Home > Firstbank of El Paso County > Performance and Condition Ratios
Firstbank of El Paso 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 | 5.6705% | 1,808 |
| Cost of funding earning assets | 0.7237% | 7,000 |
| Net interest margin | 4.9469% | 495 |
| Noninterest income to average assets | 1.6396% | 522 |
| Noninterest expense to average assets | 3.8217% | 1,339 |
| Loan and lease loss provision to assets | 0.6235% | 2,438 |
| Net operating income to assets | 1.2175% | 1,542 |
| Return on assets (ROA) | 1.2175% | 1,620 |
| Pretax return on assets | 1.6118% | 1,324 |
| Return on Equity (ROE) | 15.2233% | 823 |
| Retained earnings to average equity (ytd only) | 6.7952% | 1,947 |
| Net charge-offs to loans | 0.1108% | 5,430 |
| Credit loss provision to net charge-offs | 1,104.4776% | 268 |
| Earnings coverage of net charge-offs (x) | 39.5974% | 687 |
| Efficiency ratio | 63.0964% | 5,418 |
| Assets per employee ($millions) | 3.6893% | 4,531 |
| Cash dividends to net income (ytd only)* | 55.3633% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1762% | 1,845 |
| Loan loss allowance to noncurrent loans | 931.6327% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 6,603 |
| Noncurrent loans to loans | 0.2336% | 6,708 |
| Net loans and leases to total assets | 51.7401% | 6,131 |
| Net loans and leases to deposits | 56.7969% | 6,559 |
| Net loans and leases to core deposits | 57.6259% | 6,754 |
| Total domestic deposits to total assets | 91.0968% | 411 |
| Equity capital to assets | 8.1733% | 6,639 |
| Core capital (leverage) ratio | 8.0666% | 6,250 |
| Tier 1 risk-based capital ratio | 15.0751% | 3,217 |
| Total risk-based capital ratio | 16.3371% | 3,200 |
| Memoranda: | ||
| Average total assets | $158,249,750 | 3,794 |
| Average earning assets | $141,311,750 | 3,848 |
| Average equity | $12,655,750 | 4,511 |
| Average total loans | $80,655,750 | 4,396 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6829% | 1,825 |
| Cost of funding earning assets | 0.7564% | 7,047 |
| Net interest margin | 4.9265% | 504 |
| Noninterest income to average assets | 1.5899% | 514 |
| Noninterest expense to average assets | 3.7883% | 1,377 |
| Loan and lease loss provision to assets | 0.5401% | 2,621 |
| Net operating income to assets | 1.2472% | 1,432 |
| Return on assets (ROA) | 1.2472% | 1,495 |
| Pretax return on assets | 1.6608% | 1,142 |
| Return on Equity (ROE) | 15.7102% | 735 |
| Retained earnings to average equity (ytd only) | 10.9302% | 672 |
| Net charge-offs to loans | 0.1005% | 5,139 |
| Credit loss provision to net charge-offs | 1,067.5000% | 355 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 677 |
| Efficiency ratio | 63.2524% | 5,475 |
| Assets per employee ($millions) | 3.6235% | 4,654 |
| Cash dividends to net income (ytd only)* | 30.4260% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8991% | 2,413 |
| Loan loss allowance to noncurrent loans | 770.0000% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 6,681 |
| Noncurrent loans to loans | 0.2466% | 6,737 |
| Net loans and leases to total assets | 51.0551% | 6,298 |
| Net loans and leases to deposits | 56.3322% | 6,699 |
| Net loans and leases to core deposits | 57.1719% | 6,880 |
| Total domestic deposits to total assets | 90.6322% | 627 |
| Equity capital to assets | 8.2524% | 6,478 |
| Core capital (leverage) ratio | 8.0544% | 6,192 |
| Tier 1 risk-based capital ratio | 15.2602% | 3,033 |
| Total risk-based capital ratio | 16.5178% | 2,983 |
| Memoranda: | ||
