Home > FirstBank of Littleton > Performance and Condition Ratios
FirstBank of Littleton, 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 | 4.8493% | 5,470 |
| Cost of funding earning assets | 0.6269% | 7,236 |
| Net interest margin | 4.2224% | 2,135 |
| Noninterest income to average assets | 0.9252% | 1,708 |
| Noninterest expense to average assets | 2.1884% | 6,637 |
| Loan and lease loss provision to assets | 0.0862% | 6,180 |
| Net operating income to assets | 1.8640% | 439 |
| Return on assets (ROA) | 1.8640% | 488 |
| Pretax return on assets | 2.6796% | 177 |
| Return on Equity (ROE) | 24.2754% | 134 |
| Retained earnings to average equity (ytd only) | 9.8836% | 821 |
| Net charge-offs to loans | 0.5998% | 2,940 |
| Credit loss provision to net charge-offs | 37.8182% | 6,042 |
| Earnings coverage of net charge-offs (x) | 12.1346% | 1,720 |
| Efficiency ratio | 44.1724% | 7,457 |
| Assets per employee ($millions) | 7.4493% | 634 |
| Cash dividends to net income (ytd only)* | 59.2856% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 3,995 |
| Loan loss allowance to noncurrent loans | 1,070.1149% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 6,226 |
| Noncurrent loans to loans | 0.1396% | 6,898 |
| Net loans and leases to total assets | 38.6331% | 7,156 |
| Net loans and leases to deposits | 42.4966% | 7,289 |
| Net loans and leases to core deposits | 43.2468% | 7,346 |
| Total domestic deposits to total assets | 90.9085% | 481 |
| Equity capital to assets | 8.2590% | 6,553 |
| Core capital (leverage) ratio | 7.5053% | 6,840 |
| Tier 1 risk-based capital ratio | 15.5695% | 2,961 |
| Total risk-based capital ratio | 16.8170% | 2,923 |
| Memoranda: | ||
| Average total assets | $482,599,500 | 1,408 |
| Average earning assets | $460,483,500 | 1,340 |
| Average equity | $37,057,250 | 1,801 |
| Average total loans | $183,374,250 | 2,351 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8275% | 5,693 |
| Cost of funding earning assets | 0.6581% | 7,282 |
| Net interest margin | 4.1694% | 2,266 |
| Noninterest income to average assets | 0.7937% | 2,151 |
| Noninterest expense to average assets | 2.1368% | 6,801 |
| Loan and lease loss provision to assets | -0.0120% | 7,743 |
| Net operating income to assets | 1.8421% | 450 |
| Return on assets (ROA) | 1.8421% | 487 |
| Pretax return on assets | 2.6487% | 185 |
| Return on Equity (ROE) | 24.5999% | 132 |
| Retained earnings to average equity (ytd only) | 10.8200% | 685 |
| Net charge-offs to loans | 0.8739% | 2,085 |
| Credit loss provision to net charge-offs | -3.6432% | 6,592 |
| Earnings coverage of net charge-offs (x) | 8.0251% | 2,201 |
| Efficiency ratio | 44.7644% | 7,498 |
| Assets per employee ($millions) | 7.7972% | 545 |
| Cash dividends to net income (ytd only)* | 56.0161% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 4,757 |
| Loan loss allowance to noncurrent loans | 125.1893% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.7979% | 5,517 |
| Noncurrent loans to loans | 1.0646% | 5,187 |
| Net loans and leases to total assets | 38.6024% | 7,242 |
| Net loans and leases to deposits | 42.3979% | 7,381 |
| Net loans and leases to core deposits | 43.1958% | 7,423 |
| Total domestic deposits to total assets | 91.0479% | 468 |
| Equity capital to assets | 7.9684% | 6,790 |
| Core capital (leverage) ratio | 7.2360% | 7,045 |
| Tier 1 risk-based capital ratio | 15.1976% | 3,058 |
| Total risk-based capital ratio | 16.3131% | 3,087 |
| Memoranda: | ||
| Average total assets | $484,547,670 | 1,417 |
| Average earning assets | $462,513,330 | 1,343 |
