Home > FirstBank North > Performance and Condition Ratios
FirstBank North, Performance and Condition Ratios
| 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 | 4.5796% | 6,390 |
| Cost of funding earning assets | 0.7244% | 6,995 |
| Net interest margin | 3.8552% | 3,732 |
| Noninterest income to average assets | 1.0525% | 1,300 |
| Noninterest expense to average assets | 2.3403% | 6,201 |
| Loan and lease loss provision to assets | 0.1586% | 5,455 |
| Net operating income to assets | 1.7224% | 596 |
| Return on assets (ROA) | 1.1444% | 1,855 |
| Pretax return on assets | 1.4461% | 1,757 |
| Return on Equity (ROE) | 13.1096% | 1,228 |
| Retained earnings to average equity (ytd only) | 13.1096% | 335 |
| Net charge-offs to loans | 0.3207% | 4,056 |
| Credit loss provision to net charge-offs | 236.5546% | 1,425 |
| Earnings coverage of net charge-offs (x) | 34.8440% | 774 |
| Efficiency ratio | 50.0422% | 7,148 |
| Assets per employee ($millions) | 6.7013% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7181% | 3,100 |
| Loan loss allowance to noncurrent loans | 385.0549% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.4560% | 6,287 |
| Noncurrent loans to loans | 0.4462% | 6,298 |
| Net loans and leases to total assets | 20.7720% | 7,615 |
| Net loans and leases to deposits | 23.3474% | 7,639 |
| Net loans and leases to core deposits | 25.1335% | 7,625 |
| Total domestic deposits to total assets | 88.9689% | 1,404 |
| Equity capital to assets | 10.0974% | 4,023 |
| Core capital (leverage) ratio | 9.2744% | 4,243 |
| Tier 1 risk-based capital ratio | 20.9618% | 1,364 |
| Total risk-based capital ratio | 21.8032% | 1,418 |
| Memoranda: | ||
| Average total assets | $473,258,500 | 1,432 |
| Average earning assets | $444,892,750 | 1,385 |
| Average equity | $41,312,250 | 1,606 |
| Average total loans | $98,946,000 | 3,892 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5594% | 6,564 |
| Cost of funding earning assets | 0.7493% | 7,067 |
| Net interest margin | 3.8100% | 3,852 |
| Noninterest income to average assets | 1.0068% | 1,366 |
| Noninterest expense to average assets | 2.3140% | 6,316 |
| Loan and lease loss provision to assets | 0.0153% | 6,766 |
| Net operating income to assets | 1.8982% | 399 |
| Return on assets (ROA) | 0.9703% | 2,379 |
| Pretax return on assets | 1.1544% | 2,571 |
| Return on Equity (ROE) | 11.7446% | 1,517 |
| Retained earnings to average equity (ytd only) | 11.7446% | 528 |
| Net charge-offs to loans | 0.3962% | 3,389 |
| Credit loss provision to net charge-offs | 18.5567% | 5,869 |
| Earnings coverage of net charge-offs (x) | 27.5619% | 972 |
| Efficiency ratio | 50.4311% | 7,199 |
| Assets per employee ($millions) | 6.5889% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 4,932 |
| Loan loss allowance to noncurrent loans | 270.9402% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 6,015 |
| Noncurrent loans to loans | 0.4788% | 6,293 |
| Net loans and leases to total assets | 20.0561% | 7,693 |
| Net loans and leases to deposits | 22.3735% | 7,717 |
| Net loans and leases to core deposits | 24.0400% | 7,704 |
| Total domestic deposits to total assets | 89.6420% | 1,103 |
| Equity capital to assets | 9.5340% | 4,656 |
| Core capital (leverage) ratio | 8.9141% | 4,733 |
| Tier 1 risk-based capital ratio | 20.2526% | 1,472 |
| Total risk-based capital ratio | 20.8676% | 1,555 |
| Memoranda: | ||
