Home > The First National Bank of Akron > Performance and Condition Ratios
The First National Bank of Akron, Performance and Condition Ratios
| 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 | 4.7955% | 5,903 |
| Cost of funding earning assets | 1.6083% | 2,912 |
| Net interest margin | 3.1872% | 6,328 |
| Noninterest income to average assets | 1.0734% | 1,100 |
| Noninterest expense to average assets | 2.0441% | 7,077 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4001% | 1,074 |
| Return on assets (ROA) | 1.4001% | 1,146 |
| Pretax return on assets | 2.0628% | 541 |
| Return on Equity (ROE) | 15.8207% | 744 |
| Retained earnings to average equity (ytd only) | -142.3863% | 7,862 |
| Net charge-offs to loans | -0.0295% | 7,189 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7727% | 7,334 |
| Assets per employee ($millions) | 1.9284% | 7,699 |
| Cash dividends to net income (ytd only)* | 1,000.0000% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9315% | 871 |
| Loan loss allowance to noncurrent loans | 411.1111% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 6,350 |
| Noncurrent loans to loans | 0.7131% | 5,907 |
| Net loans and leases to total assets | 60.6435% | 5,010 |
| Net loans and leases to deposits | 69.3552% | 5,425 |
| Net loans and leases to core deposits | 73.0453% | 5,602 |
| Total domestic deposits to total assets | 87.4390% | 2,390 |
| Equity capital to assets | 7.3400% | 7,187 |
| Core capital (leverage) ratio | 6.8494% | 7,327 |
| Tier 1 risk-based capital ratio | 12.1248% | 5,061 |
| Total risk-based capital ratio | 13.3979% | 5,006 |
| Memoranda: | ||
| Average total assets | $42,855,000 | 6,989 |
| Average earning assets | $40,788,500 | 6,904 |
| Average equity | $3,792,500 | 7,253 |
| Average total loans | $27,124,500 | 6,771 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1854% | 5,718 |
| Cost of funding earning assets | 2.0678% | 2,642 |
| Net interest margin | 3.1175% | 6,320 |
| Noninterest income to average assets | 1.3397% | 833 |
| Noninterest expense to average assets | 2.5336% | 6,015 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2518% | 1,129 |
| Return on assets (ROA) | 1.2518% | 1,186 |
| Pretax return on assets | 1.7816% | 658 |
| Return on Equity (ROE) | 12.8443% | 998 |
| Retained earnings to average equity (ytd only) | 12.8443% | 163 |
| Net charge-offs to loans | -0.0144% | 7,772 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7131% | 6,660 |
| Assets per employee ($millions) | 4.8094% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7934% | 935 |
| Loan loss allowance to noncurrent loans | 472.5610% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 6,504 |
| Noncurrent loans to loans | 0.5911% | 6,058 |
| Net loans and leases to total assets | 62.3056% | 4,925 |
| Net loans and leases to deposits | 74.5845% | 4,940 |
| Net loans and leases to core deposits | 88.6876% | 5,254 |
| Total domestic deposits to total assets | 83.5370% | 4,262 |
| Equity capital to assets | 10.3292% | 3,367 |
| Core capital (leverage) ratio | 10.1421% | 2,960 |
| Tier 1 risk-based capital ratio | 16.3972% | 2,356 |
| Total risk-based capital ratio | 17.6693% | 2,300 |
| Memoranda: | ||
| Average total assets | $43,218,400 | 6,982 |
| Average earning assets | $41,250,600 | 6,897 |
| Average equity | $4,212,000 | 7,206 |
| Average total loans | $27,712,600 | 6,759 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2253% | 5,777 |
| Cost of funding earning assets | 2.1522% | 2,634 |
| Net interest margin | 3.0731% | 6,388 |
| Noninterest income to average assets | 1.3271% | 871 |
| Noninterest expense to average assets | 2.3918% | 6,439 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2870% | 1,254 |
| Return on assets (ROA) | 1.2870% | 1,322 |
| Pretax return on assets | 1.8702% | 699 |
| Return on Equity (ROE) | 13.4062% | 1,029 |
| Retained earnings to average equity (ytd only) | 13.4062% | 233 |
| Net charge-offs to loans | -0.0481% | 7,854 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1188% | 6,985 |
| Assets per employee ($millions) | 4.7314% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8462% | 753 |
| Loan loss allowance to noncurrent loans | 93.5329% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 1.9609% | 3,399 |
| Noncurrent loans to loans | 3.0430% | 2,490 |
| Net loans and leases to total assets | 62.6048% | 5,139 |
| Net loans and leases to deposits | 75.1000% | 5,196 |
| Net loans and leases to core deposits | 90.8437% | 5,354 |
| Total domestic deposits to total assets | 83.3619% | 4,034 |
| Equity capital to assets | 10.2670% | 3,767 |
| Core capital (leverage) ratio | 9.8375% | 3,468 |
| Tier 1 risk-based capital ratio | 16.3537% | 2,493 |
| Total risk-based capital ratio | 17.6249% | 2,425 |
| Memoranda: | ||
| Average total assets | $43,201,750 | 7,034 |
| Average earning assets | $41,260,000 | 6,947 |
| Average equity | $4,147,250 | 7,305 |
