Home > First Security National Bank > Performance and Condition Ratios
First Security National Bank, Performance and Condition Ratios
| 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 | 4.5243% | 7,484 |
| Cost of funding earning assets | 4.2689% | 4 |
| Net interest margin | 0.2554% | 8,073 |
| Noninterest income to average assets | -4.0479% | 8,096 |
| Noninterest expense to average assets | 4.2649% | 958 |
| Loan and lease loss provision to assets | 1.6031% | 1,180 |
| Net operating income to assets | -9.7592% | 8,041 |
| Return on assets (ROA) | -9.7592% | 8,040 |
| Pretax return on assets | -9.7532% | 8,038 |
| Return on Equity (ROE) | -189.9046% | 8,069 |
| Retained earnings to average equity (ytd only) | -189.9046% | 8,069 |
| Net charge-offs to loans | 3.8283% | 377 |
| Credit loss provision to net charge-offs | 92.6829% | 5,410 |
| Earnings coverage of net charge-offs (x) | -4.7120% | 6,848 |
| Efficiency ratio | -109.4105% | 8,086 |
| Assets per employee ($millions) | 5.3106% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8687% | 744 |
| Loan loss allowance to noncurrent loans | 38.3290% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 27.4724% | 12 |
| Noncurrent loans to loans | 7.4844% | 691 |
| Net loans and leases to total assets | 38.9981% | 7,504 |
| Net loans and leases to deposits | 40.8607% | 7,703 |
| Net loans and leases to core deposits | 60.6736% | 7,376 |
| Total domestic deposits to total assets | 95.4415% | 31 |
| Equity capital to assets | 1.9521% | 8,056 |
| Core capital (leverage) ratio | 2.0115% | 8,052 |
| Tier 1 risk-based capital ratio | 2.8769% | 8,049 |
| Total risk-based capital ratio | 4.1315% | 8,050 |
| Memoranda: | ||
| Average total assets | $132,739,500 | 4,304 |
| Average earning assets | $84,578,500 | 5,354 |
| Average equity | $6,821,500 | 6,385 |
| Average total loans | $59,973,250 | 5,291 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7452% | 7,328 |
| Cost of funding earning assets | 4.4054% | 9 |
| Net interest margin | 0.3398% | 8,150 |
| Noninterest income to average assets | -4.3316% | 8,191 |
| Noninterest expense to average assets | 4.1427% | 1,139 |
| Loan and lease loss provision to assets | 2.3732% | 665 |
| Net operating income to assets | -10.6423% | 8,133 |
| Return on assets (ROA) | -10.6423% | 8,129 |
| Pretax return on assets | -10.6334% | 8,115 |
| Return on Equity (ROE) | -173.1672% | 8,138 |
| Retained earnings to average equity (ytd only) | -173.1672% | 8,136 |
| Net charge-offs to loans | 2.4385% | 720 |
| Credit loss provision to net charge-offs | 208.0834% | 2,202 |
| Earnings coverage of net charge-offs (x) | -7.2425% | 6,494 |
| Efficiency ratio | -100.0000% | 8,177 |
| Assets per employee ($millions) | 5.3570% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3524% | 198 |
| Loan loss allowance to noncurrent loans | 34.0596% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 31.0993% | 13 |
| Noncurrent loans to loans | 12.7786% | 188 |
| Net loans and leases to total assets | 41.4159% | 7,483 |
| Net loans and leases to deposits | 44.2531% | 7,692 |
| Net loans and leases to core deposits | 66.6483% | 7,183 |
| Total domestic deposits to total assets | 93.5887% | 72 |
| Equity capital to assets | 3.9209% | 8,101 |
| Core capital (leverage) ratio | 3.8632% | 8,101 |
| Tier 1 risk-based capital ratio | 5.2869% | 8,091 |
| Total risk-based capital ratio | 6.5557% | 8,094 |
| Memoranda: | ||
| Average total assets | $134,501,000 | 4,293 |
| Average earning assets | $84,760,000 | 5,387 |
| Average equity | $8,266,000 | 5,929 |
