Home > FirstBank of Lakewood > Performance and Condition Ratios
FirstBank of Lakewood, 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 | 4.5668% | 6,423 |
| Cost of funding earning assets | 0.6904% | 7,091 |
| Net interest margin | 3.8764% | 3,633 |
| Noninterest income to average assets | 0.9312% | 1,682 |
| Noninterest expense to average assets | 2.1337% | 6,773 |
| Loan and lease loss provision to assets | 0.1552% | 5,489 |
| Net operating income to assets | 1.5946% | 755 |
| Return on assets (ROA) | 1.5446% | 920 |
| Pretax return on assets | 2.2034% | 406 |
| Return on Equity (ROE) | 21.3798% | 230 |
| Retained earnings to average equity (ytd only) | 3.1804% | 4,200 |
| Net charge-offs to loans | 0.1003% | 5,522 |
| Credit loss provision to net charge-offs | 476.7677% | 624 |
| Earnings coverage of net charge-offs (x) | 74.6648% | 405 |
| Efficiency ratio | 46.7550% | 7,351 |
| Assets per employee ($millions) | 7.9991% | 510 |
| Cash dividends to net income (ytd only)* | 85.1244% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7713% | 2,889 |
| Loan loss allowance to noncurrent loans | 69.4535% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.2744% | 4,595 |
| Noncurrent loans to loans | 2.5503% | 3,072 |
| Net loans and leases to total assets | 32.5986% | 7,391 |
| Net loans and leases to deposits | 35.8117% | 7,477 |
| Net loans and leases to core deposits | 36.9162% | 7,483 |
| Total domestic deposits to total assets | 91.0277% | 443 |
| Equity capital to assets | 7.7924% | 6,933 |
| Core capital (leverage) ratio | 6.7735% | 7,262 |
| Tier 1 risk-based capital ratio | 14.2136% | 3,686 |
| Total risk-based capital ratio | 15.4638% | 3,652 |
| Memoranda: | ||
| Average total assets | $405,612,750 | 1,657 |
| Average earning assets | $380,065,500 | 1,604 |
| Average equity | $29,304,250 | 2,254 |
| Average total loans | $131,601,500 | 3,148 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5745% | 6,530 |
| Cost of funding earning assets | 0.7128% | 7,164 |
| Net interest margin | 3.8617% | 3,628 |
| Noninterest income to average assets | 0.9526% | 1,510 |
| Noninterest expense to average assets | 2.0933% | 6,923 |
| Loan and lease loss provision to assets | 0.0982% | 5,927 |
| Net operating income to assets | 1.6664% | 625 |
| Return on assets (ROA) | 1.6299% | 732 |
| Pretax return on assets | 2.3387% | 311 |
| Return on Equity (ROE) | 23.1560% | 168 |
| Retained earnings to average equity (ytd only) | 2.2382% | 4,730 |
| Net charge-offs to loans | 0.0488% | 5,702 |
| Credit loss provision to net charge-offs | 625.0000% | 582 |
| Earnings coverage of net charge-offs (x) | 158.4688% | 220 |
| Efficiency ratio | 45.6834% | 7,455 |
| Assets per employee ($millions) | 8.0815% | 488 |
| Cash dividends to net income (ytd only)* | 90.3342% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 3,471 |
| Loan loss allowance to noncurrent loans | 1,324.0741% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 7,295 |
| Noncurrent loans to loans | 0.1204% | 7,029 |
| Net loans and leases to total assets | 32.7542% | 7,460 |
| Net loans and leases to deposits | 35.7081% | 7,538 |
| Net loans and leases to core deposits | 36.7694% | 7,552 |
| Total domestic deposits to total assets | 91.7277% | 283 |
| Equity capital to assets | 7.3435% | 7,199 |
| Core capital (leverage) ratio | 6.5686% | 7,362 |
| Tier 1 risk-based capital ratio | 13.9561% | 3,763 |
| Total risk-based capital ratio | 15.1120% | 3,793 |
| Memoranda: | ||
| Average total assets | $407,499,330 | 1,664 |
| Average earning assets | $382,995,000 | 1,617 |
