Home > FirstBank of Denver > Performance and Condition Ratios
FirstBank of Denver, 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 | 5.6002% | 2,058 |
| Cost of funding earning assets | 0.5792% | 7,329 |
| Net interest margin | 5.0210% | 420 |
| Noninterest income to average assets | 0.9597% | 1,586 |
| Noninterest expense to average assets | 2.8121% | 4,434 |
| Loan and lease loss provision to assets | 0.3547% | 3,777 |
| Net operating income to assets | 1.7889% | 523 |
| Return on assets (ROA) | 1.1868% | 1,727 |
| Pretax return on assets | 1.6782% | 1,158 |
| Return on Equity (ROE) | 12.4184% | 1,402 |
| Retained earnings to average equity (ytd only) | 12.4184% | 413 |
| Net charge-offs to loans | 0.8767% | 2,252 |
| Credit loss provision to net charge-offs | 60.8270% | 5,669 |
| Earnings coverage of net charge-offs (x) | 4.9407% | 2,890 |
| Efficiency ratio | 49.3954% | 7,190 |
| Assets per employee ($millions) | 7.5233% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9031% | 2,477 |
| Loan loss allowance to noncurrent loans | 206.1927% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 1.3546% | 4,458 |
| Noncurrent loans to loans | 0.9230% | 5,395 |
| Net loans and leases to total assets | 65.9949% | 3,692 |
| Net loans and leases to deposits | 74.3720% | 4,446 |
| Net loans and leases to core deposits | 76.3325% | 5,015 |
| Total domestic deposits to total assets | 88.7362% | 1,540 |
| Equity capital to assets | 10.1487% | 3,951 |
| Core capital (leverage) ratio | 9.7045% | 3,617 |
| Tier 1 risk-based capital ratio | 14.7544% | 3,367 |
| Total risk-based capital ratio | 16.0130% | 3,345 |
| Memoranda: | ||
| Average total assets | $420,272,750 | 1,603 |
| Average earning assets | $396,190,250 | 1,553 |
| Average equity | $40,165,250 | 1,659 |
| Average total loans | $279,537,500 | 1,624 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6120% | 2,093 |
| Cost of funding earning assets | 0.6115% | 7,380 |
| Net interest margin | 5.0006% | 418 |
| Noninterest income to average assets | 0.9316% | 1,575 |
| Noninterest expense to average assets | 2.6986% | 4,913 |
| Loan and lease loss provision to assets | 0.3820% | 3,424 |
| Net operating income to assets | 1.8790% | 421 |
| Return on assets (ROA) | 0.9497% | 2,456 |
| Pretax return on assets | 1.2988% | 2,090 |
| Return on Equity (ROE) | 10.1472% | 2,048 |
| Retained earnings to average equity (ytd only) | 10.1472% | 815 |
| Net charge-offs to loans | 0.2918% | 3,869 |
| Credit loss provision to net charge-offs | 197.5369% | 1,998 |
| Earnings coverage of net charge-offs (x) | 15.2759% | 1,463 |
| Efficiency ratio | 47.7418% | 7,360 |
| Assets per employee ($millions) | 7.1578% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3110% | 1,562 |
| Loan loss allowance to noncurrent loans | 161.4984% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 1.1901% | 4,760 |
| Noncurrent loans to loans | 1.4310% | 4,562 |
| Net loans and leases to total assets | 64.0767% | 4,249 |
| Net loans and leases to deposits | 72.4212% | 4,924 |
| Net loans and leases to core deposits | 74.5640% | 5,381 |
| Total domestic deposits to total assets | 88.4778% | 1,745 |
| Equity capital to assets | 9.4666% | 4,754 |
| Core capital (leverage) ratio | 9.3804% | 3,992 |
| Tier 1 risk-based capital ratio | 14.2958% | 3,545 |
| Total risk-based capital ratio | 15.5596% | 3,511 |
| Memoranda: | ||
| Average total assets | $419,929,000 | 1,623 |
| Average earning assets | $396,433,670 | 1,563 |
| Average equity | $39,301,330 | 1,690 |
