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FirstBank of Boulder, Performance and Condition Ratios

2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0910%4,368
Cost of funding earning assets0.5658%7,359
Net interest margin4.5251%1,206
Noninterest income to average assets0.9021%1,789
Noninterest expense to average assets2.0728%6,905
Loan and lease loss provision to assets0.3260%3,978
Net operating income to assets1.9335%377
Return on assets (ROA)1.8997%451
Pretax return on assets2.8050%157
Return on Equity (ROE)25.5918%108
Retained earnings to average equity (ytd only)11.5716%514
Net charge-offs to loans0.5286%3,185
Credit loss provision to net charge-offs158.0986%2,417
Earnings coverage of net charge-offs (x)15.4237%1,443
Efficiency ratio39.4563%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 loans1.5557%3,711
Loan loss allowance to noncurrent loans253.0222%1,160
Noncurrent assets plus other real estate owned to assets0.3980%6,423
Noncurrent loans to loans0.6149%5,972
Net loans and leases to total assets37.7527%7,194
Net loans and leases to deposits41.4154%7,322
Net loans and leases to core deposits42.4096%7,364
Total domestic deposits to total assets91.1563%395
Equity capital to assets7.8838%6,881
Core capital (leverage) ratio7.0524%7,139
Tier 1 risk-based capital ratio14.9432%3,281
Total risk-based capital ratio16.1944%3,264
Memoranda:
Average total assets$550,867,0001,224
Average earning assets$529,710,0001,165
Average equity$40,892,2501,623
Average total loans$214,913,7502,050
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1200%4,345
Cost of funding earning assets0.5964%7,415
Net interest margin4.5236%1,158
Noninterest income to average assets0.9379%1,553
Noninterest expense to average assets2.0403%7,030
Loan and lease loss provision to assets0.2088%4,786
Net operating income to assets2.0535%307
Return on assets (ROA)2.0028%362
Pretax return on assets2.9659%131
Return on Equity (ROE)27.5551%80
Retained earnings to average equity (ytd only)20.0469%90
Net charge-offs to loans0.3310%3,668
Credit loss provision to net charge-offs160.7843%2,449
Earnings coverage of net charge-offs (x)25.0168%1,050
Efficiency ratio38.5721%7,664
Assets per employee ($millions)8.7942%366
Cash dividends to net income (ytd only)*27.2480%2,614
Condition Ratios (%)
Loss allowance to loans1.3925%4,463
Loan loss allowance to noncurrent loans175.0867%1,621
Noncurrent assets plus other real estate owned to assets0.4822%6,246
Noncurrent loans to loans0.7953%5,686
Net loans and leases to total assets39.3397%7,206
Net loans and leases to deposits43.1001%7,351
Net loans and leases to core deposits44.1746%7,397
Total domestic deposits to total assets91.2753%392
Equity capital to assets7.8591%6,877
Core capital (leverage) ratio7.0238%7,178
Tier 1 risk-based capital ratio14.9035%3,205
Total risk-based capital ratio16.1018%3,208
Memoranda:
Average total assets$549,722,0001,235
Average earning assets$528,823,0001,170
Average equity$39,956,3301,668
Average total loans$215,694,6702,071
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0448%4,809
Cost of funding earning assets0.6162%7,514
Net interest margin4.4286%1,300
Noninterest income to average assets0.7863%2,088
Noninterest expense to average assets1.9922%7,176
Loan and lease loss provision to assets0.1377%5,181
Net operating income to assets1.9801%357
Return on assets (ROA)1.8791%461
Pretax return on assets2.7683%166
Return on Equity (ROE)26.9340%122
Retained earnings to average equity (ytd only)11.3532%856
Net charge-offs to loans0.0186%5,323
Credit loss provision to net charge-offs1,900.0000%269
Earnings coverage of net charge-offs (x)421.5000%68
Efficiency ratio39.4744%7,746
Assets per employee ($millions)8.8690%368
Cash dividends to net income (ytd only)*57.8481%1,295
Condition Ratios (%)
Loss allowance to loans1.3721%4,568
Loan loss allowance to noncurrent loans136.5753%2,043
Noncurrent assets plus other real estate owned to assets0.4177%6,423
Noncurrent loans to loans1.0047%5,316
