Home > Texas First Bank > Performance and Condition Ratios
Texas First Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7472% | 807 |
| Cost of funding earning assets | 0.7498% | 5,861 |
| Net interest margin | 4.9974% | 386 |
| Noninterest income to average assets | 0.9097% | 1,632 |
| Noninterest expense to average assets | 3.8434% | 1,264 |
| Loan and lease loss provision to assets | 0.1674% | 3,951 |
| Net operating income to assets | 0.9435% | 2,383 |
| Return on assets (ROA) | 0.9435% | 2,446 |
| Pretax return on assets | 1.4406% | 1,623 |
| Return on Equity (ROE) | 10.6781% | 1,841 |
| Retained earnings to average equity (ytd only) | 10.6781% | 957 |
| Net charge-offs to loans | 0.0419% | 4,525 |
| Credit loss provision to net charge-offs | 618.7500% | 602 |
| Earnings coverage of net charge-offs (x) | 59.4375% | 499 |
| Efficiency ratio | 70.5025% | 4,163 |
| Assets per employee ($millions) | 3.9575% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8752% | 2,777 |
| Loan loss allowance to noncurrent loans | 47.2833% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 3.5388% | 1,922 |
| Noncurrent loans to loans | 3.9658% | 1,841 |
| Net loans and leases to total assets | 63.5795% | 3,521 |
| Net loans and leases to deposits | 70.6478% | 4,246 |
| Net loans and leases to core deposits | 74.5829% | 4,476 |
| Total domestic deposits to total assets | 89.9951% | 1,151 |
| Equity capital to assets | 9.0721% | 5,089 |
| Core capital (leverage) ratio | 8.8463% | 4,861 |
| Tier 1 risk-based capital ratio | 12.1219% | 5,576 |
| Total risk-based capital ratio | 13.3771% | 5,568 |
| Memoranda: | ||
| Average total assets | $236,561,500 | 2,715 |
| Average earning assets | $214,992,500 | 2,724 |
| Average equity | $20,902,500 | 2,994 |
| Average total loans | $152,699,500 | 2,671 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9814% | 875 |
| Cost of funding earning assets | 0.9373% | 5,996 |
| Net interest margin | 5.0441% | 390 |
| Noninterest income to average assets | 0.9510% | 1,670 |
| Noninterest expense to average assets | 4.0404% | 1,108 |
| Loan and lease loss provision to assets | 1.0291% | 1,572 |
| Net operating income to assets | 0.3153% | 4,883 |
| Return on assets (ROA) | 0.3153% | 5,051 |
| Pretax return on assets | 0.4749% | 4,706 |
| Return on Equity (ROE) | 3.5975% | 4,700 |
| Retained earnings to average equity (ytd only) | -1.1928% | 5,835 |
| Net charge-offs to loans | 1.4702% | 1,505 |
| Credit loss provision to net charge-offs | 118.3486% | 3,596 |
| Earnings coverage of net charge-offs (x) | 1.7296% | 4,421 |
| Efficiency ratio | 72.8739% | 3,626 |
| Assets per employee ($millions) | 3.5239% | 4,883 |
| Cash dividends to net income (ytd only)* | 133.1558% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7871% | 2,907 |
| Loan loss allowance to noncurrent loans | 48.5886% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 3.2162% | 2,200 |
| Noncurrent loans to loans | 3.6780% | 2,024 |
| Net loans and leases to total assets | 63.1617% | 4,037 |
| Net loans and leases to deposits | 69.6439% | 4,857 |
| Net loans and leases to core deposits | 73.7616% | 5,003 |
| Total domestic deposits to total assets | 90.6922% | 752 |
| Equity capital to assets | 8.6058% | 5,714 |
| Core capital (leverage) ratio | 8.5052% | 5,350 |
| Tier 1 risk-based capital ratio | 11.3927% | 5,997 |
| Total risk-based capital ratio | 12.6476% | 5,991 |
| Memoranda: | ||
| Average total assets | $238,172,200 | 2,656 |
| Average earning assets | $216,889,200 | 2,664 |
| Average equity | $20,875,800 | 3,026 |
