Home > First National Bank of Georgia > Performance and Condition Ratios
First National Bank of Georgia, Performance and Condition Ratios
| 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 | 4.9911% | 6,463 |
| Cost of funding earning assets | 2.7974% | 451 |
| Net interest margin | 2.1937% | 7,647 |
| Noninterest income to average assets | -0.6178% | 7,957 |
| Noninterest expense to average assets | 3.4509% | 2,525 |
| Loan and lease loss provision to assets | 5.1632% | 174 |
| Net operating income to assets | -7.1023% | 7,900 |
| Return on assets (ROA) | -7.7095% | 7,917 |
| Pretax return on assets | -7.9372% | 7,910 |
| Return on Equity (ROE) | -199.9538% | 7,997 |
| Retained earnings to average equity (ytd only) | -199.9538% | 7,997 |
| Net charge-offs to loans | 5.2313% | 230 |
| Credit loss provision to net charge-offs | 141.8388% | 3,411 |
| Earnings coverage of net charge-offs (x) | -0.5901% | 6,745 |
| Efficiency ratio | 259.7762% | 78 |
| Assets per employee ($millions) | 4.2032% | 3,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4313% | 267 |
| Loan loss allowance to noncurrent loans | 23.1680% | 6,906 |
| Noncurrent assets plus other real estate owned to assets | 17.7845% | 86 |
| Noncurrent loans to loans | 19.1267% | 78 |
| Net loans and leases to total assets | 64.2158% | 4,557 |
| Net loans and leases to deposits | 69.1902% | 5,699 |
| Net loans and leases to core deposits | 106.5024% | 3,273 |
| Total domestic deposits to total assets | 92.8105% | 149 |
| Equity capital to assets | 0.0281% | 7,995 |
| Core capital (leverage) ratio | -0.3788% | 8,003 |
| Tier 1 risk-based capital ratio | -0.5212% | 8,003 |
| Total risk-based capital ratio | -0.5212% | 8,003 |
| Memoranda: | ||
| Average total assets | $864,405,400 | 786 |
| Average earning assets | $756,811,400 | 820 |
| Average equity | $33,328,200 | 2,010 |
| Average total loans | $601,493,200 | 784 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0840% | 6,322 |
| Cost of funding earning assets | 2.8442% | 531 |
| Net interest margin | 2.2398% | 7,691 |
| Noninterest income to average assets | -0.5262% | 8,046 |
| Noninterest expense to average assets | 3.4964% | 2,291 |
| Loan and lease loss provision to assets | 4.7036% | 198 |
| Net operating income to assets | -7.3880% | 7,992 |
| Return on assets (ROA) | -8.2152% | 8,016 |
| Pretax return on assets | -7.5983% | 7,985 |
| Return on Equity (ROE) | -171.8720% | 8,064 |
| Retained earnings to average equity (ytd only) | -171.8720% | 8,064 |
| Net charge-offs to loans | 4.9771% | 231 |
| Credit loss provision to net charge-offs | 134.6962% | 3,687 |
| Earnings coverage of net charge-offs (x) | -0.5921% | 6,514 |
| Efficiency ratio | 240.0729% | 94 |
| Assets per employee ($millions) | 4.0417% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3637% | 474 |
| Loan loss allowance to noncurrent loans | 20.0980% | 7,085 |
| Noncurrent assets plus other real estate owned to assets | 16.9623% | 82 |
| Noncurrent loans to loans | 16.7366% | 111 |
| Net loans and leases to total assets | 68.2322% | 3,905 |
| Net loans and leases to deposits | 74.9507% | 5,214 |
| Net loans and leases to core deposits | 112.6799% | 2,961 |
| Total domestic deposits to total assets | 91.0362% | 406 |
| Equity capital to assets | 1.6833% | 8,060 |
| Core capital (leverage) ratio | 1.1508% | 8,068 |
| Tier 1 risk-based capital ratio | 1.4981% | 8,068 |
| Total risk-based capital ratio | 2.7712% | 8,068 |
| Memoranda: | ||
| Average total assets | $870,348,500 | 793 |
| Average earning assets | $759,749,000 | 822 |
| Average equity | $41,601,250 | 1,625 |
| Average total loans | $610,654,250 | 784 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1065% | 6,409 |
| Cost of funding earning assets | 2.8835% | 633 |
| Net interest margin | 2.2230% | 7,738 |
| Noninterest income to average assets | -0.6157% | 8,134 |
| Noninterest expense to average assets | 3.3167% | 2,889 |
| Loan and lease loss provision to assets | 5.9001% | 146 |
| Net operating income to assets | -8.8115% | 8,092 |
| Return on assets (ROA) | -9.6007% | 8,105 |
| Pretax return on assets | -8.6885% | 8,067 |
| Return on Equity (ROE) | -166.8771% | 8,135 |
| Retained earnings to average equity (ytd only) | -166.8771% | 8,133 |
| Net charge-offs to loans | 5.1332% | 239 |
| Credit loss provision to net charge-offs | 164.1480% | 2,790 |
| Earnings coverage of net charge-offs (x) | -0.5562% | 6,101 |
| Efficiency ratio | 246.8191% | 119 |
