Home > FirstBank of Boulder > Performance and Condition Ratios
FirstBank of Boulder, 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 | 5.0910% | 4,368 |
Cost of funding earning assets | 0.5658% | 7,359 |
Net interest margin | 4.5251% | 1,206 |
Noninterest income to average assets | 0.9021% | 1,789 |
Noninterest expense to average assets | 2.0728% | 6,905 |
Loan and lease loss provision to assets | 0.3260% | 3,978 |
Net operating income to assets | 1.9335% | 377 |
Return on assets (ROA) | 1.8997% | 451 |
Pretax return on assets | 2.8050% | 157 |
Return on Equity (ROE) | 25.5918% | 108 |
Retained earnings to average equity (ytd only) | 11.5716% | 514 |
Net charge-offs to loans | 0.5286% | 3,185 |
Credit loss provision to net charge-offs | 158.0986% | 2,417 |
Earnings coverage of net charge-offs (x) | 15.4237% | 1,443 |
Efficiency ratio | 39.4563% | 7,592 |
Assets per employee ($millions) | 8.5277% | 410 |
Cash dividends to net income (ytd only)* | 54.7841% | 1,439 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5557% | 3,711 |
Loan loss allowance to noncurrent loans | 253.0222% | 1,160 |
Noncurrent assets plus other real estate owned to assets | 0.3980% | 6,423 |
Noncurrent loans to loans | 0.6149% | 5,972 |
Net loans and leases to total assets | 37.7527% | 7,194 |
Net loans and leases to deposits | 41.4154% | 7,322 |
Net loans and leases to core deposits | 42.4096% | 7,364 |
Total domestic deposits to total assets | 91.1563% | 395 |
Equity capital to assets | 7.8838% | 6,881 |
Core capital (leverage) ratio | 7.0524% | 7,139 |
Tier 1 risk-based capital ratio | 14.9432% | 3,281 |
Total risk-based capital ratio | 16.1944% | 3,264 |
Memoranda: | ||
Average total assets | $550,867,000 | 1,224 |
Average earning assets | $529,710,000 | 1,165 |
Average equity | $40,892,250 | 1,623 |
Average total loans | $214,913,750 | 2,050 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1200% | 4,345 |
Cost of funding earning assets | 0.5964% | 7,415 |
Net interest margin | 4.5236% | 1,158 |
Noninterest income to average assets | 0.9379% | 1,553 |
Noninterest expense to average assets | 2.0403% | 7,030 |
Loan and lease loss provision to assets | 0.2088% | 4,786 |
Net operating income to assets | 2.0535% | 307 |
Return on assets (ROA) | 2.0028% | 362 |
Pretax return on assets | 2.9659% | 131 |
Return on Equity (ROE) | 27.5551% | 80 |
Retained earnings to average equity (ytd only) | 20.0469% | 90 |
Net charge-offs to loans | 0.3310% | 3,668 |
Credit loss provision to net charge-offs | 160.7843% | 2,449 |
Earnings coverage of net charge-offs (x) | 25.0168% | 1,050 |
Efficiency ratio | 38.5721% | 7,664 |
Assets per employee ($millions) | 8.7942% | 366 |
Cash dividends to net income (ytd only)* | 27.2480% | 2,614 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3925% | 4,463 |
Loan loss allowance to noncurrent loans | 175.0867% | 1,621 |
Noncurrent assets plus other real estate owned to assets | 0.4822% | 6,246 |
Noncurrent loans to loans | 0.7953% | 5,686 |
Net loans and leases to total assets | 39.3397% | 7,206 |
Net loans and leases to deposits | 43.1001% | 7,351 |
Net loans and leases to core deposits | 44.1746% | 7,397 |
Total domestic deposits to total assets | 91.2753% | 392 |
Equity capital to assets | 7.8591% | 6,877 |
Core capital (leverage) ratio | 7.0238% | 7,178 |
Tier 1 risk-based capital ratio | 14.9035% | 3,205 |
Total risk-based capital ratio | 16.1018% | 3,208 |
Memoranda: | ||
Average total assets | $549,722,000 | 1,235 |
Average earning assets | $528,823,000 | 1,170 |
