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FirsTier Bank, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1772% | 6,959 |
| Cost of funding earning assets | 1.9901% | 632 |
| Net interest margin | 2.1871% | 7,400 |
| Noninterest income to average assets | 0.5522% | 3,806 |
| Noninterest expense to average assets | 2.7617% | 4,733 |
| Loan and lease loss provision to assets | 3.2945% | 257 |
| Net operating income to assets | -3.4993% | 7,373 |
| Return on assets (ROA) | -3.4408% | 7,381 |
| Pretax return on assets | -3.4408% | 7,358 |
| Return on Equity (ROE) | -164.7765% | 7,639 |
| Retained earnings to average equity (ytd only) | -164.7765% | 7,639 |
| Net charge-offs to loans | 4.4367% | 251 |
| Credit loss provision to net charge-offs | 96.7857% | 4,798 |
| Earnings coverage of net charge-offs (x) | -0.0601% | 6,184 |
| Efficiency ratio | 108.0065% | 577 |
| Assets per employee ($millions) | 7.7968% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4302% | 84 |
| Loan loss allowance to noncurrent loans | 25.8140% | 6,553 |
| Noncurrent assets plus other real estate owned to assets | 26.4540% | 20 |
| Noncurrent loans to loans | 24.9098% | 43 |
| Net loans and leases to total assets | 68.4395% | 2,878 |
| Net loans and leases to deposits | 72.7520% | 4,387 |
| Net loans and leases to core deposits | 79.1844% | 4,321 |
| Total domestic deposits to total assets | 94.0723% | 87 |
| Equity capital to assets | -0.3475% | 7,650 |
| Core capital (leverage) ratio | -0.3019% | 7,650 |
| Tier 1 risk-based capital ratio | -0.3954% | 7,650 |
| Total risk-based capital ratio | -0.3954% | 7,650 |
| Memoranda: | ||
| Average total assets | $822,575,000 | 821 |
| Average earning assets | $754,021,000 | 808 |
| Average equity | $17,176,600 | 3,560 |
| Average total loans | $631,106,600 | 701 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2826% | 6,986 |
| Cost of funding earning assets | 2.0330% | 679 |
| Net interest margin | 2.2495% | 7,500 |
| Noninterest income to average assets | 0.6373% | 3,205 |
| Noninterest expense to average assets | 2.6972% | 4,892 |
| Loan and lease loss provision to assets | 2.6278% | 380 |
| Net operating income to assets | -2.6077% | 7,375 |
| Return on assets (ROA) | -2.5570% | 7,378 |
| Pretax return on assets | -2.5570% | 7,337 |
| Return on Equity (ROE) | -96.7154% | 7,689 |
| Retained earnings to average equity (ytd only) | -96.7154% | 7,689 |
| Net charge-offs to loans | 3.3158% | 426 |
| Credit loss provision to net charge-offs | 102.2052% | 4,216 |
| Earnings coverage of net charge-offs (x) | 0.0078% | 6,024 |
| Efficiency ratio | 99.2615% | 766 |
| Assets per employee ($millions) | 7.6622% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1950% | 102 |
| Loan loss allowance to noncurrent loans | 25.5324% | 6,608 |
| Noncurrent assets plus other real estate owned to assets | 24.7166% | 24 |
| Noncurrent loans to loans | 24.2635% | 35 |
| Net loans and leases to total assets | 72.0595% | 2,242 |
| Net loans and leases to deposits | 77.9203% | 3,843 |
| Net loans and leases to core deposits | 84.4981% | 3,876 |
| Total domestic deposits to total assets | 92.4785% | 132 |
| Equity capital to assets | 1.3591% | 7,735 |
| Core capital (leverage) ratio | 1.2356% | 7,730 |
| Tier 1 risk-based capital ratio | 1.5871% | 7,735 |
| Total risk-based capital ratio | 2.8953% | 7,735 |
| Memoranda: | ||
| Average total assets | $837,196,250 | 803 |
| Average earning assets | $774,062,750 | 790 |
| Average equity | $22,134,500 | 2,905 |
| Average total loans | $649,164,250 | 676 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 6,961 |
| Cost of funding earning assets | 2.0910% | 679 |
| Net interest margin | 2.2729% | 7,544 |
| Noninterest income to average assets | 0.0853% | 7,153 |
| Noninterest expense to average assets | 2.2273% | 6,579 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.0255% | 6,113 |
| Return on assets (ROA) | 0.0493% | 6,095 |