| Average total loans | $140,865,200 | 2,933 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8272% | 1,321 |
| Cost of funding earning assets | 0.9651% | 6,106 |
| Net interest margin | 4.8620% | 593 |
| Noninterest income to average assets | 0.9705% | 1,548 |
| Noninterest expense to average assets | 3.8826% | 1,227 |
| Loan and lease loss provision to assets | 1.0753% | 1,362 |
| Net operating income to assets | 0.2843% | 5,228 |
| Return on assets (ROA) | 0.2843% | 5,392 |
| Pretax return on assets | 0.4440% | 5,101 |
| Return on Equity (ROE) | 3.2283% | 5,128 |
| Retained earnings to average equity (ytd only) | -3.1392% | 6,369 |
| Net charge-offs to loans | 1.5896% | 1,241 |
| Credit loss provision to net charge-offs | 116.9512% | 3,554 |
| Earnings coverage of net charge-offs (x) | 1.6524% | 4,466 |
| Efficiency ratio | 71.8734% | 3,723 |
| Assets per employee ($millions) | 3.8182% | 4,221 |
| Cash dividends to net income (ytd only)* | 197.2396% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7802% | 2,848 |
| Loan loss allowance to noncurrent loans | 28.1200% | 6,443 |
| Noncurrent assets plus other real estate owned to assets | 4.6823% | 1,415 |
| Noncurrent loans to loans | 6.3308% | 955 |
| Net loans and leases to total assets | 60.8275% | 4,754 |
| Net loans and leases to deposits | 67.0413% | 5,543 |
| Net loans and leases to core deposits | 74.4923% | 5,232 |
| Total domestic deposits to total assets | 90.7314% | 537 |
| Equity capital to assets | 8.5618% | 6,206 |
| Core capital (leverage) ratio | 8.2642% | 5,940 |
| Tier 1 risk-based capital ratio | 11.4963% | 5,939 |
| Total risk-based capital ratio | 12.7498% | 5,921 |
| Memoranda: | ||
| Average total assets | $237,808,250 | 2,694 |
| Average earning assets | $216,749,000 | 2,707 |
| Average equity | $20,939,250 | 3,057 |
| Average total loans | $137,554,750 | 3,028 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9777% | 999 |
| Cost of funding earning assets | 0.9783% | 6,244 |
| Net interest margin | 4.9993% | 421 |
| Noninterest income to average assets | 0.9937% | 1,397 |
| Noninterest expense to average assets | 3.8169% | 1,335 |
| Loan and lease loss provision to assets | 1.2047% | 1,164 |
| Net operating income to assets | 0.3335% | 5,050 |
| Return on assets (ROA) | 0.3335% | 5,210 |
| Pretax return on assets | 0.5192% | 4,846 |
| Return on Equity (ROE) | 3.7523% | 4,895 |
| Retained earnings to average equity (ytd only) | -5.7471% | 6,636 |
| Net charge-offs to loans | 1.9185% | 963 |
| Credit loss provision to net charge-offs | 111.2237% | 3,641 |
| Earnings coverage of net charge-offs (x) | 1.5916% | 4,303 |
| Efficiency ratio | 68.8862% | 4,406 |
| Assets per employee ($millions) | 3.3179% | 5,393 |
| Cash dividends to net income (ytd only)* | 253.1646% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7641% | 2,843 |
| Loan loss allowance to noncurrent loans | 71.7379% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 2.3595% | 3,066 |
| Noncurrent loans to loans | 2.4591% | 3,187 |
| Net loans and leases to total assets | 57.8917% | 5,436 |
| Net loans and leases to deposits | 63.6220% | 6,071 |
| Net loans and leases to core deposits | 71.0635% | 5,766 |
| Total domestic deposits to total assets | 90.9933% | 485 |
| Equity capital to assets | 8.4617% | 6,214 |
| Core capital (leverage) ratio | 8.5311% | 5,354 |
| Tier 1 risk-based capital ratio | 11.3152% | 5,928 |
| Total risk-based capital ratio | 12.5674% | 5,910 |
| Memoranda: | ||
| Average total assets | $236,896,330 | 2,733 |
| Average earning assets | $215,469,000 | 2,739 |
| Average equity | $21,054,000 | 3,033 |
