Home > FirstBank of Adams County > Performance and Condition Ratios
FirstBank of Adams County, 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 | 4.5597% | 6,447 |
| Cost of funding earning assets | 0.9846% | 6,012 |
| Net interest margin | 3.5751% | 4,989 |
| Noninterest income to average assets | 1.8484% | 428 |
| Noninterest expense to average assets | 3.2245% | 2,836 |
| Loan and lease loss provision to assets | 0.5603% | 2,705 |
| Net operating income to assets | 1.1206% | 1,824 |
| Return on assets (ROA) | 1.1206% | 1,935 |
| Pretax return on assets | 1.3472% | 2,040 |
| Return on Equity (ROE) | 14.9507% | 866 |
| Retained earnings to average equity (ytd only) | 14.9507% | 215 |
| Net charge-offs to loans | 1.3545% | 1,500 |
| Credit loss provision to net charge-offs | 169.0909% | 2,202 |
| Earnings coverage of net charge-offs (x) | 5.7563% | 2,684 |
| Efficiency ratio | 62.8317% | 5,462 |
| Assets per employee ($millions) | 4.6647% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3144% | 1,608 |
| Loan loss allowance to noncurrent loans | 80.4707% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.8164% | 5,461 |
| Noncurrent loans to loans | 2.8761% | 2,777 |
| Net loans and leases to total assets | 23.8462% | 7,568 |
| Net loans and leases to deposits | 26.3157% | 7,614 |
| Net loans and leases to core deposits | 30.9774% | 7,567 |
| Total domestic deposits to total assets | 90.6157% | 589 |
| Equity capital to assets | 8.0436% | 6,762 |
| Core capital (leverage) ratio | 6.9229% | 7,202 |
| Tier 1 risk-based capital ratio | 15.7465% | 2,884 |
| Total risk-based capital ratio | 16.9978% | 2,841 |
| Memoranda: | ||
| Average total assets | $221,298,750 | 2,893 |
| Average earning assets | $203,254,500 | 2,881 |
| Average equity | $16,587,500 | 3,707 |
| Average total loans | $54,140,750 | 5,381 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4815% | 6,750 |
| Cost of funding earning assets | 1.0098% | 6,093 |
| Net interest margin | 3.4717% | 5,361 |
| Noninterest income to average assets | 1.8464% | 398 |
| Noninterest expense to average assets | 3.2047% | 2,882 |
| Loan and lease loss provision to assets | 0.3675% | 3,503 |
| Net operating income to assets | 1.1904% | 1,582 |
| Return on assets (ROA) | 1.1904% | 1,651 |
| Pretax return on assets | 1.4653% | 1,654 |
| Return on Equity (ROE) | 16.2847% | 668 |
| Retained earnings to average equity (ytd only) | 16.2847% | 184 |
| Net charge-offs to loans | 0.3965% | 3,387 |
| Credit loss provision to net charge-offs | 378.5047% | 955 |
| Earnings coverage of net charge-offs (x) | 18.8785% | 1,272 |
| Efficiency ratio | 63.6167% | 5,406 |
| Assets per employee ($millions) | 4.4500% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1759% | 1,810 |
| Loan loss allowance to noncurrent loans | 55.1869% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 0.9618% | 5,209 |
| Noncurrent loans to loans | 3.9427% | 1,935 |
| Net loans and leases to total assets | 23.8635% | 7,644 |
| Net loans and leases to deposits | 26.2566% | 7,685 |
| Net loans and leases to core deposits | 29.7630% | 7,661 |
| Total domestic deposits to total assets | 90.8858% | 533 |
| Equity capital to assets | 7.8122% | 6,914 |
| Core capital (leverage) ratio | 6.6589% | 7,329 |
| Tier 1 risk-based capital ratio | 15.1214% | 3,097 |
| Total risk-based capital ratio | 16.3492% | 3,068 |
| Memoranda: | ||
| Average total assets | $220,429,670 | 2,932 |
| Average earning assets | $202,612,330 | 2,905 |
| Average equity | $16,113,330 | 3,778 |
