Home > The First National Bank of Fairfield > Performance and Condition Ratios
The First National Bank of Fairfield, Performance and Condition Ratios
| 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 | 5.8105% | 2,614 |
| Cost of funding earning assets | 1.9796% | 3,058 |
| Net interest margin | 3.8309% | 3,574 |
| Noninterest income to average assets | 0.5929% | 3,680 |
| Noninterest expense to average assets | 2.3106% | 6,719 |
| Loan and lease loss provision to assets | 0.0887% | 6,727 |
| Net operating income to assets | 1.1985% | 1,246 |
| Return on assets (ROA) | 1.4196% | 872 |
| Pretax return on assets | 1.8984% | 514 |
| Return on Equity (ROE) | 8.3189% | 2,258 |
| Retained earnings to average equity (ytd only) | 8.3189% | 622 |
| Net charge-offs to loans | 0.1146% | 6,018 |
| Credit loss provision to net charge-offs | 145.4545% | 3,265 |
| Earnings coverage of net charge-offs (x) | 27.7636% | 821 |
| Efficiency ratio | 57.7243% | 6,804 |
| Assets per employee ($millions) | 3.7216% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1436% | 1,746 |
| Loan loss allowance to noncurrent loans | 705.1948% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 6,678 |
| Noncurrent loans to loans | 0.3040% | 6,670 |
| Net loans and leases to total assets | 53.2840% | 6,270 |
| Net loans and leases to deposits | 66.9015% | 5,958 |
| Net loans and leases to core deposits | 95.5829% | 4,504 |
| Total domestic deposits to total assets | 79.6455% | 5,794 |
| Equity capital to assets | 17.1312% | 540 |
| Core capital (leverage) ratio | 17.2868% | 458 |
| Tier 1 risk-based capital ratio | 25.6635% | 788 |
| Total risk-based capital ratio | 26.9193% | 778 |
| Memoranda: | ||
| Average total assets | $90,234,400 | 5,383 |
| Average earning assets | $80,320,200 | 5,449 |
| Average equity | $15,398,600 | 3,993 |
| Average total loans | $47,978,000 | 5,758 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8425% | 2,694 |
| Cost of funding earning assets | 2.0179% | 3,261 |
| Net interest margin | 3.8246% | 3,556 |
| Noninterest income to average assets | 0.5897% | 3,783 |
| Noninterest expense to average assets | 2.3767% | 6,486 |
| Loan and lease loss provision to assets | 0.0938% | 6,426 |
| Net operating income to assets | 1.1541% | 1,577 |
| Return on assets (ROA) | 1.4490% | 980 |
| Pretax return on assets | 1.9359% | 611 |
| Return on Equity (ROE) | 8.4994% | 2,448 |
| Retained earnings to average equity (ytd only) | 8.4994% | 975 |
| Net charge-offs to loans | -0.0366% | 7,827 |
| Credit loss provision to net charge-offs | -484.6154% | 7,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2208% | 6,528 |
| Assets per employee ($millions) | 3.5225% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2646% | 1,335 |
| Loan loss allowance to noncurrent loans | 22,740.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 7,106 |
| Noncurrent loans to loans | 0.0100% | 7,506 |
| Net loans and leases to total assets | 55.7221% | 6,175 |
| Net loans and leases to deposits | 68.8402% | 6,048 |
| Net loans and leases to core deposits | 100.8260% | 4,280 |
| Total domestic deposits to total assets | 80.9441% | 5,102 |
| Equity capital to assets | 17.8034% | 527 |
| Core capital (leverage) ratio | 17.5140% | 498 |
| Tier 1 risk-based capital ratio | 26.3020% | 800 |
| Total risk-based capital ratio | 27.5603% | 780 |
| Memoranda: | ||
| Average total assets | $89,532,750 | 5,436 |
| Average earning assets | $80,146,500 | 5,490 |
| Average equity | $15,263,500 | 4,056 |
| Average total loans | $47,307,000 | 5,837 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8007% | 3,039 |
| Cost of funding earning assets | 2.0424% | 3,560 |
| Net interest margin | 3.7583% | 3,722 |
| Noninterest income to average assets | 0.5821% | 3,819 |
| Noninterest expense to average assets | 2.3749% | 6,539 |
| Loan and lease loss provision to assets | 0.1200% | 5,921 |
| Net operating income to assets | 1.0737% | 1,860 |
| Return on assets (ROA) | 1.5018% | 890 |
| Pretax return on assets | 2.0506% | 494 |
| Return on Equity (ROE) | 8.9386% | 2,377 |
| Retained earnings to average equity (ytd only) | 8.9386% | 958 |
| Net charge-offs to loans | -0.0388% | 7,813 |
| Credit loss provision to net charge-offs | -600.0000% | 7,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9888% | 6,557 |
