Home > FirstBank of Arizona, Inc. > Performance and Condition Ratios
FirstBank of Arizona, Inc., Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6434% | 985 |
| Cost of funding earning assets | 0.7981% | 5,584 |
| Net interest margin | 4.8453% | 517 |
| Noninterest income to average assets | 0.5312% | 3,645 |
| Noninterest expense to average assets | 5.2358% | 301 |
| Loan and lease loss provision to assets | 0.3447% | 2,496 |
| Net operating income to assets | -1.0681% | 7,060 |
| Return on assets (ROA) | -1.0681% | 7,067 |
| Pretax return on assets | -1.4467% | 7,141 |
| Return on Equity (ROE) | -4.7757% | 6,798 |
| Retained earnings to average equity (ytd only) | -4.7757% | 6,502 |
| Net charge-offs to loans | 0.0253% | 4,733 |
| Credit loss provision to net charge-offs | 2,033.3333% | 194 |
| Earnings coverage of net charge-offs (x) | -65.0000% | 5,093 |
| Efficiency ratio | 126.6576% | 287 |
| Assets per employee ($millions) | 3.2424% | 5,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3039% | 1,754 |
| Loan loss allowance to noncurrent loans | 145.2746% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 1.3456% | 4,283 |
| Noncurrent loans to loans | 1.5859% | 4,105 |
| Net loans and leases to total assets | 64.6790% | 3,312 |
| Net loans and leases to deposits | 82.3481% | 2,301 |
| Net loans and leases to core deposits | 90.7210% | 2,273 |
| Total domestic deposits to total assets | 78.5434% | 6,287 |
| Equity capital to assets | 21.1060% | 203 |
| Core capital (leverage) ratio | 22.7419% | 144 |
| Tier 1 risk-based capital ratio | 26.0491% | 782 |
| Total risk-based capital ratio | 27.3066% | 765 |
| Memoranda: | ||
| Average total assets | $141,563,000 | 4,034 |
| Average earning assets | $105,256,000 | 4,609 |
| Average equity | $31,660,500 | 2,071 |
| Average total loans | $94,690,000 | 3,862 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8801% | 1,081 |
| Cost of funding earning assets | 1.2113% | 4,486 |
| Net interest margin | 4.6688% | 871 |
| Noninterest income to average assets | -0.3267% | 7,516 |
| Noninterest expense to average assets | 5.6010% | 283 |
| Loan and lease loss provision to assets | 0.9616% | 1,686 |
| Net operating income to assets | -2.5300% | 7,186 |
| Return on assets (ROA) | -2.5022% | 7,194 |
| Pretax return on assets | -3.5398% | 7,376 |
| Return on Equity (ROE) | -9.7095% | 6,716 |
| Retained earnings to average equity (ytd only) | -9.7095% | 6,649 |
| Net charge-offs to loans | 0.7791% | 2,690 |
| Credit loss provision to net charge-offs | 192.9231% | 1,651 |
| Earnings coverage of net charge-offs (x) | -5.2508% | 6,774 |
| Efficiency ratio | 187.7152% | 104 |
| Assets per employee ($millions) | 2.9772% | 6,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3821% | 1,572 |
| Loan loss allowance to noncurrent loans | 271.9144% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.9218% | 5,175 |
| Noncurrent loans to loans | 0.8760% | 5,314 |
| Net loans and leases to total assets | 66.0397% | 3,461 |
| Net loans and leases to deposits | 87.5523% | 1,852 |
| Net loans and leases to core deposits | 94.6703% | 2,177 |
| Total domestic deposits to total assets | 75.4288% | 6,705 |
| Equity capital to assets | 23.7666% | 140 |
| Core capital (leverage) ratio | 23.9582% | 137 |
| Tier 1 risk-based capital ratio | 28.5833% | 566 |
| Total risk-based capital ratio | 29.8419% | 554 |
| Memoranda: | ||
| Average total assets | $130,404,200 | 4,253 |
| Average earning assets | $92,464,600 | 4,931 |
| Average equity | $33,606,400 | 1,965 |
| Average total loans | $83,426,200 | 4,228 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8613% | 1,229 |
| Cost of funding earning assets | 1.2963% | 4,236 |
| Net interest margin | 4.5649% | 1,119 |
| Noninterest income to average assets | -0.3171% | 7,635 |
| Noninterest expense to average assets | 5.3348% | 300 |
| Loan and lease loss provision to assets | 1.2457% | 1,132 |
| Net operating income to assets | -2.4478% | 7,337 |
| Return on assets (ROA) | -2.4131% | 7,346 |
| Pretax return on assets | -3.6330% | 7,520 |
| Return on Equity (ROE) | -9.1791% | 6,889 |
| Retained earnings to average equity (ytd only) | -9.1791% | 6,831 |
| Net charge-offs to loans | 1.0503% | 1,927 |
| Credit loss provision to net charge-offs | 188.1804% | 1,914 |
