Home > Home National Bank > Performance and Condition Ratios
Home National Bank, 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 | 5.0692% | 4,615 |
| Cost of funding earning assets | 1.7294% | 1,972 |
| Net interest margin | 3.3397% | 5,876 |
| Noninterest income to average assets | 0.9844% | 1,422 |
| Noninterest expense to average assets | 4.9001% | 409 |
| Loan and lease loss provision to assets | 1.9130% | 648 |
| Net operating income to assets | -3.0022% | 7,512 |
| Return on assets (ROA) | -1.9872% | 7,305 |
| Pretax return on assets | -1.9872% | 7,234 |
| Return on Equity (ROE) | -92.4859% | 7,726 |
| Retained earnings to average equity (ytd only) | -92.4859% | 7,725 |
| Net charge-offs to loans | 6.1859% | 123 |
| Credit loss provision to net charge-offs | 48.7318% | 5,450 |
| Earnings coverage of net charge-offs (x) | -0.2775% | 5,918 |
| Efficiency ratio | 128.3102% | 327 |
| Assets per employee ($millions) | 3.5482% | 4,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2834% | 146 |
| Loan loss allowance to noncurrent loans | 32.2607% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 15.3215% | 134 |
| Noncurrent loans to loans | 16.3773% | 141 |
| Net loans and leases to total assets | 57.5282% | 5,483 |
| Net loans and leases to deposits | 65.5197% | 5,871 |
| Net loans and leases to core deposits | 73.1528% | 5,537 |
| Total domestic deposits to total assets | 87.8030% | 2,105 |
| Equity capital to assets | 1.7713% | 7,797 |
| Core capital (leverage) ratio | 1.3650% | 7,801 |
| Tier 1 risk-based capital ratio | 1.9095% | 7,799 |
| Total risk-based capital ratio | 3.1968% | 7,800 |
| Memoranda: | ||
| Average total assets | $622,684,000 | 1,082 |
| Average earning assets | $526,988,670 | 1,173 |
| Average equity | $13,379,330 | 4,356 |
| Average total loans | $395,155,000 | 1,166 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1332% | 4,376 |
| Cost of funding earning assets | 1.7644% | 2,044 |
| Net interest margin | 3.3688% | 5,711 |
| Noninterest income to average assets | 0.9842% | 1,348 |
| Noninterest expense to average assets | 4.3337% | 694 |
| Loan and lease loss provision to assets | 0.0119% | 6,497 |
| Net operating income to assets | -0.4853% | 6,816 |
| Return on assets (ROA) | 0.5663% | 4,194 |
| Pretax return on assets | 0.5663% | 4,733 |
| Return on Equity (ROE) | 24.4020% | 176 |
| Retained earnings to average equity (ytd only) | 24.4020% | 106 |
| Net charge-offs to loans | 1.6079% | 1,084 |
| Credit loss provision to net charge-offs | 1.1391% | 5,119 |
| Earnings coverage of net charge-offs (x) | -0.4550% | 5,265 |
| Efficiency ratio | 112.0052% | 557 |
| Assets per employee ($millions) | 3.6772% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8184% | 109 |
| Loan loss allowance to noncurrent loans | 34.2154% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 15.3943% | 129 |
| Noncurrent loans to loans | 17.0053% | 131 |
| Net loans and leases to total assets | 59.2080% | 5,256 |
| Net loans and leases to deposits | 67.5669% | 5,642 |
| Net loans and leases to core deposits | 75.3808% | 5,348 |
| Total domestic deposits to total assets | 87.6288% | 2,276 |
| Equity capital to assets | 2.2624% | 7,878 |
| Core capital (leverage) ratio | 1.9387% | 7,883 |
| Tier 1 risk-based capital ratio | 2.5942% | 7,887 |
| Total risk-based capital ratio | 3.8879% | 7,885 |
| Memoranda: | ||
| Average total assets | $641,303,500 | 1,082 |
| Average earning assets | $547,500,000 | 1,147 |
| Average equity | $14,884,000 | 4,042 |
| Average total loans | $414,941,000 | 1,134 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4641% | 4,364 |
| Cost of funding earning assets | 1.9894% | 3,007 |
| Net interest margin | 3.4747% | 5,069 |
| Noninterest income to average assets | 1.1319% | 1,202 |
| Noninterest expense to average assets | 5.2550% | 445 |
| Loan and lease loss provision to assets | 7.5961% | 53 |
| Net operating income to assets | -8.6258% | 7,949 |
| Return on assets (ROA) | -8.5234% | 7,946 |
| Pretax return on assets | -8.5673% | 7,934 |
| Return on Equity (ROE) | -98.0192% | 7,925 |
