Home > First National Bank of the South > Performance and Condition Ratios
First National Bank of the South, 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 | 4.1116% | 7,273 |
| Cost of funding earning assets | 2.2371% | 415 |
| Net interest margin | 1.8744% | 7,680 |
| Noninterest income to average assets | 0.3325% | 5,501 |
| Noninterest expense to average assets | 2.9140% | 4,022 |
| Loan and lease loss provision to assets | 1.6921% | 747 |
| Net operating income to assets | -2.6420% | 7,448 |
| Return on assets (ROA) | -2.5705% | 7,444 |
| Pretax return on assets | -2.4607% | 7,359 |
| Return on Equity (ROE) | -121.7120% | 7,758 |
| Retained earnings to average equity (ytd only) | -121.7120% | 7,758 |
| Net charge-offs to loans | 4.3691% | 270 |
| Credit loss provision to net charge-offs | 51.5744% | 5,383 |
| Earnings coverage of net charge-offs (x) | -0.2561% | 5,907 |
| Efficiency ratio | 139.6650% | 255 |
| Assets per employee ($millions) | 5.1188% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2366% | 308 |
| Loan loss allowance to noncurrent loans | 19.5539% | 6,967 |
| Noncurrent assets plus other real estate owned to assets | 20.6949% | 49 |
| Noncurrent loans to loans | 21.6664% | 60 |
| Net loans and leases to total assets | 73.1933% | 2,112 |
| Net loans and leases to deposits | 82.2921% | 3,222 |
| Net loans and leases to core deposits | 106.1639% | 1,426 |
| Total domestic deposits to total assets | 88.9432% | 1,471 |
| Equity capital to assets | 1.8157% | 7,795 |
| Core capital (leverage) ratio | 1.6546% | 7,788 |
| Tier 1 risk-based capital ratio | 2.2522% | 7,793 |
| Total risk-based capital ratio | 3.5398% | 7,792 |
| Memoranda: | ||
| Average total assets | $673,724,000 | 1,000 |
| Average earning assets | $625,890,670 | 980 |
| Average equity | $14,228,670 | 4,152 |
| Average total loans | $505,913,670 | 897 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0155% | 7,446 |
| Cost of funding earning assets | 2.3234% | 399 |
| Net interest margin | 1.6921% | 7,800 |
| Noninterest income to average assets | 0.3316% | 5,489 |
| Noninterest expense to average assets | 2.8261% | 4,387 |
| Loan and lease loss provision to assets | 2.1116% | 522 |
| Net operating income to assets | -3.2324% | 7,659 |
| Return on assets (ROA) | -3.1474% | 7,649 |
| Pretax return on assets | -2.9362% | 7,587 |
| Return on Equity (ROE) | -140.3308% | 7,863 |
| Retained earnings to average equity (ytd only) | -140.3308% | 7,860 |
| Net charge-offs to loans | 4.4414% | 289 |
| Credit loss provision to net charge-offs | 63.8151% | 4,230 |
| Earnings coverage of net charge-offs (x) | -0.2749% | 5,196 |
| Efficiency ratio | 146.5753% | 223 |
| Assets per employee ($millions) | 5.0518% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5960% | 242 |
| Loan loss allowance to noncurrent loans | 19.1163% | 7,055 |
| Noncurrent assets plus other real estate owned to assets | 20.4790% | 52 |
| Noncurrent loans to loans | 24.0421% | 42 |
| Net loans and leases to total assets | 70.9503% | 2,709 |
| Net loans and leases to deposits | 79.3053% | 3,780 |
| Net loans and leases to core deposits | 111.6115% | 1,188 |
| Total domestic deposits to total assets | 89.4648% | 1,259 |
| Equity capital to assets | 2.0264% | 7,886 |
| Core capital (leverage) ratio | 1.9173% | 7,884 |
| Tier 1 risk-based capital ratio | 2.7639% | 7,882 |
| Total risk-based capital ratio | 4.0566% | 7,883 |
| Memoranda: | ||
| Average total assets | $700,899,000 | 980 |
| Average earning assets | $656,450,500 | 958 |
| Average equity | $15,720,000 | 3,882 |
| Average total loans | $522,172,500 | 896 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 7,471 |
| Cost of funding earning assets | 2.5707% | 848 |
| Net interest margin | 1.8376% | 7,796 |
| Noninterest income to average assets | 0.4505% | 4,805 |
| Noninterest expense to average assets | 2.9470% | 4,354 |
| Loan and lease loss provision to assets | 4.9782% | 198 |
| Net operating income to assets | -5.5385% | 7,800 |
| Return on assets (ROA) | -5.3269% | 7,776 |
| Pretax return on assets | -5.5366% | 7,764 |
