Home > First National Bank & Trust Company in Larned > Performance and Condition Ratios
First National Bank & Trust Company in Larned, 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 | 4.6298% | 6,372 |
| Cost of funding earning assets | 0.6195% | 7,366 |
| Net interest margin | 4.0103% | 2,962 |
| Noninterest income to average assets | 0.1122% | 7,044 |
| Noninterest expense to average assets | 4.0879% | 937 |
| Loan and lease loss provision to assets | 4.8381% | 118 |
| Net operating income to assets | -4.9559% | 7,693 |
| Return on assets (ROA) | -4.9503% | 7,697 |
| Pretax return on assets | -5.2516% | 7,690 |
| Return on Equity (ROE) | -51.4794% | 7,616 |
| Retained earnings to average equity (ytd only) | -51.4794% | 7,612 |
| Net charge-offs to loans | 17.8191% | 6 |
| Credit loss provision to net charge-offs | 45.4243% | 5,515 |
| Earnings coverage of net charge-offs (x) | -0.0394% | 5,754 |
| Efficiency ratio | 111.4332% | 520 |
| Assets per employee ($millions) | 2.8142% | 6,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9124% | 178 |
| Loan loss allowance to noncurrent loans | 26.1918% | 6,600 |
| Noncurrent assets plus other real estate owned to assets | 11.8863% | 277 |
| Noncurrent loans to loans | 18.7557% | 100 |
| Net loans and leases to total assets | 52.9049% | 6,115 |
| Net loans and leases to deposits | 57.8487% | 6,585 |
| Net loans and leases to core deposits | 59.1903% | 6,757 |
| Total domestic deposits to total assets | 91.4540% | 347 |
| Equity capital to assets | 8.3595% | 6,345 |
| Core capital (leverage) ratio | 5.1487% | 7,586 |
| Tier 1 risk-based capital ratio | 7.9248% | 7,526 |
| Total risk-based capital ratio | 9.2133% | 7,532 |
| Memoranda: | ||
| Average total assets | $33,856,330 | 7,219 |
| Average earning assets | $30,023,000 | 7,229 |
| Average equity | $3,255,670 | 7,337 |
| Average total loans | $20,236,670 | 7,052 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6318% | 6,464 |
| Cost of funding earning assets | 0.6541% | 7,423 |
| Net interest margin | 3.9778% | 2,966 |
| Noninterest income to average assets | -0.3894% | 7,844 |
| Noninterest expense to average assets | 4.0945% | 907 |
| Loan and lease loss provision to assets | 3.0207% | 328 |
| Net operating income to assets | -3.3847% | 7,670 |
| Return on assets (ROA) | -3.3747% | 7,669 |
| Pretax return on assets | -3.9765% | 7,685 |
| Return on Equity (ROE) | -32.9493% | 7,605 |
| Retained earnings to average equity (ytd only) | -32.9493% | 7,584 |
| Net charge-offs to loans | 23.8544% | 5 |
| Credit loss provision to net charge-offs | 20.4800% | 4,942 |
| Earnings coverage of net charge-offs (x) | -0.0656% | 5,076 |
| Efficiency ratio | 130.9434% | 329 |
| Assets per employee ($millions) | 2.7819% | 6,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6301% | 238 |
| Loan loss allowance to noncurrent loans | 26.2583% | 6,652 |
| Noncurrent assets plus other real estate owned to assets | 12.2128% | 247 |
| Noncurrent loans to loans | 17.6327% | 118 |
| Net loans and leases to total assets | 56.3341% | 5,697 |
| Net loans and leases to deposits | 62.7766% | 6,199 |
| Net loans and leases to core deposits | 64.2786% | 6,434 |
| Total domestic deposits to total assets | 89.7373% | 1,123 |
| Equity capital to assets | 9.9691% | 3,909 |
| Core capital (leverage) ratio | 6.8332% | 7,335 |
| Tier 1 risk-based capital ratio | 10.2989% | 6,809 |
| Total risk-based capital ratio | 11.5886% | 6,773 |
| Memoranda: | ||
| Average total assets | $33,899,500 | 7,311 |
| Average earning assets | $29,966,500 | 7,321 |
| Average equity | $3,472,000 | 7,353 |
| Average total loans | $20,960,500 | 7,104 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5599% | 7,330 |
| Cost of funding earning assets | 1.0167% | 7,178 |
| Net interest margin | 3.5432% | 4,767 |
| Noninterest income to average assets | 1.4594% | 676 |
| Noninterest expense to average assets | 4.3505% | 933 |
| Loan and lease loss provision to assets | 6.1978% | 100 |
| Net operating income to assets | -3.5898% | 7,528 |
| Return on assets (ROA) | -3.3689% | 7,476 |
| Pretax return on assets | -5.4949% | 7,760 |
