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 | 3.8431% | 7,559 |
| Cost of funding earning assets | 2.6246% | 155 |
| Net interest margin | 1.2185% | 7,864 |
| Noninterest income to average assets | 0.1675% | 6,767 |
| Noninterest expense to average assets | 3.1240% | 3,162 |
| Loan and lease loss provision to assets | 0.4034% | 2,946 |
| Net operating income to assets | -2.2532% | 7,512 |
| Return on assets (ROA) | -2.1664% | 7,502 |
| Pretax return on assets | -2.1664% | 7,450 |
| Return on Equity (ROE) | -103.6228% | 7,835 |
| Retained earnings to average equity (ytd only) | -103.6228% | 7,831 |
| Net charge-offs to loans | 2.0429% | 838 |
| Credit loss provision to net charge-offs | 27.9831% | 4,850 |
| Earnings coverage of net charge-offs (x) | -1.2830% | 5,413 |
| Efficiency ratio | 245.1613% | 64 |
| Assets per employee ($millions) | 7.8913% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8907% | 188 |
| Loan loss allowance to noncurrent loans | 17.1271% | 7,143 |
| Noncurrent assets plus other real estate owned to assets | 24.4753% | 31 |
| Noncurrent loans to loans | 28.5557% | 26 |
| Net loans and leases to total assets | 67.2767% | 3,555 |
| Net loans and leases to deposits | 73.2723% | 4,862 |
| Net loans and leases to core deposits | 85.1483% | 4,022 |
| Total domestic deposits to total assets | 91.8173% | 284 |
| Equity capital to assets | 1.9313% | 7,889 |
| Core capital (leverage) ratio | 1.7681% | 7,891 |
| Tier 1 risk-based capital ratio | 2.5794% | 7,888 |
| Total risk-based capital ratio | 3.8739% | 7,886 |
| Memoranda: | ||
| Average total assets | $262,736,500 | 2,542 |
| Average earning assets | $238,663,000 | 2,547 |
| Average equity | $5,493,000 | 6,679 |
| Average total loans | $185,425,000 | 2,423 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7053% | 7,132 |
| Cost of funding earning assets | 3.0884% | 179 |
| Net interest margin | 1.6169% | 7,849 |
| Noninterest income to average assets | 0.1527% | 6,968 |
| Noninterest expense to average assets | 3.1419% | 3,575 |
| Loan and lease loss provision to assets | 5.1990% | 171 |
| Net operating income to assets | -6.4311% | 7,858 |
| Return on assets (ROA) | -6.4930% | 7,856 |
| Pretax return on assets | -6.7585% | 7,850 |
| Return on Equity (ROE) | -94.4466% | 7,917 |
| Retained earnings to average equity (ytd only) | -94.4466% | 7,914 |
| Net charge-offs to loans | 6.2285% | 160 |
| Credit loss provision to net charge-offs | 117.0304% | 4,636 |
| Earnings coverage of net charge-offs (x) | -0.3366% | 6,573 |
| Efficiency ratio | 190.7906% | 163 |
| Assets per employee ($millions) | 7.7987% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8989% | 186 |
| Loan loss allowance to noncurrent loans | 17.2552% | 7,176 |
| Noncurrent assets plus other real estate owned to assets | 21.6894% | 42 |
| Noncurrent loans to loans | 28.3909% | 23 |
| Net loans and leases to total assets | 66.9749% | 3,931 |
| Net loans and leases to deposits | 72.7976% | 5,223 |
| Net loans and leases to core deposits | 140.4966% | 793 |
| Total domestic deposits to total assets | 92.0016% | 268 |
| Equity capital to assets | 2.2381% | 7,952 |
| Core capital (leverage) ratio | 2.0270% | 7,952 |
| Tier 1 risk-based capital ratio | 3.3327% | 7,937 |
| Total risk-based capital ratio | 4.6312% | 7,937 |
| Memoranda: | ||
| Average total assets | $288,805,000 | 2,285 |
| Average earning assets | $266,870,200 | 2,268 |
| Average equity | $19,854,600 | 3,221 |
| Average total loans | $205,990,200 | 2,241 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9771% | 6,675 |
