Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 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 | 4.5901% | 6,485 |
| Cost of funding earning assets | 0.9196% | 6,503 |
| Net interest margin | 3.6704% | 4,501 |
| Noninterest income to average assets | 1.5114% | 565 |
| Noninterest expense to average assets | 4.0859% | 940 |
| Loan and lease loss provision to assets | 2.2346% | 533 |
| Net operating income to assets | -0.9606% | 6,928 |
| Return on assets (ROA) | -0.6555% | 6,804 |
| Pretax return on assets | -1.0705% | 6,921 |
| Return on Equity (ROE) | -5.8773% | 6,766 |
| Retained earnings to average equity (ytd only) | -5.8773% | 6,646 |
| Net charge-offs to loans | 5.8383% | 142 |
| Credit loss provision to net charge-offs | 55.8118% | 5,302 |
| Earnings coverage of net charge-offs (x) | 0.1717% | 5,548 |
| Efficiency ratio | 84.9246% | 1,823 |
| Assets per employee ($millions) | 3.6642% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3413% | 620 |
| Loan loss allowance to noncurrent loans | 43.5870% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 6.3443% | 904 |
| Noncurrent loans to loans | 7.6657% | 695 |
| Net loans and leases to total assets | 61.0022% | 4,873 |
| Net loans and leases to deposits | 71.7999% | 5,024 |
| Net loans and leases to core deposits | 77.6071% | 5,011 |
| Total domestic deposits to total assets | 84.9613% | 3,651 |
| Equity capital to assets | 11.2193% | 2,672 |
| Core capital (leverage) ratio | 8.6872% | 5,096 |
| Tier 1 risk-based capital ratio | 12.8341% | 4,577 |
| Total risk-based capital ratio | 16.1048% | 3,206 |
| Memoranda: | ||
| Average total assets | $1,906,415,000 | 364 |
| Average earning assets | $1,694,127,330 | 367 |
| Average equity | $212,615,330 | 326 |
| Average total loans | $1,307,363,000 | 352 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6194% | 6,505 |
| Cost of funding earning assets | 0.9501% | 6,580 |
| Net interest margin | 3.6693% | 4,398 |
| Noninterest income to average assets | 1.9513% | 351 |
| Noninterest expense to average assets | 4.1644% | 843 |
| Loan and lease loss provision to assets | 1.6813% | 677 |
| Net operating income to assets | -0.3955% | 6,756 |
| Return on assets (ROA) | -0.1397% | 6,548 |
| Pretax return on assets | -0.2402% | 6,593 |
| Return on Equity (ROE) | -1.2562% | 6,558 |
| Retained earnings to average equity (ytd only) | -1.2562% | 6,092 |
| Net charge-offs to loans | 8.0236% | 96 |
| Credit loss provision to net charge-offs | 29.4214% | 4,821 |
| Earnings coverage of net charge-offs (x) | 0.1822% | 4,874 |
| Efficiency ratio | 79.3820% | 2,659 |
| Assets per employee ($millions) | 2.9873% | 6,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8358% | 947 |
| Loan loss allowance to noncurrent loans | 37.4122% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 6.6180% | 850 |
| Noncurrent loans to loans | 7.5800% | 743 |
| Net loans and leases to total assets | 65.8812% | 3,884 |
| Net loans and leases to deposits | 77.0573% | 4,213 |
| Net loans and leases to core deposits | 83.0147% | 4,339 |
| Total domestic deposits to total assets | 85.4965% | 3,418 |
| Equity capital to assets | 11.1932% | 2,597 |
| Core capital (leverage) ratio | 8.7861% | 4,877 |
| Tier 1 risk-based capital ratio | 11.8170% | 5,377 |
| Total risk-based capital ratio | 14.9044% | 3,851 |
| Memoranda: | ||
| Average total assets | $1,927,079,000 | 373 |
| Average earning assets | $1,709,218,000 | 378 |
| Average equity | $214,298,500 | 326 |
| Average total loans | $1,372,508,000 | 359 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7482% | 2,868 |
| Cost of funding earning assets | 1.4049% | 5,915 |
| Net interest margin | 4.3433% | 1,595 |
| Noninterest income to average assets | 2.6076% | 261 |
| Noninterest expense to average assets | 4.0624% | 1,285 |
| Loan and lease loss provision to assets | 5.0512% | 184 |
| Net operating income to assets | -1.6138% | 6,911 |
| Return on assets (ROA) | -1.5914% | 6,901 |
| Pretax return on assets | -2.5633% | 7,162 |
| Return on Equity (ROE) | -16.6768% | 7,016 |
| Retained earnings to average equity (ytd only) | -16.6768% | 6,970 |