| Pretax return on assets | 0.0493% | 6,073 |
| Return on Equity (ROE) | 1.6248% | 5,751 |
| Retained earnings to average equity (ytd only) | 1.6248% | 5,052 |
| Net charge-offs to loans | 3.4564% | 430 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -0.0095% | 5,727 |
| Efficiency ratio | 101.1570% | 764 |
| Assets per employee ($millions) | 7.8568% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0656% | 351 |
| Loan loss allowance to noncurrent loans | 17.6621% | 7,045 |
| Noncurrent assets plus other real estate owned to assets | 22.7922% | 35 |
| Noncurrent loans to loans | 23.0188% | 43 |
| Net loans and leases to total assets | 73.8788% | 1,935 |
| Net loans and leases to deposits | 81.2179% | 3,396 |
| Net loans and leases to core deposits | 87.8442% | 3,566 |
| Total domestic deposits to total assets | 90.9638% | 495 |
| Equity capital to assets | 3.2668% | 7,738 |
| Core capital (leverage) ratio | 3.0440% | 7,741 |
| Tier 1 risk-based capital ratio | 4.0678% | 7,743 |
| Total risk-based capital ratio | 5.3509% | 7,746 |
| Memoranda: | ||
| Average total assets | $855,747,670 | 790 |
| Average earning assets | $796,859,330 | 767 |
| Average equity | $25,972,000 | 2,493 |
| Average total loans | $665,429,670 | 658 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5079% | 6,776 |
| Cost of funding earning assets | 2.1397% | 715 |
| Net interest margin | 2.3682% | 7,553 |
| Noninterest income to average assets | 0.0673% | 7,381 |
| Noninterest expense to average assets | 2.1684% | 6,759 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1206% | 5,968 |
| Return on assets (ROA) | 0.1197% | 6,084 |
| Pretax return on assets | 0.1197% | 6,091 |
| Return on Equity (ROE) | 4.0871% | 4,856 |
| Retained earnings to average equity (ytd only) | 4.0871% | 3,699 |
| Net charge-offs to loans | 1.9413% | 888 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.0795% | 4,964 |
| Efficiency ratio | 94.7316% | 1,096 |
| Assets per employee ($millions) | 8.6347% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0014% | 175 |
| Loan loss allowance to noncurrent loans | 23.8127% | 6,805 |
| Noncurrent assets plus other real estate owned to assets | 19.2299% | 64 |
| Noncurrent loans to loans | 21.0030% | 67 |
| Net loans and leases to total assets | 71.5572% | 2,558 |
| Net loans and leases to deposits | 79.9225% | 3,668 |
| Net loans and leases to core deposits | 96.9994% | 2,461 |
| Total domestic deposits to total assets | 89.5332% | 1,221 |
| Equity capital to assets | 2.8925% | 7,854 |
| Core capital (leverage) ratio | 2.9951% | 7,841 |
| Tier 1 risk-based capital ratio | 3.8306% | 7,848 |
| Total risk-based capital ratio | 5.1256% | 7,848 |
| Memoranda: | ||
| Average total assets | $878,995,500 | 785 |
| Average earning assets | $824,590,500 | 753 |
| Average equity | $25,739,500 | 2,537 |
| Average total loans | $686,543,000 | 661 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5820% | 3,696 |
| Cost of funding earning assets | 2.8447% | 384 |
| Net interest margin | 2.7373% | 7,158 |
| Noninterest income to average assets | 0.0232% | 7,612 |
| Noninterest expense to average assets | 2.1826% | 7,030 |
| Loan and lease loss provision to assets | 4.6862% | 240 |
| Net operating income to assets | -4.2926% | 7,649 |
| Return on assets (ROA) | -4.3169% | 7,653 |
| Pretax return on assets | -4.3169% | 7,603 |
| Return on Equity (ROE) | -72.2665% | 7,819 |
| Retained earnings to average equity (ytd only) | -74.7186% | 7,834 |
| Net charge-offs to loans | 1.3595% | 1,837 |
| Credit loss provision to net charge-offs | 401.1622% | 787 |
| Earnings coverage of net charge-offs (x) | 0.3369% | 5,781 |
| Efficiency ratio | 84.7217% | 2,270 |
| Assets per employee ($millions) | 8.5159% | 414 |
| Cash dividends to net income (ytd only)* | -3.3932% | 7,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2387% | 150 |
| Loan loss allowance to noncurrent loans | 23.0020% | 6,915 |
| Noncurrent assets plus other real estate owned to assets | 21.0549% | 47 |
