Home > FirstBank of Aurora > Performance and Condition Ratios
FirstBank of Aurora, 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 | 4.9343% | 5,111 |
| Cost of funding earning assets | 0.6248% | 7,242 |
| Net interest margin | 4.3096% | 1,822 |
| Noninterest income to average assets | 1.5622% | 569 |
| Noninterest expense to average assets | 3.2001% | 2,928 |
| Loan and lease loss provision to assets | 0.1111% | 5,920 |
| Net operating income to assets | 1.6634% | 665 |
| Return on assets (ROA) | 1.6222% | 785 |
| Pretax return on assets | 2.2347% | 379 |
| Return on Equity (ROE) | 22.5363% | 180 |
| Retained earnings to average equity (ytd only) | 4.6965% | 3,198 |
| Net charge-offs to loans | 0.4992% | 3,282 |
| Credit loss provision to net charge-offs | 77.8865% | 5,199 |
| Earnings coverage of net charge-offs (x) | 16.8394% | 1,359 |
| Efficiency ratio | 57.1208% | 6,399 |
| Assets per employee ($millions) | 4.3148% | 3,233 |
| Cash dividends to net income (ytd only)* | 79.1602% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6962% | 3,164 |
| Loan loss allowance to noncurrent loans | 46.8661% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 1.0819% | 4,948 |
| Noncurrent loans to loans | 3.6192% | 2,157 |
| Net loans and leases to total assets | 28.1214% | 7,509 |
| Net loans and leases to deposits | 30.7747% | 7,552 |
| Net loans and leases to core deposits | 31.5929% | 7,560 |
| Total domestic deposits to total assets | 91.3784% | 337 |
| Equity capital to assets | 7.5710% | 7,081 |
| Core capital (leverage) ratio | 6.7943% | 7,251 |
| Tier 1 risk-based capital ratio | 15.4896% | 3,000 |
| Total risk-based capital ratio | 16.6248% | 3,025 |
| Memoranda: | ||
| Average total assets | $477,605,250 | 1,418 |
| Average earning assets | $447,737,250 | 1,378 |
| Average equity | $34,379,250 | 1,951 |
| Average total loans | $136,482,000 | 3,046 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9491% | 5,183 |
| Cost of funding earning assets | 0.6529% | 7,288 |
| Net interest margin | 4.2962% | 1,793 |
| Noninterest income to average assets | 1.5316% | 547 |
| Noninterest expense to average assets | 3.1496% | 3,099 |
| Loan and lease loss provision to assets | 0.2336% | 4,580 |
| Net operating income to assets | 1.5872% | 743 |
| Return on assets (ROA) | 1.5570% | 859 |
| Pretax return on assets | 2.1325% | 460 |
| Return on Equity (ROE) | 22.0076% | 213 |
| Retained earnings to average equity (ytd only) | 7.2414% | 1,734 |
| Net charge-offs to loans | 0.6451% | 2,608 |
| Credit loss provision to net charge-offs | 126.7574% | 3,180 |
| Earnings coverage of net charge-offs (x) | 13.0635% | 1,614 |
| Efficiency ratio | 56.6777% | 6,548 |
| Assets per employee ($millions) | 4.3876% | 3,072 |
| Cash dividends to net income (ytd only)* | 67.0961% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8648% | 2,526 |
| Loan loss allowance to noncurrent loans | 68.4509% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 0.8196% | 5,483 |
| Noncurrent loans to loans | 2.7242% | 2,924 |
| Net loans and leases to total assets | 27.8618% | 7,579 |
| Net loans and leases to deposits | 30.4233% | 7,635 |
| Net loans and leases to core deposits | 31.2610% | 7,639 |
| Total domestic deposits to total assets | 91.5804% | 315 |
| Equity capital to assets | 7.4567% | 7,139 |
| Core capital (leverage) ratio | 6.7336% | 7,311 |
| Tier 1 risk-based capital ratio | 15.2274% | 3,048 |
| Total risk-based capital ratio | 16.4526% | 3,015 |
| Memoranda: | ||
| Average total assets | $478,599,000 | 1,429 |
| Average earning assets | $448,444,330 | 1,383 |