| Average equity | $28,683,670 | 2,287 |
| Average total loans | $131,225,330 | 3,178 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5112% | 6,770 |
| Cost of funding earning assets | 0.7328% | 7,262 |
| Net interest margin | 3.7784% | 3,879 |
| Noninterest income to average assets | 0.9403% | 1,484 |
| Noninterest expense to average assets | 2.0498% | 7,062 |
| Loan and lease loss provision to assets | -0.0117% | 7,839 |
| Net operating income to assets | 1.7070% | 609 |
| Return on assets (ROA) | 1.6598% | 720 |
| Pretax return on assets | 2.3831% | 299 |
| Return on Equity (ROE) | 24.0945% | 187 |
| Retained earnings to average equity (ytd only) | 2.8096% | 4,448 |
| Net charge-offs to loans | 0.0617% | 4,800 |
| Credit loss provision to net charge-offs | -60.0000% | 6,022 |
| Earnings coverage of net charge-offs (x) | 124.7500% | 264 |
| Efficiency ratio | 45.6664% | 7,563 |
| Assets per employee ($millions) | 8.2262% | 472 |
| Cash dividends to net income (ytd only)* | 88.3392% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 3,948 |
| Loan loss allowance to noncurrent loans | 972.5000% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 7,367 |
| Noncurrent loans to loans | 0.1534% | 7,031 |
| Net loans and leases to total assets | 31.2260% | 7,589 |
| Net loans and leases to deposits | 34.4105% | 7,648 |
| Net loans and leases to core deposits | 35.4013% | 7,662 |
| Total domestic deposits to total assets | 90.7454% | 635 |
| Equity capital to assets | 6.9300% | 7,403 |
| Core capital (leverage) ratio | 6.5881% | 7,434 |
| Tier 1 risk-based capital ratio | 13.7876% | 3,806 |
| Total risk-based capital ratio | 14.8287% | 3,904 |
| Memoranda: | ||
| Average total assets | $409,212,500 | 1,703 |
| Average earning assets | $384,290,500 | 1,652 |
| Average equity | $28,189,000 | 2,360 |
| Average total loans | $129,590,000 | 3,266 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1306% | 5,956 |
| Cost of funding earning assets | 1.1663% | 6,776 |
| Net interest margin | 3.9644% | 3,007 |
| Noninterest income to average assets | 1.0526% | 1,402 |
| Noninterest expense to average assets | 2.2432% | 6,886 |
| Loan and lease loss provision to assets | 0.1821% | 5,879 |
| Net operating income to assets | 1.6940% | 449 |
| Return on assets (ROA) | 1.6053% | 577 |
| Pretax return on assets | 2.2327% | 255 |
| Return on Equity (ROE) | 24.4795% | 100 |
| Retained earnings to average equity (ytd only) | 12.6411% | 174 |
| Net charge-offs to loans | 0.1682% | 5,608 |
| Credit loss provision to net charge-offs | 314.5455% | 1,039 |
| Earnings coverage of net charge-offs (x) | 43.8364% | 569 |
| Efficiency ratio | 46.9177% | 7,668 |
| Assets per employee ($millions) | 7.9826% | 518 |
| Cash dividends to net income (ytd only)* | 48.3607% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 3,551 |
| Loan loss allowance to noncurrent loans | 2,567.5325% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 7,479 |
| Noncurrent loans to loans | 0.0598% | 7,273 |
| Net loans and leases to total assets | 31.1515% | 7,684 |
| Net loans and leases to deposits | 33.7090% | 7,766 |
| Net loans and leases to core deposits | 38.1185% | 7,790 |
| Total domestic deposits to total assets | 92.4129% | 197 |
| Equity capital to assets | 6.8467% | 7,446 |
| Core capital (leverage) ratio | 6.5551% | 7,464 |
| Tier 1 risk-based capital ratio | 13.7667% | 3,647 |
| Total risk-based capital ratio | 14.8312% | 3,717 |
| Memoranda: | ||
| Average total assets | $379,994,400 | 1,797 |
| Average earning assets | $357,382,000 | 1,754 |
