Home > FirstBank of Arvada > Performance and Condition Ratios
FirstBank of Arvada, 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 | 4.5779% | 6,393 |
| Cost of funding earning assets | 0.7159% | 7,023 |
| Net interest margin | 3.8620% | 3,697 |
| Noninterest income to average assets | 0.6950% | 2,842 |
| Noninterest expense to average assets | 1.7378% | 7,403 |
| Loan and lease loss provision to assets | 0.1600% | 5,436 |
| Net operating income to assets | 1.7836% | 532 |
| Return on assets (ROA) | 1.6678% | 713 |
| Pretax return on assets | 2.3527% | 300 |
| Return on Equity (ROE) | 21.4945% | 222 |
| Retained earnings to average equity (ytd only) | 21.4945% | 62 |
| Net charge-offs to loans | 0.0313% | 6,246 |
| Credit loss provision to net charge-offs | 2,327.2727% | 134 |
| Earnings coverage of net charge-offs (x) | 389.2618% | 81 |
| Efficiency ratio | 39.3727% | 7,593 |
| Assets per employee ($millions) | 10.3159% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8074% | 2,763 |
| Loan loss allowance to noncurrent loans | 351.0331% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 6,071 |
| Noncurrent loans to loans | 0.5149% | 6,169 |
| Net loans and leases to total assets | 21.3046% | 7,609 |
| Net loans and leases to deposits | 23.5805% | 7,637 |
| Net loans and leases to core deposits | 25.1182% | 7,626 |
| Total domestic deposits to total assets | 90.3484% | 699 |
| Equity capital to assets | 8.8163% | 5,838 |
| Core capital (leverage) ratio | 7.9820% | 6,372 |
| Tier 1 risk-based capital ratio | 21.0699% | 1,346 |
| Total risk-based capital ratio | 22.1351% | 1,354 |
| Memoranda: | ||
| Average total assets | $426,668,000 | 1,582 |
| Average earning assets | $410,830,000 | 1,503 |
| Average equity | $33,105,250 | 2,010 |
| Average total loans | $93,823,750 | 4,022 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6279% | 6,378 |
| Cost of funding earning assets | 0.7452% | 7,078 |
| Net interest margin | 3.8828% | 3,521 |
| Noninterest income to average assets | 0.6634% | 2,938 |
| Noninterest expense to average assets | 1.7415% | 7,466 |
| Loan and lease loss provision to assets | -0.0580% | 7,762 |
| Net operating income to assets | 1.9273% | 377 |
| Return on assets (ROA) | 1.7269% | 609 |
| Pretax return on assets | 2.4393% | 256 |
| Return on Equity (ROE) | 23.3382% | 165 |
| Retained earnings to average equity (ytd only) | 23.3382% | 59 |
| Net charge-offs to loans | 0.0213% | 6,042 |
| Credit loss provision to net charge-offs | -1,230.0000% | 6,927 |
| Earnings coverage of net charge-offs (x) | 565.3000% | 55 |
| Efficiency ratio | 39.5336% | 7,651 |
| Assets per employee ($millions) | 9.7769% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 5,705 |
| Loan loss allowance to noncurrent loans | 2,445.4545% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.4426% | 6,341 |
| Noncurrent loans to loans | 0.0469% | 7,196 |
| Net loans and leases to total assets | 21.5629% | 7,672 |
| Net loans and leases to deposits | 23.7048% | 7,704 |
| Net loans and leases to core deposits | 25.2748% | 7,695 |
| Total domestic deposits to total assets | 90.9643% | 494 |
| Equity capital to assets | 8.3027% | 6,424 |
| Core capital (leverage) ratio | 7.6101% | 6,720 |
| Tier 1 risk-based capital ratio | 20.1327% | 1,493 |
| Total risk-based capital ratio | 20.8144% | 1,565 |
| Memoranda: | ||
| Average total assets | $424,468,330 | 1,607 |
| Average earning assets | $409,037,670 | 1,514 |
