Home > First National Bank of Kansas > Performance and Condition Ratios
First National Bank of Kansas, 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 | 4.3522% | 6,973 |
| Cost of funding earning assets | 0.8383% | 6,794 |
| Net interest margin | 3.5140% | 5,199 |
| Noninterest income to average assets | 0.7760% | 2,251 |
| Noninterest expense to average assets | 3.2466% | 2,739 |
| Loan and lease loss provision to assets | 0.8173% | 1,768 |
| Net operating income to assets | -0.0491% | 6,149 |
| Return on assets (ROA) | 0.0570% | 6,077 |
| Pretax return on assets | 0.0868% | 6,002 |
| Return on Equity (ROE) | 0.5520% | 6,073 |
| Retained earnings to average equity (ytd only) | 0.5520% | 5,542 |
| Net charge-offs to loans | 2.0857% | 867 |
| Credit loss provision to net charge-offs | 52.0687% | 5,371 |
| Earnings coverage of net charge-offs (x) | 0.4736% | 5,243 |
| Efficiency ratio | 81.3690% | 2,246 |
| Assets per employee ($millions) | 4.1404% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4538% | 1,361 |
| Loan loss allowance to noncurrent loans | 39.0492% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 5.3492% | 1,171 |
| Noncurrent loans to loans | 6.2839% | 979 |
| Net loans and leases to total assets | 74.0462% | 1,904 |
| Net loans and leases to deposits | 87.7921% | 2,209 |
| Net loans and leases to core deposits | 88.7751% | 3,443 |
| Total domestic deposits to total assets | 84.3426% | 3,935 |
| Equity capital to assets | 11.1624% | 2,719 |
| Core capital (leverage) ratio | 10.3893% | 2,726 |
| Tier 1 risk-based capital ratio | 17.8284% | 2,000 |
| Total risk-based capital ratio | 24.7948% | 972 |
| Memoranda: | ||
| Average total assets | $779,146,000 | 876 |
| Average earning assets | $712,644,330 | 866 |
| Average equity | $80,430,000 | 815 |
| Average total loans | $586,372,330 | 773 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3856% | 7,014 |
| Cost of funding earning assets | 0.8970% | 6,782 |
| Net interest margin | 3.4886% | 5,207 |
| Noninterest income to average assets | 0.7366% | 2,375 |
| Noninterest expense to average assets | 3.3333% | 2,419 |
| Loan and lease loss provision to assets | -0.6653% | 7,907 |
| Net operating income to assets | 0.7705% | 3,105 |
| Return on assets (ROA) | 0.9718% | 2,358 |
| Pretax return on assets | 1.5586% | 1,370 |
| Return on Equity (ROE) | 9.7863% | 2,174 |
| Retained earnings to average equity (ytd only) | 9.7863% | 1,188 |
| Net charge-offs to loans | 2.8759% | 542 |
| Credit loss provision to net charge-offs | -30.8625% | 5,985 |
| Earnings coverage of net charge-offs (x) | 0.2685% | 4,806 |
| Efficiency ratio | 85.2042% | 1,886 |
| Assets per employee ($millions) | 4.0038% | 3,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7830% | 2,782 |
| Loan loss allowance to noncurrent loans | 33.1292% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 5.1049% | 1,247 |
| Noncurrent loans to loans | 5.3819% | 1,314 |
| Net loans and leases to total assets | 80.6694% | 747 |
| Net loans and leases to deposits | 94.8537% | 1,249 |
| Net loans and leases to core deposits | 96.3655% | 2,547 |
| Total domestic deposits to total assets | 85.0460% | 3,654 |
| Equity capital to assets | 11.0029% | 2,759 |
| Core capital (leverage) ratio | 10.2678% | 2,847 |
| Tier 1 risk-based capital ratio | 16.9166% | 2,291 |
| Total risk-based capital ratio | 23.4506% | 1,152 |
| Memoranda: | ||
| Average total assets | $796,080,500 | 871 |
| Average earning assets | $724,639,500 | 872 |
| Average equity | $79,049,500 | 831 |
| Average total loans | $596,693,000 | 773 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2521% | 187 |
| Cost of funding earning assets | 1.2492% | 6,476 |
| Net interest margin | 6.0029% | 110 |
| Noninterest income to average assets | 0.8119% | 2,348 |
| Noninterest expense to average assets | 3.0879% | 3,799 |
| Loan and lease loss provision to assets | 5.0385% | 188 |
| Net operating income to assets | -1.1057% | 6,646 |
| Return on assets (ROA) | -1.1057% | 6,650 |
| Pretax return on assets | -1.7809% | 6,850 |