| Average total loans | $278,239,000 | 1,646 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6597% | 1,921 |
| Cost of funding earning assets | 0.6241% | 7,506 |
| Net interest margin | 5.0356% | 386 |
| Noninterest income to average assets | 1.0300% | 1,203 |
| Noninterest expense to average assets | 2.7218% | 4,805 |
| Loan and lease loss provision to assets | 0.1609% | 4,918 |
| Net operating income to assets | 2.9251% | 99 |
| Return on assets (ROA) | 0.3497% | 5,201 |
| Pretax return on assets | 0.3218% | 5,545 |
| Return on Equity (ROE) | 3.7593% | 5,006 |
| Retained earnings to average equity (ytd only) | 3.7593% | 3,896 |
| Net charge-offs to loans | 0.2271% | 3,559 |
| Credit loss provision to net charge-offs | 106.3694% | 3,233 |
| Earnings coverage of net charge-offs (x) | 20.2166% | 1,167 |
| Efficiency ratio | 47.0912% | 7,497 |
| Assets per employee ($millions) | 7.2883% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2047% | 1,742 |
| Loan loss allowance to noncurrent loans | 95.7324% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 1.8289% | 3,735 |
| Noncurrent loans to loans | 2.3030% | 3,382 |
| Net loans and leases to total assets | 64.2603% | 4,274 |
| Net loans and leases to deposits | 70.8934% | 5,216 |
| Net loans and leases to core deposits | 72.9676% | 5,611 |
| Total domestic deposits to total assets | 90.6435% | 677 |
| Equity capital to assets | 9.1772% | 5,020 |
| Core capital (leverage) ratio | 9.3481% | 3,976 |
| Tier 1 risk-based capital ratio | 13.9070% | 3,720 |
| Total risk-based capital ratio | 15.1693% | 3,670 |
| Memoranda: | ||
| Average total assets | $415,159,500 | 1,682 |
| Average earning assets | $391,613,500 | 1,620 |
| Average equity | $38,624,000 | 1,740 |
| Average total loans | $276,509,000 | 1,701 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0435% | 1,700 |
| Cost of funding earning assets | 0.9668% | 7,269 |
| Net interest margin | 5.0767% | 388 |
| Noninterest income to average assets | 1.0475% | 1,414 |
| Noninterest expense to average assets | 2.7261% | 5,268 |
| Loan and lease loss provision to assets | 0.8143% | 2,692 |
| Net operating income to assets | 1.5930% | 559 |
| Return on assets (ROA) | 1.5930% | 593 |
| Pretax return on assets | 2.3187% | 217 |
| Return on Equity (ROE) | 17.6202% | 396 |
| Retained earnings to average equity (ytd only) | 12.1945% | 194 |
| Net charge-offs to loans | 0.7552% | 2,934 |
| Credit loss provision to net charge-offs | 158.3214% | 2,837 |
| Earnings coverage of net charge-offs (x) | 6.0916% | 2,437 |
| Efficiency ratio | 46.5277% | 7,691 |
| Assets per employee ($millions) | 6.7933% | 868 |
| Cash dividends to net income (ytd only)* | 30.7929% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2212% | 1,609 |
| Loan loss allowance to noncurrent loans | 75.7809% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 2.2952% | 3,013 |
| Noncurrent loans to loans | 2.9311% | 2,630 |
| Net loans and leases to total assets | 66.0303% | 4,138 |
| Net loans and leases to deposits | 73.1029% | 5,177 |
| Net loans and leases to core deposits | 80.1036% | 6,090 |
| Total domestic deposits to total assets | 90.3252% | 823 |
| Equity capital to assets | 9.4343% | 4,508 |
| Core capital (leverage) ratio | 9.5146% | 3,697 |
| Tier 1 risk-based capital ratio | 13.6477% | 3,722 |
| Total risk-based capital ratio | 14.9099% | 3,650 |
| Memoranda: | ||
| Average total assets | $407,732,000 | 1,685 |
| Average earning assets | $386,432,600 | 1,627 |
