Home > FirstBank of Wheat Ridge > Performance and Condition Ratios
FirstBank of Wheat Ridge, 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 | 4.7984% | 5,663 |
| Cost of funding earning assets | 0.7789% | 6,824 |
| Net interest margin | 4.0195% | 3,008 |
| Noninterest income to average assets | 0.8556% | 1,977 |
| Noninterest expense to average assets | 2.2111% | 6,575 |
| Loan and lease loss provision to assets | 0.1347% | 5,682 |
| Net operating income to assets | 1.6747% | 652 |
| Return on assets (ROA) | 1.6732% | 708 |
| Pretax return on assets | 2.3055% | 336 |
| Return on Equity (ROE) | 22.3000% | 187 |
| Retained earnings to average equity (ytd only) | 9.9560% | 806 |
| Net charge-offs to loans | 0.0454% | 6,081 |
| Credit loss provision to net charge-offs | 994.7368% | 298 |
| Earnings coverage of net charge-offs (x) | 180.4046% | 178 |
| Efficiency ratio | 47.5159% | 7,299 |
| Assets per employee ($millions) | 6.7365% | 868 |
| Cash dividends to net income (ytd only)* | 55.3545% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8238% | 2,709 |
| Loan loss allowance to noncurrent loans | 404.7529% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 6,582 |
| Noncurrent loans to loans | 0.4506% | 6,288 |
| Net loans and leases to total assets | 30.3794% | 7,456 |
| Net loans and leases to deposits | 33.2538% | 7,530 |
| Net loans and leases to core deposits | 34.4423% | 7,526 |
| Total domestic deposits to total assets | 91.3560% | 345 |
| Equity capital to assets | 7.8612% | 6,894 |
| Core capital (leverage) ratio | 7.0874% | 7,116 |
| Tier 1 risk-based capital ratio | 16.1803% | 2,683 |
| Total risk-based capital ratio | 17.4310% | 2,631 |
| Memoranda: | ||
| Average total assets | $374,288,250 | 1,782 |
| Average earning assets | $353,637,500 | 1,717 |
| Average equity | $28,083,000 | 2,335 |
| Average total loans | $111,516,250 | 3,566 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8123% | 5,752 |
| Cost of funding earning assets | 0.8083% | 6,879 |
| Net interest margin | 4.0040% | 2,999 |
| Noninterest income to average assets | 0.8460% | 1,899 |
| Noninterest expense to average assets | 2.2046% | 6,635 |
| Loan and lease loss provision to assets | 0.0171% | 6,748 |
| Net operating income to assets | 1.7438% | 534 |
| Return on assets (ROA) | 1.7117% | 630 |
| Pretax return on assets | 2.3643% | 298 |
| Return on Equity (ROE) | 23.1869% | 167 |
| Retained earnings to average equity (ytd only) | 15.9297% | 198 |
| Net charge-offs to loans | 0.1221% | 4,965 |
| Credit loss provision to net charge-offs | 47.7612% | 5,467 |
| Earnings coverage of net charge-offs (x) | 67.5821% | 463 |
| Efficiency ratio | 47.6108% | 7,365 |
| Assets per employee ($millions) | 6.6305% | 903 |
| Cash dividends to net income (ytd only)* | 31.2989% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 3,737 |
| Loan loss allowance to noncurrent loans | 302.4138% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 6,794 |
| Noncurrent loans to loans | 0.5078% | 6,238 |
| Net loans and leases to total assets | 29.7551% | 7,545 |
| Net loans and leases to deposits | 32.5311% | 7,602 |
| Net loans and leases to core deposits | 33.6341% | 7,612 |
| Total domestic deposits to total assets | 91.4669% | 339 |
| Equity capital to assets | 7.7949% | 6,935 |
| Core capital (leverage) ratio | 7.1511% | 7,096 |
| Tier 1 risk-based capital ratio | 16.1924% | 2,593 |
| Total risk-based capital ratio | 17.2760% | 2,618 |
| Memoranda: | ||
| Average total assets | $373,302,330 | 1,801 |
| Average earning assets | $352,846,000 | 1,734 |
| Average equity | $27,558,670 | 2,370 |