| Noncurrent loans to loans | 22.7749% | 48 |
| Net loans and leases to total assets | 76.7119% | 1,645 |
| Net loans and leases to deposits | 87.8944% | 2,569 |
| Net loans and leases to core deposits | 168.1639% | 251 |
| Total domestic deposits to total assets | 87.2774% | 2,343 |
| Equity capital to assets | 2.9649% | 7,920 |
| Core capital (leverage) ratio | 2.8531% | 7,917 |
| Tier 1 risk-based capital ratio | 3.7181% | 7,920 |
| Total risk-based capital ratio | 5.0192% | 7,918 |
| Memoranda: | ||
| Average total assets | $839,705,800 | 807 |
| Average earning assets | $783,138,600 | 785 |
| Average equity | $50,160,200 | 1,341 |
| Average total loans | $721,520,200 | 640 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9486% | 2,234 |
| Cost of funding earning assets | 2.9631% | 367 |
| Net interest margin | 2.9855% | 6,643 |
| Noninterest income to average assets | 0.2064% | 6,748 |
| Noninterest expense to average assets | 1.7690% | 7,693 |
| Loan and lease loss provision to assets | 2.6026% | 624 |
| Net operating income to assets | -1.3881% | 7,061 |
| Return on assets (ROA) | -1.4113% | 7,061 |
| Pretax return on assets | -1.4113% | 6,920 |
| Return on Equity (ROE) | -20.8828% | 7,406 |
| Retained earnings to average equity (ytd only) | -23.7977% | 7,457 |
| Net charge-offs to loans | 1.3327% | 1,536 |
| Credit loss provision to net charge-offs | 223.8909% | 1,954 |
| Earnings coverage of net charge-offs (x) | 1.0448% | 5,011 |
| Efficiency ratio | 59.2925% | 6,514 |
| Assets per employee ($millions) | 8.1206% | 494 |
| Cash dividends to net income (ytd only)* | -13.9582% | 7,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2527% | 1,347 |
| Loan loss allowance to noncurrent loans | 28.1303% | 6,590 |
| Noncurrent assets plus other real estate owned to assets | 8.5161% | 478 |
| Noncurrent loans to loans | 8.0082% | 607 |
| Net loans and leases to total assets | 79.8453% | 1,201 |
| Net loans and leases to deposits | 96.1799% | 1,550 |
| Net loans and leases to core deposits | 173.3931% | 239 |
| Total domestic deposits to total assets | 83.0166% | 4,210 |
| Equity capital to assets | 5.9302% | 7,867 |
| Core capital (leverage) ratio | 6.1392% | 7,778 |
| Tier 1 risk-based capital ratio | 7.1056% | 7,886 |
| Total risk-based capital ratio | 8.3673% | 7,887 |
| Memoranda: | ||
| Average total assets | $832,477,000 | 820 |
| Average earning assets | $774,343,000 | 811 |
| Average equity | $56,261,750 | 1,190 |
| Average total loans | $726,107,000 | 654 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1825% | 1,516 |
| Cost of funding earning assets | 3.2409% | 243 |
| Net interest margin | 2.9416% | 6,707 |
| Noninterest income to average assets | 0.2292% | 6,645 |
| Noninterest expense to average assets | 1.8002% | 7,742 |
| Loan and lease loss provision to assets | 3.6200% | 380 |
| Net operating income to assets | -2.4704% | 7,548 |
| Return on assets (ROA) | -2.4262% | 7,538 |
| Pretax return on assets | -2.4262% | 7,405 |
| Return on Equity (ROE) | -34.3749% | 7,775 |
| Retained earnings to average equity (ytd only) | -38.5127% | 7,816 |
| Net charge-offs to loans | 1.7023% | 1,110 |
| Credit loss provision to net charge-offs | 238.3261% | 1,954 |
| Earnings coverage of net charge-offs (x) | 0.7568% | 4,975 |
| Efficiency ratio | 61.0284% | 6,394 |
| Assets per employee ($millions) | 7.6735% | 573 |
| Cash dividends to net income (ytd only)* | -12.0372% | 7,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1794% | 1,275 |
| Loan loss allowance to noncurrent loans | 38.6276% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 6.9253% | 619 |
| Noncurrent loans to loans | 5.6422% | 1,013 |
| Net loans and leases to total assets | 85.0919% | 492 |
| Net loans and leases to deposits | 107.1535% | 696 |
| Net loans and leases to core deposits | 182.1282% | 203 |
| Total domestic deposits to total assets | 79.4112% | 5,681 |
| Equity capital to assets | 6.1521% | 7,900 |