| Return on Equity (ROE) | -41.8686% | 7,596 |
| Retained earnings to average equity (ytd only) | -41.8686% | 7,584 |
| Net charge-offs to loans | 7.4299% | 99 |
| Credit loss provision to net charge-offs | 151.4929% | 3,044 |
| Earnings coverage of net charge-offs (x) | 0.0875% | 6,072 |
| Efficiency ratio | 91.8070% | 1,578 |
| Assets per employee ($millions) | 2.8680% | 6,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5893% | 31 |
| Loan loss allowance to noncurrent loans | 39.9372% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 15.6177% | 124 |
| Noncurrent loans to loans | 21.5071% | 61 |
| Net loans and leases to total assets | 58.9697% | 5,494 |
| Net loans and leases to deposits | 67.2309% | 5,917 |
| Net loans and leases to core deposits | 72.2062% | 6,647 |
| Total domestic deposits to total assets | 87.7121% | 2,117 |
| Equity capital to assets | 10.5067% | 3,171 |
| Core capital (leverage) ratio | 7.3552% | 6,928 |
| Tier 1 risk-based capital ratio | 11.2032% | 5,716 |
| Total risk-based capital ratio | 12.5436% | 5,574 |
| Memoranda: | ||
| Average total assets | $46,661,600 | 6,838 |
| Average earning assets | $42,785,600 | 6,824 |
| Average equity | $3,754,600 | 7,370 |
| Average total loans | $25,693,400 | 6,874 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 7,482 |
| Cost of funding earning assets | 1.0972% | 7,179 |
| Net interest margin | 3.4279% | 5,155 |
| Noninterest income to average assets | 1.6732% | 523 |
| Noninterest expense to average assets | 4.2984% | 917 |
| Loan and lease loss provision to assets | 7.7548% | 52 |
| Net operating income to assets | -7.1997% | 7,984 |
| Return on assets (ROA) | -6.8511% | 7,971 |
| Pretax return on assets | -6.8645% | 7,956 |
| Return on Equity (ROE) | -89.9012% | 7,989 |
| Retained earnings to average equity (ytd only) | -89.9012% | 7,988 |
| Net charge-offs to loans | 9.6110% | 52 |
| Credit loss provision to net charge-offs | 151.0183% | 3,179 |
| Earnings coverage of net charge-offs (x) | 0.1055% | 5,931 |
| Efficiency ratio | 87.9778% | 1,877 |
| Assets per employee ($millions) | 2.6268% | 7,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3601% | 29 |
| Loan loss allowance to noncurrent loans | 40.1139% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 14.5180% | 131 |
| Noncurrent loans to loans | 20.8408% | 57 |
| Net loans and leases to total assets | 56.6635% | 6,072 |
| Net loans and leases to deposits | 64.4541% | 6,458 |
| Net loans and leases to core deposits | 72.8194% | 6,790 |
| Total domestic deposits to total assets | 87.9130% | 1,699 |
| Equity capital to assets | 7.1054% | 7,547 |
| Core capital (leverage) ratio | 5.7628% | 7,839 |
| Tier 1 risk-based capital ratio | 11.0560% | 5,893 |
| Total risk-based capital ratio | 12.3918% | 5,767 |
| Memoranda: | ||
| Average total assets | $49,723,000 | 6,771 |
| Average earning assets | $45,935,500 | 6,742 |
| Average equity | $3,789,250 | 7,421 |
| Average total loans | $26,566,250 | 6,877 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4551% | 7,663 |
| Cost of funding earning assets | 1.1599% | 7,219 |
| Net interest margin | 3.2952% | 5,575 |
| Noninterest income to average assets | 0.8771% | 2,069 |
| Noninterest expense to average assets | 4.1711% | 1,104 |
| Loan and lease loss provision to assets | 8.8307% | 53 |
| Net operating income to assets | -9.0749% | 8,098 |
| Return on assets (ROA) | -8.7159% | 8,084 |
| Pretax return on assets | -8.7270% | 8,070 |
| Return on Equity (ROE) | -112.6436% | 8,089 |
| Retained earnings to average equity (ytd only) | -112.6436% | 8,088 |
| Net charge-offs to loans | 7.3342% | 119 |
| Credit loss provision to net charge-offs | 233.6925% | 1,981 |
| Earnings coverage of net charge-offs (x) | -0.0676% | 5,767 |
| Efficiency ratio | 105.2930% | 987 |
| Assets per employee ($millions) | 3.3784% | 5,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8773% | 25 |
| Loan loss allowance to noncurrent loans | 46.3079% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 9.5590% | 328 |
| Noncurrent loans to loans | 19.1701% | 64 |
| Net loans and leases to total assets | 43.4676% | 7,364 |
