Home > First Niagara Commercial Bank > Performance and Condition Ratios
First Niagara Commercial Bank, Performance and Condition Ratios
| 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 | 1.1165% | 7,903 |
| Cost of funding earning assets | 0.5004% | 7,672 |
| Net interest margin | 0.6162% | 7,895 |
| Noninterest income to average assets | 0.0115% | 7,618 |
| Noninterest expense to average assets | 0.3458% | 7,917 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2398% | 5,547 |
| Return on assets (ROA) | 0.2398% | 5,660 |
| Pretax return on assets | 0.2667% | 5,696 |
| Return on Equity (ROE) | 3.3962% | 5,169 |
| Retained earnings to average equity (ytd only) | 3.3962% | 4,122 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6530% | 7,007 |
| Assets per employee ($millions) | 157.1671% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 91.9031% | 261 |
| Equity capital to assets | 6.4419% | 7,535 |
| Core capital (leverage) ratio | 5.0816% | 7,694 |
| Tier 1 risk-based capital ratio | 22.8959% | 1,092 |
| Total risk-based capital ratio | 22.8959% | 1,232 |
| Memoranda: | ||
| Average total assets | $1,144,153,000 | 595 |
| Average earning assets | $1,115,958,500 | 555 |
| Average equity | $80,797,000 | 814 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7076% | 7,942 |
| Cost of funding earning assets | 0.6880% | 7,695 |
| Net interest margin | 1.0196% | 7,930 |
| Noninterest income to average assets | 0.0053% | 7,677 |
| Noninterest expense to average assets | 0.4311% | 7,988 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4677% | 3,865 |
| Return on assets (ROA) | 0.4677% | 3,981 |
| Pretax return on assets | 0.5604% | 4,018 |
| Return on Equity (ROE) | 5.7702% | 3,305 |
| Retained earnings to average equity (ytd only) | 5.7702% | 1,440 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2890% | 7,842 |
| Assets per employee ($millions) | 114.5521% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 90.4044% | 777 |
| Equity capital to assets | 7.8176% | 6,748 |
| Core capital (leverage) ratio | 5.2453% | 7,739 |
| Tier 1 risk-based capital ratio | 27.6277% | 662 |
| Total risk-based capital ratio | 27.6277% | 727 |
| Memoranda: | ||
| Average total assets | $912,304,000 | 741 |
| Average earning assets | $882,545,600 | 687 |
| Average equity | $73,948,400 | 878 |
| Average total loans | $49,800 | 7,967 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8280% | 8,036 |
| Cost of funding earning assets | 0.7171% | 7,791 |
| Net interest margin | 1.1109% | 8,002 |
| Noninterest income to average assets | 0.0015% | 7,829 |
| Noninterest expense to average assets | 0.4190% | 8,080 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5357% | 3,843 |
| Return on assets (ROA) | 0.5357% | 3,930 |
| Pretax return on assets | 0.6556% | 4,001 |
| Return on Equity (ROE) | 6.5405% | 3,285 |
| Retained earnings to average equity (ytd only) | 6.5405% | 1,693 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8991% | 7,965 |
| Assets per employee ($millions) | 132.5951% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 0.0235% | 8,049 |
| Net loans and leases to deposits | 0.0261% | 8,049 |
| Net loans and leases to core deposits | 0.0265% | 8,039 |
| Total domestic deposits to total assets | 89.8073% | 841 |
| Equity capital to assets | 7.5369% | 7,271 |
| Core capital (leverage) ratio | 6.0103% | 7,796 |
| Tier 1 risk-based capital ratio | 26.2152% | 807 |
| Total risk-based capital ratio | 26.2152% | 878 |
| Memoranda: | ||
| Average total assets | $882,637,750 | 776 |
| Average earning assets | $852,632,250 | 723 |
| Average equity | $72,286,250 | 917 |
| Average total loans | $62,250 | 8,049 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0333% | 8,123 |
| Cost of funding earning assets | 0.8046% | 7,813 |
| Net interest margin | 1.2287% | 8,069 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 0.4251% | 8,173 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6166% | 3,608 |
| Return on assets (ROA) | 0.6166% | 3,721 |
| Pretax return on assets | 0.7587% | 3,807 |
| Return on Equity (ROE) | 7.2793% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.2793% | 1,479 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8600% | 8,086 |
| Assets per employee ($millions) | 125.1901% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 87.7861% | 1,882 |
| Equity capital to assets | 8.3189% | 6,304 |
| Core capital (leverage) ratio | 5.5835% | 7,976 |
| Tier 1 risk-based capital ratio | 27.5556% | 743 |
| Total risk-based capital ratio | 27.5556% | 806 |
| Memoranda: | ||
| Average total assets | $823,263,330 | 852 |
| Average earning assets | $793,187,330 | 802 |
| Average equity | $69,732,330 | 959 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2438% | 8,176 |
| Cost of funding earning assets | 0.8740% | 7,839 |
| Net interest margin | 1.3698% | 8,093 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 0.3359% | 8,228 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7671% | 3,271 |
| Return on assets (ROA) | 0.7671% | 3,444 |
| Pretax return on assets | 0.9820% | 3,412 |
| Return on Equity (ROE) | 8.9687% | 2,734 |
| Retained earnings to average equity (ytd only) | 8.9687% | 1,494 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.5429% | 8,178 |
| Assets per employee ($millions) | 128.3554% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 89.4838% | 1,019 |
| Equity capital to assets | 8.0203% | 6,774 |
| Core capital (leverage) ratio | 6.1790% | 7,972 |
| Tier 1 risk-based capital ratio | 26.2164% | 874 |
| Total risk-based capital ratio | 26.2164% | 959 |
| Memoranda: | ||
| Average total assets | $796,729,500 | 883 |
| Average earning assets | $766,556,000 | 835 |
| Average equity | $68,148,000 | 986 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4588% | 8,201 |
| Cost of funding earning assets | 2.1454% | 5,853 |
| Net interest margin | 0.3135% | 8,279 |
| Noninterest income to average assets | 0.0003% | 8,106 |
| Noninterest expense to average assets | 0.2332% | 8,282 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3322% | 5,435 |
| Return on assets (ROA) | 0.3322% | 5,253 |
| Pretax return on assets | 0.0672% | 6,014 |
| Return on Equity (ROE) | 3.5029% | 5,035 |
| Retained earnings to average equity (ytd only) | 3.5029% | 2,961 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8841% | 5,149 |
| Assets per employee ($millions) | 99.2816% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 90.5609% | 464 |
| Equity capital to assets | 9.2428% | 5,016 |
| Core capital (leverage) ratio | 6.2297% | 8,010 |
| Tier 1 risk-based capital ratio | 28.4179% | 739 |
| Total risk-based capital ratio | 28.4179% | 792 |
| Memoranda: | ||
| Average total assets | $666,455,800 | 1,003 |
| Average earning assets | $638,027,600 | 953 |
| Average equity | $63,205,000 | 1,060 |
| Average total loans | NA | NA |