Home > The First Commercial Bank > Performance and Condition Ratios
The First Commercial 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 | 5.2714% | 3,263 |
| Cost of funding earning assets | 0.9289% | 6,035 |
| Net interest margin | 4.3425% | 1,674 |
| Noninterest income to average assets | -1.0637% | 7,629 |
| Noninterest expense to average assets | 3.0913% | 3,493 |
| Loan and lease loss provision to assets | 7.5756% | 19 |
| Net operating income to assets | -5.1830% | 7,545 |
| Return on assets (ROA) | -5.1036% | 7,548 |
| Pretax return on assets | -7.8119% | 7,619 |
| Return on Equity (ROE) | -58.9587% | 7,481 |
| Retained earnings to average equity (ytd only) | -58.9587% | 7,478 |
| Net charge-offs to loans | 8.1534% | 37 |
| Credit loss provision to net charge-offs | 109.1687% | 4,042 |
| Earnings coverage of net charge-offs (x) | -0.0517% | 6,173 |
| Efficiency ratio | 113.1196% | 488 |
| Assets per employee ($millions) | 4.3322% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2261% | 1,828 |
| Loan loss allowance to noncurrent loans | 17.5095% | 6,899 |
| Noncurrent assets plus other real estate owned to assets | 16.4849% | 128 |
| Noncurrent loans to loans | 12.7138% | 247 |
| Net loans and leases to total assets | 83.2321% | 361 |
| Net loans and leases to deposits | 102.2858% | 475 |
| Net loans and leases to core deposits | 116.6606% | 618 |
| Total domestic deposits to total assets | 81.3721% | 5,399 |
| Equity capital to assets | 9.6137% | 4,259 |
| Core capital (leverage) ratio | 9.6214% | 3,522 |
| Tier 1 risk-based capital ratio | 11.9694% | 5,500 |
| Total risk-based capital ratio | 13.2329% | 5,471 |
| Memoranda: | ||
| Average total assets | $294,537,400 | 2,186 |
| Average earning assets | $257,502,800 | 2,278 |
| Average equity | $25,495,800 | 2,505 |
| Average total loans | $250,681,400 | 1,756 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2985% | 3,365 |
| Cost of funding earning assets | 0.9971% | 5,946 |
| Net interest margin | 4.3015% | 1,847 |
| Noninterest income to average assets | -1.1822% | 7,740 |
| Noninterest expense to average assets | 2.8055% | 4,463 |
| Loan and lease loss provision to assets | 7.9607% | 16 |
| Net operating income to assets | -5.3502% | 7,671 |
| Return on assets (ROA) | -5.2557% | 7,669 |
| Pretax return on assets | -8.0253% | 7,729 |
| Return on Equity (ROE) | -62.2522% | 7,609 |
| Retained earnings to average equity (ytd only) | -62.2522% | 7,608 |
| Net charge-offs to loans | 7.7956% | 47 |
| Credit loss provision to net charge-offs | 119.9880% | 3,439 |
| Earnings coverage of net charge-offs (x) | -0.0316% | 6,057 |
| Efficiency ratio | 108.0887% | 559 |
| Assets per employee ($millions) | 4.4877% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5774% | 1,240 |
| Loan loss allowance to noncurrent loans | 18.0857% | 6,975 |
| Noncurrent assets plus other real estate owned to assets | 16.7041% | 112 |
| Noncurrent loans to loans | 14.2509% | 179 |
| Net loans and leases to total assets | 84.3777% | 308 |
| Net loans and leases to deposits | 100.0234% | 660 |
| Net loans and leases to core deposits | 113.8825% | 839 |
| Total domestic deposits to total assets | 84.3579% | 3,933 |
| Equity capital to assets | 8.3673% | 6,435 |
| Core capital (leverage) ratio | 8.0442% | 6,285 |
| Tier 1 risk-based capital ratio | 10.2393% | 6,940 |
| Total risk-based capital ratio | 11.5081% | 6,917 |
| Memoranda: | ||
| Average total assets | $301,022,500 | 2,180 |
| Average earning assets | $264,368,250 | 2,258 |
| Average equity | $25,414,250 | 2,548 |
| Average total loans | $256,189,500 | 1,750 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3032% | 3,458 |
| Cost of funding earning assets | 1.0699% | 5,823 |
| Net interest margin | 4.2333% | 2,045 |
| Noninterest income to average assets | 0.0207% | 7,462 |
| Noninterest expense to average assets | 4.6200% | 512 |
| Loan and lease loss provision to assets | 7.6295% | 30 |
| Net operating income to assets | -5.6214% | 7,722 |