| Average total loans | $133,750,000 | 3,136 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0453% | 896 |
| Cost of funding earning assets | 1.0132% | 6,313 |
| Net interest margin | 5.0321% | 393 |
| Noninterest income to average assets | 0.9768% | 1,371 |
| Noninterest expense to average assets | 3.7363% | 1,442 |
| Loan and lease loss provision to assets | 0.4184% | 2,865 |
| Net operating income to assets | 0.9153% | 2,489 |
| Return on assets (ROA) | 0.9153% | 2,556 |
| Pretax return on assets | 1.4020% | 1,773 |
| Return on Equity (ROE) | 10.0499% | 2,083 |
| Retained earnings to average equity (ytd only) | 10.0499% | 1,129 |
| Net charge-offs to loans | 0.5261% | 2,490 |
| Credit loss provision to net charge-offs | 144.1176% | 2,469 |
| Earnings coverage of net charge-offs (x) | 6.2706% | 2,253 |
| Efficiency ratio | 67.2403% | 4,870 |
| Assets per employee ($millions) | 3.4516% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8961% | 2,462 |
| Loan loss allowance to noncurrent loans | 42.8372% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 3.9353% | 1,757 |
| Noncurrent loans to loans | 4.4263% | 1,700 |
| Net loans and leases to total assets | 56.4782% | 5,676 |
| Net loans and leases to deposits | 62.9981% | 6,172 |
| Net loans and leases to core deposits | 68.4593% | 6,057 |
| Total domestic deposits to total assets | 89.6506% | 1,159 |
| Equity capital to assets | 9.6429% | 4,317 |
| Core capital (leverage) ratio | 9.0215% | 4,523 |
| Tier 1 risk-based capital ratio | 12.7496% | 4,523 |
| Total risk-based capital ratio | 13.9785% | 4,502 |
| Memoranda: | ||
| Average total assets | $234,240,000 | 2,823 |
| Average earning assets | $213,190,500 | 2,831 |
| Average equity | $21,333,500 | 3,025 |
| Average total loans | $129,256,500 | 3,270 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2128% | 1,206 |
| Cost of funding earning assets | 1.2551% | 6,458 |
| Net interest margin | 4.9577% | 492 |
| Noninterest income to average assets | 1.0279% | 1,475 |
| Noninterest expense to average assets | 3.8590% | 1,570 |
| Loan and lease loss provision to assets | 0.3928% | 4,438 |
| Net operating income to assets | 0.8593% | 2,313 |
| Return on assets (ROA) | 0.8593% | 2,385 |
| Pretax return on assets | 1.3060% | 1,675 |
| Return on Equity (ROE) | 9.8169% | 1,739 |
| Retained earnings to average equity (ytd only) | 3.7058% | 2,602 |
| Net charge-offs to loans | 0.3471% | 4,494 |
| Credit loss provision to net charge-offs | 219.6172% | 1,716 |
| Earnings coverage of net charge-offs (x) | 9.4976% | 1,792 |
| Efficiency ratio | 69.4333% | 4,742 |
| Assets per employee ($millions) | 4.0688% | 3,676 |
| Cash dividends to net income (ytd only)* | 62.2510% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8353% | 2,435 |
| Loan loss allowance to noncurrent loans | 55.2221% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 3.0390% | 2,297 |
| Noncurrent loans to loans | 3.3234% | 2,294 |
| Net loans and leases to total assets | 52.0137% | 6,418 |
| Net loans and leases to deposits | 57.2981% | 6,826 |
| Net loans and leases to core deposits | 72.2388% | 6,645 |
| Total domestic deposits to total assets | 90.7774% | 627 |
| Equity capital to assets | 8.6156% | 5,709 |
| Core capital (leverage) ratio | 8.5465% | 5,207 |
| Tier 1 risk-based capital ratio | 12.7007% | 4,364 |
| Total risk-based capital ratio | 13.9534% | 4,296 |
| Memoranda: | ||
| Average total assets | $233,684,800 | 2,782 |
| Average earning assets | $213,526,400 | 2,784 |
| Average equity | $20,454,600 | 3,141 |
