Home > FirstBank of Arapahoe County > Performance and Condition Ratios
FirstBank of Arapahoe 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 | 4.6712% | 6,122 |
| Cost of funding earning assets | 0.6271% | 7,233 |
| Net interest margin | 4.0441% | 2,889 |
| Noninterest income to average assets | 0.7326% | 2,623 |
| Noninterest expense to average assets | 2.0745% | 6,901 |
| Loan and lease loss provision to assets | 0.3560% | 3,767 |
| Net operating income to assets | 1.5748% | 778 |
| Return on assets (ROA) | 1.5490% | 907 |
| Pretax return on assets | 2.0904% | 519 |
| Return on Equity (ROE) | 21.5088% | 220 |
| Retained earnings to average equity (ytd only) | 11.8083% | 481 |
| Net charge-offs to loans | 0.2789% | 4,275 |
| Credit loss provision to net charge-offs | 477.0213% | 623 |
| Earnings coverage of net charge-offs (x) | 33.2506% | 809 |
| Efficiency ratio | 45.5357% | 7,403 |
| Assets per employee ($millions) | 8.4975% | 416 |
| Cash dividends to net income (ytd only)* | 45.1004% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0428% | 2,118 |
| Loan loss allowance to noncurrent loans | 120.9618% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.6976% | 5,722 |
| Noncurrent loans to loans | 1.6888% | 4,106 |
| Net loans and leases to total assets | 26.1166% | 7,539 |
| Net loans and leases to deposits | 28.6282% | 7,587 |
| Net loans and leases to core deposits | 29.3293% | 7,589 |
| Total domestic deposits to total assets | 91.2269% | 374 |
| Equity capital to assets | 7.7679% | 6,959 |
| Core capital (leverage) ratio | 7.1057% | 7,109 |
| Tier 1 risk-based capital ratio | 17.7680% | 2,089 |
| Total risk-based capital ratio | 19.0203% | 2,054 |
| Memoranda: | ||
| Average total assets | $419,876,500 | 1,605 |
| Average earning assets | $396,945,000 | 1,549 |
| Average equity | $30,238,000 | 2,180 |
| Average total loans | $112,340,500 | 3,545 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6145% | 6,418 |
| Cost of funding earning assets | 0.6534% | 7,287 |
| Net interest margin | 3.9611% | 3,204 |
| Noninterest income to average assets | 0.8551% | 1,861 |
| Noninterest expense to average assets | 2.0373% | 7,038 |
| Loan and lease loss provision to assets | 0.3424% | 3,682 |
| Net operating income to assets | 1.6353% | 674 |
| Return on assets (ROA) | 1.5963% | 788 |
| Pretax return on assets | 2.1712% | 429 |
| Return on Equity (ROE) | 22.7725% | 183 |
| Retained earnings to average equity (ytd only) | 7.7637% | 1,527 |
| Net charge-offs to loans | 0.2624% | 4,028 |
| Credit loss provision to net charge-offs | 487.0748% | 764 |
| Earnings coverage of net charge-offs (x) | 36.5034% | 787 |
| Efficiency ratio | 44.2551% | 7,515 |
| Assets per employee ($millions) | 8.3119% | 444 |
| Cash dividends to net income (ytd only)* | 65.9077% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 3,015 |
| Loan loss allowance to noncurrent loans | 54.5033% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.0354% | 5,066 |
| Noncurrent loans to loans | 3.1489% | 2,544 |
| Net loans and leases to total assets | 27.5178% | 7,589 |
| Net loans and leases to deposits | 29.9928% | 7,637 |
| Net loans and leases to core deposits | 30.7562% | 7,649 |
| Total domestic deposits to total assets | 91.7479% | 272 |
| Equity capital to assets | 7.3329% | 7,210 |
| Core capital (leverage) ratio | 6.7244% | 7,314 |
| Tier 1 risk-based capital ratio | 16.5543% | 2,453 |
| Total risk-based capital ratio | 17.7648% | 2,415 |
| Memoranda: | ||
| Average total assets | $418,210,000 | 1,629 |
| Average earning assets | $395,752,000 | 1,567 |
