Home > FirstBank of South Jeffco > Performance and Condition Ratios
FirstBank of South Jeffco, 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 | 4.8923% | 5,304 |
| Cost of funding earning assets | 0.6472% | 7,185 |
| Net interest margin | 4.2451% | 2,050 |
| Noninterest income to average assets | 1.0300% | 1,372 |
| Noninterest expense to average assets | 2.0349% | 6,989 |
| Loan and lease loss provision to assets | 0.1657% | 5,386 |
| Net operating income to assets | 2.0134% | 330 |
| Return on assets (ROA) | 1.9576% | 393 |
| Pretax return on assets | 2.8406% | 147 |
| Return on Equity (ROE) | 27.1140% | 74 |
| Retained earnings to average equity (ytd only) | 6.5938% | 2,047 |
| Net charge-offs to loans | 0.1800% | 4,875 |
| Credit loss provision to net charge-offs | 276.8977% | 1,180 |
| Earnings coverage of net charge-offs (x) | 51.5775% | 556 |
| Efficiency ratio | 39.7277% | 7,588 |
| Assets per employee ($millions) | 8.9332% | 355 |
| Cash dividends to net income (ytd only)* | 75.6811% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7811% | 2,843 |
| Loan loss allowance to noncurrent loans | 204.1940% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4918% | 6,197 |
| Noncurrent loans to loans | 0.8722% | 5,477 |
| Net loans and leases to total assets | 32.8236% | 7,383 |
| Net loans and leases to deposits | 35.8731% | 7,475 |
| Net loans and leases to core deposits | 36.8124% | 7,488 |
| Total domestic deposits to total assets | 91.4992% | 308 |
| Equity capital to assets | 7.5462% | 7,099 |
| Core capital (leverage) ratio | 6.6263% | 7,300 |
| Tier 1 risk-based capital ratio | 14.9847% | 3,259 |
| Total risk-based capital ratio | 16.2364% | 3,244 |
| Memoranda: | ||
| Average total assets | $674,948,500 | 990 |
| Average earning assets | $650,614,500 | 939 |
| Average equity | $48,731,250 | 1,380 |
| Average total loans | $224,482,750 | 1,962 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9170% | 5,316 |
| Cost of funding earning assets | 0.6757% | 7,243 |
| Net interest margin | 4.2413% | 2,011 |
| Noninterest income to average assets | 1.0252% | 1,297 |
| Noninterest expense to average assets | 2.0017% | 7,109 |
| Loan and lease loss provision to assets | 0.0377% | 6,582 |
| Net operating income to assets | 2.1164% | 273 |
| Return on assets (ROA) | 2.0326% | 344 |
| Pretax return on assets | 2.9515% | 134 |
| Return on Equity (ROE) | 28.5861% | 68 |
| Retained earnings to average equity (ytd only) | 9.7960% | 890 |
| Net charge-offs to loans | 0.2280% | 4,232 |
| Credit loss provision to net charge-offs | 49.8039% | 5,423 |
| Earnings coverage of net charge-offs (x) | 41.0863% | 710 |
| Efficiency ratio | 39.1544% | 7,656 |
| Assets per employee ($millions) | 8.6299% | 390 |
| Cash dividends to net income (ytd only)* | 65.7318% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 3,928 |
| Loan loss allowance to noncurrent loans | 167.1450% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.5023% | 6,202 |
| Noncurrent loans to loans | 0.8984% | 5,478 |
| Net loans and leases to total assets | 32.9154% | 7,454 |
| Net loans and leases to deposits | 35.8658% | 7,534 |
| Net loans and leases to core deposits | 36.8337% | 7,551 |
| Total domestic deposits to total assets | 91.7739% | 266 |
| Equity capital to assets | 7.4089% | 7,165 |
| Core capital (leverage) ratio | 6.6279% | 7,340 |
| Tier 1 risk-based capital ratio | 15.0542% | 3,131 |
| Total risk-based capital ratio | 16.2308% | 3,130 |
| Memoranda: | ||
| Average total assets | $673,623,330 | 1,002 |
| Average earning assets | $649,136,330 | 946 |