| Net charge-offs to loans | 4.6522% | 303 |
| Credit loss provision to net charge-offs | 136.6509% | 3,609 |
| Earnings coverage of net charge-offs (x) | 0.6636% | 5,428 |
| Efficiency ratio | 61.9515% | 6,163 |
| Assets per employee ($millions) | 2.7987% | 6,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8789% | 385 |
| Loan loss allowance to noncurrent loans | 44.9933% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 7.9806% | 566 |
| Noncurrent loans to loans | 8.6211% | 551 |
| Net loans and leases to total assets | 71.6937% | 2,835 |
| Net loans and leases to deposits | 83.7043% | 3,331 |
| Net loans and leases to core deposits | 102.5210% | 3,741 |
| Total domestic deposits to total assets | 85.6511% | 3,198 |
| Equity capital to assets | 11.0487% | 2,675 |
| Core capital (leverage) ratio | 8.8687% | 4,643 |
| Tier 1 risk-based capital ratio | 11.6134% | 5,283 |
| Total risk-based capital ratio | 14.5644% | 3,881 |
| Memoranda: | ||
| Average total assets | $2,360,181,000 | 305 |
| Average earning assets | $2,123,492,000 | 311 |
| Average equity | $225,229,000 | 316 |
| Average total loans | $1,875,285,200 | 282 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9715% | 2,145 |
| Cost of funding earning assets | 1.4977% | 5,830 |
| Net interest margin | 4.4737% | 1,262 |
| Noninterest income to average assets | 2.9319% | 229 |
| Noninterest expense to average assets | 3.9225% | 1,397 |
| Loan and lease loss provision to assets | 5.4762% | 139 |
| Net operating income to assets | -1.5011% | 7,115 |
| Return on assets (ROA) | -1.4725% | 7,091 |
| Pretax return on assets | -2.3827% | 7,308 |
| Return on Equity (ROE) | -15.9250% | 7,233 |
| Retained earnings to average equity (ytd only) | -15.9250% | 7,184 |
| Net charge-offs to loans | 2.7753% | 637 |
| Credit loss provision to net charge-offs | 245.3739% | 1,769 |
| Earnings coverage of net charge-offs (x) | 1.3661% | 4,758 |
| Efficiency ratio | 55.9080% | 7,014 |
| Assets per employee ($millions) | 3.1923% | 5,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0444% | 134 |
| Loan loss allowance to noncurrent loans | 45.0702% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 9.2561% | 408 |
| Noncurrent loans to loans | 11.1923% | 317 |
| Net loans and leases to total assets | 70.1213% | 3,485 |
| Net loans and leases to deposits | 79.9271% | 4,400 |
| Net loans and leases to core deposits | 96.4946% | 4,754 |
| Total domestic deposits to total assets | 87.7316% | 1,785 |
| Equity capital to assets | 9.3314% | 4,982 |
| Core capital (leverage) ratio | 7.6278% | 6,828 |
| Tier 1 risk-based capital ratio | 10.1815% | 6,799 |
| Total risk-based capital ratio | 12.9617% | 5,177 |
| Memoranda: | ||
| Average total assets | $2,464,660,000 | 312 |
| Average earning assets | $2,225,375,250 | 311 |
| Average equity | $227,887,500 | 320 |
| Average total loans | $1,981,937,750 | 275 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0144% | 2,130 |
| Cost of funding earning assets | 1.6043% | 5,730 |
| Net interest margin | 4.4100% | 1,390 |
| Noninterest income to average assets | 2.0234% | 367 |
| Noninterest expense to average assets | 3.8595% | 1,558 |
| Loan and lease loss provision to assets | 3.6512% | 375 |
| Net operating income to assets | -0.9319% | 6,917 |
| Return on assets (ROA) | -0.8901% | 6,905 |
| Pretax return on assets | -1.4427% | 7,062 |
| Return on Equity (ROE) | -9.6536% | 7,008 |
| Retained earnings to average equity (ytd only) | -9.6536% | 6,841 |
| Net charge-offs to loans | 2.5528% | 675 |
| Credit loss provision to net charge-offs | 173.6453% | 2,649 |
| Earnings coverage of net charge-offs (x) | 1.0193% | 4,768 |
| Efficiency ratio | 63.8894% | 5,937 |
| Assets per employee ($millions) | 3.3771% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9677% | 582 |
| Loan loss allowance to noncurrent loans | 55.7077% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 5.2678% | 966 |
| Noncurrent loans to loans | 5.3273% | 1,114 |
| Net loans and leases to total assets | 80.1149% | 1,299 |
| Net loans and leases to deposits | 96.5411% | 1,719 |
