Home > First National Bank of Chester County > Performance and Condition Ratios
First National Bank of Chester County, Performance and Condition Ratios
| 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 | 4.8432% | 5,502 |
| Cost of funding earning assets | 1.2558% | 4,535 |
| Net interest margin | 3.5873% | 4,936 |
| Noninterest income to average assets | 4.4319% | 155 |
| Noninterest expense to average assets | 7.4426% | 128 |
| Loan and lease loss provision to assets | 0.1055% | 5,982 |
| Net operating income to assets | 0.1671% | 5,598 |
| Return on assets (ROA) | 0.0571% | 6,005 |
| Pretax return on assets | 0.1200% | 5,883 |
| Return on Equity (ROE) | 0.7035% | 5,966 |
| Retained earnings to average equity (ytd only) | 0.7035% | 5,519 |
| Net charge-offs to loans | 0.2717% | 4,316 |
| Credit loss provision to net charge-offs | 46.8065% | 5,931 |
| Earnings coverage of net charge-offs (x) | 1.4886% | 4,613 |
| Efficiency ratio | 95.6883% | 917 |
| Assets per employee ($millions) | 1.8389% | 7,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2298% | 1,740 |
| Loan loss allowance to noncurrent loans | 61.7036% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 3.5165% | 2,024 |
| Noncurrent loans to loans | 3.6137% | 2,161 |
| Net loans and leases to total assets | 85.4116% | 241 |
| Net loans and leases to deposits | 99.8434% | 671 |
| Net loans and leases to core deposits | 113.7232% | 852 |
| Total domestic deposits to total assets | 85.5456% | 3,323 |
| Equity capital to assets | 8.9738% | 5,613 |
| Core capital (leverage) ratio | 8.8102% | 4,990 |
| Tier 1 risk-based capital ratio | 11.6245% | 5,813 |
| Total risk-based capital ratio | 12.9998% | 5,656 |
| Memoranda: | ||
| Average total assets | $1,241,600,500 | 537 |
| Average earning assets | $1,158,083,250 | 521 |
| Average equity | $100,823,750 | 659 |
| Average total loans | $1,029,414,500 | 433 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7296% | 6,045 |
| Cost of funding earning assets | 1.2997% | 4,543 |
| Net interest margin | 3.4299% | 5,516 |
| Noninterest income to average assets | 4.4307% | 154 |
| Noninterest expense to average assets | 7.4036% | 136 |
| Loan and lease loss provision to assets | 0.0623% | 6,328 |
| Net operating income to assets | 0.1652% | 5,678 |
| Return on assets (ROA) | 0.0318% | 6,129 |
| Pretax return on assets | 0.0321% | 6,098 |
| Return on Equity (ROE) | 0.4040% | 6,109 |
| Retained earnings to average equity (ytd only) | 0.4040% | 5,603 |
| Net charge-offs to loans | 0.4320% | 3,264 |
| Credit loss provision to net charge-offs | 17.6810% | 5,879 |
| Earnings coverage of net charge-offs (x) | 0.6464% | 5,095 |
| Efficiency ratio | 97.0146% | 916 |
| Assets per employee ($millions) | 2.7174% | 6,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0820% | 2,007 |
| Loan loss allowance to noncurrent loans | 57.5314% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 3.3319% | 2,116 |
| Noncurrent loans to loans | 3.6189% | 2,178 |
| Net loans and leases to total assets | 86.8743% | 175 |
| Net loans and leases to deposits | 102.0902% | 592 |
| Net loans and leases to core deposits | 116.9817% | 810 |
| Total domestic deposits to total assets | 85.0956% | 3,576 |
| Equity capital to assets | 8.6862% | 5,903 |
| Core capital (leverage) ratio | 8.3335% | 5,701 |
| Tier 1 risk-based capital ratio | 11.1844% | 6,053 |
| Total risk-based capital ratio | 12.5536% | 5,927 |
| Memoranda: | ||
| Average total assets | $1,277,272,000 | 523 |
| Average earning assets | $1,191,930,670 | 504 |
| Average equity | $100,493,000 | 653 |
