Home > First National Bank of Olney > Performance and Condition Ratios
First National Bank of Olney, 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 | 5.2352% | 3,660 |
| Cost of funding earning assets | 0.5093% | 7,432 |
| Net interest margin | 4.7258% | 794 |
| Noninterest income to average assets | 0.5846% | 3,546 |
| Noninterest expense to average assets | 2.2738% | 6,400 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.7888% | 99 |
| Return on assets (ROA) | 2.7888% | 103 |
| Pretax return on assets | 2.7888% | 160 |
| Return on Equity (ROE) | 26.3696% | 90 |
| Retained earnings to average equity (ytd only) | 6.3747% | 2,158 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9140% | 7,429 |
| Assets per employee ($millions) | 3.7725% | 4,336 |
| Cash dividends to net income (ytd only)* | 75.8255% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 6,464 |
| Loan loss allowance to noncurrent loans | 32.4080% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 3.8853% | 1,819 |
| Noncurrent loans to loans | 3.0383% | 2,627 |
| Net loans and leases to total assets | 88.9160% | 84 |
| Net loans and leases to deposits | 99.9489% | 664 |
| Net loans and leases to core deposits | 105.0065% | 1,400 |
| Total domestic deposits to total assets | 88.9615% | 1,408 |
| Equity capital to assets | 10.9041% | 3,047 |
| Core capital (leverage) ratio | 10.7848% | 2,426 |
| Tier 1 risk-based capital ratio | 12.7745% | 4,752 |
| Total risk-based capital ratio | 13.8104% | 4,906 |
| Memoranda: | ||
| Average total assets | $53,594,000 | 6,488 |
| Average earning assets | $50,783,500 | 6,413 |
| Average equity | $5,668,000 | 6,548 |
| Average total loans | $48,383,250 | 5,627 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3738% | 3,085 |
| Cost of funding earning assets | 0.5067% | 7,537 |
| Net interest margin | 4.8671% | 578 |
| Noninterest income to average assets | 0.5496% | 3,721 |
| Noninterest expense to average assets | 2.2468% | 6,519 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.9042% | 92 |
| Return on assets (ROA) | 2.9042% | 93 |
| Pretax return on assets | 2.9042% | 140 |
| Return on Equity (ROE) | 27.7420% | 77 |
| Retained earnings to average equity (ytd only) | 1.1352% | 5,303 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6193% | 7,535 |
| Assets per employee ($millions) | 3.8558% | 4,081 |
| Cash dividends to net income (ytd only)* | 95.9079% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 6,346 |
| Loan loss allowance to noncurrent loans | 65.4062% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 2.4546% | 2,930 |
| Noncurrent loans to loans | 1.5480% | 4,389 |
| Net loans and leases to total assets | 84.5816% | 314 |
| Net loans and leases to deposits | 94.3211% | 1,235 |
| Net loans and leases to core deposits | 97.2523% | 2,303 |
| Total domestic deposits to total assets | 89.6741% | 1,084 |
| Equity capital to assets | 10.2258% | 3,737 |
| Core capital (leverage) ratio | 10.4690% | 2,651 |
| Tier 1 risk-based capital ratio | 12.4622% | 4,897 |
| Total risk-based capital ratio | 13.5165% | 5,038 |
| Memoranda: | ||
| Average total assets | $53,853,670 | 6,524 |
| Average earning assets | $50,913,330 | 6,449 |
| Average equity | $5,637,670 | 6,577 |
| Average total loans | $48,701,670 | 5,653 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6267% | 2,047 |
| Cost of funding earning assets | 0.5122% | 7,659 |
| Net interest margin | 5.1145% | 338 |
| Noninterest income to average assets | 0.5280% | 3,827 |
| Noninterest expense to average assets | 2.2532% | 6,532 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 3.1009% | 88 |
| Return on assets (ROA) | 3.1009% | 93 |
| Pretax return on assets | 3.1009% | 128 |
| Return on Equity (ROE) | 29.2811% | 96 |
| Retained earnings to average equity (ytd only) | 29.2811% | 73 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0833% | 7,677 |
| Assets per employee ($millions) | 3.7475% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 6,702 |
| Loan loss allowance to noncurrent loans | 64.6814% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 2.6055% | 2,801 |
| Noncurrent loans to loans | 1.4561% | 4,561 |
| Net loans and leases to total assets | 93.6167% | 20 |
| Net loans and leases to deposits | 105.5963% | 442 |
| Net loans and leases to core deposits | 113.5446% | 1,062 |
| Total domestic deposits to total assets | 88.6553% | 1,700 |
