Home > The Farmers National Bank of Seymour > Performance and Condition Ratios
The Farmers National Bank of Seymour, Performance and Condition Ratios
| 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 | 5.5473% | 2,267 |
| Cost of funding earning assets | 0.8634% | 6,534 |
| Net interest margin | 4.6838% | 876 |
| Noninterest income to average assets | 0.9357% | 1,666 |
| Noninterest expense to average assets | 3.0788% | 3,428 |
| Loan and lease loss provision to assets | 0.1559% | 5,480 |
| Net operating income to assets | 1.8825% | 421 |
| Return on assets (ROA) | 1.8825% | 466 |
| Pretax return on assets | 1.8825% | 794 |
| Return on Equity (ROE) | 17.1600% | 571 |
| Retained earnings to average equity (ytd only) | 8.0215% | 1,414 |
| Net charge-offs to loans | 0.2717% | 4,317 |
| Credit loss provision to net charge-offs | 63.6364% | 5,599 |
| Earnings coverage of net charge-offs (x) | 8.3184% | 2,182 |
| Efficiency ratio | 60.1654% | 5,922 |
| Assets per employee ($millions) | 3.1601% | 5,782 |
| Cash dividends to net income (ytd only)* | 53.2548% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 6,430 |
| Loan loss allowance to noncurrent loans | 23.3123% | 6,742 |
| Noncurrent assets plus other real estate owned to assets | 3.7008% | 1,924 |
| Noncurrent loans to loans | 4.2547% | 1,712 |
| Net loans and leases to total assets | 86.1195% | 192 |
| Net loans and leases to deposits | 97.2247% | 862 |
| Net loans and leases to core deposits | 105.4621% | 1,365 |
| Total domestic deposits to total assets | 88.5778% | 1,639 |
| Equity capital to assets | 11.2007% | 2,774 |
| Core capital (leverage) ratio | 11.3562% | 2,037 |
| Tier 1 risk-based capital ratio | 13.0350% | 4,555 |
| Total risk-based capital ratio | 14.0390% | 4,715 |
| Memoranda: | ||
| Average total assets | $59,848,250 | 6,275 |
| Average earning assets | $53,430,500 | 6,303 |
| Average equity | $6,565,500 | 6,254 |
| Average total loans | $53,979,750 | 5,391 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6106% | 2,101 |
| Cost of funding earning assets | 0.8703% | 6,693 |
| Net interest margin | 4.7403% | 744 |
| Noninterest income to average assets | 0.8932% | 1,714 |
| Noninterest expense to average assets | 3.0309% | 3,593 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.1444% | 254 |
| Return on assets (ROA) | 2.1444% | 278 |
| Pretax return on assets | 2.1444% | 454 |
| Return on Equity (ROE) | 19.6857% | 346 |
| Retained earnings to average equity (ytd only) | 5.8658% | 2,410 |
| Net charge-offs to loans | -0.0073% | 7,158 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5650% | 6,296 |
| Assets per employee ($millions) | 3.1008% | 5,919 |
| Cash dividends to net income (ytd only)* | 70.2028% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 5,981 |
| Loan loss allowance to noncurrent loans | 38.3459% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 2.4951% | 2,885 |
| Noncurrent loans to loans | 2.8485% | 2,810 |
| Net loans and leases to total assets | 86.2242% | 218 |
| Net loans and leases to deposits | 97.1616% | 945 |
| Net loans and leases to core deposits | 103.7159% | 1,667 |
| Total domestic deposits to total assets | 88.7431% | 1,576 |
| Equity capital to assets | 11.0685% | 2,791 |
| Core capital (leverage) ratio | 10.8506% | 2,368 |
| Tier 1 risk-based capital ratio | 12.8290% | 4,583 |
| Total risk-based capital ratio | 13.9327% | 4,682 |
| Memoranda: | ||
| Average total assets | $59,784,000 | 6,314 |
| Average earning assets | $54,005,000 | 6,323 |
| Average equity | $6,512,330 | 6,292 |
| Average total loans | $54,564,670 | 5,395 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7330% | 1,665 |
| Cost of funding earning assets | 0.8560% | 6,915 |
| Net interest margin | 4.8770% | 550 |
| Noninterest income to average assets | 0.8436% | 1,833 |
| Noninterest expense to average assets | 2.9825% | 3,739 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.3647% | 182 |
| Return on assets (ROA) | 2.3647% | 206 |
| Pretax return on assets | 2.3647% | 315 |
| Return on Equity (ROE) | 21.8808% | 280 |
| Retained earnings to average equity (ytd only) | 21.8808% | 154 |
| Net charge-offs to loans | 0.0071% | 5,500 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 356.0000% | 77 |
| Efficiency ratio | 55.7764% | 6,794 |
| Assets per employee ($millions) | 3.0142% | 6,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 6,539 |
| Loan loss allowance to noncurrent loans | 165.3846% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.5607% | 6,104 |
| Noncurrent loans to loans | 0.5960% | 6,116 |