| Average equity | $36,861,000 | 1,824 |
| Average total loans | $277,677,600 | 1,737 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1153% | 1,593 |
| Cost of funding earning assets | 1.0275% | 7,329 |
| Net interest margin | 5.0878% | 376 |
| Noninterest income to average assets | 0.9852% | 1,658 |
| Noninterest expense to average assets | 2.7064% | 5,296 |
| Loan and lease loss provision to assets | 0.5431% | 3,222 |
| Net operating income to assets | 1.7402% | 521 |
| Return on assets (ROA) | 1.7402% | 548 |
| Pretax return on assets | 2.5687% | 174 |
| Return on Equity (ROE) | 19.4605% | 341 |
| Retained earnings to average equity (ytd only) | 19.4605% | 73 |
| Net charge-offs to loans | 0.6348% | 2,781 |
| Credit loss provision to net charge-offs | 125.3585% | 4,015 |
| Earnings coverage of net charge-offs (x) | 7.1827% | 2,457 |
| Efficiency ratio | 46.5157% | 7,745 |
| Assets per employee ($millions) | 6.6469% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9001% | 2,032 |
| Loan loss allowance to noncurrent loans | 165.4004% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.8962% | 5,284 |
| Noncurrent loans to loans | 1.1488% | 5,023 |
| Net loans and leases to total assets | 67.6394% | 4,039 |
| Net loans and leases to deposits | 75.3407% | 5,148 |
| Net loans and leases to core deposits | 82.8331% | 6,133 |
| Total domestic deposits to total assets | 89.7780% | 854 |
| Equity capital to assets | 9.8474% | 4,287 |
| Core capital (leverage) ratio | 9.6675% | 3,693 |
| Tier 1 risk-based capital ratio | 14.5227% | 3,268 |
| Total risk-based capital ratio | 15.7821% | 3,206 |
| Memoranda: | ||
| Average total assets | $407,766,000 | 1,702 |
| Average earning assets | $387,347,000 | 1,646 |
| Average equity | $36,462,750 | 1,866 |
| Average total loans | $278,284,250 | 1,753 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1479% | 1,625 |
| Cost of funding earning assets | 1.1060% | 7,365 |
| Net interest margin | 5.0418% | 390 |
| Noninterest income to average assets | 1.0069% | 1,573 |
| Noninterest expense to average assets | 2.6990% | 5,388 |
| Loan and lease loss provision to assets | 0.7421% | 2,206 |
| Net operating income to assets | 1.6049% | 673 |
| Return on assets (ROA) | 1.6049% | 738 |
| Pretax return on assets | 2.3513% | 277 |
| Return on Equity (ROE) | 18.5554% | 444 |
| Retained earnings to average equity (ytd only) | 18.5554% | 98 |
| Net charge-offs to loans | 0.7760% | 2,127 |
| Credit loss provision to net charge-offs | 140.5904% | 3,318 |
| Earnings coverage of net charge-offs (x) | 5.8607% | 2,743 |
| Efficiency ratio | 46.5955% | 7,827 |
| Assets per employee ($millions) | 7.0781% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9656% | 1,645 |
| Loan loss allowance to noncurrent loans | 220.0165% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.6173% | 5,876 |
| Noncurrent loans to loans | 0.8934% | 5,426 |
| Net loans and leases to total assets | 67.0799% | 4,341 |
| Net loans and leases to deposits | 75.2317% | 5,286 |
| Net loans and leases to core deposits | 82.0676% | 6,235 |
| Total domestic deposits to total assets | 89.1645% | 1,189 |
| Equity capital to assets | 9.4227% | 4,714 |
| Core capital (leverage) ratio | 9.1748% | 4,344 |
| Tier 1 risk-based capital ratio | 13.7586% | 3,649 |
| Total risk-based capital ratio | 15.0182% | 3,579 |
| Memoranda: | ||
| Average total assets | $410,749,670 | 1,710 |
| Average earning assets | $389,859,670 | 1,665 |
| Average equity | $35,526,000 | 1,913 |