| Equity capital to assets | 11.2551% | 2,536 |
| Core capital (leverage) ratio | 10.9873% | 2,238 |
| Tier 1 risk-based capital ratio | 12.2460% | 4,943 |
| Total risk-based capital ratio | 13.2144% | 5,192 |
| Memoranda: | ||
| Average total assets | $53,790,000 | 6,614 |
| Average earning assets | $50,758,000 | 6,516 |
| Average equity | $5,696,500 | 6,623 |
| Average total loans | $49,990,000 | 5,665 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6445% | 3,378 |
| Cost of funding earning assets | 0.6762% | 7,714 |
| Net interest margin | 4.9683% | 481 |
| Noninterest income to average assets | 0.5474% | 4,049 |
| Noninterest expense to average assets | 2.1783% | 7,039 |
| Loan and lease loss provision to assets | 0.1812% | 5,885 |
| Net operating income to assets | 2.8826% | 59 |
| Return on assets (ROA) | 2.8826% | 66 |
| Pretax return on assets | 2.8826% | 106 |
| Return on Equity (ROE) | 27.3039% | 69 |
| Retained earnings to average equity (ytd only) | 1.2033% | 4,199 |
| Net charge-offs to loans | 0.3162% | 4,663 |
| Credit loss provision to net charge-offs | 60.6250% | 6,631 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 1,701 |
| Efficiency ratio | 41.5538% | 7,837 |
| Assets per employee ($millions) | 4.2396% | 3,360 |
| Cash dividends to net income (ytd only)* | 95.5930% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 6,719 |
| Loan loss allowance to noncurrent loans | 149.6795% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 1.7618% | 3,733 |
| Noncurrent loans to loans | 0.6191% | 6,007 |
| Net loans and leases to total assets | 90.5924% | 69 |
| Net loans and leases to deposits | 100.6795% | 847 |
| Net loans and leases to core deposits | 127.2945% | 1,427 |
| Total domestic deposits to total assets | 89.9809% | 972 |
| Equity capital to assets | 9.9574% | 3,818 |
| Core capital (leverage) ratio | 10.1178% | 2,982 |
| Tier 1 risk-based capital ratio | 11.2533% | 5,659 |
| Total risk-based capital ratio | 12.2109% | 5,923 |
| Memoranda: | ||
| Average total assets | $53,528,400 | 6,577 |
| Average earning assets | $50,580,400 | 6,515 |
| Average equity | $5,651,200 | 6,723 |
| Average total loans | $50,608,600 | 5,641 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6100% | 3,809 |
| Cost of funding earning assets | 0.7275% | 7,781 |
| Net interest margin | 4.8826% | 577 |
| Noninterest income to average assets | 0.5671% | 3,949 |
| Noninterest expense to average assets | 2.1757% | 7,034 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 3.0063% | 63 |
| Return on assets (ROA) | 3.0063% | 67 |
| Pretax return on assets | 3.0063% | 105 |
| Return on Equity (ROE) | 28.0620% | 77 |
| Retained earnings to average equity (ytd only) | 14.0076% | 194 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9855% | 7,886 |
| Assets per employee ($millions) | 4.5590% | 2,764 |
| Cash dividends to net income (ytd only)* | 50.0836% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 6,161 |
| Loan loss allowance to noncurrent loans | 138.0208% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 1.9211% | 3,466 |
| Noncurrent loans to loans | 0.7396% | 5,836 |
| Net loans and leases to total assets | 93.9406% | 23 |
| Net loans and leases to deposits | 122.7383% | 160 |
| Net loans and leases to core deposits | 149.2247% | 595 |
| Total domestic deposits to total assets | 76.5373% | 6,460 |
| Equity capital to assets | 11.0002% | 3,002 |
| Core capital (leverage) ratio | 11.3854% | 2,131 |
| Tier 1 risk-based capital ratio | 11.9211% | 5,047 |
| Total risk-based capital ratio | 12.9710% | 5,168 |
| Memoranda: | ||
| Average total assets | $53,131,750 | 6,634 |
| Average earning assets | $50,218,250 | 6,571 |
| Average equity | $5,692,000 | 6,782 |
| Average total loans | $50,661,500 | 5,683 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6647% | 3,739 |
| Cost of funding earning assets | 0.7949% | 7,824 |
| Net interest margin | 4.8698% | 576 |
| Noninterest income to average assets | 0.5247% | 4,229 |
| Noninterest expense to average assets | 2.1860% | 7,094 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.9502% | 63 |
| Return on assets (ROA) | 2.9502% | 72 |
| Pretax return on assets | 2.9502% | 108 |
| Return on Equity (ROE) | 27.7970% | 95 |
| Retained earnings to average equity (ytd only) | 6.3045% | 1,880 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5611% | 7,965 |