| Average total loans | $62,906,670 | 5,217 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9393% | 2,606 |
| Cost of funding earning assets | 4.5081% | 8 |
| Net interest margin | 1.4312% | 8,078 |
| Noninterest income to average assets | -5.7323% | 8,242 |
| Noninterest expense to average assets | 4.2454% | 896 |
| Loan and lease loss provision to assets | 4.6440% | 189 |
| Net operating income to assets | -13.7284% | 8,200 |
| Return on assets (ROA) | -13.7284% | 8,193 |
| Pretax return on assets | -13.7284% | 8,190 |
| Return on Equity (ROE) | -191.0411% | 8,193 |
| Retained earnings to average equity (ytd only) | -191.0411% | 8,191 |
| Net charge-offs to loans | 3.9745% | 305 |
| Credit loss provision to net charge-offs | 241.4523% | 1,933 |
| Earnings coverage of net charge-offs (x) | -4.7231% | 5,564 |
| Efficiency ratio | -87.1918% | 8,229 |
| Assets per employee ($millions) | 5.7113% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1653% | 194 |
| Loan loss allowance to noncurrent loans | 31.8193% | 6,424 |
| Noncurrent assets plus other real estate owned to assets | 32.6981% | 7 |
| Noncurrent loans to loans | 13.0905% | 145 |
| Net loans and leases to total assets | 42.4500% | 7,439 |
| Net loans and leases to deposits | 45.9638% | 7,664 |
| Net loans and leases to core deposits | 73.4554% | 6,839 |
| Total domestic deposits to total assets | 92.3551% | 136 |
| Equity capital to assets | 5.4584% | 8,074 |
| Core capital (leverage) ratio | 5.3173% | 8,096 |
| Tier 1 risk-based capital ratio | 7.0288% | 8,096 |
| Total risk-based capital ratio | 8.1133% | 8,113 |
| Memoranda: | ||
| Average total assets | $137,467,000 | 4,242 |
| Average earning assets | $85,801,500 | 5,367 |
| Average equity | $9,878,500 | 5,419 |
| Average total loans | $66,524,500 | 5,119 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9666% | 5,719 |
| Cost of funding earning assets | 3.9690% | 107 |
| Net interest margin | 1.9975% | 8,064 |
| Noninterest income to average assets | 0.3645% | 5,801 |
| Noninterest expense to average assets | 4.0263% | 1,377 |
| Loan and lease loss provision to assets | 0.7935% | 1,876 |
| Net operating income to assets | -2.9334% | 7,814 |
| Return on assets (ROA) | -2.9334% | 7,783 |
| Pretax return on assets | -2.9334% | 7,692 |
| Return on Equity (ROE) | -27.5323% | 7,912 |
| Retained earnings to average equity (ytd only) | -29.1534% | 7,894 |
| Net charge-offs to loans | 1.0672% | 1,147 |
| Credit loss provision to net charge-offs | 109.0467% | 4,936 |
| Earnings coverage of net charge-offs (x) | -2.9407% | 6,763 |
| Efficiency ratio | 212.1951% | 186 |
| Assets per employee ($millions) | 5.3024% | 1,636 |
| Cash dividends to net income (ytd only)* | -5.8880% | 7,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2037% | 942 |
| Loan loss allowance to noncurrent loans | 11.7034% | 7,482 |
| Noncurrent assets plus other real estate owned to assets | 34.2640% | 8 |
| Noncurrent loans to loans | 18.8296% | 40 |
| Net loans and leases to total assets | 51.3115% | 6,905 |
| Net loans and leases to deposits | 57.5980% | 7,232 |
| Net loans and leases to core deposits | 93.0262% | 5,541 |
| Total domestic deposits to total assets | 89.0855% | 1,009 |
| Equity capital to assets | 8.9038% | 5,498 |
| Core capital (leverage) ratio | 9.4894% | 4,024 |
| Tier 1 risk-based capital ratio | 9.9250% | 6,817 |
| Total risk-based capital ratio | 11.1752% | 6,704 |
| Memoranda: | ||
| Average total assets | $141,271,800 | 4,056 |
| Average earning assets | $107,633,000 | 4,574 |
| Average equity | $15,051,400 | 4,131 |
| Average total loans | $96,328,600 | 4,048 |