Home > First National Bank > Performance and Condition Ratios
First National 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 | 10.2654% | 42 |
| Cost of funding earning assets | 1.8499% | 1,657 |
| Net interest margin | 8.4156% | 41 |
| Noninterest income to average assets | 0.8448% | 1,830 |
| Noninterest expense to average assets | 4.5349% | 561 |
| Loan and lease loss provision to assets | 83.3698% | 1 |
| Net operating income to assets | -79.4802% | 7,933 |
| Return on assets (ROA) | -79.4802% | 7,933 |
| Pretax return on assets | -79.4802% | 7,933 |
| Return on Equity (ROE) | -1,512.4756% | 7,931 |
| Retained earnings to average equity (ytd only) | -1,512.4756% | 7,931 |
| Net charge-offs to loans | 78.6320% | 1 |
| Credit loss provision to net charge-offs | 134.3703% | 2,623 |
| Earnings coverage of net charge-offs (x) | 0.0627% | 4,981 |
| Efficiency ratio | 53.8301% | 6,991 |
| Assets per employee ($millions) | 6.0449% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.5029% | 25 |
| Loan loss allowance to noncurrent loans | 26.7037% | 6,616 |
| Noncurrent assets plus other real estate owned to assets | 26.1774% | 20 |
| Noncurrent loans to loans | 35.5865% | 13 |
| Net loans and leases to total assets | 65.8671% | 3,890 |
| Net loans and leases to deposits | 62.7192% | 6,206 |
| Net loans and leases to core deposits | 82.4228% | 4,430 |
| Total domestic deposits to total assets | 105.0191% | 3 |
| Equity capital to assets | -5.2573% | 7,930 |
| Core capital (leverage) ratio | -4.2385% | 7,931 |
| Tier 1 risk-based capital ratio | -7.1433% | 7,932 |
| Total risk-based capital ratio | -7.1433% | 7,932 |
| Memoranda: | ||
| Average total assets | $68,183,000 | 6,102 |
| Average earning assets | $61,410,000 | 6,113 |
| Average equity | $3,583,000 | 7,317 |
| Average total loans | $53,800,000 | 5,501 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.7211% | 28 |
| Cost of funding earning assets | 2.3005% | 1,652 |
| Net interest margin | 9.4206% | 30 |
| Noninterest income to average assets | 0.5278% | 4,196 |
| Noninterest expense to average assets | 4.4479% | 838 |
| Loan and lease loss provision to assets | 1.5523% | 1,481 |
| Net operating income to assets | 1.9173% | 280 |
| Return on assets (ROA) | 1.9173% | 288 |
| Pretax return on assets | 3.1290% | 87 |
| Return on Equity (ROE) | 14.3077% | 735 |
| Retained earnings to average equity (ytd only) | 12.0092% | 208 |
| Net charge-offs to loans | 1.8750% | 1,330 |
| Credit loss provision to net charge-offs | 97.6109% | 5,701 |
| Earnings coverage of net charge-offs (x) | 2.9437% | 3,611 |
| Efficiency ratio | 48.7218% | 7,597 |
| Assets per employee ($millions) | 5.4226% | 1,719 |
| Cash dividends to net income (ytd only)* | 16.0651% | 3,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 6,958 |
| Loan loss allowance to noncurrent loans | 241.5929% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 1.4753% | 4,179 |
| Noncurrent loans to loans | 0.3553% | 6,561 |
| Net loans and leases to total assets | 83.0604% | 535 |
| Net loans and leases to deposits | 96.4735% | 1,271 |
| Net loans and leases to core deposits | 183.6576% | 143 |
| Total domestic deposits to total assets | 86.0967% | 2,968 |
| Equity capital to assets | 13.6254% | 1,269 |
| Core capital (leverage) ratio | 12.6856% | 1,359 |
| Tier 1 risk-based capital ratio | 15.7380% | 2,627 |
| Total risk-based capital ratio | 16.5679% | 2,752 |
| Memoranda: | ||
| Average total assets | $73,697,200 | 5,898 |
| Average earning assets | $67,288,800 | 5,893 |
