Home > FirstBank of Avon > Performance and Condition Ratios
FirstBank of Avon, 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 | 5.4213% | 2,786 |
| Cost of funding earning assets | 0.4725% | 7,482 |
| Net interest margin | 4.9487% | 489 |
| Noninterest income to average assets | 0.8180% | 2,139 |
| Noninterest expense to average assets | 2.5927% | 5,358 |
| Loan and lease loss provision to assets | 1.0988% | 1,325 |
| Net operating income to assets | 1.3498% | 1,221 |
| Return on assets (ROA) | 1.2579% | 1,525 |
| Pretax return on assets | 1.6417% | 1,239 |
| Return on Equity (ROE) | 16.0932% | 693 |
| Retained earnings to average equity (ytd only) | -10.5672% | 6,908 |
| Net charge-offs to loans | 0.3327% | 3,996 |
| Credit loss provision to net charge-offs | 477.7595% | 621 |
| Earnings coverage of net charge-offs (x) | 12.4350% | 1,686 |
| Efficiency ratio | 47.5506% | 7,297 |
| Assets per employee ($millions) | 7.0143% | 769 |
| Cash dividends to net income (ytd only)* | 165.6625% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4356% | 1,424 |
| Loan loss allowance to noncurrent loans | 187.8294% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 1.4493% | 4,276 |
| Noncurrent loans to loans | 1.2967% | 4,690 |
| Net loans and leases to total assets | 68.3938% | 3,123 |
| Net loans and leases to deposits | 88.7703% | 1,895 |
| Net loans and leases to core deposits | 91.2268% | 2,916 |
| Total domestic deposits to total assets | 77.0458% | 6,467 |
| Equity capital to assets | 7.7730% | 6,951 |
| Core capital (leverage) ratio | 7.5600% | 6,806 |
| Tier 1 risk-based capital ratio | 13.6235% | 4,106 |
| Total risk-based capital ratio | 14.8974% | 4,034 |
| Memoranda: | ||
| Average total assets | $351,905,750 | 1,887 |
| Average earning assets | $329,558,750 | 1,839 |
| Average equity | $27,505,750 | 2,376 |
| Average total loans | $243,219,500 | 1,821 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4461% | 2,767 |
| Cost of funding earning assets | 0.4927% | 7,552 |
| Net interest margin | 4.9534% | 467 |
| Noninterest income to average assets | 0.8152% | 2,041 |
| Noninterest expense to average assets | 2.5870% | 5,372 |
| Loan and lease loss provision to assets | 1.1484% | 1,251 |
| Net operating income to assets | 1.3509% | 1,191 |
| Return on assets (ROA) | 1.2115% | 1,594 |
| Pretax return on assets | 1.5578% | 1,411 |
| Return on Equity (ROE) | 15.4709% | 766 |
| Retained earnings to average equity (ytd only) | -20.7777% | 7,270 |
| Net charge-offs to loans | 0.2014% | 4,404 |
| Credit loss provision to net charge-offs | 829.0984% | 450 |
| Earnings coverage of net charge-offs (x) | 20.8279% | 1,198 |
| Efficiency ratio | 47.2767% | 7,384 |
| Assets per employee ($millions) | 6.9630% | 782 |
| Cash dividends to net income (ytd only)* | 234.3018% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2469% | 1,677 |
| Loan loss allowance to noncurrent loans | 184.7400% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 1.3951% | 4,385 |
| Noncurrent loans to loans | 1.2162% | 4,934 |
| Net loans and leases to total assets | 68.3807% | 3,271 |
| Net loans and leases to deposits | 85.2397% | 2,650 |
| Net loans and leases to core deposits | 87.5958% | 3,602 |
| Total domestic deposits to total assets | 80.2216% | 5,662 |
| Equity capital to assets | 7.6040% | 7,048 |
| Core capital (leverage) ratio | 7.2440% | 7,038 |
| Tier 1 risk-based capital ratio | 13.2596% | 4,241 |
| Total risk-based capital ratio | 14.5304% | 4,186 |
| Memoranda: | ||
| Average total assets | $352,302,330 | 1,898 |