| Net loans and leases to deposits | 45.9086% | 7,637 |
| Net loans and leases to core deposits | 52.2029% | 7,704 |
| Total domestic deposits to total assets | 94.6831% | 43 |
| Equity capital to assets | 5.0542% | 8,034 |
| Core capital (leverage) ratio | 4.6408% | 8,046 |
| Tier 1 risk-based capital ratio | 9.0760% | 7,652 |
| Total risk-based capital ratio | 10.4090% | 7,621 |
| Memoranda: | ||
| Average total assets | $54,039,000 | 6,671 |
| Average earning assets | $49,830,000 | 6,634 |
| Average equity | $4,181,330 | 7,347 |
| Average total loans | $27,842,000 | 6,855 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6613% | 7,558 |
| Cost of funding earning assets | 1.2220% | 7,244 |
| Net interest margin | 3.4393% | 4,976 |
| Noninterest income to average assets | 1.1549% | 1,109 |
| Noninterest expense to average assets | 3.3758% | 2,430 |
| Loan and lease loss provision to assets | 5.3746% | 146 |
| Net operating income to assets | -4.4419% | 8,010 |
| Return on assets (ROA) | -3.9977% | 7,972 |
| Pretax return on assets | -4.0051% | 7,904 |
| Return on Equity (ROE) | -44.0277% | 8,020 |
| Retained earnings to average equity (ytd only) | -44.0277% | 8,002 |
| Net charge-offs to loans | 9.1166% | 73 |
| Credit loss provision to net charge-offs | 110.3343% | 3,497 |
| Earnings coverage of net charge-offs (x) | 0.1900% | 4,830 |
| Efficiency ratio | 77.4527% | 3,262 |
| Assets per employee ($millions) | 3.1886% | 5,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6772% | 277 |
| Loan loss allowance to noncurrent loans | 23.2809% | 7,000 |
| Noncurrent assets plus other real estate owned to assets | 9.2536% | 264 |
| Noncurrent loans to loans | 15.7949% | 84 |
| Net loans and leases to total assets | 47.9375% | 7,030 |
| Net loans and leases to deposits | 52.6428% | 7,362 |
| Net loans and leases to core deposits | 57.1212% | 7,562 |
| Total domestic deposits to total assets | 91.0619% | 396 |
| Equity capital to assets | 8.5378% | 6,013 |
| Core capital (leverage) ratio | 8.2336% | 6,026 |
| Tier 1 risk-based capital ratio | 14.2931% | 3,439 |
| Total risk-based capital ratio | 15.5671% | 3,343 |
| Memoranda: | ||
| Average total assets | $54,031,500 | 6,705 |
| Average earning assets | $49,428,500 | 6,688 |
| Average equity | $4,906,000 | 7,145 |
| Average total loans | $28,870,500 | 6,826 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9869% | 5,609 |
| Cost of funding earning assets | 1.7907% | 7,033 |
| Net interest margin | 4.1962% | 2,325 |
| Noninterest income to average assets | 0.6047% | 3,810 |
| Noninterest expense to average assets | 3.2875% | 3,006 |
| Loan and lease loss provision to assets | 2.3149% | 482 |
| Net operating income to assets | -0.6851% | 7,055 |
| Return on assets (ROA) | -0.6047% | 6,901 |
| Pretax return on assets | -1.0436% | 7,026 |
| Return on Equity (ROE) | -6.3922% | 6,990 |
| Retained earnings to average equity (ytd only) | -7.8363% | 6,874 |
| Net charge-offs to loans | 3.6788% | 209 |
| Credit loss provision to net charge-offs | 107.8032% | 4,981 |
| Earnings coverage of net charge-offs (x) | 0.5335% | 5,913 |
| Efficiency ratio | 73.0896% | 3,732 |
| Assets per employee ($millions) | 3.1681% | 5,568 |
| Cash dividends to net income (ytd only)* | -22.5904% | 7,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0035% | 429 |
| Loan loss allowance to noncurrent loans | 19.6763% | 7,255 |
| Noncurrent assets plus other real estate owned to assets | 8.7194% | 243 |
| Noncurrent loans to loans | 15.2646% | 68 |
| Net loans and leases to total assets | 55.4060% | 6,497 |
| Net loans and leases to deposits | 61.5524% | 6,984 |
| Net loans and leases to core deposits | 70.7176% | 7,150 |
| Total domestic deposits to total assets | 90.0143% | 641 |
| Equity capital to assets | 9.6255% | 4,514 |
| Core capital (leverage) ratio | 9.4031% | 4,150 |
| Tier 1 risk-based capital ratio | 14.5523% | 3,272 |
| Total risk-based capital ratio | 15.8192% | 3,182 |
| Memoranda: | ||
| Average total assets | $54,905,400 | 6,583 |
| Average earning assets | $50,092,600 | 6,586 |
| Average equity | $5,193,800 | 7,087 |
| Average total loans | $32,048,200 | 6,604 |