Average equity | $39,956,330 | 1,668 |
Average total loans | $215,694,670 | 2,071 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0448% | 4,809 |
Cost of funding earning assets | 0.6162% | 7,514 |
Net interest margin | 4.4286% | 1,300 |
Noninterest income to average assets | 0.7863% | 2,088 |
Noninterest expense to average assets | 1.9922% | 7,176 |
Loan and lease loss provision to assets | 0.1377% | 5,181 |
Net operating income to assets | 1.9801% | 357 |
Return on assets (ROA) | 1.8791% | 461 |
Pretax return on assets | 2.7683% | 166 |
Return on Equity (ROE) | 26.9340% | 122 |
Retained earnings to average equity (ytd only) | 11.3532% | 856 |
Net charge-offs to loans | 0.0186% | 5,323 |
Credit loss provision to net charge-offs | 1,900.0000% | 269 |
Earnings coverage of net charge-offs (x) | 421.5000% | 68 |
Efficiency ratio | 39.4744% | 7,746 |
Assets per employee ($millions) | 8.8690% | 368 |
Cash dividends to net income (ytd only)* | 57.8481% | 1,295 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3721% | 4,568 |
Loan loss allowance to noncurrent loans | 136.5753% | 2,043 |
Noncurrent assets plus other real estate owned to assets | 0.4177% | 6,423 |
Noncurrent loans to loans | 1.0047% | 5,316 |
Net loans and leases to total assets | 38.4777% | 7,331 |
Net loans and leases to deposits | 41.8036% | 7,464 |
Net loans and leases to core deposits | 42.7374% | 7,509 |
Total domestic deposits to total assets | 92.0440% | 230 |
Equity capital to assets | 7.0436% | 7,349 |
Core capital (leverage) ratio | 6.4875% | 7,472 |
Tier 1 risk-based capital ratio | 13.5444% | 3,959 |
Total risk-based capital ratio | 14.7087% | 3,977 |
Memoranda: | ||
Average total assets | $551,961,500 | 1,260 |
Average earning assets | $530,999,500 | 1,194 |
Average equity | $38,509,000 | 1,747 |
Average total loans | $214,779,000 | 2,131 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4018% | 4,690 |
Cost of funding earning assets | 0.9887% | 7,229 |
Net interest margin | 4.4131% | 1,397 |
Noninterest income to average assets | 0.8080% | 2,369 |
Noninterest expense to average assets | 2.1866% | 7,024 |
Loan and lease loss provision to assets | 0.1667% | 6,021 |
Net operating income to assets | 1.8455% | 326 |
Return on assets (ROA) | 1.8606% | 323 |
Pretax return on assets | 2.7400% | 121 |
Return on Equity (ROE) | 27.5328% | 65 |
Retained earnings to average equity (ytd only) | 11.5436% | 246 |
Net charge-offs to loans | 0.6992% | 3,086 |
Credit loss provision to net charge-offs | 59.8621% | 6,640 |
Earnings coverage of net charge-offs (x) | 10.3559% | 1,697 |
Efficiency ratio | 43.1191% | 7,801 |
Assets per employee ($millions) | 8.2602% | 452 |
Cash dividends to net income (ytd only)* | 58.0735% | 2,085 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3286% | 4,599 |
Loan loss allowance to noncurrent loans | 121.2683% | 2,323 |
Noncurrent assets plus other real estate owned to assets | 0.4468% | 6,339 |
Noncurrent loans to loans | 1.0956% | 5,133 |
Net loans and leases to total assets | 38.2928% | 7,437 |
Net loans and leases to deposits | 41.5021% | 7,581 |
Net loans and leases to core deposits | 45.4473% | 7,681 |
Total domestic deposits to total assets | 92.2670% | 220 |
Equity capital to assets | 6.9083% | 7,411 |
Core capital (leverage) ratio | 6.5409% | 7,471 |
Tier 1 risk-based capital ratio | 13.4255% | 3,868 |
Total risk-based capital ratio | 14.5455% | 3,890 |
Memoranda: | ||
Average total assets | $520,575,800 | 1,326 |
Average earning assets | $502,887,200 | 1,255 |
Average equity | $35,179,800 | 1,914 |