| Average total assets | $470,180,670 | 1,451 |
| Average earning assets | $441,991,330 | 1,402 |
| Average equity | $38,843,330 | 1,711 |
| Average total loans | $97,936,330 | 3,967 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5375% | 6,708 |
| Cost of funding earning assets | 0.7617% | 7,201 |
| Net interest margin | 3.7757% | 3,891 |
| Noninterest income to average assets | 1.0603% | 1,131 |
| Noninterest expense to average assets | 2.2850% | 6,420 |
| Loan and lease loss provision to assets | 0.1257% | 5,319 |
| Net operating income to assets | 1.6628% | 664 |
| Return on assets (ROA) | 0.2324% | 5,686 |
| Pretax return on assets | -0.0404% | 6,403 |
| Return on Equity (ROE) | 3.0564% | 5,315 |
| Retained earnings to average equity (ytd only) | 3.0564% | 4,303 |
| Net charge-offs to loans | 0.1673% | 3,923 |
| Credit loss provision to net charge-offs | 356.0976% | 1,140 |
| Earnings coverage of net charge-offs (x) | 65.7561% | 464 |
| Efficiency ratio | 49.6169% | 7,341 |
| Assets per employee ($millions) | 6.7528% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 3,632 |
| Loan loss allowance to noncurrent loans | 85.5705% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 6,258 |
| Noncurrent loans to loans | 1.8185% | 4,036 |
| Net loans and leases to total assets | 19.9077% | 7,787 |
| Net loans and leases to deposits | 23.0656% | 7,814 |
| Net loans and leases to core deposits | 24.8482% | 7,799 |
| Total domestic deposits to total assets | 86.3090% | 2,980 |
| Equity capital to assets | 8.6020% | 5,867 |
| Core capital (leverage) ratio | 8.9605% | 4,636 |
| Tier 1 risk-based capital ratio | 19.7279% | 1,577 |
| Total risk-based capital ratio | 20.4859% | 1,640 |
| Memoranda: | ||
| Average total assets | $464,775,000 | 1,507 |
| Average earning assets | $436,366,000 | 1,461 |
| Average equity | $35,336,000 | 1,908 |
| Average total loans | $98,036,500 | 4,018 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2997% | 5,172 |
| Cost of funding earning assets | 1.1820% | 6,724 |
| Net interest margin | 4.1177% | 2,374 |
| Noninterest income to average assets | 1.2095% | 1,052 |
| Noninterest expense to average assets | 2.5793% | 5,866 |
| Loan and lease loss provision to assets | 0.1651% | 6,039 |
| Net operating income to assets | 1.7552% | 393 |
| Return on assets (ROA) | 1.6269% | 544 |
| Pretax return on assets | 2.1628% | 301 |
| Return on Equity (ROE) | 27.8236% | 62 |
| Retained earnings to average equity (ytd only) | 16.5863% | 67 |
| Net charge-offs to loans | 0.2349% | 5,157 |
| Credit loss provision to net charge-offs | 312.6697% | 1,046 |
| Earnings coverage of net charge-offs (x) | 47.3258% | 543 |
| Efficiency ratio | 50.7904% | 7,486 |
| Assets per employee ($millions) | 6.3335% | 1,063 |
| Cash dividends to net income (ytd only)* | 40.3877% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 3,933 |
| Loan loss allowance to noncurrent loans | 93.0809% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4394% | 6,359 |
| Noncurrent loans to loans | 1.5672% | 4,302 |
| Net loans and leases to total assets | 21.7268% | 7,844 |
| Net loans and leases to deposits | 23.3824% | 7,888 |
| Net loans and leases to core deposits | 27.2535% | 7,884 |
| Total domestic deposits to total assets | 92.9195% | 140 |
| Equity capital to assets | 6.5071% | 7,560 |
| Core capital (leverage) ratio | 6.4401% | 7,515 |
| Tier 1 risk-based capital ratio | 13.9916% | 3,506 |
