Home > The First National Bank of Davis > Performance and Condition Ratios
The First National Bank of Davis, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5528% | 2,073 |
| Cost of funding earning assets | 1.2072% | 4,515 |
| Net interest margin | 4.3456% | 1,660 |
| Noninterest income to average assets | 0.7801% | 2,377 |
| Noninterest expense to average assets | 2.9492% | 4,038 |
| Loan and lease loss provision to assets | 0.7394% | 2,218 |
| Net operating income to assets | 1.1205% | 1,638 |
| Return on assets (ROA) | 1.4189% | 979 |
| Pretax return on assets | 1.4189% | 1,602 |
| Return on Equity (ROE) | 16.0534% | 577 |
| Retained earnings to average equity (ytd only) | 7.6606% | 1,097 |
| Net charge-offs to loans | 1.1382% | 1,961 |
| Credit loss provision to net charge-offs | 106.0137% | 4,223 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 3,759 |
| Efficiency ratio | 61.3257% | 5,842 |
| Assets per employee ($millions) | 3.6073% | 4,685 |
| Cash dividends to net income (ytd only)* | 52.2804% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7022% | 3,210 |
| Loan loss allowance to noncurrent loans | 101.4300% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 2.3652% | 2,905 |
| Noncurrent loans to loans | 1.6782% | 3,980 |
| Net loans and leases to total assets | 63.5863% | 3,954 |
| Net loans and leases to deposits | 83.9209% | 2,462 |
| Net loans and leases to core deposits | 217.9469% | 69 |
| Total domestic deposits to total assets | 75.7693% | 6,660 |
| Equity capital to assets | 8.1002% | 6,384 |
| Core capital (leverage) ratio | 8.0966% | 6,023 |
| Tier 1 risk-based capital ratio | 12.6102% | 4,926 |
| Total risk-based capital ratio | 13.8659% | 4,903 |
| Memoranda: | ||
| Average total assets | $83,447,400 | 5,488 |
| Average earning assets | $77,366,400 | 5,436 |
| Average equity | $7,375,400 | 5,914 |
| Average total loans | $51,133,800 | 5,438 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6503% | 1,883 |
| Cost of funding earning assets | 1.2582% | 4,507 |
| Net interest margin | 4.3921% | 1,548 |
| Noninterest income to average assets | 0.8496% | 2,000 |
| Noninterest expense to average assets | 2.8765% | 4,174 |
| Loan and lease loss provision to assets | 0.8594% | 1,770 |
| Net operating income to assets | 1.1725% | 1,666 |
| Return on assets (ROA) | 1.5459% | 915 |
| Pretax return on assets | 1.5459% | 1,482 |
| Return on Equity (ROE) | 17.0968% | 576 |
| Retained earnings to average equity (ytd only) | 6.6548% | 2,014 |
| Net charge-offs to loans | 1.3108% | 1,556 |
| Credit loss provision to net charge-offs | 108.6598% | 3,920 |
| Earnings coverage of net charge-offs (x) | 2.5691% | 3,869 |
| Efficiency ratio | 58.6047% | 6,175 |
| Assets per employee ($millions) | 3.4646% | 5,068 |
| Cash dividends to net income (ytd only)* | 61.0758% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9119% | 2,443 |
| Loan loss allowance to noncurrent loans | 126.1034% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 2.2709% | 3,118 |
| Noncurrent loans to loans | 1.5161% | 4,363 |
| Net loans and leases to total assets | 59.2327% | 5,058 |
| Net loans and leases to deposits | 79.9330% | 3,464 |
| Net loans and leases to core deposits | 195.0612% | 92 |
| Total domestic deposits to total assets | 74.1029% | 6,910 |
| Equity capital to assets | 9.2038% | 5,304 |
| Core capital (leverage) ratio | 8.0518% | 6,274 |
| Tier 1 risk-based capital ratio | 12.9860% | 4,589 |
| Total risk-based capital ratio | 14.2446% | 4,556 |
| Memoranda: | ||
| Average total assets | $81,763,500 | 5,610 |
| Average earning assets | $75,557,250 | 5,558 |
| Average equity | $7,393,000 | 5,990 |
| Average total loans | $49,333,000 | 5,592 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6129% | 2,087 |
| Cost of funding earning assets | 1.3283% | 4,355 |
| Net interest margin | 4.2846% | 1,839 |
| Noninterest income to average assets | 1.0256% | 1,295 |
| Noninterest expense to average assets | 2.8149% | 4,423 |
| Loan and lease loss provision to assets | 1.0656% | 1,357 |
| Net operating income to assets | 1.1055% | 1,840 |