| Assets per employee ($millions) | 3.8356% | 4,012 |
| Cash dividends to net income (ytd only)* | 77.3196% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 5,379 |
| Loan loss allowance to noncurrent loans | 135.2041% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 2.3344% | 2,786 |
| Noncurrent loans to loans | 0.8369% | 5,550 |
| Net loans and leases to total assets | 92.8745% | 41 |
| Net loans and leases to deposits | 104.7572% | 849 |
| Net loans and leases to core deposits | 135.1919% | 1,254 |
| Total domestic deposits to total assets | 88.6569% | 1,455 |
| Equity capital to assets | 11.2228% | 2,737 |
| Core capital (leverage) ratio | 11.1374% | 2,306 |
| Tier 1 risk-based capital ratio | 12.3388% | 4,648 |
| Total risk-based capital ratio | 13.5074% | 4,632 |
| Memoranda: | ||
| Average total assets | $52,606,330 | 6,720 |
| Average earning assets | $49,817,000 | 6,636 |
| Average equity | $5,583,330 | 6,866 |
| Average total loans | $50,241,000 | 5,756 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6858% | 3,875 |
| Cost of funding earning assets | 0.8765% | 7,837 |
| Net interest margin | 4.8093% | 597 |
| Noninterest income to average assets | 0.5336% | 4,035 |
| Noninterest expense to average assets | 2.0601% | 7,214 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 3.0679% | 61 |
| Return on assets (ROA) | 3.0679% | 75 |
| Pretax return on assets | 3.0679% | 120 |
| Return on Equity (ROE) | 29.6934% | 104 |
| Retained earnings to average equity (ytd only) | 22.5211% | 123 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1734% | 8,048 |
| Assets per employee ($millions) | 3.9829% | 3,696 |
| Cash dividends to net income (ytd only)* | 24.1546% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 5,688 |
| Loan loss allowance to noncurrent loans | 45.8874% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 2.2307% | 2,570 |
| Noncurrent loans to loans | 2.3326% | 2,820 |
| Net loans and leases to total assets | 94.6077% | 19 |
| Net loans and leases to deposits | 106.5260% | 825 |
| Net loans and leases to core deposits | 139.1015% | 1,146 |
| Total domestic deposits to total assets | 88.8119% | 1,331 |
| Equity capital to assets | 11.0742% | 2,902 |
| Core capital (leverage) ratio | 10.4861% | 2,946 |
| Tier 1 risk-based capital ratio | 12.1826% | 4,801 |
| Total risk-based capital ratio | 13.3087% | 4,807 |
| Memoranda: | ||
| Average total assets | $53,978,000 | 6,709 |
| Average earning assets | $51,567,000 | 6,592 |
| Average equity | $5,577,000 | 6,922 |
| Average total loans | $51,941,500 | 5,722 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2981% | 3,972 |
| Cost of funding earning assets | 1.5280% | 7,566 |
| Net interest margin | 4.7701% | 834 |
| Noninterest income to average assets | 0.5342% | 4,368 |
| Noninterest expense to average assets | 1.8512% | 7,689 |
| Loan and lease loss provision to assets | 0.5212% | 2,729 |
| Net operating income to assets | 2.6638% | 93 |
| Return on assets (ROA) | 2.6638% | 94 |
| Pretax return on assets | 2.6638% | 142 |
| Return on Equity (ROE) | 26.8722% | 99 |
| Retained earnings to average equity (ytd only) | 4.2588% | 2,474 |
| Net charge-offs to loans | 0.0143% | 6,693 |
| Credit loss provision to net charge-offs | 3,985.7143% | 131 |
| Earnings coverage of net charge-offs (x) | 243.5714% | 201 |
| Efficiency ratio | 36.7582% | 8,181 |
| Assets per employee ($millions) | 4.0127% | 3,486 |
| Cash dividends to net income (ytd only)* | 84.1515% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 6,239 |
| Loan loss allowance to noncurrent loans | 85.4839% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.1036% | 4,073 |
| Noncurrent loans to loans | 1.1404% | 4,264 |
| Net loans and leases to total assets | 95.8329% | 12 |
| Net loans and leases to deposits | 106.1748% | 1,108 |
| Net loans and leases to core deposits | 143.8146% | 1,098 |
| Total domestic deposits to total assets | 90.2595% | 561 |
| Equity capital to assets | 9.6479% | 4,490 |
| Core capital (leverage) ratio | 9.7225% | 3,743 |
| Tier 1 risk-based capital ratio | 10.1997% | 6,517 |
| Total risk-based capital ratio | 11.1970% | 6,689 |
| Memoranda: | ||
| Average total assets | $53,533,000 | 6,638 |
| Average earning assets | $50,523,200 | 6,572 |
| Average equity | $5,306,600 | 7,040 |
| Average total loans | $48,874,600 | 5,744 |