| Average total loans | $53,968,330 | 5,424 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4540% | 6,886 |
| Cost of funding earning assets | 1.0370% | 6,187 |
| Net interest margin | 3.4170% | 5,514 |
| Noninterest income to average assets | 1.8031% | 397 |
| Noninterest expense to average assets | 3.1560% | 3,026 |
| Loan and lease loss provision to assets | 0.4047% | 2,941 |
| Net operating income to assets | 1.1340% | 1,733 |
| Return on assets (ROA) | 1.1340% | 1,805 |
| Pretax return on assets | 1.3783% | 1,839 |
| Return on Equity (ROE) | 16.0734% | 707 |
| Retained earnings to average equity (ytd only) | 16.0734% | 336 |
| Net charge-offs to loans | 0.1710% | 3,896 |
| Credit loss provision to net charge-offs | 965.2174% | 481 |
| Earnings coverage of net charge-offs (x) | 42.5217% | 652 |
| Efficiency ratio | 63.8981% | 5,511 |
| Assets per employee ($millions) | 5.0412% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0509% | 2,056 |
| Loan loss allowance to noncurrent loans | 285.0000% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 7,049 |
| Noncurrent loans to loans | 0.7196% | 5,885 |
| Net loans and leases to total assets | 23.3183% | 7,736 |
| Net loans and leases to deposits | 25.4267% | 7,785 |
| Net loans and leases to core deposits | 28.7734% | 7,758 |
| Total domestic deposits to total assets | 91.7079% | 321 |
| Equity capital to assets | 7.1898% | 7,289 |
| Core capital (leverage) ratio | 6.5479% | 7,448 |
| Tier 1 risk-based capital ratio | 14.3770% | 3,451 |
| Total risk-based capital ratio | 15.5014% | 3,481 |
| Memoranda: | ||
| Average total assets | $219,395,000 | 2,996 |
| Average earning assets | $201,347,000 | 2,976 |
| Average equity | $15,479,000 | 3,928 |
| Average total loans | $53,814,000 | 5,500 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0016% | 6,427 |
| Cost of funding earning assets | 1.4114% | 5,885 |
| Net interest margin | 3.5903% | 4,585 |
| Noninterest income to average assets | 1.9900% | 378 |
| Noninterest expense to average assets | 3.2739% | 3,112 |
| Loan and lease loss provision to assets | 0.1866% | 5,851 |
| Net operating income to assets | 1.4865% | 695 |
| Return on assets (ROA) | 1.4865% | 750 |
| Pretax return on assets | 1.8601% | 558 |
| Return on Equity (ROE) | 23.5014% | 119 |
| Retained earnings to average equity (ytd only) | 17.7110% | 57 |
| Net charge-offs to loans | 0.7679% | 2,905 |
| Credit loss provision to net charge-offs | 92.2705% | 5,929 |
| Earnings coverage of net charge-offs (x) | 10.1232% | 1,720 |
| Efficiency ratio | 61.5328% | 6,234 |
| Assets per employee ($millions) | 4.4281% | 3,051 |
| Cash dividends to net income (ytd only)* | 24.6386% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6125% | 3,229 |
| Loan loss allowance to noncurrent loans | 233.2454% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 7,043 |
| Noncurrent loans to loans | 0.6913% | 5,855 |
| Net loans and leases to total assets | 24.8589% | 7,793 |
| Net loans and leases to deposits | 27.0239% | 7,853 |
| Net loans and leases to core deposits | 33.5792% | 7,839 |
| Total domestic deposits to total assets | 91.9886% | 271 |
| Equity capital to assets | 6.9178% | 7,408 |
| Core capital (leverage) ratio | 6.3708% | 7,534 |
| Tier 1 risk-based capital ratio | 13.6033% | 3,758 |
| Total risk-based capital ratio | 14.5141% | 3,918 |
| Memoranda: | ||
| Average total assets | $204,770,600 | 3,123 |
| Average earning assets | $189,958,400 | 3,094 |