| Core capital (leverage) ratio | 7.5523% | 6,958 |
| Tier 1 risk-based capital ratio | 8.2736% | 7,886 |
| Total risk-based capital ratio | 9.5341% | 7,909 |
| Memoranda: | ||
| Average total assets | $814,921,670 | 862 |
| Average earning assets | $753,674,000 | 847 |
| Average equity | $57,518,670 | 1,174 |
| Average total loans | $727,131,670 | 674 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0792% | 2,025 |
| Cost of funding earning assets | 3.3480% | 233 |
| Net interest margin | 2.7312% | 7,136 |
| Noninterest income to average assets | 0.2547% | 6,421 |
| Noninterest expense to average assets | 1.6469% | 7,872 |
| Loan and lease loss provision to assets | 2.8352% | 392 |
| Net operating income to assets | -1.6857% | 7,570 |
| Return on assets (ROA) | -1.6499% | 7,560 |
| Pretax return on assets | -1.6499% | 7,424 |
| Return on Equity (ROE) | -21.9126% | 7,792 |
| Retained earnings to average equity (ytd only) | -26.2067% | 7,796 |
| Net charge-offs to loans | 0.0671% | 4,530 |
| Credit loss provision to net charge-offs | 4,672.1311% | 157 |
| Earnings coverage of net charge-offs (x) | 18.9426% | 1,438 |
| Efficiency ratio | 58.8936% | 6,565 |
| Assets per employee ($millions) | 7.5061% | 621 |
| Cash dividends to net income (ytd only)* | -19.5960% | 8,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7439% | 1,999 |
| Loan loss allowance to noncurrent loans | 37.9585% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 4.1644% | 1,214 |
| Noncurrent loans to loans | 4.5941% | 1,237 |
| Net loans and leases to total assets | 87.8525% | 278 |
| Net loans and leases to deposits | 112.1645% | 516 |
| Net loans and leases to core deposits | 188.6408% | 188 |
| Total domestic deposits to total assets | 78.3247% | 5,918 |
| Equity capital to assets | 7.0932% | 7,628 |
| Core capital (leverage) ratio | 8.9025% | 4,858 |
| Tier 1 risk-based capital ratio | 9.2539% | 7,624 |
| Total risk-based capital ratio | 10.5108% | 7,599 |
| Memoranda: | ||
| Average total assets | $804,177,500 | 876 |
| Average earning assets | $748,385,000 | 855 |
| Average equity | $60,549,500 | 1,135 |
| Average total loans | $726,910,500 | 683 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1984% | 751 |
| Cost of funding earning assets | 3.9356% | 123 |
| Net interest margin | 3.2628% | 6,172 |
| Noninterest income to average assets | 0.1304% | 7,458 |
| Noninterest expense to average assets | 2.0697% | 7,301 |
| Loan and lease loss provision to assets | 0.8125% | 1,831 |
| Net operating income to assets | 0.3319% | 5,437 |
| Return on assets (ROA) | 0.3319% | 5,256 |
| Pretax return on assets | 0.3319% | 5,436 |
| Return on Equity (ROE) | 3.8613% | 4,872 |
| Retained earnings to average equity (ytd only) | -0.5186% | 5,443 |
| Net charge-offs to loans | 0.3896% | 2,870 |
| Credit loss provision to net charge-offs | 224.0190% | 2,124 |
| Earnings coverage of net charge-offs (x) | 3.1552% | 4,508 |
| Efficiency ratio | 64.3942% | 5,478 |
| Assets per employee ($millions) | 6.9883% | 711 |
| Cash dividends to net income (ytd only)* | 113.4307% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 5,854 |
| Loan loss allowance to noncurrent loans | 88.7699% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.1099% | 4,057 |
| Noncurrent loans to loans | 1.1486% | 4,244 |
| Net loans and leases to total assets | 90.4935% | 164 |
| Net loans and leases to deposits | 116.8578% | 485 |
| Net loans and leases to core deposits | 189.9368% | 219 |
| Total domestic deposits to total assets | 77.4390% | 5,891 |
| Equity capital to assets | 7.9895% | 6,856 |
| Core capital (leverage) ratio | 9.1893% | 4,461 |
| Tier 1 risk-based capital ratio | 9.3971% | 7,411 |
| Total risk-based capital ratio | 10.3956% | 7,636 |
| Memoranda: | ||
| Average total assets | $639,377,800 | 1,047 |
| Average earning assets | $604,260,800 | 1,012 |
| Average equity | $54,956,000 | 1,225 |
| Average total loans | $595,226,200 | 803 |