| Earnings coverage of net charge-offs (x) | -3.6859% | 6,574 |
| Efficiency ratio | 184.2817% | 112 |
| Assets per employee ($millions) | 2.9315% | 6,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4987% | 1,326 |
| Loan loss allowance to noncurrent loans | 277.1242% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 1.5055% | 4,200 |
| Noncurrent loans to loans | 0.9016% | 5,442 |
| Net loans and leases to total assets | 62.7104% | 4,381 |
| Net loans and leases to deposits | 84.6577% | 2,588 |
| Net loans and leases to core deposits | 93.7373% | 2,562 |
| Total domestic deposits to total assets | 74.0752% | 6,915 |
| Equity capital to assets | 24.9515% | 137 |
| Core capital (leverage) ratio | 25.0166% | 127 |
| Tier 1 risk-based capital ratio | 29.0982% | 565 |
| Total risk-based capital ratio | 30.3559% | 550 |
| Memoranda: | ||
| Average total assets | $129,511,750 | 4,337 |
| Average earning assets | $91,127,250 | 5,038 |
| Average equity | $34,047,750 | 1,966 |
| Average total loans | $81,624,000 | 4,361 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8596% | 1,279 |
| Cost of funding earning assets | 1.3604% | 4,120 |
| Net interest margin | 4.4992% | 1,212 |
| Noninterest income to average assets | -0.0606% | 7,596 |
| Noninterest expense to average assets | 5.1744% | 332 |
| Loan and lease loss provision to assets | 1.0349% | 1,407 |
| Net operating income to assets | -2.0871% | 7,332 |
| Return on assets (ROA) | -2.0340% | 7,324 |
| Pretax return on assets | -3.0301% | 7,472 |
| Return on Equity (ROE) | -7.6049% | 6,868 |
| Retained earnings to average equity (ytd only) | -7.6049% | 6,784 |
| Net charge-offs to loans | 0.3923% | 3,406 |
| Credit loss provision to net charge-offs | 421.5190% | 863 |
| Earnings coverage of net charge-offs (x) | -8.4494% | 6,315 |
| Efficiency ratio | 166.9173% | 158 |
| Assets per employee ($millions) | 2.7631% | 6,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5250% | 1,270 |
| Loan loss allowance to noncurrent loans | 79.4299% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 2.5665% | 2,826 |
| Noncurrent loans to loans | 3.1790% | 2,518 |
| Net loans and leases to total assets | 61.2949% | 4,823 |
| Net loans and leases to deposits | 83.7798% | 2,910 |
| Net loans and leases to core deposits | 92.9049% | 2,860 |
| Total domestic deposits to total assets | 73.1619% | 7,077 |
| Equity capital to assets | 26.0819% | 123 |
| Core capital (leverage) ratio | 26.9548% | 107 |
| Tier 1 risk-based capital ratio | 30.4379% | 485 |
| Total risk-based capital ratio | 31.6952% | 479 |
| Memoranda: | ||
| Average total assets | $128,710,330 | 4,385 |
| Average earning assets | $90,416,330 | 5,078 |
| Average equity | $34,425,330 | 1,941 |
| Average total loans | $80,550,330 | 4,432 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1245% | 743 |
| Cost of funding earning assets | 1.5211% | 3,417 |
| Net interest margin | 4.6034% | 947 |
| Noninterest income to average assets | 0.3840% | 5,056 |
| Noninterest expense to average assets | 4.9261% | 386 |
| Loan and lease loss provision to assets | 0.4058% | 2,932 |
| Net operating income to assets | -1.2322% | 7,233 |
| Return on assets (ROA) | -1.1176% | 7,190 |
| Pretax return on assets | -1.5578% | 7,277 |
| Return on Equity (ROE) | -4.1265% | 6,830 |
| Retained earnings to average equity (ytd only) | -4.1265% | 6,512 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.2694% | 280 |
| Assets per employee ($millions) | 2.7397% | 6,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2051% | 1,741 |
| Loan loss allowance to noncurrent loans | 236.9902% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.9742% | 5,203 |
| Noncurrent loans to loans | 0.9305% | 5,460 |
| Net loans and leases to total assets | 60.6135% | 5,017 |
| Net loans and leases to deposits | 85.0351% | 2,756 |
| Net loans and leases to core deposits | 94.7964% | 2,730 |
| Total domestic deposits to total assets | 71.2806% | 7,325 |
| Equity capital to assets | 28.1565% | 104 |
| Core capital (leverage) ratio | 26.6423% | 113 |
| Tier 1 risk-based capital ratio | 31.7632% | 445 |
| Total risk-based capital ratio | 33.0166% | 437 |
| Memoranda: | ||
| Average total assets | $128,133,500 | 4,451 |
| Average earning assets | $89,934,500 | 5,168 |
