Home > First National Bank of Borger > Performance and Condition Ratios
First National Bank of Borger, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3911% | 7,488 |
| Cost of funding earning assets | 1.8787% | 274 |
| Net interest margin | 0.5124% | 7,545 |
| Noninterest income to average assets | 0.4235% | 4,505 |
| Noninterest expense to average assets | 0.0000% | 7,573 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5646% | 4,213 |
| Return on assets (ROA) | 0.5646% | 4,292 |
| Pretax return on assets | 0.5646% | 4,818 |
| Return on Equity (ROE) | 2.5157% | 5,595 |
| Retained earnings to average equity (ytd only) | 2.5157% | 4,651 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0000% | 7,564 |
| Assets per employee ($millions) | 3.0313% | 6,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 7.3455% | 7,511 |
| Net loans and leases to deposits | 9.3114% | 7,518 |
| Net loans and leases to core deposits | 9.3114% | 7,504 |
| Total domestic deposits to total assets | 78.8872% | 6,222 |
| Equity capital to assets | 21.0468% | 205 |
| Core capital (leverage) ratio | 20.5321% | 201 |
| Tier 1 risk-based capital ratio | 21.4911% | 1,314 |
| Total risk-based capital ratio | 21.4911% | 1,506 |
| Memoranda: | ||
| Average total assets | $8,501,500 | 7,558 |
| Average earning assets | $2,342,000 | 7,570 |
| Average equity | $1,908,000 | 7,407 |
| Average total loans | $2,342,000 | 7,519 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0534% | 7,597 |
| Cost of funding earning assets | 0.1421% | 7,570 |
| Net interest margin | 0.9112% | 7,589 |
| Noninterest income to average assets | 0.1187% | 6,812 |
| Noninterest expense to average assets | 0.0061% | 7,653 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8736% | 2,488 |
| Return on assets (ROA) | 0.8736% | 2,630 |
| Pretax return on assets | 0.8736% | 3,397 |
| Return on Equity (ROE) | 7.8227% | 2,769 |
| Retained earnings to average equity (ytd only) | 3.7342% | 3,253 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.6920% | 7,646 |
| Assets per employee ($millions) | 2.6363% | 6,790 |
| Cash dividends to net income (ytd only)* | 52.2648% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 50.7776% | 6,073 |
| Net loans and leases to deposits | 66.8999% | 5,272 |
| Net loans and leases to core deposits | 66.8999% | 5,786 |
| Total domestic deposits to total assets | 75.9009% | 6,643 |
| Equity capital to assets | 24.0486% | 134 |
| Core capital (leverage) ratio | 518.2561% | 2 |
| Tier 1 risk-based capital ratio | 24.6341% | 878 |
| Total risk-based capital ratio | 30.6307% | 519 |
| Memoranda: | ||
| Average total assets | $32,854,400 | 7,119 |
| Average earning assets | $27,436,000 | 7,177 |
| Average equity | $3,668,800 | 7,089 |
| Average total loans | $25,350,800 | 6,651 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2505% | 3,574 |
| Cost of funding earning assets | 0.7329% | 6,963 |
| Net interest margin | 4.5176% | 1,219 |
| Noninterest income to average assets | 0.5048% | 4,143 |
| Noninterest expense to average assets | 2.9503% | 3,920 |
| Loan and lease loss provision to assets | 0.1364% | 5,663 |
| Net operating income to assets | 1.2654% | 1,430 |
| Return on assets (ROA) | 1.2654% | 1,511 |
| Pretax return on assets | 1.2654% | 2,281 |
| Return on Equity (ROE) | 12.0338% | 1,493 |
| Retained earnings to average equity (ytd only) | 7.1685% | 1,772 |
| Net charge-offs to loans | -0.1217% | 7,574 |
| Credit loss provision to net charge-offs | -142.8571% | 6,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7900% | 4,506 |
| Assets per employee ($millions) | 2.7941% | 6,597 |
| Cash dividends to net income (ytd only)* | 40.4326% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 5,493 |
| Loan loss allowance to noncurrent loans | 26.4831% | 6,549 |
| Noncurrent assets plus other real estate owned to assets | 4.8879% | 1,330 |
| Noncurrent loans to loans | 4.5313% | 1,593 |
| Net loans and leases to total assets | 78.9273% | 891 |
| Net loans and leases to deposits | 88.6089% | 1,924 |
| Net loans and leases to core deposits | 95.4286% | 2,331 |
