Home > First Coleman National Bank of Coleman > Performance and Condition Ratios
First Coleman National Bank of Coleman, Performance and Condition Ratios
| 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 | 5.8373% | 1,289 |
| Cost of funding earning assets | 0.6546% | 7,168 |
| Net interest margin | 5.1827% | 308 |
| Noninterest income to average assets | 0.9274% | 1,698 |
| Noninterest expense to average assets | 2.7556% | 4,658 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 3.0848% | 74 |
| Return on assets (ROA) | 3.0848% | 77 |
| Pretax return on assets | 3.0848% | 113 |
| Return on Equity (ROE) | 28.8276% | 61 |
| Retained earnings to average equity (ytd only) | 12.2003% | 436 |
| Net charge-offs to loans | -0.2322% | 7,634 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1820% | 7,319 |
| Assets per employee ($millions) | 3.5489% | 4,857 |
| Cash dividends to net income (ytd only)* | 57.6784% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 5,579 |
| Loan loss allowance to noncurrent loans | 42.9355% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 2.4166% | 2,961 |
| Noncurrent loans to loans | 2.7537% | 2,885 |
| Net loans and leases to total assets | 86.7218% | 154 |
| Net loans and leases to deposits | 97.6466% | 824 |
| Net loans and leases to core deposits | 98.7655% | 1,962 |
| Total domestic deposits to total assets | 88.8119% | 1,501 |
| Equity capital to assets | 11.0124% | 2,951 |
| Core capital (leverage) ratio | 10.8991% | 2,334 |
| Tier 1 risk-based capital ratio | 12.4608% | 5,019 |
| Total risk-based capital ratio | 13.6349% | 5,065 |
| Memoranda: | ||
| Average total assets | $59,948,500 | 6,272 |
| Average earning assets | $56,828,250 | 6,173 |
| Average equity | $6,415,000 | 6,316 |
| Average total loans | $53,411,250 | 5,415 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8628% | 1,267 |
| Cost of funding earning assets | 0.6777% | 7,239 |
| Net interest margin | 5.1851% | 293 |
| Noninterest income to average assets | 1.0097% | 1,354 |
| Noninterest expense to average assets | 2.7215% | 4,828 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 3.1996% | 70 |
| Return on assets (ROA) | 3.1996% | 73 |
| Pretax return on assets | 3.1996% | 105 |
| Return on Equity (ROE) | 30.1956% | 56 |
| Retained earnings to average equity (ytd only) | 11.2642% | 602 |
| Net charge-offs to loans | -0.3472% | 7,702 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9627% | 7,443 |
| Assets per employee ($millions) | 3.5045% | 4,919 |
| Cash dividends to net income (ytd only)* | 62.6959% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 5,558 |
| Loan loss allowance to noncurrent loans | 117.4484% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.8947% | 5,329 |
| Noncurrent loans to loans | 1.0044% | 5,306 |
| Net loans and leases to total assets | 88.0220% | 129 |
| Net loans and leases to deposits | 98.7999% | 813 |
| Net loans and leases to core deposits | 99.9409% | 2,022 |
| Total domestic deposits to total assets | 89.0912% | 1,382 |
| Equity capital to assets | 10.7644% | 3,110 |
| Core capital (leverage) ratio | 10.5166% | 2,622 |
| Tier 1 risk-based capital ratio | 11.6998% | 5,584 |
| Total risk-based capital ratio | 12.8418% | 5,641 |
| Memoranda: | ||
| Average total assets | $59,820,670 | 6,312 |
| Average earning assets | $56,662,000 | 6,215 |
| Average equity | $6,338,670 | 6,358 |
| Average total loans | $53,566,000 | 5,443 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8933% | 1,214 |
| Cost of funding earning assets | 0.6900% | 7,355 |
| Net interest margin | 5.2033% | 285 |
| Noninterest income to average assets | 1.0210% | 1,234 |
| Noninterest expense to average assets | 2.6892% | 4,959 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 3.2631% | 73 |
| Return on assets (ROA) | 3.2631% | 79 |
| Pretax return on assets | 3.2631% | 115 |
| Return on Equity (ROE) | 31.0402% | 82 |
| Retained earnings to average equity (ytd only) | 31.0402% | 58 |
| Net charge-offs to loans | -0.0297% | 7,191 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1794% | 7,584 |
| Assets per employee ($millions) | 3.4945% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 6,359 |
| Loan loss allowance to noncurrent loans | 113.2911% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.7979% | 5,560 |
| Noncurrent loans to loans | 0.9008% | 5,516 |
| Net loans and leases to total assets | 87.6681% | 136 |
