Home > The First National Bank of Barnesville > Performance and Condition Ratios
The First National Bank of Barnesville, 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 | 5.0946% | 4,349 |
| Cost of funding earning assets | 2.0936% | 546 |
| Net interest margin | 3.0010% | 6,829 |
| Noninterest income to average assets | -0.2416% | 7,615 |
| Noninterest expense to average assets | 3.4190% | 2,238 |
| Loan and lease loss provision to assets | 6.0531% | 48 |
| Net operating income to assets | -7.1115% | 7,717 |
| Return on assets (ROA) | -7.1115% | 7,719 |
| Pretax return on assets | -7.1115% | 7,714 |
| Return on Equity (ROE) | -152.1779% | 7,728 |
| Retained earnings to average equity (ytd only) | -152.1779% | 7,728 |
| Net charge-offs to loans | 10.7734% | 20 |
| Credit loss provision to net charge-offs | 74.8605% | 5,288 |
| Earnings coverage of net charge-offs (x) | -0.1309% | 6,131 |
| Efficiency ratio | 144.8408% | 226 |
| Assets per employee ($millions) | 3.6178% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 4,132 |
| Loan loss allowance to noncurrent loans | 5.6530% | 7,231 |
| Noncurrent assets plus other real estate owned to assets | 26.3256% | 16 |
| Noncurrent loans to loans | 25.9173% | 27 |
| Net loans and leases to total assets | 70.8542% | 2,522 |
| Net loans and leases to deposits | 73.0119% | 4,687 |
| Net loans and leases to core deposits | 79.9688% | 4,522 |
| Total domestic deposits to total assets | 97.0447% | 13 |
| Equity capital to assets | 2.1189% | 7,722 |
| Core capital (leverage) ratio | 1.0112% | 7,740 |
| Tier 1 risk-based capital ratio | 1.3248% | 7,740 |
| Total risk-based capital ratio | 2.5749% | 7,741 |
| Memoranda: | ||
| Average total assets | $133,020,000 | 4,249 |
| Average earning assets | $115,335,500 | 4,394 |
| Average equity | $6,216,250 | 6,390 |
| Average total loans | $99,836,000 | 3,863 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6256% | 2,041 |
| Cost of funding earning assets | 2.1013% | 655 |
| Net interest margin | 3.5243% | 5,140 |
| Noninterest income to average assets | -0.4587% | 7,744 |
| Noninterest expense to average assets | 3.4761% | 2,080 |
| Loan and lease loss provision to assets | 8.9366% | 11 |
| Net operating income to assets | -9.8037% | 7,804 |
| Return on assets (ROA) | -9.8037% | 7,805 |
| Pretax return on assets | -9.8037% | 7,807 |
| Return on Equity (ROE) | -179.1994% | 7,792 |
| Retained earnings to average equity (ytd only) | -179.1994% | 7,792 |
| Net charge-offs to loans | 11.2432% | 27 |
| Credit loss provision to net charge-offs | 104.5352% | 3,904 |
| Earnings coverage of net charge-offs (x) | -0.1014% | 5,802 |
| Efficiency ratio | 133.2388% | 293 |
| Assets per employee ($millions) | 3.7535% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7178% | 465 |
| Loan loss allowance to noncurrent loans | 33.4102% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 15.0890% | 145 |
| Noncurrent loans to loans | 11.1276% | 357 |
| Net loans and leases to total assets | 71.4403% | 2,553 |
| Net loans and leases to deposits | 73.8322% | 4,701 |
| Net loans and leases to core deposits | 80.5199% | 4,630 |
| Total domestic deposits to total assets | 96.7604% | 14 |
| Equity capital to assets | 2.4114% | 7,775 |
| Core capital (leverage) ratio | 1.3223% | 7,803 |
| Tier 1 risk-based capital ratio | 1.7650% | 7,806 |
| Total risk-based capital ratio | 3.0433% | 7,805 |
| Memoranda: | ||
| Average total assets | $135,152,670 | 4,236 |
| Average earning assets | $117,641,330 | 4,376 |
| Average equity | $7,394,000 | 5,999 |
