Home > FirstBank of Longmont > Performance and Condition Ratios
FirstBank of Longmont, 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 | 5.2623% | 3,524 |
| Cost of funding earning assets | 0.7018% | 7,058 |
| Net interest margin | 4.5604% | 1,131 |
| Noninterest income to average assets | 0.9695% | 1,556 |
| Noninterest expense to average assets | 2.3362% | 6,216 |
| Loan and lease loss provision to assets | 0.0181% | 6,871 |
| Net operating income to assets | 2.0122% | 331 |
| Return on assets (ROA) | 2.0122% | 359 |
| Pretax return on assets | 2.9275% | 130 |
| Return on Equity (ROE) | 25.4951% | 110 |
| Retained earnings to average equity (ytd only) | 11.3427% | 551 |
| Net charge-offs to loans | 0.0946% | 5,587 |
| Credit loss provision to net charge-offs | 54.4554% | 5,816 |
| Earnings coverage of net charge-offs (x) | 88.7745% | 347 |
| Efficiency ratio | 44.0567% | 7,460 |
| Assets per employee ($millions) | 6.9831% | 776 |
| Cash dividends to net income (ytd only)* | 55.5102% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 4,902 |
| Loan loss allowance to noncurrent loans | 131.4133% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 6,450 |
| Noncurrent loans to loans | 0.9970% | 5,243 |
| Net loans and leases to total assets | 35.8685% | 7,269 |
| Net loans and leases to deposits | 39.5006% | 7,384 |
| Net loans and leases to core deposits | 40.4540% | 7,418 |
| Total domestic deposits to total assets | 90.8050% | 521 |
| Equity capital to assets | 8.2851% | 6,524 |
| Core capital (leverage) ratio | 7.3851% | 6,951 |
| Tier 1 risk-based capital ratio | 15.7286% | 2,895 |
| Total risk-based capital ratio | 16.7580% | 2,960 |
| Memoranda: | ||
| Average total assets | $405,841,750 | 1,656 |
| Average earning assets | $383,755,000 | 1,591 |
| Average equity | $32,031,500 | 2,068 |
| Average total loans | $142,416,750 | 2,931 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2512% | 3,709 |
| Cost of funding earning assets | 0.7397% | 7,095 |
| Net interest margin | 4.5115% | 1,179 |
| Noninterest income to average assets | 0.9416% | 1,536 |
| Noninterest expense to average assets | 2.3527% | 6,207 |
| Loan and lease loss provision to assets | 0.0951% | 5,962 |
| Net operating income to assets | 1.9074% | 389 |
| Return on assets (ROA) | 1.9074% | 432 |
| Pretax return on assets | 2.7564% | 164 |
| Return on Equity (ROE) | 24.5832% | 133 |
| Retained earnings to average equity (ytd only) | 18.1996% | 125 |
| Net charge-offs to loans | 0.1257% | 4,940 |
| Credit loss provision to net charge-offs | 218.1818% | 1,786 |
| Earnings coverage of net charge-offs (x) | 65.4205% | 475 |
| Efficiency ratio | 45.0176% | 7,481 |
| Assets per employee ($millions) | 7.0655% | 750 |
| Cash dividends to net income (ytd only)* | 25.9673% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 4,135 |
| Loan loss allowance to noncurrent loans | 118.7079% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4580% | 6,303 |
| Noncurrent loans to loans | 1.2287% | 4,910 |
| Net loans and leases to total assets | 34.8357% | 7,394 |
| Net loans and leases to deposits | 38.1919% | 7,490 |
| Net loans and leases to core deposits | 39.7311% | 7,492 |
| Total domestic deposits to total assets | 91.2123% | 409 |
| Equity capital to assets | 8.0508% | 6,700 |
| Core capital (leverage) ratio | 7.5848% | 6,750 |
| Tier 1 risk-based capital ratio | 15.9235% | 2,706 |
| Total risk-based capital ratio | 17.0477% | 2,725 |
| Memoranda: | ||
| Average total assets | $403,787,330 | 1,681 |
| Average earning assets | $381,512,000 | 1,621 |
