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FirstCity Bank, Performance and Condition Ratios
| 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 | 5.5237% | 7,239 |
| Cost of funding earning assets | 4.7769% | 6 |
| Net interest margin | 0.7468% | 8,249 |
| Noninterest income to average assets | 0.1391% | 7,408 |
| Noninterest expense to average assets | 2.2244% | 6,913 |
| Loan and lease loss provision to assets | 1.5520% | 860 |
| Net operating income to assets | -3.0156% | 7,828 |
| Return on assets (ROA) | -3.0156% | 7,799 |
| Pretax return on assets | -3.0156% | 7,710 |
| Return on Equity (ROE) | -45.0838% | 8,119 |
| Retained earnings to average equity (ytd only) | -45.3269% | 8,096 |
| Net charge-offs to loans | 2.1885% | 472 |
| Credit loss provision to net charge-offs | 99.7446% | 5,385 |
| Earnings coverage of net charge-offs (x) | -0.9406% | 6,584 |
| Efficiency ratio | 292.3552% | 108 |
| Assets per employee ($millions) | 9.5005% | 300 |
| Cash dividends to net income (ytd only)* | -0.5391% | 7,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8817% | 1,460 |
| Loan loss allowance to noncurrent loans | 14.7509% | 7,401 |
| Noncurrent assets plus other real estate owned to assets | 20.4105% | 26 |
| Noncurrent loans to loans | 12.7567% | 108 |
| Net loans and leases to total assets | 66.4646% | 4,761 |
| Net loans and leases to deposits | 73.1247% | 5,935 |
| Net loans and leases to core deposits | 80.6195% | 6,566 |
| Total domestic deposits to total assets | 90.8921% | 358 |
| Equity capital to assets | 5.2538% | 8,157 |
| Core capital (leverage) ratio | 4.5732% | 8,238 |
| Tier 1 risk-based capital ratio | 7.2823% | 8,152 |
| Total risk-based capital ratio | 8.5387% | 8,168 |
| Memoranda: | ||
| Average total assets | $276,797,800 | 2,332 |
| Average earning assets | $230,463,200 | 2,550 |
| Average equity | $18,514,400 | 3,474 |
| Average total loans | $196,799,600 | 2,332 |