| Total domestic deposits to total assets | 89.0738% | 1,359 |
| Equity capital to assets | 10.7575% | 3,216 |
| Core capital (leverage) ratio | 10.4609% | 2,728 |
| Tier 1 risk-based capital ratio | 12.4778% | 5,004 |
| Total risk-based capital ratio | 13.5897% | 5,105 |
| Memoranda: | ||
| Average total assets | $39,090,750 | 6,983 |
| Average earning assets | $33,291,000 | 7,055 |
| Average equity | $4,110,500 | 7,048 |
| Average total loans | $30,684,500 | 6,450 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6920% | 1,797 |
| Cost of funding earning assets | 0.7283% | 7,127 |
| Net interest margin | 4.9637% | 457 |
| Noninterest income to average assets | 0.4862% | 4,222 |
| Noninterest expense to average assets | 2.9784% | 3,792 |
| Loan and lease loss provision to assets | 0.2047% | 4,826 |
| Net operating income to assets | 1.4534% | 982 |
| Return on assets (ROA) | 1.4534% | 1,052 |
| Pretax return on assets | 1.4534% | 1,685 |
| Return on Equity (ROE) | 13.9284% | 1,054 |
| Retained earnings to average equity (ytd only) | 6.5718% | 2,038 |
| Net charge-offs to loans | 0.0656% | 5,487 |
| Credit loss provision to net charge-offs | 400.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 32.4000% | 869 |
| Efficiency ratio | 64.2384% | 5,289 |
| Assets per employee ($millions) | 3.0462% | 6,043 |
| Cash dividends to net income (ytd only)* | 52.8169% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 5,346 |
| Loan loss allowance to noncurrent loans | 75.8465% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 2.3712% | 3,041 |
| Noncurrent loans to loans | 1.6104% | 4,295 |
| Net loans and leases to total assets | 68.6187% | 3,216 |
| Net loans and leases to deposits | 76.7100% | 4,200 |
| Net loans and leases to core deposits | 81.8686% | 4,436 |
| Total domestic deposits to total assets | 89.4520% | 1,204 |
| Equity capital to assets | 10.4066% | 3,520 |
| Core capital (leverage) ratio | 10.4506% | 2,665 |
| Tier 1 risk-based capital ratio | 13.5350% | 4,046 |
| Total risk-based capital ratio | 14.6386% | 4,106 |
| Memoranda: | ||
| Average total assets | $39,082,000 | 7,024 |
| Average earning assets | $32,677,330 | 7,126 |
| Average equity | $4,078,000 | 7,096 |
| Average total loans | $30,496,330 | 6,502 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6869% | 1,823 |
| Cost of funding earning assets | 0.7032% | 7,330 |
| Net interest margin | 4.9837% | 432 |
| Noninterest income to average assets | 0.4842% | 4,165 |
| Noninterest expense to average assets | 3.1116% | 3,219 |
| Loan and lease loss provision to assets | 0.1236% | 5,341 |
| Net operating income to assets | 1.4115% | 1,048 |
| Return on assets (ROA) | 1.4115% | 1,119 |
| Pretax return on assets | 1.4115% | 1,738 |
| Return on Equity (ROE) | 13.5092% | 1,146 |
| Retained earnings to average equity (ytd only) | 13.5092% | 559 |
| Net charge-offs to loans | 0.1375% | 4,120 |
| Credit loss provision to net charge-offs | 109.0909% | 3,153 |
| Earnings coverage of net charge-offs (x) | 13.5455% | 1,490 |
| Efficiency ratio | 66.9623% | 4,927 |
| Assets per employee ($millions) | 2.6806% | 6,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 6,788 |
| Loan loss allowance to noncurrent loans | 74.5763% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 2.2607% | 3,199 |
| Noncurrent loans to loans | 1.2302% | 4,920 |
| Net loans and leases to total assets | 82.7277% | 504 |
| Net loans and leases to deposits | 92.2872% | 1,573 |
| Net loans and leases to core deposits | 99.2392% | 2,206 |
| Total domestic deposits to total assets | 89.6416% | 1,166 |
| Equity capital to assets | 10.2589% | 3,523 |
| Core capital (leverage) ratio | 10.7641% | 2,398 |
| Tier 1 risk-based capital ratio | 11.3104% | 5,844 |
| Total risk-based capital ratio | 12.1549% | 6,227 |
| Memoranda: | ||
| Average total assets | $38,823,000 | 7,126 |
| Average earning assets | $32,425,500 | 7,224 |
| Average equity | $4,056,500 | 7,163 |
| Average total loans | $31,990,000 | 6,524 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3587% | 4,901 |
