Home > FirstBank of Vail > Performance and Condition Ratios
FirstBank of Vail, 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 | 5.3719% | 3,019 |
| Cost of funding earning assets | 0.5163% | 7,425 |
| Net interest margin | 4.8556% | 599 |
| Noninterest income to average assets | 0.7005% | 2,810 |
| Noninterest expense to average assets | 2.6301% | 5,198 |
| Loan and lease loss provision to assets | 0.8512% | 1,784 |
| Net operating income to assets | 1.2114% | 1,563 |
| Return on assets (ROA) | 1.2114% | 1,645 |
| Pretax return on assets | 1.7658% | 983 |
| Return on Equity (ROE) | 14.5481% | 932 |
| Retained earnings to average equity (ytd only) | -0.6643% | 5,960 |
| Net charge-offs to loans | 0.5713% | 3,039 |
| Credit loss provision to net charge-offs | 195.5383% | 1,823 |
| Earnings coverage of net charge-offs (x) | 6.0116% | 2,618 |
| Efficiency ratio | 50.1247% | 7,139 |
| Assets per employee ($millions) | 7.5591% | 612 |
| Cash dividends to net income (ytd only)* | 104.5660% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3613% | 1,528 |
| Loan loss allowance to noncurrent loans | 115.2532% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 1.7340% | 3,841 |
| Noncurrent loans to loans | 2.0488% | 3,620 |
| Net loans and leases to total assets | 75.6096% | 1,477 |
| Net loans and leases to deposits | 88.8231% | 1,887 |
| Net loans and leases to core deposits | 91.8863% | 2,824 |
| Total domestic deposits to total assets | 85.1238% | 3,559 |
| Equity capital to assets | 8.7889% | 5,873 |
| Core capital (leverage) ratio | 8.4674% | 5,563 |
| Tier 1 risk-based capital ratio | 13.3990% | 4,272 |
| Total risk-based capital ratio | 14.6696% | 4,218 |
| Memoranda: | ||
| Average total assets | $315,771,500 | 2,089 |
| Average earning assets | $295,681,250 | 2,033 |
| Average equity | $26,293,750 | 2,471 |
| Average total loans | $240,621,250 | 1,841 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3448% | 3,238 |
| Cost of funding earning assets | 0.5449% | 7,485 |
| Net interest margin | 4.7999% | 665 |
| Noninterest income to average assets | 0.7258% | 2,546 |
| Noninterest expense to average assets | 2.6155% | 5,261 |
| Loan and lease loss provision to assets | 0.5319% | 2,657 |
| Net operating income to assets | 1.3943% | 1,105 |
| Return on assets (ROA) | 1.3943% | 1,170 |
| Pretax return on assets | 2.0641% | 532 |
| Return on Equity (ROE) | 17.0525% | 559 |
| Retained earnings to average equity (ytd only) | -6.0434% | 6,659 |
| Net charge-offs to loans | 0.2707% | 3,990 |
| Credit loss provision to net charge-offs | 259.2025% | 1,468 |
| Earnings coverage of net charge-offs (x) | 12.6503% | 1,660 |
| Efficiency ratio | 50.1872% | 7,210 |
| Assets per employee ($millions) | 7.3429% | 659 |
| Cash dividends to net income (ytd only)* | 135.4402% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1585% | 1,848 |
| Loan loss allowance to noncurrent loans | 96.1361% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 2.2930% | 3,136 |
| Noncurrent loans to loans | 2.2452% | 3,434 |
| Net loans and leases to total assets | 74.6518% | 1,777 |
| Net loans and leases to deposits | 86.0513% | 2,497 |
| Net loans and leases to core deposits | 89.3166% | 3,369 |
| Total domestic deposits to total assets | 86.7526% | 2,674 |
| Equity capital to assets | 8.3624% | 6,341 |
| Core capital (leverage) ratio | 8.1057% | 6,107 |
| Tier 1 risk-based capital ratio | 12.9770% | 4,468 |
| Total risk-based capital ratio | 14.2444% | 4,409 |
| Memoranda: | ||
| Average total assets | $317,720,330 | 2,090 |
| Average earning assets | $296,922,330 | 2,047 |