| Average total loans | $27,704,750 | 6,815 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2691% | 5,796 |
| Cost of funding earning assets | 2.1955% | 2,814 |
| Net interest margin | 3.0736% | 6,321 |
| Noninterest income to average assets | 1.1749% | 1,133 |
| Noninterest expense to average assets | 2.5157% | 6,069 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1104% | 1,737 |
| Return on assets (ROA) | 1.1104% | 1,816 |
| Pretax return on assets | 1.5942% | 1,217 |
| Return on Equity (ROE) | 11.8360% | 1,469 |
| Retained earnings to average equity (ytd only) | 11.8360% | 469 |
| Net charge-offs to loans | -0.0576% | 7,872 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2108% | 6,367 |
| Assets per employee ($millions) | 3.9040% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9418% | 596 |
| Loan loss allowance to noncurrent loans | 771.2871% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 6,910 |
| Noncurrent loans to loans | 0.3814% | 6,554 |
| Net loans and leases to total assets | 59.8477% | 5,700 |
| Net loans and leases to deposits | 71.1604% | 5,852 |
| Net loans and leases to core deposits | 85.6929% | 5,937 |
| Total domestic deposits to total assets | 84.1026% | 3,708 |
| Equity capital to assets | 9.7359% | 4,298 |
| Core capital (leverage) ratio | 9.2551% | 4,228 |
| Tier 1 risk-based capital ratio | 16.3676% | 2,495 |
| Total risk-based capital ratio | 17.6382% | 2,433 |
| Memoranda: | ||
| Average total assets | $43,408,000 | 7,082 |
| Average earning assets | $41,449,330 | 6,994 |
| Average equity | $4,072,330 | 7,386 |
| Average total loans | $27,793,000 | 6,856 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4040% | 5,405 |
| Cost of funding earning assets | 2.2445% | 2,940 |
| Net interest margin | 3.1596% | 5,988 |
| Noninterest income to average assets | 1.3382% | 798 |
| Noninterest expense to average assets | 2.4748% | 5,935 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2832% | 1,423 |
| Return on assets (ROA) | 1.2832% | 1,524 |
| Pretax return on assets | 1.8698% | 860 |
| Return on Equity (ROE) | 13.9373% | 1,179 |
| Retained earnings to average equity (ytd only) | 13.9373% | 521 |
| Net charge-offs to loans | -0.0844% | 7,835 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9620% | 6,839 |
| Assets per employee ($millions) | 3.9597% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8463% | 555 |
| Loan loss allowance to noncurrent loans | 792.8571% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 6,857 |
| Noncurrent loans to loans | 0.3590% | 6,532 |
| Net loans and leases to total assets | 60.8903% | 5,511 |
| Net loans and leases to deposits | 73.2207% | 5,584 |
| Net loans and leases to core deposits | 87.1002% | 5,829 |
| Total domestic deposits to total assets | 83.1600% | 4,065 |
| Equity capital to assets | 9.4107% | 4,795 |
| Core capital (leverage) ratio | 9.1000% | 4,558 |
| Tier 1 risk-based capital ratio | 15.3543% | 2,913 |
| Total risk-based capital ratio | 16.6276% | 2,836 |
| Memoranda: | ||
| Average total assets | $43,640,000 | 7,114 |
| Average earning assets | $41,524,500 | 7,039 |
| Average equity | $4,018,000 | 7,449 |
| Average total loans | $28,449,500 | 6,852 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8991% | 6,041 |
| Cost of funding earning assets | 2.6093% | 3,640 |
| Net interest margin | 3.2898% | 6,074 |
| Noninterest income to average assets | 1.4849% | 637 |
| Noninterest expense to average assets | 2.5973% | 5,663 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3415% | 1,368 |
| Return on assets (ROA) | 1.3415% | 1,317 |
| Pretax return on assets | 1.9960% | 612 |
| Return on Equity (ROE) | 14.5927% | 998 |
| Retained earnings to average equity (ytd only) | 2.0128% | 3,980 |
| Net charge-offs to loans | 0.0139% | 6,704 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 215.7500% | 220 |
| Efficiency ratio | 56.5458% | 6,936 |
| Assets per employee ($millions) | 3.9748% | 3,577 |
| Cash dividends to net income (ytd only)* | 86.2069% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6047% | 609 |
| Loan loss allowance to noncurrent loans | 988.4615% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 6,851 |
| Noncurrent loans to loans | 0.2635% | 6,587 |
| Net loans and leases to total assets | 65.9355% | 4,857 |
| Net loans and leases to deposits | 79.8521% | 5,069 |
| Net loans and leases to core deposits | 95.2867% | 5,315 |
| Total domestic deposits to total assets | 82.5721% | 3,964 |
| Equity capital to assets | 9.0044% | 5,361 |
| Core capital (leverage) ratio | 8.7907% | 5,054 |
| Tier 1 risk-based capital ratio | 13.7749% | 3,656 |
| Total risk-based capital ratio | 15.0431% | 3,569 |
| Memoranda: | ||
| Average total assets | $43,236,400 | 7,067 |
| Average earning assets | $40,854,000 | 7,005 |
| Average equity | $3,974,600 | 7,520 |
| Average total loans | $28,861,400 | 6,778 |