Home > First National Bank and Trust of Syracuse > Performance and Condition Ratios
First National Bank and Trust of Syracuse, 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 | 4.5914% | 6,480 |
| Cost of funding earning assets | 1.1685% | 5,295 |
| Net interest margin | 3.4230% | 5,546 |
| Noninterest income to average assets | 0.2325% | 6,246 |
| Noninterest expense to average assets | 3.5248% | 1,967 |
| Loan and lease loss provision to assets | 1.5248% | 866 |
| Net operating income to assets | -1.6923% | 7,212 |
| Return on assets (ROA) | -1.1726% | 7,037 |
| Pretax return on assets | -1.1726% | 6,964 |
| Return on Equity (ROE) | -12.5068% | 7,056 |
| Retained earnings to average equity (ytd only) | -12.5068% | 7,016 |
| Net charge-offs to loans | -0.2860% | 7,683 |
| Credit loss provision to net charge-offs | -841.5094% | 6,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9898% | 653 |
| Assets per employee ($millions) | 3.6464% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8025% | 434 |
| Loan loss allowance to noncurrent loans | 72.1565% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 3.4675% | 2,029 |
| Noncurrent loans to loans | 5.2699% | 1,285 |
| Net loans and leases to total assets | 60.7933% | 4,910 |
| Net loans and leases to deposits | 74.0382% | 4,671 |
| Net loans and leases to core deposits | 75.0074% | 5,320 |
| Total domestic deposits to total assets | 82.1107% | 4,935 |
| Equity capital to assets | 8.9284% | 5,562 |
| Core capital (leverage) ratio | 8.4941% | 5,417 |
| Tier 1 risk-based capital ratio | 11.5293% | 5,742 |
| Total risk-based capital ratio | 12.8067% | 5,686 |
| Memoranda: | ||
| Average total assets | $58,500,330 | 6,371 |
| Average earning assets | $53,403,670 | 6,351 |
| Average equity | $5,485,000 | 6,619 |
| Average total loans | $37,064,670 | 6,192 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8623% | 5,633 |
| Cost of funding earning assets | 1.2099% | 5,348 |
| Net interest margin | 3.6524% | 4,478 |
| Noninterest income to average assets | 0.0683% | 7,375 |
| Noninterest expense to average assets | 4.0014% | 1,030 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.6174% | 6,910 |
| Return on assets (ROA) | 0.6145% | 3,980 |
| Pretax return on assets | 0.6350% | 4,474 |
| Return on Equity (ROE) | 6.4023% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.4023% | 2,412 |
| Net charge-offs to loans | -0.3875% | 7,780 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.8641% | 455 |
| Assets per employee ($millions) | 3.6711% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5619% | 1,219 |
| Loan loss allowance to noncurrent loans | 108.8065% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 1.6071% | 4,080 |
| Noncurrent loans to loans | 2.3546% | 3,323 |
| Net loans and leases to total assets | 60.8005% | 4,978 |
| Net loans and leases to deposits | 74.7885% | 4,624 |
| Net loans and leases to core deposits | 75.3534% | 5,350 |
| Total domestic deposits to total assets | 81.2966% | 5,349 |
| Equity capital to assets | 9.4879% | 4,552 |
| Core capital (leverage) ratio | 9.1638% | 4,278 |
| Tier 1 risk-based capital ratio | 12.5380% | 4,708 |
| Total risk-based capital ratio | 13.8008% | 4,660 |
| Memoranda: | ||
| Average total assets | $58,579,500 | 6,445 |
| Average earning assets | $52,897,000 | 6,442 |
| Average equity | $5,623,000 | 6,640 |
| Average total loans | $37,162,000 | 6,255 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2010% | 5,645 |
| Cost of funding earning assets | 1.5828% | 5,112 |
| Net interest margin | 3.6183% | 4,482 |
| Noninterest income to average assets | 0.6010% | 3,626 |
| Noninterest expense to average assets | 3.1181% | 3,661 |
| Loan and lease loss provision to assets | 3.7482% | 388 |
| Net operating income to assets | -2.9298% | 7,376 |
| Return on assets (ROA) | -2.9075% | 7,386 |
| Pretax return on assets | -2.9041% | 7,267 |
| Return on Equity (ROE) | -33.9423% | 7,477 |
| Retained earnings to average equity (ytd only) | -33.9423% | 7,465 |
| Net charge-offs to loans | 5.3516% | 219 |