| Average equity | $25,978,670 | 2,491 |
| Average total loans | $240,828,330 | 1,870 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3516% | 3,292 |
| Cost of funding earning assets | 0.5567% | 7,594 |
| Net interest margin | 4.7949% | 653 |
| Noninterest income to average assets | 0.7192% | 2,473 |
| Noninterest expense to average assets | 2.5867% | 5,404 |
| Loan and lease loss provision to assets | 0.6853% | 1,857 |
| Net operating income to assets | 1.3040% | 1,288 |
| Return on assets (ROA) | 1.3040% | 1,358 |
| Pretax return on assets | 1.9228% | 702 |
| Return on Equity (ROE) | 16.1298% | 700 |
| Retained earnings to average equity (ytd only) | -30.4432% | 7,556 |
| Net charge-offs to loans | 0.0482% | 4,921 |
| Credit loss provision to net charge-offs | 1,882.7586% | 271 |
| Earnings coverage of net charge-offs (x) | 71.6552% | 433 |
| Efficiency ratio | 49.7946% | 7,332 |
| Assets per employee ($millions) | 7.5198% | 641 |
| Cash dividends to net income (ytd only)* | 288.7392% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1632% | 1,826 |
| Loan loss allowance to noncurrent loans | 135.5764% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 1.7136% | 3,905 |
| Noncurrent loans to loans | 1.5955% | 4,350 |
| Net loans and leases to total assets | 72.7066% | 2,281 |
| Net loans and leases to deposits | 79.2270% | 3,798 |
| Net loans and leases to core deposits | 81.8419% | 4,515 |
| Total domestic deposits to total assets | 91.7700% | 299 |
| Equity capital to assets | 7.6916% | 6,935 |
| Core capital (leverage) ratio | 7.7154% | 6,607 |
| Tier 1 risk-based capital ratio | 12.2641% | 4,931 |
| Total risk-based capital ratio | 13.5317% | 4,883 |
| Memoranda: | ||
| Average total assets | $318,707,500 | 2,135 |
| Average earning assets | $297,482,000 | 2,094 |
| Average equity | $25,766,000 | 2,531 |
| Average total loans | $240,787,500 | 1,922 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7705% | 2,783 |
| Cost of funding earning assets | 0.7922% | 7,568 |
| Net interest margin | 4.9782% | 472 |
| Noninterest income to average assets | 0.7315% | 2,778 |
| Noninterest expense to average assets | 2.4462% | 6,315 |
| Loan and lease loss provision to assets | 0.7451% | 2,877 |
| Net operating income to assets | 1.4970% | 678 |
| Return on assets (ROA) | 1.6476% | 520 |
| Pretax return on assets | 2.4822% | 162 |
| Return on Equity (ROE) | 21.6847% | 177 |
| Retained earnings to average equity (ytd only) | 10.1399% | 357 |
| Net charge-offs to loans | 0.5825% | 3,476 |
| Credit loss provision to net charge-offs | 173.6660% | 2,435 |
| Earnings coverage of net charge-offs (x) | 6.9903% | 2,250 |
| Efficiency ratio | 44.9219% | 7,750 |
| Assets per employee ($millions) | 7.3038% | 710 |
| Cash dividends to net income (ytd only)* | 53.2395% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9401% | 2,168 |
| Loan loss allowance to noncurrent loans | 80.9022% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.8423% | 3,611 |
| Noncurrent loans to loans | 2.3981% | 3,162 |
| Net loans and leases to total assets | 75.3345% | 1,956 |
| Net loans and leases to deposits | 82.8148% | 3,483 |
| Net loans and leases to core deposits | 89.6986% | 5,165 |
| Total domestic deposits to total assets | 90.9674% | 545 |
| Equity capital to assets | 8.4891% | 5,897 |
| Core capital (leverage) ratio | 8.4845% | 5,301 |
| Tier 1 risk-based capital ratio | 13.3393% | 3,921 |
| Total risk-based capital ratio | 14.6035% | 3,857 |
| Memoranda: | ||
| Average total assets | $336,316,800 | 2,021 |
| Average earning assets | $318,467,000 | 1,960 |
| Average equity | $25,552,600 | 2,559 |
