Home > FirstBank of Cherry Creek > Performance and Condition Ratios
FirstBank of Cherry Creek, 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 | 4.8480% | 5,476 |
| Cost of funding earning assets | 0.6463% | 7,191 |
| Net interest margin | 4.2017% | 2,208 |
| Noninterest income to average assets | 0.9457% | 1,628 |
| Noninterest expense to average assets | 2.1260% | 6,793 |
| Loan and lease loss provision to assets | 0.1669% | 5,377 |
| Net operating income to assets | 1.7810% | 533 |
| Return on assets (ROA) | 1.8012% | 546 |
| Pretax return on assets | 2.6411% | 187 |
| Return on Equity (ROE) | 24.8457% | 121 |
| Retained earnings to average equity (ytd only) | 22.9708% | 45 |
| Net charge-offs to loans | 0.1193% | 5,357 |
| Credit loss provision to net charge-offs | 354.9133% | 882 |
| Earnings coverage of net charge-offs (x) | 59.0812% | 491 |
| Efficiency ratio | 43.3489% | 7,486 |
| Assets per employee ($millions) | 8.3733% | 439 |
| Cash dividends to net income (ytd only)* | 7.5460% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7275% | 3,071 |
| Loan loss allowance to noncurrent loans | 1,607.0093% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 7,202 |
| Noncurrent loans to loans | 0.1075% | 6,970 |
| Net loans and leases to total assets | 38.9395% | 7,132 |
| Net loans and leases to deposits | 43.0604% | 7,268 |
| Net loans and leases to core deposits | 44.1069% | 7,317 |
| Total domestic deposits to total assets | 90.4298% | 668 |
| Equity capital to assets | 7.8480% | 6,903 |
| Core capital (leverage) ratio | 7.4404% | 6,888 |
| Tier 1 risk-based capital ratio | 15.5704% | 2,960 |
| Total risk-based capital ratio | 16.8233% | 2,919 |
| Memoranda: | ||
| Average total assets | $490,485,750 | 1,384 |
| Average earning assets | $462,118,500 | 1,337 |
| Average equity | $35,557,250 | 1,882 |
| Average total loans | $193,348,000 | 2,257 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9060% | 5,360 |
| Cost of funding earning assets | 0.6787% | 7,237 |
| Net interest margin | 4.2273% | 2,061 |
| Noninterest income to average assets | 0.9389% | 1,547 |
| Noninterest expense to average assets | 2.1019% | 6,901 |
| Loan and lease loss provision to assets | 0.1961% | 4,909 |
| Net operating income to assets | 1.7915% | 494 |
| Return on assets (ROA) | 1.7915% | 542 |
| Pretax return on assets | 2.6223% | 196 |
| Return on Equity (ROE) | 25.4356% | 116 |
| Retained earnings to average equity (ytd only) | 22.5173% | 64 |
| Net charge-offs to loans | 0.1264% | 4,932 |
| Credit loss provision to net charge-offs | 394.2149% | 920 |
| Earnings coverage of net charge-offs (x) | 56.6612% | 538 |
| Efficiency ratio | 42.7187% | 7,561 |
| Assets per employee ($millions) | 8.2820% | 449 |
| Cash dividends to net income (ytd only)* | 11.4732% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7297% | 2,967 |
| Loan loss allowance to noncurrent loans | 629.2683% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 7,084 |
| Noncurrent loans to loans | 0.2749% | 6,681 |
| Net loans and leases to total assets | 38.9970% | 7,221 |
| Net loans and leases to deposits | 42.4204% | 7,379 |
| Net loans and leases to core deposits | 43.4229% | 7,419 |
| Total domestic deposits to total assets | 91.9298% | 233 |
| Equity capital to assets | 7.4785% | 7,128 |
| Core capital (leverage) ratio | 7.0903% | 7,140 |
| Tier 1 risk-based capital ratio | 14.2570% | 3,570 |
| Total risk-based capital ratio | 15.5091% | 3,541 |
| Memoranda: | ||
| Average total assets | $486,516,000 | 1,405 |
