Home > The First Bank, Roxton, Texas > Performance and Condition Ratios
The First Bank, Roxton, Texas, Performance and Condition Ratios
| 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 | 6.2450% | 1,346 |
| Cost of funding earning assets | 2.5191% | 1,547 |
| Net interest margin | 3.7259% | 3,853 |
| Noninterest income to average assets | 0.9734% | 1,680 |
| Noninterest expense to average assets | 4.6532% | 666 |
| Loan and lease loss provision to assets | 0.3102% | 4,089 |
| Net operating income to assets | -0.5883% | 6,642 |
| Return on assets (ROA) | -0.5883% | 6,649 |
| Pretax return on assets | -0.5883% | 6,512 |
| Return on Equity (ROE) | -9.9278% | 7,027 |
| Retained earnings to average equity (ytd only) | -9.9278% | 6,868 |
| Net charge-offs to loans | 0.4709% | 2,947 |
| Credit loss provision to net charge-offs | 116.0000% | 3,992 |
| Earnings coverage of net charge-offs (x) | -1.0400% | 6,238 |
| Efficiency ratio | 106.3570% | 957 |
| Assets per employee ($millions) | 2.1397% | 7,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7803% | 2,103 |
| Loan loss allowance to noncurrent loans | 208.4211% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 6,205 |
| Noncurrent loans to loans | 0.8542% | 5,515 |
| Net loans and leases to total assets | 56.7274% | 6,121 |
| Net loans and leases to deposits | 60.5778% | 6,846 |
| Net loans and leases to core deposits | 79.7430% | 6,432 |
| Total domestic deposits to total assets | 93.6439% | 69 |
| Equity capital to assets | 5.9822% | 7,933 |
| Core capital (leverage) ratio | 6.0261% | 7,921 |
| Tier 1 risk-based capital ratio | 10.3513% | 6,531 |
| Total risk-based capital ratio | 11.6093% | 6,458 |
| Memoranda: | ||
| Average total assets | $18,697,000 | 7,971 |
| Average earning assets | $17,069,670 | 7,945 |
| Average equity | $1,108,000 | 8,144 |
| Average total loans | $10,617,330 | 7,832 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3374% | 1,197 |
| Cost of funding earning assets | 2.5302% | 1,801 |
| Net interest margin | 3.8072% | 3,418 |
| Noninterest income to average assets | 0.9556% | 1,618 |
| Noninterest expense to average assets | 4.8651% | 529 |
| Loan and lease loss provision to assets | 0.4995% | 2,467 |
| Net operating income to assets | -0.9122% | 7,202 |
| Return on assets (ROA) | -0.9122% | 7,227 |
| Pretax return on assets | -0.9122% | 7,103 |
| Return on Equity (ROE) | -15.4696% | 7,622 |
| Retained earnings to average equity (ytd only) | -15.4696% | 7,458 |
| Net charge-offs to loans | 0.3859% | 2,557 |
| Credit loss provision to net charge-offs | 230.0000% | 1,990 |
| Earnings coverage of net charge-offs (x) | -1.9000% | 5,465 |
| Efficiency ratio | 109.2683% | 829 |
| Assets per employee ($millions) | 2.0772% | 7,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9919% | 1,438 |
| Loan loss allowance to noncurrent loans | 646.8750% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 7,037 |
| Noncurrent loans to loans | 0.3079% | 6,666 |
| Net loans and leases to total assets | 54.4798% | 6,416 |
| Net loans and leases to deposits | 58.0309% | 7,034 |
| Net loans and leases to core deposits | 76.5905% | 6,636 |
| Total domestic deposits to total assets | 93.8807% | 42 |
| Equity capital to assets | 5.6967% | 8,040 |
| Core capital (leverage) ratio | 5.8007% | 8,035 |
| Tier 1 risk-based capital ratio | 10.3448% | 6,548 |
| Total risk-based capital ratio | 11.5979% | 6,462 |
| Memoranda: | ||
| Average total assets | $18,417,000 | 8,025 |
| Average earning assets | $16,915,500 | 8,004 |
| Average equity | $1,086,000 | 8,200 |
| Average total loans | $10,365,000 | 7,894 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4194% | 478 |
| Cost of funding earning assets | 2.7166% | 3,084 |
| Net interest margin | 4.7028% | 966 |
| Noninterest income to average assets | 1.1453% | 1,177 |
| Noninterest expense to average assets | 5.6648% | 473 |
| Loan and lease loss provision to assets | 1.6024% | 822 |
| Net operating income to assets | -1.7564% | 7,544 |
| Return on assets (ROA) | -1.7564% | 7,496 |
| Pretax return on assets | -1.7564% | 7,356 |
| Return on Equity (ROE) | -26.3361% | 7,888 |
| Retained earnings to average equity (ytd only) | -26.3361% | 7,835 |
| Net charge-offs to loans | 3.0352% | 289 |
| Credit loss provision to net charge-offs | 89.3983% | 5,697 |
| Earnings coverage of net charge-offs (x) | -0.0860% | 6,312 |
| Efficiency ratio | 102.7959% | 895 |
| Assets per employee ($millions) | 2.0154% | 7,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8766% | 1,471 |
| Loan loss allowance to noncurrent loans | 2,771.4286% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 7,436 |
| Noncurrent loans to loans | 0.0677% | 7,234 |
| Net loans and leases to total assets | 55.9237% | 6,445 |
| Net loans and leases to deposits | 59.9385% | 7,093 |
| Net loans and leases to core deposits | 77.3524% | 6,780 |
| Total domestic deposits to total assets | 93.3017% | 42 |
| Equity capital to assets | 6.1029% | 8,043 |
| Core capital (leverage) ratio | 6.1184% | 8,042 |
| Tier 1 risk-based capital ratio | 10.9463% | 5,776 |
| Total risk-based capital ratio | 12.2021% | 5,679 |
| Memoranda: | ||
| Average total assets | $19,471,200 | 8,033 |
| Average earning assets | $18,074,200 | 8,003 |
| Average equity | $1,298,600 | 8,241 |
| Average total loans | $11,498,400 | 7,863 |