Average total loans | $207,370,000 | 2,228 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4931% | 4,448 |
Cost of funding earning assets | 1.0590% | 7,268 |
Net interest margin | 4.4341% | 1,356 |
Noninterest income to average assets | 0.7947% | 2,458 |
Noninterest expense to average assets | 2.2119% | 6,941 |
Loan and lease loss provision to assets | 0.2257% | 5,162 |
Net operating income to assets | 1.7959% | 447 |
Return on assets (ROA) | 1.8163% | 456 |
Pretax return on assets | 2.6768% | 150 |
Return on Equity (ROE) | 27.0370% | 88 |
Retained earnings to average equity (ytd only) | 13.0516% | 255 |
Net charge-offs to loans | 0.9603% | 2,055 |
Credit loss provision to net charge-offs | 58.6137% | 6,195 |
Earnings coverage of net charge-offs (x) | 7.4583% | 2,402 |
Efficiency ratio | 43.5031% | 7,850 |
Assets per employee ($millions) | 8.2091% | 477 |
Cash dividends to net income (ytd only)* | 51.7266% | 1,931 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3373% | 4,274 |
Loan loss allowance to noncurrent loans | 124.4066% | 2,292 |
Noncurrent assets plus other real estate owned to assets | 0.4250% | 6,391 |
Noncurrent loans to loans | 1.0750% | 5,158 |
Net loans and leases to total assets | 39.0091% | 7,503 |
Net loans and leases to deposits | 42.2679% | 7,664 |
Net loans and leases to core deposits | 46.4697% | 7,760 |
Total domestic deposits to total assets | 92.2902% | 144 |
Equity capital to assets | 7.0889% | 7,555 |
Core capital (leverage) ratio | 6.5596% | 7,645 |
Tier 1 risk-based capital ratio | 13.4583% | 3,887 |
Total risk-based capital ratio | 14.5988% | 3,905 |
Memoranda: | ||
Average total assets | $514,426,500 | 1,354 |
Average earning assets | $497,679,500 | 1,278 |
Average equity | $34,559,250 | 1,966 |
Average total loans | $206,319,250 | 2,260 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5913% | 4,117 |
Cost of funding earning assets | 1.1396% | 7,275 |
Net interest margin | 4.4516% | 1,286 |
Noninterest income to average assets | 0.7498% | 2,707 |
Noninterest expense to average assets | 2.2280% | 6,980 |
Loan and lease loss provision to assets | 0.1825% | 5,214 |
Net operating income to assets | 1.7906% | 475 |
Return on assets (ROA) | 1.8521% | 446 |
Pretax return on assets | 2.7355% | 141 |
Return on Equity (ROE) | 28.1010% | 90 |
Retained earnings to average equity (ytd only) | 13.0999% | 317 |
Net charge-offs to loans | 0.0738% | 5,472 |
Credit loss provision to net charge-offs | 613.1579% | 754 |
Earnings coverage of net charge-offs (x) | 95.0132% | 399 |
Efficiency ratio | 44.0709% | 7,921 |
Assets per employee ($millions) | 7.8241% | 532 |
Cash dividends to net income (ytd only)* | 53.3827% | 1,918 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8114% | 2,014 |
Loan loss allowance to noncurrent loans | 103.1071% | 2,815 |
Noncurrent assets plus other real estate owned to assets | 0.7214% | 5,604 |
Noncurrent loans to loans | 1.7569% | 3,872 |
Net loans and leases to total assets | 40.3204% | 7,532 |
Net loans and leases to deposits | 43.5463% | 7,714 |
Net loans and leases to core deposits | 47.9891% | 7,798 |
Total domestic deposits to total assets | 92.5921% | 134 |
Equity capital to assets | 6.9122% | 7,656 |
Core capital (leverage) ratio | 6.4275% | 7,830 |
Tier 1 risk-based capital ratio | 13.0676% | 4,092 |
Total risk-based capital ratio | 14.3213% | 4,011 |
Memoranda: | ||
Average total assets | $510,773,670 | 1,382 |
Average earning assets | $494,021,330 | 1,314 |
Average equity | $33,664,330 | 2,017 |