| Return on Equity (ROE) | -14.8003% | 6,923 |
| Retained earnings to average equity (ytd only) | -14.8003% | 6,875 |
| Net charge-offs to loans | 4.5406% | 318 |
| Credit loss provision to net charge-offs | 140.3103% | 3,467 |
| Earnings coverage of net charge-offs (x) | 0.9071% | 5,203 |
| Efficiency ratio | 48.6632% | 7,599 |
| Assets per employee ($millions) | 4.1371% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4966% | 127 |
| Loan loss allowance to noncurrent loans | 63.9966% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 6.6260% | 814 |
| Noncurrent loans to loans | 8.5888% | 558 |
| Net loans and leases to total assets | 64.5628% | 4,480 |
| Net loans and leases to deposits | 74.0637% | 5,029 |
| Net loans and leases to core deposits | 82.1654% | 5,896 |
| Total domestic deposits to total assets | 87.1720% | 2,404 |
| Equity capital to assets | 8.9381% | 5,234 |
| Core capital (leverage) ratio | 8.5621% | 5,169 |
| Tier 1 risk-based capital ratio | 11.3681% | 5,547 |
| Total risk-based capital ratio | 16.7190% | 2,684 |
| Memoranda: | ||
| Average total assets | $918,950,600 | 737 |
| Average earning assets | $847,096,200 | 716 |
| Average equity | $68,653,800 | 957 |
| Average total loans | $726,761,200 | 635 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1614% | 242 |
| Cost of funding earning assets | 1.3173% | 6,501 |
| Net interest margin | 5.8441% | 130 |
| Noninterest income to average assets | 0.8113% | 2,375 |
| Noninterest expense to average assets | 3.0797% | 3,726 |
| Loan and lease loss provision to assets | 4.9756% | 171 |
| Net operating income to assets | -1.1310% | 6,919 |
| Return on assets (ROA) | -1.1310% | 6,919 |
| Pretax return on assets | -1.8201% | 7,096 |
| Return on Equity (ROE) | -15.8206% | 7,228 |
| Retained earnings to average equity (ytd only) | -15.8206% | 7,177 |
| Net charge-offs to loans | 4.4890% | 284 |
| Credit loss provision to net charge-offs | 136.0810% | 3,647 |
| Earnings coverage of net charge-offs (x) | 0.8630% | 5,195 |
| Efficiency ratio | 49.3927% | 7,595 |
| Assets per employee ($millions) | 4.1738% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3375% | 230 |
| Loan loss allowance to noncurrent loans | 62.1071% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 5.5972% | 1,010 |
| Noncurrent loans to loans | 6.9838% | 772 |
| Net loans and leases to total assets | 69.4843% | 3,618 |
| Net loans and leases to deposits | 78.8260% | 4,591 |
| Net loans and leases to core deposits | 88.3944% | 5,606 |
| Total domestic deposits to total assets | 88.1490% | 1,593 |
| Equity capital to assets | 7.3061% | 7,424 |
| Core capital (leverage) ratio | 6.6427% | 7,611 |
| Tier 1 risk-based capital ratio | 8.4107% | 7,744 |
| Total risk-based capital ratio | 13.2403% | 4,922 |
| Memoranda: | ||
| Average total assets | $941,831,500 | 725 |
| Average earning assets | $874,106,500 | 706 |
| Average equity | $67,328,250 | 993 |
| Average total loans | $767,131,250 | 612 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8006% | 450 |
| Cost of funding earning assets | 1.3738% | 6,569 |
| Net interest margin | 5.4268% | 197 |
| Noninterest income to average assets | 0.8044% | 2,390 |
| Noninterest expense to average assets | 2.9794% | 4,161 |
| Loan and lease loss provision to assets | 4.2149% | 280 |
| Net operating income to assets | -0.8397% | 6,855 |
| Return on assets (ROA) | -0.8397% | 6,861 |
| Pretax return on assets | -1.3360% | 7,007 |
| Return on Equity (ROE) | -11.8230% | 7,162 |
| Retained earnings to average equity (ytd only) | -11.8230% | 7,043 |
| Net charge-offs to loans | 3.7105% | 401 |
| Credit loss provision to net charge-offs | 135.1396% | 3,445 |
| Earnings coverage of net charge-offs (x) | 0.9231% | 4,844 |
| Efficiency ratio | 50.8577% | 7,605 |
| Assets per employee ($millions) | 4.0974% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3254% | 440 |
| Loan loss allowance to noncurrent loans | 59.8843% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 4.5619% | 1,220 |
| Noncurrent loans to loans | 5.5530% | 1,042 |