| Return on assets (ROA) | 1.5048% | 971 |
| Pretax return on assets | 1.5048% | 1,550 |
| Return on Equity (ROE) | 16.7500% | 602 |
| Retained earnings to average equity (ytd only) | 8.4722% | 1,276 |
| Net charge-offs to loans | 1.2660% | 1,507 |
| Credit loss provision to net charge-offs | 139.5425% | 2,874 |
| Earnings coverage of net charge-offs (x) | 2.8431% | 3,563 |
| Efficiency ratio | 56.4565% | 6,579 |
| Assets per employee ($millions) | 3.5341% | 4,832 |
| Cash dividends to net income (ytd only)* | 49.4196% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1120% | 1,945 |
| Loan loss allowance to noncurrent loans | 128.4524% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 2.3874% | 3,017 |
| Noncurrent loans to loans | 1.6442% | 4,242 |
| Net loans and leases to total assets | 58.9597% | 5,256 |
| Net loans and leases to deposits | 80.6662% | 3,490 |
| Net loans and leases to core deposits | 187.5525% | 109 |
| Total domestic deposits to total assets | 73.0909% | 7,088 |
| Equity capital to assets | 9.0168% | 5,419 |
| Core capital (leverage) ratio | 8.2726% | 5,821 |
| Tier 1 risk-based capital ratio | 13.0980% | 4,362 |
| Total risk-based capital ratio | 14.3583% | 4,310 |
| Memoranda: | ||
| Average total assets | $80,146,000 | 5,696 |
| Average earning assets | $74,079,000 | 5,637 |
| Average equity | $7,200,000 | 6,070 |
| Average total loans | $48,342,330 | 5,674 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5597% | 2,326 |
| Cost of funding earning assets | 1.3719% | 4,346 |
| Net interest margin | 4.1878% | 2,089 |
| Noninterest income to average assets | 0.7197% | 2,468 |
| Noninterest expense to average assets | 2.7863% | 4,534 |
| Loan and lease loss provision to assets | 1.1104% | 1,104 |
| Net operating income to assets | 0.6991% | 3,445 |
| Return on assets (ROA) | 1.4703% | 1,011 |
| Pretax return on assets | 1.4703% | 1,595 |
| Return on Equity (ROE) | 16.3991% | 671 |
| Retained earnings to average equity (ytd only) | 1.6055% | 5,140 |
| Net charge-offs to loans | 1.3626% | 1,262 |
| Credit loss provision to net charge-offs | 135.0000% | 2,616 |
| Earnings coverage of net charge-offs (x) | 2.2000% | 3,438 |
| Efficiency ratio | 60.6264% | 6,069 |
| Assets per employee ($millions) | 3.2338% | 5,688 |
| Cash dividends to net income (ytd only)* | 90.2098% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1490% | 1,855 |
| Loan loss allowance to noncurrent loans | 46.3014% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 4.1895% | 1,626 |
| Noncurrent loans to loans | 4.6413% | 1,595 |
| Net loans and leases to total assets | 57.1105% | 5,586 |
| Net loans and leases to deposits | 77.4668% | 4,138 |
| Net loans and leases to core deposits | 178.3628% | 132 |
| Total domestic deposits to total assets | 73.7226% | 7,082 |
| Equity capital to assets | 8.5089% | 5,989 |
| Core capital (leverage) ratio | 8.6111% | 5,189 |
| Tier 1 risk-based capital ratio | 13.7585% | 3,829 |
| Total risk-based capital ratio | 15.0192% | 3,771 |
| Memoranda: | ||
| Average total assets | $77,809,500 | 5,828 |
| Average earning assets | $72,018,500 | 5,776 |
| Average equity | $6,976,000 | 6,198 |
| Average total loans | $46,969,500 | 5,803 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2349% | 1,154 |
| Cost of funding earning assets | 1.6931% | 4,550 |
| Net interest margin | 4.5417% | 1,094 |
| Noninterest income to average assets | 0.5415% | 4,100 |
| Noninterest expense to average assets | 2.6346% | 5,653 |
| Loan and lease loss provision to assets | 1.4003% | 1,639 |
| Net operating income to assets | 0.7220% | 2,847 |
| Return on assets (ROA) | 0.8335% | 2,489 |
| Pretax return on assets | 0.8335% | 3,135 |
| Return on Equity (ROE) | 8.5428% | 2,179 |
| Retained earnings to average equity (ytd only) | 2.3806% | 3,455 |
| Net charge-offs to loans | 1.4635% | 1,716 |
| Credit loss provision to net charge-offs | 162.5578% | 2,707 |
| Earnings coverage of net charge-offs (x) | 2.4638% | 3,888 |
| Efficiency ratio | 55.3850% | 7,085 |
| Assets per employee ($millions) | 3.1156% | 5,953 |
