Home > FirstBank of Parker > Performance and Condition Ratios
FirstBank of Parker, 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 | 4.8979% | 5,276 |
| Cost of funding earning assets | 0.6787% | 7,111 |
| Net interest margin | 4.2192% | 2,152 |
| Noninterest income to average assets | 1.1861% | 995 |
| Noninterest expense to average assets | 2.8274% | 4,365 |
| Loan and lease loss provision to assets | 0.6020% | 2,537 |
| Net operating income to assets | 1.2601% | 1,441 |
| Return on assets (ROA) | 1.2061% | 1,657 |
| Pretax return on assets | 1.6263% | 1,279 |
| Return on Equity (ROE) | 17.1435% | 573 |
| Retained earnings to average equity (ytd only) | 5.9519% | 2,381 |
| Net charge-offs to loans | 0.7140% | 2,637 |
| Credit loss provision to net charge-offs | 260.3715% | 1,271 |
| Earnings coverage of net charge-offs (x) | 9.9535% | 1,936 |
| Efficiency ratio | 55.1291% | 6,669 |
| Assets per employee ($millions) | 5.5823% | 1,549 |
| Cash dividends to net income (ytd only)* | 65.2819% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3246% | 1,586 |
| Loan loss allowance to noncurrent loans | 187.1011% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.5928% | 5,956 |
| Noncurrent loans to loans | 1.2424% | 4,771 |
| Net loans and leases to total assets | 32.0926% | 7,406 |
| Net loans and leases to deposits | 35.1002% | 7,490 |
| Net loans and leases to core deposits | 36.3598% | 7,495 |
| Total domestic deposits to total assets | 91.4313% | 325 |
| Equity capital to assets | 7.4667% | 7,147 |
| Core capital (leverage) ratio | 6.5948% | 7,313 |
| Tier 1 risk-based capital ratio | 15.4375% | 3,032 |
| Total risk-based capital ratio | 16.6942% | 2,996 |
| Memoranda: | ||
| Average total assets | $186,270,000 | 3,328 |
| Average earning assets | $174,055,500 | 3,251 |
| Average equity | $13,104,750 | 4,417 |
| Average total loans | $60,312,750 | 5,135 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8803% | 5,484 |
| Cost of funding earning assets | 0.7052% | 7,186 |
| Net interest margin | 4.1751% | 2,243 |
| Noninterest income to average assets | 1.1575% | 962 |
| Noninterest expense to average assets | 2.8114% | 4,437 |
| Loan and lease loss provision to assets | 0.3060% | 3,939 |
| Net operating income to assets | 1.4201% | 1,056 |
| Return on assets (ROA) | 1.3404% | 1,288 |
| Pretax return on assets | 1.8390% | 822 |
| Return on Equity (ROE) | 19.4444% | 362 |
| Retained earnings to average equity (ytd only) | 7.0298% | 1,817 |
| Net charge-offs to loans | 0.1793% | 4,534 |
| Credit loss provision to net charge-offs | 529.6296% | 697 |
| Earnings coverage of net charge-offs (x) | 39.0185% | 745 |
| Efficiency ratio | 55.5016% | 6,702 |
| Assets per employee ($millions) | 5.1369% | 2,006 |
| Cash dividends to net income (ytd only)* | 63.8468% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8429% | 2,593 |
| Loan loss allowance to noncurrent loans | 120.4082% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.6873% | 5,775 |
| Noncurrent loans to loans | 1.5306% | 4,420 |
| Net loans and leases to total assets | 32.2861% | 7,475 |
| Net loans and leases to deposits | 35.1679% | 7,548 |
| Net loans and leases to core deposits | 36.5846% | 7,558 |
| Total domestic deposits to total assets | 91.8055% | 261 |
| Equity capital to assets | 7.2342% | 7,258 |
| Core capital (leverage) ratio | 6.5295% | 7,375 |
| Tier 1 risk-based capital ratio | 15.0831% | 3,116 |
| Total risk-based capital ratio | 16.3344% | 3,078 |
| Memoranda: | ||
| Average total assets | $186,954,330 | 3,348 |