| Average total loans | $247,724,400 | 1,903 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8235% | 2,785 |
| Cost of funding earning assets | 0.8288% | 7,656 |
| Net interest margin | 4.9947% | 446 |
| Noninterest income to average assets | 0.7308% | 2,820 |
| Noninterest expense to average assets | 2.4269% | 6,327 |
| Loan and lease loss provision to assets | 0.4575% | 3,620 |
| Net operating income to assets | 1.7078% | 555 |
| Return on assets (ROA) | 1.7078% | 584 |
| Pretax return on assets | 2.5942% | 166 |
| Return on Equity (ROE) | 23.0995% | 169 |
| Retained earnings to average equity (ytd only) | 10.1756% | 604 |
| Net charge-offs to loans | 0.4647% | 3,362 |
| Credit loss provision to net charge-offs | 134.9827% | 3,679 |
| Earnings coverage of net charge-offs (x) | 9.0046% | 2,166 |
| Efficiency ratio | 44.2981% | 7,829 |
| Assets per employee ($millions) | 7.7906% | 557 |
| Cash dividends to net income (ytd only)* | 55.9489% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 3,013 |
| Loan loss allowance to noncurrent loans | 184.3515% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.6352% | 5,858 |
| Noncurrent loans to loans | 0.8649% | 5,563 |
| Net loans and leases to total assets | 72.2731% | 2,963 |
| Net loans and leases to deposits | 93.1881% | 2,028 |
| Net loans and leases to core deposits | 100.5474% | 4,316 |
| Total domestic deposits to total assets | 77.5561% | 6,204 |
| Equity capital to assets | 7.8858% | 6,957 |
| Core capital (leverage) ratio | 7.6824% | 6,750 |
| Tier 1 risk-based capital ratio | 12.7119% | 4,384 |
| Total risk-based capital ratio | 13.9711% | 4,326 |
| Memoranda: | ||
| Average total assets | $341,880,500 | 2,005 |
| Average earning assets | $324,975,250 | 1,931 |
| Average equity | $25,275,500 | 2,606 |
| Average total loans | $249,336,000 | 1,922 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8658% | 2,736 |
| Cost of funding earning assets | 0.9045% | 7,689 |
| Net interest margin | 4.9614% | 472 |
| Noninterest income to average assets | 0.7432% | 2,738 |
| Noninterest expense to average assets | 2.4668% | 6,236 |
| Loan and lease loss provision to assets | 0.2638% | 4,468 |
| Net operating income to assets | 1.7886% | 477 |
| Return on assets (ROA) | 1.7886% | 514 |
| Pretax return on assets | 2.7271% | 144 |
| Return on Equity (ROE) | 24.7279% | 141 |
| Retained earnings to average equity (ytd only) | 14.6857% | 219 |
| Net charge-offs to loans | 0.2260% | 4,084 |
| Credit loss provision to net charge-offs | 160.4240% | 2,863 |
| Earnings coverage of net charge-offs (x) | 18.1873% | 1,424 |
| Efficiency ratio | 45.1980% | 7,880 |
| Assets per employee ($millions) | 8.0085% | 496 |
| Cash dividends to net income (ytd only)* | 40.6108% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 3,169 |
| Loan loss allowance to noncurrent loans | 195.9152% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.5616% | 6,020 |
| Noncurrent loans to loans | 0.7677% | 5,698 |
| Net loans and leases to total assets | 72.0520% | 3,209 |
| Net loans and leases to deposits | 98.7908% | 1,425 |
| Net loans and leases to core deposits | 106.2931% | 3,804 |
| Total domestic deposits to total assets | 72.9340% | 7,119 |
| Equity capital to assets | 7.5670% | 7,211 |
| Core capital (leverage) ratio | 7.5474% | 6,964 |
| Tier 1 risk-based capital ratio | 12.1974% | 4,754 |
| Total risk-based capital ratio | 13.4549% | 4,658 |
| Memoranda: | ||
| Average total assets | $344,175,330 | 2,008 |
| Average earning assets | $327,045,670 | 1,933 |
| Average equity | $24,895,000 | 2,648 |