| Average equity | $47,897,330 | 1,397 |
| Average total loans | $223,681,000 | 1,992 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8462% | 5,697 |
| Cost of funding earning assets | 0.6951% | 7,340 |
| Net interest margin | 4.1511% | 2,228 |
| Noninterest income to average assets | 1.0014% | 1,303 |
| Noninterest expense to average assets | 1.9487% | 7,255 |
| Loan and lease loss provision to assets | 0.0991% | 5,642 |
| Net operating income to assets | 2.0492% | 321 |
| Return on assets (ROA) | 1.8817% | 455 |
| Pretax return on assets | 2.7091% | 183 |
| Return on Equity (ROE) | 27.0305% | 119 |
| Retained earnings to average equity (ytd only) | 9.9766% | 1,145 |
| Net charge-offs to loans | 0.2564% | 3,402 |
| Credit loss provision to net charge-offs | 116.7832% | 2,983 |
| Earnings coverage of net charge-offs (x) | 35.9441% | 763 |
| Efficiency ratio | 38.9766% | 7,759 |
| Assets per employee ($millions) | 8.6682% | 393 |
| Cash dividends to net income (ytd only)* | 63.0915% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5790% | 3,533 |
| Loan loss allowance to noncurrent loans | 338.9049% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 7,092 |
| Noncurrent loans to loans | 0.4659% | 6,366 |
| Net loans and leases to total assets | 32.5243% | 7,552 |
| Net loans and leases to deposits | 35.3144% | 7,634 |
| Net loans and leases to core deposits | 36.2338% | 7,649 |
| Total domestic deposits to total assets | 92.0991% | 224 |
| Equity capital to assets | 7.1059% | 7,325 |
| Core capital (leverage) ratio | 6.5260% | 7,456 |
| Tier 1 risk-based capital ratio | 14.6461% | 3,293 |
| Total risk-based capital ratio | 15.8727% | 3,270 |
| Memoranda: | ||
| Average total assets | $673,868,000 | 1,021 |
| Average earning assets | $649,088,000 | 966 |
| Average equity | $46,910,000 | 1,435 |
| Average total loans | $223,050,000 | 2,050 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2964% | 5,191 |
| Cost of funding earning assets | 1.0766% | 7,044 |
| Net interest margin | 4.2198% | 2,002 |
| Noninterest income to average assets | 1.1289% | 1,211 |
| Noninterest expense to average assets | 2.2263% | 6,925 |
| Loan and lease loss provision to assets | 0.1688% | 6,002 |
| Net operating income to assets | 1.9927% | 233 |
| Return on assets (ROA) | 1.9668% | 254 |
| Pretax return on assets | 2.7645% | 115 |
| Return on Equity (ROE) | 29.5091% | 52 |
| Retained earnings to average equity (ytd only) | 12.7924% | 165 |
| Net charge-offs to loans | 0.3146% | 4,668 |
| Credit loss provision to net charge-offs | 160.1199% | 2,789 |
| Earnings coverage of net charge-offs (x) | 28.1739% | 809 |
| Efficiency ratio | 42.8450% | 7,804 |
| Assets per employee ($millions) | 8.5015% | 417 |
| Cash dividends to net income (ytd only)* | 56.6493% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5736% | 3,386 |
| Loan loss allowance to noncurrent loans | 329.9435% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 7,082 |
| Noncurrent loans to loans | 0.4769% | 6,301 |
| Net loans and leases to total assets | 32.6324% | 7,640 |
| Net loans and leases to deposits | 35.2856% | 7,738 |
| Net loans and leases to core deposits | 39.2483% | 7,771 |
| Total domestic deposits to total assets | 92.4810% | 181 |
| Equity capital to assets | 6.8158% | 7,458 |
| Core capital (leverage) ratio | 6.4460% | 7,513 |
| Tier 1 risk-based capital ratio | 14.2452% | 3,347 |
| Total risk-based capital ratio | 15.4641% | 3,321 |
| Memoranda: | ||
| Average total assets | $632,763,400 | 1,096 |
| Average earning assets | $609,882,600 | 1,027 |
| Average equity | $42,173,400 | 1,585 |
