Home > FirstBank of Douglas County > Performance and Condition Ratios
FirstBank of Douglas County, 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 | 4.8105% | 5,613 |
| Cost of funding earning assets | 0.5798% | 7,325 |
| Net interest margin | 4.2306% | 2,106 |
| Noninterest income to average assets | 0.9943% | 1,479 |
| Noninterest expense to average assets | 2.1865% | 6,643 |
| Loan and lease loss provision to assets | 0.2090% | 4,975 |
| Net operating income to assets | 1.8613% | 441 |
| Return on assets (ROA) | 1.8034% | 544 |
| Pretax return on assets | 2.5275% | 215 |
| Return on Equity (ROE) | 19.9613% | 307 |
| Retained earnings to average equity (ytd only) | 13.3633% | 314 |
| Net charge-offs to loans | 0.5937% | 2,961 |
| Credit loss provision to net charge-offs | 101.9380% | 4,225 |
| Earnings coverage of net charge-offs (x) | 13.7423% | 1,559 |
| Efficiency ratio | 43.6909% | 7,474 |
| Assets per employee ($millions) | 8.4074% | 434 |
| Cash dividends to net income (ytd only)* | 33.0542% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 3,353 |
| Loan loss allowance to noncurrent loans | 111.8161% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 1.0176% | 5,059 |
| Noncurrent loans to loans | 1.4695% | 4,422 |
| Net loans and leases to total assets | 34.1921% | 7,339 |
| Net loans and leases to deposits | 38.1254% | 7,417 |
| Net loans and leases to core deposits | 40.1398% | 7,422 |
| Total domestic deposits to total assets | 89.6832% | 1,025 |
| Equity capital to assets | 9.6305% | 4,651 |
| Core capital (leverage) ratio | 7.9283% | 6,433 |
| Tier 1 risk-based capital ratio | 18.3271% | 1,928 |
| Total risk-based capital ratio | 19.5785% | 1,884 |
| Memoranda: | ||
| Average total assets | $335,498,750 | 1,972 |
| Average earning assets | $318,020,750 | 1,899 |
| Average equity | $30,311,250 | 2,176 |
| Average total loans | $115,875,000 | 3,452 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9360% | 5,244 |
| Cost of funding earning assets | 0.6059% | 7,395 |
| Net interest margin | 4.3301% | 1,673 |
| Noninterest income to average assets | 1.0273% | 1,289 |
| Noninterest expense to average assets | 2.1513% | 6,760 |
| Loan and lease loss provision to assets | 0.2363% | 4,551 |
| Net operating income to assets | 1.9590% | 353 |
| Return on assets (ROA) | 1.8721% | 466 |
| Pretax return on assets | 2.6233% | 195 |
| Return on Equity (ROE) | 21.1889% | 248 |
| Retained earnings to average equity (ytd only) | 11.0603% | 643 |
| Net charge-offs to loans | 0.6007% | 2,726 |
| Credit loss provision to net charge-offs | 114.1210% | 3,569 |
| Earnings coverage of net charge-offs (x) | 14.4035% | 1,525 |
| Efficiency ratio | 41.9107% | 7,595 |
| Assets per employee ($millions) | 8.1045% | 483 |
| Cash dividends to net income (ytd only)* | 47.8011% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 3,151 |
| Loan loss allowance to noncurrent loans | 299.3893% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 5,891 |
| Noncurrent loans to loans | 0.5611% | 6,127 |
| Net loans and leases to total assets | 34.5389% | 7,400 |
| Net loans and leases to deposits | 38.3313% | 7,487 |
| Net loans and leases to core deposits | 39.7676% | 7,491 |
| Total domestic deposits to total assets | 90.1063% | 870 |
| Equity capital to assets | 9.2749% | 5,039 |
| Core capital (leverage) ratio | 7.4494% | 6,872 |
| Tier 1 risk-based capital ratio | 17.3649% | 2,148 |
| Total risk-based capital ratio | 18.6168% | 2,107 |
| Memoranda: | ||
| Average total assets | $335,232,670 | 1,986 |