| Average equity | $36,284,670 | 1,837 |
| Average total loans | $182,173,000 | 2,399 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7494% | 6,079 |
| Cost of funding earning assets | 0.6808% | 7,374 |
| Net interest margin | 4.0686% | 2,572 |
| Noninterest income to average assets | 0.5611% | 3,553 |
| Noninterest expense to average assets | 2.0531% | 7,052 |
| Loan and lease loss provision to assets | -0.0417% | 7,855 |
| Net operating income to assets | 1.7071% | 608 |
| Return on assets (ROA) | 1.7071% | 661 |
| Pretax return on assets | 2.4360% | 277 |
| Return on Equity (ROE) | 23.5307% | 206 |
| Retained earnings to average equity (ytd only) | 23.5307% | 122 |
| Net charge-offs to loans | 1.2318% | 1,378 |
| Credit loss provision to net charge-offs | -9.1892% | 5,955 |
| Earnings coverage of net charge-offs (x) | 5.2739% | 2,430 |
| Efficiency ratio | 46.1652% | 7,545 |
| Assets per employee ($millions) | 8.4164% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 3,909 |
| Loan loss allowance to noncurrent loans | 84.4806% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.0089% | 5,135 |
| Noncurrent loans to loans | 1.7761% | 4,088 |
| Net loans and leases to total assets | 35.6935% | 7,436 |
| Net loans and leases to deposits | 38.7902% | 7,555 |
| Net loans and leases to core deposits | 39.6157% | 7,588 |
| Total domestic deposits to total assets | 92.0166% | 234 |
| Equity capital to assets | 7.4026% | 7,136 |
| Core capital (leverage) ratio | 7.2431% | 7,076 |
| Tier 1 risk-based capital ratio | 15.1571% | 3,036 |
| Total risk-based capital ratio | 16.3614% | 3,019 |
| Memoranda: | ||
| Average total assets | $489,006,000 | 1,432 |
| Average earning assets | $467,091,000 | 1,360 |
| Average equity | $35,477,000 | 1,896 |
| Average total loans | $180,217,000 | 2,485 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2773% | 5,297 |
| Cost of funding earning assets | 1.0980% | 6,987 |
| Net interest margin | 4.1793% | 2,136 |
| Noninterest income to average assets | 1.0128% | 1,528 |
| Noninterest expense to average assets | 2.3249% | 6,675 |
| Loan and lease loss provision to assets | 0.3307% | 4,832 |
| Net operating income to assets | 1.7169% | 424 |
| Return on assets (ROA) | 1.7160% | 455 |
| Pretax return on assets | 2.3647% | 195 |
| Return on Equity (ROE) | 24.5813% | 97 |
| Retained earnings to average equity (ytd only) | 10.3134% | 344 |
| Net charge-offs to loans | 0.1754% | 5,549 |
| Credit loss provision to net charge-offs | 479.1798% | 639 |
| Earnings coverage of net charge-offs (x) | 39.0757% | 611 |
| Efficiency ratio | 46.2976% | 7,698 |
| Assets per employee ($millions) | 7.6419% | 592 |
| Cash dividends to net income (ytd only)* | 58.0436% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8311% | 2,447 |
| Loan loss allowance to noncurrent loans | 65.3033% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.0512% | 4,997 |
| Noncurrent loans to loans | 2.8040% | 2,755 |
| Net loans and leases to total assets | 36.8032% | 7,493 |
| Net loans and leases to deposits | 39.8489% | 7,631 |
| Net loans and leases to core deposits | 45.4861% | 7,678 |
| Total domestic deposits to total assets | 92.3569% | 207 |
| Equity capital to assets | 7.1026% | 7,325 |
| Core capital (leverage) ratio | 6.9712% | 7,265 |
| Tier 1 risk-based capital ratio | 14.3569% | 3,287 |
| Total risk-based capital ratio | 15.6100% | 3,237 |
| Memoranda: | ||
| Average total assets | $459,332,000 | 1,505 |
| Average earning assets | $440,604,600 | 1,435 |
| Average equity | $32,065,000 | 2,086 |