| Average equity | $9,875,800 | 5,327 |
| Average total loans | $62,506,000 | 5,149 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.3761% | 29 |
| Cost of funding earning assets | 2.3570% | 1,780 |
| Net interest margin | 9.0192% | 32 |
| Noninterest income to average assets | 0.5924% | 3,765 |
| Noninterest expense to average assets | 3.4161% | 2,528 |
| Loan and lease loss provision to assets | 1.9286% | 953 |
| Net operating income to assets | 2.3351% | 145 |
| Return on assets (ROA) | 2.3351% | 158 |
| Pretax return on assets | 3.5346% | 67 |
| Return on Equity (ROE) | 17.5018% | 498 |
| Retained earnings to average equity (ytd only) | 17.5018% | 94 |
| Net charge-offs to loans | 2.3139% | 813 |
| Credit loss provision to net charge-offs | 97.9630% | 5,219 |
| Earnings coverage of net charge-offs (x) | 2.7750% | 3,839 |
| Efficiency ratio | 38.4726% | 7,948 |
| Assets per employee ($millions) | 6.1452% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7330% | 7,301 |
| Loan loss allowance to noncurrent loans | 511.1111% | 621 |
| Noncurrent assets plus other real estate owned to assets | 1.3227% | 4,438 |
| Noncurrent loans to loans | 0.1434% | 7,119 |
| Net loans and leases to total assets | 86.8864% | 282 |
| Net loans and leases to deposits | 99.5075% | 1,155 |
| Net loans and leases to core deposits | 173.2352% | 243 |
| Total domestic deposits to total assets | 87.3165% | 2,003 |
| Equity capital to assets | 12.1419% | 2,161 |
| Core capital (leverage) ratio | 12.4885% | 1,588 |
| Tier 1 risk-based capital ratio | 13.4974% | 3,848 |
| Total risk-based capital ratio | 14.2104% | 4,149 |
| Memoranda: | ||
| Average total assets | $73,142,250 | 5,946 |
| Average earning assets | $67,203,250 | 5,929 |
| Average equity | $9,758,750 | 5,413 |
| Average total loans | $62,231,750 | 5,201 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6226% | 29 |
| Cost of funding earning assets | 2.5499% | 1,451 |
| Net interest margin | 9.0727% | 29 |
| Noninterest income to average assets | 0.5084% | 4,374 |
| Noninterest expense to average assets | 3.6429% | 1,965 |
| Loan and lease loss provision to assets | 2.9690% | 514 |
| Net operating income to assets | 1.4351% | 950 |
| Return on assets (ROA) | 1.4351% | 1,016 |
| Pretax return on assets | 2.1759% | 378 |
| Return on Equity (ROE) | 10.3676% | 1,896 |
| Retained earnings to average equity (ytd only) | 10.3676% | 658 |
| Net charge-offs to loans | 3.6354% | 419 |
| Credit loss provision to net charge-offs | 97.1483% | 4,701 |
| Earnings coverage of net charge-offs (x) | 1.6835% | 4,286 |
| Efficiency ratio | 41.4545% | 7,991 |
| Assets per employee ($millions) | 5.4170% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7945% | 7,176 |
| Loan loss allowance to noncurrent loans | 367.5676% | 862 |
| Noncurrent assets plus other real estate owned to assets | 1.5269% | 3,934 |
| Noncurrent loans to loans | 0.2162% | 6,972 |
| Net loans and leases to total assets | 89.5672% | 154 |
| Net loans and leases to deposits | 103.7656% | 930 |
| Net loans and leases to core deposits | 167.9383% | 348 |
| Total domestic deposits to total assets | 86.3169% | 2,612 |
| Equity capital to assets | 12.7192% | 1,825 |
| Core capital (leverage) ratio | 13.2315% | 1,354 |
| Tier 1 risk-based capital ratio | 13.9817% | 3,531 |
| Total risk-based capital ratio | 14.7688% | 3,739 |
| Memoranda: | ||
| Average total assets | $68,845,330 | 6,117 |
| Average earning assets | $62,825,670 | 6,117 |
| Average equity | $9,529,670 | 5,505 |