| Total risk-based capital ratio | 14.7191% | 3,788 |
| Memoranda: | ||
| Average total assets | $418,525,000 | 1,649 |
| Average earning assets | $393,228,800 | 1,617 |
| Average equity | $24,472,000 | 2,665 |
| Average total loans | $94,073,200 | 4,106 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4078% | 4,906 |
| Cost of funding earning assets | 1.2597% | 6,683 |
| Net interest margin | 4.1481% | 2,220 |
| Noninterest income to average assets | 1.2459% | 993 |
| Noninterest expense to average assets | 2.5769% | 5,794 |
| Loan and lease loss provision to assets | 0.1510% | 5,837 |
| Net operating income to assets | 1.8076% | 434 |
| Return on assets (ROA) | 1.6340% | 673 |
| Pretax return on assets | 2.1879% | 364 |
| Return on Equity (ROE) | 28.8187% | 69 |
| Retained earnings to average equity (ytd only) | 15.9863% | 129 |
| Net charge-offs to loans | 0.1231% | 5,464 |
| Credit loss provision to net charge-offs | 543.0233% | 723 |
| Earnings coverage of net charge-offs (x) | 92.4333% | 384 |
| Efficiency ratio | 50.0628% | 7,548 |
| Assets per employee ($millions) | 6.2319% | 1,106 |
| Cash dividends to net income (ytd only)* | 44.5281% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 3,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 7,257 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 20.9250% | 7,945 |
| Net loans and leases to deposits | 22.7509% | 7,978 |
| Net loans and leases to core deposits | 26.6208% | 7,964 |
| Total domestic deposits to total assets | 91.9743% | 182 |
| Equity capital to assets | 6.4211% | 7,778 |
| Core capital (leverage) ratio | 6.3144% | 7,728 |
| Tier 1 risk-based capital ratio | 13.6282% | 3,763 |
| Total risk-based capital ratio | 14.3237% | 4,076 |
| Memoranda: | ||
| Average total assets | $412,319,500 | 1,692 |
| Average earning assets | $387,800,750 | 1,645 |
| Average equity | $23,377,750 | 2,822 |
| Average total loans | $93,153,750 | 4,170 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5660% | 4,244 |
| Cost of funding earning assets | 1.3560% | 6,626 |
| Net interest margin | 4.2100% | 1,958 |
| Noninterest income to average assets | 1.2455% | 987 |
| Noninterest expense to average assets | 2.6225% | 5,646 |
| Loan and lease loss provision to assets | 0.2058% | 4,994 |
| Net operating income to assets | 1.7975% | 470 |
| Return on assets (ROA) | 1.5957% | 753 |
| Pretax return on assets | 2.1091% | 424 |
| Return on Equity (ROE) | 29.5511% | 75 |
| Retained earnings to average equity (ytd only) | 13.5206% | 281 |
| Net charge-offs to loans | 0.1007% | 5,153 |
| Credit loss provision to net charge-offs | 885.1064% | 543 |
| Earnings coverage of net charge-offs (x) | 111.0000% | 346 |
| Efficiency ratio | 50.4040% | 7,642 |
| Assets per employee ($millions) | 6.0224% | 1,205 |
| Cash dividends to net income (ytd only)* | 54.2467% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 3,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 21.7638% | 8,019 |
| Net loans and leases to deposits | 23.3139% | 8,053 |
| Net loans and leases to core deposits | 27.1053% | 8,049 |
| Total domestic deposits to total assets | 93.3513% | 81 |
| Equity capital to assets | 5.9241% | 7,942 |
| Core capital (leverage) ratio | 6.1452% | 7,891 |
| Tier 1 risk-based capital ratio | 13.2990% | 3,936 |
| Total risk-based capital ratio | 14.0065% | 4,233 |
| Memoranda: | ||
