Home > The First National Bank of Danville > Performance and Condition Ratios
The First National Bank of Danville, Performance and Condition Ratios
| 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 | 5.5590% | 4,290 |
| Cost of funding earning assets | 1.1351% | 7,288 |
| Net interest margin | 4.4238% | 1,355 |
| Noninterest income to average assets | 2.0286% | 363 |
| Noninterest expense to average assets | 4.8920% | 556 |
| Loan and lease loss provision to assets | 5.7217% | 153 |
| Net operating income to assets | -5.0133% | 7,933 |
| Return on assets (ROA) | -14.8864% | 8,156 |
| Pretax return on assets | -14.8864% | 8,158 |
| Return on Equity (ROE) | -274.9103% | 8,164 |
| Retained earnings to average equity (ytd only) | -274.9103% | 8,164 |
| Net charge-offs to loans | 13.6709% | 28 |
| Credit loss provision to net charge-offs | 70.5667% | 5,406 |
| Earnings coverage of net charge-offs (x) | 0.0874% | 5,588 |
| Efficiency ratio | 85.4931% | 2,290 |
| Assets per employee ($millions) | 1.8762% | 7,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9736% | 266 |
| Loan loss allowance to noncurrent loans | 35.9464% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 10.4495% | 257 |
| Noncurrent loans to loans | 11.0541% | 272 |
| Net loans and leases to total assets | 56.4466% | 6,161 |
| Net loans and leases to deposits | 59.6811% | 6,913 |
| Net loans and leases to core deposits | 64.6129% | 7,267 |
| Total domestic deposits to total assets | 94.5803% | 47 |
| Equity capital to assets | 2.4983% | 8,133 |
| Core capital (leverage) ratio | 0.3767% | 8,171 |
| Tier 1 risk-based capital ratio | 0.4222% | 8,172 |
| Total risk-based capital ratio | 0.8444% | 8,172 |
| Memoranda: | ||
| Average total assets | $161,489,330 | 3,794 |
| Average earning assets | $130,384,330 | 4,127 |
| Average equity | $8,744,670 | 5,762 |
| Average total loans | $95,780,330 | 4,123 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3442% | 5,691 |
| Cost of funding earning assets | 1.0753% | 7,550 |
| Net interest margin | 4.2689% | 1,677 |
| Noninterest income to average assets | 1.8201% | 415 |
| Noninterest expense to average assets | 4.0303% | 1,153 |
| Loan and lease loss provision to assets | 0.2379% | 4,079 |
| Net operating income to assets | 0.9874% | 2,368 |
| Return on assets (ROA) | -17.6892% | 8,210 |
| Pretax return on assets | -17.6488% | 8,207 |
| Return on Equity (ROE) | -263.9918% | 8,213 |
| Retained earnings to average equity (ytd only) | -263.9918% | 8,212 |
| Net charge-offs to loans | 0.1918% | 3,486 |
| Credit loss provision to net charge-offs | 208.3333% | 2,147 |
| Earnings coverage of net charge-offs (x) | 11.0833% | 1,899 |
| Efficiency ratio | 74.2138% | 3,788 |
| Assets per employee ($millions) | 2.1963% | 7,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5438% | 83 |
| Loan loss allowance to noncurrent loans | 43.2822% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 10.5862% | 197 |
| Noncurrent loans to loans | 12.8085% | 154 |
| Net loans and leases to total assets | 56.2790% | 6,198 |
| Net loans and leases to deposits | 63.9923% | 6,563 |
| Net loans and leases to core deposits | 72.5028% | 6,887 |
| Total domestic deposits to total assets | 87.9465% | 1,770 |
| Equity capital to assets | 5.4242% | 8,078 |
| Core capital (leverage) ratio | 3.0214% | 8,206 |
| Tier 1 risk-based capital ratio | 3.3881% | 8,212 |
| Total risk-based capital ratio | 4.6665% | 8,211 |
| Memoranda: | ||
| Average total assets | $168,125,000 | 3,687 |
| Average earning assets | $136,895,500 | 4,017 |
| Average equity | $11,265,500 | 5,036 |
| Average total loans | $100,107,500 | 4,023 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2883% | 4,030 |
| Cost of funding earning assets | 1.7829% | 7,049 |
| Net interest margin | 4.5054% | 1,404 |
| Noninterest income to average assets | 1.6591% | 502 |
| Noninterest expense to average assets | 3.5034% | 2,386 |
| Loan and lease loss provision to assets | 2.4911% | 420 |
| Net operating income to assets | -0.3454% | 6,767 |
| Return on assets (ROA) | -1.4789% | 7,402 |
| Pretax return on assets | -2.0991% | 7,468 |
| Return on Equity (ROE) | -17.3631% | 7,680 |
| Retained earnings to average equity (ytd only) | -17.3631% | 7,587 |
| Net charge-offs to loans | 0.1303% | 4,930 |
| Credit loss provision to net charge-offs | 3,536.2319% | 143 |
| Earnings coverage of net charge-offs (x) | 28.5507% | 1,212 |
| Efficiency ratio | 61.9735% | 5,955 |
| Assets per employee ($millions) | 2.2276% | 7,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2798% | 85 |
| Loan loss allowance to noncurrent loans | 61.4551% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 9.1426% | 211 |
| Noncurrent loans to loans | 8.5912% | 299 |
| Net loans and leases to total assets | 56.3646% | 6,390 |
| Net loans and leases to deposits | 64.6412% | 6,741 |
| Net loans and leases to core deposits | 72.9936% | 7,023 |
| Total domestic deposits to total assets | 87.1961% | 1,841 |
| Equity capital to assets | 7.9265% | 6,932 |
| Core capital (leverage) ratio | 6.8588% | 7,792 |
| Tier 1 risk-based capital ratio | 11.0168% | 5,713 |
| Total risk-based capital ratio | 12.3081% | 5,563 |
| Memoranda: | ||
| Average total assets | $195,893,800 | 3,191 |
| Average earning assets | $167,644,000 | 3,365 |
| Average equity | $16,684,800 | 3,790 |
| Average total loans | $105,906,800 | 3,798 |