| Average equity | $33,861,000 | 1,970 |
| Average total loans | $136,718,000 | 3,072 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9207% | 5,354 |
| Cost of funding earning assets | 0.6759% | 7,385 |
| Net interest margin | 4.2447% | 1,871 |
| Noninterest income to average assets | 1.5114% | 528 |
| Noninterest expense to average assets | 3.0687% | 3,397 |
| Loan and lease loss provision to assets | 0.3793% | 3,092 |
| Net operating income to assets | 1.5025% | 891 |
| Return on assets (ROA) | 1.4629% | 1,030 |
| Pretax return on assets | 1.9817% | 628 |
| Return on Equity (ROE) | 21.2497% | 315 |
| Retained earnings to average equity (ytd only) | -9.0897% | 6,905 |
| Net charge-offs to loans | 0.9739% | 1,681 |
| Credit loss provision to net charge-offs | 135.9281% | 2,602 |
| Earnings coverage of net charge-offs (x) | 8.6527% | 1,936 |
| Efficiency ratio | 55.9653% | 6,769 |
| Assets per employee ($millions) | 4.4815% | 2,988 |
| Cash dividends to net income (ytd only)* | 142.7756% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8442% | 2,594 |
| Loan loss allowance to noncurrent loans | 79.3179% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.8663% | 5,427 |
| Noncurrent loans to loans | 2.3250% | 3,358 |
| Net loans and leases to total assets | 27.8768% | 7,674 |
| Net loans and leases to deposits | 30.1975% | 7,728 |
| Net loans and leases to core deposits | 30.9927% | 7,733 |
| Total domestic deposits to total assets | 92.3147% | 190 |
| Equity capital to assets | 6.7673% | 7,461 |
| Core capital (leverage) ratio | 6.4083% | 7,495 |
| Tier 1 risk-based capital ratio | 14.0071% | 3,648 |
| Total risk-based capital ratio | 15.2106% | 3,644 |
| Memoranda: | ||
| Average total assets | $478,772,000 | 1,460 |
| Average earning assets | $447,989,500 | 1,418 |
| Average equity | $32,960,500 | 2,037 |
| Average total loans | $137,186,000 | 3,126 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3895% | 4,746 |
| Cost of funding earning assets | 1.0745% | 7,047 |
| Net interest margin | 4.3150% | 1,674 |
| Noninterest income to average assets | 1.6119% | 556 |
| Noninterest expense to average assets | 3.3543% | 2,823 |
| Loan and lease loss provision to assets | 0.1978% | 5,757 |
| Net operating income to assets | 1.5603% | 598 |
| Return on assets (ROA) | 1.4909% | 740 |
| Pretax return on assets | 2.0274% | 385 |
| Return on Equity (ROE) | 22.5595% | 145 |
| Retained earnings to average equity (ytd only) | 10.8681% | 292 |
| Net charge-offs to loans | 0.3723% | 4,349 |
| Credit loss provision to net charge-offs | 177.5391% | 2,354 |
| Earnings coverage of net charge-offs (x) | 20.8105% | 1,024 |
| Efficiency ratio | 59.1246% | 6,606 |
| Assets per employee ($millions) | 4.5533% | 2,829 |
| Cash dividends to net income (ytd only)* | 51.8248% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7639% | 2,660 |
| Loan loss allowance to noncurrent loans | 393.9641% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 6,683 |
| Noncurrent loans to loans | 0.4477% | 6,378 |
| Net loans and leases to total assets | 28.4025% | 7,744 |
| Net loans and leases to deposits | 30.8335% | 7,799 |
| Net loans and leases to core deposits | 33.9135% | 7,836 |
| Total domestic deposits to total assets | 92.1157% | 242 |
| Equity capital to assets | 7.0041% | 7,367 |
| Core capital (leverage) ratio | 6.6866% | 7,417 |
| Tier 1 risk-based capital ratio | 14.6283% | 3,143 |
| Total risk-based capital ratio | 15.7965% | 3,130 |
| Memoranda: | ||
| Average total assets | $459,463,800 | 1,504 |
| Average earning assets | $432,469,800 | 1,467 |