| Average earning assets | $174,990,000 | 3,255 |
| Average equity | $12,888,000 | 4,460 |
| Average total loans | $60,241,330 | 5,166 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8587% | 5,648 |
| Cost of funding earning assets | 0.7214% | 7,289 |
| Net interest margin | 4.1373% | 2,283 |
| Noninterest income to average assets | 1.1172% | 1,007 |
| Noninterest expense to average assets | 2.7643% | 4,631 |
| Loan and lease loss provision to assets | 0.4682% | 2,628 |
| Net operating income to assets | 1.3162% | 1,262 |
| Return on assets (ROA) | 1.1534% | 1,751 |
| Pretax return on assets | 1.5364% | 1,432 |
| Return on Equity (ROE) | 17.1478% | 593 |
| Retained earnings to average equity (ytd only) | 1.3288% | 5,279 |
| Net charge-offs to loans | 0.2135% | 3,637 |
| Credit loss provision to net charge-offs | 687.5000% | 645 |
| Earnings coverage of net charge-offs (x) | 32.6250% | 823 |
| Efficiency ratio | 55.4417% | 6,837 |
| Assets per employee ($millions) | 4.9765% | 2,260 |
| Cash dividends to net income (ytd only)* | 92.2509% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7969% | 2,742 |
| Loan loss allowance to noncurrent loans | 2,504.6512% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 7,435 |
| Noncurrent loans to loans | 0.0717% | 7,216 |
| Net loans and leases to total assets | 31.1247% | 7,592 |
| Net loans and leases to deposits | 33.7314% | 7,664 |
| Net loans and leases to core deposits | 34.9779% | 7,671 |
| Total domestic deposits to total assets | 92.2721% | 198 |
| Equity capital to assets | 6.7570% | 7,464 |
| Core capital (leverage) ratio | 6.2597% | 7,540 |
| Tier 1 risk-based capital ratio | 14.4569% | 3,410 |
| Total risk-based capital ratio | 15.7082% | 3,374 |
| Memoranda: | ||
| Average total assets | $187,967,500 | 3,392 |
| Average earning assets | $175,765,500 | 3,310 |
| Average equity | $12,643,000 | 4,557 |
| Average total loans | $59,948,500 | 5,248 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2870% | 5,248 |
| Cost of funding earning assets | 1.1596% | 6,795 |
| Net interest margin | 4.1275% | 2,334 |
| Noninterest income to average assets | 1.2745% | 927 |
| Noninterest expense to average assets | 3.0231% | 4,057 |
| Loan and lease loss provision to assets | 0.2516% | 5,386 |
| Net operating income to assets | 1.3767% | 887 |
| Return on assets (ROA) | 1.3557% | 979 |
| Pretax return on assets | 1.8265% | 599 |
| Return on Equity (ROE) | 20.5744% | 216 |
| Retained earnings to average equity (ytd only) | 16.2647% | 73 |
| Net charge-offs to loans | 0.3537% | 4,462 |
| Credit loss provision to net charge-offs | 216.0976% | 1,765 |
| Earnings coverage of net charge-offs (x) | 18.0927% | 1,147 |
| Efficiency ratio | 58.9349% | 6,626 |
| Assets per employee ($millions) | 5.0494% | 2,157 |
| Cash dividends to net income (ytd only)* | 20.9468% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 3,818 |
| Loan loss allowance to noncurrent loans | 897.9798% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 7,366 |
| Noncurrent loans to loans | 0.1651% | 7,011 |
| Net loans and leases to total assets | 31.6184% | 7,673 |
| Net loans and leases to deposits | 34.2103% | 7,758 |
| Net loans and leases to core deposits | 39.2390% | 7,773 |
| Total domestic deposits to total assets | 92.4235% | 194 |
| Equity capital to assets | 6.6949% | 7,504 |
| Core capital (leverage) ratio | 6.4867% | 7,499 |
| Tier 1 risk-based capital ratio | 14.3265% | 3,301 |
| Total risk-based capital ratio | 15.4430% | 3,342 |
| Memoranda: | ||
| Average total assets | $176,075,200 | 3,502 |