| Average earning assets | $458,217,000 | 1,353 |
| Average equity | $34,267,000 | 1,953 |
| Average total loans | $191,441,000 | 2,300 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8689% | 5,612 |
| Cost of funding earning assets | 0.7056% | 7,322 |
| Net interest margin | 4.1633% | 2,180 |
| Noninterest income to average assets | 0.9253% | 1,533 |
| Noninterest expense to average assets | 2.0772% | 6,996 |
| Loan and lease loss provision to assets | 0.1681% | 4,853 |
| Net operating income to assets | 1.7822% | 518 |
| Return on assets (ROA) | 1.7822% | 566 |
| Pretax return on assets | 2.5988% | 214 |
| Return on Equity (ROE) | 26.1161% | 133 |
| Retained earnings to average equity (ytd only) | 20.0791% | 190 |
| Net charge-offs to loans | 0.1619% | 3,955 |
| Credit loss provision to net charge-offs | 264.9351% | 1,485 |
| Earnings coverage of net charge-offs (x) | 43.6104% | 634 |
| Efficiency ratio | 42.8814% | 7,654 |
| Assets per employee ($millions) | 8.2525% | 459 |
| Cash dividends to net income (ytd only)* | 23.1160% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6339% | 3,309 |
| Loan loss allowance to noncurrent loans | 512.2951% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 7,133 |
| Noncurrent loans to loans | 0.3189% | 6,665 |
| Net loans and leases to total assets | 38.6383% | 7,324 |
| Net loans and leases to deposits | 41.8384% | 7,463 |
| Net loans and leases to core deposits | 42.7870% | 7,507 |
| Total domestic deposits to total assets | 92.3514% | 183 |
| Equity capital to assets | 7.0460% | 7,348 |
| Core capital (leverage) ratio | 6.6263% | 7,423 |
| Tier 1 risk-based capital ratio | 13.3789% | 4,064 |
| Total risk-based capital ratio | 14.6300% | 4,025 |
| Memoranda: | ||
| Average total assets | $485,455,000 | 1,446 |
| Average earning assets | $456,944,000 | 1,388 |
| Average equity | $33,129,000 | 2,024 |
| Average total loans | $190,207,500 | 2,368 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1516% | 5,869 |
| Cost of funding earning assets | 1.1001% | 6,983 |
| Net interest margin | 4.0515% | 2,646 |
| Noninterest income to average assets | 1.0414% | 1,432 |
| Noninterest expense to average assets | 2.2222% | 6,934 |
| Loan and lease loss provision to assets | 0.2939% | 5,073 |
| Net operating income to assets | 1.6152% | 527 |
| Return on assets (ROA) | 1.6152% | 559 |
| Pretax return on assets | 2.3309% | 208 |
| Return on Equity (ROE) | 26.0675% | 80 |
| Retained earnings to average equity (ytd only) | 15.4566% | 88 |
| Net charge-offs to loans | 0.5389% | 3,636 |
| Credit loss provision to net charge-offs | 140.8613% | 3,448 |
| Earnings coverage of net charge-offs (x) | 12.5809% | 1,495 |
| Efficiency ratio | 45.8471% | 7,721 |
| Assets per employee ($millions) | 7.9346% | 531 |
| Cash dividends to net income (ytd only)* | 40.7056% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5849% | 3,341 |
| Loan loss allowance to noncurrent loans | 569.9620% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 7,218 |
| Noncurrent loans to loans | 0.2781% | 6,734 |
| Net loans and leases to total assets | 38.4624% | 7,431 |
| Net loans and leases to deposits | 41.3724% | 7,586 |
| Net loans and leases to core deposits | 46.1780% | 7,664 |
| Total domestic deposits to total assets | 92.9665% | 132 |
| Equity capital to assets | 6.6013% | 7,538 |
| Core capital (leverage) ratio | 6.4500% | 7,508 |
| Tier 1 risk-based capital ratio | 12.5321% | 4,496 |
| Total risk-based capital ratio | 13.7822% | 4,438 |
| Memoranda: | ||
| Average total assets | $456,299,800 | 1,514 |