Net loans and leases to total assets38.4777%7,331
Net loans and leases to deposits41.8036%7,464
Net loans and leases to core deposits42.7374%7,509
Total domestic deposits to total assets92.0440%230
Equity capital to assets7.0436%7,349
Core capital (leverage) ratio6.4875%7,472
Tier 1 risk-based capital ratio13.5444%3,959
Total risk-based capital ratio14.7087%3,977
Memoranda:
Average total assets$551,961,5001,260
Average earning assets$530,999,5001,194
Average equity$38,509,0001,747
Average total loans$214,779,0002,131
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4018%4,690
Cost of funding earning assets0.9887%7,229
Net interest margin4.4131%1,397
Noninterest income to average assets0.8080%2,369
Noninterest expense to average assets2.1866%7,024
Loan and lease loss provision to assets0.1667%6,021
Net operating income to assets1.8455%326
Return on assets (ROA)1.8606%323
Pretax return on assets2.7400%121
Return on Equity (ROE)27.5328%65
Retained earnings to average equity (ytd only)11.5436%246
Net charge-offs to loans0.6992%3,086
Credit loss provision to net charge-offs59.8621%6,640
Earnings coverage of net charge-offs (x)10.3559%1,697
Efficiency ratio43.1191%7,801
Assets per employee ($millions)8.2602%452
Cash dividends to net income (ytd only)*58.0735%2,085
Condition Ratios (%)
Loss allowance to loans1.3286%4,599
Loan loss allowance to noncurrent loans121.2683%2,323
Noncurrent assets plus other real estate owned to assets0.4468%6,339
Noncurrent loans to loans1.0956%5,133
Net loans and leases to total assets38.2928%7,437
Net loans and leases to deposits41.5021%7,581
Net loans and leases to core deposits45.4473%7,681
Total domestic deposits to total assets92.2670%220
Equity capital to assets6.9083%7,411
Core capital (leverage) ratio6.5409%7,471
Tier 1 risk-based capital ratio13.4255%3,868
Total risk-based capital ratio14.5455%3,890
Memoranda:
Average total assets$520,575,8001,326
Average earning assets$502,887,2001,255
Average equity$35,179,8001,914
Average total loans$207,370,0002,228
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4931%4,448
Cost of funding earning assets1.0590%7,268
Net interest margin4.4341%1,356
Noninterest income to average assets0.7947%2,458
Noninterest expense to average assets2.2119%6,941
Loan and lease loss provision to assets0.2257%5,162
Net operating income to assets1.7959%447
Return on assets (ROA)1.8163%456
Pretax return on assets2.6768%150
Return on Equity (ROE)27.0370%88
Retained earnings to average equity (ytd only)13.0516%255
Net charge-offs to loans0.9603%2,055
Credit loss provision to net charge-offs58.6137%6,195
Earnings coverage of net charge-offs (x)7.4583%2,402
Efficiency ratio43.5031%7,850
Assets per employee ($millions)8.2091%477
Cash dividends to net income (ytd only)*51.7266%1,931
Condition Ratios (%)
Loss allowance to loans1.3373%4,274
Loan loss allowance to noncurrent loans124.4066%2,292
Noncurrent assets plus other real estate owned to assets0.4250%6,391
Noncurrent loans to loans1.0750%5,158
Net loans and leases to total assets39.0091%7,503
Net loans and leases to deposits42.2679%7,664
Net loans and leases to core deposits46.4697%7,760
Total domestic deposits to total assets92.2902%144
Equity capital to assets7.0889%7,555
Core capital (leverage) ratio6.5596%7,645
Tier 1 risk-based capital ratio13.4583%3,887
Total risk-based capital ratio14.5988%3,905
Memoranda:
Average total assets$514,426,5001,354
Average earning assets$497,679,5001,278
Average equity$34,559,2501,966
Average total loans$206,319,2502,260
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5913%4,117
Cost of funding earning assets1.1396%7,275
Net interest margin4.4516%1,286
Noninterest income to average assets0.7498%2,707
Noninterest expense to average assets2.2280%6,980
Loan and lease loss provision to assets0.1825%5,214
Net operating income to assets1.7906%475
Return on assets (ROA)1.8521%446
Pretax return on assets2.7355%141
Return on Equity (ROE)28.1010%90
Retained earnings to average equity (ytd only)13.0999%317