| Average total loans | $1,042,163,000 | 432 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 6,716 |
| Cost of funding earning assets | 1.3709% | 4,351 |
| Net interest margin | 3.1644% | 6,409 |
| Noninterest income to average assets | 3.7629% | 174 |
| Noninterest expense to average assets | 6.9013% | 156 |
| Loan and lease loss provision to assets | 0.0798% | 5,845 |
| Net operating income to assets | -0.2662% | 6,620 |
| Return on assets (ROA) | -0.3256% | 6,742 |
| Pretax return on assets | -0.3250% | 6,662 |
| Return on Equity (ROE) | -4.3353% | 6,845 |
| Retained earnings to average equity (ytd only) | -4.3353% | 6,536 |
| Net charge-offs to loans | 0.4164% | 2,794 |
| Credit loss provision to net charge-offs | 24.4261% | 4,896 |
| Earnings coverage of net charge-offs (x) | -0.5684% | 5,305 |
| Efficiency ratio | 102.7659% | 762 |
| Assets per employee ($millions) | 2.7234% | 6,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2747% | 1,618 |
| Loan loss allowance to noncurrent loans | 79.8379% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 2.4057% | 3,028 |
| Noncurrent loans to loans | 2.8492% | 2,822 |
| Net loans and leases to total assets | 74.7617% | 1,792 |
| Net loans and leases to deposits | 89.8393% | 1,926 |
| Net loans and leases to core deposits | 101.9110% | 1,919 |
| Total domestic deposits to total assets | 83.2171% | 4,516 |
| Equity capital to assets | 7.7328% | 6,902 |
| Core capital (leverage) ratio | 7.6486% | 6,678 |
| Tier 1 risk-based capital ratio | 11.1241% | 6,033 |
| Total risk-based capital ratio | 12.4977% | 5,865 |
| Memoranda: | ||
| Average total assets | $1,333,018,500 | 513 |
| Average earning assets | $1,243,855,500 | 494 |
| Average equity | $100,108,500 | 660 |
| Average total loans | $1,046,096,500 | 452 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3931% | 4,736 |
| Cost of funding earning assets | 1.6766% | 4,635 |
| Net interest margin | 3.7165% | 4,060 |
| Noninterest income to average assets | 4.6025% | 151 |
| Noninterest expense to average assets | 7.3914% | 183 |
| Loan and lease loss provision to assets | 2.5082% | 789 |
| Net operating income to assets | -1.8128% | 7,018 |
| Return on assets (ROA) | -1.8896% | 7,044 |
| Pretax return on assets | -1.9232% | 6,906 |
| Return on Equity (ROE) | -24.7212% | 7,281 |
| Retained earnings to average equity (ytd only) | -26.0272% | 7,288 |
| Net charge-offs to loans | 1.8246% | 1,365 |
| Credit loss provision to net charge-offs | 162.9703% | 2,697 |
| Earnings coverage of net charge-offs (x) | 0.4292% | 5,674 |
| Efficiency ratio | 91.7944% | 1,581 |
| Assets per employee ($millions) | 2.2881% | 7,485 |
| Cash dividends to net income (ytd only)* | -5.2831% | 7,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1018% | 1,822 |
| Loan loss allowance to noncurrent loans | 82.5904% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 2.3127% | 2,988 |
| Noncurrent loans to loans | 2.5448% | 3,008 |
| Net loans and leases to total assets | 78.6403% | 1,258 |
| Net loans and leases to deposits | 97.1887% | 1,190 |
| Net loans and leases to core deposits | 125.4625% | 1,556 |
| Total domestic deposits to total assets | 80.9151% | 5,368 |
| Equity capital to assets | 7.3007% | 7,200 |
| Core capital (leverage) ratio | 7.6128% | 6,670 |
| Tier 1 risk-based capital ratio | 10.3861% | 6,508 |
| Total risk-based capital ratio | 11.7483% | 6,376 |
| Memoranda: | ||
| Average total assets | $1,352,323,800 | 503 |
| Average earning assets | $1,255,168,200 | 489 |
| Average equity | $103,364,800 | 632 |