| Average earning assets | $428,603,400 | 1,480 |
| Average equity | $28,272,800 | 2,350 |
| Average total loans | $176,651,800 | 2,553 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2302% | 5,759 |
| Cost of funding earning assets | 1.1727% | 6,962 |
| Net interest margin | 4.0574% | 2,559 |
| Noninterest income to average assets | 1.0560% | 1,427 |
| Noninterest expense to average assets | 2.2407% | 6,871 |
| Loan and lease loss provision to assets | 0.2653% | 4,840 |
| Net operating income to assets | 1.6313% | 628 |
| Return on assets (ROA) | 1.6313% | 675 |
| Pretax return on assets | 2.3615% | 253 |
| Return on Equity (ROE) | 26.7993% | 90 |
| Retained earnings to average equity (ytd only) | 26.7993% | 25 |
| Net charge-offs to loans | 0.3796% | 3,752 |
| Credit loss provision to net charge-offs | 180.9717% | 2,528 |
| Earnings coverage of net charge-offs (x) | 17.9211% | 1,376 |
| Efficiency ratio | 46.0347% | 7,768 |
| Assets per employee ($millions) | 7.7089% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6194% | 2,916 |
| Loan loss allowance to noncurrent loans | 371.8171% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 7,105 |
| Noncurrent loans to loans | 0.4355% | 6,463 |
| Net loans and leases to total assets | 38.8610% | 7,515 |
| Net loans and leases to deposits | 42.6761% | 7,656 |
| Net loans and leases to core deposits | 48.0877% | 7,725 |
| Total domestic deposits to total assets | 91.0604% | 395 |
| Equity capital to assets | 6.8811% | 7,646 |
| Core capital (leverage) ratio | 7.0029% | 7,438 |
| Tier 1 risk-based capital ratio | 13.2470% | 4,021 |
| Total risk-based capital ratio | 14.4977% | 3,965 |
| Memoranda: | ||
| Average total assets | $449,372,250 | 1,555 |
| Average earning assets | $422,131,000 | 1,511 |
| Average equity | $27,353,250 | 2,449 |
| Average total loans | $173,524,750 | 2,618 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3188% | 5,563 |
| Cost of funding earning assets | 1.2714% | 6,893 |
| Net interest margin | 4.0473% | 2,517 |
| Noninterest income to average assets | 1.0601% | 1,410 |
| Noninterest expense to average assets | 2.2987% | 6,761 |
| Loan and lease loss provision to assets | 0.2966% | 4,189 |
| Net operating income to assets | 1.5723% | 724 |
| Return on assets (ROA) | 1.5723% | 781 |
| Pretax return on assets | 2.2581% | 317 |
| Return on Equity (ROE) | 27.0820% | 103 |
| Retained earnings to average equity (ytd only) | 27.0820% | 38 |
| Net charge-offs to loans | 0.1995% | 4,289 |
| Credit loss provision to net charge-offs | 388.1657% | 1,196 |
| Earnings coverage of net charge-offs (x) | 33.4379% | 926 |
| Efficiency ratio | 47.3640% | 7,791 |
| Assets per employee ($millions) | 7.4238% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7541% | 2,168 |
| Loan loss allowance to noncurrent loans | 167.8416% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 6,431 |
| Noncurrent loans to loans | 1.0451% | 5,127 |
| Net loans and leases to total assets | 38.9168% | 7,601 |
| Net loans and leases to deposits | 41.9142% | 7,758 |
| Net loans and leases to core deposits | 47.6562% | 7,805 |
| Total domestic deposits to total assets | 92.8487% | 107 |
| Equity capital to assets | 6.7973% | 7,710 |
| Core capital (leverage) ratio | 6.5904% | 7,751 |
| Tier 1 risk-based capital ratio | 13.3775% | 3,880 |
| Total risk-based capital ratio | 14.6299% | 3,819 |
| Memoranda: | ||
| Average total assets | $442,415,330 | 1,599 |
| Average earning assets | $414,645,670 | 1,567 |
| Average equity | $25,685,000 | 2,584 |