| Average total loans | $57,874,670 | 5,427 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.5682% | 26 |
| Cost of funding earning assets | 2.9697% | 649 |
| Net interest margin | 9.5985% | 28 |
| Noninterest income to average assets | 0.9426% | 1,678 |
| Noninterest expense to average assets | 4.1133% | 1,047 |
| Loan and lease loss provision to assets | 0.2204% | 4,248 |
| Net operating income to assets | 3.4400% | 46 |
| Return on assets (ROA) | 3.4400% | 54 |
| Pretax return on assets | 5.2151% | 40 |
| Return on Equity (ROE) | 23.7344% | 228 |
| Retained earnings to average equity (ytd only) | 23.7344% | 99 |
| Net charge-offs to loans | 0.3804% | 2,569 |
| Credit loss provision to net charge-offs | 72.0000% | 4,317 |
| Earnings coverage of net charge-offs (x) | 17.7600% | 1,495 |
| Efficiency ratio | 43.0769% | 7,964 |
| Assets per employee ($millions) | 5.1168% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 5,801 |
| Loan loss allowance to noncurrent loans | 1,076.9231% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.3292% | 6,529 |
| Noncurrent loans to loans | 0.0977% | 7,248 |
| Net loans and leases to total assets | 79.1699% | 1,544 |
| Net loans and leases to deposits | 93.5449% | 2,354 |
| Net loans and leases to core deposits | 160.1916% | 487 |
| Total domestic deposits to total assets | 84.6330% | 3,400 |
| Equity capital to assets | 14.6469% | 1,198 |
| Core capital (leverage) ratio | 14.0412% | 1,185 |
| Tier 1 risk-based capital ratio | 17.0965% | 2,304 |
| Total risk-based capital ratio | 18.0804% | 2,324 |
| Memoranda: | ||
| Average total assets | $65,349,000 | 6,277 |
| Average earning assets | $58,592,500 | 6,318 |
| Average equity | $9,471,500 | 5,547 |
| Average total loans | $52,577,000 | 5,687 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9783% | 32 |
| Cost of funding earning assets | 3.4341% | 641 |
| Net interest margin | 8.5442% | 34 |
| Noninterest income to average assets | 0.2766% | 6,481 |
| Noninterest expense to average assets | 4.8135% | 704 |
| Loan and lease loss provision to assets | 1.0391% | 1,413 |
| Net operating income to assets | 1.3972% | 1,239 |
| Return on assets (ROA) | 1.3972% | 1,188 |
| Pretax return on assets | 2.2716% | 335 |
| Return on Equity (ROE) | 9.7055% | 2,358 |
| Retained earnings to average equity (ytd only) | 7.1847% | 1,094 |
| Net charge-offs to loans | 1.2172% | 992 |
| Credit loss provision to net charge-offs | 102.5237% | 5,196 |
| Earnings coverage of net charge-offs (x) | 3.2666% | 4,457 |
| Efficiency ratio | 59.2483% | 6,488 |
| Assets per employee ($millions) | 4.5842% | 2,495 |
| Cash dividends to net income (ytd only)* | 25.9725% | 4,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 5,233 |
| Loan loss allowance to noncurrent loans | 398.6111% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 5,758 |
| Noncurrent loans to loans | 0.2773% | 6,538 |
| Net loans and leases to total assets | 80.0215% | 1,656 |
| Net loans and leases to deposits | 93.9641% | 2,767 |
| Net loans and leases to core deposits | 157.6916% | 628 |
| Total domestic deposits to total assets | 85.1618% | 2,771 |
| Equity capital to assets | 14.3349% | 1,341 |
| Core capital (leverage) ratio | 12.8476% | 1,597 |
| Tier 1 risk-based capital ratio | 16.9539% | 2,327 |
| Total risk-based capital ratio | 18.0151% | 2,330 |
| Memoranda: | ||
| Average total assets | $62,553,800 | 6,296 |
| Average earning assets | $57,454,000 | 6,285 |
| Average equity | $9,005,200 | 5,737 |
| Average total loans | $52,086,800 | 5,617 |