| Average total assets | $158,120,000 | 3,828 |
| Average earning assets | $141,194,670 | 3,880 |
| Average equity | $12,552,330 | 4,537 |
| Average total loans | $79,572,330 | 4,456 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6520% | 1,951 |
| Cost of funding earning assets | 0.7841% | 7,140 |
| Net interest margin | 4.8679% | 563 |
| Noninterest income to average assets | 1.5545% | 509 |
| Noninterest expense to average assets | 3.6365% | 1,649 |
| Loan and lease loss provision to assets | 0.9267% | 1,368 |
| Net operating income to assets | 1.0498% | 2,004 |
| Return on assets (ROA) | 1.0498% | 2,065 |
| Pretax return on assets | 1.3411% | 1,931 |
| Return on Equity (ROE) | 13.4844% | 1,155 |
| Retained earnings to average equity (ytd only) | 13.4844% | 561 |
| Net charge-offs to loans | 0.0863% | 4,559 |
| Credit loss provision to net charge-offs | 2,170.5882% | 237 |
| Earnings coverage of net charge-offs (x) | 53.1176% | 547 |
| Efficiency ratio | 61.5908% | 5,899 |
| Assets per employee ($millions) | 3.7004% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8535% | 2,566 |
| Loan loss allowance to noncurrent loans | 737.7451% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 6,669 |
| Noncurrent loans to loans | 0.2512% | 6,837 |
| Net loans and leases to total assets | 50.0833% | 6,458 |
| Net loans and leases to deposits | 55.7088% | 6,797 |
| Net loans and leases to core deposits | 56.4263% | 6,970 |
| Total domestic deposits to total assets | 89.9019% | 1,040 |
| Equity capital to assets | 7.9274% | 6,730 |
| Core capital (leverage) ratio | 7.8787% | 6,403 |
| Tier 1 risk-based capital ratio | 14.7365% | 3,237 |
| Total risk-based capital ratio | 15.9927% | 3,197 |
| Memoranda: | ||
| Average total assets | $159,275,000 | 3,856 |
| Average earning assets | $142,321,000 | 3,909 |
| Average equity | $12,399,500 | 4,618 |
| Average total loans | $78,814,000 | 4,547 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8697% | 2,374 |
| Cost of funding earning assets | 1.1843% | 6,713 |
| Net interest margin | 4.6854% | 857 |
| Noninterest income to average assets | 1.6997% | 505 |
| Noninterest expense to average assets | 3.8966% | 1,512 |
| Loan and lease loss provision to assets | 0.2474% | 5,414 |
| Net operating income to assets | 1.3273% | 979 |
| Return on assets (ROA) | 1.3273% | 1,024 |
| Pretax return on assets | 1.7628% | 684 |
| Return on Equity (ROE) | 19.1692% | 292 |
| Retained earnings to average equity (ytd only) | 19.1692% | 41 |
| Net charge-offs to loans | 0.1294% | 5,900 |
| Credit loss provision to net charge-offs | 412.7660% | 764 |
| Earnings coverage of net charge-offs (x) | 33.5426% | 696 |
| Efficiency ratio | 65.9687% | 5,399 |
| Assets per employee ($millions) | 3.7077% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 3,675 |
| Loan loss allowance to noncurrent loans | 549.0476% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.3268% | 6,622 |
| Noncurrent loans to loans | 0.2748% | 6,743 |
| Net loans and leases to total assets | 47.2167% | 6,880 |
| Net loans and leases to deposits | 51.4985% | 7,172 |
| Net loans and leases to core deposits | 57.7299% | 7,350 |
| Total domestic deposits to total assets | 91.6854% | 332 |
| Equity capital to assets | 7.6428% | 6,903 |
| Core capital (leverage) ratio | 7.7634% | 6,493 |
| Tier 1 risk-based capital ratio | 14.4665% | 3,231 |
| Total risk-based capital ratio | 15.7186% | 3,181 |
| Memoranda: | ||
| Average total assets | $156,855,400 | 3,837 |
