Home > First National Bank & Trust Co. of Leavenworth > Performance and Condition Ratios
First National Bank & Trust Co. of Leavenworth, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9022% | 3,583 |
| Cost of funding earning assets | 0.8658% | 5,165 |
| Net interest margin | 4.0363% | 2,535 |
| Noninterest income to average assets | 0.9482% | 1,482 |
| Noninterest expense to average assets | 3.4767% | 2,071 |
| Loan and lease loss provision to assets | 0.0593% | 5,258 |
| Net operating income to assets | 0.7586% | 3,230 |
| Return on assets (ROA) | 0.7586% | 3,291 |
| Pretax return on assets | 1.1141% | 2,706 |
| Return on Equity (ROE) | 7.5565% | 3,127 |
| Retained earnings to average equity (ytd only) | -0.3149% | 5,848 |
| Net charge-offs to loans | -0.0493% | 6,879 |
| Credit loss provision to net charge-offs | -166.6667% | 5,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7664% | 3,373 |
| Assets per employee ($millions) | 2.4717% | 7,024 |
| Cash dividends to net income (ytd only)* | 104.1667% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 4,217 |
| Loan loss allowance to noncurrent loans | 416.3498% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 6,532 |
| Noncurrent loans to loans | 0.3600% | 6,271 |
| Net loans and leases to total assets | 71.0023% | 1,924 |
| Net loans and leases to deposits | 83.9347% | 2,045 |
| Net loans and leases to core deposits | 85.7226% | 2,917 |
| Total domestic deposits to total assets | 84.5923% | 4,228 |
| Equity capital to assets | 10.0267% | 3,745 |
| Core capital (leverage) ratio | 9.8908% | 3,280 |
| Tier 1 risk-based capital ratio | 13.1591% | 4,701 |
| Total risk-based capital ratio | 14.4109% | 4,676 |
| Memoranda: | ||
| Average total assets | $101,244,000 | 4,969 |
| Average earning assets | $92,857,000 | 4,946 |
| Average equity | $10,163,500 | 4,997 |
| Average total loans | $72,956,500 | 4,516 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5326% | 2,149 |
| Cost of funding earning assets | 1.1345% | 4,938 |
| Net interest margin | 4.3981% | 1,480 |
| Noninterest income to average assets | 1.0601% | 1,333 |
| Noninterest expense to average assets | 3.5629% | 2,025 |
| Loan and lease loss provision to assets | 0.0675% | 6,469 |
| Net operating income to assets | 0.9495% | 2,204 |
| Return on assets (ROA) | 0.9495% | 2,331 |
| Pretax return on assets | 1.4555% | 1,496 |
| Return on Equity (ROE) | 9.4662% | 2,124 |
| Retained earnings to average equity (ytd only) | 0.6831% | 5,225 |
| Net charge-offs to loans | -0.0175% | 7,356 |
| Credit loss provision to net charge-offs | -530.7692% | 7,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0539% | 4,172 |
| Assets per employee ($millions) | 2.4083% | 7,124 |
| Cash dividends to net income (ytd only)* | 92.7835% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 4,186 |
| Loan loss allowance to noncurrent loans | 385.2518% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 6,566 |
| Noncurrent loans to loans | 0.3815% | 6,278 |
| Net loans and leases to total assets | 70.9785% | 2,310 |
| Net loans and leases to deposits | 83.9902% | 2,450 |
| Net loans and leases to core deposits | 85.7805% | 3,351 |
| Total domestic deposits to total assets | 84.5080% | 4,104 |
| Equity capital to assets | 10.0505% | 3,688 |
| Core capital (leverage) ratio | 9.8588% | 3,255 |
| Tier 1 risk-based capital ratio | 13.1540% | 4,484 |
| Total risk-based capital ratio | 14.4057% | 4,440 |
| Memoranda: | ||
| Average total assets | $102,164,000 | 4,922 |
| Average earning assets | $93,518,200 | 4,903 |