| Average earning assets | $164,458,600 | 3,435 |
| Average equity | $11,601,800 | 4,841 |
| Average total loans | $57,966,600 | 5,339 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3586% | 5,136 |
| Cost of funding earning assets | 1.2433% | 6,747 |
| Net interest margin | 4.1153% | 2,333 |
| Noninterest income to average assets | 1.2619% | 969 |
| Noninterest expense to average assets | 3.0359% | 3,898 |
| Loan and lease loss provision to assets | 0.2622% | 4,863 |
| Net operating income to assets | 1.3484% | 1,125 |
| Return on assets (ROA) | 1.3196% | 1,247 |
| Pretax return on assets | 1.7686% | 858 |
| Return on Equity (ROE) | 20.1133% | 304 |
| Retained earnings to average equity (ytd only) | 20.1133% | 65 |
| Net charge-offs to loans | 0.4478% | 3,438 |
| Credit loss provision to net charge-offs | 176.6839% | 2,615 |
| Earnings coverage of net charge-offs (x) | 13.9428% | 1,635 |
| Efficiency ratio | 59.4668% | 6,483 |
| Assets per employee ($millions) | 4.9318% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 4,246 |
| Loan loss allowance to noncurrent loans | 270.5085% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 7,134 |
| Noncurrent loans to loans | 0.4967% | 6,317 |
| Net loans and leases to total assets | 32.1096% | 7,746 |
| Net loans and leases to deposits | 34.7450% | 7,850 |
| Net loans and leases to core deposits | 39.6354% | 7,855 |
| Total domestic deposits to total assets | 92.4150% | 127 |
| Equity capital to assets | 6.8858% | 7,645 |
| Core capital (leverage) ratio | 6.4461% | 7,691 |
| Tier 1 risk-based capital ratio | 14.4020% | 3,330 |
| Total risk-based capital ratio | 15.4268% | 3,399 |
| Memoranda: | ||
| Average total assets | $173,387,000 | 3,567 |
| Average earning assets | $161,927,500 | 3,514 |
| Average equity | $11,375,250 | 4,953 |
| Average total loans | $57,468,000 | 5,403 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4950% | 4,662 |
| Cost of funding earning assets | 1.3457% | 6,665 |
| Net interest margin | 4.1493% | 2,160 |
| Noninterest income to average assets | 1.2081% | 1,067 |
| Noninterest expense to average assets | 3.1076% | 3,670 |
| Loan and lease loss provision to assets | 0.3381% | 3,913 |
| Net operating income to assets | 1.2374% | 1,389 |
| Return on assets (ROA) | 1.2374% | 1,466 |
| Pretax return on assets | 1.6283% | 1,154 |
| Return on Equity (ROE) | 19.2009% | 390 |
| Retained earnings to average equity (ytd only) | 19.2009% | 83 |
| Net charge-offs to loans | 0.0950% | 5,226 |
| Credit loss provision to net charge-offs | 1,066.6667% | 465 |
| Earnings coverage of net charge-offs (x) | 62.0370% | 577 |
| Efficiency ratio | 61.2448% | 6,359 |
| Assets per employee ($millions) | 4.8439% | 2,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 2,910 |
| Loan loss allowance to noncurrent loans | 181.1133% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 5,992 |
| Noncurrent loans to loans | 0.8615% | 5,493 |
| Net loans and leases to total assets | 32.9592% | 7,809 |
| Net loans and leases to deposits | 35.5414% | 7,908 |
| Net loans and leases to core deposits | 41.0713% | 7,920 |
| Total domestic deposits to total assets | 92.7348% | 119 |
| Equity capital to assets | 6.6648% | 7,764 |
| Core capital (leverage) ratio | 6.2781% | 7,861 |
| Tier 1 risk-based capital ratio | 13.5093% | 3,813 |
| Total risk-based capital ratio | 14.6771% | 3,799 |
| Memoranda: | ||
| Average total assets | $170,356,670 | 3,628 |
| Average earning assets | $158,726,330 | 3,587 |
| Average equity | $10,978,670 | 5,092 |