| Cost of funding earning assets | 3.0951% | 246 |
| Net interest margin | 1.8820% | 7,862 |
| Noninterest income to average assets | 0.1726% | 6,980 |
| Noninterest expense to average assets | 2.4947% | 6,083 |
| Loan and lease loss provision to assets | 3.0567% | 473 |
| Net operating income to assets | -3.0797% | 7,607 |
| Return on assets (ROA) | -3.0166% | 7,597 |
| Pretax return on assets | -3.5645% | 7,622 |
| Return on Equity (ROE) | -37.9193% | 7,733 |
| Retained earnings to average equity (ytd only) | -37.9193% | 7,725 |
| Net charge-offs to loans | 5.0268% | 226 |
| Credit loss provision to net charge-offs | 85.0051% | 5,622 |
| Earnings coverage of net charge-offs (x) | -0.1619% | 6,250 |
| Efficiency ratio | 130.4286% | 471 |
| Assets per employee ($millions) | 8.3795% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0104% | 665 |
| Loan loss allowance to noncurrent loans | 18.3537% | 7,179 |
| Noncurrent assets plus other real estate owned to assets | 12.2149% | 214 |
| Noncurrent loans to loans | 16.4023% | 120 |
| Net loans and leases to total assets | 61.2037% | 5,382 |
| Net loans and leases to deposits | 68.7496% | 6,058 |
| Net loans and leases to core deposits | 133.9552% | 1,212 |
| Total domestic deposits to total assets | 89.0240% | 1,179 |
| Equity capital to assets | 5.8130% | 7,888 |
| Core capital (leverage) ratio | 5.7996% | 7,834 |
| Tier 1 risk-based capital ratio | 9.0222% | 7,614 |
| Total risk-based capital ratio | 10.2941% | 7,614 |
| Memoranda: | ||
| Average total assets | $292,768,000 | 2,285 |
| Average earning assets | $270,700,250 | 2,253 |
| Average equity | $23,291,000 | 2,828 |
| Average total loans | $209,431,000 | 2,222 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3643% | 5,328 |
| Cost of funding earning assets | 3.1715% | 287 |
| Net interest margin | 2.1928% | 7,753 |
| Noninterest income to average assets | 0.2329% | 6,614 |
| Noninterest expense to average assets | 2.4925% | 6,147 |
| Loan and lease loss provision to assets | 0.5327% | 2,898 |
| Net operating income to assets | -0.4837% | 6,532 |
| Return on assets (ROA) | -0.2751% | 6,312 |
| Pretax return on assets | -0.4356% | 6,360 |
| Return on Equity (ROE) | -3.1425% | 6,377 |
| Retained earnings to average equity (ytd only) | -4.1069% | 6,157 |
| Net charge-offs to loans | 1.3314% | 1,390 |
| Credit loss provision to net charge-offs | 53.5740% | 5,710 |
| Earnings coverage of net charge-offs (x) | -0.2300% | 5,909 |
| Efficiency ratio | 110.1026% | 846 |
| Assets per employee ($millions) | 8.4564% | 414 |
| Cash dividends to net income (ytd only)* | -30.6905% | 7,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1350% | 503 |
| Loan loss allowance to noncurrent loans | 28.1550% | 6,621 |
| Noncurrent assets plus other real estate owned to assets | 9.2708% | 355 |
| Noncurrent loans to loans | 11.1348% | 269 |
| Net loans and leases to total assets | 66.7528% | 4,406 |
| Net loans and leases to deposits | 77.2091% | 4,993 |
| Net loans and leases to core deposits | 137.6851% | 1,120 |
| Total domestic deposits to total assets | 86.4573% | 2,530 |
| Equity capital to assets | 7.9884% | 6,765 |
| Core capital (leverage) ratio | 8.3002% | 5,797 |
| Tier 1 risk-based capital ratio | 11.3687% | 5,535 |
| Total risk-based capital ratio | 12.6414% | 5,412 |
| Memoranda: | ||
| Average total assets | $284,216,670 | 2,351 |
| Average earning assets | $263,220,670 | 2,319 |
| Average equity | $24,884,670 | 2,649 |
| Average total loans | $212,263,000 | 2,228 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8331% | 3,125 |
