Home > The First National Bank of Canadian > Performance and Condition Ratios
The First National Bank of Canadian, Performance and Condition Ratios
| 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 | 4.3263% | 7,656 |
| Cost of funding earning assets | 0.5998% | 7,888 |
| Net interest margin | 3.7265% | 3,965 |
| Noninterest income to average assets | 0.4024% | 5,262 |
| Noninterest expense to average assets | 1.9172% | 7,517 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.9765% | 308 |
| Return on assets (ROA) | 1.8932% | 392 |
| Pretax return on assets | 1.8932% | 667 |
| Return on Equity (ROE) | 23.6162% | 148 |
| Retained earnings to average equity (ytd only) | 23.6162% | 36 |
| Net charge-offs to loans | 0.0095% | 6,813 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 865.8951% | 30 |
| Efficiency ratio | 49.2389% | 7,607 |
| Assets per employee ($millions) | 5.4653% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 6,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 26.1132% | 7,874 |
| Net loans and leases to deposits | 28.6191% | 7,924 |
| Net loans and leases to core deposits | 36.7732% | 7,891 |
| Total domestic deposits to total assets | 91.2438% | 329 |
| Equity capital to assets | 8.6931% | 5,965 |
| Core capital (leverage) ratio | 8.1974% | 6,020 |
| Tier 1 risk-based capital ratio | 19.6591% | 1,625 |
| Total risk-based capital ratio | 20.2991% | 1,694 |
| Memoranda: | ||
| Average total assets | $116,974,000 | 4,673 |
| Average earning assets | $109,589,500 | 4,607 |
| Average equity | $9,377,500 | 5,527 |
| Average total loans | $28,223,250 | 6,780 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4015% | 7,708 |
| Cost of funding earning assets | 0.6067% | 7,986 |
| Net interest margin | 3.7948% | 3,569 |
| Noninterest income to average assets | 0.1841% | 6,978 |
| Noninterest expense to average assets | 1.7284% | 7,804 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.0246% | 282 |
| Return on assets (ROA) | 1.7987% | 506 |
| Pretax return on assets | 1.7987% | 852 |
| Return on Equity (ROE) | 23.0291% | 195 |
| Retained earnings to average equity (ytd only) | 23.0291% | 55 |
| Net charge-offs to loans | -0.0071% | 7,573 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0544% | 7,847 |
| Assets per employee ($millions) | 5.6416% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7368% | 2,223 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 25.1719% | 7,977 |
| Net loans and leases to deposits | 27.6069% | 8,016 |
| Net loans and leases to core deposits | 35.3796% | 7,990 |
| Total domestic deposits to total assets | 91.1798% | 411 |
| Equity capital to assets | 8.6810% | 5,782 |
| Core capital (leverage) ratio | 8.1648% | 6,046 |
| Tier 1 risk-based capital ratio | 20.0496% | 1,571 |
| Total risk-based capital ratio | 21.0948% | 1,563 |
| Memoranda: | ||
| Average total assets | $119,530,330 | 4,647 |
| Average earning assets | $112,415,670 | 4,555 |
| Average equity | $9,336,000 | 5,566 |
| Average total loans | $28,016,670 | 6,844 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5492% | 7,671 |
| Cost of funding earning assets | 0.6183% | 8,045 |
| Net interest margin | 3.9309% | 2,922 |
| Noninterest income to average assets | 0.1953% | 6,900 |
| Noninterest expense to average assets | 1.6146% | 7,900 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.2852% | 200 |
| Return on assets (ROA) | 2.0671% | 352 |
| Pretax return on assets | 2.0671% | 576 |
| Return on Equity (ROE) | 27.8922% | 130 |
| Retained earnings to average equity (ytd only) | 27.8922% | 63 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4023% | 8,013 |
| Assets per employee ($millions) | 6.1041% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7803% | 1,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 22.6405% | 8,058 |
| Net loans and leases to deposits | 24.5554% | 8,094 |
| Net loans and leases to core deposits | 31.3667% | 8,074 |
| Total domestic deposits to total assets | 92.2020% | 158 |
| Equity capital to assets | 7.7210% | 7,162 |
| Core capital (leverage) ratio | 7.4310% | 7,234 |
| Tier 1 risk-based capital ratio | 19.6338% | 1,688 |
| Total risk-based capital ratio | 20.7042% | 1,674 |
| Memoranda: | ||
| Average total assets | $122,879,500 | 4,581 |
| Average earning assets | $115,800,500 | 4,486 |
| Average equity | $9,106,500 | 5,666 |
| Average total loans | $27,573,000 | 6,909 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9241% | 7,882 |
| Cost of funding earning assets | 1.3718% | 7,775 |
| Net interest margin | 3.5523% | 5,091 |
| Noninterest income to average assets | -0.0760% | 8,192 |
| Noninterest expense to average assets | 1.7419% | 7,821 |
| Loan and lease loss provision to assets | 0.0009% | 7,331 |
| Net operating income to assets | 1.5056% | 1,009 |
| Return on assets (ROA) | 0.4898% | 4,612 |
| Pretax return on assets | 0.4898% | 5,003 |
| Return on Equity (ROE) | 7.0636% | 3,497 |
| Retained earnings to average equity (ytd only) | 5.6665% | 1,684 |
| Net charge-offs to loans | 0.0037% | 6,948 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 1,664.0000% | 18 |
| Efficiency ratio | 53.6232% | 7,310 |
| Assets per employee ($millions) | 5.8894% | 1,204 |
| Cash dividends to net income (ytd only)* | 19.7782% | 4,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8552% | 1,519 |
| Loan loss allowance to noncurrent loans | 160.0639% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 6,562 |
| Noncurrent loans to loans | 1.1590% | 4,211 |
| Net loans and leases to total assets | 21.4300% | 8,134 |
| Net loans and leases to deposits | 23.0815% | 8,177 |
| Net loans and leases to core deposits | 29.3225% | 8,155 |
| Total domestic deposits to total assets | 92.8451% | 65 |
| Equity capital to assets | 7.1048% | 7,680 |
| Core capital (leverage) ratio | 7.2080% | 7,519 |
| Tier 1 risk-based capital ratio | 20.6235% | 1,518 |
| Total risk-based capital ratio | 21.8314% | 1,489 |
| Memoranda: | ||
| Average total assets | $110,454,400 | 4,764 |
| Average earning assets | $103,370,000 | 4,699 |
| Average equity | $7,659,000 | 6,227 |
| Average total loans | $26,845,200 | 6,909 |