| Average equity | $29,316,000 | 2,237 |
| Average total loans | $112,028,330 | 3,578 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5693% | 6,638 |
| Cost of funding earning assets | 0.6677% | 7,402 |
| Net interest margin | 3.9016% | 3,317 |
| Noninterest income to average assets | 0.8286% | 1,889 |
| Noninterest expense to average assets | 1.9756% | 7,203 |
| Loan and lease loss provision to assets | 0.0381% | 6,294 |
| Net operating income to assets | 1.8030% | 492 |
| Return on assets (ROA) | 1.8030% | 542 |
| Pretax return on assets | 2.5086% | 248 |
| Return on Equity (ROE) | 26.3219% | 130 |
| Retained earnings to average equity (ytd only) | 12.4023% | 696 |
| Net charge-offs to loans | 0.0801% | 4,620 |
| Credit loss provision to net charge-offs | 181.8182% | 2,010 |
| Earnings coverage of net charge-offs (x) | 121.4091% | 272 |
| Efficiency ratio | 43.6854% | 7,632 |
| Assets per employee ($millions) | 8.5700% | 409 |
| Cash dividends to net income (ytd only)* | 52.8821% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 4,837 |
| Loan loss allowance to noncurrent loans | 92.6876% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 6,158 |
| Noncurrent loans to loans | 1.4208% | 4,605 |
| Net loans and leases to total assets | 25.2708% | 7,716 |
| Net loans and leases to deposits | 28.0160% | 7,754 |
| Net loans and leases to core deposits | 28.7642% | 7,759 |
| Total domestic deposits to total assets | 90.2014% | 888 |
| Equity capital to assets | 6.8964% | 7,412 |
| Core capital (leverage) ratio | 6.7884% | 7,357 |
| Tier 1 risk-based capital ratio | 16.6445% | 2,391 |
| Total risk-based capital ratio | 17.5377% | 2,494 |
| Memoranda: | ||
| Average total assets | $419,518,500 | 1,657 |
| Average earning assets | $397,174,500 | 1,604 |
| Average equity | $28,736,500 | 2,310 |
| Average total loans | $109,863,000 | 3,685 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0836% | 6,152 |
| Cost of funding earning assets | 1.0818% | 7,028 |
| Net interest margin | 4.0018% | 2,856 |
| Noninterest income to average assets | 0.9338% | 1,815 |
| Noninterest expense to average assets | 2.1670% | 7,056 |
| Loan and lease loss provision to assets | 0.2286% | 5,540 |
| Net operating income to assets | 1.7951% | 363 |
| Return on assets (ROA) | 1.7970% | 382 |
| Pretax return on assets | 2.3403% | 206 |
| Return on Equity (ROE) | 27.1580% | 71 |
| Retained earnings to average equity (ytd only) | 12.1065% | 200 |
| Net charge-offs to loans | 0.4473% | 3,995 |
| Credit loss provision to net charge-offs | 193.7634% | 2,051 |
| Earnings coverage of net charge-offs (x) | 21.7505% | 985 |
| Efficiency ratio | 45.7811% | 7,723 |
| Assets per employee ($millions) | 8.2108% | 466 |
| Cash dividends to net income (ytd only)* | 55.4222% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2982% | 4,779 |
| Loan loss allowance to noncurrent loans | 88.0395% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.5295% | 6,129 |
| Noncurrent loans to loans | 1.4746% | 4,454 |
| Net loans and leases to total assets | 26.4452% | 7,781 |
| Net loans and leases to deposits | 28.5218% | 7,829 |
| Net loans and leases to core deposits | 31.4786% | 7,855 |
| Total domestic deposits to total assets | 92.7193% | 159 |
| Equity capital to assets | 6.8013% | 7,464 |
| Core capital (leverage) ratio | 6.7328% | 7,397 |
| Tier 1 risk-based capital ratio | 16.4923% | 2,323 |
| Total risk-based capital ratio | 17.3964% | 2,391 |
| Memoranda: | ||
| Average total assets | $394,092,200 | 1,743 |
| Average earning assets | $374,181,400 | 1,681 |
