Home > FirstBank of Colorado Springs > Performance and Condition Ratios
FirstBank of Colorado Springs, 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 | 5.1051% | 4,292 |
| Cost of funding earning assets | 0.6524% | 7,174 |
| Net interest margin | 4.4527% | 1,366 |
| Noninterest income to average assets | 1.2207% | 934 |
| Noninterest expense to average assets | 3.0911% | 3,372 |
| Loan and lease loss provision to assets | 0.4563% | 3,195 |
| Net operating income to assets | 1.3804% | 1,147 |
| Return on assets (ROA) | 1.3804% | 1,229 |
| Pretax return on assets | 1.8549% | 839 |
| Return on Equity (ROE) | 18.7329% | 411 |
| Retained earnings to average equity (ytd only) | -2.3050% | 6,255 |
| Net charge-offs to loans | 0.8990% | 2,201 |
| Credit loss provision to net charge-offs | 102.4206% | 4,201 |
| Earnings coverage of net charge-offs (x) | 5.1876% | 2,822 |
| Efficiency ratio | 57.2177% | 6,387 |
| Assets per employee ($millions) | 5.3582% | 1,758 |
| Cash dividends to net income (ytd only)* | 112.3046% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0731% | 2,063 |
| Loan loss allowance to noncurrent loans | 201.3699% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 5,870 |
| Noncurrent loans to loans | 1.0295% | 5,183 |
| Net loans and leases to total assets | 49.0338% | 6,431 |
| Net loans and leases to deposits | 53.3066% | 6,814 |
| Net loans and leases to core deposits | 53.8427% | 6,963 |
| Total domestic deposits to total assets | 91.9846% | 197 |
| Equity capital to assets | 7.4434% | 7,155 |
| Core capital (leverage) ratio | 7.1047% | 7,111 |
| Tier 1 risk-based capital ratio | 13.2204% | 4,406 |
| Total risk-based capital ratio | 14.4795% | 4,378 |
| Memoranda: | ||
| Average total assets | $197,812,250 | 3,171 |
| Average earning assets | $185,770,000 | 3,100 |
| Average equity | $14,576,500 | 4,081 |
| Average total loans | $98,032,750 | 3,915 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1336% | 4,279 |
| Cost of funding earning assets | 0.6812% | 7,230 |
| Net interest margin | 4.4524% | 1,311 |
| Noninterest income to average assets | 1.1504% | 974 |
| Noninterest expense to average assets | 3.0142% | 3,660 |
| Loan and lease loss provision to assets | 0.4472% | 3,085 |
| Net operating income to assets | 1.3882% | 1,115 |
| Return on assets (ROA) | 1.3882% | 1,180 |
| Pretax return on assets | 1.8688% | 783 |
| Return on Equity (ROE) | 18.9028% | 394 |
| Retained earnings to average equity (ytd only) | -8.6523% | 6,848 |
| Net charge-offs to loans | 0.3524% | 3,588 |
| Credit loss provision to net charge-offs | 256.9767% | 1,482 |
| Earnings coverage of net charge-offs (x) | 13.3081% | 1,599 |
| Efficiency ratio | 56.5490% | 6,569 |
| Assets per employee ($millions) | 5.0545% | 2,115 |
| Cash dividends to net income (ytd only)* | 145.7726% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3608% | 1,489 |
| Loan loss allowance to noncurrent loans | 443.5701% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.5890% | 6,017 |
| Noncurrent loans to loans | 0.5322% | 6,189 |
| Net loans and leases to total assets | 48.4875% | 6,593 |
| Net loans and leases to deposits | 52.5829% | 6,940 |
| Net loans and leases to core deposits | 53.2016% | 7,077 |
| Total domestic deposits to total assets | 92.2115% | 191 |
| Equity capital to assets | 7.2335% | 7,259 |
| Core capital (leverage) ratio | 7.0357% | 7,169 |
| Tier 1 risk-based capital ratio | 12.8336% | 4,579 |