| Average equity | $12,952,400 | 4,522 |
| Average total loans | $53,911,200 | 5,510 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0827% | 6,331 |
| Cost of funding earning assets | 1.4755% | 5,934 |
| Net interest margin | 3.6071% | 4,457 |
| Noninterest income to average assets | 1.9955% | 372 |
| Noninterest expense to average assets | 3.2288% | 3,196 |
| Loan and lease loss provision to assets | 0.1771% | 5,590 |
| Net operating income to assets | 1.5486% | 733 |
| Return on assets (ROA) | 1.5486% | 789 |
| Pretax return on assets | 1.9472% | 596 |
| Return on Equity (ROE) | 25.1159% | 105 |
| Retained earnings to average equity (ytd only) | 25.1159% | 27 |
| Net charge-offs to loans | 1.0307% | 1,913 |
| Credit loss provision to net charge-offs | 64.5783% | 6,089 |
| Earnings coverage of net charge-offs (x) | 7.7446% | 2,354 |
| Efficiency ratio | 60.3161% | 6,367 |
| Assets per employee ($millions) | 4.5977% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 3,810 |
| Loan loss allowance to noncurrent loans | 225.8824% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 7,138 |
| Noncurrent loans to loans | 0.6305% | 6,037 |
| Net loans and leases to total assets | 25.1330% | 7,883 |
| Net loans and leases to deposits | 27.2681% | 7,933 |
| Net loans and leases to core deposits | 34.4043% | 7,914 |
| Total domestic deposits to total assets | 92.1700% | 151 |
| Equity capital to assets | 7.0829% | 7,557 |
| Core capital (leverage) ratio | 6.3899% | 7,706 |
| Tier 1 risk-based capital ratio | 14.0441% | 3,526 |
| Total risk-based capital ratio | 14.8647% | 3,710 |
| Memoranda: | ||
| Average total assets | $201,719,000 | 3,183 |
| Average earning assets | $187,770,500 | 3,141 |
| Average equity | $12,438,000 | 4,673 |
| Average total loans | $53,683,500 | 5,566 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1139% | 6,376 |
| Cost of funding earning assets | 1.5384% | 5,982 |
| Net interest margin | 3.5755% | 4,465 |
| Noninterest income to average assets | 1.9792% | 380 |
| Noninterest expense to average assets | 3.2621% | 3,112 |
| Loan and lease loss provision to assets | 0.1542% | 5,529 |
| Net operating income to assets | 1.5247% | 797 |
| Return on assets (ROA) | 1.5247% | 852 |
| Pretax return on assets | 1.8936% | 705 |
| Return on Equity (ROE) | 26.1072% | 119 |
| Retained earnings to average equity (ytd only) | 26.1072% | 41 |
| Net charge-offs to loans | 0.2015% | 4,277 |
| Credit loss provision to net charge-offs | 283.3333% | 1,655 |
| Earnings coverage of net charge-offs (x) | 37.6296% | 848 |
| Efficiency ratio | 61.4348% | 6,321 |
| Assets per employee ($millions) | 4.9167% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8300% | 1,965 |
| Loan loss allowance to noncurrent loans | 153.4039% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 6,680 |
| Noncurrent loans to loans | 1.1929% | 4,833 |
| Net loans and leases to total assets | 25.7289% | 7,966 |
| Net loans and leases to deposits | 27.7275% | 8,015 |
| Net loans and leases to core deposits | 34.9659% | 7,993 |
| Total domestic deposits to total assets | 92.7919% | 113 |
| Equity capital to assets | 6.3600% | 7,849 |
| Core capital (leverage) ratio | 6.0910% | 7,901 |
| Tier 1 risk-based capital ratio | 13.6804% | 3,703 |
| Total risk-based capital ratio | 14.7946% | 3,722 |
| Memoranda: | ||
| Average total assets | $198,460,330 | 3,245 |
| Average earning assets | $184,867,330 | 3,203 |
| Average equity | $11,590,670 | 4,924 |