| Average equity | $10,247,000 | 5,061 |
| Average total loans | $74,494,800 | 4,507 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5854% | 2,121 |
| Cost of funding earning assets | 1.2011% | 4,863 |
| Net interest margin | 4.3844% | 1,576 |
| Noninterest income to average assets | 1.0831% | 1,218 |
| Noninterest expense to average assets | 3.4082% | 2,271 |
| Loan and lease loss provision to assets | 0.0703% | 6,361 |
| Net operating income to assets | 1.0623% | 2,030 |
| Return on assets (ROA) | 1.0623% | 2,140 |
| Pretax return on assets | 1.6156% | 1,308 |
| Return on Equity (ROE) | 10.5965% | 1,908 |
| Retained earnings to average equity (ytd only) | 2.8049% | 4,469 |
| Net charge-offs to loans | -0.1228% | 7,575 |
| Credit loss provision to net charge-offs | -78.2609% | 6,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9052% | 4,676 |
| Assets per employee ($millions) | 2.4475% | 7,137 |
| Cash dividends to net income (ytd only)* | 73.5296% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 3,930 |
| Loan loss allowance to noncurrent loans | 302.9973% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 6,489 |
| Noncurrent loans to loans | 0.4967% | 6,210 |
| Net loans and leases to total assets | 72.5239% | 2,123 |
| Net loans and leases to deposits | 88.0055% | 2,010 |
| Net loans and leases to core deposits | 90.2146% | 3,064 |
| Total domestic deposits to total assets | 82.4084% | 4,837 |
| Equity capital to assets | 10.3489% | 3,702 |
| Core capital (leverage) ratio | 10.0745% | 3,173 |
| Tier 1 risk-based capital ratio | 13.1127% | 4,492 |
| Total risk-based capital ratio | 14.3645% | 4,462 |
| Memoranda: | ||
| Average total assets | $102,417,750 | 4,975 |
| Average earning assets | $93,693,750 | 4,959 |
| Average equity | $10,267,250 | 5,119 |
| Average total loans | $74,902,250 | 4,568 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5868% | 2,184 |
| Cost of funding earning assets | 1.2566% | 4,787 |
| Net interest margin | 4.3302% | 1,670 |
| Noninterest income to average assets | 1.1153% | 1,052 |
| Noninterest expense to average assets | 3.4003% | 2,262 |
| Loan and lease loss provision to assets | 0.0756% | 6,186 |
| Net operating income to assets | 1.0552% | 1,999 |
| Return on assets (ROA) | 1.0552% | 2,068 |
| Pretax return on assets | 1.5964% | 1,318 |
| Return on Equity (ROE) | 10.6375% | 1,878 |
| Retained earnings to average equity (ytd only) | 2.8158% | 4,347 |
| Net charge-offs to loans | -0.2419% | 7,665 |
| Credit loss provision to net charge-offs | -42.8571% | 6,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0363% | 4,757 |
| Assets per employee ($millions) | 2.3177% | 7,333 |
| Cash dividends to net income (ytd only)* | 73.5294% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5157% | 3,838 |
| Loan loss allowance to noncurrent loans | 111,900.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 7,433 |
| Noncurrent loans to loans | 0.0014% | 7,344 |
| Net loans and leases to total assets | 72.9536% | 2,179 |
| Net loans and leases to deposits | 87.9591% | 2,172 |
| Net loans and leases to core deposits | 90.1669% | 3,230 |
| Total domestic deposits to total assets | 82.9403% | 4,599 |
| Equity capital to assets | 10.3239% | 3,621 |
| Core capital (leverage) ratio | 9.8833% | 3,298 |
| Tier 1 risk-based capital ratio | 13.1584% | 4,317 |
| Total risk-based capital ratio | 14.4105% | 4,274 |
| Memoranda: | ||
| Average total assets | $103,107,330 | 4,987 |
| Average earning assets | $94,221,670 | 4,984 |
| Average equity | $10,228,000 | 5,138 |
