | 5,128 |
| Net loans and leases to deposits | 69.9418% | 5,983 |
| Net loans and leases to core deposits | 87.0356% | 5,834 |
| Total domestic deposits to total assets | 90.3205% | 665 |
| Equity capital to assets | 9.3241% | 4,902 |
| Core capital (leverage) ratio | 8.8703% | 4,894 |
| Tier 1 risk-based capital ratio | 14.6481% | 3,230 |
| Total risk-based capital ratio | 15.3994% | 3,430 |
| Memoranda: | ||
| Average total assets | $68,185,000 | 6,169 |
| Average earning assets | $62,179,000 | 6,168 |
| Average equity | $6,519,000 | 6,580 |
| Average total loans | $44,204,500 | 6,053 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4736% | 3,097 |
| Cost of funding earning assets | 1.0135% | 8,050 |
| Net interest margin | 5.4601% | 218 |
| Noninterest income to average assets | 0.6909% | 3,178 |
| Noninterest expense to average assets | 4.1513% | 1,201 |
| Loan and lease loss provision to assets | 0.9081% | 1,645 |
| Net operating income to assets | 0.4013% | 5,144 |
| Return on assets (ROA) | 0.4013% | 4,959 |
| Pretax return on assets | 0.5642% | 4,797 |
| Return on Equity (ROE) | 4.0059% | 4,828 |
| Retained earnings to average equity (ytd only) | -2.7710% | 6,047 |
| Net charge-offs to loans | 1.1463% | 1,054 |
| Credit loss provision to net charge-offs | 120.8835% | 4,442 |
| Earnings coverage of net charge-offs (x) | 1.9598% | 5,084 |
| Efficiency ratio | 73.8197% | 3,614 |
| Assets per employee ($millions) | 2.3684% | 7,457 |
| Cash dividends to net income (ytd only)* | 169.1729% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7873% | 7,152 |
| Loan loss allowance to noncurrent loans | 61.4973% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 1.0194% | 4,280 |
| Noncurrent loans to loans | 1.2802% | 3,953 |
| Net loans and leases to total assets | 65.5613% | 4,942 |
| Net loans and leases to deposits | 72.9357% | 5,953 |
| Net loans and leases to core deposits | 79.9636% | 6,621 |
| Total domestic deposits to total assets | 89.8892% | 696 |
| Equity capital to assets | 9.8108% | 4,278 |
| Core capital (leverage) ratio | 9.6156% | 3,861 |
| Tier 1 risk-based capital ratio | 14.6541% | 3,229 |
| Total risk-based capital ratio | 15.4392% | 3,378 |
| Memoranda: | ||
| Average total assets | $66,292,000 | 6,149 |
| Average earning assets | $59,889,400 | 6,175 |
| Average equity | $6,640,200 | 6,589 |
| Average total loans | $43,446,000 | 6,006 |