Home > First National Bankers Bank, Alabama > Performance and Condition Ratios
First National Bankers Bank, Alabama, Performance and Condition Ratios
| 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 | 2.9273% | 7,502 |
| Cost of funding earning assets | 0.1188% | 7,579 |
| Net interest margin | 2.8085% | 7,017 |
| Noninterest income to average assets | 0.3151% | 5,543 |
| Noninterest expense to average assets | 1.4678% | 7,459 |
| Loan and lease loss provision to assets | 1.5764% | 919 |
| Net operating income to assets | 0.0174% | 5,785 |
| Return on assets (ROA) | 0.0174% | 5,916 |
| Pretax return on assets | 0.0007% | 5,896 |
| Return on Equity (ROE) | 0.1284% | 5,931 |
| Retained earnings to average equity (ytd only) | -2.3163% | 6,015 |
| Net charge-offs to loans | 3.0774% | 525 |
| Credit loss provision to net charge-offs | 88.3630% | 5,195 |
| Earnings coverage of net charge-offs (x) | 0.8840% | 5,239 |
| Efficiency ratio | 48.2067% | 7,255 |
| Assets per employee ($millions) | 13.1981% | 121 |
| Cash dividends to net income (ytd only)* | 1,904.0000% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5998% | 3,570 |
| Loan loss allowance to noncurrent loans | 48.2835% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 3.7920% | 1,805 |
| Noncurrent loans to loans | 3.3133% | 2,289 |
| Net loans and leases to total assets | 65.9317% | 3,480 |
| Net loans and leases to deposits | 198.4798% | 23 |
| Net loans and leases to core deposits | 198.4798% | 85 |
| Total domestic deposits to total assets | 33.2183% | 7,597 |
| Equity capital to assets | 17.0190% | 456 |
| Core capital (leverage) ratio | 14.4502% | 756 |
| Tier 1 risk-based capital ratio | 22.8676% | 1,056 |
| Total risk-based capital ratio | 24.1198% | 1,037 |
| Memoranda: | ||
| Average total assets | $286,611,000 | 2,235 |
| Average earning assets | $278,587,200 | 2,123 |
| Average equity | $38,941,800 | 1,693 |
| Average total loans | $166,145,600 | 2,525 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8003% | 7,648 |
| Cost of funding earning assets | 0.1206% | 7,699 |
| Net interest margin | 2.6797% | 7,258 |
| Noninterest income to average assets | 0.3075% | 5,693 |
| Noninterest expense to average assets | 1.5134% | 7,543 |
| Loan and lease loss provision to assets | 1.0254% | 1,441 |
| Net operating income to assets | 0.2550% | 5,331 |
| Return on assets (ROA) | 0.2550% | 5,493 |
| Pretax return on assets | 0.3777% | 5,292 |
| Return on Equity (ROE) | 1.9694% | 5,620 |
| Retained earnings to average equity (ytd only) | -0.2453% | 5,840 |
| Net charge-offs to loans | 2.0631% | 902 |
| Credit loss provision to net charge-offs | 88.2979% | 4,838 |
| Earnings coverage of net charge-offs (x) | 1.2082% | 4,854 |
| Efficiency ratio | 51.8911% | 6,988 |
| Assets per employee ($millions) | 15.0595% | 102 |
| Cash dividends to net income (ytd only)* | 112.4570% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6634% | 3,280 |
| Loan loss allowance to noncurrent loans | 39.6201% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 4.0256% | 1,735 |
| Noncurrent loans to loans | 4.1983% | 1,742 |
| Net loans and leases to total assets | 62.1416% | 4,498 |
| Net loans and leases to deposits | 216.2430% | 20 |
| Net loans and leases to core deposits | 216.2430% | 76 |
| Total domestic deposits to total assets | 28.7369% | 7,701 |
| Equity capital to assets | 15.2395% | 836 |
| Core capital (leverage) ratio | 15.1013% | 698 |
| Tier 1 risk-based capital ratio | 21.4920% | 1,286 |
| Total risk-based capital ratio | 22.7446% | 1,264 |
| Memoranda: | ||
| Average total assets | $302,172,000 | 2,172 |
| Average earning assets | $294,201,250 | 2,048 |
| Average equity | $39,131,000 | 1,703 |
| Average total loans | $170,098,500 | 2,513 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6295% | 7,742 |
| Cost of funding earning assets | 0.1305% | 7,770 |
| Net interest margin | 2.4990% | 7,422 |
| Noninterest income to average assets | 0.3111% | 5,679 |
| Noninterest expense to average assets | 1.4259% | 7,653 |
