Home > FirstBank Financial Services > Performance and Condition Ratios
FirstBank Financial Services, Performance and Condition Ratios
| 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 | 5.5049% | 7,291 |
| Cost of funding earning assets | 4.1759% | 51 |
| Net interest margin | 1.3290% | 8,200 |
| Noninterest income to average assets | 0.1231% | 7,503 |
| Noninterest expense to average assets | 2.2528% | 6,826 |
| Loan and lease loss provision to assets | 5.8880% | 64 |
| Net operating income to assets | -6.8718% | 8,192 |
| Return on assets (ROA) | -6.8273% | 8,183 |
| Pretax return on assets | -6.8083% | 8,151 |
| Return on Equity (ROE) | -107.4817% | 8,283 |
| Retained earnings to average equity (ytd only) | -107.4817% | 8,278 |
| Net charge-offs to loans | 3.7779% | 195 |
| Credit loss provision to net charge-offs | 238.6129% | 1,980 |
| Earnings coverage of net charge-offs (x) | -0.3910% | 6,454 |
| Efficiency ratio | 174.9000% | 268 |
| Assets per employee ($millions) | 5.9856% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0212% | 16 |
| Loan loss allowance to noncurrent loans | 26.4240% | 6,918 |
| Noncurrent assets plus other real estate owned to assets | 34.3327% | 7 |
| Noncurrent loans to loans | 34.1402% | 10 |
| Net loans and leases to total assets | 62.7950% | 5,490 |
| Net loans and leases to deposits | 71.3223% | 6,130 |
| Net loans and leases to core deposits | 80.3716% | 6,587 |
| Total domestic deposits to total assets | 88.0440% | 1,456 |
| Equity capital to assets | 2.5750% | 8,279 |
| Core capital (leverage) ratio | 2.3149% | 8,283 |
| Tier 1 risk-based capital ratio | 3.1303% | 8,286 |
| Total risk-based capital ratio | 4.4609% | 8,285 |
| Memoranda: | ||
| Average total assets | $368,697,000 | 1,823 |
| Average earning assets | $323,185,600 | 1,884 |
| Average equity | $23,419,800 | 2,799 |
| Average total loans | $240,821,000 | 1,963 |