Home > Adams National Bank > Performance and Condition Ratios
Adams National 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 | 4.4229% | 5,611 |
| Cost of funding earning assets | 0.7424% | 5,911 |
| Net interest margin | 3.6805% | 4,200 |
| Noninterest income to average assets | 0.6716% | 2,719 |
| Noninterest expense to average assets | 2.9744% | 3,749 |
| Loan and lease loss provision to assets | 0.2162% | 3,490 |
| Net operating income to assets | 0.5505% | 4,269 |
| Return on assets (ROA) | 0.5505% | 4,353 |
| Pretax return on assets | 0.8747% | 3,596 |
| Return on Equity (ROE) | 4.8996% | 4,450 |
| Retained earnings to average equity (ytd only) | 4.8996% | 3,253 |
| Net charge-offs to loans | 0.0127% | 4,904 |
| Credit loss provision to net charge-offs | 3,000.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 151.4000% | 206 |
| Efficiency ratio | 70.8614% | 4,082 |
| Assets per employee ($millions) | 5.4212% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 5,848 |
| Loan loss allowance to noncurrent loans | 4.7953% | 7,049 |
| Noncurrent assets plus other real estate owned to assets | 15.8980% | 140 |
| Noncurrent loans to loans | 23.9911% | 43 |
| Net loans and leases to total assets | 56.6146% | 4,887 |
| Net loans and leases to deposits | 69.2392% | 4,485 |
| Net loans and leases to core deposits | 76.8767% | 4,179 |
| Total domestic deposits to total assets | 81.7667% | 5,403 |
| Equity capital to assets | 11.6591% | 2,155 |
| Core capital (leverage) ratio | 9.2615% | 4,186 |
| Tier 1 risk-based capital ratio | 15.2640% | 3,277 |
| Total risk-based capital ratio | 16.3482% | 3,337 |
| Memoranda: | ||
| Average total assets | $277,566,500 | 2,325 |
| Average earning assets | $255,940,500 | 2,305 |
| Average equity | $31,186,500 | 2,101 |
| Average total loans | $157,254,000 | 2,602 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0313% | 4,404 |
| Cost of funding earning assets | 0.7446% | 6,754 |
| Net interest margin | 4.2867% | 1,872 |
| Noninterest income to average assets | 0.6351% | 3,246 |
| Noninterest expense to average assets | 3.3037% | 2,731 |
| Loan and lease loss provision to assets | 0.5984% | 2,744 |
| Net operating income to assets | 0.4218% | 4,454 |
| Return on assets (ROA) | 0.4218% | 4,584 |
| Pretax return on assets | 0.6529% | 4,153 |
| Return on Equity (ROE) | 3.7895% | 4,615 |
| Retained earnings to average equity (ytd only) | 3.7895% | 3,210 |
| Net charge-offs to loans | 0.0609% | 6,181 |
| Credit loss provision to net charge-offs | 1,583.6538% | 149 |
| Earnings coverage of net charge-offs (x) | 33.1154% | 677 |
| Efficiency ratio | 70.0885% | 4,163 |
| Assets per employee ($millions) | 5.4630% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 6,234 |
| Loan loss allowance to noncurrent loans | 4.4954% | 7,130 |
| Noncurrent assets plus other real estate owned to assets | 14.9070% | 168 |
| Noncurrent loans to loans | 22.9206% | 55 |
| Net loans and leases to total assets | 55.4862% | 5,415 |
| Net loans and leases to deposits | 69.5743% | 4,866 |
| Net loans and leases to core deposits | 77.4502% | 4,526 |
| Total domestic deposits to total assets | 79.7511% | 5,900 |
| Equity capital to assets | 10.8317% | 2,828 |
| Core capital (leverage) ratio | 9.0575% | 4,441 |
| Tier 1 risk-based capital ratio | 15.1301% | 3,182 |
| Total risk-based capital ratio | 16.1008% | 3,297 |
| Memoranda: | ||
| Average total assets | $275,235,600 | 2,318 |
| Average earning assets | $251,686,400 | 2,326 |