| Cost of funding earning assets | 3.2796% | 282 |
| Net interest margin | 2.5536% | 7,437 |
| Noninterest income to average assets | 0.2466% | 6,486 |
| Noninterest expense to average assets | 2.5435% | 5,673 |
| Loan and lease loss provision to assets | 0.3210% | 3,405 |
| Net operating income to assets | -0.1802% | 6,525 |
| Return on assets (ROA) | 0.1868% | 5,867 |
| Pretax return on assets | 0.3167% | 5,639 |
| Return on Equity (ROE) | 2.0344% | 5,760 |
| Retained earnings to average equity (ytd only) | 0.1271% | 5,609 |
| Net charge-offs to loans | 0.3335% | 2,761 |
| Credit loss provision to net charge-offs | 123.5955% | 3,210 |
| Earnings coverage of net charge-offs (x) | 0.2472% | 4,780 |
| Efficiency ratio | 97.5378% | 1,238 |
| Assets per employee ($millions) | 7.7709% | 553 |
| Cash dividends to net income (ytd only)* | 93.7500% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3688% | 351 |
| Loan loss allowance to noncurrent loans | 31.3173% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 9.2729% | 263 |
| Noncurrent loans to loans | 10.7569% | 240 |
| Net loans and leases to total assets | 74.5949% | 2,600 |
| Net loans and leases to deposits | 87.6295% | 3,350 |
| Net loans and leases to core deposits | 152.3445% | 638 |
| Total domestic deposits to total assets | 85.1253% | 3,144 |
| Equity capital to assets | 8.9211% | 5,448 |
| Core capital (leverage) ratio | 8.9081% | 4,852 |
| Tier 1 risk-based capital ratio | 11.0575% | 5,851 |
| Total risk-based capital ratio | 12.3320% | 5,730 |
| Memoranda: | ||
| Average total assets | $274,110,500 | 2,427 |
| Average earning assets | $253,449,000 | 2,421 |
| Average equity | $25,167,500 | 2,635 |
| Average total loans | $213,498,500 | 2,237 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6334% | 2,321 |
| Cost of funding earning assets | 3.7725% | 217 |
| Net interest margin | 2.8609% | 7,233 |
| Noninterest income to average assets | 0.2035% | 6,989 |
| Noninterest expense to average assets | 2.3256% | 6,627 |
| Loan and lease loss provision to assets | 1.8323% | 687 |
| Net operating income to assets | -0.8257% | 7,150 |
| Return on assets (ROA) | -0.8019% | 7,038 |
| Pretax return on assets | -1.2458% | 7,139 |
| Return on Equity (ROE) | -8.1332% | 7,133 |
| Retained earnings to average equity (ytd only) | -10.5637% | 7,118 |
| Net charge-offs to loans | 0.1671% | 4,530 |
| Credit loss provision to net charge-offs | 1,424.0688% | 317 |
| Earnings coverage of net charge-offs (x) | 4.2693% | 4,048 |
| Efficiency ratio | 80.8925% | 2,469 |
| Assets per employee ($millions) | 7.2559% | 632 |
| Cash dividends to net income (ytd only)* | -29.8851% | 7,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4273% | 296 |
| Loan loss allowance to noncurrent loans | 29.9070% | 6,709 |
| Noncurrent assets plus other real estate owned to assets | 9.8622% | 169 |
| Noncurrent loans to loans | 11.4598% | 150 |
| Net loans and leases to total assets | 75.9150% | 2,648 |
| Net loans and leases to deposits | 89.8839% | 3,475 |
| Net loans and leases to core deposits | 153.5203% | 735 |
| Total domestic deposits to total assets | 84.4590% | 3,099 |
| Equity capital to assets | 9.4528% | 4,752 |
| Core capital (leverage) ratio | 9.2908% | 4,309 |
| Tier 1 risk-based capital ratio | 11.5633% | 5,183 |
| Total risk-based capital ratio | 12.8313% | 5,056 |
| Memoranda: | ||
| Average total assets | $271,238,000 | 2,372 |
| Average earning assets | $253,278,400 | 2,340 |
| Average equity | $26,742,400 | 2,497 |
| Average total loans | $208,815,600 | 2,216 |