| Average total loans | $1,140,718,800 | 427 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4324% | 4,781 |
| Cost of funding earning assets | 1.7480% | 4,645 |
| Net interest margin | 3.6844% | 4,139 |
| Noninterest income to average assets | 4.8047% | 142 |
| Noninterest expense to average assets | 6.5528% | 240 |
| Loan and lease loss provision to assets | 1.7518% | 1,054 |
| Net operating income to assets | 0.1226% | 5,401 |
| Return on assets (ROA) | -0.0124% | 5,790 |
| Pretax return on assets | -0.2167% | 6,004 |
| Return on Equity (ROE) | -0.1601% | 5,804 |
| Retained earnings to average equity (ytd only) | -1.7610% | 5,673 |
| Net charge-offs to loans | 0.4882% | 3,273 |
| Credit loss provision to net charge-offs | 420.2613% | 947 |
| Earnings coverage of net charge-offs (x) | 4.0064% | 3,304 |
| Efficiency ratio | 79.6879% | 2,902 |
| Assets per employee ($millions) | 2.2652% | 7,532 |
| Cash dividends to net income (ytd only)* | -1,000.0180% | 8,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0457% | 1,696 |
| Loan loss allowance to noncurrent loans | 148.7933% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 1.4422% | 4,224 |
| Noncurrent loans to loans | 1.3749% | 4,617 |
| Net loans and leases to total assets | 86.0572% | 339 |
| Net loans and leases to deposits | 114.0408% | 325 |
| Net loans and leases to core deposits | 142.4288% | 823 |
| Total domestic deposits to total assets | 75.4618% | 6,683 |
| Equity capital to assets | 7.9488% | 6,896 |
| Core capital (leverage) ratio | 7.2810% | 7,203 |
| Tier 1 risk-based capital ratio | 9.2962% | 7,493 |
| Total risk-based capital ratio | 10.6422% | 7,408 |
| Memoranda: | ||
| Average total assets | $1,346,614,750 | 517 |
| Average earning assets | $1,249,285,000 | 504 |
| Average equity | $104,107,000 | 637 |
| Average total loans | $1,149,736,750 | 440 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3394% | 5,450 |
| Cost of funding earning assets | 1.8065% | 4,724 |
| Net interest margin | 3.5329% | 4,646 |
| Noninterest income to average assets | 4.9137% | 134 |
| Noninterest expense to average assets | 6.3491% | 288 |
| Loan and lease loss provision to assets | 0.9517% | 1,777 |
| Net operating income to assets | 0.7191% | 3,172 |
| Return on assets (ROA) | 0.5913% | 3,826 |
| Pretax return on assets | 0.7679% | 3,782 |
| Return on Equity (ROE) | 7.7175% | 2,883 |
| Retained earnings to average equity (ytd only) | 5.7977% | 2,116 |
| Net charge-offs to loans | 0.1940% | 4,328 |
| Credit loss provision to net charge-offs | 579.8387% | 805 |
| Earnings coverage of net charge-offs (x) | 11.2554% | 1,920 |
| Efficiency ratio | 77.4570% | 3,428 |
| Assets per employee ($millions) | 2.4750% | 7,299 |
| Cash dividends to net income (ytd only)* | 24.8756% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 4,921 |
| Loan loss allowance to noncurrent loans | 78.4361% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.4773% | 4,022 |
| Noncurrent loans to loans | 1.5330% | 4,197 |
| Net loans and leases to total assets | 88.1203% | 229 |
| Net loans and leases to deposits | 125.4919% | 154 |
| Net loans and leases to core deposits | 156.7885% | 500 |
| Total domestic deposits to total assets | 70.2199% | 7,450 |
| Equity capital to assets | 7.4291% | 7,326 |
| Core capital (leverage) ratio | 7.3354% | 7,205 |
| Tier 1 risk-based capital ratio | 9.1273% | 7,625 |
| Total risk-based capital ratio | 10.4576% | 7,586 |
| Memoranda: | ||
| Average total assets | $1,359,817,670 | 524 |
| Average earning assets | $1,263,555,330 | 511 |
| Average equity | $104,179,000 | 640 |