| Average total loans | $109,777,000 | 3,644 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7612% | 6,031 |
| Cost of funding earning assets | 0.8365% | 6,983 |
| Net interest margin | 3.9246% | 3,225 |
| Noninterest income to average assets | 0.8281% | 1,892 |
| Noninterest expense to average assets | 2.2082% | 6,666 |
| Loan and lease loss provision to assets | 0.0615% | 6,029 |
| Net operating income to assets | 1.6551% | 679 |
| Return on assets (ROA) | 1.6551% | 728 |
| Pretax return on assets | 2.2664% | 375 |
| Return on Equity (ROE) | 23.0758% | 227 |
| Retained earnings to average equity (ytd only) | 8.0427% | 1,693 |
| Net charge-offs to loans | 0.2789% | 3,297 |
| Credit loss provision to net charge-offs | 76.0000% | 3,975 |
| Earnings coverage of net charge-offs (x) | 28.7867% | 895 |
| Efficiency ratio | 48.6808% | 7,397 |
| Assets per employee ($millions) | 6.3379% | 1,071 |
| Cash dividends to net income (ytd only)* | 65.1466% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6407% | 3,288 |
| Loan loss allowance to noncurrent loans | 74.0385% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.7512% | 5,650 |
| Noncurrent loans to loans | 2.2161% | 3,505 |
| Net loans and leases to total assets | 28.3919% | 7,662 |
| Net loans and leases to deposits | 30.7942% | 7,719 |
| Net loans and leases to core deposits | 31.8144% | 7,720 |
| Total domestic deposits to total assets | 92.1987% | 208 |
| Equity capital to assets | 7.2130% | 7,277 |
| Core capital (leverage) ratio | 6.8395% | 7,334 |
| Tier 1 risk-based capital ratio | 15.3430% | 2,948 |
| Total risk-based capital ratio | 16.4487% | 2,971 |
| Memoranda: | ||
| Average total assets | $370,984,500 | 1,852 |
| Average earning assets | $350,503,500 | 1,781 |
| Average equity | $26,608,000 | 2,458 |
| Average total loans | $107,560,500 | 3,743 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1367% | 5,935 |
| Cost of funding earning assets | 1.2916% | 6,336 |
| Net interest margin | 3.8451% | 3,508 |
| Noninterest income to average assets | 0.9152% | 1,885 |
| Noninterest expense to average assets | 2.3457% | 6,614 |
| Loan and lease loss provision to assets | 0.3182% | 4,908 |
| Net operating income to assets | 1.4002% | 853 |
| Return on assets (ROA) | 1.5161% | 697 |
| Pretax return on assets | 2.0317% | 383 |
| Return on Equity (ROE) | 23.0572% | 133 |
| Retained earnings to average equity (ytd only) | 11.2802% | 267 |
| Net charge-offs to loans | 0.9714% | 2,463 |
| Credit loss provision to net charge-offs | 113.5678% | 4,827 |
| Earnings coverage of net charge-offs (x) | 7.8352% | 2,055 |
| Efficiency ratio | 51.6557% | 7,415 |
| Assets per employee ($millions) | 6.4567% | 1,006 |
| Cash dividends to net income (ytd only)* | 51.0773% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 3,013 |
| Loan loss allowance to noncurrent loans | 75.2209% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 0.7584% | 5,589 |
| Noncurrent loans to loans | 2.2177% | 3,377 |
| Net loans and leases to total assets | 28.6373% | 7,739 |
| Net loans and leases to deposits | 31.0070% | 7,798 |
| Net loans and leases to core deposits | 35.5951% | 7,812 |
| Total domestic deposits to total assets | 92.3574% | 206 |
| Equity capital to assets | 7.1309% | 7,308 |
| Core capital (leverage) ratio | 6.7590% | 7,389 |
| Tier 1 risk-based capital ratio | 16.1505% | 2,451 |
| Total risk-based capital ratio | 17.3512% | 2,408 |
| Memoranda: | ||
| Average total assets | $355,119,800 | 1,913 |
| Average earning assets | $334,866,000 | 1,856 |
| Average equity | $23,350,600 | 2,795 |