| Net loans and leases to deposits | 98.6457% | 850 |
| Net loans and leases to core deposits | 101.5997% | 1,965 |
| Total domestic deposits to total assets | 88.8717% | 1,585 |
| Equity capital to assets | 11.0189% | 2,739 |
| Core capital (leverage) ratio | 10.9520% | 2,262 |
| Tier 1 risk-based capital ratio | 11.7965% | 5,401 |
| Total risk-based capital ratio | 12.7642% | 5,634 |
| Memoranda: | ||
| Average total assets | $59,943,000 | 6,387 |
| Average earning assets | $56,810,500 | 6,286 |
| Average equity | $6,301,500 | 6,414 |
| Average total loans | $53,816,000 | 5,499 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1099% | 1,488 |
| Cost of funding earning assets | 0.8347% | 7,506 |
| Net interest margin | 5.2752% | 255 |
| Noninterest income to average assets | 1.0067% | 1,547 |
| Noninterest expense to average assets | 2.6594% | 5,556 |
| Loan and lease loss provision to assets | 0.5721% | 3,514 |
| Net operating income to assets | 2.6937% | 72 |
| Return on assets (ROA) | 2.6937% | 76 |
| Pretax return on assets | 2.6937% | 127 |
| Return on Equity (ROE) | 25.6276% | 85 |
| Retained earnings to average equity (ytd only) | 5.6060% | 1,521 |
| Net charge-offs to loans | 0.9147% | 2,562 |
| Credit loss provision to net charge-offs | 68.0982% | 6,524 |
| Earnings coverage of net charge-offs (x) | 3.8875% | 3,153 |
| Efficiency ratio | 44.8826% | 7,753 |
| Assets per employee ($millions) | 3.5576% | 4,874 |
| Cash dividends to net income (ytd only)* | 78.1250% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9688% | 6,538 |
| Loan loss allowance to noncurrent loans | 107.8947% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 5,470 |
| Noncurrent loans to loans | 0.8980% | 5,516 |
| Net loans and leases to total assets | 90.0825% | 86 |
| Net loans and leases to deposits | 100.1692% | 885 |
| Net loans and leases to core deposits | 131.2700% | 1,211 |
| Total domestic deposits to total assets | 89.9304% | 998 |
| Equity capital to assets | 10.0150% | 3,740 |
| Core capital (leverage) ratio | 10.1797% | 2,911 |
| Tier 1 risk-based capital ratio | 10.5466% | 6,345 |
| Total risk-based capital ratio | 11.4746% | 6,633 |
| Memoranda: | ||
| Average total assets | $58,209,400 | 6,425 |
| Average earning assets | $54,272,400 | 6,365 |
| Average equity | $6,118,400 | 6,564 |
| Average total loans | $53,458,800 | 5,528 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1636% | 1,465 |
| Cost of funding earning assets | 0.8827% | 7,586 |
| Net interest margin | 5.2810% | 263 |
| Noninterest income to average assets | 1.0039% | 1,596 |
| Noninterest expense to average assets | 2.7687% | 5,021 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 3.1342% | 58 |
| Return on assets (ROA) | 3.1342% | 63 |
| Pretax return on assets | 3.1342% | 98 |
| Return on Equity (ROE) | 29.4538% | 65 |
| Retained earnings to average equity (ytd only) | 18.5852% | 83 |
| Net charge-offs to loans | -0.0100% | 7,684 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9044% | 7,725 |
| Assets per employee ($millions) | 3.3615% | 5,231 |
| Cash dividends to net income (ytd only)* | 36.9004% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3278% | 4,332 |
| Loan loss allowance to noncurrent loans | 190.3846% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 1.9949% | 3,352 |
| Noncurrent loans to loans | 0.6974% | 5,906 |
| Net loans and leases to total assets | 90.1200% | 114 |
| Net loans and leases to deposits | 102.0792% | 912 |
| Net loans and leases to core deposits | 128.3585% | 1,552 |
| Total domestic deposits to total assets | 88.2844% | 1,524 |
| Equity capital to assets | 11.4951% | 2,590 |
| Core capital (leverage) ratio | 11.3948% | 2,129 |
| Tier 1 risk-based capital ratio | 11.6598% | 5,286 |
| Total risk-based capital ratio | 12.8898% | 5,235 |
| Memoranda: | ||
| Average total assets | $57,642,000 | 6,480 |
| Average earning assets | $53,473,750 | 6,447 |
| Average equity | $6,133,750 | 6,620 |
| Average total loans | $53,070,000 | 5,592 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1444% | 1,642 |
| Cost of funding earning assets | 0.9375% | 7,649 |
| Net interest margin | 5.2069% | 295 |
| Noninterest income to average assets | 0.9618% | 1,723 |
| Noninterest expense to average assets | 2.7817% | 5,040 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 3.0031% | 56 |
| Return on assets (ROA) | 3.0031% | 63 |