| Average total assets | $404,348,000 | 1,736 |
| Average earning assets | $380,095,000 | 1,701 |
| Average equity | $21,833,330 | 2,993 |
| Average total loans | $93,332,000 | 4,192 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6712% | 3,938 |
| Cost of funding earning assets | 1.4952% | 6,416 |
| Net interest margin | 4.1760% | 1,988 |
| Noninterest income to average assets | 1.2228% | 959 |
| Noninterest expense to average assets | 2.5349% | 5,714 |
| Loan and lease loss provision to assets | 0.2157% | 4,291 |
| Net operating income to assets | 1.7725% | 560 |
| Return on assets (ROA) | 1.7725% | 616 |
| Pretax return on assets | 2.3975% | 304 |
| Return on Equity (ROE) | 34.5767% | 61 |
| Retained earnings to average equity (ytd only) | 16.9655% | 271 |
| Net charge-offs to loans | 0.1062% | 4,118 |
| Credit loss provision to net charge-offs | 860.0000% | 706 |
| Earnings coverage of net charge-offs (x) | 104.2000% | 419 |
| Efficiency ratio | 49.2401% | 7,652 |
| Assets per employee ($millions) | 6.2356% | 1,071 |
| Cash dividends to net income (ytd only)* | 50.9338% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 4,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 23.5769% | 8,042 |
| Net loans and leases to deposits | 25.0246% | 8,089 |
| Net loans and leases to core deposits | 28.9207% | 8,093 |
| Total domestic deposits to total assets | 94.2151% | 33 |
| Equity capital to assets | 5.4010% | 8,081 |
| Core capital (leverage) ratio | 6.1919% | 7,971 |
| Tier 1 risk-based capital ratio | 12.7951% | 4,330 |
| Total risk-based capital ratio | 13.4001% | 4,718 |
| Memoranda: | ||
| Average total assets | $398,750,500 | 1,768 |
| Average earning assets | $374,805,000 | 1,731 |
| Average equity | $20,441,500 | 3,199 |
| Average total loans | $94,118,000 | 4,205 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8410% | 6,294 |
| Cost of funding earning assets | 1.9507% | 6,564 |
| Net interest margin | 3.8902% | 3,611 |
| Noninterest income to average assets | 1.4006% | 734 |
| Noninterest expense to average assets | 2.4542% | 6,189 |
| Loan and lease loss provision to assets | 0.1051% | 6,031 |
| Net operating income to assets | 1.8355% | 513 |
| Return on assets (ROA) | 1.7673% | 563 |
| Pretax return on assets | 2.4135% | 241 |
| Return on Equity (ROE) | 32.2458% | 42 |
| Retained earnings to average equity (ytd only) | 16.3517% | 62 |
| Net charge-offs to loans | 0.1775% | 4,428 |
| Credit loss provision to net charge-offs | 267.1141% | 1,729 |
| Earnings coverage of net charge-offs (x) | 66.4094% | 607 |
| Efficiency ratio | 48.4421% | 7,771 |
| Assets per employee ($millions) | 6.2252% | 1,018 |
| Cash dividends to net income (ytd only)* | 49.2905% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 5,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 23.0950% | 8,119 |
| Net loans and leases to deposits | 25.2435% | 8,163 |
| Net loans and leases to core deposits | 28.5508% | 8,161 |
| Total domestic deposits to total assets | 91.4887% | 209 |
| Equity capital to assets | 4.8426% | 8,206 |
| Core capital (leverage) ratio | 6.0790% | 8,053 |
| Tier 1 risk-based capital ratio | 14.0390% | 3,531 |
| Total risk-based capital ratio | 14.6142% | 3,800 |
| Memoranda: | ||
| Average total assets | $378,827,000 | 1,785 |
| Average earning assets | $356,945,200 | 1,737 |
| Average equity | $20,762,400 | 3,126 |
| Average total loans | $83,957,800 | 4,398 |