| Average total loans | $102,764,330 | 3,809 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7482% | 1,621 |
| Cost of funding earning assets | 2.1271% | 742 |
| Net interest margin | 3.6211% | 4,619 |
| Noninterest income to average assets | 0.6042% | 3,254 |
| Noninterest expense to average assets | 3.4442% | 2,121 |
| Loan and lease loss provision to assets | 1.9031% | 588 |
| Net operating income to assets | -1.0537% | 7,138 |
| Return on assets (ROA) | -1.0537% | 7,158 |
| Pretax return on assets | -1.5878% | 7,286 |
| Return on Equity (ROE) | -15.1888% | 7,316 |
| Retained earnings to average equity (ytd only) | -15.1888% | 7,215 |
| Net charge-offs to loans | 3.4381% | 415 |
| Credit loss provision to net charge-offs | 71.9647% | 4,060 |
| Earnings coverage of net charge-offs (x) | 0.1192% | 4,924 |
| Efficiency ratio | 91.6149% | 1,309 |
| Assets per employee ($millions) | 3.7915% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0022% | 820 |
| Loan loss allowance to noncurrent loans | 31.8998% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 13.5794% | 183 |
| Noncurrent loans to loans | 9.4113% | 480 |
| Net loans and leases to total assets | 73.5688% | 2,064 |
| Net loans and leases to deposits | 81.7868% | 3,319 |
| Net loans and leases to core deposits | 90.2349% | 3,337 |
| Total domestic deposits to total assets | 89.9519% | 1,011 |
| Equity capital to assets | 6.8450% | 7,429 |
| Core capital (leverage) ratio | 6.6995% | 7,390 |
| Tier 1 risk-based capital ratio | 8.5175% | 7,558 |
| Total risk-based capital ratio | 9.7874% | 7,575 |
| Memoranda: | ||
| Average total assets | $137,042,000 | 4,249 |
| Average earning assets | $119,411,000 | 4,390 |
| Average equity | $9,507,000 | 5,378 |
| Average total loans | $105,407,500 | 3,793 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0147% | 1,810 |
| Cost of funding earning assets | 2.5291% | 951 |
| Net interest margin | 3.4856% | 5,017 |
| Noninterest income to average assets | -0.5155% | 7,947 |
| Noninterest expense to average assets | 2.8507% | 4,747 |
| Loan and lease loss provision to assets | 2.7512% | 675 |
| Net operating income to assets | -1.9568% | 7,075 |
| Return on assets (ROA) | -1.9226% | 7,060 |
| Pretax return on assets | -2.9431% | 7,275 |
| Return on Equity (ROE) | -24.8466% | 7,284 |
| Retained earnings to average equity (ytd only) | -24.8466% | 7,257 |
| Net charge-offs to loans | 2.1800% | 1,104 |
| Credit loss provision to net charge-offs | 157.1200% | 2,871 |
| Earnings coverage of net charge-offs (x) | -0.1396% | 6,376 |
| Efficiency ratio | 109.3792% | 810 |
| Assets per employee ($millions) | 3.8219% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1336% | 687 |
| Loan loss allowance to noncurrent loans | 30.1201% | 6,464 |
| Noncurrent assets plus other real estate owned to assets | 14.1326% | 166 |
| Noncurrent loans to loans | 10.4036% | 383 |
| Net loans and leases to total assets | 75.5346% | 1,912 |
| Net loans and leases to deposits | 84.1584% | 3,226 |
| Net loans and leases to core deposits | 149.9812% | 507 |
| Total domestic deposits to total assets | 89.7529% | 1,081 |
| Equity capital to assets | 7.0289% | 7,355 |
| Core capital (leverage) ratio | 6.7747% | 7,378 |
| Tier 1 risk-based capital ratio | 8.5659% | 7,574 |
| Total risk-based capital ratio | 9.8368% | 7,604 |
| Memoranda: | ||
| Average total assets | $142,773,200 | 4,062 |
| Average earning assets | $127,869,600 | 4,134 |
| Average equity | $11,047,800 | 5,010 |