| Average total loans | $120,409,800 | 3,473 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3103% | 1,113 |
| Cost of funding earning assets | 1.3101% | 6,528 |
| Net interest margin | 5.0002% | 441 |
| Noninterest income to average assets | 1.0282% | 1,498 |
| Noninterest expense to average assets | 3.7632% | 1,681 |
| Loan and lease loss provision to assets | 0.3745% | 4,079 |
| Net operating income to assets | 0.9544% | 2,220 |
| Return on assets (ROA) | 0.9544% | 2,277 |
| Pretax return on assets | 1.4581% | 1,527 |
| Return on Equity (ROE) | 10.8581% | 1,664 |
| Retained earnings to average equity (ytd only) | 2.6521% | 3,847 |
| Net charge-offs to loans | 0.3159% | 4,062 |
| Credit loss provision to net charge-offs | 231.7857% | 1,885 |
| Earnings coverage of net charge-offs (x) | 11.3430% | 1,862 |
| Efficiency ratio | 67.2510% | 5,129 |
| Assets per employee ($millions) | 3.5418% | 4,829 |
| Cash dividends to net income (ytd only)* | 75.5745% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7947% | 2,293 |
| Loan loss allowance to noncurrent loans | 61.1005% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 2.8400% | 2,453 |
| Noncurrent loans to loans | 2.9372% | 2,593 |
| Net loans and leases to total assets | 50.9620% | 6,701 |
| Net loans and leases to deposits | 56.1812% | 7,076 |
| Net loans and leases to core deposits | 73.0040% | 6,780 |
| Total domestic deposits to total assets | 90.7101% | 509 |
| Equity capital to assets | 8.5944% | 6,121 |
| Core capital (leverage) ratio | 8.5034% | 5,486 |
| Tier 1 risk-based capital ratio | 12.7486% | 4,349 |
| Total risk-based capital ratio | 13.9991% | 4,301 |
| Memoranda: | ||
| Average total assets | $231,074,000 | 2,831 |
| Average earning assets | $211,079,000 | 2,840 |
| Average equity | $20,310,000 | 3,191 |
| Average total loans | $118,173,750 | 3,551 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4071% | 994 |
| Cost of funding earning assets | 1.3546% | 6,633 |
| Net interest margin | 5.0526% | 382 |
| Noninterest income to average assets | 0.9911% | 1,622 |
| Noninterest expense to average assets | 3.8487% | 1,572 |
| Loan and lease loss provision to assets | 0.3450% | 3,859 |
| Net operating income to assets | 0.8876% | 2,504 |
| Return on assets (ROA) | 0.8876% | 2,614 |
| Pretax return on assets | 1.4046% | 1,713 |
| Return on Equity (ROE) | 10.0197% | 2,016 |
| Retained earnings to average equity (ytd only) | -2.3686% | 5,833 |
| Net charge-offs to loans | 0.2226% | 4,110 |
| Credit loss provision to net charge-offs | 304.6512% | 1,523 |
| Earnings coverage of net charge-offs (x) | 15.4496% | 1,598 |
| Efficiency ratio | 68.7471% | 5,020 |
| Assets per employee ($millions) | 3.1240% | 5,799 |
| Cash dividends to net income (ytd only)* | 123.6400% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7456% | 2,198 |
| Loan loss allowance to noncurrent loans | 62.3505% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 2.8340% | 2,265 |
| Noncurrent loans to loans | 2.7996% | 2,577 |
| Net loans and leases to total assets | 51.3630% | 6,751 |
| Net loans and leases to deposits | 56.5548% | 7,123 |
| Net loans and leases to core deposits | 73.4157% | 6,821 |
| Total domestic deposits to total assets | 90.8198% | 518 |
| Equity capital to assets | 8.4473% | 6,126 |
| Core capital (leverage) ratio | 8.4922% | 5,465 |
| Tier 1 risk-based capital ratio | 12.9516% | 4,184 |
| Total risk-based capital ratio | 14.1812% | 4,107 |
| Memoranda: | ||
| Average total assets | $227,818,000 | 2,885 |
| Average earning assets | $207,736,670 | 2,899 |
| Average equity | $20,180,330 | 3,217 |