| Average total loans | $1,150,228,000 | 457 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3437% | 5,693 |
| Cost of funding earning assets | 1.9587% | 4,334 |
| Net interest margin | 3.3850% | 5,190 |
| Noninterest income to average assets | 4.6949% | 135 |
| Noninterest expense to average assets | 5.7799% | 316 |
| Loan and lease loss provision to assets | 0.4216% | 2,816 |
| Net operating income to assets | 1.1572% | 1,780 |
| Return on assets (ROA) | 1.0871% | 2,135 |
| Pretax return on assets | 1.5510% | 1,530 |
| Return on Equity (ROE) | 13.9568% | 1,178 |
| Retained earnings to average equity (ytd only) | 10.0539% | 1,176 |
| Net charge-offs to loans | 0.1100% | 4,089 |
| Credit loss provision to net charge-offs | 467.0034% | 1,136 |
| Earnings coverage of net charge-offs (x) | 22.7104% | 1,305 |
| Efficiency ratio | 73.8140% | 3,858 |
| Assets per employee ($millions) | 2.2020% | 7,713 |
| Cash dividends to net income (ytd only)* | 27.9642% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 6,198 |
| Loan loss allowance to noncurrent loans | 54.1412% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 1.7195% | 3,340 |
| Noncurrent loans to loans | 1.8438% | 3,499 |
| Net loans and leases to total assets | 83.7098% | 732 |
| Net loans and leases to deposits | 106.3212% | 838 |
| Net loans and leases to core deposits | 123.2607% | 2,138 |
| Total domestic deposits to total assets | 78.7330% | 5,816 |
| Equity capital to assets | 7.7862% | 7,088 |
| Core capital (leverage) ratio | 7.5800% | 7,051 |
| Tier 1 risk-based capital ratio | 9.5888% | 7,353 |
| Total risk-based capital ratio | 10.8092% | 7,320 |
| Memoranda: | ||
| Average total assets | $1,315,801,000 | 537 |
| Average earning assets | $1,218,784,500 | 529 |
| Average equity | $102,487,500 | 656 |
| Average total loans | $1,079,652,500 | 487 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7897% | 6,464 |
| Cost of funding earning assets | 2.2599% | 5,336 |
| Net interest margin | 3.5297% | 5,190 |
| Noninterest income to average assets | 0.8893% | 2,004 |
| Noninterest expense to average assets | 3.2058% | 3,318 |
| Loan and lease loss provision to assets | 0.1574% | 5,357 |
| Net operating income to assets | 0.6083% | 4,265 |
| Return on assets (ROA) | 0.6351% | 4,013 |
| Pretax return on assets | 0.8036% | 4,059 |
| Return on Equity (ROE) | 8.0381% | 3,061 |
| Retained earnings to average equity (ytd only) | 4.3750% | 2,396 |
| Net charge-offs to loans | 0.0564% | 5,968 |
| Credit loss provision to net charge-offs | 350.9677% | 1,286 |
| Earnings coverage of net charge-offs (x) | 20.6688% | 1,565 |
| Efficiency ratio | 77.5664% | 2,982 |
| Assets per employee ($millions) | 2.3978% | 7,401 |
| Cash dividends to net income (ytd only)* | 45.5719% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 6,030 |
| Loan loss allowance to noncurrent loans | 90.7773% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.0220% | 4,273 |
| Noncurrent loans to loans | 1.1042% | 4,352 |
| Net loans and leases to total assets | 78.6834% | 1,960 |
| Net loans and leases to deposits | 100.4640% | 1,792 |
| Net loans and leases to core deposits | 123.5432% | 2,354 |
| Total domestic deposits to total assets | 78.3201% | 5,605 |
| Equity capital to assets | 7.7919% | 7,101 |
| Core capital (leverage) ratio | 9.8770% | 3,570 |
| Tier 1 risk-based capital ratio | 9.3245% | 7,495 |
| Total risk-based capital ratio | 10.4255% | 7,601 |
| Memoranda: | ||
| Average total assets | $1,036,593,600 | 637 |
| Average earning assets | $952,596,400 | 627 |
| Average equity | $81,897,600 | 813 |
| Average total loans | $824,113,400 | 578 |