| Average total loans | $114,678,400 | 3,590 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9922% | 2,068 |
| Cost of funding earning assets | 2.5908% | 1,057 |
| Net interest margin | 3.4014% | 5,258 |
| Noninterest income to average assets | 0.1943% | 6,826 |
| Noninterest expense to average assets | 2.7227% | 5,234 |
| Loan and lease loss provision to assets | 2.4552% | 682 |
| Net operating income to assets | -1.9194% | 7,285 |
| Return on assets (ROA) | -1.8500% | 7,254 |
| Pretax return on assets | -1.8500% | 7,111 |
| Return on Equity (ROE) | -23.3960% | 7,471 |
| Retained earnings to average equity (ytd only) | -23.3960% | 7,445 |
| Net charge-offs to loans | 0.7289% | 2,536 |
| Credit loss provision to net charge-offs | 416.4835% | 957 |
| Earnings coverage of net charge-offs (x) | 0.9089% | 5,148 |
| Efficiency ratio | 83.5558% | 2,344 |
| Assets per employee ($millions) | 3.8949% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3746% | 469 |
| Loan loss allowance to noncurrent loans | 25.6394% | 6,747 |
| Noncurrent assets plus other real estate owned to assets | 14.2396% | 139 |
| Noncurrent loans to loans | 13.1617% | 214 |
| Net loans and leases to total assets | 78.4820% | 1,486 |
| Net loans and leases to deposits | 87.7596% | 3,013 |
| Net loans and leases to core deposits | 158.8043% | 402 |
| Total domestic deposits to total assets | 89.4284% | 1,008 |
| Equity capital to assets | 7.2763% | 7,439 |
| Core capital (leverage) ratio | 7.1162% | 7,352 |
| Tier 1 risk-based capital ratio | 9.0529% | 7,600 |
| Total risk-based capital ratio | 10.3297% | 7,599 |
| Memoranda: | ||
| Average total assets | $144,069,000 | 4,069 |
| Average earning assets | $129,788,000 | 4,106 |
| Average equity | $11,392,000 | 4,950 |
| Average total loans | $116,525,500 | 3,581 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0111% | 2,138 |
| Cost of funding earning assets | 2.6329% | 1,204 |
| Net interest margin | 3.3782% | 5,257 |
| Noninterest income to average assets | 0.6025% | 3,673 |
| Noninterest expense to average assets | 2.8239% | 4,856 |
| Loan and lease loss provision to assets | 3.6833% | 367 |
| Net operating income to assets | -2.8586% | 7,644 |
| Return on assets (ROA) | -2.7545% | 7,612 |
| Pretax return on assets | -2.7545% | 7,489 |
| Return on Equity (ROE) | -33.9319% | 7,767 |
| Retained earnings to average equity (ytd only) | -33.9319% | 7,743 |
| Net charge-offs to loans | 0.9867% | 1,779 |
| Credit loss provision to net charge-offs | 462.1951% | 1,002 |
| Earnings coverage of net charge-offs (x) | 1.0348% | 4,755 |
| Efficiency ratio | 77.3973% | 3,440 |
| Assets per employee ($millions) | 3.6571% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4489% | 396 |
| Loan loss allowance to noncurrent loans | 30.7793% | 6,424 |
| Noncurrent assets plus other real estate owned to assets | 14.3535% | 113 |
| Noncurrent loans to loans | 11.2054% | 263 |
| Net loans and leases to total assets | 78.7663% | 1,578 |
| Net loans and leases to deposits | 88.8979% | 3,016 |
| Net loans and leases to core deposits | 151.0399% | 627 |
| Total domestic deposits to total assets | 88.6031% | 1,481 |
| Equity capital to assets | 7.2693% | 7,433 |
| Core capital (leverage) ratio | 7.0908% | 7,464 |
| Tier 1 risk-based capital ratio | 8.7295% | 7,807 |
| Total risk-based capital ratio | 10.0049% | 7,850 |
| Memoranda: | ||
| Average total assets | $144,054,670 | 4,102 |
| Average earning assets | $129,892,670 | 4,134 |
| Average equity | $11,694,000 | 4,891 |
| Average total loans | $116,350,000 | 3,617 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0694% | 2,080 |