| Average total loans | $102,431,800 | 3,884 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2035% | 5,862 |
| Cost of funding earning assets | 1.3685% | 6,342 |
| Net interest margin | 3.8350% | 3,501 |
| Noninterest income to average assets | 0.9059% | 1,961 |
| Noninterest expense to average assets | 2.3552% | 6,540 |
| Loan and lease loss provision to assets | 0.3740% | 4,083 |
| Net operating income to assets | 1.3332% | 1,150 |
| Return on assets (ROA) | 1.4872% | 895 |
| Pretax return on assets | 2.0002% | 541 |
| Return on Equity (ROE) | 23.1279% | 168 |
| Retained earnings to average equity (ytd only) | 6.9236% | 1,536 |
| Net charge-offs to loans | 1.2050% | 1,690 |
| Credit loss provision to net charge-offs | 107.8689% | 4,711 |
| Earnings coverage of net charge-offs (x) | 6.2481% | 2,633 |
| Efficiency ratio | 52.0908% | 7,404 |
| Assets per employee ($millions) | 6.3929% | 1,036 |
| Cash dividends to net income (ytd only)* | 70.0638% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 2,849 |
| Loan loss allowance to noncurrent loans | 72.0551% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 0.7772% | 5,575 |
| Noncurrent loans to loans | 2.2761% | 3,295 |
| Net loans and leases to total assets | 28.3901% | 7,841 |
| Net loans and leases to deposits | 30.6668% | 7,903 |
| Net loans and leases to core deposits | 35.3222% | 7,906 |
| Total domestic deposits to total assets | 92.5760% | 117 |
| Equity capital to assets | 6.8691% | 7,657 |
| Core capital (leverage) ratio | 6.4917% | 7,680 |
| Tier 1 risk-based capital ratio | 15.5583% | 2,788 |
| Total risk-based capital ratio | 16.7446% | 2,768 |
| Memoranda: | ||
| Average total assets | $351,892,000 | 1,942 |
| Average earning assets | $331,739,750 | 1,889 |
| Average equity | $22,627,250 | 2,898 |
| Average total loans | $101,244,250 | 3,952 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3004% | 5,658 |
| Cost of funding earning assets | 1.4629% | 6,287 |
| Net interest margin | 3.8375% | 3,379 |
| Noninterest income to average assets | 0.9076% | 1,955 |
| Noninterest expense to average assets | 2.4013% | 6,454 |
| Loan and lease loss provision to assets | 0.4112% | 3,470 |
| Net operating income to assets | 1.2808% | 1,274 |
| Return on assets (ROA) | 1.5144% | 864 |
| Pretax return on assets | 2.0350% | 514 |
| Return on Equity (ROE) | 24.1272% | 151 |
| Retained earnings to average equity (ytd only) | 8.0913% | 1,181 |
| Net charge-offs to loans | 1.0207% | 1,737 |
| Credit loss provision to net charge-offs | 140.1961% | 3,330 |
| Earnings coverage of net charge-offs (x) | 7.2627% | 2,468 |
| Efficiency ratio | 52.9890% | 7,441 |
| Assets per employee ($millions) | 6.1136% | 1,146 |
| Cash dividends to net income (ytd only)* | 66.4641% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7770% | 2,112 |
| Loan loss allowance to noncurrent loans | 73.0921% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 0.8979% | 5,188 |
| Noncurrent loans to loans | 2.4312% | 2,972 |
| Net loans and leases to total assets | 29.4706% | 7,899 |
| Net loans and leases to deposits | 31.5894% | 7,972 |
| Net loans and leases to core deposits | 36.7918% | 7,967 |
| Total domestic deposits to total assets | 93.2928% | 84 |
| Equity capital to assets | 6.4848% | 7,824 |
| Core capital (leverage) ratio | 6.5179% | 7,787 |
| Tier 1 risk-based capital ratio | 15.5634% | 2,791 |
| Total risk-based capital ratio | 16.8136% | 2,720 |
| Memoranda: | ||
| Average total assets | $347,723,330 | 1,989 |
| Average earning assets | $328,392,000 | 1,925 |
| Average equity | $21,826,000 | 2,997 |