| Retained earnings to average equity (ytd only) | -98.0192% | 7,924 |
| Net charge-offs to loans | 9.6611% | 43 |
| Credit loss provision to net charge-offs | 113.7862% | 4,818 |
| Earnings coverage of net charge-offs (x) | -0.1610% | 6,399 |
| Efficiency ratio | 121.8978% | 577 |
| Assets per employee ($millions) | 3.6111% | 4,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8584% | 104 |
| Loan loss allowance to noncurrent loans | 34.5026% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 15.3177% | 130 |
| Noncurrent loans to loans | 16.9796% | 113 |
| Net loans and leases to total assets | 62.6336% | 4,881 |
| Net loans and leases to deposits | 71.1578% | 5,449 |
| Net loans and leases to core deposits | 92.3088% | 4,845 |
| Total domestic deposits to total assets | 88.0207% | 1,969 |
| Equity capital to assets | 2.3791% | 7,947 |
| Core capital (leverage) ratio | 1.6530% | 7,967 |
| Tier 1 risk-based capital ratio | 2.3414% | 7,961 |
| Total risk-based capital ratio | 3.6377% | 7,963 |
| Memoranda: | ||
| Average total assets | $713,658,800 | 956 |
| Average earning assets | $626,125,200 | 999 |
| Average equity | $62,057,200 | 1,064 |
| Average total loans | $493,131,800 | 980 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5679% | 4,051 |
| Cost of funding earning assets | 2.0087% | 3,316 |
| Net interest margin | 3.5592% | 4,640 |
| Noninterest income to average assets | 1.1197% | 1,265 |
| Noninterest expense to average assets | 3.7273% | 1,756 |
| Loan and lease loss provision to assets | 1.6910% | 1,097 |
| Net operating income to assets | -1.1232% | 6,918 |
| Return on assets (ROA) | -1.0657% | 6,878 |
| Pretax return on assets | -1.1007% | 6,760 |
| Return on Equity (ROE) | -10.5690% | 6,933 |
| Retained earnings to average equity (ytd only) | -10.5690% | 6,858 |
| Net charge-offs to loans | 3.0015% | 557 |
| Credit loss provision to net charge-offs | 80.8718% | 5,741 |
| Earnings coverage of net charge-offs (x) | 0.2540% | 5,763 |
| Efficiency ratio | 87.3239% | 1,936 |
| Assets per employee ($millions) | 3.8719% | 4,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2925% | 511 |
| Loan loss allowance to noncurrent loans | 34.2004% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 9.7660% | 363 |
| Noncurrent loans to loans | 9.6272% | 425 |
| Net loans and leases to total assets | 67.1644% | 4,144 |
| Net loans and leases to deposits | 83.6127% | 3,709 |
| Net loans and leases to core deposits | 107.5826% | 3,522 |
| Total domestic deposits to total assets | 80.3280% | 5,317 |
| Equity capital to assets | 9.9183% | 4,193 |
| Core capital (leverage) ratio | 9.0421% | 4,587 |
| Tier 1 risk-based capital ratio | 11.1977% | 5,759 |
| Total risk-based capital ratio | 12.4670% | 5,683 |
| Memoranda: | ||
| Average total assets | $731,381,500 | 942 |
| Average earning assets | $644,964,000 | 979 |
| Average equity | $73,748,500 | 892 |
| Average total loans | $509,504,250 | 953 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5622% | 4,270 |
| Cost of funding earning assets | 2.0601% | 3,475 |
| Net interest margin | 3.5021% | 4,790 |
| Noninterest income to average assets | 1.2059% | 1,073 |
| Noninterest expense to average assets | 3.6719% | 1,893 |
| Loan and lease loss provision to assets | 1.6204% | 1,037 |
| Net operating income to assets | -0.9238% | 6,913 |
| Return on assets (ROA) | -0.8415% | 6,865 |
| Pretax return on assets | -0.8990% | 6,748 |
| Return on Equity (ROE) | -8.3019% | 6,918 |
| Retained earnings to average equity (ytd only) | -8.3019% | 6,704 |
| Net charge-offs to loans | 4.2390% | 320 |
| Credit loss provision to net charge-offs | 54.8198% | 5,682 |
| Earnings coverage of net charge-offs (x) | 0.2144% | 5,458 |
| Efficiency ratio | 85.0774% | 2,347 |
| Assets per employee ($millions) | 3.9371% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7824% | 691 |
| Loan loss allowance to noncurrent loans | 31.8339% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 9.0900% | 371 |
| Noncurrent loans to loans | 8.7405% | 461 |
| Net loans and leases to total assets | 65.3971% | 4,684 |
