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FNB Financial, Performance and Condition Ratios
| 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 | 4.7190% | 7,482 |
| Cost of funding earning assets | 1.3703% | 6,816 |
| Net interest margin | 3.3486% | 5,327 |
| Noninterest income to average assets | 1.4563% | 662 |
| Noninterest expense to average assets | 3.6771% | 1,694 |
| Loan and lease loss provision to assets | 1.2352% | 1,048 |
| Net operating income to assets | -0.3355% | 6,725 |
| Return on assets (ROA) | -0.3355% | 6,799 |
| Pretax return on assets | -0.6917% | 6,963 |
| Return on Equity (ROE) | -1.9856% | 6,657 |
| Retained earnings to average equity (ytd only) | -1.9856% | 6,104 |
| Net charge-offs to loans | 6.3627% | 140 |
| Credit loss provision to net charge-offs | 36.6512% | 4,860 |
| Earnings coverage of net charge-offs (x) | 0.1613% | 4,851 |
| Efficiency ratio | 81.5157% | 2,605 |
| Assets per employee ($millions) | 2.8607% | 6,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1873% | 409 |
| Loan loss allowance to noncurrent loans | 98.6958% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 2.4225% | 2,369 |
| Noncurrent loans to loans | 3.2294% | 1,998 |
| Net loans and leases to total assets | 51.5463% | 6,725 |
| Net loans and leases to deposits | 64.3312% | 6,526 |
| Net loans and leases to core deposits | 72.0705% | 6,910 |
| Total domestic deposits to total assets | 80.1265% | 5,319 |
| Equity capital to assets | 17.1100% | 709 |
| Core capital (leverage) ratio | 7.7585% | 6,810 |
| Tier 1 risk-based capital ratio | 12.0314% | 4,937 |
| Total risk-based capital ratio | 13.3010% | 4,812 |
| Memoranda: | ||
| Average total assets | $153,817,500 | 3,945 |
| Average earning assets | $126,977,000 | 4,222 |
| Average equity | $25,987,500 | 2,571 |
| Average total loans | $81,475,000 | 4,569 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4953% | 7,312 |
| Cost of funding earning assets | 1.7784% | 7,064 |
| Net interest margin | 3.7169% | 4,397 |
| Noninterest income to average assets | 1.4574% | 667 |
| Noninterest expense to average assets | 3.7685% | 1,815 |
| Loan and lease loss provision to assets | 1.5060% | 893 |
| Net operating income to assets | -0.3784% | 6,798 |
| Return on assets (ROA) | -0.3763% | 6,673 |
| Pretax return on assets | -0.7624% | 6,859 |
| Return on Equity (ROE) | -2.1891% | 6,534 |
| Retained earnings to average equity (ytd only) | -2.7957% | 6,055 |
| Net charge-offs to loans | 0.5011% | 2,360 |
| Credit loss provision to net charge-offs | 591.6031% | 738 |
| Earnings coverage of net charge-offs (x) | 2.9084% | 4,627 |
| Efficiency ratio | 78.2072% | 2,889 |
| Assets per employee ($millions) | 2.8892% | 6,340 |
| Cash dividends to net income (ytd only)* | -27.7108% | 7,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1278% | 170 |
| Loan loss allowance to noncurrent loans | 70.1965% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 3.1471% | 1,455 |
| Noncurrent loans to loans | 5.8803% | 627 |
| Net loans and leases to total assets | 50.5262% | 6,981 |
| Net loans and leases to deposits | 63.3633% | 6,851 |
| Net loans and leases to core deposits | 70.6201% | 7,153 |
| Total domestic deposits to total assets | 79.7405% | 5,117 |
| Equity capital to assets | 16.6861% | 812 |
| Core capital (leverage) ratio | 7.9078% | 6,644 |
| Tier 1 risk-based capital ratio | 11.8794% | 4,921 |
| Total risk-based capital ratio | 13.1584% | 4,797 |
| Memoranda: | ||
| Average total assets | $154,386,400 | 3,812 |
| Average earning assets | $126,745,400 | 4,114 |
| Average equity | $26,540,400 | 2,511 |
| Average total loans | $78,431,600 | 4,573 |