| Assets per employee ($millions) | 3.6645% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4229% | 966 |
| Loan loss allowance to noncurrent loans | 3,305.8824% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 7,031 |
| Noncurrent loans to loans | 0.0733% | 7,341 |
| Net loans and leases to total assets | 49.4106% | 6,923 |
| Net loans and leases to deposits | 60.2342% | 6,870 |
| Net loans and leases to core deposits | 88.9784% | 5,634 |
| Total domestic deposits to total assets | 82.0307% | 4,685 |
| Equity capital to assets | 16.6594% | 718 |
| Core capital (leverage) ratio | 16.7702% | 644 |
| Tier 1 risk-based capital ratio | 26.7523% | 796 |
| Total risk-based capital ratio | 28.0115% | 774 |
| Memoranda: | ||
| Average total assets | $90,023,000 | 5,456 |
| Average earning assets | $80,887,000 | 5,501 |
| Average equity | $15,125,330 | 4,096 |
| Average total loans | $46,340,330 | 5,919 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9762% | 2,457 |
| Cost of funding earning assets | 2.0899% | 3,694 |
| Net interest margin | 3.8863% | 3,101 |
| Noninterest income to average assets | 0.5738% | 3,733 |
| Noninterest expense to average assets | 2.2011% | 6,866 |
| Loan and lease loss provision to assets | 0.0583% | 6,231 |
| Net operating income to assets | 1.8290% | 501 |
| Return on assets (ROA) | 1.8425% | 542 |
| Pretax return on assets | 1.8290% | 925 |
| Return on Equity (ROE) | 10.9185% | 1,992 |
| Retained earnings to average equity (ytd only) | 10.9185% | 991 |
| Net charge-offs to loans | -0.1382% | 7,955 |
| Credit loss provision to net charge-offs | -81.2500% | 6,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0154% | 7,218 |
| Assets per employee ($millions) | 3.5489% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4425% | 812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 7,064 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 49.0713% | 6,941 |
| Net loans and leases to deposits | 60.6500% | 6,839 |
| Net loans and leases to core deposits | 91.2764% | 5,428 |
| Total domestic deposits to total assets | 80.9089% | 5,009 |
| Equity capital to assets | 17.2122% | 701 |
| Core capital (leverage) ratio | 16.8040% | 678 |
| Tier 1 risk-based capital ratio | 27.1051% | 813 |
| Total risk-based capital ratio | 28.3637% | 794 |
| Memoranda: | ||
| Average total assets | $89,228,500 | 5,513 |
| Average earning assets | $80,385,500 | 5,539 |
| Average equity | $15,057,000 | 4,131 |
| Average total loans | $46,315,500 | 5,945 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3822% | 3,513 |
| Cost of funding earning assets | 2.6453% | 3,457 |
| Net interest margin | 3.7368% | 4,298 |
| Noninterest income to average assets | 0.7347% | 2,874 |
| Noninterest expense to average assets | 2.1433% | 7,129 |
| Loan and lease loss provision to assets | 0.3032% | 3,947 |
| Net operating income to assets | 1.2364% | 1,661 |
| Return on assets (ROA) | 1.2380% | 1,604 |
| Pretax return on assets | 1.6988% | 1,148 |
| Return on Equity (ROE) | 8.0891% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.3789% | 1,026 |
| Net charge-offs to loans | 0.1805% | 4,385 |
| Credit loss provision to net charge-offs | 332.1429% | 1,367 |
| Earnings coverage of net charge-offs (x) | 21.9048% | 1,507 |
| Efficiency ratio | 51.7314% | 7,520 |
| Assets per employee ($millions) | 3.5894% | 4,442 |
| Cash dividends to net income (ytd only)* | 8.7796% | 4,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2102% | 936 |
| Loan loss allowance to noncurrent loans | 3,315.6250% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 6,774 |
| Noncurrent loans to loans | 0.0667% | 7,239 |
| Net loans and leases to total assets | 52.3129% | 6,818 |
| Net loans and leases to deposits | 64.0100% | 6,793 |
| Net loans and leases to core deposits | 96.7837% | 5,173 |
| Total domestic deposits to total assets | 81.7262% | 4,307 |
| Equity capital to assets | 16.5409% | 833 |
| Core capital (leverage) ratio | 16.2572% | 788 |
| Tier 1 risk-based capital ratio | 25.0288% | 984 |
| Total risk-based capital ratio | 26.2857% | 968 |
| Memoranda: | ||
| Average total assets | $92,006,800 | 5,291 |
| Average earning assets | $83,921,400 | 5,305 |
| Average equity | $14,080,600 | 4,322 |
| Average total loans | $46,533,800 | 5,851 |