| Average equity | $31,330,330 | 2,107 |
| Average total loans | $139,975,000 | 3,013 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1987% | 4,021 |
| Cost of funding earning assets | 0.7755% | 7,163 |
| Net interest margin | 4.4233% | 1,325 |
| Noninterest income to average assets | 0.9372% | 1,495 |
| Noninterest expense to average assets | 2.3913% | 6,122 |
| Loan and lease loss provision to assets | 0.0250% | 6,413 |
| Net operating income to assets | 1.8713% | 427 |
| Return on assets (ROA) | 1.8713% | 468 |
| Pretax return on assets | 2.6937% | 189 |
| Return on Equity (ROE) | 24.5906% | 173 |
| Retained earnings to average equity (ytd only) | 11.4756% | 835 |
| Net charge-offs to loans | 0.2269% | 3,563 |
| Credit loss provision to net charge-offs | 32.0513% | 4,784 |
| Earnings coverage of net charge-offs (x) | 34.9231% | 781 |
| Efficiency ratio | 46.5820% | 7,519 |
| Assets per employee ($millions) | 6.6855% | 916 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 4,368 |
| Loan loss allowance to noncurrent loans | 116.8559% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 6,302 |
| Noncurrent loans to loans | 1.2068% | 4,949 |
| Net loans and leases to total assets | 34.0732% | 7,493 |
| Net loans and leases to deposits | 37.3195% | 7,595 |
| Net loans and leases to core deposits | 38.8766% | 7,605 |
| Total domestic deposits to total assets | 91.3013% | 442 |
| Equity capital to assets | 7.7524% | 6,883 |
| Core capital (leverage) ratio | 7.2283% | 7,084 |
| Tier 1 risk-based capital ratio | 15.2289% | 2,990 |
| Total risk-based capital ratio | 16.2936% | 3,056 |
| Memoranda: | ||
| Average total assets | $400,782,000 | 1,723 |
| Average earning assets | $378,091,500 | 1,671 |
| Average equity | $30,499,500 | 2,191 |
| Average total loans | $137,528,000 | 3,119 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4940% | 4,174 |
| Cost of funding earning assets | 1.1649% | 6,782 |
| Net interest margin | 4.3291% | 1,635 |
| Noninterest income to average assets | 1.0124% | 1,530 |
| Noninterest expense to average assets | 2.6046% | 5,789 |
| Loan and lease loss provision to assets | 0.3145% | 4,932 |
| Net operating income to assets | 1.5291% | 634 |
| Return on assets (ROA) | 1.4349% | 847 |
| Pretax return on assets | 2.0619% | 362 |
| Return on Equity (ROE) | 20.5289% | 220 |
| Retained earnings to average equity (ytd only) | 9.8629% | 383 |
| Net charge-offs to loans | 0.6120% | 3,376 |
| Credit loss provision to net charge-offs | 152.4909% | 3,011 |
| Earnings coverage of net charge-offs (x) | 12.1750% | 1,532 |
| Efficiency ratio | 48.9860% | 7,587 |
| Assets per employee ($millions) | 6.6739% | 913 |
| Cash dividends to net income (ytd only)* | 51.9560% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4726% | 3,878 |
| Loan loss allowance to noncurrent loans | 103.1844% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.5367% | 6,112 |
| Noncurrent loans to loans | 1.4272% | 4,537 |
| Net loans and leases to total assets | 33.5672% | 7,610 |
| Net loans and leases to deposits | 36.6016% | 7,712 |
| Net loans and leases to core deposits | 41.0632% | 7,745 |
| Total domestic deposits to total assets | 91.7095% | 326 |
| Equity capital to assets | 7.4674% | 7,056 |
| Core capital (leverage) ratio | 7.0277% | 7,214 |
| Tier 1 risk-based capital ratio | 14.7337% | 3,086 |
| Total risk-based capital ratio | 15.8254% | 3,115 |
| Memoranda: | ||
| Average total assets | $399,057,600 | 1,722 |
| Average earning assets | $378,230,600 | 1,666 |
| Average equity | $27,892,400 | 2,386 |