| Return on assets (ROA) | -5.6193% | 7,726 |
| Pretax return on assets | -8.5050% | 7,793 |
| Return on Equity (ROE) | -66.3800% | 7,672 |
| Retained earnings to average equity (ytd only) | -66.3800% | 7,670 |
| Net charge-offs to loans | 6.0423% | 134 |
| Credit loss provision to net charge-offs | 149.1575% | 2,647 |
| Earnings coverage of net charge-offs (x) | -0.1718% | 5,858 |
| Efficiency ratio | 123.4887% | 371 |
| Assets per employee ($millions) | 4.8613% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8439% | 962 |
| Loan loss allowance to noncurrent loans | 25.9452% | 6,617 |
| Noncurrent assets plus other real estate owned to assets | 13.1885% | 210 |
| Noncurrent loans to loans | 10.9612% | 368 |
| Net loans and leases to total assets | 79.1553% | 926 |
| Net loans and leases to deposits | 98.4483% | 832 |
| Net loans and leases to core deposits | 112.7356% | 990 |
| Total domestic deposits to total assets | 80.4029% | 5,590 |
| Equity capital to assets | 8.6596% | 5,933 |
| Core capital (leverage) ratio | 9.0231% | 4,562 |
| Tier 1 risk-based capital ratio | 11.1497% | 6,095 |
| Total risk-based capital ratio | 12.4402% | 6,041 |
| Memoranda: | ||
| Average total assets | $308,617,670 | 2,151 |
| Average earning assets | $271,231,000 | 2,217 |
| Average equity | $26,125,330 | 2,481 |
| Average total loans | $261,259,000 | 1,746 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2283% | 3,884 |
| Cost of funding earning assets | 1.1343% | 5,740 |
| Net interest margin | 4.0940% | 2,466 |
| Noninterest income to average assets | 0.2970% | 5,772 |
| Noninterest expense to average assets | 5.1440% | 334 |
| Loan and lease loss provision to assets | 10.9698% | 21 |
| Net operating income to assets | -7.9898% | 7,867 |
| Return on assets (ROA) | -7.9898% | 7,868 |
| Pretax return on assets | -12.1305% | 7,911 |
| Return on Equity (ROE) | -95.4662% | 7,823 |
| Retained earnings to average equity (ytd only) | -95.4662% | 7,819 |
| Net charge-offs to loans | 1.0706% | 1,560 |
| Credit loss provision to net charge-offs | 1,188.2517% | 410 |
| Earnings coverage of net charge-offs (x) | -1.2573% | 5,410 |
| Efficiency ratio | 129.1410% | 343 |
| Assets per employee ($millions) | 4.9893% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1867% | 319 |
| Loan loss allowance to noncurrent loans | 34.2564% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 14.6385% | 144 |
| Noncurrent loans to loans | 12.2217% | 278 |
| Net loans and leases to total assets | 82.6899% | 512 |
| Net loans and leases to deposits | 107.2791% | 370 |
| Net loans and leases to core deposits | 122.9715% | 673 |
| Total domestic deposits to total assets | 77.0793% | 6,543 |
| Equity capital to assets | 7.5318% | 7,046 |
| Core capital (leverage) ratio | 7.2796% | 7,048 |
| Tier 1 risk-based capital ratio | 8.2313% | 7,592 |
| Total risk-based capital ratio | 9.5637% | 7,593 |
| Memoranda: | ||
| Average total assets | $309,796,500 | 2,197 |
| Average earning assets | $278,944,500 | 2,216 |
| Average equity | $25,927,500 | 2,518 |
| Average total loans | $267,130,000 | 1,761 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6741% | 3,235 |
| Cost of funding earning assets | 1.6998% | 4,510 |
| Net interest margin | 3.9742% | 2,972 |
| Noninterest income to average assets | 0.1994% | 6,673 |
| Noninterest expense to average assets | 2.3144% | 6,712 |
| Loan and lease loss provision to assets | 5.7888% | 125 |
| Net operating income to assets | -2.7395% | 7,332 |
| Return on assets (ROA) | -2.7389% | 7,343 |
| Pretax return on assets | -4.2686% | 7,589 |
| Return on Equity (ROE) | -31.6478% | 7,431 |
| Retained earnings to average equity (ytd only) | -31.6478% | 7,416 |
| Net charge-offs to loans | 6.6886% | 134 |
| Credit loss provision to net charge-offs | 100.0634% | 5,511 |
| Earnings coverage of net charge-offs (x) | 0.2626% | 5,855 |
| Efficiency ratio | 60.3701% | 6,422 |
| Assets per employee ($millions) | 5.0846% | 2,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 5,448 |