| Net loans and leases to deposits | 82.6783% | 4,107 |
| Net loans and leases to core deposits | 106.8477% | 3,737 |
| Total domestic deposits to total assets | 79.0983% | 5,788 |
| Equity capital to assets | 9.9035% | 4,078 |
| Core capital (leverage) ratio | 9.0173% | 4,598 |
| Tier 1 risk-based capital ratio | 11.6803% | 5,214 |
| Total risk-based capital ratio | 12.9439% | 5,137 |
| Memoranda: | ||
| Average total assets | $737,701,330 | 947 |
| Average earning assets | $652,975,000 | 976 |
| Average equity | $74,778,000 | 886 |
| Average total loans | $514,410,670 | 969 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5365% | 4,720 |
| Cost of funding earning assets | 2.1147% | 3,585 |
| Net interest margin | 3.4217% | 5,044 |
| Noninterest income to average assets | 1.5122% | 616 |
| Noninterest expense to average assets | 3.3823% | 2,409 |
| Loan and lease loss provision to assets | 0.0806% | 5,937 |
| Net operating income to assets | 1.0799% | 2,034 |
| Return on assets (ROA) | 1.2500% | 1,615 |
| Pretax return on assets | 1.2758% | 2,357 |
| Return on Equity (ROE) | 12.1947% | 1,602 |
| Retained earnings to average equity (ytd only) | 12.1947% | 756 |
| Net charge-offs to loans | 4.4299% | 255 |
| Credit loss provision to net charge-offs | 2.5654% | 5,239 |
| Earnings coverage of net charge-offs (x) | 0.3764% | 4,678 |
| Efficiency ratio | 73.9023% | 3,843 |
| Assets per employee ($millions) | 3.9297% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4483% | 806 |
| Loan loss allowance to noncurrent loans | 21.1424% | 7,106 |
| Noncurrent assets plus other real estate owned to assets | 9.4201% | 254 |
| Noncurrent loans to loans | 11.5801% | 190 |
| Net loans and leases to total assets | 68.2426% | 4,077 |
| Net loans and leases to deposits | 87.7464% | 3,331 |
| Net loans and leases to core deposits | 114.6394% | 2,941 |
| Total domestic deposits to total assets | 77.7725% | 6,088 |
| Equity capital to assets | 10.4255% | 3,540 |
| Core capital (leverage) ratio | 9.6434% | 3,828 |
| Tier 1 risk-based capital ratio | 11.9463% | 5,007 |
| Total risk-based capital ratio | 13.2067% | 4,898 |
| Memoranda: | ||
| Average total assets | $744,342,000 | 940 |
| Average earning assets | $664,107,500 | 960 |
| Average equity | $76,295,500 | 871 |
| Average total loans | $527,961,500 | 947 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4102% | 3,360 |
| Cost of funding earning assets | 2.6841% | 3,237 |
| Net interest margin | 3.7262% | 4,354 |
| Noninterest income to average assets | 0.9267% | 1,870 |
| Noninterest expense to average assets | 4.3007% | 1,047 |
| Loan and lease loss provision to assets | 1.6661% | 784 |
| Net operating income to assets | -1.6870% | 7,527 |
| Return on assets (ROA) | -1.6870% | 7,479 |
| Pretax return on assets | -1.7014% | 7,339 |
| Return on Equity (ROE) | -14.9021% | 7,584 |
| Retained earnings to average equity (ytd only) | -31.6846% | 7,941 |
| Net charge-offs to loans | 0.9210% | 1,344 |
| Credit loss provision to net charge-offs | 239.1462% | 1,969 |
| Earnings coverage of net charge-offs (x) | -0.0507% | 6,281 |
| Efficiency ratio | 100.5880% | 961 |
| Assets per employee ($millions) | 3.8447% | 3,867 |
| Cash dividends to net income (ytd only)* | -112.6177% | 8,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4642% | 288 |
| Loan loss allowance to noncurrent loans | 43.4931% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 6.9549% | 381 |
| Noncurrent loans to loans | 7.9649% | 340 |
| Net loans and leases to total assets | 69.4195% | 4,161 |
| Net loans and leases to deposits | 89.2073% | 3,601 |
| Net loans and leases to core deposits | 113.7083% | 3,372 |
| Total domestic deposits to total assets | 77.8182% | 5,770 |
| Equity capital to assets | 10.0735% | 3,949 |
| Core capital (leverage) ratio | 9.0086% | 4,728 |
| Tier 1 risk-based capital ratio | 11.4116% | 5,324 |
| Total risk-based capital ratio | 12.6832% | 5,206 |
| Memoranda: | ||
| Average total assets | $793,468,200 | 853 |
| Average earning assets | $710,970,800 | 859 |
| Average equity | $89,826,000 | 744 |
| Average total loans | $600,209,800 | 797 |