| Average total loans | $180,778,000 | 2,504 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3635% | 5,121 |
| Cost of funding earning assets | 1.1674% | 6,982 |
| Net interest margin | 4.1961% | 2,078 |
| Noninterest income to average assets | 1.0213% | 1,528 |
| Noninterest expense to average assets | 2.3149% | 6,657 |
| Loan and lease loss provision to assets | 0.1754% | 5,606 |
| Net operating income to assets | 1.7896% | 456 |
| Return on assets (ROA) | 1.7896% | 485 |
| Pretax return on assets | 2.5608% | 176 |
| Return on Equity (ROE) | 25.7548% | 98 |
| Retained earnings to average equity (ytd only) | 12.7527% | 277 |
| Net charge-offs to loans | 0.1784% | 4,966 |
| Credit loss provision to net charge-offs | 246.6942% | 1,755 |
| Earnings coverage of net charge-offs (x) | 38.4833% | 773 |
| Efficiency ratio | 45.8295% | 7,778 |
| Assets per employee ($millions) | 7.2446% | 711 |
| Cash dividends to net income (ytd only)* | 50.4844% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 4,277 |
| Loan loss allowance to noncurrent loans | 98.2407% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5394% | 6,108 |
| Noncurrent loans to loans | 1.3609% | 4,654 |
| Net loans and leases to total assets | 39.1070% | 7,498 |
| Net loans and leases to deposits | 42.4745% | 7,661 |
| Net loans and leases to core deposits | 48.5171% | 7,716 |
| Total domestic deposits to total assets | 92.0717% | 165 |
| Equity capital to assets | 7.4502% | 7,335 |
| Core capital (leverage) ratio | 7.0861% | 7,368 |
| Tier 1 risk-based capital ratio | 14.4681% | 3,296 |
| Total risk-based capital ratio | 15.5938% | 3,298 |
| Memoranda: | ||
| Average total assets | $453,804,500 | 1,542 |
| Average earning assets | $435,822,250 | 1,463 |
| Average equity | $31,532,500 | 2,142 |
| Average total loans | $180,849,750 | 2,533 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4519% | 4,886 |
| Cost of funding earning assets | 1.2498% | 6,962 |
| Net interest margin | 4.2020% | 1,990 |
| Noninterest income to average assets | 1.0011% | 1,594 |
| Noninterest expense to average assets | 2.3542% | 6,615 |
| Loan and lease loss provision to assets | 0.1629% | 5,433 |
| Net operating income to assets | 1.7682% | 499 |
| Return on assets (ROA) | 1.7682% | 538 |
| Pretax return on assets | 2.5197% | 207 |
| Return on Equity (ROE) | 26.0932% | 120 |
| Retained earnings to average equity (ytd only) | 12.4996% | 379 |
| Net charge-offs to loans | 0.1145% | 5,011 |
| Credit loss provision to net charge-offs | 356.3107% | 1,303 |
| Earnings coverage of net charge-offs (x) | 58.6699% | 608 |
| Efficiency ratio | 46.7389% | 7,822 |
| Assets per employee ($millions) | 6.9292% | 792 |
| Cash dividends to net income (ytd only)* | 52.0964% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 4,279 |
| Loan loss allowance to noncurrent loans | 1,061.8834% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 7,481 |
| Noncurrent loans to loans | 0.1223% | 7,211 |
| Net loans and leases to total assets | 39.3477% | 7,578 |
| Net loans and leases to deposits | 42.5707% | 7,741 |
| Net loans and leases to core deposits | 48.3526% | 7,793 |
| Total domestic deposits to total assets | 92.4291% | 153 |
| Equity capital to assets | 7.1456% | 7,523 |
| Core capital (leverage) ratio | 6.8672% | 7,622 |
| Tier 1 risk-based capital ratio | 14.4135% | 3,297 |
| Total risk-based capital ratio | 15.5328% | 3,297 |
| Memoranda: | ||
| Average total assets | $450,521,330 | 1,570 |
| Average earning assets | $432,696,000 | 1,490 |
| Average equity | $30,529,000 | 2,230 |