| Average total loans | $134,469,600 | 3,183 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5324% | 4,260 |
| Cost of funding earning assets | 1.2306% | 6,801 |
| Net interest margin | 4.3018% | 1,727 |
| Noninterest income to average assets | 1.0025% | 1,599 |
| Noninterest expense to average assets | 2.5297% | 5,977 |
| Loan and lease loss provision to assets | 0.1485% | 5,874 |
| Net operating income to assets | 1.6897% | 572 |
| Return on assets (ROA) | 1.5640% | 765 |
| Pretax return on assets | 2.2291% | 326 |
| Return on Equity (ROE) | 22.7668% | 179 |
| Retained earnings to average equity (ytd only) | 10.7190% | 509 |
| Net charge-offs to loans | 0.1901% | 4,879 |
| Credit loss provision to net charge-offs | 232.4607% | 1,877 |
| Earnings coverage of net charge-offs (x) | 40.0367% | 749 |
| Efficiency ratio | 49.4807% | 7,586 |
| Assets per employee ($millions) | 6.0499% | 1,190 |
| Cash dividends to net income (ytd only)* | 52.9186% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 4,312 |
| Loan loss allowance to noncurrent loans | 690.5660% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 7,249 |
| Noncurrent loans to loans | 0.1927% | 7,017 |
| Net loans and leases to total assets | 34.5091% | 7,672 |
| Net loans and leases to deposits | 37.7669% | 7,785 |
| Net loans and leases to core deposits | 42.5196% | 7,819 |
| Total domestic deposits to total assets | 91.3740% | 286 |
| Equity capital to assets | 7.6154% | 7,212 |
| Core capital (leverage) ratio | 6.7815% | 7,550 |
| Tier 1 risk-based capital ratio | 14.2877% | 3,391 |
| Total risk-based capital ratio | 15.2866% | 3,479 |
| Memoranda: | ||
| Average total assets | $398,713,000 | 1,740 |
| Average earning assets | $378,560,250 | 1,679 |
| Average equity | $27,390,000 | 2,444 |
| Average total loans | $133,981,000 | 3,225 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5830% | 4,156 |
| Cost of funding earning assets | 1.2972% | 6,818 |
| Net interest margin | 4.2858% | 1,687 |
| Noninterest income to average assets | 1.0116% | 1,558 |
| Noninterest expense to average assets | 2.5780% | 5,826 |
| Loan and lease loss provision to assets | 0.2152% | 4,894 |
| Net operating income to assets | 1.6220% | 651 |
| Return on assets (ROA) | 1.4316% | 1,023 |
| Pretax return on assets | 2.0168% | 539 |
| Return on Equity (ROE) | 21.6070% | 257 |
| Retained earnings to average equity (ytd only) | 8.6066% | 1,036 |
| Net charge-offs to loans | 0.3042% | 3,661 |
| Credit loss provision to net charge-offs | 213.3663% | 2,157 |
| Earnings coverage of net charge-offs (x) | 24.7871% | 1,145 |
| Efficiency ratio | 50.5113% | 7,634 |
| Assets per employee ($millions) | 6.1056% | 1,154 |
| Cash dividends to net income (ytd only)* | 60.1674% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 4,030 |
| Loan loss allowance to noncurrent loans | 283.3595% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 7,154 |
| Noncurrent loans to loans | 0.4733% | 6,339 |
| Net loans and leases to total assets | 33.4591% | 7,792 |
| Net loans and leases to deposits | 36.2293% | 7,895 |
| Net loans and leases to core deposits | 40.7555% | 7,923 |
| Total domestic deposits to total assets | 92.3536% | 161 |
| Equity capital to assets | 6.9275% | 7,646 |
| Core capital (leverage) ratio | 6.5042% | 7,793 |
| Tier 1 risk-based capital ratio | 13.7488% | 3,659 |
| Total risk-based capital ratio | 14.7367% | 3,753 |
| Memoranda: | ||
| Average total assets | $400,537,000 | 1,752 |
| Average earning assets | $380,045,330 | 1,702 |
| Average equity | $26,537,670 | 2,517 |