| Average equity | $30,637,000 | 2,136 |
| Average total loans | $170,824,200 | 2,459 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2676% | 3,498 |
| Cost of funding earning assets | 0.7383% | 6,949 |
| Net interest margin | 4.5293% | 1,195 |
| Noninterest income to average assets | 0.4639% | 4,460 |
| Noninterest expense to average assets | 3.3031% | 2,566 |
| Loan and lease loss provision to assets | 0.7310% | 2,093 |
| Net operating income to assets | 0.3682% | 4,894 |
| Return on assets (ROA) | 0.3682% | 5,073 |
| Pretax return on assets | 0.5611% | 4,719 |
| Return on Equity (ROE) | 3.2849% | 5,102 |
| Retained earnings to average equity (ytd only) | 3.2849% | 4,133 |
| Net charge-offs to loans | 0.0038% | 6,626 |
| Credit loss provision to net charge-offs | 29,940.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 528.9220% | 59 |
| Efficiency ratio | 69.3199% | 4,203 |
| Assets per employee ($millions) | 5.5229% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 6,521 |
| Loan loss allowance to noncurrent loans | 4.2529% | 7,242 |
| Noncurrent assets plus other real estate owned to assets | 15.6281% | 136 |
| Noncurrent loans to loans | 22.8005% | 51 |
| Net loans and leases to total assets | 58.8027% | 5,136 |
| Net loans and leases to deposits | 74.1858% | 4,476 |
| Net loans and leases to core deposits | 79.0570% | 4,653 |
| Total domestic deposits to total assets | 79.2641% | 5,943 |
| Equity capital to assets | 11.4944% | 2,534 |
| Core capital (leverage) ratio | 9.4577% | 3,965 |
| Tier 1 risk-based capital ratio | 14.3690% | 3,582 |
| Total risk-based capital ratio | 15.2709% | 3,786 |
| Memoranda: | ||
| Average total assets | $273,026,000 | 2,369 |
| Average earning assets | $249,038,500 | 2,386 |
| Average equity | $30,603,750 | 2,156 |
| Average total loans | $173,714,500 | 2,466 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6595% | 1,911 |
| Cost of funding earning assets | 0.7186% | 7,152 |
| Net interest margin | 4.9410% | 486 |
| Noninterest income to average assets | 0.3302% | 5,515 |
| Noninterest expense to average assets | 3.2928% | 2,585 |
| Loan and lease loss provision to assets | 0.9905% | 1,467 |
| Net operating income to assets | 0.3566% | 4,942 |
| Return on assets (ROA) | 0.3566% | 5,103 |
| Pretax return on assets | 0.5419% | 4,769 |
| Return on Equity (ROE) | 3.2093% | 5,132 |
| Retained earnings to average equity (ytd only) | 3.2093% | 4,066 |
| Net charge-offs to loans | 0.0068% | 6,268 |
| Credit loss provision to net charge-offs | 22,450.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 347.3333% | 94 |
| Efficiency ratio | 65.8031% | 5,019 |
| Assets per employee ($millions) | 5.0549% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 6,876 |
| Loan loss allowance to noncurrent loans | 3.8603% | 7,317 |
| Noncurrent assets plus other real estate owned to assets | 16.6589% | 102 |
| Noncurrent loans to loans | 22.3117% | 51 |
| Net loans and leases to total assets | 63.0133% | 4,464 |
| Net loans and leases to deposits | 77.9257% | 3,979 |
| Net loans and leases to core deposits | 87.0604% | 3,685 |
| Total domestic deposits to total assets | 80.8634% | 5,449 |
| Equity capital to assets | 11.7467% | 2,250 |
| Core capital (leverage) ratio | 9.3236% | 4,074 |
| Tier 1 risk-based capital ratio | 13.4542% | 4,100 |
| Total risk-based capital ratio | 14.2494% | 4,401 |
| Memoranda: | ||
| Average total assets | $271,986,670 | 2,400 |
| Average earning assets | $247,441,670 | 2,418 |
| Average equity | $30,224,670 | 2,179 |