| Average total loans | $211,996,000 | 2,173 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3926% | 4,981 |
| Cost of funding earning assets | 1.1467% | 7,049 |
| Net interest margin | 4.2459% | 1,884 |
| Noninterest income to average assets | 1.1451% | 1,198 |
| Noninterest expense to average assets | 2.2093% | 6,950 |
| Loan and lease loss provision to assets | 0.1181% | 6,186 |
| Net operating income to assets | 2.0112% | 284 |
| Return on assets (ROA) | 1.9771% | 331 |
| Pretax return on assets | 2.8631% | 120 |
| Return on Equity (ROE) | 29.8462% | 63 |
| Retained earnings to average equity (ytd only) | 15.1476% | 156 |
| Net charge-offs to loans | 0.1796% | 4,952 |
| Credit loss provision to net charge-offs | 195.7447% | 2,298 |
| Earnings coverage of net charge-offs (x) | 50.2199% | 632 |
| Efficiency ratio | 42.1629% | 7,885 |
| Assets per employee ($millions) | 8.2578% | 467 |
| Cash dividends to net income (ytd only)* | 49.2478% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 3,245 |
| Loan loss allowance to noncurrent loans | 321.3333% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 7,137 |
| Noncurrent loans to loans | 0.4784% | 6,360 |
| Net loans and leases to total assets | 33.1236% | 7,712 |
| Net loans and leases to deposits | 35.8766% | 7,829 |
| Net loans and leases to core deposits | 39.9923% | 7,852 |
| Total domestic deposits to total assets | 92.3267% | 138 |
| Equity capital to assets | 6.9942% | 7,601 |
| Core capital (leverage) ratio | 6.4703% | 7,687 |
| Tier 1 risk-based capital ratio | 14.3764% | 3,340 |
| Total risk-based capital ratio | 15.5819% | 3,312 |
| Memoranda: | ||
| Average total assets | $623,049,250 | 1,129 |
| Average earning assets | $600,882,000 | 1,058 |
| Average equity | $41,272,750 | 1,642 |
| Average total loans | $209,327,500 | 2,224 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5042% | 4,602 |
| Cost of funding earning assets | 1.2314% | 7,016 |
| Net interest margin | 4.2729% | 1,742 |
| Noninterest income to average assets | 1.1440% | 1,198 |
| Noninterest expense to average assets | 2.2590% | 6,890 |
| Loan and lease loss provision to assets | 0.0561% | 6,660 |
| Net operating income to assets | 2.0284% | 277 |
| Return on assets (ROA) | 2.0284% | 301 |
| Pretax return on assets | 2.9435% | 110 |
| Return on Equity (ROE) | 31.2398% | 60 |
| Retained earnings to average equity (ytd only) | 15.9212% | 164 |
| Net charge-offs to loans | 0.0651% | 5,587 |
| Credit loss provision to net charge-offs | 256.7164% | 1,816 |
| Earnings coverage of net charge-offs (x) | 137.2836% | 289 |
| Efficiency ratio | 42.9581% | 7,958 |
| Assets per employee ($millions) | 7.7131% | 556 |
| Cash dividends to net income (ytd only)* | 49.0354% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 3,309 |
| Loan loss allowance to noncurrent loans | 9,171.4286% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 7,641 |
| Noncurrent loans to loans | 0.0161% | 7,514 |
| Net loans and leases to total assets | 33.7800% | 7,783 |
| Net loans and leases to deposits | 36.3834% | 7,893 |
| Net loans and leases to core deposits | 40.1189% | 7,930 |
| Total domestic deposits to total assets | 92.8446% | 109 |
| Equity capital to assets | 6.6805% | 7,759 |
| Core capital (leverage) ratio | 6.4648% | 7,814 |
| Tier 1 risk-based capital ratio | 13.9946% | 3,521 |
| Total risk-based capital ratio | 15.1537% | 3,512 |
| Memoranda: | ||
| Average total assets | $613,277,330 | 1,163 |
| Average earning assets | $590,562,330 | 1,103 |
| Average equity | $39,821,000 | 1,708 |