| Average total loans | $132,796,670 | 3,291 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6101% | 4,294 |
| Cost of funding earning assets | 1.4057% | 6,713 |
| Net interest margin | 4.2045% | 1,881 |
| Noninterest income to average assets | 1.0031% | 1,475 |
| Noninterest expense to average assets | 2.5091% | 5,804 |
| Loan and lease loss provision to assets | 0.2565% | 3,914 |
| Net operating income to assets | 1.5637% | 837 |
| Return on assets (ROA) | 1.5637% | 915 |
| Pretax return on assets | 2.2338% | 410 |
| Return on Equity (ROE) | 24.1443% | 212 |
| Retained earnings to average equity (ytd only) | 11.8649% | 815 |
| Net charge-offs to loans | 0.0879% | 4,286 |
| Credit loss provision to net charge-offs | 889.6552% | 697 |
| Earnings coverage of net charge-offs (x) | 86.3793% | 493 |
| Efficiency ratio | 49.9105% | 7,597 |
| Assets per employee ($millions) | 5.9637% | 1,217 |
| Cash dividends to net income (ytd only)* | 50.8582% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3607% | 3,728 |
| Loan loss allowance to noncurrent loans | 231.8357% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 6,927 |
| Noncurrent loans to loans | 0.5869% | 5,928 |
| Net loans and leases to total assets | 33.7726% | 7,812 |
| Net loans and leases to deposits | 36.6401% | 7,930 |
| Net loans and leases to core deposits | 40.7902% | 7,964 |
| Total domestic deposits to total assets | 92.1737% | 159 |
| Equity capital to assets | 6.9696% | 7,697 |
| Core capital (leverage) ratio | 6.4200% | 7,908 |
| Tier 1 risk-based capital ratio | 14.1450% | 3,504 |
| Total risk-based capital ratio | 15.1839% | 3,551 |
| Memoranda: | ||
| Average total assets | $402,372,000 | 1,749 |
| Average earning assets | $382,451,000 | 1,702 |
| Average equity | $26,060,000 | 2,566 |
| Average total loans | $131,898,500 | 3,323 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8112% | 6,388 |
| Cost of funding earning assets | 2.0004% | 6,415 |
| Net interest margin | 3.8108% | 3,977 |
| Noninterest income to average assets | 1.1070% | 1,282 |
| Noninterest expense to average assets | 2.4243% | 6,317 |
| Loan and lease loss provision to assets | 0.1363% | 5,618 |
| Net operating income to assets | 1.5651% | 895 |
| Return on assets (ROA) | 1.2136% | 1,681 |
| Pretax return on assets | 1.6668% | 1,222 |
| Return on Equity (ROE) | 20.0840% | 366 |
| Retained earnings to average equity (ytd only) | 9.0308% | 604 |
| Net charge-offs to loans | 0.0868% | 5,504 |
| Credit loss provision to net charge-offs | 524.7619% | 829 |
| Earnings coverage of net charge-offs (x) | 87.9524% | 480 |
| Efficiency ratio | 51.1479% | 7,577 |
| Assets per employee ($millions) | 6.8377% | 759 |
| Cash dividends to net income (ytd only)* | 55.0347% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 4,506 |
| Loan loss allowance to noncurrent loans | 4,043.5897% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 7,595 |
| Noncurrent loans to loans | 0.0298% | 7,390 |
| Net loans and leases to total assets | 31.0469% | 7,967 |
| Net loans and leases to deposits | 37.5485% | 7,987 |
| Net loans and leases to core deposits | 41.2895% | 8,030 |
| Total domestic deposits to total assets | 82.6848% | 3,900 |
| Equity capital to assets | 6.0184% | 8,058 |
| Core capital (leverage) ratio | 5.9460% | 8,096 |
| Tier 1 risk-based capital ratio | 14.0209% | 3,538 |
| Total risk-based capital ratio | 14.9438% | 3,620 |
| Memoranda: | ||
| Average total assets | $404,239,600 | 1,685 |
| Average earning assets | $382,071,400 | 1,628 |
| Average equity | $24,427,400 | 2,695 |
| Average total loans | $120,947,600 | 3,444 |