| Cost of funding earning assets | 0.8201% | 7,529 |
| Net interest margin | 4.5386% | 1,101 |
| Noninterest income to average assets | 0.2758% | 6,133 |
| Noninterest expense to average assets | 2.9170% | 4,475 |
| Loan and lease loss provision to assets | 0.1518% | 6,147 |
| Net operating income to assets | 1.0854% | 1,550 |
| Return on assets (ROA) | 1.0854% | 1,600 |
| Pretax return on assets | 1.0854% | 2,292 |
| Return on Equity (ROE) | 9.8743% | 1,724 |
| Retained earnings to average equity (ytd only) | -6.2376% | 6,174 |
| Net charge-offs to loans | 0.8581% | 2,681 |
| Credit loss provision to net charge-offs | 21.2014% | 6,934 |
| Earnings coverage of net charge-offs (x) | 1.7279% | 4,436 |
| Efficiency ratio | 70.2192% | 4,577 |
| Assets per employee ($millions) | 2.2022% | 7,571 |
| Cash dividends to net income (ytd only)* | 163.1702% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 6,337 |
| Loan loss allowance to noncurrent loans | 64.4211% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 2.6391% | 2,665 |
| Noncurrent loans to loans | 1.5621% | 4,309 |
| Net loans and leases to total assets | 80.4071% | 923 |
| Net loans and leases to deposits | 90.0826% | 2,202 |
| Net loans and leases to core deposits | 111.7579% | 2,721 |
| Total domestic deposits to total assets | 89.2593% | 1,346 |
| Equity capital to assets | 10.6526% | 3,018 |
| Core capital (leverage) ratio | 10.3652% | 2,721 |
| Tier 1 risk-based capital ratio | 12.2425% | 4,730 |
| Total risk-based capital ratio | 13.1819% | 4,951 |
| Memoranda: | ||
| Average total assets | $39,526,400 | 7,114 |
| Average earning assets | $33,777,000 | 7,197 |
| Average equity | $4,344,600 | 7,163 |
| Average total loans | $32,981,000 | 6,468 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2561% | 5,652 |
| Cost of funding earning assets | 0.8238% | 7,663 |
| Net interest margin | 4.4323% | 1,363 |
| Noninterest income to average assets | 0.2197% | 6,656 |
| Noninterest expense to average assets | 2.9430% | 4,263 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0920% | 1,761 |
| Return on assets (ROA) | 1.0920% | 1,818 |
| Pretax return on assets | 1.0920% | 2,606 |
| Return on Equity (ROE) | 9.8634% | 1,970 |
| Retained earnings to average equity (ytd only) | 9.8634% | 663 |
| Net charge-offs to loans | -0.0277% | 7,794 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9373% | 4,066 |
| Assets per employee ($millions) | 2.8131% | 6,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 2,798 |
| Loan loss allowance to noncurrent loans | 41.3900% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 4.5908% | 1,321 |
| Noncurrent loans to loans | 3.9924% | 1,841 |
| Net loans and leases to total assets | 81.0020% | 975 |
| Net loans and leases to deposits | 96.0122% | 1,574 |
| Net loans and leases to core deposits | 119.1358% | 2,320 |
| Total domestic deposits to total assets | 84.3664% | 3,546 |
| Equity capital to assets | 11.6472% | 2,470 |
| Core capital (leverage) ratio | 11.7878% | 1,914 |
| Tier 1 risk-based capital ratio | 13.2431% | 4,025 |
| Total risk-based capital ratio | 14.4961% | 3,966 |
| Memoranda: | ||
| Average total assets | $40,048,750 | 7,145 |
| Average earning assets | $34,473,000 | 7,231 |
| Average equity | $4,433,750 | 7,207 |
| Average total loans | $33,624,250 | 6,471 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1128% | 6,378 |
| Cost of funding earning assets | 0.8579% | 7,750 |
| Net interest margin | 4.2549% | 1,799 |
| Noninterest income to average assets | 0.4420% | 4,916 |
| Noninterest expense to average assets | 2.9351% | 4,361 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1522% | 1,606 |
| Return on assets (ROA) | 1.1522% | 1,690 |
| Pretax return on assets | 1.1522% | 2,455 |
| Return on Equity (ROE) | 10.5872% | 1,827 |
| Retained earnings to average equity (ytd only) | 10.5872% | 628 |
| Net charge-offs to loans | -0.0235% | 7,731 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8104% | 4,450 |
| Assets per employee ($millions) | 2.4464% | 7,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 2,582 |