| Average equity | $34,702,500 | 1,943 |
| Average total loans | $79,994,500 | 4,505 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2179% | 1,195 |
| Cost of funding earning assets | 2.0894% | 2,518 |
| Net interest margin | 4.1286% | 2,323 |
| Noninterest income to average assets | 0.1512% | 6,978 |
| Noninterest expense to average assets | 5.2386% | 449 |
| Loan and lease loss provision to assets | 1.3967% | 1,643 |
| Net operating income to assets | -2.2078% | 7,167 |
| Return on assets (ROA) | -1.8988% | 7,047 |
| Pretax return on assets | -3.1126% | 7,324 |
| Return on Equity (ROE) | -7.7293% | 6,446 |
| Retained earnings to average equity (ytd only) | -7.7293% | 6,314 |
| Net charge-offs to loans | 1.8863% | 1,318 |
| Credit loss provision to net charge-offs | 131.1373% | 3,867 |
| Earnings coverage of net charge-offs (x) | -2.0643% | 7,003 |
| Efficiency ratio | 172.3276% | 211 |
| Assets per employee ($millions) | 2.9551% | 6,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8594% | 2,378 |
| Loan loss allowance to noncurrent loans | 218.5654% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.9031% | 5,293 |
| Noncurrent loans to loans | 0.8507% | 5,591 |
| Net loans and leases to total assets | 61.6795% | 5,060 |
| Net loans and leases to deposits | 84.7020% | 3,140 |
| Net loans and leases to core deposits | 141.0330% | 772 |
| Total domestic deposits to total assets | 72.8194% | 7,173 |
| Equity capital to assets | 26.0879% | 138 |
| Core capital (leverage) ratio | 26.8051% | 134 |
| Tier 1 risk-based capital ratio | 29.2217% | 567 |
| Total risk-based capital ratio | 30.4729% | 555 |
| Memoranda: | ||
| Average total assets | $119,707,400 | 4,572 |
| Average earning assets | $83,758,000 | 5,340 |
| Average equity | $29,407,600 | 2,273 |
| Average total loans | $67,593,000 | 4,954 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1497% | 1,494 |
| Cost of funding earning assets | 2.1399% | 2,711 |
| Net interest margin | 4.0098% | 2,770 |
| Noninterest income to average assets | 0.0848% | 7,474 |
| Noninterest expense to average assets | 5.3463% | 394 |
| Loan and lease loss provision to assets | 0.7148% | 2,590 |
| Net operating income to assets | -2.3016% | 7,411 |
| Return on assets (ROA) | -1.8249% | 7,242 |
| Pretax return on assets | -2.5237% | 7,352 |
| Return on Equity (ROE) | -7.5622% | 6,701 |
| Retained earnings to average equity (ytd only) | -7.5622% | 6,555 |
| Net charge-offs to loans | 1.6541% | 1,227 |
| Credit loss provision to net charge-offs | 79.0875% | 5,790 |
| Earnings coverage of net charge-offs (x) | -2.7339% | 6,791 |
| Efficiency ratio | 185.9363% | 179 |
| Assets per employee ($millions) | 2.8026% | 6,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 4,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 6,519 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 60.2833% | 5,540 |
| Net loans and leases to deposits | 86.0709% | 3,304 |
| Net loans and leases to core deposits | 144.3140% | 753 |
| Total domestic deposits to total assets | 70.0391% | 7,413 |
| Equity capital to assets | 26.0716% | 162 |
| Core capital (leverage) ratio | 27.2994% | 147 |
| Tier 1 risk-based capital ratio | 28.3960% | 662 |
| Total risk-based capital ratio | 29.2620% | 668 |
| Memoranda: | ||
| Average total assets | $116,389,000 | 4,688 |
| Average earning assets | $80,999,500 | 5,456 |
| Average equity | $28,086,500 | 2,388 |
| Average total loans | $63,597,250 | 5,145 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2535% | 1,325 |
| Cost of funding earning assets | 2.2109% | 2,743 |
| Net interest margin | 4.0426% | 2,532 |
| Noninterest income to average assets | 0.2406% | 6,562 |
| Noninterest expense to average assets | 5.5181% | 376 |
| Loan and lease loss provision to assets | 1.3047% | 1,314 |
| Net operating income to assets | -2.8138% | 7,636 |
| Return on assets (ROA) | -2.0515% | 7,436 |
| Pretax return on assets | -2.7590% | 7,492 |
| Return on Equity (ROE) | -8.7712% | 6,953 |
| Retained earnings to average equity (ytd only) | -8.7712% | 6,749 |
| Net charge-offs to loans | 2.2404% | 808 |
| Credit loss provision to net charge-offs | 111.5854% | 4,151 |
| Earnings coverage of net charge-offs (x) | -2.1250% | 6,361 |
| Efficiency ratio | 181.9036% | 246 |