| Average earning assets | $317,870,670 | 1,911 |
| Average equity | $29,619,330 | 2,214 |
| Average total loans | $115,530,670 | 3,495 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9040% | 5,448 |
| Cost of funding earning assets | 0.6183% | 7,510 |
| Net interest margin | 4.2856% | 1,728 |
| Noninterest income to average assets | 0.9836% | 1,353 |
| Noninterest expense to average assets | 2.0908% | 6,967 |
| Loan and lease loss provision to assets | 0.2816% | 3,778 |
| Net operating income to assets | 1.9181% | 402 |
| Return on assets (ROA) | 1.7428% | 611 |
| Pretax return on assets | 2.4353% | 278 |
| Return on Equity (ROE) | 20.2209% | 369 |
| Retained earnings to average equity (ytd only) | -0.4549% | 5,935 |
| Net charge-offs to loans | 0.3063% | 3,191 |
| Credit loss provision to net charge-offs | 269.3182% | 1,471 |
| Earnings coverage of net charge-offs (x) | 28.3182% | 910 |
| Efficiency ratio | 41.3923% | 7,696 |
| Assets per employee ($millions) | 8.1675% | 485 |
| Cash dividends to net income (ytd only)* | 102.2495% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7513% | 2,893 |
| Loan loss allowance to noncurrent loans | 126.6134% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.7037% | 5,763 |
| Noncurrent loans to loans | 1.3832% | 4,661 |
| Net loans and leases to total assets | 33.6888% | 7,504 |
| Net loans and leases to deposits | 37.7862% | 7,586 |
| Net loans and leases to core deposits | 39.2004% | 7,593 |
| Total domestic deposits to total assets | 89.1563% | 1,435 |
| Equity capital to assets | 8.4256% | 6,116 |
| Core capital (leverage) ratio | 7.0505% | 7,218 |
| Tier 1 risk-based capital ratio | 15.8003% | 2,727 |
| Total risk-based capital ratio | 17.0525% | 2,669 |
| Memoranda: | ||
| Average total assets | $336,707,500 | 2,032 |
| Average earning assets | $319,579,000 | 1,952 |
| Average equity | $29,019,500 | 2,289 |
| Average total loans | $114,932,000 | 3,572 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4793% | 4,259 |
| Cost of funding earning assets | 1.0197% | 7,172 |
| Net interest margin | 4.4596% | 1,272 |
| Noninterest income to average assets | 1.0613% | 1,370 |
| Noninterest expense to average assets | 2.2548% | 6,859 |
| Loan and lease loss provision to assets | 0.4858% | 3,941 |
| Net operating income to assets | 1.8509% | 323 |
| Return on assets (ROA) | 1.8271% | 346 |
| Pretax return on assets | 2.5332% | 153 |
| Return on Equity (ROE) | 21.3460% | 186 |
| Retained earnings to average equity (ytd only) | 6.6912% | 1,076 |
| Net charge-offs to loans | 0.8120% | 2,797 |
| Credit loss provision to net charge-offs | 181.2785% | 2,283 |
| Earnings coverage of net charge-offs (x) | 11.3881% | 1,591 |
| Efficiency ratio | 42.4882% | 7,811 |
| Assets per employee ($millions) | 8.0580% | 498 |
| Cash dividends to net income (ytd only)* | 68.6537% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7026% | 2,887 |
| Loan loss allowance to noncurrent loans | 76.2874% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.7582% | 5,591 |
| Noncurrent loans to loans | 2.2318% | 3,360 |
| Net loans and leases to total assets | 33.3945% | 7,615 |
| Net loans and leases to deposits | 36.8283% | 7,708 |
| Net loans and leases to core deposits | 41.2960% | 7,741 |
| Total domestic deposits to total assets | 90.6761% | 668 |
| Equity capital to assets | 8.8190% | 5,401 |
| Core capital (leverage) ratio | 7.1817% | 7,087 |
| Tier 1 risk-based capital ratio | 17.0002% | 2,146 |
| Total risk-based capital ratio | 18.2527% | 2,115 |
| Memoranda: | ||
| Average total assets | $326,859,600 | 2,073 |