| Loan loss allowance to noncurrent loans | 11.2345% | 7,344 |
| Noncurrent assets plus other real estate owned to assets | 12.0954% | 248 |
| Noncurrent loans to loans | 10.5399% | 374 |
| Net loans and leases to total assets | 85.1344% | 337 |
| Net loans and leases to deposits | 116.0040% | 230 |
| Net loans and leases to core deposits | 156.7344% | 383 |
| Total domestic deposits to total assets | 73.3892% | 7,103 |
| Equity capital to assets | 9.1777% | 4,876 |
| Core capital (leverage) ratio | 9.1722% | 4,164 |
| Tier 1 risk-based capital ratio | 10.4209% | 6,478 |
| Total risk-based capital ratio | 11.5962% | 6,514 |
| Memoranda: | ||
| Average total assets | $326,993,000 | 2,072 |
| Average earning assets | $299,028,000 | 2,078 |
| Average equity | $28,299,000 | 2,347 |
| Average total loans | $282,823,200 | 1,702 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8990% | 2,454 |
| Cost of funding earning assets | 1.7971% | 4,396 |
| Net interest margin | 4.1019% | 2,387 |
| Noninterest income to average assets | 0.1806% | 6,933 |
| Noninterest expense to average assets | 2.3079% | 6,681 |
| Loan and lease loss provision to assets | 1.7118% | 1,084 |
| Net operating income to assets | 0.0062% | 5,697 |
| Return on assets (ROA) | 0.0085% | 5,749 |
| Pretax return on assets | -0.0812% | 5,818 |
| Return on Equity (ROE) | 0.0995% | 5,747 |
| Retained earnings to average equity (ytd only) | 0.0995% | 5,163 |
| Net charge-offs to loans | 1.2272% | 1,668 |
| Credit loss provision to net charge-offs | 161.1259% | 2,938 |
| Earnings coverage of net charge-offs (x) | 1.5314% | 4,635 |
| Efficiency ratio | 58.6526% | 6,623 |
| Assets per employee ($millions) | 5.0035% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 2,463 |
| Loan loss allowance to noncurrent loans | 29.8246% | 6,469 |
| Noncurrent assets plus other real estate owned to assets | 7.7060% | 570 |
| Noncurrent loans to loans | 5.8438% | 1,031 |
| Net loans and leases to total assets | 83.3962% | 622 |
| Net loans and leases to deposits | 108.5151% | 525 |
| Net loans and leases to core deposits | 150.8319% | 563 |
| Total domestic deposits to total assets | 76.8521% | 6,379 |
| Equity capital to assets | 8.8120% | 5,766 |
| Core capital (leverage) ratio | 8.5739% | 5,341 |
| Tier 1 risk-based capital ratio | 9.8371% | 7,104 |
| Total risk-based capital ratio | 11.0920% | 7,063 |
| Memoranda: | ||
| Average total assets | $329,930,250 | 2,070 |
| Average earning assets | $301,963,750 | 2,074 |
| Average equity | $28,140,750 | 2,383 |
| Average total loans | $285,629,750 | 1,696 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0311% | 2,050 |
| Cost of funding earning assets | 1.8452% | 4,539 |
| Net interest margin | 4.1859% | 2,042 |
| Noninterest income to average assets | 0.3469% | 5,729 |
| Noninterest expense to average assets | 2.2830% | 6,805 |
| Loan and lease loss provision to assets | 2.0097% | 807 |
| Net operating income to assets | 0.0080% | 5,811 |
| Return on assets (ROA) | 0.0115% | 5,881 |
| Pretax return on assets | -0.0875% | 5,981 |
| Return on Equity (ROE) | 0.1359% | 5,877 |
| Retained earnings to average equity (ytd only) | 0.1359% | 5,151 |
| Net charge-offs to loans | 1.6030% | 1,182 |
| Credit loss provision to net charge-offs | 143.8877% | 3,220 |
| Earnings coverage of net charge-offs (x) | 1.3724% | 4,499 |
| Efficiency ratio | 54.3600% | 7,293 |
| Assets per employee ($millions) | 4.7868% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 3,498 |
| Loan loss allowance to noncurrent loans | 27.8118% | 6,647 |
| Noncurrent assets plus other real estate owned to assets | 7.3845% | 548 |
| Noncurrent loans to loans | 5.1943% | 1,154 |
| Net loans and leases to total assets | 85.9394% | 382 |
| Net loans and leases to deposits | 114.3553% | 382 |
| Net loans and leases to core deposits | 158.6470% | 476 |
| Total domestic deposits to total assets | 75.1512% | 6,733 |
| Equity capital to assets | 8.4514% | 6,117 |