| Credit loss provision to net charge-offs | 108.5275% | 5,100 |
| Earnings coverage of net charge-offs (x) | 0.2380% | 5,889 |
| Efficiency ratio | 79.1395% | 3,022 |
| Assets per employee ($millions) | 3.6513% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3970% | 1,353 |
| Loan loss allowance to noncurrent loans | 112.3134% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 1.3814% | 4,347 |
| Noncurrent loans to loans | 2.1342% | 3,477 |
| Net loans and leases to total assets | 62.9380% | 4,830 |
| Net loans and leases to deposits | 77.5717% | 4,460 |
| Net loans and leases to core deposits | 82.2941% | 5,887 |
| Total domestic deposits to total assets | 81.1352% | 5,304 |
| Equity capital to assets | 9.7105% | 4,135 |
| Core capital (leverage) ratio | 9.1595% | 4,183 |
| Tier 1 risk-based capital ratio | 11.9059% | 5,024 |
| Total risk-based capital ratio | 13.1675% | 4,969 |
| Memoranda: | ||
| Average total assets | $58,400,800 | 6,415 |
| Average earning assets | $53,893,000 | 6,379 |
| Average equity | $5,002,600 | 6,938 |
| Average total loans | $37,689,600 | 6,209 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1799% | 5,960 |
| Cost of funding earning assets | 1.6511% | 5,159 |
| Net interest margin | 3.5287% | 4,749 |
| Noninterest income to average assets | 0.4818% | 4,652 |
| Noninterest expense to average assets | 3.0686% | 3,773 |
| Loan and lease loss provision to assets | 3.4454% | 388 |
| Net operating income to assets | -2.7604% | 7,528 |
| Return on assets (ROA) | -2.7307% | 7,527 |
| Pretax return on assets | -2.7285% | 7,428 |
| Return on Equity (ROE) | -32.9810% | 7,662 |
| Retained earnings to average equity (ytd only) | -32.9810% | 7,653 |
| Net charge-offs to loans | 4.7646% | 254 |
| Credit loss provision to net charge-offs | 112.0267% | 4,533 |
| Earnings coverage of net charge-offs (x) | 0.2235% | 5,796 |
| Efficiency ratio | 81.7021% | 2,623 |
| Assets per employee ($millions) | 3.4579% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3501% | 1,233 |
| Loan loss allowance to noncurrent loans | 107.5904% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 1.4800% | 4,158 |
| Noncurrent loans to loans | 2.1843% | 3,400 |
| Net loans and leases to total assets | 63.1226% | 5,048 |
| Net loans and leases to deposits | 78.5944% | 4,640 |
| Net loans and leases to core deposits | 84.3702% | 6,014 |
| Total domestic deposits to total assets | 80.3144% | 5,325 |
| Equity capital to assets | 10.1405% | 3,921 |
| Core capital (leverage) ratio | 9.2149% | 4,313 |
| Tier 1 risk-based capital ratio | 12.2351% | 4,759 |
| Total risk-based capital ratio | 13.4956% | 4,693 |
| Memoranda: | ||
| Average total assets | $58,395,750 | 6,452 |
| Average earning assets | $54,183,000 | 6,414 |
| Average equity | $4,835,000 | 7,067 |
| Average total loans | $37,694,000 | 6,250 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1656% | 6,207 |
| Cost of funding earning assets | 1.7404% | 5,062 |
| Net interest margin | 3.4252% | 5,079 |
| Noninterest income to average assets | 0.4771% | 4,653 |
| Noninterest expense to average assets | 3.1270% | 3,592 |
| Loan and lease loss provision to assets | 5.1797% | 186 |
| Net operating income to assets | -4.6717% | 7,913 |
| Return on assets (ROA) | -4.6717% | 7,907 |
| Pretax return on assets | -4.6545% | 7,825 |
| Return on Equity (ROE) | -61.0359% | 7,979 |
| Retained earnings to average equity (ytd only) | -61.0359% | 7,974 |
| Net charge-offs to loans | 7.0174% | 134 |
| Credit loss provision to net charge-offs | 114.4049% | 4,046 |
| Earnings coverage of net charge-offs (x) | 0.1160% | 5,553 |
| Efficiency ratio | 85.6203% | 2,266 |
| Assets per employee ($millions) | 3.4931% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4608% | 937 |
| Loan loss allowance to noncurrent loans | 82.1588% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.8878% | 3,350 |
| Noncurrent loans to loans | 2.9952% | 2,414 |
| Net loans and leases to total assets | 61.4765% | 5,442 |
| Net loans and leases to deposits | 73.0354% | 5,604 |