| Average total loans | $75,240,000 | 4,594 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5326% | 2,442 |
| Cost of funding earning assets | 1.3246% | 4,655 |
| Net interest margin | 4.2080% | 2,010 |
| Noninterest income to average assets | 0.8967% | 1,641 |
| Noninterest expense to average assets | 3.3006% | 2,531 |
| Loan and lease loss provision to assets | 0.0916% | 5,720 |
| Net operating income to assets | 0.9081% | 2,512 |
| Return on assets (ROA) | 0.9081% | 2,578 |
| Pretax return on assets | 1.3469% | 1,916 |
| Return on Equity (ROE) | 9.3356% | 2,361 |
| Retained earnings to average equity (ytd only) | 1.4906% | 5,201 |
| Net charge-offs to loans | -0.2265% | 7,694 |
| Credit loss provision to net charge-offs | -55.8140% | 6,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6457% | 4,386 |
| Assets per employee ($millions) | 2.5222% | 7,169 |
| Cash dividends to net income (ytd only)* | 84.0336% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 4,380 |
| Loan loss allowance to noncurrent loans | 9,600.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 7,472 |
| Noncurrent loans to loans | 0.0147% | 7,384 |
| Net loans and leases to total assets | 71.4556% | 2,577 |
| Net loans and leases to deposits | 85.8163% | 2,622 |
| Net loans and leases to core deposits | 89.0170% | 3,493 |
| Total domestic deposits to total assets | 83.2658% | 4,492 |
| Equity capital to assets | 9.8713% | 4,031 |
| Core capital (leverage) ratio | 9.5515% | 3,698 |
| Tier 1 risk-based capital ratio | 12.9946% | 4,338 |
| Total risk-based capital ratio | 14.2454% | 4,309 |
| Memoranda: | ||
| Average total assets | $104,830,000 | 5,014 |
| Average earning assets | $95,723,500 | 4,999 |
| Average equity | $10,197,500 | 5,179 |
| Average total loans | $75,947,000 | 4,638 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0434% | 1,701 |
| Cost of funding earning assets | 1.7305% | 4,356 |
| Net interest margin | 4.3129% | 1,680 |
| Noninterest income to average assets | 0.9101% | 1,907 |
| Noninterest expense to average assets | 3.6057% | 2,124 |
| Loan and lease loss provision to assets | 0.1253% | 6,387 |
| Net operating income to assets | 0.8115% | 2,489 |
| Return on assets (ROA) | 0.8122% | 2,569 |
| Pretax return on assets | 1.1344% | 2,142 |
| Return on Equity (ROE) | 8.4153% | 2,232 |
| Retained earnings to average equity (ytd only) | 0.6053% | 4,564 |
| Net charge-offs to loans | 0.3685% | 4,377 |
| Credit loss provision to net charge-offs | 45.8621% | 6,788 |
| Earnings coverage of net charge-offs (x) | 4.6069% | 2,887 |
| Efficiency ratio | 74.1236% | 3,870 |
| Assets per employee ($millions) | 2.5297% | 7,150 |
| Cash dividends to net income (ytd only)* | 92.8074% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 4,842 |
| Loan loss allowance to noncurrent loans | 5,494.4444% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 7,484 |
| Noncurrent loans to loans | 0.0234% | 7,381 |
| Net loans and leases to total assets | 71.4887% | 2,888 |
| Net loans and leases to deposits | 85.3467% | 3,018 |
| Net loans and leases to core deposits | 96.7864% | 4,376 |
| Total domestic deposits to total assets | 83.7627% | 4,149 |
| Equity capital to assets | 9.5879% | 4,285 |
| Core capital (leverage) ratio | 9.4085% | 3,822 |
| Tier 1 risk-based capital ratio | 12.6422% | 4,406 |
| Total risk-based capital ratio | 13.8917% | 4,344 |
| Memoranda: | ||
| Average total assets | $106,137,800 | 4,923 |
| Average earning assets | $97,312,800 | 4,912 |
| Average equity | $10,243,200 | 5,227 |
| Average total loans | $78,697,000 | 4,562 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1044% | 1,638 |