| Total risk-based capital ratio | 14.0955% | 4,527 |
| Memoranda: | ||
| Average total assets | $197,664,670 | 3,196 |
| Average earning assets | $185,563,000 | 3,125 |
| Average equity | $14,516,330 | 4,083 |
| Average total loans | $97,620,330 | 3,974 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1465% | 4,314 |
| Cost of funding earning assets | 0.7091% | 7,314 |
| Net interest margin | 4.4374% | 1,277 |
| Noninterest income to average assets | 1.0044% | 1,292 |
| Noninterest expense to average assets | 2.9464% | 3,872 |
| Loan and lease loss provision to assets | -0.2748% | 7,887 |
| Net operating income to assets | 1.7844% | 513 |
| Return on assets (ROA) | 1.7844% | 561 |
| Pretax return on assets | 2.5059% | 251 |
| Return on Equity (ROE) | 24.1174% | 184 |
| Retained earnings to average equity (ytd only) | -3.1956% | 6,393 |
| Net charge-offs to loans | 0.2954% | 3,233 |
| Credit loss provision to net charge-offs | -188.8889% | 6,122 |
| Earnings coverage of net charge-offs (x) | 15.3333% | 1,388 |
| Efficiency ratio | 56.9087% | 6,642 |
| Assets per employee ($millions) | 5.2763% | 1,885 |
| Cash dividends to net income (ytd only)* | 113.2503% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8771% | 2,511 |
| Loan loss allowance to noncurrent loans | 203.2151% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.7018% | 5,768 |
| Noncurrent loans to loans | 0.9237% | 5,468 |
| Net loans and leases to total assets | 49.0823% | 6,566 |
| Net loans and leases to deposits | 53.4018% | 6,957 |
| Net loans and leases to core deposits | 53.9621% | 7,108 |
| Total domestic deposits to total assets | 91.9113% | 260 |
| Equity capital to assets | 7.4807% | 7,086 |
| Core capital (leverage) ratio | 7.2165% | 7,099 |
| Tier 1 risk-based capital ratio | 13.2354% | 4,181 |
| Total risk-based capital ratio | 14.4914% | 4,125 |
| Memoranda: | ||
| Average total assets | $197,934,500 | 3,245 |
| Average earning assets | $186,145,500 | 3,175 |
| Average equity | $14,645,000 | 4,086 |
| Average total loans | $97,484,500 | 4,037 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5761% | 3,723 |
| Cost of funding earning assets | 1.0959% | 6,993 |
| Net interest margin | 4.4802% | 1,216 |
| Noninterest income to average assets | 1.2007% | 1,070 |
| Noninterest expense to average assets | 3.1537% | 3,532 |
| Loan and lease loss provision to assets | 0.4184% | 4,309 |
| Net operating income to assets | 1.3969% | 857 |
| Return on assets (ROA) | 1.3969% | 914 |
| Pretax return on assets | 1.8598% | 560 |
| Return on Equity (ROE) | 19.5013% | 269 |
| Retained earnings to average equity (ytd only) | 15.8872% | 79 |
| Net charge-offs to loans | 0.4143% | 4,154 |
| Credit loss provision to net charge-offs | 206.1224% | 1,866 |
| Earnings coverage of net charge-offs (x) | 11.2245% | 1,610 |
| Efficiency ratio | 58.0593% | 6,752 |
| Assets per employee ($millions) | 5.1448% | 2,029 |
| Cash dividends to net income (ytd only)* | 18.5322% | 3,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0983% | 1,829 |
| Loan loss allowance to noncurrent loans | 144.0056% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.7067% | 5,697 |
| Noncurrent loans to loans | 1.4571% | 4,486 |
| Net loans and leases to total assets | 47.4836% | 6,846 |
| Net loans and leases to deposits | 51.5000% | 7,171 |
| Net loans and leases to core deposits | 56.7874% | 7,378 |
| Total domestic deposits to total assets | 92.2012% | 227 |
| Equity capital to assets | 7.3194% | 7,183 |