| Average equity | $26,077,000 | 2,522 |
| Average total loans | $103,962,800 | 3,841 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1872% | 5,928 |
| Cost of funding earning assets | 1.1549% | 7,028 |
| Net interest margin | 4.0324% | 2,672 |
| Noninterest income to average assets | 0.9511% | 1,776 |
| Noninterest expense to average assets | 2.1129% | 7,169 |
| Loan and lease loss provision to assets | 0.1668% | 5,689 |
| Net operating income to assets | 1.8638% | 389 |
| Return on assets (ROA) | 1.8664% | 408 |
| Pretax return on assets | 2.5091% | 187 |
| Return on Equity (ROE) | 28.4141% | 73 |
| Retained earnings to average equity (ytd only) | 13.1895% | 245 |
| Net charge-offs to loans | 0.2590% | 4,429 |
| Credit loss provision to net charge-offs | 245.2261% | 1,771 |
| Earnings coverage of net charge-offs (x) | 39.2809% | 759 |
| Efficiency ratio | 44.1523% | 7,834 |
| Assets per employee ($millions) | 8.0656% | 501 |
| Cash dividends to net income (ytd only)* | 53.5812% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 5,301 |
| Loan loss allowance to noncurrent loans | 646.4646% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 7,053 |
| Noncurrent loans to loans | 0.1809% | 7,042 |
| Net loans and leases to total assets | 27.3654% | 7,856 |
| Net loans and leases to deposits | 29.6928% | 7,912 |
| Net loans and leases to core deposits | 33.5405% | 7,925 |
| Total domestic deposits to total assets | 92.1620% | 153 |
| Equity capital to assets | 7.0567% | 7,568 |
| Core capital (leverage) ratio | 6.6724% | 7,601 |
| Tier 1 risk-based capital ratio | 16.4161% | 2,466 |
| Total risk-based capital ratio | 17.2436% | 2,563 |
| Memoranda: | ||
| Average total assets | $389,980,500 | 1,775 |
| Average earning assets | $370,824,500 | 1,709 |
| Average equity | $25,615,750 | 2,578 |
| Average total loans | $102,454,500 | 3,927 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2752% | 5,770 |
| Cost of funding earning assets | 1.2320% | 7,013 |
| Net interest margin | 4.0432% | 2,531 |
| Noninterest income to average assets | 0.9628% | 1,720 |
| Noninterest expense to average assets | 2.1080% | 7,260 |
| Loan and lease loss provision to assets | 0.1365% | 5,710 |
| Net operating income to assets | 1.9164% | 360 |
| Return on assets (ROA) | 1.9164% | 391 |
| Pretax return on assets | 2.5644% | 185 |
| Return on Equity (ROE) | 29.9300% | 73 |
| Retained earnings to average equity (ytd only) | 14.4420% | 232 |
| Net charge-offs to loans | 0.3156% | 3,611 |
| Credit loss provision to net charge-offs | 167.7215% | 2,742 |
| Earnings coverage of net charge-offs (x) | 33.1835% | 930 |
| Efficiency ratio | 43.8350% | 7,930 |
| Assets per employee ($millions) | 7.7009% | 561 |
| Cash dividends to net income (ytd only)* | 51.7473% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 5,916 |
| Loan loss allowance to noncurrent loans | 465.6780% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 7,005 |
| Noncurrent loans to loans | 0.2253% | 6,944 |
| Net loans and leases to total assets | 26.3930% | 7,959 |
| Net loans and leases to deposits | 28.6601% | 8,011 |
| Net loans and leases to core deposits | 32.3937% | 8,017 |
| Total domestic deposits to total assets | 92.0895% | 196 |
| Equity capital to assets | 6.6959% | 7,754 |
| Core capital (leverage) ratio | 6.5796% | 7,756 |
| Tier 1 risk-based capital ratio | 16.1368% | 2,577 |
| Total risk-based capital ratio | 16.8649% | 2,695 |
| Memoranda: | ||
| Average total assets | $388,236,000 | 1,804 |
| Average earning assets | $369,314,670 | 1,740 |