| Average equity | $31,407,670 | 2,101 |
| Average total loans | $93,763,330 | 4,064 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6393% | 6,443 |
| Cost of funding earning assets | 0.7685% | 7,181 |
| Net interest margin | 3.8709% | 3,452 |
| Noninterest income to average assets | 0.7059% | 2,557 |
| Noninterest expense to average assets | 1.7514% | 7,523 |
| Loan and lease loss provision to assets | -0.0588% | 7,864 |
| Net operating income to assets | 1.9545% | 376 |
| Return on assets (ROA) | 1.6062% | 794 |
| Pretax return on assets | 2.2504% | 388 |
| Return on Equity (ROE) | 23.1498% | 223 |
| Retained earnings to average equity (ytd only) | 23.1498% | 132 |
| Net charge-offs to loans | -0.0128% | 6,950 |
| Credit loss provision to net charge-offs | 2,066.6667% | 246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5035% | 7,745 |
| Assets per employee ($millions) | 9.7639% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 5,407 |
| Loan loss allowance to noncurrent loans | 950.4132% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.2847% | 6,762 |
| Noncurrent loans to loans | 0.1282% | 7,084 |
| Net loans and leases to total assets | 21.7085% | 7,762 |
| Net loans and leases to deposits | 24.0326% | 7,804 |
| Net loans and leases to core deposits | 25.5753% | 7,790 |
| Total domestic deposits to total assets | 90.3292% | 813 |
| Equity capital to assets | 7.4768% | 7,091 |
| Core capital (leverage) ratio | 7.3384% | 6,993 |
| Tier 1 risk-based capital ratio | 18.7172% | 1,791 |
| Total risk-based capital ratio | 19.4384% | 1,875 |
| Memoranda: | ||
| Average total assets | $421,611,000 | 1,653 |
| Average earning assets | $406,008,000 | 1,564 |
| Average equity | $29,253,000 | 2,267 |
| Average total loans | $93,727,000 | 4,129 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2281% | 5,518 |
| Cost of funding earning assets | 1.2007% | 6,658 |
| Net interest margin | 4.0274% | 2,754 |
| Noninterest income to average assets | 0.7065% | 2,921 |
| Noninterest expense to average assets | 1.9382% | 7,446 |
| Loan and lease loss provision to assets | 0.0596% | 6,968 |
| Net operating income to assets | 1.8678% | 312 |
| Return on assets (ROA) | 1.8369% | 338 |
| Pretax return on assets | 2.5505% | 148 |
| Return on Equity (ROE) | 30.7341% | 45 |
| Retained earnings to average equity (ytd only) | 16.5392% | 69 |
| Net charge-offs to loans | 0.1165% | 6,003 |
| Credit loss provision to net charge-offs | 225.2427% | 1,660 |
| Earnings coverage of net charge-offs (x) | 100.1942% | 277 |
| Efficiency ratio | 42.2140% | 7,817 |
| Assets per employee ($millions) | 9.1914% | 334 |
| Cash dividends to net income (ytd only)* | 46.1861% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 4,767 |
| Loan loss allowance to noncurrent loans | 975.8065% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 6,704 |
| Noncurrent loans to loans | 0.1333% | 7,098 |
| Net loans and leases to total assets | 22.2025% | 7,837 |
| Net loans and leases to deposits | 23.7845% | 7,885 |
| Net loans and leases to core deposits | 27.9694% | 7,879 |
| Total domestic deposits to total assets | 93.3486% | 106 |
| Equity capital to assets | 6.3792% | 7,589 |
| Core capital (leverage) ratio | 6.2753% | 7,564 |
| Tier 1 risk-based capital ratio | 16.0055% | 2,520 |
| Total risk-based capital ratio | 16.7718% | 2,658 |
| Memoranda: | ||
| Average total assets | $388,977,800 | 1,765 |
| Average earning assets | $375,203,600 | 1,676 |