| Cash dividends to net income (ytd only)* | 72.1338% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0490% | 1,918 |
| Loan loss allowance to noncurrent loans | 61.8065% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 3.6390% | 1,828 |
| Noncurrent loans to loans | 3.3152% | 2,304 |
| Net loans and leases to total assets | 61.2459% | 5,152 |
| Net loans and leases to deposits | 88.3342% | 2,502 |
| Net loans and leases to core deposits | 151.7077% | 471 |
| Total domestic deposits to total assets | 69.3343% | 7,471 |
| Equity capital to assets | 9.4592% | 4,478 |
| Core capital (leverage) ratio | 8.8465% | 4,693 |
| Tier 1 risk-based capital ratio | 14.7650% | 3,066 |
| Total risk-based capital ratio | 16.0270% | 3,012 |
| Memoranda: | ||
| Average total assets | $75,343,200 | 5,859 |
| Average earning assets | $69,929,000 | 5,812 |
| Average equity | $7,351,200 | 6,153 |
| Average total loans | $44,344,800 | 5,912 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0831% | 1,712 |
| Cost of funding earning assets | 1.7573% | 4,604 |
| Net interest margin | 4.3258% | 1,659 |
| Noninterest income to average assets | 0.4822% | 4,648 |
| Noninterest expense to average assets | 2.5753% | 5,803 |
| Loan and lease loss provision to assets | 0.9450% | 2,035 |
| Net operating income to assets | 0.9838% | 2,113 |
| Return on assets (ROA) | 1.0527% | 1,952 |
| Pretax return on assets | 1.0527% | 2,727 |
| Return on Equity (ROE) | 10.7085% | 1,706 |
| Retained earnings to average equity (ytd only) | 2.5693% | 3,880 |
| Net charge-offs to loans | 0.7346% | 2,525 |
| Credit loss provision to net charge-offs | 221.9917% | 1,969 |
| Earnings coverage of net charge-offs (x) | 4.5310% | 3,104 |
| Efficiency ratio | 57.1765% | 6,848 |
| Assets per employee ($millions) | 3.2871% | 5,436 |
| Cash dividends to net income (ytd only)* | 76.0058% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8500% | 2,152 |
| Loan loss allowance to noncurrent loans | 49.9410% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 4.0038% | 1,598 |
| Noncurrent loans to loans | 3.7044% | 2,011 |
| Net loans and leases to total assets | 59.3659% | 5,683 |
| Net loans and leases to deposits | 85.9465% | 3,326 |
| Net loans and leases to core deposits | 136.4723% | 1,077 |
| Total domestic deposits to total assets | 69.0731% | 7,491 |
| Equity capital to assets | 9.6820% | 4,521 |
| Core capital (leverage) ratio | 8.4661% | 5,550 |
| Tier 1 risk-based capital ratio | 14.8779% | 3,103 |
| Total risk-based capital ratio | 16.1353% | 3,035 |
| Memoranda: | ||
| Average total assets | $75,485,500 | 5,891 |
| Average earning assets | $70,181,500 | 5,838 |
| Average equity | $7,420,750 | 6,179 |
| Average total loans | $43,742,500 | 5,984 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1414% | 1,645 |
| Cost of funding earning assets | 1.8256% | 4,631 |
| Net interest margin | 4.3158% | 1,609 |
| Noninterest income to average assets | 0.3817% | 5,450 |
| Noninterest expense to average assets | 2.6509% | 5,556 |
| Loan and lease loss provision to assets | 0.4772% | 3,139 |
| Net operating income to assets | 1.2645% | 1,318 |
| Return on assets (ROA) | 1.2857% | 1,350 |
| Pretax return on assets | 1.2857% | 2,065 |
| Return on Equity (ROE) | 13.0126% | 1,178 |
| Retained earnings to average equity (ytd only) | 1.9318% | 4,265 |
| Net charge-offs to loans | 0.0928% | 5,254 |
| Credit loss provision to net charge-offs | 900.0000% | 532 |
| Earnings coverage of net charge-offs (x) | 32.8500% | 937 |
| Efficiency ratio | 60.3500% | 6,488 |
| Assets per employee ($millions) | 3.0979% | 5,875 |
| Cash dividends to net income (ytd only)* | 85.1546% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5813% | 2,822 |
| Loan loss allowance to noncurrent loans | 42.2051% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 3.8994% | 1,542 |
| Noncurrent loans to loans | 3.7468% | 1,848 |
| Net loans and leases to total assets | 57.2172% | 6,066 |
| Net loans and leases to deposits | 79.6209% | 4,596 |
| Net loans and leases to core deposits | 129.9806% | 1,563 |