| Average equity | $24,918,800 | 2,618 |
| Average total loans | $130,798,000 | 3,255 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2633% | 5,612 |
| Cost of funding earning assets | 1.2508% | 6,722 |
| Net interest margin | 4.0125% | 2,753 |
| Noninterest income to average assets | 1.0721% | 1,381 |
| Noninterest expense to average assets | 2.2750% | 6,766 |
| Loan and lease loss provision to assets | 0.1618% | 5,735 |
| Net operating income to assets | 1.7409% | 519 |
| Return on assets (ROA) | 1.6215% | 689 |
| Pretax return on assets | 2.2492% | 317 |
| Return on Equity (ROE) | 25.0283% | 107 |
| Retained earnings to average equity (ytd only) | 8.7618% | 903 |
| Net charge-offs to loans | 0.1767% | 4,988 |
| Credit loss provision to net charge-offs | 260.3448% | 1,641 |
| Earnings coverage of net charge-offs (x) | 41.4548% | 729 |
| Efficiency ratio | 46.8890% | 7,727 |
| Assets per employee ($millions) | 7.8408% | 550 |
| Cash dividends to net income (ytd only)* | 64.9924% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 4,241 |
| Loan loss allowance to noncurrent loans | 6,151.7241% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 7,580 |
| Noncurrent loans to loans | 0.0219% | 7,469 |
| Net loans and leases to total assets | 33.3934% | 7,706 |
| Net loans and leases to deposits | 36.0981% | 7,820 |
| Net loans and leases to core deposits | 40.9553% | 7,841 |
| Total domestic deposits to total assets | 92.5076% | 118 |
| Equity capital to assets | 6.6942% | 7,713 |
| Core capital (leverage) ratio | 6.2678% | 7,740 |
| Tier 1 risk-based capital ratio | 12.9855% | 4,201 |
| Total risk-based capital ratio | 13.9516% | 4,343 |
| Memoranda: | ||
| Average total assets | $373,214,500 | 1,843 |
| Average earning assets | $351,560,000 | 1,793 |
| Average equity | $24,180,000 | 2,720 |
| Average total loans | $131,297,750 | 3,273 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4225% | 5,028 |
| Cost of funding earning assets | 1.3492% | 6,649 |
| Net interest margin | 4.0732% | 2,429 |
| Noninterest income to average assets | 1.0677% | 1,394 |
| Noninterest expense to average assets | 2.3235% | 6,692 |
| Loan and lease loss provision to assets | 0.1036% | 6,133 |
| Net operating income to assets | 1.7756% | 495 |
| Return on assets (ROA) | 1.6896% | 634 |
| Pretax return on assets | 2.3519% | 276 |
| Return on Equity (ROE) | 26.3920% | 115 |
| Retained earnings to average equity (ytd only) | 13.1960% | 307 |
| Net charge-offs to loans | 0.1712% | 4,513 |
| Credit loss provision to net charge-offs | 169.6429% | 2,716 |
| Earnings coverage of net charge-offs (x) | 42.1786% | 783 |
| Efficiency ratio | 47.4352% | 7,785 |
| Assets per employee ($millions) | 7.5145% | 607 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 4,956 |
| Loan loss allowance to noncurrent loans | 1,092.4138% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 7,511 |
| Noncurrent loans to loans | 0.1097% | 7,246 |
| Net loans and leases to total assets | 34.7554% | 7,745 |
| Net loans and leases to deposits | 37.6496% | 7,870 |
| Net loans and leases to core deposits | 42.9010% | 7,892 |
| Total domestic deposits to total assets | 92.3127% | 168 |
| Equity capital to assets | 6.7709% | 7,721 |
| Core capital (leverage) ratio | 6.6123% | 7,740 |
| Tier 1 risk-based capital ratio | 13.3600% | 3,892 |
| Total risk-based capital ratio | 14.2450% | 4,069 |
| Memoranda: | ||
| Average total assets | $366,940,000 | 1,890 |
| Average earning assets | $345,082,670 | 1,838 |
| Average equity | $23,492,000 | 2,812 |