| Return on Equity (ROE) | -102.3192% | 7,936 |
| Retained earnings to average equity (ytd only) | -102.3192% | 7,936 |
| Net charge-offs to loans | 5.9625% | 174 |
| Credit loss provision to net charge-offs | 106.3610% | 5,210 |
| Earnings coverage of net charge-offs (x) | -0.1664% | 6,405 |
| Efficiency ratio | 135.1295% | 424 |
| Assets per employee ($millions) | 5.4947% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7299% | 205 |
| Loan loss allowance to noncurrent loans | 19.8463% | 7,070 |
| Noncurrent assets plus other real estate owned to assets | 19.0793% | 65 |
| Noncurrent loans to loans | 23.8326% | 41 |
| Net loans and leases to total assets | 71.0959% | 2,971 |
| Net loans and leases to deposits | 79.5774% | 4,075 |
| Net loans and leases to core deposits | 105.6477% | 3,378 |
| Total domestic deposits to total assets | 89.3417% | 1,304 |
| Equity capital to assets | 2.4479% | 7,941 |
| Core capital (leverage) ratio | 2.3716% | 7,939 |
| Tier 1 risk-based capital ratio | 3.4255% | 7,932 |
| Total risk-based capital ratio | 4.7197% | 7,933 |
| Memoranda: | ||
| Average total assets | $797,724,400 | 861 |
| Average earning assets | $745,634,600 | 835 |
| Average equity | $41,530,800 | 1,610 |
| Average total loans | $626,201,200 | 746 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 7,593 |
| Cost of funding earning assets | 2.6042% | 1,022 |
| Net interest margin | 1.8110% | 7,880 |
| Noninterest income to average assets | 0.5120% | 4,389 |
| Noninterest expense to average assets | 2.9539% | 4,230 |
| Loan and lease loss provision to assets | 4.7891% | 192 |
| Net operating income to assets | -5.5618% | 7,894 |
| Return on assets (ROA) | -5.4467% | 7,879 |
| Pretax return on assets | -5.4258% | 7,858 |
| Return on Equity (ROE) | -93.6904% | 8,001 |
| Retained earnings to average equity (ytd only) | -93.6904% | 8,000 |
| Net charge-offs to loans | 5.7595% | 161 |
| Credit loss provision to net charge-offs | 104.7872% | 4,850 |
| Earnings coverage of net charge-offs (x) | -0.1645% | 6,254 |
| Efficiency ratio | 133.3778% | 435 |
| Assets per employee ($millions) | 5.4237% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2586% | 247 |
| Loan loss allowance to noncurrent loans | 21.0382% | 7,037 |
| Noncurrent assets plus other real estate owned to assets | 15.7322% | 104 |
| Noncurrent loans to loans | 20.2422% | 62 |
| Net loans and leases to total assets | 69.6776% | 3,585 |
| Net loans and leases to deposits | 80.4886% | 4,299 |
| Net loans and leases to core deposits | 105.7112% | 3,737 |
| Total domestic deposits to total assets | 86.5684% | 2,395 |
| Equity capital to assets | 3.6324% | 8,012 |
| Core capital (leverage) ratio | 3.3037% | 8,019 |
| Tier 1 risk-based capital ratio | 4.7870% | 8,010 |
| Total risk-based capital ratio | 6.0749% | 8,012 |
| Memoranda: | ||
| Average total assets | $817,203,750 | 846 |
| Average earning assets | $762,658,250 | 819 |
| Average equity | $47,508,500 | 1,441 |
| Average total loans | $648,461,500 | 741 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6788% | 7,417 |
| Cost of funding earning assets | 2.6450% | 1,172 |
| Net interest margin | 2.0338% | 7,844 |
| Noninterest income to average assets | 0.6089% | 3,617 |
| Noninterest expense to average assets | 2.7545% | 5,159 |
| Loan and lease loss provision to assets | 4.8817% | 221 |
| Net operating income to assets | -5.1703% | 7,946 |
| Return on assets (ROA) | -5.0569% | 7,934 |
| Pretax return on assets | -5.0260% | 7,863 |
| Return on Equity (ROE) | -77.7447% | 8,034 |
| Retained earnings to average equity (ytd only) | -77.7447% | 8,033 |
| Net charge-offs to loans | 5.8460% | 192 |
| Credit loss provision to net charge-offs | 102.5437% | 4,462 |
| Earnings coverage of net charge-offs (x) | -0.0541% | 5,750 |
| Efficiency ratio | 109.6515% | 859 |
| Assets per employee ($millions) | 5.6465% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7587% | 309 |
| Loan loss allowance to noncurrent loans | 22.0156% | 7,014 |
| Noncurrent assets plus other real estate owned to assets | 13.9483% | 123 |
| Noncurrent loans to loans | 17.0728% | 93 |