| Pretax return on assets | 3.0031% | 98 |
| Return on Equity (ROE) | 28.9881% | 81 |
| Retained earnings to average equity (ytd only) | 12.2899% | 402 |
| Net charge-offs to loans | -0.0225% | 7,721 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0861% | 7,749 |
| Assets per employee ($millions) | 3.3592% | 5,163 |
| Cash dividends to net income (ytd only)* | 57.6037% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 3,981 |
| Loan loss allowance to noncurrent loans | 199.4269% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 2.1364% | 3,009 |
| Noncurrent loans to loans | 0.6769% | 5,894 |
| Net loans and leases to total assets | 89.0677% | 180 |
| Net loans and leases to deposits | 99.8841% | 1,299 |
| Net loans and leases to core deposits | 125.8487% | 1,890 |
| Total domestic deposits to total assets | 89.1710% | 1,182 |
| Equity capital to assets | 10.6504% | 3,250 |
| Core capital (leverage) ratio | 10.4714% | 2,833 |
| Tier 1 risk-based capital ratio | 10.5846% | 6,308 |
| Total risk-based capital ratio | 11.7958% | 6,289 |
| Memoranda: | ||
| Average total assets | $57,807,330 | 6,523 |
| Average earning assets | $53,544,670 | 6,489 |
| Average equity | $5,988,670 | 6,722 |
| Average total loans | $53,362,330 | 5,622 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1900% | 1,631 |
| Cost of funding earning assets | 0.9907% | 7,683 |
| Net interest margin | 5.1993% | 280 |
| Noninterest income to average assets | 1.0042% | 1,473 |
| Noninterest expense to average assets | 2.6617% | 5,177 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 3.1432% | 58 |
| Return on assets (ROA) | 3.1432% | 69 |
| Pretax return on assets | 3.1432% | 112 |
| Return on Equity (ROE) | 30.7641% | 97 |
| Retained earnings to average equity (ytd only) | 30.7641% | 52 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8531% | 7,848 |
| Assets per employee ($millions) | 3.4644% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 4,253 |
| Loan loss allowance to noncurrent loans | 48.2831% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 2.4230% | 2,368 |
| Noncurrent loans to loans | 2.6372% | 2,493 |
| Net loans and leases to total assets | 90.7055% | 112 |
| Net loans and leases to deposits | 101.4740% | 1,233 |
| Net loans and leases to core deposits | 132.6637% | 1,491 |
| Total domestic deposits to total assets | 89.3879% | 1,061 |
| Equity capital to assets | 10.4763% | 3,485 |
| Core capital (leverage) ratio | 10.5071% | 2,915 |
| Tier 1 risk-based capital ratio | 10.6363% | 6,249 |
| Total risk-based capital ratio | 11.8240% | 6,235 |
| Memoranda: | ||
| Average total assets | $58,158,000 | 6,539 |
| Average earning assets | $53,699,500 | 6,514 |
| Average equity | $5,942,000 | 6,788 |
| Average total loans | $54,264,000 | 5,618 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1382% | 838 |
| Cost of funding earning assets | 1.5412% | 7,545 |
| Net interest margin | 5.5970% | 180 |
| Noninterest income to average assets | 1.1274% | 1,230 |
| Noninterest expense to average assets | 2.7116% | 5,216 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 3.6161% | 46 |
| Return on assets (ROA) | 3.6161% | 47 |
| Pretax return on assets | 3.6161% | 69 |
| Return on Equity (ROE) | 35.1790% | 27 |
| Retained earnings to average equity (ytd only) | 2.5569% | 3,606 |
| Net charge-offs to loans | -0.0776% | 8,066 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8531% | 8,046 |
| Assets per employee ($millions) | 3.3777% | 5,003 |
| Cash dividends to net income (ytd only)* | 92.7318% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 4,003 |
| Loan loss allowance to noncurrent loans | 242.9577% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.4946% | 5,714 |
| Noncurrent loans to loans | 0.5219% | 5,789 |
| Net loans and leases to total assets | 93.5686% | 40 |
| Net loans and leases to deposits | 104.0736% | 1,335 |
| Net loans and leases to core deposits | 130.7792% | 1,797 |
| Total domestic deposits to total assets | 89.9061% | 683 |
| Equity capital to assets | 9.9511% | 4,101 |
| Core capital (leverage) ratio | 9.9355% | 3,510 |
| Tier 1 risk-based capital ratio | 9.8327% | 6,916 |
| Total risk-based capital ratio | 11.0201% | 6,884 |
| Memoranda: | ||
| Average total assets | $55,170,400 | 6,568 |
| Average earning assets | $51,259,600 | 6,538 |
| Average equity | $5,671,000 | 6,928 |
| Average total loans | $51,566,600 | 5,642 |