| Loan and lease loss provision to assets | 1.0064% | 1,447 |
| Net operating income to assets | 0.2286% | 5,465 |
| Return on assets (ROA) | 0.2286% | 5,602 |
| Pretax return on assets | 0.3155% | 5,457 |
| Return on Equity (ROE) | 1.8535% | 5,675 |
| Retained earnings to average equity (ytd only) | 0.3319% | 5,626 |
| Net charge-offs to loans | 1.9772% | 929 |
| Credit loss provision to net charge-offs | 93.5050% | 4,312 |
| Earnings coverage of net charge-offs (x) | 1.2282% | 4,583 |
| Efficiency ratio | 51.8909% | 7,082 |
| Assets per employee ($millions) | 14.2668% | 110 |
| Cash dividends to net income (ytd only)* | 82.0937% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 3,009 |
| Loan loss allowance to noncurrent loans | 57.3442% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 3.4952% | 2,009 |
| Noncurrent loans to loans | 2.9946% | 2,679 |
| Net loans and leases to total assets | 68.1749% | 3,321 |
| Net loans and leases to deposits | 263.3098% | 18 |
| Net loans and leases to core deposits | 263.3098% | 57 |
| Total domestic deposits to total assets | 25.8915% | 7,772 |
| Equity capital to assets | 16.1424% | 648 |
| Core capital (leverage) ratio | 12.9314% | 1,232 |
| Tier 1 risk-based capital ratio | 20.7459% | 1,386 |
| Total risk-based capital ratio | 21.9991% | 1,357 |
| Memoranda: | ||
| Average total assets | $317,558,670 | 2,092 |
| Average earning assets | $309,638,000 | 1,963 |
| Average equity | $39,169,670 | 1,695 |
| Average total loans | $172,871,000 | 2,506 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4626% | 7,855 |
| Cost of funding earning assets | 0.1393% | 7,871 |
| Net interest margin | 2.3233% | 7,582 |
| Noninterest income to average assets | 0.2343% | 6,277 |
| Noninterest expense to average assets | 1.2133% | 7,827 |
| Loan and lease loss provision to assets | 1.0680% | 1,157 |
| Net operating income to assets | 0.2062% | 5,662 |
| Return on assets (ROA) | 0.2062% | 5,781 |
| Pretax return on assets | 0.2264% | 5,807 |
| Return on Equity (ROE) | 1.8683% | 5,814 |
| Retained earnings to average equity (ytd only) | 1.8683% | 4,998 |
| Net charge-offs to loans | 0.9909% | 1,655 |
| Credit loss provision to net charge-offs | 218.4332% | 1,721 |
| Earnings coverage of net charge-offs (x) | 2.6475% | 3,209 |
| Efficiency ratio | 48.3827% | 7,413 |
| Assets per employee ($millions) | 18.2514% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0161% | 2,145 |
| Loan loss allowance to noncurrent loans | 55.2516% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 3.0821% | 2,321 |
| Noncurrent loans to loans | 3.6490% | 2,180 |
| Net loans and leases to total assets | 55.0420% | 5,886 |
| Net loans and leases to deposits | 313.7338% | 17 |
| Net loans and leases to core deposits | 313.7338% | 54 |
| Total domestic deposits to total assets | 17.5442% | 7,886 |
| Equity capital to assets | 12.6569% | 1,673 |
| Core capital (leverage) ratio | 10.0387% | 3,119 |
| Tier 1 risk-based capital ratio | 20.3086% | 1,463 |
| Total risk-based capital ratio | 21.5658% | 1,430 |
| Memoranda: | ||
| Average total assets | $355,070,500 | 1,930 |
| Average earning assets | $347,441,000 | 1,801 |
| Average equity | $39,179,000 | 1,716 |
| Average total loans | $175,188,000 | 2,539 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2307% | 7,920 |
| Cost of funding earning assets | 0.1951% | 7,942 |
| Net interest margin | 2.0356% | 7,725 |
| Noninterest income to average assets | 0.0866% | 7,326 |
| Noninterest expense to average assets | 1.1031% | 7,932 |
| Loan and lease loss provision to assets | 0.8308% | 2,644 |
| Net operating income to assets | 0.1074% | 5,194 |
| Return on assets (ROA) | 0.1407% | 5,148 |
| Pretax return on assets | 0.2043% | 4,997 |
| Return on Equity (ROE) | 1.7910% | 4,981 |
| Retained earnings to average equity (ytd only) | 0.4703% | 4,643 |
| Net charge-offs to loans | 1.6381% | 1,547 |
| Credit loss provision to net charge-offs | 112.4131% | 4,881 |
| Earnings coverage of net charge-offs (x) | 1.3353% | 4,797 |