| Net loans and leases to core deposits | 118.1953% | 2,533 |
| Total domestic deposits to total assets | 82.9853% | 4,243 |
| Equity capital to assets | 9.3331% | 4,822 |
| Core capital (leverage) ratio | 7.1736% | 7,383 |
| Tier 1 risk-based capital ratio | 8.8248% | 7,781 |
| Total risk-based capital ratio | 11.3240% | 6,779 |
| Memoranda: | ||
| Average total assets | $2,532,836,000 | 310 |
| Average earning assets | $2,285,558,670 | 314 |
| Average equity | $233,549,000 | 315 |
| Average total loans | $2,086,241,670 | 272 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9181% | 2,713 |
| Cost of funding earning assets | 1.6585% | 5,782 |
| Net interest margin | 4.2596% | 1,704 |
| Noninterest income to average assets | 1.7692% | 436 |
| Noninterest expense to average assets | 3.6891% | 1,677 |
| Loan and lease loss provision to assets | 2.1683% | 544 |
| Net operating income to assets | -0.1594% | 6,495 |
| Return on assets (ROA) | -0.0776% | 6,493 |
| Pretax return on assets | -0.1317% | 6,504 |
| Return on Equity (ROE) | -0.8467% | 6,516 |
| Retained earnings to average equity (ytd only) | -0.8467% | 5,847 |
| Net charge-offs to loans | 1.8053% | 803 |
| Credit loss provision to net charge-offs | 145.9817% | 2,837 |
| Earnings coverage of net charge-offs (x) | 1.2851% | 4,097 |
| Efficiency ratio | 65.4725% | 5,424 |
| Assets per employee ($millions) | 3.5627% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1049% | 1,225 |
| Loan loss allowance to noncurrent loans | 55.3094% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 3.9058% | 1,336 |
| Noncurrent loans to loans | 3.8056% | 1,618 |
| Net loans and leases to total assets | 79.5151% | 1,473 |
| Net loans and leases to deposits | 99.2272% | 1,507 |
| Net loans and leases to core deposits | 121.5227% | 2,290 |
| Total domestic deposits to total assets | 80.1343% | 5,317 |
| Equity capital to assets | 9.1515% | 5,150 |
| Core capital (leverage) ratio | 7.7589% | 6,808 |
| Tier 1 risk-based capital ratio | 8.9842% | 7,799 |
| Total risk-based capital ratio | 11.3785% | 6,694 |
| Memoranda: | ||
| Average total assets | $2,586,860,500 | 303 |
| Average earning assets | $2,325,205,500 | 307 |
| Average equity | $237,170,000 | 314 |
| Average total loans | $2,128,347,000 | 267 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8065% | 1,654 |
| Cost of funding earning assets | 2.1380% | 5,887 |
| Net interest margin | 4.6684% | 1,029 |
| Noninterest income to average assets | 1.7098% | 466 |
| Noninterest expense to average assets | 4.0907% | 1,295 |
| Loan and lease loss provision to assets | 1.8266% | 689 |
| Net operating income to assets | 0.0246% | 6,298 |
| Return on assets (ROA) | 0.0246% | 6,153 |
| Pretax return on assets | 0.0372% | 6,084 |
| Return on Equity (ROE) | 0.2613% | 6,150 |
| Retained earnings to average equity (ytd only) | -2.3776% | 5,973 |
| Net charge-offs to loans | 1.3205% | 899 |
| Credit loss provision to net charge-offs | 167.1978% | 3,072 |
| Earnings coverage of net charge-offs (x) | 1.7060% | 5,225 |
| Efficiency ratio | 67.6554% | 4,782 |
| Assets per employee ($millions) | 3.3688% | 5,042 |
| Cash dividends to net income (ytd only)* | 1,010.1010% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8464% | 1,537 |
| Loan loss allowance to noncurrent loans | 61.5799% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 2.7591% | 1,711 |
| Noncurrent loans to loans | 2.9983% | 1,789 |
| Net loans and leases to total assets | 81.7870% | 1,267 |
| Net loans and leases to deposits | 102.5234% | 1,530 |
| Net loans and leases to core deposits | 121.7692% | 2,530 |
| Total domestic deposits to total assets | 79.7740% | 5,108 |
| Equity capital to assets | 9.1850% | 5,104 |
| Core capital (leverage) ratio | 7.9240% | 6,613 |
| Tier 1 risk-based capital ratio | 8.6203% | 7,965 |
| Total risk-based capital ratio | 10.9634% | 6,966 |
| Memoranda: | ||
| Average total assets | $2,413,002,600 | 308 |
| Average earning assets | $2,193,976,600 | 305 |
| Average equity | $227,368,200 | 334 |
| Average total loans | $1,996,218,200 | 273 |