| Average total loans | $115,904,670 | 3,627 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5499% | 785 |
| Cost of funding earning assets | 1.3973% | 6,740 |
| Net interest margin | 5.1527% | 302 |
| Noninterest income to average assets | 1.0206% | 1,426 |
| Noninterest expense to average assets | 3.8009% | 1,470 |
| Loan and lease loss provision to assets | 0.3153% | 3,446 |
| Net operating income to assets | 0.9867% | 2,374 |
| Return on assets (ROA) | 0.9867% | 2,507 |
| Pretax return on assets | 1.5941% | 1,420 |
| Return on Equity (ROE) | 10.8763% | 2,007 |
| Retained earnings to average equity (ytd only) | 10.8763% | 999 |
| Net charge-offs to loans | 0.1172% | 4,032 |
| Credit loss provision to net charge-offs | 536.3636% | 1,026 |
| Earnings coverage of net charge-offs (x) | 32.4848% | 1,003 |
| Efficiency ratio | 66.5627% | 5,220 |
| Assets per employee ($millions) | 3.1448% | 5,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6370% | 2,374 |
| Loan loss allowance to noncurrent loans | 42.7000% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 3.4586% | 1,556 |
| Noncurrent loans to loans | 3.8336% | 1,603 |
| Net loans and leases to total assets | 52.8194% | 6,603 |
| Net loans and leases to deposits | 59.4999% | 6,932 |
| Net loans and leases to core deposits | 74.3751% | 6,786 |
| Total domestic deposits to total assets | 88.7722% | 1,349 |
| Equity capital to assets | 9.0289% | 5,321 |
| Core capital (leverage) ratio | 8.9438% | 4,805 |
| Tier 1 risk-based capital ratio | 13.1685% | 4,073 |
| Total risk-based capital ratio | 14.4192% | 3,991 |
| Memoranda: | ||
| Average total assets | $224,577,500 | 2,937 |
| Average earning assets | $204,399,500 | 2,960 |
| Average equity | $20,374,500 | 3,208 |
| Average total loans | $112,616,500 | 3,728 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6620% | 2,190 |
| Cost of funding earning assets | 1.8446% | 6,882 |
| Net interest margin | 4.8174% | 753 |
| Noninterest income to average assets | 1.1024% | 1,294 |
| Noninterest expense to average assets | 3.9792% | 1,451 |
| Loan and lease loss provision to assets | 0.2834% | 4,119 |
| Net operating income to assets | 0.8152% | 3,366 |
| Return on assets (ROA) | 0.8152% | 3,207 |
| Pretax return on assets | 1.2366% | 2,523 |
| Return on Equity (ROE) | 8.9203% | 2,668 |
| Retained earnings to average equity (ytd only) | 5.0951% | 1,967 |
| Net charge-offs to loans | 0.4568% | 2,545 |
| Credit loss provision to net charge-offs | 132.7511% | 4,009 |
| Earnings coverage of net charge-offs (x) | 7.1201% | 3,184 |
| Efficiency ratio | 72.3597% | 3,869 |
| Assets per employee ($millions) | 2.8892% | 6,339 |
| Cash dividends to net income (ytd only)* | 42.8816% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8380% | 1,551 |
| Loan loss allowance to noncurrent loans | 93.9348% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.0037% | 4,318 |
| Noncurrent loans to loans | 1.9567% | 2,817 |
| Net loans and leases to total assets | 45.5784% | 7,365 |
| Net loans and leases to deposits | 50.4881% | 7,606 |
| Net loans and leases to core deposits | 62.9795% | 7,475 |
| Total domestic deposits to total assets | 90.2756% | 558 |
| Equity capital to assets | 9.1178% | 5,198 |
| Core capital (leverage) ratio | 9.1033% | 4,590 |
| Tier 1 risk-based capital ratio | 14.9232% | 3,078 |
| Total risk-based capital ratio | 16.1752% | 2,996 |
| Memoranda: | ||
| Average total assets | $214,540,600 | 2,943 |
| Average earning assets | $195,811,200 | 2,947 |
| Average equity | $19,607,000 | 3,288 |
| Average total loans | $100,272,800 | 3,940 |