| Average equity | $23,247,800 | 2,803 |
| Average total loans | $88,383,000 | 4,256 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3230% | 5,310 |
| Cost of funding earning assets | 1.2761% | 6,638 |
| Net interest margin | 4.0469% | 2,609 |
| Noninterest income to average assets | 0.6840% | 3,127 |
| Noninterest expense to average assets | 1.9664% | 7,447 |
| Loan and lease loss provision to assets | 0.0467% | 6,904 |
| Net operating income to assets | 1.8470% | 403 |
| Return on assets (ROA) | 1.8052% | 467 |
| Pretax return on assets | 2.5160% | 186 |
| Return on Equity (ROE) | 30.7632% | 54 |
| Retained earnings to average equity (ytd only) | 20.0795% | 66 |
| Net charge-offs to loans | 0.1513% | 5,199 |
| Credit loss provision to net charge-offs | 135.3535% | 3,666 |
| Earnings coverage of net charge-offs (x) | 76.0082% | 449 |
| Efficiency ratio | 42.8669% | 7,866 |
| Assets per employee ($millions) | 8.8078% | 387 |
| Cash dividends to net income (ytd only)* | 34.7289% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 5,239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 7,291 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 23.0993% | 7,913 |
| Net loans and leases to deposits | 24.8115% | 7,962 |
| Net loans and leases to core deposits | 29.0798% | 7,957 |
| Total domestic deposits to total assets | 93.0993% | 80 |
| Equity capital to assets | 6.5789% | 7,744 |
| Core capital (leverage) ratio | 6.3970% | 7,704 |
| Tier 1 risk-based capital ratio | 15.5638% | 2,783 |
| Total risk-based capital ratio | 16.2646% | 2,971 |
| Memoranda: | ||
| Average total assets | $382,819,500 | 1,797 |
| Average earning assets | $369,232,000 | 1,714 |
| Average equity | $22,463,500 | 2,915 |
| Average total loans | $87,218,250 | 4,333 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4431% | 4,926 |
| Cost of funding earning assets | 1.3754% | 6,564 |
| Net interest margin | 4.0676% | 2,442 |
| Noninterest income to average assets | 0.6372% | 3,430 |
| Noninterest expense to average assets | 2.0332% | 7,405 |
| Loan and lease loss provision to assets | 0.0128% | 7,087 |
| Net operating income to assets | 1.8057% | 457 |
| Return on assets (ROA) | 1.8057% | 497 |
| Pretax return on assets | 2.5068% | 212 |
| Return on Equity (ROE) | 32.1746% | 54 |
| Retained earnings to average equity (ytd only) | 19.8326% | 77 |
| Net charge-offs to loans | 0.2030% | 4,263 |
| Credit loss provision to net charge-offs | 27.9070% | 6,053 |
| Earnings coverage of net charge-offs (x) | 54.9884% | 644 |
| Efficiency ratio | 44.6577% | 7,901 |
| Assets per employee ($millions) | 8.3659% | 426 |
| Cash dividends to net income (ytd only)* | 38.3594% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 5,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 6,677 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 22.9183% | 8,008 |
| Net loans and leases to deposits | 24.4448% | 8,043 |
| Net loans and leases to core deposits | 28.7366% | 8,044 |
| Total domestic deposits to total assets | 93.7555% | 65 |
| Equity capital to assets | 6.0416% | 7,920 |
| Core capital (leverage) ratio | 6.2568% | 7,869 |
| Tier 1 risk-based capital ratio | 15.5743% | 2,788 |
| Total risk-based capital ratio | 16.2562% | 2,957 |
| Memoranda: | ||
| Average total assets | $375,373,000 | 1,859 |
| Average earning assets | $361,339,670 | 1,772 |
| Average equity | $21,066,330 | 3,092 |