| Assets per employee ($millions) | 2.6461% | 6,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9738% | 1,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 6,670 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 53.7756% | 6,485 |
| Net loans and leases to deposits | 74.9593% | 5,331 |
| Net loans and leases to core deposits | 128.4712% | 1,679 |
| Total domestic deposits to total assets | 71.7398% | 7,272 |
| Equity capital to assets | 26.3583% | 180 |
| Core capital (leverage) ratio | 27.1685% | 172 |
| Tier 1 risk-based capital ratio | 29.8985% | 611 |
| Total risk-based capital ratio | 31.1340% | 596 |
| Memoranda: | ||
| Average total assets | $112,212,670 | 4,820 |
| Average earning assets | $77,524,000 | 5,611 |
| Average equity | $26,245,000 | 2,537 |
| Average total loans | $58,560,330 | 5,401 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4900% | 887 |
| Cost of funding earning assets | 2.1684% | 3,325 |
| Net interest margin | 4.3216% | 1,542 |
| Noninterest income to average assets | 0.1651% | 7,123 |
| Noninterest expense to average assets | 5.6898% | 337 |
| Loan and lease loss provision to assets | 0.3590% | 3,167 |
| Net operating income to assets | -2.6125% | 7,790 |
| Return on assets (ROA) | -0.7036% | 7,098 |
| Pretax return on assets | -0.7682% | 7,014 |
| Return on Equity (ROE) | -3.2168% | 6,798 |
| Retained earnings to average equity (ytd only) | -3.2168% | 6,313 |
| Net charge-offs to loans | 4.6123% | 243 |
| Credit loss provision to net charge-offs | 15.3139% | 5,139 |
| Earnings coverage of net charge-offs (x) | -1.0597% | 5,372 |
| Efficiency ratio | 177.4916% | 251 |
| Assets per employee ($millions) | 2.7143% | 6,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 5,770 |
| Loan loss allowance to noncurrent loans | 156.8831% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 6,451 |
| Noncurrent loans to loans | 0.6735% | 5,723 |
| Net loans and leases to total assets | 52.0912% | 6,673 |
| Net loans and leases to deposits | 76.2882% | 5,180 |
| Net loans and leases to core deposits | 133.0878% | 1,471 |
| Total domestic deposits to total assets | 68.2822% | 7,577 |
| Equity capital to assets | 23.8190% | 252 |
| Core capital (leverage) ratio | 22.3221% | 299 |
| Tier 1 risk-based capital ratio | 27.7592% | 773 |
| Total risk-based capital ratio | 28.4171% | 789 |
| Memoranda: | ||
| Average total assets | $111,428,000 | 4,864 |
| Average earning assets | $78,397,500 | 5,610 |
| Average equity | $24,372,000 | 2,722 |
| Average total loans | $56,631,000 | 5,519 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3118% | 3,903 |
| Cost of funding earning assets | 3.6176% | 359 |
| Net interest margin | 2.6942% | 7,505 |
| Noninterest income to average assets | 0.1476% | 7,359 |
| Noninterest expense to average assets | 4.8561% | 685 |
| Loan and lease loss provision to assets | 1.3341% | 1,063 |
| Net operating income to assets | -3.4349% | 7,901 |
| Return on assets (ROA) | -3.4349% | 7,883 |
| Pretax return on assets | -4.1086% | 7,909 |
| Return on Equity (ROE) | -14.5373% | 7,568 |
| Retained earnings to average equity (ytd only) | -14.5373% | 7,432 |
| Net charge-offs to loans | 0.0375% | 6,276 |
| Credit loss provision to net charge-offs | 8,484.6154% | 70 |
| Earnings coverage of net charge-offs (x) | -176.4615% | 7,017 |
| Efficiency ratio | 233.2946% | 160 |
| Assets per employee ($millions) | 3.3613% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0624% | 1,127 |
| Loan loss allowance to noncurrent loans | 75.5222% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.3405% | 3,536 |
| Noncurrent loans to loans | 2.7308% | 1,986 |
| Net loans and leases to total assets | 48.0771% | 7,183 |
| Net loans and leases to deposits | 114.5168% | 592 |
| Net loans and leases to core deposits | 197.5408% | 180 |
| Total domestic deposits to total assets | 41.9826% | 8,177 |
| Equity capital to assets | 20.0231% | 465 |
| Core capital (leverage) ratio | 20.5858% | 398 |
| Tier 1 risk-based capital ratio | 25.4949% | 948 |
| Total risk-based capital ratio | 26.7458% | 925 |
| Memoranda: | ||
| Average total assets | $82,679,600 | 5,606 |
| Average earning assets | $59,349,200 | 6,199 |
| Average equity | $19,536,000 | 3,302 |
| Average total loans | $34,653,400 | 6,449 |