| Average total loans | $176,962,670 | 2,454 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9218% | 1,149 |
| Cost of funding earning assets | 0.7041% | 7,328 |
| Net interest margin | 5.2177% | 280 |
| Noninterest income to average assets | 0.3081% | 5,678 |
| Noninterest expense to average assets | 3.2833% | 2,585 |
| Loan and lease loss provision to assets | 0.5062% | 2,466 |
| Net operating income to assets | 0.7854% | 3,032 |
| Return on assets (ROA) | 0.7854% | 3,150 |
| Pretax return on assets | 1.2670% | 2,145 |
| Return on Equity (ROE) | 7.2646% | 3,215 |
| Retained earnings to average equity (ytd only) | 7.2646% | 2,026 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6430% | 5,720 |
| Assets per employee ($millions) | 5.2641% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2499% | 7,789 |
| Loan loss allowance to noncurrent loans | 1.2287% | 7,402 |
| Noncurrent assets plus other real estate owned to assets | 16.4696% | 105 |
| Noncurrent loans to loans | 20.3413% | 72 |
| Net loans and leases to total assets | 67.9327% | 3,403 |
| Net loans and leases to deposits | 84.6757% | 2,822 |
| Net loans and leases to core deposits | 95.6304% | 2,623 |
| Total domestic deposits to total assets | 80.2269% | 5,709 |
| Equity capital to assets | 11.7243% | 2,213 |
| Core capital (leverage) ratio | 9.0144% | 4,540 |
| Tier 1 risk-based capital ratio | 12.6266% | 4,623 |
| Total risk-based capital ratio | 12.8594% | 5,537 |
| Memoranda: | ||
| Average total assets | $276,551,500 | 2,415 |
| Average earning assets | $251,680,500 | 2,430 |
| Average equity | $29,898,500 | 2,223 |
| Average total loans | $181,907,000 | 2,467 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2931% | 7,959 |
| Cost of funding earning assets | 0.1356% | 7,954 |
| Net interest margin | 1.1575% | 7,910 |
| Noninterest income to average assets | 0.0811% | 7,350 |
| Noninterest expense to average assets | 0.8457% | 7,961 |
| Loan and lease loss provision to assets | 0.0500% | 7,061 |
| Net operating income to assets | 0.1585% | 5,029 |
| Return on assets (ROA) | 0.1585% | 5,096 |
| Pretax return on assets | 0.2532% | 4,887 |
| Return on Equity (ROE) | 1.6503% | 5,036 |
| Retained earnings to average equity (ytd only) | 1.6503% | 3,926 |
| Net charge-offs to loans | 0.0232% | 6,912 |
| Credit loss provision to net charge-offs | 288.4615% | 1,165 |
| Earnings coverage of net charge-offs (x) | 17.4808% | 1,184 |
| Efficiency ratio | 71.2834% | 4,391 |
| Assets per employee ($millions) | 4.2632% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0531% | 7,927 |
| Loan loss allowance to noncurrent loans | 0.2845% | 7,440 |
| Noncurrent assets plus other real estate owned to assets | 14.4607% | 151 |
| Noncurrent loans to loans | 18.6635% | 89 |
| Net loans and leases to total assets | 63.6312% | 4,671 |
| Net loans and leases to deposits | 78.0028% | 4,372 |
| Net loans and leases to core deposits | 101.4503% | 3,852 |
| Total domestic deposits to total assets | 81.5755% | 5,120 |
| Equity capital to assets | 9.9822% | 3,784 |
| Core capital (leverage) ratio | 9.0187% | 4,386 |
| Tier 1 risk-based capital ratio | 12.2154% | 4,753 |
| Total risk-based capital ratio | 12.2631% | 5,873 |
| Memoranda: | ||
| Average total assets | $299,753,800 | 2,217 |
| Average earning assets | $276,550,400 | 2,197 |
| Average equity | $28,783,000 | 2,314 |
| Average total loans | $223,772,200 | 2,072 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2121% | 5,831 |