| Efficiency ratio | 52.7801% | 7,336 |
| Assets per employee ($millions) | 23.5216% | 63 |
| Cash dividends to net income (ytd only)* | 73.7391% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7038% | 2,886 |
| Loan loss allowance to noncurrent loans | 78.5135% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.7566% | 3,738 |
| Noncurrent loans to loans | 2.1700% | 3,425 |
| Net loans and leases to total assets | 43.2846% | 7,161 |
| Net loans and leases to deposits | 257.3083% | 21 |
| Net loans and leases to core deposits | 257.3083% | 47 |
| Total domestic deposits to total assets | 16.8221% | 7,965 |
| Equity capital to assets | 9.7750% | 4,037 |
| Core capital (leverage) ratio | 8.9221% | 4,555 |
| Tier 1 risk-based capital ratio | 16.7783% | 2,211 |
| Total risk-based capital ratio | 18.0287% | 2,181 |
| Memoranda: | ||
| Average total assets | $408,762,600 | 1,684 |
| Average earning assets | $402,288,400 | 1,579 |
| Average equity | $32,105,000 | 2,081 |
| Average total loans | $184,423,400 | 2,465 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2308% | 8,023 |
| Cost of funding earning assets | 0.2125% | 8,026 |
| Net interest margin | 2.0183% | 7,802 |
| Noninterest income to average assets | 0.0720% | 7,555 |
| Noninterest expense to average assets | 1.0715% | 8,020 |
| Loan and lease loss provision to assets | 0.7857% | 2,406 |
| Net operating income to assets | 0.1415% | 5,348 |
| Return on assets (ROA) | 0.1862% | 5,274 |
| Pretax return on assets | 0.2663% | 5,150 |
| Return on Equity (ROE) | 2.5208% | 4,980 |
| Retained earnings to average equity (ytd only) | 1.7918% | 4,309 |
| Net charge-offs to loans | 1.3697% | 1,501 |
| Credit loss provision to net charge-offs | 126.4092% | 3,977 |
| Earnings coverage of net charge-offs (x) | 1.5898% | 4,607 |
| Efficiency ratio | 52.0239% | 7,411 |
| Assets per employee ($millions) | 22.7732% | 67 |
| Cash dividends to net income (ytd only)* | 28.9203% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 2,527 |
| Loan loss allowance to noncurrent loans | 193.3910% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 1.2455% | 4,576 |
| Noncurrent loans to loans | 0.8935% | 5,495 |
| Net loans and leases to total assets | 45.9959% | 7,110 |
| Net loans and leases to deposits | 265.9284% | 24 |
| Net loans and leases to core deposits | 265.9284% | 45 |
| Total domestic deposits to total assets | 17.2964% | 8,051 |
| Equity capital to assets | 9.9973% | 4,088 |
| Core capital (leverage) ratio | 7.3967% | 7,083 |
| Tier 1 risk-based capital ratio | 18.5047% | 1,860 |
| Total risk-based capital ratio | 19.7578% | 1,810 |
| Memoranda: | ||
| Average total assets | $410,986,500 | 1,695 |
| Average earning assets | $404,755,750 | 1,578 |
| Average equity | $30,359,500 | 2,226 |
| Average total loans | $186,509,000 | 2,466 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1667% | 8,118 |
| Cost of funding earning assets | 0.2141% | 8,124 |
| Net interest margin | 1.9526% | 7,888 |
| Noninterest income to average assets | 0.0587% | 7,694 |
| Noninterest expense to average assets | 1.0097% | 8,124 |
| Loan and lease loss provision to assets | 0.7815% | 2,128 |
| Net operating income to assets | 0.1428% | 5,440 |
| Return on assets (ROA) | 0.2124% | 5,300 |
| Pretax return on assets | 0.2860% | 5,236 |
| Return on Equity (ROE) | 3.2272% | 4,808 |
| Retained earnings to average equity (ytd only) | 2.7123% | 3,821 |
| Net charge-offs to loans | 0.8987% | 1,901 |
| Credit loss provision to net charge-offs | 193.4988% | 2,363 |
| Earnings coverage of net charge-offs (x) | 2.4102% | 3,859 |
| Efficiency ratio | 50.9148% | 7,601 |
| Assets per employee ($millions) | 25.6407% | 62 |
| Cash dividends to net income (ytd only)* | 15.9551% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7711% | 2,127 |
| Loan loss allowance to noncurrent loans | 157.5646% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 1.1025% | 4,752 |
| Noncurrent loans to loans | 1.1241% | 4,971 |