| Average earning assets | $331,209,000 | 1,840 |
| Average equity | $27,587,330 | 2,366 |
| Average total loans | $242,340,670 | 1,855 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4342% | 2,885 |
| Cost of funding earning assets | 0.5065% | 7,665 |
| Net interest margin | 4.9278% | 489 |
| Noninterest income to average assets | 0.8195% | 1,932 |
| Noninterest expense to average assets | 2.5600% | 5,519 |
| Loan and lease loss provision to assets | 0.7709% | 1,642 |
| Net operating income to assets | 1.5935% | 766 |
| Return on assets (ROA) | 1.4199% | 1,106 |
| Pretax return on assets | 1.8918% | 744 |
| Return on Equity (ROE) | 17.8792% | 525 |
| Retained earnings to average equity (ytd only) | -24.7579% | 7,455 |
| Net charge-offs to loans | 0.1473% | 4,047 |
| Credit loss provision to net charge-offs | 767.4157% | 586 |
| Earnings coverage of net charge-offs (x) | 28.8090% | 894 |
| Efficiency ratio | 46.9371% | 7,504 |
| Assets per employee ($millions) | 6.6858% | 914 |
| Cash dividends to net income (ytd only)* | 238.4738% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7660% | 2,839 |
| Loan loss allowance to noncurrent loans | 325.5885% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.6217% | 5,963 |
| Noncurrent loans to loans | 0.5424% | 6,205 |
| Net loans and leases to total assets | 67.3141% | 3,548 |
| Net loans and leases to deposits | 77.5241% | 4,125 |
| Net loans and leases to core deposits | 79.2012% | 4,865 |
| Total domestic deposits to total assets | 86.8299% | 2,719 |
| Equity capital to assets | 7.7065% | 6,927 |
| Core capital (leverage) ratio | 7.5015% | 6,849 |
| Tier 1 risk-based capital ratio | 13.7101% | 3,857 |
| Total risk-based capital ratio | 14.9728% | 3,802 |
| Memoranda: | ||
| Average total assets | $354,379,500 | 1,936 |
| Average earning assets | $333,295,000 | 1,878 |
| Average equity | $28,144,500 | 2,364 |
| Average total loans | $241,742,000 | 1,909 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6669% | 3,270 |
| Cost of funding earning assets | 0.7931% | 7,566 |
| Net interest margin | 4.8738% | 593 |
| Noninterest income to average assets | 0.8635% | 2,123 |
| Noninterest expense to average assets | 2.4402% | 6,336 |
| Loan and lease loss provision to assets | 0.6284% | 3,293 |
| Net operating income to assets | 1.7191% | 422 |
| Return on assets (ROA) | 1.8393% | 336 |
| Pretax return on assets | 2.5909% | 142 |
| Return on Equity (ROE) | 24.7117% | 93 |
| Retained earnings to average equity (ytd only) | 10.8958% | 290 |
| Net charge-offs to loans | 0.4472% | 3,996 |
| Credit loss provision to net charge-offs | 226.6029% | 1,647 |
| Earnings coverage of net charge-offs (x) | 10.9981% | 1,637 |
| Efficiency ratio | 44.4461% | 7,766 |
| Assets per employee ($millions) | 6.5631% | 964 |
| Cash dividends to net income (ytd only)* | 55.9082% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 3,553 |
| Loan loss allowance to noncurrent loans | 274.0356% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 5,977 |
| Noncurrent loans to loans | 0.5601% | 6,128 |
| Net loans and leases to total assets | 66.8646% | 3,960 |
| Net loans and leases to deposits | 80.1927% | 3,956 |
| Net loans and leases to core deposits | 86.7837% | 5,446 |
| Total domestic deposits to total assets | 83.3800% | 4,343 |
| Equity capital to assets | 8.1773% | 6,369 |
| Core capital (leverage) ratio | 7.9955% | 6,201 |
| Tier 1 risk-based capital ratio | 14.6655% | 3,124 |
| Total risk-based capital ratio | 15.9248% | 3,073 |
| Memoranda: | ||