| Average earning assets | $140,843,000 | 3,886 |
| Average equity | $10,861,200 | 5,058 |
| Average total loans | $72,641,600 | 4,773 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9441% | 2,257 |
| Cost of funding earning assets | 1.2619% | 6,678 |
| Net interest margin | 4.6822% | 862 |
| Noninterest income to average assets | 1.6977% | 511 |
| Noninterest expense to average assets | 3.8758% | 1,468 |
| Loan and lease loss provision to assets | 0.2672% | 4,826 |
| Net operating income to assets | 1.3213% | 1,173 |
| Return on assets (ROA) | 1.3213% | 1,240 |
| Pretax return on assets | 1.7634% | 864 |
| Return on Equity (ROE) | 19.6002% | 334 |
| Retained earnings to average equity (ytd only) | 19.6002% | 72 |
| Net charge-offs to loans | 0.1246% | 5,449 |
| Credit loss provision to net charge-offs | 467.1642% | 836 |
| Earnings coverage of net charge-offs (x) | 35.5079% | 822 |
| Efficiency ratio | 65.6214% | 5,438 |
| Assets per employee ($millions) | 3.5849% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 3,405 |
| Loan loss allowance to noncurrent loans | 1,189.2473% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 6,851 |
| Noncurrent loans to loans | 0.1266% | 7,165 |
| Net loans and leases to total assets | 46.9455% | 7,040 |
| Net loans and leases to deposits | 52.8798% | 7,268 |
| Net loans and leases to core deposits | 59.7171% | 7,411 |
| Total domestic deposits to total assets | 88.7779% | 1,299 |
| Equity capital to assets | 7.6730% | 7,171 |
| Core capital (leverage) ratio | 7.3244% | 7,166 |
| Tier 1 risk-based capital ratio | 14.3512% | 3,358 |
| Total risk-based capital ratio | 15.6037% | 3,295 |
| Memoranda: | ||
| Average total assets | $156,211,500 | 3,871 |
| Average earning assets | $140,415,250 | 3,920 |
| Average equity | $10,530,250 | 5,188 |
| Average total loans | $71,694,250 | 4,852 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9543% | 2,365 |
| Cost of funding earning assets | 1.3378% | 6,686 |
| Net interest margin | 4.6165% | 926 |
| Noninterest income to average assets | 1.7145% | 498 |
| Noninterest expense to average assets | 3.9822% | 1,341 |
| Loan and lease loss provision to assets | 0.4207% | 3,437 |
| Net operating income to assets | 1.1396% | 1,631 |
| Return on assets (ROA) | 1.1396% | 1,716 |
| Pretax return on assets | 1.4595% | 1,563 |
| Return on Equity (ROE) | 17.7071% | 514 |
| Retained earnings to average equity (ytd only) | 17.7071% | 112 |
| Net charge-offs to loans | 0.1153% | 5,005 |
| Credit loss provision to net charge-offs | 804.8780% | 589 |
| Earnings coverage of net charge-offs (x) | 35.9756% | 884 |
| Efficiency ratio | 67.9278% | 5,162 |
| Assets per employee ($millions) | 3.5232% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5237% | 3,072 |
| Loan loss allowance to noncurrent loans | 786.9863% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 6,646 |
| Noncurrent loans to loans | 0.1936% | 7,032 |
| Net loans and leases to total assets | 46.8381% | 7,138 |
| Net loans and leases to deposits | 54.3000% | 7,255 |
| Net loans and leases to core deposits | 61.3560% | 7,398 |
| Total domestic deposits to total assets | 86.2579% | 2,649 |
| Equity capital to assets | 6.7679% | 7,723 |
| Core capital (leverage) ratio | 6.8346% | 7,640 |
| Tier 1 risk-based capital ratio | 13.0511% | 4,108 |
| Total risk-based capital ratio | 14.3029% | 4,029 |
| Memoranda: | ||
| Average total assets | $156,898,330 | 3,878 |