| Average total loans | $53,603,670 | 5,611 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2582% | 6,074 |
| Cost of funding earning assets | 1.6391% | 5,863 |
| Net interest margin | 3.6191% | 4,244 |
| Noninterest income to average assets | 1.9564% | 380 |
| Noninterest expense to average assets | 3.2086% | 2,952 |
| Loan and lease loss provision to assets | 0.1708% | 4,756 |
| Net operating income to assets | 1.5689% | 829 |
| Return on assets (ROA) | 1.5689% | 907 |
| Pretax return on assets | 1.9398% | 743 |
| Return on Equity (ROE) | 28.2472% | 124 |
| Retained earnings to average equity (ytd only) | 28.2472% | 61 |
| Net charge-offs to loans | 0.1822% | 3,545 |
| Credit loss provision to net charge-offs | 341.6667% | 1,468 |
| Earnings coverage of net charge-offs (x) | 42.2083% | 812 |
| Efficiency ratio | 60.3212% | 6,347 |
| Assets per employee ($millions) | 4.9275% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8097% | 1,829 |
| Loan loss allowance to noncurrent loans | 147.3525% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 6,556 |
| Noncurrent loans to loans | 1.2281% | 4,514 |
| Net loans and leases to total assets | 25.5356% | 8,013 |
| Net loans and leases to deposits | 27.1311% | 8,074 |
| Net loans and leases to core deposits | 33.6648% | 8,052 |
| Total domestic deposits to total assets | 94.1195% | 38 |
| Equity capital to assets | 5.4737% | 8,071 |
| Core capital (leverage) ratio | 5.9607% | 8,014 |
| Tier 1 risk-based capital ratio | 12.9468% | 4,215 |
| Total risk-based capital ratio | 14.0885% | 4,219 |
| Memoranda: | ||
| Average total assets | $191,982,500 | 3,334 |
| Average earning assets | $178,387,500 | 3,300 |
| Average equity | $10,663,000 | 5,197 |
| Average total loans | $52,701,000 | 5,680 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7802% | 6,501 |
| Cost of funding earning assets | 1.9787% | 6,477 |
| Net interest margin | 3.8015% | 4,011 |
| Noninterest income to average assets | 2.4937% | 253 |
| Noninterest expense to average assets | 3.6047% | 2,130 |
| Loan and lease loss provision to assets | 0.4155% | 3,206 |
| Net operating income to assets | 1.5937% | 845 |
| Return on assets (ROA) | 1.6033% | 796 |
| Pretax return on assets | 1.9763% | 647 |
| Return on Equity (ROE) | 26.2319% | 111 |
| Retained earnings to average equity (ytd only) | 16.0090% | 68 |
| Net charge-offs to loans | 0.2690% | 3,608 |
| Credit loss provision to net charge-offs | 588.4956% | 739 |
| Earnings coverage of net charge-offs (x) | 33.7080% | 1,077 |
| Efficiency ratio | 60.2318% | 6,292 |
| Assets per employee ($millions) | 4.3173% | 2,925 |
| Cash dividends to net income (ytd only)* | 38.9712% | 3,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7739% | 1,694 |
| Loan loss allowance to noncurrent loans | 138.4266% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.3734% | 6,120 |
| Noncurrent loans to loans | 1.2815% | 3,948 |
| Net loans and leases to total assets | 28.6231% | 8,021 |
| Net loans and leases to deposits | 31.4520% | 8,100 |
| Net loans and leases to core deposits | 34.9450% | 8,116 |
| Total domestic deposits to total assets | 91.0056% | 325 |
| Equity capital to assets | 5.6482% | 8,115 |
| Core capital (leverage) ratio | 6.1295% | 8,040 |
| Tier 1 risk-based capital ratio | 13.2039% | 3,989 |
| Total risk-based capital ratio | 14.3826% | 3,953 |
| Memoranda: | ||
| Average total assets | $160,042,600 | 3,717 |
| Average earning assets | $146,966,800 | 3,708 |
| Average equity | $9,782,000 | 5,484 |
| Average total loans | $42,014,600 | 6,075 |