| Net loans and leases to core deposits | 81.5030% | 6,281 |
| Total domestic deposits to total assets | 84.1737% | 3,663 |
| Equity capital to assets | 6.2561% | 7,878 |
| Core capital (leverage) ratio | 5.9280% | 7,941 |
| Tier 1 risk-based capital ratio | 7.9768% | 7,916 |
| Total risk-based capital ratio | 9.2376% | 7,933 |
| Memoranda: | ||
| Average total assets | $58,266,330 | 6,505 |
| Average earning assets | $54,011,330 | 6,470 |
| Average equity | $4,459,670 | 7,252 |
| Average total loans | $37,592,330 | 6,315 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1455% | 6,503 |
| Cost of funding earning assets | 1.8602% | 4,827 |
| Net interest margin | 3.2853% | 5,543 |
| Noninterest income to average assets | 0.4921% | 4,394 |
| Noninterest expense to average assets | 3.0845% | 3,435 |
| Loan and lease loss provision to assets | 4.6094% | 192 |
| Net operating income to assets | -4.1935% | 7,996 |
| Return on assets (ROA) | -4.1935% | 7,990 |
| Pretax return on assets | -4.1658% | 7,922 |
| Return on Equity (ROE) | -50.0828% | 8,048 |
| Retained earnings to average equity (ytd only) | -50.0828% | 8,031 |
| Net charge-offs to loans | 1.5182% | 953 |
| Credit loss provision to net charge-offs | 465.0350% | 1,144 |
| Earnings coverage of net charge-offs (x) | 0.4476% | 4,632 |
| Efficiency ratio | 87.4263% | 1,941 |
| Assets per employee ($millions) | 3.6442% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3461% | 359 |
| Loan loss allowance to noncurrent loans | 70.1961% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 3.0614% | 1,847 |
| Noncurrent loans to loans | 4.7667% | 1,163 |
| Net loans and leases to total assets | 62.0749% | 5,305 |
| Net loans and leases to deposits | 74.6114% | 5,411 |
| Net loans and leases to core deposits | 84.1271% | 6,053 |
| Total domestic deposits to total assets | 83.1976% | 4,051 |
| Equity capital to assets | 7.7881% | 7,086 |
| Core capital (leverage) ratio | 7.5456% | 7,099 |
| Tier 1 risk-based capital ratio | 9.7508% | 7,204 |
| Total risk-based capital ratio | 11.0220% | 7,081 |
| Memoranda: | ||
| Average total assets | $57,708,500 | 6,551 |
| Average earning assets | $53,328,000 | 6,529 |
| Average equity | $4,832,000 | 7,176 |
| Average total loans | $37,675,000 | 6,348 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2215% | 4,409 |
| Cost of funding earning assets | 1.9744% | 6,497 |
| Net interest margin | 4.2471% | 2,124 |
| Noninterest income to average assets | 0.5402% | 4,317 |
| Noninterest expense to average assets | 3.0899% | 3,738 |
| Loan and lease loss provision to assets | 0.6766% | 2,147 |
| Net operating income to assets | 0.6611% | 4,060 |
| Return on assets (ROA) | 0.6969% | 3,740 |
| Pretax return on assets | 0.7209% | 4,333 |
| Return on Equity (ROE) | 7.6287% | 3,226 |
| Retained earnings to average equity (ytd only) | 0.5651% | 4,900 |
| Net charge-offs to loans | 1.1411% | 1,063 |
| Credit loss provision to net charge-offs | 89.0777% | 5,699 |
| Earnings coverage of net charge-offs (x) | 1.7913% | 5,178 |
| Efficiency ratio | 69.4283% | 4,457 |
| Assets per employee ($millions) | 3.3594% | 5,069 |
| Cash dividends to net income (ytd only)* | 92.5926% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9286% | 1,366 |
| Loan loss allowance to noncurrent loans | 121.4286% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 1.0541% | 4,180 |
| Noncurrent loans to loans | 1.5883% | 3,391 |
| Net loans and leases to total assets | 65.0884% | 5,040 |
| Net loans and leases to deposits | 79.6742% | 5,104 |
| Net loans and leases to core deposits | 88.3911% | 5,936 |
| Total domestic deposits to total assets | 81.6932% | 4,324 |
| Equity capital to assets | 8.9704% | 5,406 |
| Core capital (leverage) ratio | 9.0825% | 4,626 |
| Tier 1 risk-based capital ratio | 10.9331% | 5,786 |
| Total risk-based capital ratio | 12.1886% | 5,696 |
| Memoranda: | ||
| Average total assets | $54,241,000 | 6,611 |
| Average earning assets | $49,940,000 | 6,589 |
| Average equity | $4,955,000 | 7,162 |
| Average total loans | $36,106,600 | 6,360 |