| Assets per employee ($millions) | 3.7043% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5415% | 364 |
| Loan loss allowance to noncurrent loans | 21.1291% | 7,068 |
| Noncurrent assets plus other real estate owned to assets | 17.0448% | 73 |
| Noncurrent loans to loans | 16.7615% | 97 |
| Net loans and leases to total assets | 68.7702% | 4,004 |
| Net loans and leases to deposits | 76.2213% | 5,138 |
| Net loans and leases to core deposits | 112.9080% | 3,025 |
| Total domestic deposits to total assets | 90.2244% | 743 |
| Equity capital to assets | 2.6123% | 8,128 |
| Core capital (leverage) ratio | 2.3530% | 8,137 |
| Tier 1 risk-based capital ratio | 2.9864% | 8,141 |
| Total risk-based capital ratio | 4.2607% | 8,141 |
| Memoranda: | ||
| Average total assets | $882,938,000 | 797 |
| Average earning assets | $767,804,330 | 836 |
| Average equity | $50,796,670 | 1,349 |
| Average total loans | $618,251,670 | 795 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1968% | 6,306 |
| Cost of funding earning assets | 2.8872% | 794 |
| Net interest margin | 2.3096% | 7,705 |
| Noninterest income to average assets | 0.1991% | 6,867 |
| Noninterest expense to average assets | 2.7996% | 4,562 |
| Loan and lease loss provision to assets | 1.7550% | 709 |
| Net operating income to assets | -1.3724% | 7,449 |
| Return on assets (ROA) | -1.2561% | 7,411 |
| Pretax return on assets | -2.1683% | 7,580 |
| Return on Equity (ROE) | -17.3662% | 7,691 |
| Retained earnings to average equity (ytd only) | -17.3662% | 7,555 |
| Net charge-offs to loans | 1.9860% | 727 |
| Credit loss provision to net charge-offs | 127.2962% | 3,134 |
| Earnings coverage of net charge-offs (x) | -0.4315% | 5,228 |
| Efficiency ratio | 124.1032% | 581 |
| Assets per employee ($millions) | 3.9462% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9500% | 1,526 |
| Loan loss allowance to noncurrent loans | 15.3676% | 7,387 |
| Noncurrent assets plus other real estate owned to assets | 13.8145% | 100 |
| Noncurrent loans to loans | 12.6889% | 158 |
| Net loans and leases to total assets | 66.6669% | 4,422 |
| Net loans and leases to deposits | 77.1200% | 5,071 |
| Net loans and leases to core deposits | 114.0174% | 3,006 |
| Total domestic deposits to total assets | 86.4456% | 2,483 |
| Equity capital to assets | 7.0069% | 7,676 |
| Core capital (leverage) ratio | 6.5573% | 7,856 |
| Tier 1 risk-based capital ratio | 8.8206% | 7,871 |
| Total risk-based capital ratio | 10.0775% | 7,919 |
| Memoranda: | ||
| Average total assets | $900,260,500 | 782 |
| Average earning assets | $781,784,500 | 822 |
| Average equity | $65,115,000 | 1,049 |
| Average total loans | $624,981,500 | 795 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1536% | 4,757 |
| Cost of funding earning assets | 3.2001% | 1,192 |
| Net interest margin | 2.9535% | 7,019 |
| Noninterest income to average assets | 0.8077% | 2,473 |
| Noninterest expense to average assets | 5.8816% | 419 |
| Loan and lease loss provision to assets | 1.6754% | 777 |
| Net operating income to assets | -3.4284% | 7,899 |
| Return on assets (ROA) | -3.3883% | 7,875 |
| Pretax return on assets | -4.1072% | 7,908 |
| Return on Equity (ROE) | -35.6903% | 8,031 |
| Retained earnings to average equity (ytd only) | -38.1870% | 8,022 |
| Net charge-offs to loans | 2.4753% | 391 |
| Credit loss provision to net charge-offs | 92.6502% | 5,608 |
| Earnings coverage of net charge-offs (x) | -1.3718% | 6,650 |
| Efficiency ratio | 91.2716% | 1,426 |
| Assets per employee ($millions) | 3.5845% | 4,457 |
| Cash dividends to net income (ytd only)* | -6.9954% | 7,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7837% | 1,667 |
| Loan loss allowance to noncurrent loans | 14.7510% | 7,400 |
| Noncurrent assets plus other real estate owned to assets | 13.7236% | 74 |
| Noncurrent loans to loans | 12.0918% | 128 |
| Net loans and leases to total assets | 69.6238% | 4,114 |
| Net loans and leases to deposits | 81.1212% | 4,852 |
| Net loans and leases to core deposits | 123.0670% | 2,394 |
| Total domestic deposits to total assets | 85.8269% | 2,483 |
| Equity capital to assets | 7.4646% | 7,412 |
| Core capital (leverage) ratio | 7.0421% | 7,663 |
| Tier 1 risk-based capital ratio | 9.1737% | 7,642 |
| Total risk-based capital ratio | 10.4238% | 7,603 |
| Memoranda: | ||
| Average total assets | $889,345,800 | 758 |
| Average earning assets | $780,859,800 | 789 |
| Average equity | $84,431,800 | 791 |
| Average total loans | $649,687,200 | 734 |