| Core capital (leverage) ratio | 7.2106% | 7,060 |
| Tier 1 risk-based capital ratio | 13.3348% | 3,923 |
| Total risk-based capital ratio | 14.5935% | 3,863 |
| Memoranda: | ||
| Average total assets | $193,139,400 | 3,257 |
| Average earning assets | $182,403,200 | 3,192 |
| Average equity | $13,835,000 | 4,306 |
| Average total loans | $94,609,400 | 4,093 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6978% | 3,348 |
| Cost of funding earning assets | 1.1671% | 6,983 |
| Net interest margin | 4.5306% | 1,121 |
| Noninterest income to average assets | 1.1955% | 1,083 |
| Noninterest expense to average assets | 3.1293% | 3,538 |
| Loan and lease loss provision to assets | 0.3597% | 4,164 |
| Net operating income to assets | 1.4730% | 868 |
| Return on assets (ROA) | 1.4730% | 931 |
| Pretax return on assets | 1.9874% | 553 |
| Return on Equity (ROE) | 20.6813% | 279 |
| Retained earnings to average equity (ytd only) | 20.6813% | 55 |
| Net charge-offs to loans | 0.2427% | 4,533 |
| Credit loss provision to net charge-offs | 301.7544% | 1,360 |
| Earnings coverage of net charge-offs (x) | 19.6904% | 1,273 |
| Efficiency ratio | 57.1410% | 6,853 |
| Assets per employee ($millions) | 5.1813% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0218% | 1,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 48.5118% | 6,910 |
| Net loans and leases to deposits | 52.6701% | 7,275 |
| Net loans and leases to core deposits | 58.0590% | 7,462 |
| Total domestic deposits to total assets | 92.1052% | 158 |
| Equity capital to assets | 7.5012% | 7,294 |
| Core capital (leverage) ratio | 7.3396% | 7,148 |
| Tier 1 risk-based capital ratio | 13.4100% | 3,919 |
| Total risk-based capital ratio | 14.6683% | 3,848 |
| Memoranda: | ||
| Average total assets | $191,262,750 | 3,299 |
| Average earning assets | $180,721,000 | 3,226 |
| Average equity | $13,622,250 | 4,386 |
| Average total loans | $93,932,750 | 4,147 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8403% | 2,846 |
| Cost of funding earning assets | 1.2601% | 6,927 |
| Net interest margin | 4.5802% | 999 |
| Noninterest income to average assets | 1.1754% | 1,128 |
| Noninterest expense to average assets | 3.1861% | 3,370 |
| Loan and lease loss provision to assets | 0.2534% | 4,546 |
| Net operating income to assets | 1.5260% | 793 |
| Return on assets (ROA) | 1.5260% | 848 |
| Pretax return on assets | 2.0656% | 471 |
| Return on Equity (ROE) | 21.8278% | 245 |
| Retained earnings to average equity (ytd only) | 21.8278% | 62 |
| Net charge-offs to loans | 0.1811% | 4,439 |
| Credit loss provision to net charge-offs | 285.7143% | 1,635 |
| Earnings coverage of net charge-offs (x) | 26.1429% | 1,095 |
| Efficiency ratio | 57.8745% | 6,881 |
| Assets per employee ($millions) | 4.9541% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8974% | 1,800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 47.6862% | 7,057 |
| Net loans and leases to deposits | 51.6446% | 7,401 |
| Net loans and leases to core deposits | 56.6619% | 7,569 |
| Total domestic deposits to total assets | 92.3352% | 165 |
| Equity capital to assets | 7.2983% | 7,414 |
| Core capital (leverage) ratio | 7.0568% | 7,495 |
| Tier 1 risk-based capital ratio | 13.2733% | 3,955 |
| Total risk-based capital ratio | 14.5295% | 3,871 |
| Memoranda: | ||
| Average total assets | $189,387,670 | 3,343 |
| Average earning assets | $179,032,670 | 3,273 |
| Average equity | $13,240,000 | 4,480 |