| Total domestic deposits to total assets | 71.8620% | 7,255 |
| Equity capital to assets | 9.4929% | 4,617 |
| Core capital (leverage) ratio | 8.3369% | 5,731 |
| Tier 1 risk-based capital ratio | 14.6924% | 3,148 |
| Total risk-based capital ratio | 15.9478% | 3,085 |
| Memoranda: | ||
| Average total assets | $75,446,000 | 5,935 |
| Average earning assets | $70,114,330 | 5,880 |
| Average equity | $7,454,330 | 6,200 |
| Average total loans | $43,080,330 | 6,062 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2067% | 1,578 |
| Cost of funding earning assets | 2.0264% | 4,002 |
| Net interest margin | 4.1802% | 1,974 |
| Noninterest income to average assets | 0.3654% | 5,513 |
| Noninterest expense to average assets | 2.5576% | 5,618 |
| Loan and lease loss provision to assets | 0.4836% | 2,543 |
| Net operating income to assets | 1.2036% | 1,644 |
| Return on assets (ROA) | 1.2036% | 1,757 |
| Pretax return on assets | 1.2036% | 2,619 |
| Return on Equity (ROE) | 11.9379% | 1,679 |
| Retained earnings to average equity (ytd only) | 5.2761% | 2,973 |
| Net charge-offs to loans | 0.1235% | 3,988 |
| Credit loss provision to net charge-offs | 692.3077% | 854 |
| Earnings coverage of net charge-offs (x) | 24.1538% | 1,249 |
| Efficiency ratio | 60.2532% | 6,365 |
| Assets per employee ($millions) | 3.1826% | 5,640 |
| Cash dividends to net income (ytd only)* | 55.8036% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 3,256 |
| Loan loss allowance to noncurrent loans | 31.1540% | 6,471 |
| Noncurrent assets plus other real estate owned to assets | 4.3884% | 1,113 |
| Noncurrent loans to loans | 4.6401% | 1,214 |
| Net loans and leases to total assets | 56.1421% | 6,221 |
| Net loans and leases to deposits | 78.6757% | 4,818 |
| Net loans and leases to core deposits | 131.6884% | 1,558 |
| Total domestic deposits to total assets | 71.3588% | 7,296 |
| Equity capital to assets | 9.7784% | 4,263 |
| Core capital (leverage) ratio | 8.5488% | 5,433 |
| Tier 1 risk-based capital ratio | 15.1878% | 2,975 |
| Total risk-based capital ratio | 16.4404% | 2,933 |
| Memoranda: | ||
| Average total assets | $74,445,500 | 5,988 |
| Average earning assets | $69,087,000 | 5,946 |
| Average equity | $7,505,500 | 6,216 |
| Average total loans | $42,108,000 | 6,136 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8257% | 1,598 |
| Cost of funding earning assets | 2.9094% | 2,225 |
| Net interest margin | 3.9163% | 3,492 |
| Noninterest income to average assets | 0.3968% | 5,497 |
| Noninterest expense to average assets | 2.3583% | 6,539 |
| Loan and lease loss provision to assets | 0.5638% | 2,562 |
| Net operating income to assets | 1.1402% | 1,982 |
| Return on assets (ROA) | 1.3003% | 1,432 |
| Pretax return on assets | 1.3003% | 2,307 |
| Return on Equity (ROE) | 13.8448% | 1,136 |
| Retained earnings to average equity (ytd only) | 8.4788% | 711 |
| Net charge-offs to loans | 1.2865% | 929 |
| Credit loss provision to net charge-offs | 79.7244% | 5,908 |
| Earnings coverage of net charge-offs (x) | 2.4094% | 4,872 |
| Efficiency ratio | 58.0535% | 6,686 |
| Assets per employee ($millions) | 3.0212% | 6,012 |
| Cash dividends to net income (ytd only)* | 38.7580% | 3,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 3,444 |
| Loan loss allowance to noncurrent loans | 35.7977% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 3.9651% | 1,046 |
| Noncurrent loans to loans | 3.7883% | 1,315 |
| Net loans and leases to total assets | 55.3760% | 6,507 |
| Net loans and leases to deposits | 83.2166% | 4,542 |
| Net loans and leases to core deposits | 140.3131% | 1,247 |
| Total domestic deposits to total assets | 66.5444% | 7,616 |
| Equity capital to assets | 10.4016% | 3,607 |
| Core capital (leverage) ratio | 8.9399% | 4,832 |
| Tier 1 risk-based capital ratio | 15.6155% | 2,810 |
| Total risk-based capital ratio | 16.8671% | 2,733 |
| Memoranda: | ||
| Average total assets | $71,832,200 | 5,972 |
| Average earning assets | $67,231,000 | 5,921 |
| Average equity | $6,746,200 | 6,551 |
| Average total loans | $39,486,200 | 6,194 |