| Average total loans | $56,827,000 | 5,475 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5649% | 4,546 |
| Cost of funding earning assets | 1.4887% | 6,437 |
| Net interest margin | 4.0762% | 2,375 |
| Noninterest income to average assets | 1.2641% | 893 |
| Noninterest expense to average assets | 3.0319% | 3,622 |
| Loan and lease loss provision to assets | 0.3659% | 3,125 |
| Net operating income to assets | 1.2569% | 1,488 |
| Return on assets (ROA) | 1.2569% | 1,588 |
| Pretax return on assets | 1.6656% | 1,255 |
| Return on Equity (ROE) | 19.8555% | 435 |
| Retained earnings to average equity (ytd only) | 19.8555% | 167 |
| Net charge-offs to loans | 0.0999% | 4,175 |
| Credit loss provision to net charge-offs | 1,100.0000% | 572 |
| Earnings coverage of net charge-offs (x) | 61.0714% | 639 |
| Efficiency ratio | 59.8780% | 6,426 |
| Assets per employee ($millions) | 4.9213% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 3,591 |
| Loan loss allowance to noncurrent loans | 141.2500% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 6,536 |
| Noncurrent loans to loans | 0.9796% | 5,037 |
| Net loans and leases to total assets | 32.7307% | 7,842 |
| Net loans and leases to deposits | 35.2154% | 7,954 |
| Net loans and leases to core deposits | 40.4972% | 7,971 |
| Total domestic deposits to total assets | 92.9444% | 91 |
| Equity capital to assets | 6.3886% | 7,908 |
| Core capital (leverage) ratio | 6.2450% | 7,956 |
| Tier 1 risk-based capital ratio | 13.0003% | 4,178 |
| Total risk-based capital ratio | 14.0299% | 4,249 |
| Memoranda: | ||
| Average total assets | $168,345,500 | 3,682 |
| Average earning assets | $156,912,000 | 3,631 |
| Average equity | $10,657,000 | 5,198 |
| Average total loans | $56,048,000 | 5,540 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8789% | 6,141 |
| Cost of funding earning assets | 2.0345% | 6,304 |
| Net interest margin | 3.8444% | 3,818 |
| Noninterest income to average assets | 1.4180% | 717 |
| Noninterest expense to average assets | 3.0525% | 3,888 |
| Loan and lease loss provision to assets | 0.4247% | 3,156 |
| Net operating income to assets | 1.1109% | 2,106 |
| Return on assets (ROA) | 1.1485% | 1,875 |
| Pretax return on assets | 1.5456% | 1,549 |
| Return on Equity (ROE) | 18.5915% | 482 |
| Retained earnings to average equity (ytd only) | 14.4184% | 107 |
| Net charge-offs to loans | 0.7611% | 1,630 |
| Credit loss provision to net charge-offs | 175.7333% | 2,890 |
| Earnings coverage of net charge-offs (x) | 7.9413% | 2,984 |
| Efficiency ratio | 61.3949% | 6,084 |
| Assets per employee ($millions) | 4.6985% | 2,330 |
| Cash dividends to net income (ytd only)* | 22.4467% | 4,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 4,661 |
| Loan loss allowance to noncurrent loans | 101.7188% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 6,071 |
| Noncurrent loans to loans | 1.1652% | 4,196 |
| Net loans and leases to total assets | 33.0060% | 7,915 |
| Net loans and leases to deposits | 36.6838% | 8,007 |
| Net loans and leases to core deposits | 40.9508% | 8,036 |
| Total domestic deposits to total assets | 89.9742% | 652 |
| Equity capital to assets | 6.2695% | 8,002 |
| Core capital (leverage) ratio | 5.9295% | 8,100 |
| Tier 1 risk-based capital ratio | 12.8121% | 4,211 |
| Total risk-based capital ratio | 13.6963% | 4,380 |
| Memoranda: | ||
| Average total assets | $155,153,400 | 3,798 |
| Average earning assets | $143,429,400 | 3,774 |
| Average equity | $9,585,000 | 5,540 |
| Average total loans | $49,272,400 | 5,733 |