| Average total loans | $205,949,670 | 2,281 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6063% | 4,316 |
| Cost of funding earning assets | 1.3803% | 6,784 |
| Net interest margin | 4.2260% | 1,818 |
| Noninterest income to average assets | 1.1456% | 1,124 |
| Noninterest expense to average assets | 2.1846% | 6,906 |
| Loan and lease loss provision to assets | 0.0179% | 6,652 |
| Net operating income to assets | 2.0739% | 304 |
| Return on assets (ROA) | 2.0739% | 348 |
| Pretax return on assets | 3.0188% | 125 |
| Return on Equity (ROE) | 32.4306% | 78 |
| Retained earnings to average equity (ytd only) | 16.8888% | 284 |
| Net charge-offs to loans | 0.0698% | 4,501 |
| Credit loss provision to net charge-offs | 77.1429% | 4,237 |
| Earnings coverage of net charge-offs (x) | 130.9429% | 332 |
| Efficiency ratio | 41.8401% | 8,003 |
| Assets per employee ($millions) | 8.0763% | 490 |
| Cash dividends to net income (ytd only)* | 47.9233% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 2,788 |
| Loan loss allowance to noncurrent loans | 7,742.5000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 7,629 |
| Noncurrent loans to loans | 0.0198% | 7,498 |
| Net loans and leases to total assets | 31.9457% | 7,869 |
| Net loans and leases to deposits | 34.8040% | 7,969 |
| Net loans and leases to core deposits | 38.0930% | 8,003 |
| Total domestic deposits to total assets | 91.7874% | 213 |
| Equity capital to assets | 6.4339% | 7,894 |
| Core capital (leverage) ratio | 6.3521% | 7,924 |
| Tier 1 risk-based capital ratio | 13.9264% | 3,633 |
| Total risk-based capital ratio | 15.0848% | 3,599 |
| Memoranda: | ||
| Average total assets | $603,680,000 | 1,185 |
| Average earning assets | $582,202,000 | 1,122 |
| Average equity | $38,605,500 | 1,759 |
| Average total loans | $200,495,000 | 2,362 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8670% | 6,196 |
| Cost of funding earning assets | 1.8798% | 6,789 |
| Net interest margin | 3.9872% | 3,178 |
| Noninterest income to average assets | 1.2816% | 894 |
| Noninterest expense to average assets | 2.0574% | 7,329 |
| Loan and lease loss provision to assets | 0.2421% | 4,489 |
| Net operating income to assets | 1.9590% | 390 |
| Return on assets (ROA) | 1.5820% | 824 |
| Pretax return on assets | 2.2691% | 339 |
| Return on Equity (ROE) | 26.0000% | 116 |
| Retained earnings to average equity (ytd only) | 9.5725% | 513 |
| Net charge-offs to loans | 0.0939% | 5,393 |
| Credit loss provision to net charge-offs | 807.3446% | 539 |
| Earnings coverage of net charge-offs (x) | 101.7062% | 430 |
| Efficiency ratio | 40.2840% | 8,126 |
| Assets per employee ($millions) | 7.8065% | 490 |
| Cash dividends to net income (ytd only)* | 63.1827% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 2,413 |
| Loan loss allowance to noncurrent loans | 8,622.2222% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 7,622 |
| Noncurrent loans to loans | 0.0181% | 7,455 |
| Net loans and leases to total assets | 33.4982% | 7,904 |
| Net loans and leases to deposits | 36.0679% | 8,026 |
| Net loans and leases to core deposits | 38.9285% | 8,069 |
| Total domestic deposits to total assets | 92.8753% | 63 |
| Equity capital to assets | 6.3537% | 7,976 |
| Core capital (leverage) ratio | 5.9510% | 8,094 |
| Tier 1 risk-based capital ratio | 13.7685% | 3,663 |
| Total risk-based capital ratio | 14.9674% | 3,607 |
| Memoranda: | ||
| Average total assets | $590,269,600 | 1,142 |
| Average earning assets | $566,340,200 | 1,090 |
| Average equity | $35,915,400 | 1,876 |
| Average total loans | $188,580,000 | 2,414 |