| Average total loans | $99,933,000 | 4,019 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3881% | 5,484 |
| Cost of funding earning assets | 1.5982% | 6,034 |
| Net interest margin | 3.7899% | 3,493 |
| Noninterest income to average assets | 0.8856% | 1,907 |
| Noninterest expense to average assets | 2.3216% | 6,461 |
| Loan and lease loss provision to assets | 0.3593% | 3,162 |
| Net operating income to assets | 1.2906% | 1,403 |
| Return on assets (ROA) | 1.7458% | 641 |
| Pretax return on assets | 2.4114% | 293 |
| Return on Equity (ROE) | 28.2836% | 123 |
| Retained earnings to average equity (ytd only) | 9.6269% | 1,305 |
| Net charge-offs to loans | 1.3071% | 1,077 |
| Credit loss provision to net charge-offs | 97.8056% | 3,846 |
| Earnings coverage of net charge-offs (x) | 5.8213% | 2,601 |
| Efficiency ratio | 52.0527% | 7,411 |
| Assets per employee ($millions) | 6.1573% | 1,117 |
| Cash dividends to net income (ytd only)* | 65.9631% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6758% | 2,221 |
| Loan loss allowance to noncurrent loans | 85.4545% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 5,669 |
| Noncurrent loans to loans | 1.9610% | 3,319 |
| Net loans and leases to total assets | 27.9924% | 7,961 |
| Net loans and leases to deposits | 30.0380% | 8,038 |
| Net loans and leases to core deposits | 34.9021% | 8,036 |
| Total domestic deposits to total assets | 93.1898% | 72 |
| Equity capital to assets | 6.4323% | 7,895 |
| Core capital (leverage) ratio | 6.4985% | 7,880 |
| Tier 1 risk-based capital ratio | 15.3106% | 2,936 |
| Total risk-based capital ratio | 16.4575% | 2,926 |
| Memoranda: | ||
| Average total assets | $347,347,000 | 2,000 |
| Average earning assets | $327,609,500 | 1,929 |
| Average equity | $21,440,000 | 3,054 |
| Average total loans | $97,621,500 | 4,096 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6777% | 6,843 |
| Cost of funding earning assets | 2.1195% | 5,969 |
| Net interest margin | 3.5582% | 5,063 |
| Noninterest income to average assets | 0.9580% | 1,733 |
| Noninterest expense to average assets | 2.0462% | 7,357 |
| Loan and lease loss provision to assets | 0.3561% | 3,548 |
| Net operating income to assets | 1.4933% | 1,035 |
| Return on assets (ROA) | 1.1874% | 1,739 |
| Pretax return on assets | 1.5247% | 1,613 |
| Return on Equity (ROE) | 19.5843% | 407 |
| Retained earnings to average equity (ytd only) | 9.3562% | 544 |
| Net charge-offs to loans | 0.7852% | 1,588 |
| Credit loss provision to net charge-offs | 161.6622% | 3,196 |
| Earnings coverage of net charge-offs (x) | 10.3177% | 2,531 |
| Efficiency ratio | 47.3745% | 7,852 |
| Assets per employee ($millions) | 6.3616% | 951 |
| Cash dividends to net income (ytd only)* | 52.2258% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7028% | 1,900 |
| Loan loss allowance to noncurrent loans | 100.3643% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 5,625 |
| Noncurrent loans to loans | 1.6966% | 3,228 |
| Net loans and leases to total assets | 27.2732% | 8,050 |
| Net loans and leases to deposits | 31.4777% | 8,099 |
| Net loans and leases to core deposits | 36.1846% | 8,106 |
| Total domestic deposits to total assets | 86.6428% | 2,117 |
| Equity capital to assets | 5.9165% | 8,074 |
| Core capital (leverage) ratio | 6.1688% | 8,029 |
| Tier 1 risk-based capital ratio | 14.8236% | 3,138 |
| Total risk-based capital ratio | 15.9645% | 3,115 |
| Memoranda: | ||
| Average total assets | $338,634,800 | 1,964 |
| Average earning assets | $319,883,400 | 1,903 |
| Average equity | $20,531,800 | 3,151 |
| Average total loans | $95,011,600 | 4,078 |