| Cost of funding earning assets | 2.6103% | 1,528 |
| Net interest margin | 3.4591% | 4,900 |
| Noninterest income to average assets | 0.7350% | 2,682 |
| Noninterest expense to average assets | 2.6967% | 5,022 |
| Loan and lease loss provision to assets | 2.1745% | 543 |
| Net operating income to assets | -0.9947% | 7,252 |
| Return on assets (ROA) | -0.9947% | 7,272 |
| Pretax return on assets | -0.9947% | 7,155 |
| Return on Equity (ROE) | -11.6533% | 7,453 |
| Retained earnings to average equity (ytd only) | -11.6533% | 7,244 |
| Net charge-offs to loans | 0.4366% | 2,361 |
| Credit loss provision to net charge-offs | 619.6850% | 919 |
| Earnings coverage of net charge-offs (x) | 3.3622% | 3,202 |
| Efficiency ratio | 69.5652% | 4,664 |
| Assets per employee ($millions) | 3.7640% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1999% | 1,082 |
| Loan loss allowance to noncurrent loans | 21.2344% | 7,098 |
| Noncurrent assets plus other real estate owned to assets | 11.9153% | 148 |
| Noncurrent loans to loans | 10.3603% | 269 |
| Net loans and leases to total assets | 78.5572% | 1,681 |
| Net loans and leases to deposits | 89.1864% | 3,074 |
| Net loans and leases to core deposits | 153.6119% | 609 |
| Total domestic deposits to total assets | 88.0820% | 1,713 |
| Equity capital to assets | 8.2932% | 6,404 |
| Core capital (leverage) ratio | 8.3244% | 5,860 |
| Tier 1 risk-based capital ratio | 9.9783% | 6,951 |
| Total risk-based capital ratio | 11.2391% | 6,839 |
| Memoranda: | ||
| Average total assets | $144,768,500 | 4,099 |
| Average earning assets | $131,478,500 | 4,118 |
| Average equity | $12,357,000 | 4,735 |
| Average total loans | $116,347,500 | 3,645 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0109% | 1,110 |
| Cost of funding earning assets | 3.0923% | 1,526 |
| Net interest margin | 3.9186% | 3,486 |
| Noninterest income to average assets | 0.3485% | 5,947 |
| Noninterest expense to average assets | 2.8395% | 4,649 |
| Loan and lease loss provision to assets | 0.9153% | 1,626 |
| Net operating income to assets | 0.1051% | 6,101 |
| Return on assets (ROA) | 0.1193% | 5,899 |
| Pretax return on assets | 0.1538% | 5,836 |
| Return on Equity (ROE) | 1.2844% | 5,834 |
| Retained earnings to average equity (ytd only) | -0.4176% | 5,413 |
| Net charge-offs to loans | 1.3543% | 866 |
| Credit loss provision to net charge-offs | 85.1499% | 5,784 |
| Earnings coverage of net charge-offs (x) | 0.9775% | 5,642 |
| Efficiency ratio | 72.9908% | 3,755 |
| Assets per employee ($millions) | 3.5686% | 4,504 |
| Cash dividends to net income (ytd only)* | 132.5153% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6849% | 1,953 |
| Loan loss allowance to noncurrent loans | 29.7951% | 6,713 |
| Noncurrent assets plus other real estate owned to assets | 8.1798% | 278 |
| Noncurrent loans to loans | 5.6550% | 684 |
| Net loans and leases to total assets | 79.0580% | 1,875 |
| Net loans and leases to deposits | 90.5639% | 3,353 |
| Net loans and leases to core deposits | 158.1382% | 616 |
| Total domestic deposits to total assets | 87.2953% | 1,800 |
| Equity capital to assets | 8.7851% | 5,676 |
| Core capital (leverage) ratio | 8.7301% | 5,149 |
| Tier 1 risk-based capital ratio | 10.2702% | 6,451 |
| Total risk-based capital ratio | 11.5243% | 6,319 |
| Memoranda: | ||
| Average total assets | $136,573,400 | 4,146 |
| Average earning assets | $123,437,200 | 4,185 |
| Average equity | $12,691,000 | 4,650 |
| Average total loans | $108,393,000 | 3,724 |