| Net loans and leases to total assets | 93.1540% | 27 |
| Net loans and leases to deposits | 104.9664% | 478 |
| Net loans and leases to core deposits | 114.4919% | 1,018 |
| Total domestic deposits to total assets | 88.7464% | 1,645 |
| Equity capital to assets | 11.0910% | 2,679 |
| Core capital (leverage) ratio | 10.9933% | 2,236 |
| Tier 1 risk-based capital ratio | 12.0911% | 5,097 |
| Total risk-based capital ratio | 13.1020% | 5,289 |
| Memoranda: | ||
| Average total assets | $60,218,500 | 6,370 |
| Average earning assets | $55,608,000 | 6,340 |
| Average equity | $6,508,000 | 6,345 |
| Average total loans | $56,167,000 | 5,415 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7321% | 2,946 |
| Cost of funding earning assets | 0.9467% | 7,314 |
| Net interest margin | 4.7853% | 712 |
| Noninterest income to average assets | 0.8025% | 2,395 |
| Noninterest expense to average assets | 2.8777% | 4,621 |
| Loan and lease loss provision to assets | 0.2302% | 5,529 |
| Net operating income to assets | 2.1164% | 177 |
| Return on assets (ROA) | 2.1164% | 190 |
| Pretax return on assets | 2.1164% | 329 |
| Return on Equity (ROE) | 19.1256% | 295 |
| Retained earnings to average equity (ytd only) | -4.6514% | 5,979 |
| Net charge-offs to loans | 0.3507% | 4,475 |
| Credit loss provision to net charge-offs | 70.3518% | 6,487 |
| Earnings coverage of net charge-offs (x) | 7.1709% | 2,207 |
| Efficiency ratio | 55.0834% | 7,120 |
| Assets per employee ($millions) | 3.1660% | 5,802 |
| Cash dividends to net income (ytd only)* | 124.3201% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 6,344 |
| Loan loss allowance to noncurrent loans | 176.3407% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5270% | 6,134 |
| Noncurrent loans to loans | 0.5699% | 6,100 |
| Net loans and leases to total assets | 91.5317% | 48 |
| Net loans and leases to deposits | 102.4372% | 726 |
| Net loans and leases to core deposits | 130.7621% | 1,239 |
| Total domestic deposits to total assets | 89.3540% | 1,293 |
| Equity capital to assets | 10.5230% | 3,151 |
| Core capital (leverage) ratio | 10.5305% | 2,572 |
| Tier 1 risk-based capital ratio | 11.4851% | 5,403 |
| Total risk-based capital ratio | 12.4993% | 5,621 |
| Memoranda: | ||
| Average total assets | $60,812,000 | 6,316 |
| Average earning assets | $56,192,600 | 6,284 |
| Average equity | $6,729,200 | 6,356 |
| Average total loans | $56,747,600 | 5,392 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7392% | 3,142 |
| Cost of funding earning assets | 0.9774% | 7,435 |
| Net interest margin | 4.7618% | 736 |
| Noninterest income to average assets | 0.7675% | 2,611 |
| Noninterest expense to average assets | 2.9278% | 4,324 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.2500% | 164 |
| Return on assets (ROA) | 2.2500% | 179 |
| Pretax return on assets | 2.2500% | 314 |
| Return on Equity (ROE) | 20.0903% | 308 |
| Retained earnings to average equity (ytd only) | 8.3759% | 1,019 |
| Net charge-offs to loans | 0.0047% | 6,909 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 513.8464% | 67 |
| Efficiency ratio | 56.5456% | 6,930 |
| Assets per employee ($millions) | 3.0394% | 6,062 |
| Cash dividends to net income (ytd only)* | 58.3089% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 5,447 |
| Loan loss allowance to noncurrent loans | 1,502.4390% | 252 |
| Noncurrent assets plus other real estate owned to assets | 1.5031% | 4,112 |
| Noncurrent loans to loans | 0.0762% | 7,304 |
| Net loans and leases to total assets | 92.1644% | 51 |
| Net loans and leases to deposits | 105.3211% | 691 |
| Net loans and leases to core deposits | 133.9676% | 1,209 |
| Total domestic deposits to total assets | 87.5080% | 1,881 |
| Equity capital to assets | 12.2461% | 2,098 |
| Core capital (leverage) ratio | 11.8235% | 1,887 |
| Tier 1 risk-based capital ratio | 13.0220% | 4,178 |
| Total risk-based capital ratio | 14.1563% | 4,196 |
| Memoranda: | ||
| Average total assets | $60,976,500 | 6,356 |
| Average earning assets | $56,475,750 | 6,315 |
| Average equity | $6,829,000 | 6,383 |
| Average total loans | $57,029,750 | 5,428 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6428% | 3,855 |
| Cost of funding earning assets | 1.0076% | 7,542 |
| Net interest margin | 4.6352% | 896 |
| Noninterest income to average assets | 0.7091% | 2,936 |
| Noninterest expense to average assets | 2.8879% | 4,545 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.1208% | 227 |
| Return on assets (ROA) | 2.1208% | 246 |
| Pretax return on assets | 2.1208% | 413 |
| Return on Equity (ROE) | 19.5021% | 368 |