| Average total assets | $376,819,400 | 1,814 |
| Average earning assets | $357,711,400 | 1,751 |
| Average equity | $28,047,400 | 2,366 |
| Average total loans | $233,689,200 | 2,003 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7133% | 3,276 |
| Cost of funding earning assets | 0.8406% | 7,639 |
| Net interest margin | 4.8727% | 592 |
| Noninterest income to average assets | 0.8601% | 2,145 |
| Noninterest expense to average assets | 2.4161% | 6,361 |
| Loan and lease loss provision to assets | 0.5606% | 3,146 |
| Net operating income to assets | 1.7776% | 474 |
| Return on assets (ROA) | 1.7492% | 531 |
| Pretax return on assets | 2.4775% | 199 |
| Return on Equity (ROE) | 24.0497% | 128 |
| Retained earnings to average equity (ytd only) | 10.2680% | 585 |
| Net charge-offs to loans | 0.2914% | 4,208 |
| Credit loss provision to net charge-offs | 317.1598% | 1,299 |
| Earnings coverage of net charge-offs (x) | 17.4143% | 1,409 |
| Efficiency ratio | 43.9749% | 7,841 |
| Assets per employee ($millions) | 6.8736% | 835 |
| Cash dividends to net income (ytd only)* | 57.3052% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 3,581 |
| Loan loss allowance to noncurrent loans | 673.9806% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.3093% | 6,714 |
| Noncurrent loans to loans | 0.2185% | 6,950 |
| Net loans and leases to total assets | 62.5581% | 5,151 |
| Net loans and leases to deposits | 80.6088% | 4,276 |
| Net loans and leases to core deposits | 87.4184% | 5,700 |
| Total domestic deposits to total assets | 77.6071% | 6,191 |
| Equity capital to assets | 7.7284% | 7,123 |
| Core capital (leverage) ratio | 7.2928% | 7,195 |
| Tier 1 risk-based capital ratio | 14.1144% | 3,482 |
| Total risk-based capital ratio | 15.3716% | 3,423 |
| Memoranda: | ||
| Average total assets | $382,421,750 | 1,799 |
| Average earning assets | $363,704,000 | 1,740 |
| Average equity | $27,814,000 | 2,402 |
| Average total loans | $231,944,250 | 2,043 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7753% | 3,160 |
| Cost of funding earning assets | 0.9207% | 7,670 |
| Net interest margin | 4.8546% | 596 |
| Noninterest income to average assets | 0.8810% | 2,058 |
| Noninterest expense to average assets | 2.4512% | 6,293 |
| Loan and lease loss provision to assets | 0.3237% | 4,003 |
| Net operating income to assets | 1.9002% | 375 |
| Return on assets (ROA) | 1.9002% | 405 |
| Pretax return on assets | 2.7237% | 146 |
| Return on Equity (ROE) | 26.6610% | 111 |
| Retained earnings to average equity (ytd only) | 17.3962% | 123 |
| Net charge-offs to loans | 0.2436% | 3,975 |
| Credit loss provision to net charge-offs | 222.4199% | 2,062 |
| Earnings coverage of net charge-offs (x) | 20.9395% | 1,288 |
| Efficiency ratio | 44.5794% | 7,906 |
| Assets per employee ($millions) | 7.3172% | 667 |
| Cash dividends to net income (ytd only)* | 34.7506% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 5,181 |
| Loan loss allowance to noncurrent loans | 2,281.5126% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 7,097 |
| Noncurrent loans to loans | 0.0509% | 7,410 |
| Net loans and leases to total assets | 60.7119% | 5,565 |
| Net loans and leases to deposits | 83.4594% | 3,969 |
| Net loans and leases to core deposits | 89.7378% | 5,558 |
| Total domestic deposits to total assets | 72.7442% | 7,149 |
| Equity capital to assets | 7.5476% | 7,221 |
| Core capital (leverage) ratio | 7.1957% | 7,365 |
| Tier 1 risk-based capital ratio | 14.0311% | 3,502 |
| Total risk-based capital ratio | 15.2833% | 3,442 |