| Average total loans | $179,873,670 | 2,576 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5364% | 4,722 |
| Cost of funding earning assets | 1.3857% | 6,777 |
| Net interest margin | 4.1506% | 2,091 |
| Noninterest income to average assets | 0.9751% | 1,560 |
| Noninterest expense to average assets | 2.2553% | 6,677 |
| Loan and lease loss provision to assets | 0.0743% | 6,027 |
| Net operating income to assets | 1.8358% | 493 |
| Return on assets (ROA) | 1.8358% | 554 |
| Pretax return on assets | 2.6275% | 201 |
| Return on Equity (ROE) | 27.8672% | 131 |
| Retained earnings to average equity (ytd only) | 14.2867% | 489 |
| Net charge-offs to loans | 0.0605% | 4,618 |
| Credit loss provision to net charge-offs | 307.4074% | 1,581 |
| Earnings coverage of net charge-offs (x) | 111.8519% | 392 |
| Efficiency ratio | 45.4972% | 7,869 |
| Assets per employee ($millions) | 7.1203% | 735 |
| Cash dividends to net income (ytd only)* | 48.7329% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 4,662 |
| Loan loss allowance to noncurrent loans | 968.6099% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 7,453 |
| Noncurrent loans to loans | 0.1260% | 7,159 |
| Net loans and leases to total assets | 38.3627% | 7,651 |
| Net loans and leases to deposits | 41.3283% | 7,800 |
| Net loans and leases to core deposits | 46.4578% | 7,860 |
| Total domestic deposits to total assets | 92.8244% | 98 |
| Equity capital to assets | 6.7347% | 7,795 |
| Core capital (leverage) ratio | 6.8887% | 7,702 |
| Tier 1 risk-based capital ratio | 13.9324% | 3,630 |
| Total risk-based capital ratio | 14.9498% | 3,667 |
| Memoranda: | ||
| Average total assets | $447,117,000 | 1,587 |
| Average earning assets | $428,945,000 | 1,516 |
| Average equity | $29,454,000 | 2,318 |
| Average total loans | $178,652,000 | 2,611 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9510% | 5,808 |
| Cost of funding earning assets | 1.9008% | 6,726 |
| Net interest margin | 4.0501% | 2,908 |
| Noninterest income to average assets | 1.1024% | 1,293 |
| Noninterest expense to average assets | 2.3043% | 6,689 |
| Loan and lease loss provision to assets | 0.1366% | 5,611 |
| Net operating income to assets | 1.7831% | 569 |
| Return on assets (ROA) | 1.7530% | 580 |
| Pretax return on assets | 2.4881% | 200 |
| Return on Equity (ROE) | 29.0285% | 72 |
| Retained earnings to average equity (ytd only) | 23.2863% | 19 |
| Net charge-offs to loans | 0.0549% | 5,998 |
| Credit loss provision to net charge-offs | 628.7234% | 683 |
| Earnings coverage of net charge-offs (x) | 122.7660% | 369 |
| Efficiency ratio | 46.3455% | 7,908 |
| Assets per employee ($millions) | 6.4490% | 908 |
| Cash dividends to net income (ytd only)* | 19.7811% | 4,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 4,806 |
| Loan loss allowance to noncurrent loans | 657.1875% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 7,284 |
| Noncurrent loans to loans | 0.1775% | 6,856 |
| Net loans and leases to total assets | 40.6404% | 7,644 |
| Net loans and leases to deposits | 45.8409% | 7,786 |
| Net loans and leases to core deposits | 51.0909% | 7,863 |
| Total domestic deposits to total assets | 88.6554% | 1,180 |
| Equity capital to assets | 6.4346% | 7,958 |
| Core capital (leverage) ratio | 6.5513% | 7,916 |
| Tier 1 risk-based capital ratio | 13.4934% | 3,824 |
| Total risk-based capital ratio | 14.4879% | 3,888 |
| Memoranda: | ||
| Average total assets | $432,582,800 | 1,577 |
| Average earning assets | $413,294,800 | 1,517 |
| Average equity | $26,122,600 | 2,546 |
| Average total loans | $171,264,400 | 2,591 |