| Average equity | $30,364,200 | 2,202 |
| Average total loans | $137,521,600 | 3,125 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4727% | 4,566 |
| Cost of funding earning assets | 1.1506% | 7,039 |
| Net interest margin | 4.3221% | 1,670 |
| Noninterest income to average assets | 1.6066% | 570 |
| Noninterest expense to average assets | 3.3538% | 2,716 |
| Loan and lease loss provision to assets | 0.1673% | 5,683 |
| Net operating income to assets | 1.5937% | 672 |
| Return on assets (ROA) | 1.5004% | 872 |
| Pretax return on assets | 2.0359% | 509 |
| Return on Equity (ROE) | 23.0626% | 171 |
| Retained earnings to average equity (ytd only) | 9.3536% | 749 |
| Net charge-offs to loans | 0.4251% | 3,556 |
| Credit loss provision to net charge-offs | 130.2961% | 3,843 |
| Earnings coverage of net charge-offs (x) | 18.1435% | 1,365 |
| Efficiency ratio | 59.0151% | 6,567 |
| Assets per employee ($millions) | 4.4020% | 3,029 |
| Cash dividends to net income (ytd only)* | 59.4427% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 3,092 |
| Loan loss allowance to noncurrent loans | 310.8382% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 6,686 |
| Noncurrent loans to loans | 0.5072% | 6,291 |
| Net loans and leases to total assets | 29.0541% | 7,824 |
| Net loans and leases to deposits | 31.4570% | 7,889 |
| Net loans and leases to core deposits | 34.6722% | 7,911 |
| Total domestic deposits to total assets | 92.3612% | 134 |
| Equity capital to assets | 6.9499% | 7,619 |
| Core capital (leverage) ratio | 6.4723% | 7,686 |
| Tier 1 risk-based capital ratio | 14.3684% | 3,345 |
| Total risk-based capital ratio | 15.4343% | 3,396 |
| Memoranda: | ||
| Average total assets | $455,945,000 | 1,534 |
| Average earning assets | $430,024,500 | 1,486 |
| Average equity | $29,663,500 | 2,276 |
| Average total loans | $137,674,000 | 3,159 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5664% | 4,242 |
| Cost of funding earning assets | 1.2410% | 6,989 |
| Net interest margin | 4.3254% | 1,588 |
| Noninterest income to average assets | 1.6234% | 564 |
| Noninterest expense to average assets | 3.3649% | 2,741 |
| Loan and lease loss provision to assets | 0.2781% | 4,354 |
| Net operating income to assets | 1.5234% | 801 |
| Return on assets (ROA) | 1.4568% | 983 |
| Pretax return on assets | 1.9698% | 601 |
| Return on Equity (ROE) | 22.9236% | 201 |
| Retained earnings to average equity (ytd only) | 8.7090% | 1,008 |
| Net charge-offs to loans | 0.4447% | 3,036 |
| Credit loss provision to net charge-offs | 205.5375% | 2,220 |
| Earnings coverage of net charge-offs (x) | 17.2801% | 1,485 |
| Efficiency ratio | 59.0063% | 6,694 |
| Assets per employee ($millions) | 4.2375% | 3,223 |
| Cash dividends to net income (ytd only)* | 62.0085% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6972% | 2,364 |
| Loan loss allowance to noncurrent loans | 163.7063% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 6,647 |
| Noncurrent loans to loans | 1.0368% | 5,145 |
| Net loans and leases to total assets | 29.6274% | 7,893 |
| Net loans and leases to deposits | 32.0056% | 7,966 |
| Net loans and leases to core deposits | 35.5644% | 7,987 |
| Total domestic deposits to total assets | 92.5694% | 138 |
| Equity capital to assets | 6.7594% | 7,729 |
| Core capital (leverage) ratio | 6.2391% | 7,873 |
| Tier 1 risk-based capital ratio | 14.1829% | 3,411 |
| Total risk-based capital ratio | 15.3603% | 3,390 |
| Memoranda: | ||
| Average total assets | $453,857,670 | 1,556 |
| Average earning assets | $428,031,670 | 1,511 |
| Average equity | $28,843,670 | 2,347 |