| Average total loans | $130,830,670 | 3,323 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5139% | 4,834 |
| Cost of funding earning assets | 1.4855% | 6,449 |
| Net interest margin | 4.0284% | 2,539 |
| Noninterest income to average assets | 1.0647% | 1,309 |
| Noninterest expense to average assets | 2.2905% | 6,569 |
| Loan and lease loss provision to assets | 0.1633% | 4,845 |
| Net operating income to assets | 1.7156% | 626 |
| Return on assets (ROA) | 1.7156% | 690 |
| Pretax return on assets | 2.3898% | 307 |
| Return on Equity (ROE) | 27.6223% | 135 |
| Retained earnings to average equity (ytd only) | 13.4115% | 582 |
| Net charge-offs to loans | 0.2981% | 2,921 |
| Credit loss provision to net charge-offs | 152.5773% | 2,736 |
| Earnings coverage of net charge-offs (x) | 23.8557% | 1,260 |
| Efficiency ratio | 47.2893% | 7,766 |
| Assets per employee ($millions) | 7.4206% | 644 |
| Cash dividends to net income (ytd only)* | 51.4469% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 5,009 |
| Loan loss allowance to noncurrent loans | 1,511.6505% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 7,536 |
| Noncurrent loans to loans | 0.0771% | 7,303 |
| Net loans and leases to total assets | 35.5794% | 7,741 |
| Net loans and leases to deposits | 38.2558% | 7,890 |
| Net loans and leases to core deposits | 43.2093% | 7,918 |
| Total domestic deposits to total assets | 93.0041% | 85 |
| Equity capital to assets | 6.3146% | 7,929 |
| Core capital (leverage) ratio | 6.3805% | 7,918 |
| Tier 1 risk-based capital ratio | 12.6291% | 4,450 |
| Total risk-based capital ratio | 13.4864% | 4,670 |
| Memoranda: | ||
| Average total assets | $362,547,000 | 1,916 |
| Average earning assets | $340,086,000 | 1,877 |
| Average equity | $22,518,000 | 2,920 |
| Average total loans | $130,161,500 | 3,358 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9044% | 6,014 |
| Cost of funding earning assets | 1.9881% | 6,447 |
| Net interest margin | 3.9163% | 3,493 |
| Noninterest income to average assets | 1.2753% | 906 |
| Noninterest expense to average assets | 2.2132% | 6,933 |
| Loan and lease loss provision to assets | 0.2553% | 4,362 |
| Net operating income to assets | 1.8169% | 540 |
| Return on assets (ROA) | 1.7067% | 637 |
| Pretax return on assets | 2.3145% | 305 |
| Return on Equity (ROE) | 27.1671% | 93 |
| Retained earnings to average equity (ytd only) | 11.6457% | 255 |
| Net charge-offs to loans | 0.0674% | 5,813 |
| Credit loss provision to net charge-offs | 1,216.9014% | 372 |
| Earnings coverage of net charge-offs (x) | 129.5915% | 346 |
| Efficiency ratio | 44.8745% | 7,977 |
| Assets per employee ($millions) | 7.3764% | 601 |
| Cash dividends to net income (ytd only)* | 57.1330% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 4,642 |
| Loan loss allowance to noncurrent loans | 7,525.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 7,628 |
| Noncurrent loans to loans | 0.0158% | 7,472 |
| Net loans and leases to total assets | 35.3751% | 7,855 |
| Net loans and leases to deposits | 38.4135% | 7,966 |
| Net loans and leases to core deposits | 42.5405% | 8,016 |
| Total domestic deposits to total assets | 92.0904% | 118 |
| Equity capital to assets | 6.1026% | 8,044 |
| Core capital (leverage) ratio | 6.3140% | 7,987 |
| Tier 1 risk-based capital ratio | 12.6881% | 4,299 |
| Total risk-based capital ratio | 13.5563% | 4,468 |
| Memoranda: | ||
| Average total assets | $338,430,400 | 1,968 |
| Average earning assets | $315,985,800 | 1,930 |
| Average equity | $21,261,000 | 3,069 |
| Average total loans | $105,317,000 | 3,813 |