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First National Bank, Performance and Condition Ratios
| 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 | 6.1667% | 1,705 |
| Cost of funding earning assets | 2.0420% | 3,913 |
| Net interest margin | 4.1248% | 2,194 |
| Noninterest income to average assets | 1.4319% | 686 |
| Noninterest expense to average assets | 4.3388% | 822 |
| Loan and lease loss provision to assets | 0.5795% | 2,175 |
| Net operating income to assets | 0.2030% | 5,650 |
| Return on assets (ROA) | 0.2030% | 5,816 |
| Pretax return on assets | 0.3133% | 5,646 |
| Return on Equity (ROE) | 2.8010% | 5,453 |
| Retained earnings to average equity (ytd only) | -0.6678% | 5,801 |
| Net charge-offs to loans | 0.2662% | 3,070 |
| Credit loss provision to net charge-offs | 253.5294% | 1,854 |
| Earnings coverage of net charge-offs (x) | 3.9059% | 3,030 |
| Efficiency ratio | 82.9350% | 2,419 |
| Assets per employee ($millions) | 2.4652% | 7,348 |
| Cash dividends to net income (ytd only)* | 123.8411% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 3,320 |
| Loan loss allowance to noncurrent loans | 90.7074% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.5039% | 3,677 |
| Noncurrent loans to loans | 1.5820% | 3,902 |
| Net loans and leases to total assets | 84.0450% | 684 |
| Net loans and leases to deposits | 96.6109% | 1,850 |
| Net loans and leases to core deposits | 118.1049% | 2,588 |
| Total domestic deposits to total assets | 86.9933% | 2,222 |
| Equity capital to assets | 7.1594% | 7,593 |
| Core capital (leverage) ratio | 7.2522% | 7,426 |
| Tier 1 risk-based capital ratio | 9.2404% | 7,637 |
| Total risk-based capital ratio | 10.4959% | 7,615 |
| Memoranda: | ||
| Average total assets | $297,503,500 | 2,286 |
| Average earning assets | $274,051,000 | 2,271 |
| Average equity | $21,563,500 | 3,031 |
| Average total loans | $255,444,000 | 1,931 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2231% | 700 |
| Cost of funding earning assets | 2.6521% | 3,414 |
| Net interest margin | 4.5710% | 1,246 |
| Noninterest income to average assets | 1.3158% | 842 |
| Noninterest expense to average assets | 4.2790% | 1,070 |
| Loan and lease loss provision to assets | 0.6016% | 2,420 |
| Net operating income to assets | 0.3931% | 5,178 |
| Return on assets (ROA) | 0.3931% | 4,994 |
| Pretax return on assets | 0.6092% | 4,665 |
| Return on Equity (ROE) | 5.2720% | 4,251 |
| Retained earnings to average equity (ytd only) | 1.8097% | 4,108 |
| Net charge-offs to loans | 0.5876% | 2,067 |
| Credit loss provision to net charge-offs | 116.7669% | 4,621 |
| Earnings coverage of net charge-offs (x) | 2.3500% | 4,910 |
| Efficiency ratio | 77.9436% | 2,925 |
| Assets per employee ($millions) | 2.2635% | 7,612 |
| Cash dividends to net income (ytd only)* | 65.6743% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 3,516 |
| Loan loss allowance to noncurrent loans | 216.1923% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 1.5901% | 3,059 |
| Noncurrent loans to loans | 0.6214% | 5,505 |
| Net loans and leases to total assets | 85.3080% | 684 |
| Net loans and leases to deposits | 96.5414% | 2,362 |
| Net loans and leases to core deposits | 117.7412% | 2,916 |
| Total domestic deposits to total assets | 88.3642% | 1,307 |
| Equity capital to assets | 7.3389% | 7,522 |
| Core capital (leverage) ratio | 7.3842% | 7,322 |
| Tier 1 risk-based capital ratio | 9.1629% | 7,654 |
| Total risk-based capital ratio | 10.4169% | 7,614 |
| Memoranda: | ||
| Average total assets | $290,535,400 | 2,250 |
| Average earning assets | $265,300,600 | 2,252 |
| Average equity | $21,661,600 | 3,017 |
| Average total loans | $254,753,200 | 1,876 |