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First National Bank of Monahans, Performance and Condition Ratios

2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6656%2,177
Cost of funding earning assets2.4911%4,253
Net interest margin4.1744%2,421
Noninterest income to average assets0.9397%1,817
Noninterest expense to average assets4.1056%1,271
Loan and lease loss provision to assets0.6328%2,294
Net operating income to assets-0.2150%6,636
Return on assets (ROA)-0.1775%6,443
Pretax return on assets-0.1775%6,354
Return on Equity (ROE)-1.4511%6,426
Retained earnings to average equity (ytd only)-6.9903%6,785
Net charge-offs to loans1.1981%1,009
Credit loss provision to net charge-offs77.3711%5,951
Earnings coverage of net charge-offs (x)0.5108%5,924
Efficiency ratio90.7642%1,457
Assets per employee ($millions)3.9425%3,633
Cash dividends to net income (ytd only)*-381.7102%8,245
Condition Ratios (%)
Loss allowance to loans1.3292%3,596
Loan loss allowance to noncurrent loans42.3376%5,903
Noncurrent assets plus other real estate owned to assets2.5518%1,898
Noncurrent loans to loans3.1395%1,682
Net loans and leases to total assets65.3822%4,972
Net loans and leases to deposits84.1679%4,403
Net loans and leases to core deposits121.6012%2,547
Total domestic deposits to total assets77.6807%5,807
Equity capital to assets21.3143%385
Core capital (leverage) ratio9.8351%3,606
Tier 1 risk-based capital ratio13.2611%3,961
Total risk-based capital ratio14.5145%3,867
Memoranda:
Average total assets$237,211,0002,679
Average earning assets$203,643,6002,861
Average equity$29,011,8002,332
Average total loans$161,918,2002,747