| Net loans and leases to total assets | 72.1077% | 3,196 |
| Net loans and leases to deposits | 83.1365% | 4,021 |
| Net loans and leases to core deposits | 105.4637% | 3,905 |
| Total domestic deposits to total assets | 86.7341% | 2,384 |
| Equity capital to assets | 4.7808% | 8,052 |
| Core capital (leverage) ratio | 4.4245% | 8,063 |
| Tier 1 risk-based capital ratio | 6.2527% | 8,045 |
| Total risk-based capital ratio | 7.5342% | 8,050 |
| Memoranda: | ||
| Average total assets | $827,457,330 | 846 |
| Average earning assets | $768,105,000 | 835 |
| Average equity | $53,822,330 | 1,252 |
| Average total loans | $673,832,330 | 733 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0048% | 6,919 |
| Cost of funding earning assets | 2.6659% | 1,358 |
| Net interest margin | 2.3389% | 7,677 |
| Noninterest income to average assets | 0.7637% | 2,515 |
| Noninterest expense to average assets | 2.3815% | 6,258 |
| Loan and lease loss provision to assets | 1.0455% | 1,248 |
| Net operating income to assets | -0.5810% | 6,952 |
| Return on assets (ROA) | -0.5810% | 6,997 |
| Pretax return on assets | -0.5193% | 6,833 |
| Return on Equity (ROE) | -7.8739% | 7,233 |
| Retained earnings to average equity (ytd only) | -7.8739% | 6,904 |
| Net charge-offs to loans | 1.6001% | 906 |
| Credit loss provision to net charge-offs | 77.1050% | 4,238 |
| Earnings coverage of net charge-offs (x) | 0.3880% | 4,673 |
| Efficiency ratio | 81.2364% | 2,650 |
| Assets per employee ($millions) | 5.3356% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2640% | 389 |
| Loan loss allowance to noncurrent loans | 32.4241% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 9.0686% | 274 |
| Noncurrent loans to loans | 10.0667% | 284 |
| Net loans and leases to total assets | 79.7370% | 1,439 |
| Net loans and leases to deposits | 94.7459% | 2,143 |
| Net loans and leases to core deposits | 122.7474% | 2,190 |
| Total domestic deposits to total assets | 84.1588% | 3,629 |
| Equity capital to assets | 7.2370% | 7,536 |
| Core capital (leverage) ratio | 7.2257% | 7,456 |
| Tier 1 risk-based capital ratio | 8.5665% | 7,931 |
| Total risk-based capital ratio | 9.8415% | 7,972 |
| Memoranda: | ||
| Average total assets | $823,346,500 | 854 |
| Average earning assets | $754,721,500 | 847 |
| Average equity | $60,757,500 | 1,130 |
| Average total loans | $697,687,000 | 707 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1913% | 4,561 |
| Cost of funding earning assets | 3.3471% | 817 |
| Net interest margin | 2.8441% | 7,263 |
| Noninterest income to average assets | 0.6320% | 3,618 |
| Noninterest expense to average assets | 6.4695% | 337 |
| Loan and lease loss provision to assets | 2.5757% | 400 |
| Net operating income to assets | -5.5468% | 8,125 |
| Return on assets (ROA) | -5.5468% | 8,115 |
| Pretax return on assets | -5.7901% | 8,086 |
| Return on Equity (ROE) | -51.7988% | 8,164 |
| Retained earnings to average equity (ytd only) | -51.7988% | 8,149 |
| Net charge-offs to loans | 0.7983% | 1,561 |
| Credit loss provision to net charge-offs | 382.2156% | 1,152 |
| Earnings coverage of net charge-offs (x) | -4.7700% | 6,830 |
| Efficiency ratio | 87.0635% | 1,760 |
| Assets per employee ($millions) | 5.1869% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2473% | 350 |
| Loan loss allowance to noncurrent loans | 33.3560% | 6,500 |
| Noncurrent assets plus other real estate owned to assets | 9.2789% | 203 |
| Noncurrent loans to loans | 9.7354% | 222 |
| Net loans and leases to total assets | 84.2712% | 846 |
| Net loans and leases to deposits | 105.4852% | 1,168 |
| Net loans and leases to core deposits | 130.0068% | 1,854 |
| Total domestic deposits to total assets | 79.8891% | 5,066 |
| Equity capital to assets | 7.5249% | 7,359 |
| Core capital (leverage) ratio | 7.2276% | 7,493 |
| Tier 1 risk-based capital ratio | 8.4764% | 7,996 |
| Total risk-based capital ratio | 9.7513% | 8,046 |
| Memoranda: | ||
| Average total assets | $794,352,200 | 851 |
| Average earning assets | $732,629,400 | 834 |
| Average equity | $85,061,800 | 781 |
| Average total loans | $670,568,600 | 709 |