| Memoranda: | ||
| Average total assets | $386,170,670 | 1,814 |
| Average earning assets | $367,325,000 | 1,749 |
| Average equity | $27,523,330 | 2,437 |
| Average total loans | $230,702,000 | 2,076 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7610% | 3,475 |
| Cost of funding earning assets | 1.0795% | 7,547 |
| Net interest margin | 4.6815% | 797 |
| Noninterest income to average assets | 0.8720% | 1,976 |
| Noninterest expense to average assets | 2.3958% | 6,203 |
| Loan and lease loss provision to assets | 0.2262% | 4,187 |
| Net operating income to assets | 1.8796% | 454 |
| Return on assets (ROA) | 1.8796% | 504 |
| Pretax return on assets | 2.7002% | 179 |
| Return on Equity (ROE) | 27.1559% | 140 |
| Retained earnings to average equity (ytd only) | 21.2137% | 138 |
| Net charge-offs to loans | 0.0384% | 4,967 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 129.3636% | 336 |
| Efficiency ratio | 45.0155% | 7,890 |
| Assets per employee ($millions) | 7.0563% | 751 |
| Cash dividends to net income (ytd only)* | 21.8818% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 5,314 |
| Loan loss allowance to noncurrent loans | 962.1723% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 7,391 |
| Noncurrent loans to loans | 0.1166% | 7,192 |
| Net loans and leases to total assets | 58.3307% | 5,889 |
| Net loans and leases to deposits | 71.6248% | 5,790 |
| Net loans and leases to core deposits | 76.3382% | 6,655 |
| Total domestic deposits to total assets | 81.4393% | 4,770 |
| Equity capital to assets | 7.1443% | 7,600 |
| Core capital (leverage) ratio | 6.8453% | 7,734 |
| Tier 1 risk-based capital ratio | 13.4862% | 3,874 |
| Total risk-based capital ratio | 14.7398% | 3,795 |
| Memoranda: | ||
| Average total assets | $389,010,000 | 1,808 |
| Average earning assets | $369,794,000 | 1,749 |
| Average equity | $26,926,000 | 2,497 |
| Average total loans | $229,193,500 | 2,103 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9886% | 5,602 |
| Cost of funding earning assets | 1.8656% | 6,834 |
| Net interest margin | 4.1230% | 2,609 |
| Noninterest income to average assets | 0.9088% | 1,924 |
| Noninterest expense to average assets | 2.2474% | 6,846 |
| Loan and lease loss provision to assets | 0.1870% | 5,017 |
| Net operating income to assets | 1.7149% | 659 |
| Return on assets (ROA) | 1.5197% | 946 |
| Pretax return on assets | 2.1104% | 476 |
| Return on Equity (ROE) | 23.0590% | 207 |
| Retained earnings to average equity (ytd only) | 11.5315% | 266 |
| Net charge-offs to loans | 0.0405% | 6,214 |
| Credit loss provision to net charge-offs | 860.2410% | 510 |
| Earnings coverage of net charge-offs (x) | 118.1325% | 384 |
| Efficiency ratio | 46.6656% | 7,891 |
| Assets per employee ($millions) | 6.9629% | 720 |
| Cash dividends to net income (ytd only)* | 49.9914% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 5,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 58.2338% | 6,171 |
| Net loans and leases to deposits | 74.0862% | 5,835 |
| Net loans and leases to core deposits | 77.8372% | 6,755 |
| Total domestic deposits to total assets | 78.6028% | 5,512 |
| Equity capital to assets | 6.7001% | 7,870 |
| Core capital (leverage) ratio | 6.5380% | 7,923 |
| Tier 1 risk-based capital ratio | 12.7680% | 4,247 |
| Total risk-based capital ratio | 14.0209% | 4,166 |
| Memoranda: | ||
| Average total assets | $381,730,800 | 1,771 |
| Average earning assets | $361,754,800 | 1,716 |
| Average equity | $25,157,200 | 2,629 |
| Average total loans | $204,854,800 | 2,252 |