| Core capital (leverage) ratio | 8.4394% | 5,545 |
| Tier 1 risk-based capital ratio | 9.4205% | 7,458 |
| Total risk-based capital ratio | 10.6625% | 7,428 |
| Memoranda: | ||
| Average total assets | $331,498,330 | 2,095 |
| Average earning assets | $305,120,000 | 2,083 |
| Average equity | $27,968,000 | 2,406 |
| Average total loans | $288,827,330 | 1,710 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2655% | 1,399 |
| Cost of funding earning assets | 1.9475% | 4,389 |
| Net interest margin | 4.3179% | 1,552 |
| Noninterest income to average assets | 0.3627% | 5,536 |
| Noninterest expense to average assets | 2.5174% | 5,777 |
| Loan and lease loss provision to assets | 1.0373% | 1,264 |
| Net operating income to assets | 0.5434% | 4,246 |
| Return on assets (ROA) | 0.5508% | 4,395 |
| Pretax return on assets | 0.8080% | 4,050 |
| Return on Equity (ROE) | 6.5341% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.5197% | 2,411 |
| Net charge-offs to loans | 2.6843% | 496 |
| Credit loss provision to net charge-offs | 44.3695% | 4,758 |
| Earnings coverage of net charge-offs (x) | 0.7846% | 4,399 |
| Efficiency ratio | 57.8478% | 6,724 |
| Assets per employee ($millions) | 4.4046% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.2203% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7241% | 7,375 |
| Loan loss allowance to noncurrent loans | 13.5606% | 7,447 |
| Noncurrent assets plus other real estate owned to assets | 6.8986% | 501 |
| Noncurrent loans to loans | 5.3401% | 991 |
| Net loans and leases to total assets | 87.3136% | 318 |
| Net loans and leases to deposits | 109.8276% | 622 |
| Net loans and leases to core deposits | 151.3831% | 659 |
| Total domestic deposits to total assets | 79.5006% | 5,540 |
| Equity capital to assets | 8.2655% | 6,436 |
| Core capital (leverage) ratio | 8.4300% | 5,663 |
| Tier 1 risk-based capital ratio | 10.4490% | 6,447 |
| Total risk-based capital ratio | 11.2541% | 6,823 |
| Memoranda: | ||
| Average total assets | $329,708,000 | 2,116 |
| Average earning assets | $304,589,000 | 2,094 |
| Average equity | $27,792,500 | 2,434 |
| Average total loans | $287,148,000 | 1,728 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8421% | 1,548 |
| Cost of funding earning assets | 2.5981% | 3,695 |
| Net interest margin | 4.2440% | 2,138 |
| Noninterest income to average assets | 0.2850% | 6,428 |
| Noninterest expense to average assets | 2.5230% | 5,920 |
| Loan and lease loss provision to assets | 0.7668% | 1,946 |
| Net operating income to assets | 0.6338% | 4,174 |
| Return on assets (ROA) | 0.6427% | 3,985 |
| Pretax return on assets | 0.9787% | 3,453 |
| Return on Equity (ROE) | 7.2406% | 3,409 |
| Retained earnings to average equity (ytd only) | 0.3514% | 5,032 |
| Net charge-offs to loans | 0.7115% | 1,735 |
| Credit loss provision to net charge-offs | 125.1497% | 4,271 |
| Earnings coverage of net charge-offs (x) | 2.8268% | 4,662 |
| Efficiency ratio | 59.2944% | 6,475 |
| Assets per employee ($millions) | 4.1624% | 3,188 |
| Cash dividends to net income (ytd only)* | 95.1475% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 4,961 |
| Loan loss allowance to noncurrent loans | 15.6928% | 7,373 |
| Noncurrent assets plus other real estate owned to assets | 7.6821% | 311 |
| Noncurrent loans to loans | 7.2949% | 398 |
| Net loans and leases to total assets | 85.2192% | 699 |
| Net loans and leases to deposits | 103.0493% | 1,462 |
| Net loans and leases to core deposits | 142.7693% | 1,141 |
| Total domestic deposits to total assets | 82.6975% | 3,895 |
| Equity capital to assets | 8.5984% | 5,939 |
| Core capital (leverage) ratio | 8.9160% | 4,865 |
| Tier 1 risk-based capital ratio | 9.7267% | 7,052 |
| Total risk-based capital ratio | 10.8417% | 7,107 |
| Memoranda: | ||
| Average total assets | $327,071,200 | 2,044 |
| Average earning assets | $305,959,600 | 1,995 |
| Average equity | $29,030,600 | 2,330 |
| Average total loans | $281,662,600 | 1,711 |