| Average earning assets | $140,973,000 | 3,925 |
| Average equity | $10,097,670 | 5,335 |
| Average total loans | $71,101,330 | 4,916 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9454% | 2,582 |
| Cost of funding earning assets | 1.4806% | 6,466 |
| Net interest margin | 4.4648% | 1,202 |
| Noninterest income to average assets | 1.6710% | 487 |
| Noninterest expense to average assets | 3.8135% | 1,448 |
| Loan and lease loss provision to assets | 0.3716% | 3,097 |
| Net operating income to assets | 1.1610% | 1,770 |
| Return on assets (ROA) | 1.1610% | 1,889 |
| Pretax return on assets | 1.4890% | 1,699 |
| Return on Equity (ROE) | 18.5248% | 549 |
| Retained earnings to average equity (ytd only) | 18.5248% | 218 |
| Net charge-offs to loans | 0.1450% | 3,804 |
| Credit loss provision to net charge-offs | 580.0000% | 976 |
| Earnings coverage of net charge-offs (x) | 29.0400% | 1,083 |
| Efficiency ratio | 67.2087% | 5,102 |
| Assets per employee ($millions) | 3.3937% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 3,481 |
| Loan loss allowance to noncurrent loans | 286.0058% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.4631% | 6,097 |
| Noncurrent loans to loans | 0.4907% | 6,200 |
| Net loans and leases to total assets | 44.1474% | 7,324 |
| Net loans and leases to deposits | 51.5390% | 7,433 |
| Net loans and leases to core deposits | 57.3446% | 7,550 |
| Total domestic deposits to total assets | 85.6583% | 2,894 |
| Equity capital to assets | 6.4627% | 7,885 |
| Core capital (leverage) ratio | 6.6364% | 7,825 |
| Tier 1 risk-based capital ratio | 12.9202% | 4,232 |
| Total risk-based capital ratio | 14.1737% | 4,160 |
| Memoranda: | ||
| Average total assets | $156,076,500 | 3,898 |
| Average earning assets | $139,940,500 | 3,956 |
| Average equity | $9,781,500 | 5,455 |
| Average total loans | $68,948,500 | 5,016 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0596% | 5,250 |
| Cost of funding earning assets | 2.1839% | 5,667 |
| Net interest margin | 3.8757% | 3,676 |
| Noninterest income to average assets | 1.8216% | 408 |
| Noninterest expense to average assets | 3.7357% | 1,883 |
| Loan and lease loss provision to assets | 0.3175% | 3,838 |
| Net operating income to assets | 1.0000% | 2,561 |
| Return on assets (ROA) | 1.0360% | 2,303 |
| Pretax return on assets | 1.2994% | 2,315 |
| Return on Equity (ROE) | 17.5992% | 569 |
| Retained earnings to average equity (ytd only) | 17.5992% | 52 |
| Net charge-offs to loans | 0.3575% | 3,045 |
| Credit loss provision to net charge-offs | 222.3744% | 2,146 |
| Earnings coverage of net charge-offs (x) | 11.0091% | 2,428 |
| Efficiency ratio | 70.3845% | 4,272 |
| Assets per employee ($millions) | 3.6289% | 4,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 4,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 6,543 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 43.0250% | 7,530 |
| Net loans and leases to deposits | 52.9217% | 7,492 |
| Net loans and leases to core deposits | 57.7473% | 7,677 |
| Total domestic deposits to total assets | 81.2993% | 4,512 |
| Equity capital to assets | 6.0714% | 8,050 |
| Core capital (leverage) ratio | 6.3808% | 7,971 |
| Tier 1 risk-based capital ratio | 12.3612% | 4,541 |
| Total risk-based capital ratio | 13.4629% | 4,546 |
| Memoranda: | ||
| Average total assets | $153,383,400 | 3,837 |
| Average earning assets | $137,963,200 | 3,891 |
| Average equity | $9,028,800 | 5,733 |
| Average total loans | $61,258,800 | 5,210 |