| Cost of funding earning assets | 1.7882% | 4,431 |
| Net interest margin | 4.3162% | 1,692 |
| Noninterest income to average assets | 0.9135% | 1,926 |
| Noninterest expense to average assets | 3.4303% | 2,477 |
| Loan and lease loss provision to assets | 0.1671% | 5,685 |
| Net operating income to assets | 0.8875% | 2,462 |
| Return on assets (ROA) | 0.8884% | 2,540 |
| Pretax return on assets | 1.2905% | 1,975 |
| Return on Equity (ROE) | 9.1900% | 2,194 |
| Retained earnings to average equity (ytd only) | 1.3908% | 4,540 |
| Net charge-offs to loans | 0.0960% | 5,714 |
| Credit loss provision to net charge-offs | 233.3333% | 1,872 |
| Earnings coverage of net charge-offs (x) | 20.3328% | 1,243 |
| Efficiency ratio | 70.1980% | 4,552 |
| Assets per employee ($millions) | 2.6296% | 6,991 |
| Cash dividends to net income (ytd only)* | 84.8659% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5370% | 3,249 |
| Loan loss allowance to noncurrent loans | 285.5140% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 6,433 |
| Noncurrent loans to loans | 0.5383% | 6,232 |
| Net loans and leases to total assets | 74.4241% | 2,403 |
| Net loans and leases to deposits | 89.2785% | 2,726 |
| Net loans and leases to core deposits | 101.8991% | 4,165 |
| Total domestic deposits to total assets | 83.3617% | 4,035 |
| Equity capital to assets | 9.7847% | 4,370 |
| Core capital (leverage) ratio | 9.4587% | 3,966 |
| Tier 1 risk-based capital ratio | 12.3299% | 4,679 |
| Total risk-based capital ratio | 13.5836% | 4,625 |
| Memoranda: | ||
| Average total assets | $106,110,000 | 4,955 |
| Average earning assets | $97,676,000 | 4,935 |
| Average equity | $10,257,250 | 5,269 |
| Average total loans | $79,135,000 | 4,576 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1213% | 1,724 |
| Cost of funding earning assets | 1.8405% | 4,552 |
| Net interest margin | 4.2808% | 1,702 |
| Noninterest income to average assets | 0.9059% | 1,962 |
| Noninterest expense to average assets | 3.4336% | 2,526 |
| Loan and lease loss provision to assets | 0.1973% | 5,080 |
| Net operating income to assets | 0.8632% | 2,597 |
| Return on assets (ROA) | 0.8645% | 2,698 |
| Pretax return on assets | 1.2329% | 2,210 |
| Return on Equity (ROE) | 8.9794% | 2,365 |
| Retained earnings to average equity (ytd only) | 1.1712% | 4,689 |
| Net charge-offs to loans | 0.1063% | 5,098 |
| Credit loss provision to net charge-offs | 250.0000% | 1,856 |
| Earnings coverage of net charge-offs (x) | 18.0952% | 1,430 |
| Efficiency ratio | 70.6223% | 4,649 |
| Assets per employee ($millions) | 2.4789% | 7,290 |
| Cash dividends to net income (ytd only)* | 86.9565% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 3,013 |
| Loan loss allowance to noncurrent loans | 323.2620% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 6,557 |
| Noncurrent loans to loans | 0.4744% | 6,336 |
| Net loans and leases to total assets | 74.5591% | 2,553 |
| Net loans and leases to deposits | 91.0482% | 2,643 |
| Net loans and leases to core deposits | 106.0828% | 3,836 |
| Total domestic deposits to total assets | 81.8897% | 4,734 |
| Equity capital to assets | 9.8231% | 4,186 |
| Core capital (leverage) ratio | 9.2310% | 4,264 |
| Tier 1 risk-based capital ratio | 12.5502% | 4,487 |
| Total risk-based capital ratio | 13.8035% | 4,402 |
| Memoranda: | ||
| Average total assets | $106,418,330 | 4,979 |
| Average earning assets | $98,345,330 | 4,945 |
| Average equity | $10,245,670 | 5,293 |
| Average total loans | $79,011,670 | 4,619 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1815% | 1,653 |