| Cost of funding earning assets | 1.6560% | 5,130 |
| Net interest margin | 3.5561% | 4,653 |
| Noninterest income to average assets | 0.4301% | 5,047 |
| Noninterest expense to average assets | 4.2269% | 1,004 |
| Loan and lease loss provision to assets | 0.2868% | 4,680 |
| Net operating income to assets | -0.4355% | 6,361 |
| Return on assets (ROA) | -0.4443% | 6,373 |
| Pretax return on assets | -0.8078% | 6,548 |
| Return on Equity (ROE) | -4.6710% | 6,412 |
| Retained earnings to average equity (ytd only) | -4.6710% | 6,211 |
| Net charge-offs to loans | 0.5354% | 3,077 |
| Credit loss provision to net charge-offs | 69.2964% | 5,994 |
| Earnings coverage of net charge-offs (x) | -1.2260% | 6,667 |
| Efficiency ratio | 113.6401% | 700 |
| Assets per employee ($millions) | 4.4089% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1593% | 265 |
| Loan loss allowance to noncurrent loans | 17.9583% | 7,199 |
| Noncurrent assets plus other real estate owned to assets | 18.8752% | 60 |
| Noncurrent loans to loans | 23.1606% | 40 |
| Net loans and leases to total assets | 73.8561% | 2,568 |
| Net loans and leases to deposits | 93.6827% | 1,934 |
| Net loans and leases to core deposits | 129.7805% | 1,448 |
| Total domestic deposits to total assets | 78.8364% | 5,858 |
| Equity capital to assets | 10.1170% | 3,945 |
| Core capital (leverage) ratio | 9.8211% | 3,495 |
| Tier 1 risk-based capital ratio | 12.4361% | 4,600 |
| Total risk-based capital ratio | 13.7199% | 4,519 |
| Memoranda: | ||
| Average total assets | $302,218,000 | 2,214 |
| Average earning assets | $279,546,750 | 2,198 |
| Average equity | $28,744,250 | 2,340 |
| Average total loans | $233,574,500 | 2,029 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3135% | 5,594 |
| Cost of funding earning assets | 1.7407% | 5,060 |
| Net interest margin | 3.5728% | 4,482 |
| Noninterest income to average assets | 0.4293% | 5,039 |
| Noninterest expense to average assets | 3.7002% | 1,836 |
| Loan and lease loss provision to assets | 0.3237% | 4,002 |
| Net operating income to assets | -0.1412% | 6,089 |
| Return on assets (ROA) | -0.1541% | 6,136 |
| Pretax return on assets | -0.3244% | 6,259 |
| Return on Equity (ROE) | -1.6522% | 6,170 |
| Retained earnings to average equity (ytd only) | -1.6522% | 5,660 |
| Net charge-offs to loans | 0.0343% | 5,982 |
| Credit loss provision to net charge-offs | 1,219.5122% | 403 |
| Earnings coverage of net charge-offs (x) | 0.7317% | 4,990 |
| Efficiency ratio | 99.4778% | 1,200 |
| Assets per employee ($millions) | 4.4455% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3650% | 193 |
| Loan loss allowance to noncurrent loans | 19.8697% | 7,135 |
| Noncurrent assets plus other real estate owned to assets | 18.1559% | 60 |
| Noncurrent loans to loans | 21.9682% | 42 |
| Net loans and leases to total assets | 73.1127% | 2,936 |
| Net loans and leases to deposits | 94.9223% | 1,968 |
| Net loans and leases to core deposits | 121.4584% | 2,247 |
| Total domestic deposits to total assets | 77.0238% | 6,322 |
| Equity capital to assets | 9.8677% | 4,123 |
| Core capital (leverage) ratio | 9.7619% | 3,562 |
| Tier 1 risk-based capital ratio | 12.0746% | 4,854 |
| Total risk-based capital ratio | 13.3598% | 4,744 |
| Memoranda: | ||
| Average total assets | $308,901,000 | 2,210 |
| Average earning assets | $284,484,000 | 2,202 |
| Average equity | $28,810,000 | 2,350 |
| Average total loans | $238,951,670 | 2,014 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4101% | 5,372 |