| Loan loss allowance to noncurrent loans | 33.2917% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 4.6675% | 1,188 |
| Noncurrent loans to loans | 4.9183% | 1,257 |
| Net loans and leases to total assets | 81.8001% | 989 |
| Net loans and leases to deposits | 92.5913% | 2,347 |
| Net loans and leases to core deposits | 115.6756% | 2,743 |
| Total domestic deposits to total assets | 88.3453% | 1,597 |
| Equity capital to assets | 11.4733% | 2,555 |
| Core capital (leverage) ratio | 11.1158% | 2,318 |
| Tier 1 risk-based capital ratio | 13.1670% | 4,024 |
| Total risk-based capital ratio | 14.4218% | 3,946 |
| Memoranda: | ||
| Average total assets | $40,270,670 | 7,196 |
| Average earning assets | $34,501,330 | 7,294 |
| Average equity | $4,382,670 | 7,283 |
| Average total loans | $34,020,000 | 6,497 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3219% | 5,801 |
| Cost of funding earning assets | 0.9290% | 7,775 |
| Net interest margin | 4.3929% | 1,360 |
| Noninterest income to average assets | 0.4212% | 5,038 |
| Noninterest expense to average assets | 2.8113% | 4,509 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3616% | 1,230 |
| Return on assets (ROA) | 1.3616% | 1,319 |
| Pretax return on assets | 1.3616% | 2,079 |
| Return on Equity (ROE) | 12.8451% | 1,429 |
| Retained earnings to average equity (ytd only) | 12.8451% | 663 |
| Net charge-offs to loans | -0.0115% | 7,307 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3709% | 5,069 |
| Assets per employee ($millions) | 2.3753% | 7,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 2,575 |
| Loan loss allowance to noncurrent loans | 37.5887% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 4.0515% | 1,262 |
| Noncurrent loans to loans | 4.2200% | 1,399 |
| Net loans and leases to total assets | 81.4314% | 1,112 |
| Net loans and leases to deposits | 91.5219% | 2,689 |
| Net loans and leases to core deposits | 111.9044% | 3,229 |
| Total domestic deposits to total assets | 88.9747% | 1,238 |
| Equity capital to assets | 10.8915% | 3,081 |
| Core capital (leverage) ratio | 12.8506% | 1,535 |
| Tier 1 risk-based capital ratio | 12.5650% | 4,502 |
| Total risk-based capital ratio | 13.8164% | 4,423 |
| Memoranda: | ||
| Average total assets | $40,834,500 | 7,212 |
| Average earning assets | $34,874,500 | 7,308 |
| Average equity | $4,328,500 | 7,343 |
| Average total loans | $34,754,000 | 6,508 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3204% | 3,854 |
| Cost of funding earning assets | 1.4805% | 7,638 |
| Net interest margin | 4.8399% | 719 |
| Noninterest income to average assets | -0.0121% | 8,161 |
| Noninterest expense to average assets | 2.7840% | 4,892 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4547% | 1,117 |
| Return on assets (ROA) | 1.4547% | 1,067 |
| Pretax return on assets | 1.4547% | 1,807 |
| Return on Equity (ROE) | 14.7368% | 965 |
| Retained earnings to average equity (ytd only) | 9.8490% | 473 |
| Net charge-offs to loans | -0.0696% | 8,055 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6801% | 5,193 |
| Assets per employee ($millions) | 2.5806% | 7,048 |
| Cash dividends to net income (ytd only)* | 33.1675% | 3,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 2,856 |
| Loan loss allowance to noncurrent loans | 41.4252% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 3.7419% | 1,154 |
| Noncurrent loans to loans | 3.5378% | 1,430 |
| Net loans and leases to total assets | 86.1416% | 590 |
| Net loans and leases to deposits | 96.2519% | 2,407 |
| Net loans and leases to core deposits | 121.0050% | 2,602 |
| Total domestic deposits to total assets | 89.4960% | 851 |
| Equity capital to assets | 10.3151% | 3,698 |
| Core capital (leverage) ratio | 10.2644% | 3,202 |
| Tier 1 risk-based capital ratio | 11.4103% | 5,325 |
| Total risk-based capital ratio | 12.6614% | 5,226 |
| Memoranda: | ||
| Average total assets | $41,451,400 | 7,148 |
| Average earning assets | $36,406,000 | 7,222 |
| Average equity | $4,091,800 | 7,480 |
| Average total loans | $35,908,400 | 6,372 |