Average total loans | $205,850,330 | 2,282 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6439% | 4,088 |
Cost of funding earning assets | 1.2678% | 7,127 |
Net interest margin | 4.3761% | 1,406 |
Noninterest income to average assets | 0.8580% | 2,043 |
Noninterest expense to average assets | 2.0708% | 7,190 |
Loan and lease loss provision to assets | 0.1774% | 4,686 |
Net operating income to assets | 1.9095% | 418 |
Return on assets (ROA) | 2.0310% | 377 |
Pretax return on assets | 3.0234% | 124 |
Return on Equity (ROE) | 31.5796% | 85 |
Retained earnings to average equity (ytd only) | 15.7837% | 357 |
Net charge-offs to loans | 0.0372% | 4,991 |
Credit loss provision to net charge-offs | 1,194.7368% | 536 |
Earnings coverage of net charge-offs (x) | 203.3684% | 207 |
Efficiency ratio | 40.6816% | 8,033 |
Assets per employee ($millions) | 8.5154% | 418 |
Cash dividends to net income (ytd only)* | 50.0192% | 1,757 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7473% | 1,986 |
Loan loss allowance to noncurrent loans | 125.4793% | 2,505 |
Noncurrent assets plus other real estate owned to assets | 0.6242% | 5,623 |
Noncurrent loans to loans | 1.3925% | 4,223 |
Net loans and leases to total assets | 39.6210% | 7,586 |
Net loans and leases to deposits | 42.7354% | 7,764 |
Net loans and leases to core deposits | 46.9015% | 7,852 |
Total domestic deposits to total assets | 92.7124% | 106 |
Equity capital to assets | 6.6282% | 7,831 |
Core capital (leverage) ratio | 6.2396% | 7,958 |
Tier 1 risk-based capital ratio | 13.1411% | 4,091 |
Total risk-based capital ratio | 14.3946% | 4,006 |
Memoranda: | ||
Average total assets | $511,877,500 | 1,390 |
Average earning assets | $495,048,000 | 1,311 |
Average equity | $32,920,000 | 2,055 |
Average total loans | $204,356,000 | 2,322 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8765% | 6,154 |
Cost of funding earning assets | 1.8477% | 6,873 |
Net interest margin | 4.0288% | 2,987 |
Noninterest income to average assets | 0.9540% | 1,748 |
Noninterest expense to average assets | 2.1356% | 7,147 |
Loan and lease loss provision to assets | 0.3806% | 3,413 |
Net operating income to assets | 1.6463% | 759 |
Return on assets (ROA) | 1.3038% | 1,423 |
Pretax return on assets | 1.8360% | 876 |
Return on Equity (ROE) | 21.2490% | 289 |
Retained earnings to average equity (ytd only) | 8.1060% | 816 |
Net charge-offs to loans | 0.0535% | 6,026 |
Credit loss provision to net charge-offs | 1,966.6667% | 230 |
Earnings coverage of net charge-offs (x) | 139.4583% | 325 |
Efficiency ratio | 44.1725% | 8,005 |
Assets per employee ($millions) | 8.2715% | 426 |
Cash dividends to net income (ytd only)* | 61.8525% | 2,587 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6736% | 1,987 |
Loan loss allowance to noncurrent loans | 120.3264% | 2,974 |
Noncurrent assets plus other real estate owned to assets | 0.6121% | 5,367 |
Noncurrent loans to loans | 1.3909% | 3,733 |
Net loans and leases to total assets | 38.8601% | 7,720 |
Net loans and leases to deposits | 44.9570% | 7,822 |
Net loans and leases to core deposits | 48.5850% | 7,914 |
Total domestic deposits to total assets | 86.4385% | 2,198 |
Equity capital to assets | 6.2350% | 8,008 |
Core capital (leverage) ratio | 6.0700% | 8,058 |
Tier 1 risk-based capital ratio | 12.6202% | 4,354 |
Total risk-based capital ratio | 13.8726% | 4,261 |
Memoranda: | ||
Average total assets | $496,029,400 | 1,365 |
Average earning assets | $477,787,400 | 1,293 |
Average equity | $30,434,400 | 2,223 |
Average total loans | $179,460,800 | 2,504 |