Net charge-offs to loans0.0738%5,472
Credit loss provision to net charge-offs613.1579%754
Earnings coverage of net charge-offs (x)95.0132%399
Efficiency ratio44.0709%7,921
Assets per employee ($millions)7.8241%532
Cash dividends to net income (ytd only)*53.3827%1,918
Condition Ratios (%)
Loss allowance to loans1.8114%2,014
Loan loss allowance to noncurrent loans103.1071%2,815
Noncurrent assets plus other real estate owned to assets0.7214%5,604
Noncurrent loans to loans1.7569%3,872
Net loans and leases to total assets40.3204%7,532
Net loans and leases to deposits43.5463%7,714
Net loans and leases to core deposits47.9891%7,798
Total domestic deposits to total assets92.5921%134
Equity capital to assets6.9122%7,656
Core capital (leverage) ratio6.4275%7,830
Tier 1 risk-based capital ratio13.0676%4,092
Total risk-based capital ratio14.3213%4,011
Memoranda:
Average total assets$510,773,6701,382
Average earning assets$494,021,3301,314
Average equity$33,664,3302,017
Average total loans$205,850,3302,282
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6439%4,088
Cost of funding earning assets1.2678%7,127
Net interest margin4.3761%1,406
Noninterest income to average assets0.8580%2,043
Noninterest expense to average assets2.0708%7,190
Loan and lease loss provision to assets0.1774%4,686
Net operating income to assets1.9095%418
Return on assets (ROA)2.0310%377
Pretax return on assets3.0234%124
Return on Equity (ROE)31.5796%85
Retained earnings to average equity (ytd only)15.7837%357
Net charge-offs to loans0.0372%4,991
Credit loss provision to net charge-offs1,194.7368%536
Earnings coverage of net charge-offs (x)203.3684%207
Efficiency ratio40.6816%8,033
Assets per employee ($millions)8.5154%418
Cash dividends to net income (ytd only)*50.0192%1,757
Condition Ratios (%)
Loss allowance to loans1.7473%1,986
Loan loss allowance to noncurrent loans125.4793%2,505
Noncurrent assets plus other real estate owned to assets0.6242%5,623
Noncurrent loans to loans1.3925%4,223
Net loans and leases to total assets39.6210%7,586
Net loans and leases to deposits42.7354%7,764
Net loans and leases to core deposits46.9015%7,852
Total domestic deposits to total assets92.7124%106
Equity capital to assets6.6282%7,831
Core capital (leverage) ratio6.2396%7,958
Tier 1 risk-based capital ratio13.1411%4,091
Total risk-based capital ratio14.3946%4,006
Memoranda:
Average total assets$511,877,5001,390
Average earning assets$495,048,0001,311
Average equity$32,920,0002,055
Average total loans$204,356,0002,322
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8765%6,154
Cost of funding earning assets1.8477%6,873
Net interest margin4.0288%2,987
Noninterest income to average assets0.9540%1,748
Noninterest expense to average assets2.1356%7,147
Loan and lease loss provision to assets0.3806%3,413
Net operating income to assets1.6463%759
Return on assets (ROA)1.3038%1,423
Pretax return on assets1.8360%876
Return on Equity (ROE)21.2490%289
Retained earnings to average equity (ytd only)8.1060%816
Net charge-offs to loans0.0535%6,026
Credit loss provision to net charge-offs1,966.6667%230
Earnings coverage of net charge-offs (x)139.4583%325
Efficiency ratio44.1725%8,005
Assets per employee ($millions)8.2715%426
Cash dividends to net income (ytd only)*61.8525%2,587
Condition Ratios (%)
Loss allowance to loans1.6736%1,987
Loan loss allowance to noncurrent loans120.3264%2,974
Noncurrent assets plus other real estate owned to assets0.6121%5,367
Noncurrent loans to loans1.3909%3,733
Net loans and leases to total assets38.8601%7,720
Net loans and leases to deposits44.9570%7,822
Net loans and leases to core deposits48.5850%7,914
Total domestic deposits to total assets86.4385%2,198
Equity capital to assets6.2350%8,008
Core capital (leverage) ratio6.0700%8,058
Tier 1 risk-based capital ratio12.6202%4,354
Total risk-based capital ratio13.8726%4,261
Memoranda:
Average total assets$496,029,4001,365
Average earning assets$477,787,4001,293
Average equity$30,434,4002,223
Average total loans$179,460,8002,504