| Retained earnings to average equity (ytd only) | 1.7190% | 4,385 |
| Net charge-offs to loans | 0.0138% | 6,358 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 164.5000% | 252 |
| Efficiency ratio | 57.6577% | 6,917 |
| Assets per employee ($millions) | 3.0352% | 6,039 |
| Cash dividends to net income (ytd only)* | 91.1854% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 5,644 |
| Loan loss allowance to noncurrent loans | 2,050.0000% | 197 |
| Noncurrent assets plus other real estate owned to assets | 1.6309% | 3,765 |
| Noncurrent loans to loans | 0.0534% | 7,403 |
| Net loans and leases to total assets | 91.5772% | 66 |
| Net loans and leases to deposits | 103.1871% | 974 |
| Net loans and leases to core deposits | 132.4352% | 1,411 |
| Total domestic deposits to total assets | 88.7487% | 1,404 |
| Equity capital to assets | 11.0372% | 2,885 |
| Core capital (leverage) ratio | 10.9910% | 2,402 |
| Tier 1 risk-based capital ratio | 11.8331% | 5,068 |
| Total risk-based capital ratio | 12.9192% | 5,156 |
| Memoranda: | ||
| Average total assets | $62,052,330 | 6,369 |
| Average earning assets | $57,559,670 | 6,333 |
| Average equity | $6,748,000 | 6,451 |
| Average total loans | $58,093,000 | 5,419 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6778% | 3,909 |
| Cost of funding earning assets | 1.0454% | 7,602 |
| Net interest margin | 4.6324% | 889 |
| Noninterest income to average assets | 0.6760% | 3,027 |
| Noninterest expense to average assets | 2.7166% | 4,926 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.2829% | 202 |
| Return on assets (ROA) | 2.2829% | 233 |
| Pretax return on assets | 2.2829% | 379 |
| Return on Equity (ROE) | 21.1459% | 354 |
| Retained earnings to average equity (ytd only) | 15.2392% | 390 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3367% | 7,186 |
| Assets per employee ($millions) | 3.1095% | 5,869 |
| Cash dividends to net income (ytd only)* | 27.9330% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 5,772 |
| Loan loss allowance to noncurrent loans | 62.1106% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.6916% | 3,388 |
| Noncurrent loans to loans | 1.7009% | 3,707 |
| Net loans and leases to total assets | 93.0728% | 43 |
| Net loans and leases to deposits | 104.9081% | 948 |
| Net loans and leases to core deposits | 133.3042% | 1,460 |
| Total domestic deposits to total assets | 88.7184% | 1,372 |
| Equity capital to assets | 11.0966% | 2,890 |
| Core capital (leverage) ratio | 10.6251% | 2,809 |
| Tier 1 risk-based capital ratio | 11.9009% | 5,043 |
| Total risk-based capital ratio | 12.9667% | 5,116 |
| Memoranda: | ||
| Average total assets | $62,726,500 | 6,368 |
| Average earning assets | $58,544,000 | 6,323 |
| Average equity | $6,772,000 | 6,494 |
| Average total loans | $59,036,500 | 5,401 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6038% | 2,473 |
| Cost of funding earning assets | 1.7585% | 7,114 |
| Net interest margin | 4.8453% | 713 |
| Noninterest income to average assets | 0.7497% | 2,785 |
| Noninterest expense to average assets | 2.4280% | 6,305 |
| Loan and lease loss provision to assets | 0.2631% | 4,294 |
| Net operating income to assets | 2.5060% | 124 |
| Return on assets (ROA) | 2.5060% | 126 |
| Pretax return on assets | 2.5060% | 193 |
| Return on Equity (ROE) | 24.6769% | 147 |
| Retained earnings to average equity (ytd only) | -4.3237% | 6,383 |
| Net charge-offs to loans | 0.0300% | 6,403 |
| Credit loss provision to net charge-offs | 955.5556% | 464 |
| Earnings coverage of net charge-offs (x) | 100.5556% | 433 |
| Efficiency ratio | 46.7177% | 7,888 |
| Assets per employee ($millions) | 3.1632% | 5,584 |
| Cash dividends to net income (ytd only)* | 117.5214% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 5,743 |
| Loan loss allowance to noncurrent loans | 1,667.5676% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 7,334 |
| Noncurrent loans to loans | 0.0621% | 7,257 |
| Net loans and leases to total assets | 93.1919% | 49 |
| Net loans and leases to deposits | 104.3691% | 1,306 |
| Net loans and leases to core deposits | 131.8189% | 1,734 |
| Total domestic deposits to total assets | 89.2907% | 925 |
| Equity capital to assets | 10.5006% | 3,503 |
| Core capital (leverage) ratio | 10.1642% | 3,308 |
| Tier 1 risk-based capital ratio | 11.1544% | 5,593 |
| Total risk-based capital ratio | 12.1904% | 5,694 |
| Memoranda: | ||
| Average total assets | $65,363,600 | 6,181 |
| Average earning assets | $59,996,000 | 6,170 |
| Average equity | $6,637,800 | 6,591 |
| Average total loans | $59,961,200 | 5,269 |