| Average total loans | $279,385,330 | 1,778 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1555% | 1,740 |
| Cost of funding earning assets | 1.2458% | 7,183 |
| Net interest margin | 4.9097% | 491 |
| Noninterest income to average assets | 0.9657% | 1,588 |
| Noninterest expense to average assets | 2.5956% | 5,469 |
| Loan and lease loss provision to assets | 0.5178% | 2,394 |
| Net operating income to assets | 1.6979% | 648 |
| Return on assets (ROA) | 1.6979% | 714 |
| Pretax return on assets | 2.5104% | 257 |
| Return on Equity (ROE) | 20.5001% | 391 |
| Retained earnings to average equity (ytd only) | 20.5001% | 153 |
| Net charge-offs to loans | 0.1976% | 3,455 |
| Credit loss provision to net charge-offs | 386.4286% | 1,336 |
| Earnings coverage of net charge-offs (x) | 22.6000% | 1,310 |
| Efficiency ratio | 46.1538% | 7,838 |
| Assets per employee ($millions) | 6.5717% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9219% | 1,574 |
| Loan loss allowance to noncurrent loans | 222.0311% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 5,721 |
| Noncurrent loans to loans | 0.8656% | 5,285 |
| Net loans and leases to total assets | 66.2697% | 4,523 |
| Net loans and leases to deposits | 73.8266% | 5,500 |
| Net loans and leases to core deposits | 80.2019% | 6,367 |
| Total domestic deposits to total assets | 89.7641% | 902 |
| Equity capital to assets | 8.7167% | 5,740 |
| Core capital (leverage) ratio | 8.3700% | 5,771 |
| Tier 1 risk-based capital ratio | 12.6946% | 4,395 |
| Total risk-based capital ratio | 13.9534% | 4,308 |
| Memoranda: | ||
| Average total assets | $417,938,500 | 1,706 |
| Average earning assets | $396,524,500 | 1,644 |
| Average equity | $34,614,500 | 1,967 |
| Average total loans | $283,469,500 | 1,756 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3416% | 3,723 |
| Cost of funding earning assets | 1.9241% | 6,663 |
| Net interest margin | 4.4176% | 1,632 |
| Noninterest income to average assets | 0.9780% | 1,660 |
| Noninterest expense to average assets | 2.3671% | 6,512 |
| Loan and lease loss provision to assets | 0.5478% | 2,628 |
| Net operating income to assets | 1.4567% | 1,111 |
| Return on assets (ROA) | 1.4962% | 987 |
| Pretax return on assets | 2.3297% | 283 |
| Return on Equity (ROE) | 21.0832% | 298 |
| Retained earnings to average equity (ytd only) | 21.0832% | 25 |
| Net charge-offs to loans | 0.0663% | 5,826 |
| Credit loss provision to net charge-offs | 1,270.9677% | 360 |
| Earnings coverage of net charge-offs (x) | 65.3280% | 618 |
| Efficiency ratio | 45.6696% | 7,944 |
| Assets per employee ($millions) | 7.1405% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6768% | 1,975 |
| Loan loss allowance to noncurrent loans | 264.8971% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4309% | 5,923 |
| Noncurrent loans to loans | 0.6330% | 5,478 |
| Net loans and leases to total assets | 66.9290% | 4,652 |
| Net loans and leases to deposits | 79.5775% | 5,118 |
| Net loans and leases to core deposits | 85.4340% | 6,175 |
| Total domestic deposits to total assets | 84.1055% | 3,271 |
| Equity capital to assets | 7.8690% | 7,014 |
| Core capital (leverage) ratio | 7.6766% | 6,970 |
| Tier 1 risk-based capital ratio | 11.1422% | 5,605 |
| Total risk-based capital ratio | 12.3974% | 5,482 |
| Memoranda: | ||
| Average total assets | $431,507,400 | 1,584 |
| Average earning assets | $410,745,400 | 1,523 |
| Average equity | $30,621,600 | 2,204 |
| Average total loans | $280,448,400 | 1,720 |