| Average earning assets | $311,173,200 | 1,997 |
| Average equity | $27,977,200 | 2,373 |
| Average total loans | $107,887,200 | 3,741 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6033% | 3,846 |
| Cost of funding earning assets | 1.0938% | 7,187 |
| Net interest margin | 4.5095% | 1,170 |
| Noninterest income to average assets | 1.0626% | 1,405 |
| Noninterest expense to average assets | 2.2606% | 6,810 |
| Loan and lease loss provision to assets | 0.4638% | 3,588 |
| Net operating income to assets | 1.8842% | 369 |
| Return on assets (ROA) | 1.8524% | 422 |
| Pretax return on assets | 2.5907% | 167 |
| Return on Equity (ROE) | 21.8096% | 209 |
| Retained earnings to average equity (ytd only) | 4.4736% | 2,774 |
| Net charge-offs to loans | 1.0474% | 1,886 |
| Credit loss provision to net charge-offs | 135.1609% | 3,671 |
| Earnings coverage of net charge-offs (x) | 9.0298% | 2,160 |
| Efficiency ratio | 42.1812% | 7,884 |
| Assets per employee ($millions) | 7.7235% | 572 |
| Cash dividends to net income (ytd only)* | 79.4877% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 4,071 |
| Loan loss allowance to noncurrent loans | 2,873.0769% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 7,550 |
| Noncurrent loans to loans | 0.0480% | 7,385 |
| Net loans and leases to total assets | 32.9385% | 7,717 |
| Net loans and leases to deposits | 36.4049% | 7,810 |
| Net loans and leases to core deposits | 40.8294% | 7,843 |
| Total domestic deposits to total assets | 90.4783% | 598 |
| Equity capital to assets | 8.9011% | 5,631 |
| Core capital (leverage) ratio | 7.0064% | 7,431 |
| Tier 1 risk-based capital ratio | 16.5977% | 2,394 |
| Total risk-based capital ratio | 17.7521% | 2,380 |
| Memoranda: | ||
| Average total assets | $325,980,000 | 2,094 |
| Average earning assets | $310,594,000 | 2,021 |
| Average equity | $27,687,500 | 2,414 |
| Average total loans | $106,799,250 | 3,799 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7067% | 3,501 |
| Cost of funding earning assets | 1.1802% | 7,164 |
| Net interest margin | 4.5265% | 1,103 |
| Noninterest income to average assets | 1.0462% | 1,442 |
| Noninterest expense to average assets | 2.2768% | 6,829 |
| Loan and lease loss provision to assets | 0.4974% | 3,051 |
| Net operating income to assets | 1.8535% | 409 |
| Return on assets (ROA) | 1.8535% | 444 |
| Pretax return on assets | 2.5855% | 176 |
| Return on Equity (ROE) | 22.1750% | 230 |
| Retained earnings to average equity (ytd only) | 4.9538% | 2,538 |
| Net charge-offs to loans | 1.2852% | 1,442 |
| Credit loss provision to net charge-offs | 118.8873% | 3,910 |
| Earnings coverage of net charge-offs (x) | 7.3690% | 2,450 |
| Efficiency ratio | 42.4800% | 7,966 |
| Assets per employee ($millions) | 7.4385% | 633 |
| Cash dividends to net income (ytd only)* | 77.6603% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 4,872 |
| Loan loss allowance to noncurrent loans | 147.7197% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 6,772 |
| Noncurrent loans to loans | 0.8184% | 5,588 |
| Net loans and leases to total assets | 33.9280% | 7,776 |
| Net loans and leases to deposits | 37.7050% | 7,867 |
| Net loans and leases to core deposits | 42.0923% | 7,907 |
| Total domestic deposits to total assets | 89.9827% | 840 |
| Equity capital to assets | 8.7639% | 5,657 |
| Core capital (leverage) ratio | 6.8254% | 7,642 |
| Tier 1 risk-based capital ratio | 16.2349% | 2,539 |
| Total risk-based capital ratio | 17.2537% | 2,564 |
| Memoranda: | ||
| Average total assets | $326,511,330 | 2,115 |