| Average total loans | $169,450,000 | 2,689 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3134% | 5,840 |
| Cost of funding earning assets | 1.4025% | 6,726 |
| Net interest margin | 3.9108% | 3,005 |
| Noninterest income to average assets | 1.0533% | 1,335 |
| Noninterest expense to average assets | 2.1628% | 6,973 |
| Loan and lease loss provision to assets | 0.1506% | 4,999 |
| Net operating income to assets | 1.6566% | 705 |
| Return on assets (ROA) | 1.6566% | 777 |
| Pretax return on assets | 2.3978% | 303 |
| Return on Equity (ROE) | 31.2284% | 92 |
| Retained earnings to average equity (ytd only) | 31.2284% | 50 |
| Net charge-offs to loans | 0.2410% | 3,197 |
| Credit loss provision to net charge-offs | 166.0000% | 2,578 |
| Earnings coverage of net charge-offs (x) | 28.0900% | 1,114 |
| Efficiency ratio | 45.9080% | 7,846 |
| Assets per employee ($millions) | 7.4951% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5988% | 2,524 |
| Loan loss allowance to noncurrent loans | 420.4403% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 7,140 |
| Noncurrent loans to loans | 0.3803% | 6,467 |
| Net loans and leases to total assets | 37.2180% | 7,689 |
| Net loans and leases to deposits | 39.6457% | 7,845 |
| Net loans and leases to core deposits | 45.0830% | 7,886 |
| Total domestic deposits to total assets | 93.8766% | 43 |
| Equity capital to assets | 5.6973% | 8,039 |
| Core capital (leverage) ratio | 6.3958% | 7,915 |
| Tier 1 risk-based capital ratio | 12.7862% | 4,332 |
| Total risk-based capital ratio | 13.9906% | 4,274 |
| Memoranda: | ||
| Average total assets | $440,909,500 | 1,610 |
| Average earning assets | $412,395,000 | 1,577 |
| Average equity | $23,389,000 | 2,832 |
| Average total loans | $165,954,500 | 2,754 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8279% | 6,340 |
| Cost of funding earning assets | 1.9175% | 6,680 |
| Net interest margin | 3.9104% | 3,512 |
| Noninterest income to average assets | 1.1862% | 1,084 |
| Noninterest expense to average assets | 2.1554% | 7,103 |
| Loan and lease loss provision to assets | 0.3056% | 3,929 |
| Net operating income to assets | 1.6179% | 812 |
| Return on assets (ROA) | 1.6668% | 688 |
| Pretax return on assets | 2.4387% | 227 |
| Return on Equity (ROE) | 29.0021% | 73 |
| Retained earnings to average equity (ytd only) | 15.9096% | 73 |
| Net charge-offs to loans | 0.0986% | 5,334 |
| Credit loss provision to net charge-offs | 844.9664% | 523 |
| Earnings coverage of net charge-offs (x) | 73.8926% | 552 |
| Efficiency ratio | 44.6456% | 7,984 |
| Assets per employee ($millions) | 7.5795% | 548 |
| Cash dividends to net income (ytd only)* | 45.1434% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 2,312 |
| Loan loss allowance to noncurrent loans | 442.7844% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1620% | 6,921 |
| Noncurrent loans to loans | 0.3577% | 6,296 |
| Net loans and leases to total assets | 36.8612% | 7,801 |
| Net loans and leases to deposits | 42.4857% | 7,885 |
| Net loans and leases to core deposits | 46.6600% | 7,951 |
| Total domestic deposits to total assets | 86.7615% | 2,060 |
| Equity capital to assets | 4.9098% | 8,201 |
| Core capital (leverage) ratio | 6.0832% | 8,051 |
| Tier 1 risk-based capital ratio | 12.2772% | 4,603 |
| Total risk-based capital ratio | 13.5275% | 4,490 |
| Memoranda: | ||
| Average total assets | $411,990,000 | 1,652 |
| Average earning assets | $383,670,000 | 1,624 |
| Average equity | $23,677,600 | 2,768 |
| Average total loans | $151,069,400 | 2,907 |