| Average total loans | $84,722,670 | 4,442 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5328% | 4,739 |
| Cost of funding earning assets | 1.5157% | 6,358 |
| Net interest margin | 4.0171% | 2,578 |
| Noninterest income to average assets | 0.5806% | 3,683 |
| Noninterest expense to average assets | 1.9598% | 7,428 |
| Loan and lease loss provision to assets | -0.0960% | 8,207 |
| Net operating income to assets | 1.8552% | 477 |
| Return on assets (ROA) | 1.8552% | 533 |
| Pretax return on assets | 2.5782% | 223 |
| Return on Equity (ROE) | 34.4239% | 63 |
| Retained earnings to average equity (ytd only) | 14.3984% | 480 |
| Net charge-offs to loans | 0.3928% | 2,524 |
| Credit loss provision to net charge-offs | -109.8765% | 6,222 |
| Earnings coverage of net charge-offs (x) | 28.3951% | 1,104 |
| Efficiency ratio | 44.1205% | 7,924 |
| Assets per employee ($millions) | 8.3726% | 433 |
| Cash dividends to net income (ytd only)* | 58.1734% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 5,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 6,087 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 21.8340% | 8,065 |
| Net loans and leases to deposits | 23.1896% | 8,116 |
| Net loans and leases to core deposits | 27.0282% | 8,104 |
| Total domestic deposits to total assets | 94.1544% | 35 |
| Equity capital to assets | 5.4787% | 8,070 |
| Core capital (leverage) ratio | 6.1024% | 7,984 |
| Tier 1 risk-based capital ratio | 15.8397% | 2,746 |
| Total risk-based capital ratio | 16.4994% | 2,900 |
| Memoranda: | ||
| Average total assets | $370,643,500 | 1,879 |
| Average earning assets | $356,273,500 | 1,801 |
| Average equity | $19,974,500 | 3,264 |
| Average total loans | $82,475,000 | 4,542 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8643% | 6,211 |
| Cost of funding earning assets | 2.0293% | 6,321 |
| Net interest margin | 3.8350% | 3,872 |
| Noninterest income to average assets | 0.8192% | 2,404 |
| Noninterest expense to average assets | 1.9031% | 7,608 |
| Loan and lease loss provision to assets | 0.2652% | 4,276 |
| Net operating income to assets | 1.7570% | 597 |
| Return on assets (ROA) | 1.5613% | 878 |
| Pretax return on assets | 2.0808% | 507 |
| Return on Equity (ROE) | 27.5330% | 89 |
| Retained earnings to average equity (ytd only) | 14.9746% | 91 |
| Net charge-offs to loans | 0.5652% | 2,121 |
| Credit loss provision to net charge-offs | 217.0163% | 2,217 |
| Earnings coverage of net charge-offs (x) | 21.3333% | 1,531 |
| Efficiency ratio | 42.1967% | 8,067 |
| Assets per employee ($millions) | 8.2846% | 420 |
| Cash dividends to net income (ytd only)* | 45.6121% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 3,633 |
| Loan loss allowance to noncurrent loans | 81.7221% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 0.5786% | 5,446 |
| Noncurrent loans to loans | 1.6191% | 3,340 |
| Net loans and leases to total assets | 22.1364% | 8,129 |
| Net loans and leases to deposits | 24.2227% | 8,172 |
| Net loans and leases to core deposits | 27.6114% | 8,165 |
| Total domestic deposits to total assets | 91.3871% | 226 |
| Equity capital to assets | 5.2965% | 8,154 |
| Core capital (leverage) ratio | 6.0658% | 8,060 |
| Tier 1 risk-based capital ratio | 15.7510% | 2,759 |
| Total risk-based capital ratio | 16.5500% | 2,854 |
| Memoranda: | ||
| Average total assets | $351,061,000 | 1,896 |
| Average earning assets | $337,858,200 | 1,822 |
| Average equity | $19,907,000 | 3,242 |
| Average total loans | $75,905,200 | 4,656 |