| Cost of funding earning assets | 1.8902% | 4,679 |
| Net interest margin | 4.2912% | 1,629 |
| Noninterest income to average assets | 0.8924% | 1,886 |
| Noninterest expense to average assets | 3.2536% | 2,784 |
| Loan and lease loss provision to assets | 0.2863% | 3,670 |
| Net operating income to assets | 0.9122% | 2,649 |
| Return on assets (ROA) | 0.9147% | 2,781 |
| Pretax return on assets | 1.3238% | 2,202 |
| Return on Equity (ROE) | 9.5953% | 2,497 |
| Retained earnings to average equity (ytd only) | 1.7942% | 4,850 |
| Net charge-offs to loans | 0.2023% | 3,421 |
| Credit loss provision to net charge-offs | 192.5000% | 2,290 |
| Earnings coverage of net charge-offs (x) | 10.8000% | 1,921 |
| Efficiency ratio | 66.9472% | 5,154 |
| Assets per employee ($millions) | 2.3493% | 7,526 |
| Cash dividends to net income (ytd only)* | 81.3008% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 2,809 |
| Loan loss allowance to noncurrent loans | 3,380.0000% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 7,519 |
| Noncurrent loans to loans | 0.0453% | 7,411 |
| Net loans and leases to total assets | 70.4207% | 3,590 |
| Net loans and leases to deposits | 84.9923% | 3,826 |
| Net loans and leases to core deposits | 102.0407% | 4,344 |
| Total domestic deposits to total assets | 82.8554% | 4,216 |
| Equity capital to assets | 9.4856% | 4,689 |
| Core capital (leverage) ratio | 9.1961% | 4,406 |
| Tier 1 risk-based capital ratio | 12.9107% | 4,239 |
| Total risk-based capital ratio | 14.1641% | 4,166 |
| Memoranda: | ||
| Average total assets | $107,571,500 | 4,965 |
| Average earning assets | $99,458,500 | 4,931 |
| Average equity | $10,255,000 | 5,305 |
| Average total loans | $79,100,500 | 4,640 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6714% | 2,145 |
| Cost of funding earning assets | 2.2449% | 5,390 |
| Net interest margin | 4.4265% | 1,607 |
| Noninterest income to average assets | 0.9683% | 1,695 |
| Noninterest expense to average assets | 3.5015% | 2,393 |
| Loan and lease loss provision to assets | 0.4287% | 3,140 |
| Net operating income to assets | 0.6933% | 3,924 |
| Return on assets (ROA) | 0.6933% | 3,755 |
| Pretax return on assets | 1.0812% | 3,092 |
| Return on Equity (ROE) | 7.0949% | 3,479 |
| Retained earnings to average equity (ytd only) | -0.6697% | 5,500 |
| Net charge-offs to loans | 0.2963% | 3,415 |
| Credit loss provision to net charge-offs | 193.1624% | 2,535 |
| Earnings coverage of net charge-offs (x) | 6.8034% | 3,266 |
| Efficiency ratio | 69.8713% | 4,379 |
| Assets per employee ($millions) | 2.2307% | 7,661 |
| Cash dividends to net income (ytd only)* | 109.4391% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 3,105 |
| Loan loss allowance to noncurrent loans | 3,951.7241% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 7,487 |
| Noncurrent loans to loans | 0.0358% | 7,362 |
| Net loans and leases to total assets | 74.4989% | 2,993 |
| Net loans and leases to deposits | 90.6651% | 3,340 |
| Net loans and leases to core deposits | 108.1863% | 3,948 |
| Total domestic deposits to total assets | 82.1693% | 4,135 |
| Equity capital to assets | 9.5812% | 4,572 |
| Core capital (leverage) ratio | 9.1587% | 4,506 |
| Tier 1 risk-based capital ratio | 12.3980% | 4,507 |
| Total risk-based capital ratio | 13.6497% | 4,403 |
| Memoranda: | ||
| Average total assets | $105,440,000 | 4,890 |
| Average earning assets | $96,306,600 | 4,910 |
| Average equity | $10,303,200 | 5,320 |
| Average total loans | $78,985,600 | 4,554 |