| Average earning assets | $311,143,330 | 2,046 |
| Average equity | $27,292,000 | 2,447 |
| Average total loans | $106,285,000 | 3,848 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7178% | 3,700 |
| Cost of funding earning assets | 1.3143% | 6,980 |
| Net interest margin | 4.4035% | 1,333 |
| Noninterest income to average assets | 1.0296% | 1,408 |
| Noninterest expense to average assets | 2.1550% | 6,994 |
| Loan and lease loss provision to assets | 0.2947% | 3,589 |
| Net operating income to assets | 1.9622% | 375 |
| Return on assets (ROA) | 1.9622% | 426 |
| Pretax return on assets | 2.7771% | 158 |
| Return on Equity (ROE) | 24.0398% | 215 |
| Retained earnings to average equity (ytd only) | 1.7532% | 4,873 |
| Net charge-offs to loans | 0.0574% | 4,665 |
| Credit loss provision to net charge-offs | 1,620.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 168.8667% | 256 |
| Efficiency ratio | 41.2297% | 8,015 |
| Assets per employee ($millions) | 8.0715% | 492 |
| Cash dividends to net income (ytd only)* | 92.7070% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 3,904 |
| Loan loss allowance to noncurrent loans | 99.5816% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.4333% | 6,204 |
| Noncurrent loans to loans | 1.3381% | 4,309 |
| Net loans and leases to total assets | 31.9527% | 7,868 |
| Net loans and leases to deposits | 36.1949% | 7,938 |
| Net loans and leases to core deposits | 40.7701% | 7,966 |
| Total domestic deposits to total assets | 88.2794% | 1,588 |
| Equity capital to assets | 8.2552% | 6,458 |
| Core capital (leverage) ratio | 6.5106% | 7,873 |
| Tier 1 risk-based capital ratio | 15.6142% | 2,809 |
| Total risk-based capital ratio | 16.7004% | 2,806 |
| Memoranda: | ||
| Average total assets | $329,838,500 | 2,115 |
| Average earning assets | $314,387,000 | 2,036 |
| Average equity | $26,922,000 | 2,498 |
| Average total loans | $104,503,000 | 3,920 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7897% | 6,463 |
| Cost of funding earning assets | 1.8441% | 6,884 |
| Net interest margin | 3.9456% | 3,384 |
| Noninterest income to average assets | 1.2645% | 920 |
| Noninterest expense to average assets | 2.1283% | 7,163 |
| Loan and lease loss provision to assets | 0.1491% | 5,449 |
| Net operating income to assets | 1.9562% | 392 |
| Return on assets (ROA) | 1.8482% | 478 |
| Pretax return on assets | 2.5807% | 164 |
| Return on Equity (ROE) | 23.5072% | 193 |
| Retained earnings to average equity (ytd only) | 10.5998% | 375 |
| Net charge-offs to loans | 0.1062% | 5,231 |
| Credit loss provision to net charge-offs | 485.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 93.6500% | 454 |
| Efficiency ratio | 42.4966% | 8,059 |
| Assets per employee ($millions) | 7.8273% | 488 |
| Cash dividends to net income (ytd only)* | 54.9085% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 4,719 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 30.6123% | 7,974 |
| Net loans and leases to deposits | 36.7988% | 8,002 |
| Net loans and leases to core deposits | 41.0948% | 8,033 |
| Total domestic deposits to total assets | 83.1883% | 3,691 |
| Equity capital to assets | 8.0685% | 6,750 |
| Core capital (leverage) ratio | 6.5637% | 7,908 |
| Tier 1 risk-based capital ratio | 16.0559% | 2,645 |
| Total risk-based capital ratio | 16.9957% | 2,698 |
| Memoranda: | ||
| Average total assets | $325,188,000 | 2,055 |
| Average earning assets | $308,545,600 | 1,975 |
| Average equity | $25,566,600 | 2,596 |
| Average total loans | $94,141,000 | 4,103 |