| Average equity | $24,858,000 | 2,651 |
| Average total loans | $100,128,670 | 4,012 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3165% | 5,820 |
| Cost of funding earning assets | 1.3618% | 6,838 |
| Net interest margin | 3.9548% | 2,835 |
| Noninterest income to average assets | 0.8653% | 2,011 |
| Noninterest expense to average assets | 1.9390% | 7,468 |
| Loan and lease loss provision to assets | 0.0725% | 6,053 |
| Net operating income to assets | 2.0001% | 352 |
| Return on assets (ROA) | 2.0001% | 400 |
| Pretax return on assets | 2.6219% | 204 |
| Return on Equity (ROE) | 31.9828% | 81 |
| Retained earnings to average equity (ytd only) | 15.4114% | 376 |
| Net charge-offs to loans | 0.0900% | 4,270 |
| Credit loss provision to net charge-offs | 318.1818% | 1,546 |
| Earnings coverage of net charge-offs (x) | 118.1818% | 366 |
| Efficiency ratio | 41.8475% | 8,002 |
| Assets per employee ($millions) | 8.9777% | 359 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 5,797 |
| Loan loss allowance to noncurrent loans | 2,478.5714% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 7,609 |
| Noncurrent loans to loans | 0.0425% | 7,419 |
| Net loans and leases to total assets | 25.3446% | 8,017 |
| Net loans and leases to deposits | 27.2948% | 8,071 |
| Net loans and leases to core deposits | 30.2612% | 8,082 |
| Total domestic deposits to total assets | 92.8549% | 96 |
| Equity capital to assets | 6.4156% | 7,901 |
| Core capital (leverage) ratio | 6.4472% | 7,903 |
| Tier 1 risk-based capital ratio | 16.6250% | 2,474 |
| Total risk-based capital ratio | 17.3602% | 2,592 |
| Memoranda: | ||
| Average total assets | $385,981,500 | 1,819 |
| Average earning assets | $367,758,500 | 1,755 |
| Average equity | $24,138,000 | 2,749 |
| Average total loans | $97,815,000 | 4,091 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6895% | 6,808 |
| Cost of funding earning assets | 1.8796% | 6,790 |
| Net interest margin | 3.8099% | 3,979 |
| Noninterest income to average assets | 1.1492% | 1,167 |
| Noninterest expense to average assets | 1.9148% | 7,591 |
| Loan and lease loss provision to assets | 0.0793% | 6,404 |
| Net operating income to assets | 2.0697% | 309 |
| Return on assets (ROA) | 1.7266% | 614 |
| Pretax return on assets | 2.3246% | 291 |
| Return on Equity (ROE) | 27.4896% | 90 |
| Retained earnings to average equity (ytd only) | 12.9728% | 166 |
| Net charge-offs to loans | 0.0658% | 5,833 |
| Credit loss provision to net charge-offs | 486.4407% | 900 |
| Earnings coverage of net charge-offs (x) | 175.8983% | 263 |
| Efficiency ratio | 40.0393% | 8,133 |
| Assets per employee ($millions) | 8.9749% | 349 |
| Cash dividends to net income (ytd only)* | 52.8084% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 5,817 |
| Loan loss allowance to noncurrent loans | 1,907.6923% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 7,559 |
| Noncurrent loans to loans | 0.0537% | 7,294 |
| Net loans and leases to total assets | 24.8124% | 8,094 |
| Net loans and leases to deposits | 29.3849% | 8,120 |
| Net loans and leases to core deposits | 32.0784% | 8,139 |
| Total domestic deposits to total assets | 84.4393% | 3,109 |
| Equity capital to assets | 6.0917% | 8,047 |
| Core capital (leverage) ratio | 6.2643% | 8,002 |
| Tier 1 risk-based capital ratio | 16.1455% | 2,609 |
| Total risk-based capital ratio | 16.8472% | 2,738 |
| Memoranda: | ||
| Average total assets | $361,918,800 | 1,852 |
| Average earning assets | $345,124,000 | 1,795 |
| Average equity | $22,732,200 | 2,879 |
| Average total loans | $89,652,400 | 4,238 |