| Average total loans | $250,436,330 | 1,944 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8662% | 2,958 |
| Cost of funding earning assets | 1.0607% | 7,581 |
| Net interest margin | 4.8055% | 600 |
| Noninterest income to average assets | 0.7731% | 2,464 |
| Noninterest expense to average assets | 2.4634% | 5,984 |
| Loan and lease loss provision to assets | 0.0302% | 6,552 |
| Net operating income to assets | 1.8612% | 471 |
| Return on assets (ROA) | 1.8612% | 524 |
| Pretax return on assets | 2.8458% | 145 |
| Return on Equity (ROE) | 26.3393% | 161 |
| Retained earnings to average equity (ytd only) | 18.1134% | 227 |
| Net charge-offs to loans | 0.1314% | 3,909 |
| Credit loss provision to net charge-offs | 31.7073% | 4,928 |
| Earnings coverage of net charge-offs (x) | 30.1707% | 1,049 |
| Efficiency ratio | 46.1354% | 7,839 |
| Assets per employee ($millions) | 7.7599% | 555 |
| Cash dividends to net income (ytd only)* | 31.2305% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 3,278 |
| Loan loss allowance to noncurrent loans | 154.3761% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.6760% | 5,473 |
| Noncurrent loans to loans | 0.9338% | 5,131 |
| Net loans and leases to total assets | 71.3469% | 3,389 |
| Net loans and leases to deposits | 87.9802% | 3,295 |
| Net loans and leases to core deposits | 94.7562% | 5,084 |
| Total domestic deposits to total assets | 81.0943% | 4,929 |
| Equity capital to assets | 7.3331% | 7,466 |
| Core capital (leverage) ratio | 7.2761% | 7,400 |
| Tier 1 risk-based capital ratio | 11.9374% | 5,014 |
| Total risk-based capital ratio | 13.1937% | 4,917 |
| Memoranda: | ||
| Average total assets | $344,080,500 | 2,017 |
| Average earning assets | $326,957,000 | 1,936 |
| Average equity | $24,313,500 | 2,731 |
| Average total loans | $249,699,000 | 1,967 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9483% | 5,818 |
| Cost of funding earning assets | 1.7953% | 7,022 |
| Net interest margin | 4.1530% | 2,489 |
| Noninterest income to average assets | 0.7837% | 2,598 |
| Noninterest expense to average assets | 2.2407% | 6,864 |
| Loan and lease loss provision to assets | 0.5259% | 2,712 |
| Net operating income to assets | 1.3275% | 1,410 |
| Return on assets (ROA) | 1.3312% | 1,355 |
| Pretax return on assets | 1.9747% | 651 |
| Return on Equity (ROE) | 21.1710% | 295 |
| Retained earnings to average equity (ytd only) | 16.2517% | 63 |
| Net charge-offs to loans | 0.2565% | 3,706 |
| Credit loss provision to net charge-offs | 311.1481% | 1,449 |
| Earnings coverage of net charge-offs (x) | 14.7621% | 2,004 |
| Efficiency ratio | 47.3159% | 7,859 |
| Assets per employee ($millions) | 8.2554% | 431 |
| Cash dividends to net income (ytd only)* | 23.2362% | 4,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 3,006 |
| Loan loss allowance to noncurrent loans | 146.2409% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.7135% | 5,083 |
| Noncurrent loans to loans | 0.9808% | 4,637 |
| Net loans and leases to total assets | 71.7032% | 3,650 |
| Net loans and leases to deposits | 90.0260% | 3,453 |
| Net loans and leases to core deposits | 95.6193% | 5,286 |
| Total domestic deposits to total assets | 79.6473% | 5,149 |
| Equity capital to assets | 6.8034% | 7,828 |
| Core capital (leverage) ratio | 6.6237% | 7,889 |
| Tier 1 risk-based capital ratio | 11.1859% | 5,552 |
| Total risk-based capital ratio | 12.4419% | 5,432 |
| Memoranda: | ||
| Average total assets | $355,605,800 | 1,882 |
| Average earning assets | $338,384,400 | 1,818 |
| Average equity | $22,360,800 | 2,927 |
| Average total loans | $234,346,200 | 2,013 |