| Average total loans | $92,748,670 | 4,212 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8964% | 2,817 |
| Cost of funding earning assets | 1.4085% | 6,701 |
| Net interest margin | 4.4879% | 1,153 |
| Noninterest income to average assets | 1.1777% | 1,058 |
| Noninterest expense to average assets | 3.1705% | 3,110 |
| Loan and lease loss provision to assets | 0.4182% | 2,831 |
| Net operating income to assets | 1.3804% | 1,181 |
| Return on assets (ROA) | 1.3804% | 1,274 |
| Pretax return on assets | 1.8242% | 935 |
| Return on Equity (ROE) | 20.2038% | 408 |
| Retained earnings to average equity (ytd only) | 20.2038% | 158 |
| Net charge-offs to loans | 0.0564% | 4,680 |
| Credit loss provision to net charge-offs | 1,507.6923% | 403 |
| Earnings coverage of net charge-offs (x) | 80.8462% | 518 |
| Efficiency ratio | 58.5731% | 6,612 |
| Assets per employee ($millions) | 4.7674% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9553% | 1,514 |
| Loan loss allowance to noncurrent loans | 270.9581% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 6,296 |
| Noncurrent loans to loans | 0.7216% | 5,614 |
| Net loans and leases to total assets | 47.5928% | 7,056 |
| Net loans and leases to deposits | 51.6163% | 7,427 |
| Net loans and leases to core deposits | 56.9538% | 7,567 |
| Total domestic deposits to total assets | 92.2048% | 156 |
| Equity capital to assets | 6.9184% | 7,714 |
| Core capital (leverage) ratio | 6.8574% | 7,722 |
| Tier 1 risk-based capital ratio | 12.4375% | 4,583 |
| Total risk-based capital ratio | 13.6942% | 4,504 |
| Memoranda: | ||
| Average total assets | $187,477,000 | 3,391 |
| Average earning assets | $176,920,500 | 3,322 |
| Average equity | $12,809,500 | 4,626 |
| Average total loans | $92,165,000 | 4,256 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1477% | 4,787 |
| Cost of funding earning assets | 2.0841% | 6,116 |
| Net interest margin | 4.0635% | 2,857 |
| Noninterest income to average assets | 1.2741% | 908 |
| Noninterest expense to average assets | 3.1189% | 3,621 |
| Loan and lease loss provision to assets | 0.4666% | 2,966 |
| Net operating income to assets | 1.1778% | 1,846 |
| Return on assets (ROA) | 1.1860% | 1,748 |
| Pretax return on assets | 1.5318% | 1,591 |
| Return on Equity (ROE) | 19.2247% | 436 |
| Retained earnings to average equity (ytd only) | 19.2247% | 41 |
| Net charge-offs to loans | 0.0642% | 5,856 |
| Credit loss provision to net charge-offs | 1,524.5614% | 286 |
| Earnings coverage of net charge-offs (x) | 64.9474% | 625 |
| Efficiency ratio | 61.0766% | 6,146 |
| Assets per employee ($millions) | 4.7246% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7720% | 1,699 |
| Loan loss allowance to noncurrent loans | 328.4848% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 6,326 |
| Noncurrent loans to loans | 0.5394% | 5,745 |
| Net loans and leases to total assets | 48.9186% | 7,108 |
| Net loans and leases to deposits | 54.7499% | 7,395 |
| Net loans and leases to core deposits | 59.8380% | 7,590 |
| Total domestic deposits to total assets | 89.3492% | 898 |
| Equity capital to assets | 6.7438% | 7,858 |
| Core capital (leverage) ratio | 6.3170% | 7,985 |
| Tier 1 risk-based capital ratio | 12.0565% | 4,777 |
| Total risk-based capital ratio | 13.3113% | 4,657 |
| Memoranda: | ||
| Average total assets | $186,251,800 | 3,321 |
| Average earning assets | $175,660,400 | 3,250 |
| Average equity | $11,490,400 | 4,971 |
| Average total loans | $88,821,200 | 4,262 |