| Cost of funding earning assets | 1.9040% | 4,610 |
| Net interest margin | 3.5061% | 4,705 |
| Noninterest income to average assets | 0.4093% | 5,142 |
| Noninterest expense to average assets | 3.5130% | 2,064 |
| Loan and lease loss provision to assets | 0.4421% | 2,714 |
| Net operating income to assets | -0.1788% | 6,523 |
| Return on assets (ROA) | -0.2046% | 6,645 |
| Pretax return on assets | -0.3739% | 6,729 |
| Return on Equity (ROE) | -2.2548% | 6,688 |
| Retained earnings to average equity (ytd only) | -2.2548% | 6,149 |
| Net charge-offs to loans | 0.2225% | 3,305 |
| Credit loss provision to net charge-offs | 255.4745% | 1,845 |
| Earnings coverage of net charge-offs (x) | 0.6277% | 4,488 |
| Efficiency ratio | 97.0003% | 1,267 |
| Assets per employee ($millions) | 4.5953% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0439% | 213 |
| Loan loss allowance to noncurrent loans | 20.5733% | 7,138 |
| Noncurrent assets plus other real estate owned to assets | 16.6329% | 56 |
| Noncurrent loans to loans | 19.6562% | 46 |
| Net loans and leases to total assets | 74.6767% | 2,583 |
| Net loans and leases to deposits | 93.5947% | 2,345 |
| Net loans and leases to core deposits | 117.0113% | 2,680 |
| Total domestic deposits to total assets | 79.7873% | 5,436 |
| Equity capital to assets | 9.3330% | 4,884 |
| Core capital (leverage) ratio | 8.8791% | 4,880 |
| Tier 1 risk-based capital ratio | 11.2701% | 5,628 |
| Total risk-based capital ratio | 12.5521% | 5,511 |
| Memoranda: | ||
| Average total assets | $316,650,000 | 2,176 |
| Average earning assets | $290,122,500 | 2,182 |
| Average equity | $28,739,000 | 2,366 |
| Average total loans | $246,274,500 | 1,983 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2177% | 4,424 |
| Cost of funding earning assets | 2.5251% | 4,071 |
| Net interest margin | 3.6926% | 4,504 |
| Noninterest income to average assets | 0.3822% | 5,623 |
| Noninterest expense to average assets | 2.7927% | 4,851 |
| Loan and lease loss provision to assets | 2.7421% | 354 |
| Net operating income to assets | -0.9853% | 7,243 |
| Return on assets (ROA) | -1.1066% | 7,234 |
| Pretax return on assets | -1.9106% | 7,411 |
| Return on Equity (ROE) | -14.0745% | 7,546 |
| Retained earnings to average equity (ytd only) | -16.4663% | 7,539 |
| Net charge-offs to loans | 1.2706% | 942 |
| Credit loss provision to net charge-offs | 286.0851% | 1,587 |
| Earnings coverage of net charge-offs (x) | 1.0652% | 5,598 |
| Efficiency ratio | 73.2286% | 3,705 |
| Assets per employee ($millions) | 4.4596% | 2,679 |
| Cash dividends to net income (ytd only)* | -16.9935% | 7,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6380% | 249 |
| Loan loss allowance to noncurrent loans | 32.1904% | 6,577 |
| Noncurrent assets plus other real estate owned to assets | 10.0342% | 161 |
| Noncurrent loans to loans | 11.3014% | 158 |
| Net loans and leases to total assets | 74.9023% | 2,899 |
| Net loans and leases to deposits | 93.2380% | 2,915 |
| Net loans and leases to core deposits | 109.5945% | 3,807 |
| Total domestic deposits to total assets | 80.3345% | 4,895 |
| Equity capital to assets | 8.8397% | 5,588 |
| Core capital (leverage) ratio | 8.6299% | 5,322 |
| Tier 1 risk-based capital ratio | 10.3945% | 6,319 |
| Total risk-based capital ratio | 11.6716% | 6,170 |
| Memoranda: | ||
| Average total assets | $345,653,200 | 1,926 |
| Average earning assets | $321,209,600 | 1,896 |
| Average equity | $27,176,800 | 2,461 |
| Average total loans | $260,751,000 | 1,829 |