Home > First Western Bank > Performance and Condition Ratios
First Western 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 | 5.5655% | 4,249 |
| Cost of funding earning assets | 1.8861% | 4,340 |
| Net interest margin | 3.6793% | 4,046 |
| Noninterest income to average assets | 0.4406% | 4,929 |
| Noninterest expense to average assets | 2.5662% | 5,879 |
| Loan and lease loss provision to assets | 0.6357% | 2,524 |
| Net operating income to assets | 0.0345% | 5,744 |
| Return on assets (ROA) | 0.0447% | 5,812 |
| Pretax return on assets | 0.0088% | 5,850 |
| Return on Equity (ROE) | 0.1841% | 5,864 |
| Retained earnings to average equity (ytd only) | 0.1841% | 5,138 |
| Net charge-offs to loans | 0.3329% | 3,510 |
| Credit loss provision to net charge-offs | 305.4146% | 1,518 |
| Earnings coverage of net charge-offs (x) | 3.0474% | 3,596 |
| Efficiency ratio | 73.7427% | 4,071 |
| Assets per employee ($millions) | 5.2007% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2311% | 474 |
| Loan loss allowance to noncurrent loans | 44.2347% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 5.0252% | 1,051 |
| Noncurrent loans to loans | 7.3045% | 650 |
| Net loans and leases to total assets | 58.1414% | 5,943 |
| Net loans and leases to deposits | 79.1040% | 4,685 |
| Net loans and leases to core deposits | 98.1617% | 4,684 |
| Total domestic deposits to total assets | 73.5000% | 7,038 |
| Equity capital to assets | 24.1054% | 226 |
| Core capital (leverage) ratio | 10.2740% | 3,018 |
| Tier 1 risk-based capital ratio | 12.4408% | 4,566 |
| Total risk-based capital ratio | 13.7099% | 4,474 |
| Memoranda: | ||
| Average total assets | $567,853,000 | 1,248 |
| Average earning assets | $425,948,000 | 1,517 |
| Average equity | $137,985,670 | 507 |
| Average total loans | $355,064,670 | 1,405 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4366% | 5,244 |
| Cost of funding earning assets | 1.8833% | 4,724 |
| Net interest margin | 3.5533% | 4,512 |
| Noninterest income to average assets | 0.3959% | 5,243 |
| Noninterest expense to average assets | 2.3064% | 6,519 |
| Loan and lease loss provision to assets | 0.5409% | 2,307 |
| Net operating income to assets | 0.1754% | 5,731 |
| Return on assets (ROA) | 0.1916% | 5,857 |
| Pretax return on assets | 0.2425% | 5,840 |
| Return on Equity (ROE) | 0.7854% | 6,191 |
| Retained earnings to average equity (ytd only) | 0.7854% | 5,343 |
| Net charge-offs to loans | 0.6531% | 1,877 |
| Credit loss provision to net charge-offs | 129.8812% | 3,088 |
| Earnings coverage of net charge-offs (x) | 1.8319% | 3,813 |
| Efficiency ratio | 68.4174% | 4,889 |
| Assets per employee ($millions) | 5.2462% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8560% | 553 |
| Loan loss allowance to noncurrent loans | 39.8023% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 5.1133% | 877 |
| Noncurrent loans to loans | 7.1754% | 548 |
| Net loans and leases to total assets | 61.0065% | 5,494 |
| Net loans and leases to deposits | 83.5934% | 4,044 |
| Net loans and leases to core deposits | 106.7157% | 3,828 |
| Total domestic deposits to total assets | 72.9801% | 7,055 |
| Equity capital to assets | 24.6125% | 229 |
| Core capital (leverage) ratio | 10.3061% | 3,103 |
| Tier 1 risk-based capital ratio | 11.9294% | 5,019 |
| Total risk-based capital ratio | 13.1943% | 4,916 |
| Memoranda: | ||
| Average total assets | $565,740,000 | 1,256 |
| Average earning assets | $425,637,000 | 1,529 |
| Average equity | $138,027,500 | 503 |
| Average total loans | $360,736,500 | 1,397 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6655% | 2,178 |
| Cost of funding earning assets | 2.4729% | 4,352 |
| Net interest margin | 4.1926% | 2,338 |
| Noninterest income to average assets | 0.8520% | 2,215 |
| Noninterest expense to average assets | 2.6207% | 5,574 |
| Loan and lease loss provision to assets | 0.6274% | 2,321 |
| Net operating income to assets | 0.6313% | 4,184 |
| Return on assets (ROA) | 0.6321% | 4,026 |
| Pretax return on assets | 0.9048% | 3,705 |
| Return on Equity (ROE) | 2.9715% | 5,246 |
| Retained earnings to average equity (ytd only) | 0.8736% | 4,703 |
| Net charge-offs to loans | 0.5167% | 2,292 |
| Credit loss provision to net charge-offs | 173.9238% | 2,929 |
| Earnings coverage of net charge-offs (x) | 4.2444% | 4,056 |
| Efficiency ratio | 57.3087% | 6,818 |
| Assets per employee ($millions) | 5.5353% | 1,436 |
| Cash dividends to net income (ytd only)* | 70.6015% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6811% | 569 |
| Loan loss allowance to noncurrent loans | 49.6936% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 3.4915% | 1,273 |
| Noncurrent loans to loans | 5.3953% | 772 |
| Net loans and leases to total assets | 62.9774% | 5,455 |
| Net loans and leases to deposits | 85.8795% | 4,135 |
| Net loans and leases to core deposits | 108.2547% | 3,936 |
| Total domestic deposits to total assets | 73.3323% | 6,766 |
| Equity capital to assets | 24.1862% | 282 |
| Core capital (leverage) ratio | 9.6499% | 3,831 |
| Tier 1 risk-based capital ratio | 10.8680% | 5,841 |
| Total risk-based capital ratio | 12.1314% | 5,747 |
| Memoranda: | ||
| Average total assets | $560,238,000 | 1,207 |
| Average earning assets | $440,940,800 | 1,414 |
| Average equity | $119,166,000 | 572 |
| Average total loans | $391,118,000 | 1,240 |