| Net loans and leases to total assets | 38.8884% | 7,606 |
| Net loans and leases to deposits | 268.4549% | 28 |
| Net loans and leases to core deposits | 268.4549% | 51 |
| Total domestic deposits to total assets | 14.4860% | 8,145 |
| Equity capital to assets | 6.2957% | 7,867 |
| Core capital (leverage) ratio | 6.4407% | 7,823 |
| Tier 1 risk-based capital ratio | 12.0550% | 4,872 |
| Total risk-based capital ratio | 13.3060% | 4,786 |
| Memoranda: | ||
| Average total assets | $418,933,670 | 1,689 |
| Average earning assets | $412,879,670 | 1,572 |
| Average equity | $27,578,000 | 2,431 |
| Average total loans | $188,278,000 | 2,474 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1973% | 8,180 |
| Cost of funding earning assets | 0.2227% | 8,176 |
| Net interest margin | 1.9746% | 7,908 |
| Noninterest income to average assets | 0.0696% | 7,717 |
| Noninterest expense to average assets | 0.9989% | 8,170 |
| Loan and lease loss provision to assets | 0.7661% | 1,680 |
| Net operating income to assets | 0.2422% | 5,516 |
| Return on assets (ROA) | 0.2422% | 5,682 |
| Pretax return on assets | 0.2495% | 5,824 |
| Return on Equity (ROE) | 3.5803% | 5,137 |
| Retained earnings to average equity (ytd only) | 3.5803% | 3,902 |
| Net charge-offs to loans | 0.5635% | 2,058 |
| Credit loss provision to net charge-offs | 281.2977% | 1,712 |
| Earnings coverage of net charge-offs (x) | 3.7290% | 3,086 |
| Efficiency ratio | 49.5872% | 7,613 |
| Assets per employee ($millions) | 27.9668% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 2,285 |
| Loan loss allowance to noncurrent loans | 75.5177% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.2525% | 4,170 |
| Noncurrent loans to loans | 2.1939% | 2,986 |
| Net loans and leases to total assets | 38.7041% | 7,631 |
| Net loans and leases to deposits | 1,120.3909% | 14 |
| Net loans and leases to core deposits | 1,120.3909% | 18 |
| Total domestic deposits to total assets | 3.4545% | 8,223 |
| Equity capital to assets | 6.4278% | 7,896 |
| Core capital (leverage) ratio | 8.5725% | 5,387 |
| Tier 1 risk-based capital ratio | 13.2638% | 4,013 |
| Total risk-based capital ratio | 14.5151% | 3,935 |
| Memoranda: | ||
| Average total assets | $384,814,000 | 1,826 |
| Average earning assets | $379,014,000 | 1,713 |
| Average equity | $26,031,500 | 2,568 |
| Average total loans | $185,982,000 | 2,520 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6005% | 8,011 |
| Cost of funding earning assets | 1.8197% | 6,955 |
| Net interest margin | 2.7807% | 7,365 |
| Noninterest income to average assets | 0.1238% | 7,500 |
| Noninterest expense to average assets | 1.6010% | 7,962 |
| Loan and lease loss provision to assets | 0.6434% | 2,259 |
| Net operating income to assets | 0.3345% | 5,423 |
| Return on assets (ROA) | 0.3345% | 5,243 |
| Pretax return on assets | 0.5636% | 4,799 |
| Return on Equity (ROE) | 3.6002% | 4,996 |
| Retained earnings to average equity (ytd only) | 2.1250% | 3,909 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0151% | 6,870 |
| Assets per employee ($millions) | 19.6129% | 78 |
| Cash dividends to net income (ytd only)* | 40.9750% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 3,086 |
| Loan loss allowance to noncurrent loans | 45.5097% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 1.9606% | 2,509 |
| Noncurrent loans to loans | 3.1204% | 1,702 |
| Net loans and leases to total assets | 61.9410% | 5,632 |
| Net loans and leases to deposits | 1,590.5211% | 12 |
| Net loans and leases to core deposits | 1,590.5211% | 16 |
| Total domestic deposits to total assets | 3.8944% | 8,279 |
| Equity capital to assets | 7.3091% | 7,548 |
| Core capital (leverage) ratio | 9.2681% | 4,344 |
| Tier 1 risk-based capital ratio | 10.4507% | 6,261 |
| Total risk-based capital ratio | 11.7012% | 6,138 |
| Memoranda: | ||
| Average total assets | $226,925,400 | 2,806 |
| Average earning assets | $219,042,800 | 2,671 |
| Average equity | $21,082,400 | 3,089 |
| Average total loans | $151,545,400 | 2,898 |