| Average total loans | $138,085,000 | 3,178 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6569% | 4,014 |
| Cost of funding earning assets | 1.3753% | 6,799 |
| Net interest margin | 4.2816% | 1,645 |
| Noninterest income to average assets | 1.6338% | 512 |
| Noninterest expense to average assets | 3.2489% | 2,801 |
| Loan and lease loss provision to assets | 0.2637% | 3,850 |
| Net operating income to assets | 1.5718% | 824 |
| Return on assets (ROA) | 1.5718% | 903 |
| Pretax return on assets | 2.1604% | 482 |
| Return on Equity (ROE) | 25.5553% | 170 |
| Retained earnings to average equity (ytd only) | 11.1661% | 938 |
| Net charge-offs to loans | 0.1187% | 4,021 |
| Credit loss provision to net charge-offs | 726.8293% | 829 |
| Earnings coverage of net charge-offs (x) | 66.8049% | 598 |
| Efficiency ratio | 57.2699% | 6,793 |
| Assets per employee ($millions) | 4.3978% | 2,892 |
| Cash dividends to net income (ytd only)* | 56.3063% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6439% | 2,331 |
| Loan loss allowance to noncurrent loans | 170.6677% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 6,491 |
| Noncurrent loans to loans | 0.9632% | 5,067 |
| Net loans and leases to total assets | 29.4771% | 7,924 |
| Net loans and leases to deposits | 31.6521% | 8,017 |
| Net loans and leases to core deposits | 34.8649% | 8,038 |
| Total domestic deposits to total assets | 93.1284% | 75 |
| Equity capital to assets | 6.2867% | 7,940 |
| Core capital (leverage) ratio | 6.2960% | 7,946 |
| Tier 1 risk-based capital ratio | 13.4554% | 3,894 |
| Total risk-based capital ratio | 14.5599% | 3,910 |
| Memoranda: | ||
| Average total assets | $451,963,000 | 1,569 |
| Average earning assets | $426,383,500 | 1,526 |
| Average equity | $27,798,500 | 2,433 |
| Average total loans | $138,162,500 | 3,207 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9831% | 5,630 |
| Cost of funding earning assets | 1.8782% | 6,798 |
| Net interest margin | 4.1049% | 2,689 |
| Noninterest income to average assets | 1.9129% | 372 |
| Noninterest expense to average assets | 3.2941% | 2,982 |
| Loan and lease loss provision to assets | 0.2211% | 4,673 |
| Net operating income to assets | 1.6453% | 762 |
| Return on assets (ROA) | 1.5795% | 834 |
| Pretax return on assets | 2.1474% | 442 |
| Return on Equity (ROE) | 26.3081% | 109 |
| Retained earnings to average equity (ytd only) | 14.7745% | 97 |
| Net charge-offs to loans | 0.1481% | 4,725 |
| Credit loss provision to net charge-offs | 526.3736% | 828 |
| Earnings coverage of net charge-offs (x) | 58.4945% | 684 |
| Efficiency ratio | 57.2742% | 6,823 |
| Assets per employee ($millions) | 4.0565% | 3,397 |
| Cash dividends to net income (ytd only)* | 43.8404% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 2,869 |
| Loan loss allowance to noncurrent loans | 209.2324% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 6,394 |
| Noncurrent loans to loans | 0.6989% | 5,283 |
| Net loans and leases to total assets | 30.7395% | 7,970 |
| Net loans and leases to deposits | 34.0923% | 8,058 |
| Net loans and leases to core deposits | 37.2556% | 8,091 |
| Total domestic deposits to total assets | 90.1656% | 585 |
| Equity capital to assets | 6.0085% | 8,060 |
| Core capital (leverage) ratio | 6.1854% | 8,024 |
| Tier 1 risk-based capital ratio | 13.2308% | 3,976 |
| Total risk-based capital ratio | 14.2290% | 4,040 |
| Memoranda: | ||
| Average total assets | $433,227,600 | 1,573 |
| Average earning assets | $405,122,800 | 1,542 |
| Average equity | $26,011,000 | 2,559 |
| Average total loans | $122,867,000 | 3,402 |