| Net loans and leases to total assets | 71.8220% | 3,271 |
| Net loans and leases to deposits | 81.4403% | 4,308 |
| Net loans and leases to core deposits | 93.2997% | 5,201 |
| Total domestic deposits to total assets | 88.1897% | 1,678 |
| Equity capital to assets | 7.1216% | 7,540 |
| Core capital (leverage) ratio | 6.5434% | 7,776 |
| Tier 1 risk-based capital ratio | 7.9220% | 7,921 |
| Total risk-based capital ratio | 12.3698% | 5,669 |
| Memoranda: | ||
| Average total assets | $969,175,330 | 719 |
| Average earning assets | $902,602,670 | 701 |
| Average equity | $68,831,670 | 971 |
| Average total loans | $814,670,330 | 599 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5359% | 810 |
| Cost of funding earning assets | 1.4463% | 6,590 |
| Net interest margin | 5.0896% | 333 |
| Noninterest income to average assets | 0.7841% | 2,405 |
| Noninterest expense to average assets | 2.8083% | 4,520 |
| Loan and lease loss provision to assets | 3.4675% | 299 |
| Net operating income to assets | -0.4861% | 6,861 |
| Return on assets (ROA) | -0.4861% | 6,919 |
| Pretax return on assets | -0.7837% | 7,025 |
| Return on Equity (ROE) | -6.8532% | 7,133 |
| Retained earnings to average equity (ytd only) | -6.8532% | 6,778 |
| Net charge-offs to loans | 2.5463% | 543 |
| Credit loss provision to net charge-offs | 153.5548% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1.1885% | 4,155 |
| Efficiency ratio | 51.1331% | 7,498 |
| Assets per employee ($millions) | 4.0636% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4029% | 846 |
| Loan loss allowance to noncurrent loans | 97.5096% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 2.7056% | 2,101 |
| Noncurrent loans to loans | 2.4642% | 2,675 |
| Net loans and leases to total assets | 87.1527% | 327 |
| Net loans and leases to deposits | 98.0777% | 1,656 |
| Net loans and leases to core deposits | 112.4669% | 3,170 |
| Total domestic deposits to total assets | 88.8609% | 1,299 |
| Equity capital to assets | 7.1819% | 7,583 |
| Core capital (leverage) ratio | 6.6873% | 7,803 |
| Tier 1 risk-based capital ratio | 7.7072% | 8,036 |
| Total risk-based capital ratio | 11.8911% | 6,166 |
| Memoranda: | ||
| Average total assets | $986,654,500 | 703 |
| Average earning assets | $912,682,000 | 690 |
| Average equity | $69,982,000 | 963 |
| Average total loans | $874,979,000 | 571 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5921% | 2,524 |
| Cost of funding earning assets | 2.3911% | 4,754 |
| Net interest margin | 4.2011% | 2,309 |
| Noninterest income to average assets | 0.7410% | 2,835 |
| Noninterest expense to average assets | 2.7123% | 5,212 |
| Loan and lease loss provision to assets | 2.2137% | 521 |
| Net operating income to assets | -0.1586% | 6,571 |
| Return on assets (ROA) | -0.1586% | 6,414 |
| Pretax return on assets | -0.2533% | 6,416 |
| Return on Equity (ROE) | -2.3246% | 6,545 |
| Retained earnings to average equity (ytd only) | -2.3246% | 5,958 |
| Net charge-offs to loans | 1.4262% | 820 |
| Credit loss provision to net charge-offs | 180.5064% | 2,789 |
| Earnings coverage of net charge-offs (x) | 1.5985% | 5,295 |
| Efficiency ratio | 58.0464% | 6,688 |
| Assets per employee ($millions) | 4.2100% | 3,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0048% | 1,211 |
| Loan loss allowance to noncurrent loans | 98.6126% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 2.0962% | 2,346 |
| Noncurrent loans to loans | 2.0330% | 2,723 |
| Net loans and leases to total assets | 86.3223% | 568 |
| Net loans and leases to deposits | 96.9967% | 2,290 |
| Net loans and leases to core deposits | 110.8872% | 3,700 |
| Total domestic deposits to total assets | 88.9951% | 1,042 |
| Equity capital to assets | 7.0073% | 7,735 |
| Core capital (leverage) ratio | 6.7343% | 7,846 |
| Tier 1 risk-based capital ratio | 7.5346% | 8,130 |
| Total risk-based capital ratio | 11.5991% | 6,240 |
| Memoranda: | ||
| Average total assets | $1,046,589,600 | 633 |
| Average earning assets | $979,485,800 | 614 |
| Average equity | $71,410,200 | 928 |
| Average total loans | $899,970,600 | 541 |